ST. LOUIS - Norman Tice is sure a bank that can't make money lending to low- and moderate-income customers must be doing something wrong. Mr. Tice runs Boatmen's Bancshares' community development corporation, and with nearly a 17% return on equity, he's clearly doing something right.

"The product line is designed to make money," Mr. Tice said in an interview. "We don't make as much money as other products, but it's got to be profitable."

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