Community Banking Strategies

Steady Growth, Safe Portfolio Management, and Lasting Client Relationships

Vince Boberski

• Publisher: Bloomberg Press
• Year: 2010
• Print ISBN: 9781576603697
• eBook ISBN: 9780470934784
• Edition: 1
• Topic: Economics
• Subtopic: Banks & Banking
• Index: Economics

A guide for community banks to rebuild and strengthen their business

With Wall Street reeling and big banks under pressure, community banks have an opportunity to strengthen their position in the marketplace. By reconnecting with local businesses and consumers, increasing core deposits, and carefully managing their investments and balance sheets, community banks can attract underserved clients from larger competitors.

With Community Banking Strategies, author Vincent Boberski???a financial professional who has spent years working with senior management and the boards of directors at local banks???skillfully reveals how community banks can compete against bigger institutions in the wake of the most significant financial crisis since the 1930s.

Beginning with a novel analysis of community banks and their relationship to both national and global financial competitors, he insightfully places the meltdown of the financial markets and the resulting Great Recession into a historical context. With a bold look into the future, Boberski outlines the risks and trends that will shape both the industry and the economy as a whole. He sets clear strategic goals that will allow community bank managers, directors, and investors to profit from a broad localization of American finance.

Chapter by chapter, Boberski offers practical advice on many of the most important issues in this area, including portfolio management, balance sheet management, and dealing with interest rate and credit cycles. Along the way, Boberski also offers in-depth insights on establishing and encouraging the lasting client relationships that produce the most essential piece of the banking business: core deposits, the heart of any good local bank.

Engaging and informative, Community Banking Strategies will help you:

• Become familiar with the strategies, products, and tactics that will enable community banks to create opportunities out of market dislocations and effectively manage risk
• Capture consistently profitable growth at the expense of regional and national competitors
• Transform newfound market dynamics into customer relationships that touch both sides of the balance sheet
• And much more

Written in a straightforward and accessible style, this reliable resource is a must-read for community bank executives, directors, investors, and the brokers who work with them. If you want to gain a better understanding of the strategies that consistently lead to success in this field, this book is the best place to start.

Table of contents

• Praise
• Title Page
• Copyright Page
• Dedication
• Preface
• Acknowledgments
• Chapter 1 - A New Era for Community Banking
• Chapter 2 - Historical Credit Crises and What’s Different Now
• Chapter 3 - Valuations and Lessons from the Equity Markets
• Chapter 4 - Liabilities and Capital
• Chapter 5 - Managing the Balance Sheet Through Different Interest-Rate Cycles
• Chapter 6 - Investments and the Wholesale Balance Sheet
• Chapter 7 - What Banks Should Ask of Their Brokers
• Chapter 8 - Tax Efficiency: As Important as Operational Efficiency
• Chapter 9 - Derivatives as a Way to Manage Balance Sheet, Earnings, and ...
• Afterword
• Appendix
• About the Author
• Index