Bank Consultants, Bank Risk Management Services RK Yowell and Assoc., LLC



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Sound Banking...

is based on proven fundamentals. As long as these fundamentals are observed, then the bank can be run with any of a variety of focuses. Violating the fundamentals results in disaster, regardless of what else one may be doing correctly.

Managing a bank's loan portfolios requires balancing:
•	Asset quality
•	Net interest margin (profit), and
•	Market share.

Long upward economic cycles have an anesthetic effect:
•	Collateral values continue to grow ("A rising tide lifts all ships")
•	Universal prosperity generates economic activity and business opportunity
•	Capital markets expect and reward growth
•	Examiners spend more time on other issues and less time on asset quality
•	The historical perspective for risk measurement standards becomes shorter and shorter as the last crisis becomes a more distant memory.

Eventually, the disciplines of lending are either:
•	Declared outmoded
•	Modified by all of the newly acquired "wisdom" or
•	Simply forgotten.

Then something knocks down the first financial domino.
In today's case, that was the subprime debacle when the fundamentals have proven true again. Experienced bank management consultants who have weathered previous crises have practical solutions and can enable a faster return to sound banking.

RK Yowell & Associates, LLC is staffed exclusively with proven bank executives who have "been through the wars", either as bank CEO's, senior bank lenders, credit executives and loan portfolio managers, or as senior financial institution regulators.

	BANK MANAGEMENT CONSULTANTS

	RE-ESTABLISHING YOUR CREDIT CULTURE IN SOUND BANKING FUNDAMENTALS

We understand banking fundamentals…
We will teach them to your lenders.	We will restore and preserve them in your bank.

RK YOWELL & ASSOCIATES, LLC
Boerne, TX
(830) 336-2140

BANK MANAGEMENT CONSULTANTS