The Financial Magnifying Glass: Six Key Income Statement Ratios Unveiled for Community Bank Credit Underwriting

In the realm of community banking, credit underwriting is not just a process—it’s an art. It’s atestament to your expertise, requiring a keen eye for detail and a deep understanding of financialmetrics to paint a true picture of a borrower’s fiscal health. Today, we spotlight six key incomestatement ratios that serve as the linchpins of […]

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Lessons From 2020

As you know Covid-19 has changed everything.  It has forced every industry that can rethink how work is done and where it can be performed.  Also, it has given pause to every business owner, banker, investor, employee, board of directors, and bank customer.  The lessons learned were many and they keep coming.  Not only have

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OPTIMIZATION vs. GROWTH

When it comes to management, we are always looking for ways to increase the bottom line. Myobservation is that most CEO’s or Managers automatically go to the obvious, GROWTH, right? STOP!While cooking breakfast this morning, I was listening to the podcast “Smart Passive Income”. Thepodcast host, Pat Flynn, was hosting Paul Jarvis author of Company

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