In this book, Vincent Boberski teaches community banks how to compete against the big guys in a post-subprime world. He offers advice on portfolio management, balance sheet management, and management of interest rate and credit cycles, among other key topics. Boberski also offers salient counsel on the most essential piece of the banking business: focus on increasing core deposits, the heart of any good local bank, by establishing and encouraging lasting relationships with clients. This is a must-read for community bank executives, directors, investors, and the brokers that work with them