?Banking should not be exciting,? said Clay W. Ewing, president of retail financial services at German American Bancorp, a community bank in Jasper[, Indiana]. ?If banking gets exciting, there is something wrong with it.?
On the downside:
"At DeMotte [a small Indiana bank], Mr. Goetz is bracing for a steep increase in a crucial overhead cost: the bill from the Federal Deposit Insurance Corporation, which is basically an insurance fund underwritten by banks.Last year, DeMotte paid $42,000 into the fund. This year, because of failures in other parts of the country and particularly among national banks, that sum will rise to $500,000 or more."
No judgment; just one of those "put it up on the shelf, take it down when you need it" reference points.