Bank Directors Seminar, Coeur d'Alene, ID

Putting it all together: Implications for community bankers – It remains a good time to be a community banker in the U.S. Most parts of the country prospered modestly since the financial crisis. Economic growth appears to have picked up. – We have survived the financial crisis, and the economy seems to be fighting less headwinds now than a few years ago and may even have some tailwinds. – Are you ready for the next recession caused by the Fed? (The Fed is going to invert the yield curve, or stop raising interest rates –either would be bad) – Don’t allow competition to make your decisions for you. Make you own decisions based on the facts and prospects, not the current environment.

Thanks for the privilege of your time and attention; and to CSBS for inviting me