Why Risk Your Capital Acquiring Weaker Banks
in Your Area When You Can Easily Snap Up
Their Best and Most Profitable Customers
Within Just a Few Months?
Learn How to Grow Your Bank Without Risk... Guaranteed!
The Hands-On Marketing and Sales Management Boot Camp
for Bankers Committed to Growing Profits, Performance,
and High-Margin Sales
May 22-23, 2012 in Dallas, Texas
You're a smart banker. Your bank is already successful. And, as a way to grow it even bigger, you've probably considered the idea of acquiring a weaker or even failed institution in your market area.
But what if I told you that your staff could easily snap up the best and most profitable customers of weaker banks in your area within just a few months? Not only that, you could just as easily do it all over again months later as the industry consolidates–without the safety downgrades and organizational risks that usually accompany the acquisition of a failed institution.
Is this scenario possible? Yes! In fact, I've seen it happen over and over again in this tough economy.
- One bank I worked with—that was stuck at 120 percent loan-to-deposit—pulled in so many profitable customers so quickly (complete with millions of dollars' worth of low-cost deposits), they called three months later asking how to apply the same process to get more loans.
- Another billion-dollar bank added 43 basis points of net interest margin within nine months.
- And a fourth-quartile performing bank—using just one process I gave them—became one of the top-performing banks in their state and was listed as one of the 100 safest banks in the U.S.!
Finally, here’s your chance to pull away from the pack...
All without the risks associated with acquiring weak or failed competitors. In fact, by the time you're done reading this letter, I hope to prove to you that there are much better ways to grow your bank... and they're so much easier, too. After all, why even consider the extreme hazards of an acquisition...
EVEN if the FDIC limits your risk?
- Your best people won't be selling for years. They'll be preoccupied with cleaning up messes...
- The two cultures will clash, and the "we-they" conversation will plague you for months...
- The reputational risk can last for decades and cost millions in lost potential customers—not to mention the near-inhuman task of cleaning up the messy loan portfolio...
- And, let's face it, you'll probably be downgraded on the safety-rating sites your customers are now trained to review—which, by itself, can be a deal-killer as you try to recruit your market's best commercial accounts.
Growth Through Acquisition Is a Thing of the Past.
In Fact, Smart Banks Now Use Proven Strategies
for Becoming
More Profitable, With Less Effort,
On Lower Ad Budgets...
And Without the Risk of Takeovers.
My name is Roxanne Emmerich®... and you may have heard me speak at last year's ABA Convention or one of the many regional and state banking conventions I've keynoted in 49 states. I know what it takes to run a successful bank because I've been at the helm of a multitude of high-performing banks, and have worked with the top 5% of America's highest performing institutions— specializing in growing community banks with assets from $500,000 to $2 billion.
Every year, I host my own banking event–Profit-Growth Banking Summit™–designed to move banks ahead rapidly... with better ratios, more profitable commercial loans, easier premium pricing, better committee approval rates, more loan completions, better customer service and a system of attracting the best and most profitable customers from the local community.
After nearly two decades in the banking industry, I've seen it all.
In fact, I can pinpoint at least a few of the problems likely facing your bank...
- Your customer service is very, very good. But your people aren't cross-selling as well as they should—nor are they proactively selling the most profitable products to the best prospects. They're missing their targets, and you wonder how other banks are cross-selling up to five new products for every opened account.
- While you've trained and trained, your people can't seem to move the conversation from rate inquiry to value-pricing—so they continue matching rates. As a result, your net interest margin is now on life support.
- You have plenty of cash to lend to qualified commercial accounts, yet loan officers still tell you, "No one's borrowing." Your loan committee wonders why loan origination is down, why the few packages they do get seem to be based on matching rates, and yet the loans still don't close despite everyone's time and effort.
- You just read another exception report and wonder if there's a way to attract the most qualified businesses and borrowers in your key geographic and vertical markets.
- You've cut expenses to the point that you've endangered your ability to turn things around quickly and regain profitability, if necessary. You now know you can't keep applying short-term solutions to long-term problems... but you're feeling nervous and stuck.
- You're doing a lot of things right, but you suspect your people aren't really aligned with the bank's overall goals. In fact, some days they're frankly disengaged. You wonder whether Gallup's research is true: That the average bank loses 1 out of 3 payroll dollars due to disengaged employees.
- Your middle managers are good people who care... but they don't really know how to build an organization of accountability. As a result, few if any are focused on key profitability indicators like ROA or ROE—or even know how they can contribute to these numbers.
