Pub. 5 2015 Issue 2

Young & Associates, Inc. C o n s u l t a n t s t o t h e F i n a n c i a l I n d u s t r y 53 YEARS 1978 - 2015 + John Fahrendorf 602.321.9463 Kyle Curtis 602.903.2975 Implementing Successful Plans for Over 35 years Phoenix, AZ • Kent, OH At Young & Associates, Inc., we focus on proven methodologies for enhancing long-term pro tability, e ective capital utilization, and optimizing shareholder value within the accepted appetite for risk. Our goal is to build the planning process that best meets the needs of your bank and helps you create a vision for the bank’s short and long-term future. • Strategic Planning • Capital Planning • Profit Planning • Budgeting • Liquidity Planning • Succession Planning • Human Capital Thank you, Jan Arredondo, for 18 outstanding years at the AzBA! We will miss you as you retire to spend more time with friends and family! 12 www.azbankers.org