ABA Banking Journal - February 2008 - (Page 16) Community Banking Pass the Aspirin The Books Bankers Live By, 2008 edition p.18 Don’t despair Things keep looking worse for many sectors. But tomorrow’s winners will be those banks that keep their eye on the whole journey, not just the next period 16 FEBRUARY 2008/ABA BANKING JOURNAL A Three faces of banking In the midst of this worsening situation, we are seeing three By Michelle Gula, president and CEO, and Jay Brew, chief bank strategist, m.rae resources, inc., a bank consulting firm based in Bethlehem, Pa., www.mraeresources.com www.ababj.com/subscribe.html ILLUSTRATION BY TIM TEEBKEN ll roads appear to lead downhill right now for community banking. As you wade through the seemingly endless reports of this worsening credit and liquidity crisis, it is nearly impossible to refute that the events we’ve witnessed to date will lead us into a long and deep recession. Even if you are in the optimistic outlook group, the risk is there, and now is the time to plan accordingly. Don’t just wade through the mire waiting for the good news to be delivered. You must begin to think, plan, and lead as if the good days are already here. Indeed, in recollecting recent banking history, we are reminded that in the crazy 1980s many banks gave up much value when things went south. That’s because they had short-term reactions, instead of proactive long-term implementation. We can learn from history. http://www.mraeresources.com http://www.ababj.com/subscribe.html
Table of Contents Feed for the Digital Edition of ABA Banking Journal - February 2008 ABA Banking Journal - February 2008 Contents On ABABJ.COM: Have You Visited Our Brand-New Website? Editor's Column "That's Edutainment" Snapshot: Tier 1 Ratios Stable so Far 100th Anniversary: Then and Now ABA Resources ABA Chairman's Position Don't Despair Pass the Aspirin Cover Story: Socially Responsible Banking Profitably - Incoming America's Community Bankers Council Chairwoman, Dorothy Bridges Demonstrates the Way A True "Rags-to-Banker" Story Retail Banking: On the Money Hunt Community Bank Management: The Ugly Truth About Board Relations Does Core Really Matter? Security 2.0: Not Just a New Kettle of Phish A Personal Case of Mal-Serendipity DOD Credit Regs Demand Attention Mailbox Banker's Mart To Advertise/Index of Advertisers The Economy ABA Banking Journal - February 2008 ABA Banking Journal - February 2008 - ABA Banking Journal - February 2008 (Page Cover1) ABA Banking Journal - February 2008 - ABA Banking Journal - February 2008 (Page Cover2) ABA Banking Journal - February 2008 - ABA Banking Journal - February 2008 (Page 1) ABA Banking Journal - February 2008 - ABA Banking Journal - February 2008 (Page 2) ABA Banking Journal - February 2008 - Contents (Page 3) ABA Banking Journal - February 2008 - Editor's Column (Page 4) ABA Banking Journal - February 2008 - Editor's Column (Page 5) ABA Banking Journal - February 2008 - Editor's Column (Page 6) ABA Banking Journal - February 2008 - "That's Edutainment" (Page 7) ABA Banking Journal - February 2008 - 100th Anniversary: Then and Now (Page 8) ABA Banking Journal - February 2008 - 100th Anniversary: Then and Now (Page 9) ABA Banking Journal - February 2008 - 100th Anniversary: Then and Now (Page 10) ABA Banking Journal - February 2008 - 100th Anniversary: Then and Now (Page 11) ABA Banking Journal - February 2008 - 100th Anniversary: Then and Now (Page 12) ABA Banking Journal - February 2008 - ABA Resources (Page 13) ABA Banking Journal - February 2008 - ABA Chairman's Position (Page 14) ABA Banking Journal - February 2008 - ABA Chairman's Position (Page 15) ABA Banking Journal - February 2008 - Don't Despair (Page 16) ABA Banking Journal - February 2008 - Don't Despair (Page 17) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 18) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 19) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 20) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 21) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 22) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 23) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 24) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 25) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 26) ABA Banking Journal - February 2008 - Pass the Aspirin (Page 27) ABA Banking Journal - February 2008 - Cover Story: Socially Responsible Banking Profitably - Incoming America's Community Bankers Council Chairwoman, Dorothy Bridges Demonstrates the Way (Page 28) ABA Banking Journal - February 2008 - Cover Story: Socially Responsible Banking Profitably - Incoming America's Community Bankers Council Chairwoman, Dorothy Bridges Demonstrates the Way (Page 29) ABA Banking Journal - February 2008 - Cover Story: Socially Responsible Banking Profitably - Incoming America's Community Bankers Council Chairwoman, Dorothy Bridges Demonstrates the Way (Page 30) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 31) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 32) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 33) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 34) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 35) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 36) ABA Banking Journal - February 2008 - A True "Rags-to-Banker" Story (Page 37) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 38) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 39) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 40) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 41) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 42) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 43) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 44) ABA Banking Journal - February 2008 - Retail Banking: On the Money Hunt (Page 45) ABA Banking Journal - February 2008 - Community Bank Management: The Ugly Truth About Board Relations (Page 46) ABA Banking Journal - February 2008 - Community Bank Management: The Ugly Truth About Board Relations (Page 47) ABA Banking Journal - February 2008 - Community Bank Management: The Ugly Truth About Board Relations (Page 48) ABA Banking Journal - February 2008 - Community Bank Management: The Ugly Truth About Board Relations (Page 49) ABA Banking Journal - February 2008 - Community Bank Management: The Ugly Truth About Board Relations (Page 50) ABA Banking Journal - February 2008 - Community Bank Management: The Ugly Truth About Board Relations (Page 51) ABA Banking Journal - February 2008 - Does Core Really Matter? (Page 52) ABA Banking Journal - February 2008 - Does Core Really Matter? (Page 53) ABA Banking Journal - February 2008 - Security 2.0: Not Just a New Kettle of Phish (Page 54) ABA Banking Journal - February 2008 - A Personal Case of Mal-Serendipity (Page 55) ABA Banking Journal - February 2008 - A Personal Case of Mal-Serendipity (Page 56) ABA Banking Journal - February 2008 - DOD Credit Regs Demand Attention (Page 57) ABA Banking Journal - February 2008 - Mailbox (Page 58) ABA Banking Journal - February 2008 - Mailbox (Page 59) ABA Banking Journal - February 2008 - Mailbox (Page 60) ABA Banking Journal - February 2008 - Banker's Mart (Page 61) ABA Banking Journal - February 2008 - To Advertise/Index of Advertisers (Page 62) ABA Banking Journal - February 2008 - To Advertise/Index of Advertisers (Page 63) ABA Banking Journal - February 2008 - The Economy (Page 64) ABA Banking Journal - February 2008 - The Economy (Page Cover3) ABA Banking Journal - February 2008 - The Economy (Page Cover4)
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