MCoUSA INTERNATIONAL INC.
Profit Enhancement Specialists - Helping Bank CEOs Build Sustainable Profits
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BENEFITS RECEIVED

"Citizens State Bank, Somerville has used MCoUSA on several major overhauls to both better serve our customers and increase our profitability. We have been very pleased with the outcome and the ongoing advice we have been able to obtain after the projects. Thanks Jim for a job well done."
 
Ben Flencher
 
 
There are many variables in the ultimate determination of the financial benefit a client will receive as a result of the MCoUSA Project, such as:
Adequacy of Capital
Current Profitability
Five-Year History/Trend
Privately held or Public Ownership
Composition of Board
Attitude Towards Change
Mission Statement
Strategic Plan
Internal Policies & Procedures
Turn-Over Ratio of Officers and Employees
Number & Types of Competition
Number of Transaction Accounts
Number of Loan Accounts
Low or High Transaction Volumes
Number & Location of Branches
Regulatory Environment
Concentration & Diversification of Assets
Classified, Impaired Non-Performing Assets
Local Economy & The Weather
National & World Economic Influences

Ultimately, your bank only implements those ideas that management is comfortable with.

 

The success is in the level of acceptance for what fits your circumstances and management style and market.

 

On average, projects typically present new ideas (hard-dollar, tangible benefit) of between $200,000 and $500,000 per year (repeating each year) per $200 million of assets.