It’s no trick to set a 2013 goal to make more money; the trick is in the execution – how are you going to do it?
These are the generally accepted sound practices in the community banking space: know your borrower, lend only in your market area, avoid loan concentrations, fund loans with core deposits, focus on products you understand, and grow as your capital grows with regular contributions from retained earnings. This is a good recipe for staying in business but it might not meet the earnings expectations of all your shareholders.
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