Statement

Strategic Review Process Element

Depending on who gets elected, two things might happen. Either banking regulations will get much stricter, and we will start paying much higher taxes, or our taxes will be cut, and we will be able to operate in a much looser regulatory environment.

During a teller's focus group last month, one of our employees suggested creating our own person$-$to$-$person payment system

It would involve developing our technology, determining how to manage risk, establishing a pricing model, and creating new customer communication and service programs, but it might really help us grow our business.

I've been reading a blog called "Retail Banking Strategies," published by the Peak Performance Consulting Group. They're predicting that the only way for community banks to prosper is to have a growth strategy.

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