Grant Thornton's Twelfth Annual Survey of Community Bank Executives explores how bankers juggle myriad banking and business issues and ensure good governance, safe and sound operations and profitability. Setting the scene for the banking industry in 2005, the national backdrop includes promises of a growing economy with exceptional productivity levels, but uncertainty in the jobs market; expectations of increasing business investment, but anticipation of rising long-term interest rates. Widely publicized security threats and concerns for homeland security also continue to prevail. And, the face of banking is changing with announced mergers among the nation's largest financial institutions. These issues will shape the opportunities - and risks - for community banks in coming years.
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