The Week's Best Quotes
January 22, 2013 2:44 PM
The most memorable comments from American Banker stories of the previous week. Readers are encouraged to add their own observations in the Comments fields at the bottom of each slide. (Image: Fotolia)
On why regulators should encourage lending to home builders:
"If they looked at the loans on banks' books the last two years they'd see that the quality is as good as it's ever been. You shouldn't restrict growth based on what happened five or eight years ago."VantageSouth Sees Little Risk in Business Lending (Image: Shutterstock )
- Rick Judson, vice chairman of the National Association of Home Builders.
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On the need to be disciplined while pursuing loan growth:
"We're simply not going to go back out of the frying pan into the fire in terms of taking on a bunch of higher-risk-profile types of credit."Regional Banks Have No Time to Celebrate as Risks Loom (Image: Shutterstock )
- Kelly King, BB&T chairman and chief executive
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On what examiners expect from community banks' emergency-response plans:
"Auditors want to know that you have sat down, looked at your systems and determined the risk levels. They want to make sure banks are engaged in the process on a monthly basis."Small-Bank recovery Plans Draw Reg Focus (Image: Thinkstock)
- Stan Anderson, IT manager at Inland Northwest Bank
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On the Talmer Bank's decision to rebrand itself:
"What is a Talmer? It was almost like we needed to put a mascot with it."Why a N.J. Bank Would Take Jersey Out of Its Name
- David Provost, chairman and chief executive of Talmer Bank and Trust
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On what a new bank serving the Amish and Mennonite communities needs to do differently:
"They need to have a parking area for horses."No Need for Mobile Banking Here, But Make Room for Horses (Image: Shutterstock )
- Donald Kraybill, sociology professor at Elizabethtown College in Pennsylvania
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On how succession problems can lead to mergers:
"Acquisitions are often decided because of the fact that a capable, qualified leadership team can be expected to join. I think it is becoming an important part of M&A because there are so few capable leaders."Does the CEO Resignation at BBCN Mean It Will Buy Hanmi? (Image: Shutterstock )
- Rod Taylor, president of the executive recruiting firm Taylor & Co.
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On regulators' desire for better documentation on consumer debt:
"You can't read the Amex consent order and come to any different conclusion than that … the safest and most conservative practice is to retain everything as long as the account is alive."Feds Eye Raising Debt Documentation Bar (Image: Shutterstock )
- Chris Willis, partner at Ballard Spahr
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On whether community banks will be satisfied with the OCC's supervision:
"Our goal is not to make them satisfied, but our goal is to take into account their legitimate concerns."OCC's Curry on Big Bank Breakup, Basel and Preemption (Image: Bloomberg News)
- Comptroller of the Currency Thomas Curry
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On how mortgage servicers will adjust to the Consumer Financial Protection Board's new rules:
"You can't just turn on a lightswitch and expect this to run like clockwork. The regulations are so detailed that it takes a while to get these processes in place."Servicing Rules Could Force Institutions Out of the Business (Image: Shutterstock )
- Suzanne Garwood, Venable attorney
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On becoming Fulton Financial's CEO shortly before the housing crisis began:
"I compare it to someone who always wanted to be a general and, once promoted, was sent immediately to the Russian front."Fulton Financial Scott Smith Returns form the Front (Image: Shutterstock )
- former Fulton Financial chief executive Scott Smith
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