Biggest impact on your bank's bottom line

​Always biggest thing that affects our bottom line the most and fastest is loan losses.  We are in a high loan demand area and at our historical high as it relates to gross loans and percentage of deposits.  Deposits in our rural community are a major concern going forward.  Cdars network has been a vital part of that as well as the ICS Network within.  Most damaging part still is the fact that they are considered brokered deposits on the ICS side more than CDars, as I understand the categorization.  But the ICS are OUR deposits on a reciprocal nature and should NOT be considered brokered on the call.

------------------------------
Douglas Parrott
CEO
State Bank of Toulon
------------------------------
-------------------------------------------
Original Message:
Sent: 09-17-2017 19:10
From: Steve Kinner
Subject: Biggest impact on your bank's bottom line

Welcome to the new peer community.

To kick things off, I would like to post a question that's on the minds of many bankers, particularly given the current deposit-gathering, regulatory, and overall economic environments – and the uncertain political and legislative environments, as well.

What ONE thing are you going to do over the next 12 months that will have the biggest impact on your bank's bottom line?

------------------------------
Steve Kinner
Promontory Interfinancial Network
Arlington VA
------------------------------