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• W82190079 abstract "The year 2000 is all but history now, whereas 2001 is still unknown territory. Knowing what others expect to be important in the months ahead can be a useful check against your own thinking. In seeking insights for this report, we took a different approach from the usual roundup. You won't find the musings of analysts, consultants, and other professional opinion leaders, no disrespect intended. Many of those people are keen observers of financial services, but they are observers, not practitioners, and there is something to be said for listening to the experience of people actually in the business. That is what we present here. As a proxy for the industry at large, we surveyed the 23 banker members of the ABA Board of Directors. The board is an excellent proxy because of the way it is comprised: One-third of its members comes from small, mid-size, and large banks respectively (the asset sizes range from $42 million to $672 billion--see the list on page 38). We asked each banker to identify the five issues or trends he or she expected to be wrestling with next year--whether it be privacy or customer relationship management. The chart on the next page shows the aggregated results, weighted according to the order in which the issues were listed. (You can see the full list, grouped by asset size category, on our website, www.banking.com/aba) What's surprising about the list is not the topics, per se, none of which are out of left field, but how they rank. That the issue of funding, for example, is the top issue seems curious, considering that total assets in mutual funds surpassed total deposits some years ago. But the comments of several bankers help explain the ranking of this issue. Naturally if we had surveyed only the top 50 banks, revenue might have ranked higher. On the following pages is what the bankers have to say about their picks. Funding You might think that with the volatility of the equity markets this year that insured deposits would have seen a resurgence. Certainly there's been more advertising for them, but according to the bankers we spoke with, there's been minimal bounce, if any. Deposit growth in the last year has been below the growth rate of loans, says William Reid, president and CEO of The Mechanics Bank, a $1.6 billion-assets bank in Richmond, Calif. Our loan-to-deposit ratio grew from 70% to 80%. Says Joseph Edwards, president, United Bank Corp., Barnesville, Ga., It used to be that every time somebody would get a windfall we knew some of that money would come our way. We don't know that anymore. Individual banks can still generate deposit growth through acquisitions and by opening branches, and simply by paying up for them. But as Edwards observes, We're just stealing from the bank across the road--we're all going after a diminishing pool. Interest-bearing deposit accounts will continue to shrink, says Michael Grove, president of First National Bank of the Rockies, White Sulphur Springs, Mont. We'll just have to get used to it. Grove's bank relies on advances from the Federal Home Loan Banks for funding, and uses Farmer Mac as well. The liberalized rules for FHLB advances contained in the Gramm-Leach-Bliley Act were mentioned as a boon by several of the banks. At $40 billion-assets Comerica Corp., Detroit, funding isn't a major issue, according to CEO Eugene Miller. We've developed different sources of funds, he says. Provided you keep your credit rating at the top, attracting funds at a reasonable price shouldn't be a problem. There's good liquidity available, agrees Michael Patterson, chairman of Centura Banks, Raleigh, N.C. Deposits, however, are a lower-cost, less volatile source of funding. Using other funding changes your risk matrix, says Patterson, which means you've got to do a lot better at managing your balance sheet. …" @default.
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• W82190079 date "2000-12-01" @default.
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• W82190079 title "TOP ISSUES & TRENDS for 2001" @default.
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