Plansmith Blog

Community Bank & Credit Union Forum: Compass Roundtable March 2016

Posted by Jennifer Mello on 5/11/16 10:00 AM

Thank you to everyone who attended the March 2016 Financial Compass Roundtable!

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Community Banks: Fun with Funds Transfer Pricing, Part II

Posted by Tom Parsons on 3/23/16 12:00 PM

In the previous post we explored the concept of funds transfer pricing (FTP), but only on the surface level. Now for the good stuff: how should the FTP rate be assigned? Well, in a number of ways from the simple to the complex. Like a lot of things in life, simple means fast, easy, less data, good enough; whereas complex requires lots of patience and data for a little more accuracy.

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How to Get Someone to Do What You Want

Posted by Jim Groark on 2/17/16 10:30 AM

One of the worst ways to get someone to do something you want is to tell them what to do. Most parents learn that lesson the hard way. The better way to incent certain behaviors is to have the other person see the benefit of exhibiting the desired behavior.

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Your Email is Putting Your Bank at Risk

Posted by Christopher Hartman on 2/3/16 1:00 PM

***Your Domain name can be used to SPOOF emails to anyone.***

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Community Bank & Credit Union Forum: Compass Roundtable 2015

Posted by Jennifer Mello on 1/7/16 2:00 PM

A Note to Attendees

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Get Your Community Bank Started with Social Media Marketing

Posted by Tom Parsons on 12/15/15 3:00 PM

For #CommunityBankers who are curious

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Community Banks: The Indiana Jones Sword vs. Gun Theory

Posted by Tom Parsons on 12/1/15 12:30 PM

"In the 1981 film, "Raiders of the Lost Ark", one particular scene consistently brings the house down: Indiana Jones, having survived an elaborate chase through a casbah, is confronted by a swordsman whipping through a flashy routine with a scimitar. Indy initially squares off against the deadly swordsman bearing only his trademark whip in his hands; then with a look of infinite fatigue and disgust, he casually pulls out his revolver and blows the bad guy away." (Credit for text:

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Twitter for Community Banks: Now I'm A Believer

Posted by Danielle Slowey on 11/5/15 3:00 PM

I’ll be honest, I was never a Twitter fan. I always thought, “I don’t have the time to sit on Twitter all day and read every single thing someone has to say in under 140 characters.”But then…I became a believer.

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Community Banks: Fun with Funds Transfer Pricing, Part I

Posted by Tom Parsons on 10/13/15 3:00 PM

Yep, the 90s. It was all the rage and I jumped on board like a millennial on the Grateful Dead Fare Thee Well scene – I’m not sure what it’s all about, but I want to say I was there.

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When "Market Value" Really Isn't Market Value

Posted by Dave Wicklund on 9/22/15 10:30 AM

“Where is someone that will pay me 1.5X book?; that’s what my Interest Rate Risk model says my bank is worth.” That statement, along with “there is no way this bank could be sold for 1.5X book”, are two comments I’ve heard a few too many times lately from bankers and examiners. While I will let you figure out which group is responsible for each statement, both illustrate a somewhat common misconception that capital values (sometimes called “market value of equity”) from interest rate risk models are meant to reflect actual current and projected institution sales prices. 

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