Inter National Bank
McAllen, TX

Asset Size at Implementation: 230m (1999)
Current Asset Size: 1.5b (2007)

Topic: Performance Compensation to Increase ROE

Inter National Bank of McAllen, TX sold for better than 5 times earnings.

"We have successfully transformed our way of managing profitability and risk through the proper design of our Stakeholders Incentive Compensation Plan.  Our strong, consistent and superior ROE was made possible through the behavior modification achieved with the use of Stakeholders." -- Carlos Garza, President & CEO

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Foothill Independent Bank
Glendora, CA

Asset Size at Implementation: 265m (1989)
Current Asset Size: 500m+

Topic: Profit Improvement

Prior to introducing "STAKEHOLDERS", the company was a very high performing institution, consistently ranking in the top 10% of all banks throughout the 1980’s.

After adding "STAKEHOLDERS" to their management systems, Foothill doubled its profitability (earnings per share) and became the 20th most consistently profitable bank in the United States over the prior five years. It also became the 105th most consistently profitable company for a five year period of all companies listed on the NASDAQ.

"It is our opinion that this is a direct result of our (Stakeholders) program” -- Foothill Independent Annual Report

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Irwin Union Bank and Trust Company
Columbus, IN

Asset Size at Implementation: 400m (1989)
Current Asset Size: 5.4b (2007)

Topic: Empowered Employees

In the first year on "STAKEHOLDERS“, Irwin Union improved their return on equity from 3% to 20%.  Employees generated 4,191 referrals (23 referrals per employee), of which 57% were closed, resulting in $60M in new quality loan volume.

The subsequent year, Irwin Union employees generated another 4,000 referrals and improved the closure rate to 63% resulting in another $60M in new business. The return on equity also improved to 22% from 20% the prior year.

"Both the bank and the financial corporation are having another round of record earnings and improved stock prices (up from 1 ½ in 1988 to 48 ½ to date); no doubt you’ll want to take some of the credit!“ -- Michael Ryan, President

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The Camden National Bank
Camden, ME

Asset Size at Implementation: 480m (1996)
Current Asset Size: 1.7b (2007)

Topic: First Year on Program

"I believe we’ve done quite a bit in our first year. We include everyone in monthly status report meetings and we run them so that everyone takes part using the 80/20 rule (80% listen, 20% talk). We have a different person in each department running meetings each month. So far this year, we’ve had three all employee meetings, and we plan to conduct those meetings quarterly next year. We’ve found that those are really important; the big group generates a lot of energy. We really try to do those up right. We have guest speakers and concentrate on team building…we make it a big deal.”

"It took a few months to get rolling, but our management and board of directors have always been very progressive and, as an organization, teamwork has always been our number one priority. Everything we do focuses on teamwork. Everything.”

"We’re going to end up with a first year payout in the 8% - 12% range.” -- Sue Westfall, CFO