Category Archives: Bob and Mike’s Blog

JP Morgan Chase’s Mysterious $13B Payment

Community bankers could be expected to rejoice at the news of JP Morgan Chase’s agreement to pay $13B in “settlements” to various federal and state agencies. None of this is good news. This strange transaction is another tightening of the toxic embrace between the TBTF banks and the regulatory agencies who sponsor, nurture, regulate and […]

Marinette Economic Summit Speech

What follows is a speech from Bob Atwell, CEO of Nicolet Bank, at an economic summit in Marinette, WI.  This event was founded and hosted by Nicolet Bank. I have been asked to make a few observations about the economic environment in our area.  I was also asked that I avoid any commentary that could […]

The Road to Cyprus

There is plenty of public commentary about the banking crisis in Cyprus; there is far more privately. The public discourse is about debt, deficits, politics and Europe. The private inquiries are more in the nature of, “what does this mean for me, could our government simply place a 20% tax on my bank deposits?” The […]

This is Not Your Father’s Green Bay

I drove by another closed daycare last week. The older I get the easier it is see changes in demography. There is more chatter about demographic trends but I am pretty sure we don’t really grasp what the profound changes of the last decades have baked into our future.  There are some uncomfortable matters that […]

Wisconsin, Economics and Capitalism

The election looms as I write. As you read, it will be past. In the turmoil of these last months I have started many blog posts but completed none. In the environment of intense rhetoric and emotion, it has been hard to express thoughts with clear meaning and the sincere intention of illumination. This week […]

Who’s Afraid of the London Whale?

Regular readers know that I am no fan of the Too Big To Fail (TBTF) institutions. I do have a great deal of respect for Jamie Dimon as an intelligent and savvy operator. He skillfully exploits the ill-defined borderlands of private enterprise and public policy. The London Whale was reportedly an intended hedge on economic […]

Authentic

“Every time we’ve made a decision to do the right thing, it ends up being good business.” – Yvon Chouinard, Patagonia founder. When Patagonia started their Common Threads Initiative, which encourages people to buy less of their product, it caught my attention. I like companies who choose their own path and fly in the face […]

When Left and Right Agree

When President Obama and Rick Santorum agree about something, it gets my attention. They have both announced tax initiatives favoring manufacturing over other economic sectors. This together with their occasional expressions of skepticism about free trade policies have met with dismissive scorn from the guardians of economic orthodoxy. It is easy to chalk this up […]

It’s All Greek To Me

When you owe the bank a little, they own you. When you owe the bank a lot you own them. Every seasoned lender knows the borrower holds the power when both parties understand the bank cannot afford the borrower’s failure. The loan documents still read as if the bank holds the cards, but the Musky […]

Unemployment, Real Estate and Banking

I would rather be hated for what I think than loved for what I do not. I have particularly sought to put this slightly modified maxim into action in recent years. The public is so confused and edgy, that I recently managed to anger people on the right and the left by comments I offered […]

Fraud

Scam Awareness: How to Beat the Sweepstakes, Lottery and Prize Scam

Tuesday, March 21, 2017

You’ve won a new car or a dream vacation or cash—in a contest you never entered! This sounds too good to be true because it’s a scam. This con fools you into thinking you’ve won a prize or lottery jackpot, but you need to pay upfront fees to receive it. No matter how much you [...]

Financial Topics

Viewpoints - August 2017

Monday, July 24, 2017

Latest updates from our friends at Northern Trust. Viewpoints August, 2017

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Business Pulse - Cybersecurity has emerged as a major issue for CEOs

Monday, July 27, 2015

CEOs Express Concern about the Cybersecurity of their Business. Read the full report here. Business Pulse – JUNE 2015 EXECUTIVE SUMMARY CYBERSECURITY  

Nicolet Bankshares, Inc. 2nd Quarter 2015 Earnings Release

Tuesday, July 21, 2015

Nicolet Bankshares, Inc. (OTCQB: NCBS) earnings release for 2nd quarter 2015. 2Q15 Earnings Release

How to Ensure a Good Credit Score

Wednesday, July 8, 2015

First, let’s understand how your credit score is determined. Your credit score is broken down into five categories weighted accordingly: Payment history = 35% Total amount owed = 30% Length of credit history = 15% New credit = 10% Type of credit in use = 10% MAKE YOUR PAYMENTS ON TIME. This is the most [...]

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