JCSmith Advisors adds value for regional banks and large community banks and institutional investors by serving as a Senior Advisor to client companies. Jim Smith is well suited to provide advice to bank boards and CEOs, having walked in their shoes for over thirty years. CEO succession planning is a primary strength.

Expertise provided by JCSmith Advisors assists clients in the areas of:

• Strategic Consulting Broadly

• Making and Supporting Sound Strategic Choices

• Participation, positioning, organizational, and risk choices

• Setting Performance Objectives

• Risk Weighted Capital Allocations

• Achieving a Robust, Efficient Capital Stack that Boosts Return on Equity

• Succession Planning

• Achieving Effective Board Governance

• Marketing and Communications

JCSmith Advisors is founded on the principle that banks should develop and implement a strategic management framework that guides the allocation of capital and resources in support of their differentiated strategies. Banks can maximize their value to all stakeholders by pursuing high performance, achieved by investing in growth in chosen customer segments, earning high customer satisfaction levels, and increasing economic profit (defined as earnings in excess of the cost of capital).

Strategic choices and capital allocation should be guided by the relative risk-weighted returns of a bank’s business units, as should executive compensation, with a disproportionate share of capital and other resources allocated predominantly to high return businesses. Participation, positioning, risk and organizational choices should be made with the goal of achieving each institution’s performance objectives.