Now more than ever, community financial institutions are challenged with the unprecedented impact of multiple headwinds. Margin compression, competition, technological change, regulatory burdens and a difficult economy combine to produce a unique challenge. A rational and necessary response to these factors is to implement a strong structured focus on maximizing revenues and reducing operational inefficiencies that unnecessarily drain resources from other more profitable opportunities.

TKG has built its Profit/Process Improvement practice by uncovering operational inefficiencies and revenue opportunities in a manner sensitive to the culture within the organization. Our significant industry experience, combined with the profitability measurement and strategic planning assistance we have delivered to hundreds financial institutions, gives us unique expertise in evaluating an organization's operations. We take a common sense partnership approach with operational personnel by identifying a unit's objectives, reviewing workflow, and asking pertinent questions. Together with your staff, we identify those tasks that do not add value, thereby increasing a unit's capacity, or reducing the resources required to get things done. Additional opportunities for profit improvement are revealed through detailed analysis of invoices, vendor contracts, cash levels, fee schedules and peer comparisons.

• Unique Expertise - The majority of our staff are former bankers. We understand the sensitivities within the organization and work as partners with your staff to find better ways to operate.
• Revenue Enhancement Opportunities - Our analysis is not limited to expense reduction recommendations.

• Cost Effective - Our history demonstrates that the benefit from the profit/process improvements we identify always exceed the fee for our service, usually by a significant multiple.
• Peace of Mind - Operational tasks within a community financial institution are so customized it is very difficult for senior managers to ascertain if certain areas are performing at peak efficiency. Periodically reviewing operations, using a third party that is sensitive to organizational culture and cohesiveness, can provide management the perspective necessary to make modifications that improves performance.