ABA Banking Journal Community Bank Competetiveness Survey 2006 - (Page 4)

CompeteSurvey 02_06 copy 1/26/06 3:42 PM Page S4 COMMUNITY BANK COMPETITIVENESS SURVEY 2006 Better or Worse? Executive Forecast P represent relationships that entail Waterloo, Iowa. As a result, bankers ity the hamster. He runs in his lit- fees increasingly important. will need to diversify their funding tle wheel all night and never To the good, of loans already on sources. Elsewhere in this year's re- gets anywhere, poor devil. the books, seven in ten bankers be- port are indications that some Try to ignore the inevitable com- lieve that quality will be as strong as bankers still prefer not to use bro- parison when you next use your last year, and some say better center . kered or institutional funds, but Vich treadmill or when you look ahead to Fee income is a bright spot. Four in is convinced that they won't be able 2006. Because the overall meaning ten expect an increase. to resist much longer. Vich, one of behind responding bankers' answers This leads to an interesting possi- the bankers sitting on this survey's to the Executive Forecast section of bility, that the expected rise in fee in- advisory committee, says his bank the survey is that 2006 will look an come comes from branch growth. casts a wide net for funding. awful lot like 2005, only, for many Survey committee member Gordon The second pie indicates that many bankers, grimmer. Much effort will Gentry, Jr., chairman, TowneBank- areas will see loan growth either re- go into merely maintaining position. Peninsula, Newport News, Va., points main level or tail off, with a minority In the first chart from the left , out that his institution opens larger predicting higher demand in 2006. more than half of the responding branches that provide sufficient space There were no discernible differences bankers believe funding will be hard- for insurance and investment sales. by bank size, specialty, or market. er to come by in 2006. The only re- Seven out of ten expect local If these trends tougher deposit gion that has it easy is the West. economies to perform at the same lev- gathering and stagnant to tougher Deposits remain difficult to ob- el as 2005, as shown in the fifth chart, loanmaking cross at the right point, tain at a competitive rate, says and a portion of the respondent base some banks might see the need for Joseph Vich, president and CEO at 17.5% expects to see improvement. local deposits fall. But deposits also Community National Bancorporation, A year from now... Exhibit 1 How will your local How will your loan How will your fee How will your overall How will your funding economy be? growth be? income be? loan quality be? situation be? Worse Lower Better Worse The larger Higher Better the bank, 13.7% 11.1% 21.5% 8.7% Harder 14.7% Lower 17.5% the more Higher 53.1% 29.8% often higher 39.2% fee income was About the About the About the About the About the predicted. same same same same same 49.6% 44.8% 68.8% 69.9% 55.5% Easier 2.1% Nearly one in three The more urban Farm lenders were more Urban and The larger the bank, farm banks predicted a bank's market likely to predict worsening Northeastern banks the harder funding a tougher economy. the more likely easing loan quality. were much more was predicted to be. was expected. likely than others Regional Better Worse Regional Harder About Regional Better Worse to predict rising Trends The Same Trends Trends fee income. Northeast 5.4% 10.7% Northeast 57.1% 39.3% Northeast 10.7% 8.9% Southeast 25.6 4.9 Southeast 54.3 44.4 Southeast 15.9 4.9 Central 15.7 16.7 Central 50 48.1 Central 27.8 8.3 Midwest 13.5 18.1 Midwest 60 38.2 Midwest 25.1 9.9 Southwest 28.1 15.8 Southwest 49.1 50.9 Southwest 24.6 12.3 West 22.4 8.6 West 36.8 57.9 West 14 7 S4 MARCH 2006/ABA BANKING JOURNAL Competitiveness Survey 2006 http://www.townebankonline.com http://www.cnb1.com/home.htm

Table of Contents for the Digital Edition of ABA Banking Journal Community Bank Competetiveness Survey 2006

Contents
Executive Forecast
Regulatory Barometer
Branching Trends
Branching Strategy
Branch Design & Construction
Deposits & Funding
Your Bank's People
Today's Technology
Acknowledgments

ABA Banking Journal Community Bank Competetiveness Survey 2006

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