- You know there's an opportunity in the bad news you just heard from a neighboring bank, but you're frustrated because you KNOW your people have no idea how to siphon off its best customers and largest depositors over the next several—and critical—weeks.
- You've spent tons of money on service training, sales training, strategic help, assessments and improving your culture... however, it's not sustainable and NONE of these efforts seem to bring a significant boost to your bottom line.
You're not alone if any of these problems are facing your bank. In fact, I can tell you they're COMMON in today's banking environment. Fortunately, however, I've also seen incredible opportunities—right now—for savvy bankers to grow through better banking... instead of through risky acquisitions.
Growing banks the smart way is why I originated Profit-Growth Banking Summit™.
For the past 20 years, I've worked with over half of the banks in the top 5% of performance—and those who want to get there—to achieve immediate and sustainable performance breakthroughs.
Profit-Growth Banking Summit™ is a hands-on marketing, culture and sales management "boot camp" dedicated to giving you REAL strategies that are immediately actionable and eminently productive. It gets you focused on growing profits, performance and high-margin sales. And it's tailored to deliver exactly what smart banks need to do to achieve record years during challenging times.
What do other bankers say about their RESULTS after attending the Profit-Growth Banking Summit™?
"Our loan growth was up $100 million in less than five months during the heart of a recession while we improved loan quality. Return on equity increased from 7.18% to 10.44% in a year. Net interest margin increased from 3.63% to 3.95% in a year. "
—J. Marcuccilli, CEO, STAR Financial
"I've attended boot camp THREE times, sent ALL my managers, and in the last year, we've experienced more growth than in the previous ten years combined! The growth of deposits and loans can be described as a miracle and profits are up 44%."
—P. Steele, President /CEO, First Volunteer Bank
"We not only met EVERY goal in ALL of our branches, but we exceeded many of our goals by 100 percent! I can't imagine any CEO who wouldn't want this."
—C. L. Hoffman, President & CEO, The Richwood Banking Company
"I've always said that if our competitors got a hold of Roxanne's information, we'd be in trouble. Fortunately, we found her first. Roxanne's systems work—especially during times like these."
—A. Tubbs, CEO, Onward Bankshares, Inc., Past President of American Bankers Assn
May 22-23, 2012 in Dallas Is When
I'll Hold the
Next Profit-Growth Banking Summit™
This is a must-attend event for CEOs, presidents, executives, vice presidents, and top producers who want to learn the new "norms" used by top performing banks—with in-depth detail that gets your staff excited about implementing these strategies right away. (In fact, most banks send two to three key people in order to effect rapid change once they return home.)
Here's what you and your team will discover at the event:
- A proven system that let's you command premium pricing on loans and services.
- The key to selling customers products they already want from your bank—cross-selling up to five additional products per household and saving marketing dollars in the process.
- Strategies for keeping top depositors...even when stock markets and rates take off again.
- The two-minute script that converts rate inquiries into value-priced loan applications!
- The only way to effectively recruit more profit-rich commercial accounts using data you already have at your fingertips.
- Proven ways to change the culture at your bank so that staff, managers, loan officers—everyone is aligned with the bank's goals.
- Strategies for siphoning off the best retail customers and business accounts from weak, neighboring banks—without putting your capital at risk.
The Profit-Growth Banking Summit™ Sells Out Every Year.
But even so, we guarantee you'll experience such lasting
value from your
education investment that we offer an
iron-clad, no-risk guarantee.
If by 11:00 a.m. on the second day of the event you are not absolutely convinced that this is the most valuable seminar you've attended in your banking career, let us know and we'll refund your entire registration fee. Not only that, if after three months you have fully implemented at least five of the ideas we shared and haven't received a tenfold return on your investment, we'll refund your entire registration fee.
Register yourself below and your team to join me in May 22-23 in Dallas or call Chris at (952) 820-0360. This Profit-Growth Banking Summit™ will sell out, so don't delay. Register now.
In your service,
Roxanne Emmerich
President and CEO
P.S. This could be your best year ever—implementing the same systems top-performing banks use.
Registration:
- Click here to register for $1,495. Earlybird Special: Register one attendee for only $1,295 (reg. $
1,495) before April 22nd, 2012. Earlybird discount will automatically be applied at checkout.
- Click here to register for 2 or more. Earlybird saving apply. Additional Seats Are Only $595.
*If you are a member client and would like to use your certificates, please enter your code at checkout... call us if you do not have the code.
Join us May 22-23, 2012 in Dallas, Texas.
Contact The Emmerich Group® at (952) 820-0360
with questions regarding registration for this event.
