The frequency and magnitude of surprises in 2009 have created a unique learning opportunity that should not be passed up. Too often, after navigating through a strategic challenge or opportunity, managements move on to the next issue without identifying the lessons learned from the most recent experiences. This need not be a complex exercise. In […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2009-11-23 10:52:132021-01-25 15:33:32Lessons Learned: Are You Passing Up A Great Opportunity?
This statement sounds eerily similar to the statement we heard from many people in 2008 about 2009. By now most have read or heard the U.S. financial highlights for 3rd Qtr 2009. Headlines touted the 3.5% annualized growth in GDP. It is important for any business to evaluate the sustainability of this “good news” and […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2009-11-18 16:02:292021-01-25 15:33:322010 has got to be better than 2009… Right?
Last week, we identified some of the many threats to earnings. With regard to non-interest income, potential changes in regulation were identified to be a major threat. Building on that, here we would like to suggest changes in consumer (i.e., member) behavior as an additional threat to non-interest income. In these trying times, consumer behavior […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2009-11-05 10:54:522021-01-25 15:33:33Consumer Behavior And Non-Interest Income
There are only five levers that are pulled to arrive at an ROA, and every single one is under threat to some degree: Yield on assets is under attack from external forces as rates are at historic lows and loan demand is down. Cost of funds has been helped somewhat by low rates. However, it […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2009-10-29 11:45:302021-01-25 15:33:332010 Budgeting Process: Focusing On What You Control
How will you factor in the potential assessments, if at all, when evaluating long-term financial performance given that the dates and sums of the assessments will be unknown until 90 days before they are due? Will you factor in the potential assessments when evaluating financial performance and making business decisions or will you view the […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2009-07-02 11:36:092021-01-25 15:33:33A Couple of Questions to Consider Concerning Implementation of the Corporate Stabilization Fund…
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Lessons Learned: Are You Passing Up A Great Opportunity?
ALM, Economy, Strategic Planning Blog PostsThe frequency and magnitude of surprises in 2009 have created a unique learning opportunity that should not be passed up. Too often, after navigating through a strategic challenge or opportunity, managements move on to the next issue without identifying the lessons learned from the most recent experiences. This need not be a complex exercise. In […]
2010 has got to be better than 2009… Right?
Economy Blog PostsThis statement sounds eerily similar to the statement we heard from many people in 2008 about 2009. By now most have read or heard the U.S. financial highlights for 3rd Qtr 2009. Headlines touted the 3.5% annualized growth in GDP. It is important for any business to evaluate the sustainability of this “good news” and […]
Consumer Behavior And Non-Interest Income
ALM Blog PostsLast week, we identified some of the many threats to earnings. With regard to non-interest income, potential changes in regulation were identified to be a major threat. Building on that, here we would like to suggest changes in consumer (i.e., member) behavior as an additional threat to non-interest income. In these trying times, consumer behavior […]
2010 Budgeting Process: Focusing On What You Control
ALM, Budgeting Blog PostsThere are only five levers that are pulled to arrive at an ROA, and every single one is under threat to some degree: Yield on assets is under attack from external forces as rates are at historic lows and loan demand is down. Cost of funds has been helped somewhat by low rates. However, it […]
A Couple of Questions to Consider Concerning Implementation of the Corporate Stabilization Fund…
ALM Blog PostsHow will you factor in the potential assessments, if at all, when evaluating long-term financial performance given that the dates and sums of the assessments will be unknown until 90 days before they are due? Will you factor in the potential assessments when evaluating financial performance and making business decisions or will you view the […]