Norman Backues & Associates, Inc

NBA recognizes that change is a constant factor in the banking industry. The challenge of meeting regulatory requirements and operating an efficient and profitable organization, in an evolving environment, can be overwhelming. Our firm can provide the expertise necessary to help you adapt to changing regulatory, competitive and economic climates in a cost-effective manner. In executing this role, NBA is guided by the following philosophies: - Experience: We believe that maintaining an experienced and committed staff is a critical element to providing the level of service banks expect from their outside consultants. - Flexibility: We believe that a bank's needs should dictate our approach. Flexibility in our delivery of products and services is necessary to meet an individual bank's objectives. - Solutions: We believe that the role of an outside provider extends beyond problem identification. Our consultants will assist your bank by guiding your staff toward practical solutions to correct areas of weakness. - Profitability: We believe that by constantly focusing on the bottom line of our clients, the cost of our services should generally be offset by future earnings derived from such services.