Western Independent Banker - July/August 2008 - (Page 23)

my core processor me. Being a DCI client is different than the CI usual core processing experience. From n the user group to the board room, DCI d customers play an importan role in ant our ownership and the development of r he e our leading-edge iCore® technologies. h Just ask C. G. Kum, president & CEO e of First California Bank ($1.2 billion), 1 and DCI client since 2004. Part of I C. G.’s vision for growth and n competitive advantage is being closely attached to the progre of his o ress i technology. So First California Bank e n did more than join our regular iCore n u ga user group. They also became a new DCI shareholder. A DCI, we w y emem At DCI, we always remember who we CI em w wor or. Yo work for. You don’t have to be a or o o n’t av ’ shareholder to be a client, but hare ha h ld h rehold o be client, but lient, l ent becaus because we are privately owned by e us u e private vat at w ed by ed banks, o banks, you can be sure we focus on ks, n sure sur we focu ocus u w t’s best what’s best for you and your needs as s t you d u eed as ee a banker, not the stock ma ket or an a er anker, no he sto k marke or to ma k empire of corpo t cquis ti ns empire of corporate acquisitions. m ire rporat s si Ji Join C. G. and hundreds of successful G. hu dreds u un successful s banke bankers nationwide who enjoy ker ker at wide wh enjo e o today’s most advanced technology, od oda ’ o dvan d te h ance echn ogy, y backed by backed by 45 years of personal c ed y ars of p rsona rs person relationships, dedicate to helping el i nships dedicated to he ping ns d cat p you manage your bank, your way. manag ou b nk y g u n way Co tac Contact us today and discover a more o ta ac da nd i over a v ore r reward ng bank g ex rien , re arding banking experience, ew r exp i focuse focused on your success. ocus cu your success. ur ur success ce — C. G. Kum President & CEO, First California Bank celebrating 45 years a more rewarding experience, focused on your success featuring: • 620.694.6800 • datacenterinc.com http://www.datacenterinc.com

Table of Contents Feed for the Digital Edition of Western Independent Banker - July/August 2008

Western Independent Banker - July/August 2008 Contents A Message from the President & CEO Getting Creative and Competitive with Leaders' Incentive Compensation Financial Covenants - What Good Are They Really? Homes Within Reach Revisiting Credit Quality and Risk Management Loan Yield Shock Wave - What Can You Do? What Lending Crisis? - Community Banks Flex with Lending Strength How to Fine-Tune ALLL During Uncertain Times Productivity, Technology and Export Growth Trump Housing's Fall in the Long Run - The Economy According to Brian Wesbury Distressed Real Estate Loans and Their Property Tax "Kicker" WIB Calendar Welcome New Members Index to Advertisers advertiser.com

Western Independent Banker - July/August 2008

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