Straight Talk: Smarts trump size

      Larger banks have more assets to absorb overhead expenses than smaller banks. At most smaller banks, under current conditions, the likelihood of their overhead growing is greater than the likelihood of their assets growing. That means pressure on earnings; experts fear the pressure may squeeze some smaller banks right out of existence.

      How big does a bank need to be to survive? I often hear people say $100 million or more. Understand there are 2,649 banks in this country with $100 million in assets or fewer. Illinois . . .

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