--- title: Plansmith Blog | community bank interest rate risk (4) description: community bank interest rate risk | (4) --- [CALL TOLL-FREE 1-800-323-3281](https://www.plansmith.reachproductions.net/project/call-toll-free-1-800-323-3281/) [![Plansmith](https://blog.plansmith.com/hs-fs/hubfs/Plansmith-Logo.png?width=764&height=135&name=Plansmith-Logo.png "Plansmith")](https://www4.plansmith.com) - Solutions - [Budgeting](https://www4.plansmith.com/budgeting/) - [ALM](https://www4.plansmith.com/alm) - [ALM Advisory Services](https://www4.plansmith.com/alm/advisory-services/) - [CECL](https://www4.plansmith.com/cecl/) - [Strategy](https://www4.plansmith.com/strategy/) - [Market Intelligence](https://www4.plansmith.com/market-intelligence/) - Products - [StrategyGPS](https://www4.plansmith.com/strategygps/) - [Compass](https://www4.plansmith.com/compass/) - [BankersGPS](https://www4.plansmith.com/bankersgps/) - Resources - [Blog](https://blog.plansmith.com/) - [Videos](https://plansmith.wistia.com/projects/7qemazkqii) - [Compass Tutorials](https://info.plansmith.com/compass-tutorials) - [Lunch N’ Learn](https://info.plansmith.com/lunch-n-learns) - [Webinars](https://www4.plansmith.com/webinars/) - [About](https://www4.plansmith.com/about/) - [Schedule A Discovery Call](https://www4.plansmith.com/contact-us/) - [CALL TOLL-FREE 1-800-323-3281](tel:8003233281) # Plansmith Blog ## [Community Banks: Establish Goals and Contingency Funding Plans, Part 2](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans-part-2) Posted by [Craig Hartman](https://blog.plansmith.com/author/craig-hartman) on 11/3/14, 1:00 PM - [Tweet](https://twitter.com/share) [![UsingPlanningModel2.jpg](https://blog.plansmith.com/hubfs/UsingPlanningModel2.jpg)](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans-part-2) In [part one](https://www1.plansmith.com/blog/post/Using-a-Planning-Model-Establishing-Goals-and-CFPs) of this series, we discussed establishing your goals and developing several alternatives or contingency funding plans. Next, we will discuss the remaining 3 rules. [Read More](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans-part-2) ## [Community Banks: Establish Goals and Contingency Funding Plans](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans) Posted by [Craig Hartman](https://blog.plansmith.com/author/craig-hartman) on 10/21/14, 5:00 PM - [Tweet](https://twitter.com/share) [![UsingPlanningModelGoalsCFPs.jpg](https://blog.plansmith.com/hubfs/UsingPlanningModelGoalsCFPs.jpg)](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans) "May you live in interesting times." This ancient Chinese proverb continues to describe the nature of banking. The banking community is going through the most challenging period since the Great Depression. Not only is the economy unsure, but flat interest rates, coupled with new regulation and increased consolidation, have caused massive structural changes within the financial industry. In brief, the task of management has become more difficult. It has changed from a maintenance task to one of survival. Today’s banker must be more sensitive to marketing, pricing, resource allocation, and productivity than at any time in the past. He/she must sharpen their business expertise, marketing skills, investment sense, and develop a tougher attitude toward expense control. To accompany all this, you must have the appropriate informational tools that allow you to assimilate and evaluate the impact of possible changes to the institution’s current and future income. [Read More](https://blog.plansmith.com/community-banks-establish-goals-and-contingency-funding-plans) ## [Community Banks: Bring Meaning to the Numbers](https://blog.plansmith.com/community-banks-bring-meaning-to-the-numbers) Posted by [Craig Hartman](https://blog.plansmith.com/author/craig-hartman) on 10/6/14, 4:00 PM - [Tweet](https://twitter.com/share) [![BringingMeaningToTheNumbers.jpg](https://blog.plansmith.com/hubfs/BringingMeaningToTheNumbers.jpg)](https://blog.plansmith.com/community-banks-bring-meaning-to-the-numbers) Financial institutions are not like other businesses. After all how many other businesses get a daily statement of condition? In what other business is the balance sheet also the product list? It must be remembered that a financial institution’s directors typically come from other industries. For these reasons, it is management’s responsibility to translate the business model, key operating ratios and banking language into terms familiar to directors to insure meaningful dialog. 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