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BANK PERFORMANCE VS. FAILURE In 2007, I decided to take a bold step and sell my first business, returning to the banking world in Chattanooga. With my background as a banker and examiner, it felt like the natural move. I joined a community bank that boasted the highest Return on Equity in the country the…

In the Beginning When I was a young man, I had heard that how you spend you spare time determines where you will be in ten, twenty, even thirty years.  This might be an indictment on my younger years, but I spent a lot of time in the library.  When I think of the public…