Straight Talk — The X Factor

      The cover feature in this edition addresses media. Banking is a big story these days and more reporters than ever are digging into call reports, enforcement orders and earnings information. Thanks to technology, reporters have almost instant access to industry information; media passes most of it on without meaningful analysis. The preponderance of easily accessible data lulls too many reporters into a serious error: They forget about the X factor.

      Bankers, like everyone in business, consult the numbers whenever they make a decision. Loan decisions . . .

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