Western Independent Banker - July/August 2008 - (Page 4) Contents July/August 2008 inform. educate. connect. Banker Published for: Western Independent Bankers 601 Montgomery Street, Suite 1200 San Francisco, CA 94111 Phone: (415) 352-2323 Fax: (415) 352-2314 info@wib.org www.wib.org Editor in Chief Nancy P. Jennings Published by: Western Independent Western Independent Banker is the official publication of Western Independent Bankers. 8 A Message from the President & CEO Getting Creative and Competitive with Lenders’ 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 22 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 10 24 Naylor, LLC 5950 NW 1st Place Gainesville, FL 32607 Tel: (800) 369-6220 or (352) 332-1252 Fax: (352) 331-3525 www.naylor.com Publisher: Catherine Upton Project Manager: Tracy Tompkins Editor: Dale Kuska Marketing Associate: Heather McCole Publication Director: Jim Dielschneider Advertising Representatives: Josh Alexander, Scott Marsh, Patricia Nolin, Doug Pratt Layout and Pagination: Brenda Nowosad Advertising Art: Effie Monson PUBLISHED JUNE 2008 WIB-S0408/7327 The contents of Western Independent Banker are, and remain, the property of Western Independent Bankers. ©2008, Western Independent Bankers. All rights reserved. The contents of this publication may not be reproduced by any means, in whole or in part, without the prior written consent of the publisher. Western Independent Banker is published bimonthly. For information on contributing articles to Western Independent Banker, please contact Editor in Chief, Nancy Jennings, nancyj@ wib.org. To advertise, contact Tracy Tompkins, ttompkins@naylor.com. 12 14 16 26 29 34 34 34 18 20 4 www.wib.org Western Independent Banker http://www.wib.org http://www.naylor.com http://www.naylor.com http://www.wib.org http://www.wib.org
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 Western Independent Banker - July/August 2008 - Western Independent Banker - July/August 2008 (Page Cover1) Western Independent Banker - July/August 2008 - Western Independent Banker - July/August 2008 (Page Cover2) Western Independent Banker - July/August 2008 - Western Independent Banker - July/August 2008 (Page 3) Western Independent Banker - July/August 2008 - Contents (Page 4) Western Independent Banker - July/August 2008 - Contents (Page 5) Western Independent Banker - July/August 2008 - Contents (Page 6) Western Independent Banker - July/August 2008 - Contents (Page 7) Western Independent Banker - July/August 2008 - A Message from the President & CEO (Page 8) Western Independent Banker - July/August 2008 - A Message from the President & CEO (Page 9) Western Independent Banker - July/August 2008 - Getting Creative and Competitive with Leaders' Incentive Compensation (Page 10) Western Independent Banker - July/August 2008 - Getting Creative and Competitive with Leaders' Incentive Compensation (Page 11) Western Independent Banker - July/August 2008 - Financial Covenants - What Good Are They Really? (Page 12) Western Independent Banker - July/August 2008 - Financial Covenants - What Good Are They Really? (Page 13) Western Independent Banker - July/August 2008 - Homes Within Reach (Page 14) Western Independent Banker - July/August 2008 - Homes Within Reach (Page 15) Western Independent Banker - July/August 2008 - Revisiting Credit Quality and Risk Management (Page 16) Western Independent Banker - July/August 2008 - Revisiting Credit Quality and Risk Management (Page 17) Western Independent Banker - July/August 2008 - Loan Yield Shock Wave - What Can You Do? (Page 18) Western Independent Banker - July/August 2008 - Loan Yield Shock Wave - What Can You Do? (Page 19) Western Independent Banker - July/August 2008 - What Lending Crisis? - Community Banks Flex with Lending Strength (Page 20) Western Independent Banker - July/August 2008 - What Lending Crisis? - Community Banks Flex with Lending Strength (Page 21) Western Independent Banker - July/August 2008 - How to Fine-Tune ALLL During Uncertain Times (Page 22) Western Independent Banker - July/August 2008 - How to Fine-Tune ALLL During Uncertain Times (Page 23) Western Independent Banker - July/August 2008 - Productivity, Technology and Export Growth Trump Housing's Fall in the Long Run - The Economy According to Brian Wesbury (Page 24) Western Independent Banker - July/August 2008 - Productivity, Technology and Export Growth Trump Housing's Fall in the Long Run - The Economy According to Brian Wesbury (Page 25) Western Independent Banker - July/August 2008 - Distressed Real Estate Loans and Their Property Tax "Kicker" (Page 26) Western Independent Banker - July/August 2008 - Distressed Real Estate Loans and Their Property Tax "Kicker" (Page 27) Western Independent Banker - July/August 2008 - Distressed Real Estate Loans and Their Property Tax "Kicker" (Page 28) Western Independent Banker - July/August 2008 - WIB Calendar (Page 29) Western Independent Banker - July/August 2008 - WIB Calendar (Page 30) Western Independent Banker - July/August 2008 - WIB Calendar (Page 31) Western Independent Banker - July/August 2008 - WIB Calendar (Page 32) Western Independent Banker - July/August 2008 - WIB Calendar (Page 33) Western Independent Banker - July/August 2008 - advertiser.com (Page 34) Western Independent Banker - July/August 2008 - advertiser.com (Page Cover3) Western Independent Banker - July/August 2008 - advertiser.com (Page Cover4)
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