To: buyside123
I've owned CBSH since 1980 and won't be selling. It's been a reasonably good investment but not stellar. The bank is better than most. I've been a customer for many years also mostly because of being a shareholder. I'll have to say I'm not impressed with their customer interface. Capitol Federal is better and in my area and does many times more business than the local CBSH branch does. Commerce bought a local branch and proceeded to lose a big part of the local customers. They do pretty well in spite of themselves. If the management was really good they would be trying to figure out why others can steal their customers instead of being complacent. They probably think that just because they show some modest growth that means they are doing enough. Too bad, but it's typical in banking since for many years their wasn't just a whole lot of strong competition. If I were a young man I think it would be a good opportuinty to start a firm offering consulting services to bank managements because I think they typically have little imagination. WW