Monthly Archives: March 2018

Lesson learned…the hard way

Recently, I read an article about the Ohio State Buckeye football team and how several of the players had been asked at the NFL Combine to recount their experience of the 55-24 loss at Iowa during the 2017 year that kept the Buckeyes out of the College Football Playoff.  Basically, it would be the equivalent… Read more

Put Some Muscle To Your Customers’ Side Hustles

Recently, I saw a bank post on Twitter that they were running a promotion to spotlight their customers’ side hustles and it got me to thinking… a) What a great idea for a community bank to do! b) Just how important are these in our communities. If a bank is supposed to be a catalyst… Read more

Universal Banker…it’s easier than you think

I love the efficiency ratio in banking. Sadly, this is not the geekiest thing I have ever written, but it is nonetheless true. In my humble opinion, it is the most informative ratio in all of finance with the possible exception of RoE in a DuPont context. (Now, THAT may be the geekiest.) What it… Read more

Changing Demographics and the Impact to CRA (and Fair Lending)

We all know that the Community Reinvestment Act of 1977 (CRA) requires banks to meet the credit needs of the communities in which it operates. Other than the substantive changes in 1995 and 2005 and the public release of interagency CRA Questions & Answers, CRA has largely remained stable. But there is something brewing under… Read more