Western Independent Banker - July/August 2008 - (Page 6) inform. educate. connect. Banker Western Independent Lawrence K. Scott President & CEO Community Bank of Nevada, NV Ralph Tapscott President & CEO Mohave State Bank, AZ Larry P. Ward President & CEO Heritage Oaks Bank, CA GENERAL COUNSEL Patricia Y. Trendacosta Frandzel Robins Bloom & Csato, L.C. CPAs Robert T. Perry-Smith Perry-Smith LLP EDITORIAL ADVISORY COMMITTEE Garry Barnes President & CEO Gateway Pacific Bank (In Org.), CA Richard T. Beard President & CEO Bank of American Fork, UT John E. Fahrendorf, Jr. President & CEO Desert Hills Bank, AZ James D. Hicken President & CEO Bank of Santa Clarita, CA David Kaiser President & CEO Granite Community Bank, N.A., CA Kimberly A. Kaselionis President & CEO Circle Bank, CA Dennis A. Long CEO The Bank of the Pacific, WA Robert T. Perry-Smith President & CEO Perry-Smith LLP, CA Lawrence K. Scott President & CEO Community Bank of Nevada, NV Wes Veach Chief Financial Officer Canyon Community Bank, NA, AZ Nancy P. Jennings, Editor-in-Chief Assistant Vice President, Communications Western Independent Bankers, CA EXECUTIVE COMMITTEE Matt C. Packard Chairman Chairman & CEO Central Bank, UT David Taber Chairman-Elect President, CEO & Director American River Bankshares, CA Park Price Secretary/Treasurer President Bank of Idaho, ID Michael J. Perdue Immediate Past Chairman President Pacific Western Bank, CA Nancy E. Sheppard President & CEO Western Independent Bankers, CA Richard T. Beard President & CEO Bank of American Fork, UT John Dickson President & CEO Frontier Bank, WA John E. Fahrendorf, Jr. President & CEO Desert Hills Bank, AZ Robert L. Fenstermacher Chairman, President & CEO LibertyBank, OR Alan Lane Executive Chairman Professional Business Bank, CA Dennis A. Long CEO The Bank of the Pacific, WA Ken Martin President & CEO Cashmere Valley Bank, WA Daniel P. Myers President & CEO Bridge Bank, N.A., CA Michael Perry Chairman, President & CEO San Diego Trust Bank, CA BOARD OF DIRECTORS Scott R. Andrews President, California Region Capitol Bancorp, Ltd., CA The Only Solution For Your Processing Needs. To learn more, contact Todd Cline at 847-871-6005 or Todd.Cline@53.com EFT.53.com AT M C A R D P R O C E S S I N G | D E B I T C A R D P R O C E S S I N G | P O RT F O L I O M A N A G E M E N T C A R D P R O D U C T I O N | N E T W O R K G AT E WAY S E RV I C E S | AT M T E R M I N A L D R I V I N G C R E D I T C A R D P O RT F O L I O S E RV I C E S | C O R R E S P O N D E N T A N D C A S H L E T T E R S E RV I C E S 6 361695_Fifth.indd 1 www.wib.org Western Independent Banker 12/23/07 5:06:57 PM http://www.53.com 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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