Crisis Questionnaire

The first lesson in Bill George’s book Seven Lessons for Leading in Crisis, is to face reality. We have found that it’s easy to deny the extent of the problems facing a company. This questionnaire can help you face the reality of a crisis situation. We can help in crisis situations.

                                                                                                Yes     No      Don’t Know

 

1. Our CAMELS rating is 3, 4, or 5.
2. Our regulatory relations are contentious.
3. We expect, or are already operating under, an enforcement action.
4. We are not structurally profitable.
5. Brokered deposits represent more than 20 percent of total deposits.
6. Our classified asset to total capital ratio is more than 75 percent.
7. Our Texas ratio is more than 75.
8. We suspect that low morale and turnover plague our institution.
9. The Board of Directors has formed factions.
10. The Board of Directors has unaddressed concerns about management.
11. We have not been able to effectively implement a strategic plan, and we are unsure of the right direction.
12. The bank has less than 15% balance sheet liquidity.
13. Ethical standards and practices are questionable (for example, some self-serving practices are in evidence).

Scoring

Any “Yes” answer is cause for some remedial action; two or three “Yes” answers put you in crisis territory. Investigate any “Don’t Know” answers. Click here for a description of services we provide to help in crisis situations.

To download a pdf of this questionnaire, click here.