The State of Banking Employees feel valued, because we've invested in them as people. " -Steve Adamo, First Fidelity Bank Read more on page 50 Young & Associates, Inc. Consultants to the Financial Industry Michigan 98 banking institutions $80.97 billion Total assets The Detroit-WarrenDearborn area has the largest deposit market with $128.85 billion 0.95% Median ROA Commercial real estate has the highest loan concentration at 233.05% Source: FDIC Q1-18 statistics Regulatory Compliance Services Designed to strengthen your ability to satisfy today's complex compliance requirements and balance regulatory standards and expectations with the practical capacities of the bank. Compliance Management Assessment Compliance Review Compliance Outsourcing Compliance Training Compliance Policies For more information contact Karen Clower at kclower@younginc.com or 800.525.9775. Quick stat 80.46% Respondents who say their bank has cyber insurance Source: ICBA NewsWatch Today poll, week of Aug. 27, 2018 4 0 YEARS 1978 - 2018