Barret Blog



Muni Madness: A lot of variables affect tax-free performance

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Muni Madness: A lot of variables affect tax-free performance
“Now that interest rates have finally risen…” is a phrase I wrote in jest, a mere six months ago, in this very column. I can now use these words in sincerity. And your collection of investments is potentially the better for it. We have contended that while the discussion of ...
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Push and Pull: Two-sided SBA market doubles your chance for success

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Push and Pull: Two-sided SBA market doubles your chance for success
Rufus Thomas, the late R&B impresario whose hit list included “The Funky Chicken” and “Walking the Dog,” was not known to be a market maker of Small Business Administration (SBA) 7(a) loans. It’s ironic, then, that he was talking about the two-sided benefits of both lending and investing in these ...
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Questions and Answers

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Questions and Answers
What do you look for in a credit analyst? What is top of mind when hiring staff into these positions? Most of the time, we start with number-crunching skills. We welcome a knowledge of accounting, and we think in terms of answering the basic questions of financial statement and cash ...
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Barret Grads in the News!

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A few recent Barret Grads in the news...thought we'd share. Marka Shaffer, featured in... 2016-06-22– David Douse, featured in... Read article June 26, 2016– Allen Waddell and Rhonda Owens, featured in... Read article June 25, 2016– Louis Marascalco and Justin Griffin, featured in... Louis Marascalco has been promoted to Senior ...
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Employers can find ways to turn negative feedback to positive outcomes

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Employers can find ways to turn negative feedback to positive outcomes
Most employers consider feedback from employees necessary, but those employers might wonder if that feedback has to feel so much like a necessary evil. When the feedback employees have to offer is negative, it can be tough for employers to stomach. But more and more employers are realizing that even ...
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Rules, Rules and More Rules – Throw Them All Out!

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Rules, Rules and More Rules – Throw Them All Out!
Too many companies these days focus too much on procedures, minimum standards and compliance.  I’m not saying those things are not important, but over time they continue to grow and become a monster in and of themselves. Most standards, rules and procedures are built based on one concept – dealing ...
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An Outside Director’s Guide to Preparing for an Examination

An Outside Director’s Guide to Preparing for an Examination
Every FDIC-insured bank is subject to a periodic examination that is of significant importance to the bank and its business activities. If the examination goes well, the bank generally will be free to pursue those business activities it determines to be appropriate. If the results of the examination are less ...
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The Outside Directors’ Duties During an Examination Exit Meeting and Following

The Outside Directors’ Duties During an Examination Exit Meeting and Following
The examination exit meeting, which is the examination team’s opportunity to present the preliminary results of the examination to the bank’s directors and executive officers, is an important part of the examination process. This is particularly true when the results of the examination are less than stellar. It is not ...
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Regulatory Expectations for Community Bank Directors

Regulatory Expectations for Community Bank Directors
“They don’t really expect me to know that, do they?” This is almost always the first question asked by at least one (generally more) outside director when a regulatory or compliance concern comes to light. The good news is that regulators recognize community bank directors cannot be expected to know ...
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The Directors’ Duties During an Examination

The Directors’ Duties During an Examination
Many community bank directors believe they are not involved in the onsite regulatory examination process. This notion is incorrect. Each and every one of the bank’s directors, including outside directors, are closely examined and evaluated throughout the regulatory examination process, even if they are not present during the onsite examination ...
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