Independent Banker - September 2017 - 17

the bank's website and noticed his
phone number on the site. Some are
surprised to hear his voice on the
other end.
" To be able to talk with an owner
or decision maker is really becoming
scarce and is an important lifeline for
our customers, " he says, adding that
he posted his phone number on the
website 15 years ago. " I would much
rather have people reach out to me
with stories of where we dropped the
ball than to have them shrug their
arms and leave. When you lose contact
with customers, you lose part of
the heart and soul of your business. "
He also perceives complacency as
the enemy, comparing it to cancer.
While employees receive kudos
for their hard work and successes,
McGraw's typical response is, " Congratulations,
you came up with a
unique solution, but how can we do
this better to satisfy other customers? "
As part of the community bank's
forward momentum, it joined the
NASDAQ stock exchange in April.
The following month, its stock took
off, jumping from the low $30s to $43
per share, he says. At the end of May,
the community bank's board issued a
3-for-2 stock split, giving shareholders
one additional share for every two
shares they owned. That drove the
stock price back down to the mid$20s,
making shares more affordable
for small investors.
During a stockholder's meeting in
June, McGraw asked investors not to
get distracted by the stock's price.
80%+
Employee retention rate
at First National Bank of
Northern California
" I said it's all great, but the important
thing for management and all of
our employees is to stay focused on
providing the best customer service
and making sure that the delivery
of that service is high quality, " he
recalls. " If you do that, everything
else takes care of itself. "
Carol Patton is a writer in Nevada.
CELEBRATING
We believe in making homeownership a wish that
comes true. Through our MPF partnership with local
community lenders, we have helped more than
1.6 million households over these 20 years achieve
the dream of homeownership. The American dream
of being able to qualify and afford your own home
should be attainable and available in your local
community. Our members, partnering with us, have
made this happen. Join us in celebrating this amazing
achievement and let's look forward to helping many
Ài «i«i Ài>V ÌiÀ w>V> >`ÕÃ} }>ð
YEARS
VISIT FHLBMPF.COM OR CALL 877.463.6673
________________
" MPF " is a registered trademark of the Federal Home Loan Bank of Chicago. The " MPF Mortgage Partnership Finance " logo is a trademark of the Federal Home Loan Bank of Chicago.

http://www.qmags.com/clickthrough.asp?url=www.fhlbmpf.com&id=20343&adid=P17A1

Independent Banker - September 2017

Table of Contents for the Digital Edition of Independent Banker - September 2017

Table of Contents
Independent Banker - September 2017 - Intro
Independent Banker - September 2017 - Cover1
Independent Banker - September 2017 - Cover2
Independent Banker - September 2017 - Table of Contents
Independent Banker - September 2017 - 2
Independent Banker - September 2017 - 3
Independent Banker - September 2017 - 4
Independent Banker - September 2017 - 5
Independent Banker - September 2017 - 6
Independent Banker - September 2017 - 7
Independent Banker - September 2017 - 8
Independent Banker - September 2017 - 9
Independent Banker - September 2017 - 10
Independent Banker - September 2017 - 11
Independent Banker - September 2017 - 12
Independent Banker - September 2017 - 13
Independent Banker - September 2017 - 14
Independent Banker - September 2017 - 15
Independent Banker - September 2017 - 16
Independent Banker - September 2017 - 17
Independent Banker - September 2017 - 18
Independent Banker - September 2017 - 19
Independent Banker - September 2017 - 20
Independent Banker - September 2017 - 21
Independent Banker - September 2017 - 22
Independent Banker - September 2017 - 23
Independent Banker - September 2017 - 24
Independent Banker - September 2017 - 25
Independent Banker - September 2017 - 26
Independent Banker - September 2017 - 27
Independent Banker - September 2017 - 28
Independent Banker - September 2017 - 29
Independent Banker - September 2017 - 30
Independent Banker - September 2017 - 31
Independent Banker - September 2017 - 32
Independent Banker - September 2017 - 33
Independent Banker - September 2017 - 34
Independent Banker - September 2017 - 35
Independent Banker - September 2017 - 36
Independent Banker - September 2017 - 37
Independent Banker - September 2017 - 38
Independent Banker - September 2017 - 39
Independent Banker - September 2017 - 40
Independent Banker - September 2017 - 41
Independent Banker - September 2017 - 42
Independent Banker - September 2017 - 43
Independent Banker - September 2017 - 44
Independent Banker - September 2017 - 45
Independent Banker - September 2017 - 46
Independent Banker - September 2017 - 47
Independent Banker - September 2017 - 48
Independent Banker - September 2017 - 49
Independent Banker - September 2017 - 50
Independent Banker - September 2017 - 51
Independent Banker - September 2017 - 52
Independent Banker - September 2017 - 53
Independent Banker - September 2017 - 54
Independent Banker - September 2017 - 55
Independent Banker - September 2017 - 56
Independent Banker - September 2017 - 57
Independent Banker - September 2017 - 58
Independent Banker - September 2017 - 59
Independent Banker - September 2017 - 60
Independent Banker - September 2017 - 61
Independent Banker - September 2017 - 62
Independent Banker - September 2017 - 63
Independent Banker - September 2017 - 64
Independent Banker - September 2017 - 65
Independent Banker - September 2017 - 66
Independent Banker - September 2017 - 67
Independent Banker - September 2017 - 68
Independent Banker - September 2017 - 69
Independent Banker - September 2017 - 70
Independent Banker - September 2017 - 71
Independent Banker - September 2017 - 72
Independent Banker - September 2017 - 73
Independent Banker - September 2017 - 74
Independent Banker - September 2017 - 75
Independent Banker - September 2017 - 76
Independent Banker - September 2017 - Cover3
Independent Banker - September 2017 - Cover4
https://www.nxtbook.com/mspc/independentbanker/december2024
https://www.nxtbook.com/mspc/independentbanker/november2024
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com