Roxanne provides the motivation and information I have not been provided in 20+ years of banking. You are in for a treat. WOW!

R. Fisher

CEO, Tioga State Bank

...finally a system that transcends commodity....

A.R. McDonnell

CEO, Citizens National Bank

I've attended "bootcamp" THREE times, sent ALL my managers, and in the last year since we've been implementing what we learned, we've experienced more growth than in the previous five years combined! The growth of deposits and loans can only be described as a miracle and profits are up 44%!

Patti Steele

President and CEO, First Volunteer Bank, WINNER 2014 Extraordinary Bank of the Year!

The missing ingredient was ‘how.’ We finally found it…with Roxanne. I’ve attended 24 years of high-performance networks and affiliations. They all have magic formulas and calculations to tell me how much more money I can bring to margins and profit. The missing ingredient was “how.” We finally found an integrated system of both numbers and understanding with Roxanne Emmerich’s system. We have a real program that has translated to high energy and commitment for every single employee. It works!

R. Harmon

Chairman and CEO, Bank of Tennessee

We've grown from $238 million to $368 million…a 54.49 percent increase, net income grew from $2.1 million to $4.1 million…a 95.2% increase, and earning assets grow from $213 million to $332 million—a 55.66 percent increase.

G. Majors

President and CEO, The Hardin County Bank

We’ve moved from 3.3 services per household to 4.3 in 30 months. Loan growth was up $100 million in less than five months during the heart of a recession while we improved loan quality. Return on equity increased from 7.18% to 10.44% in a year. Net interest margin increased from 3.63% to 3.95% in a year with two major building projects factored in. The system works and we follow the system.

J. Marcuccilli

CEO, STAR Financial

Since using the Zerorisk Hiring System our turnover rate has dropped from 40% to below 2% in the past 18 months. Since using the system our organization has experienced a dramatic cut in the number of bad hires, seen greatly improved employee morale, as well as significant decreases in our turnover rate, all of which ultimately impacts the bottom line.

S. Pajak

Vice President of Human Resources, St Charles Bank and Trust Company (IL)

Our relationship with ZERORISK HR has proven to be one of the most important ingredients in our business strategy, which is focused squarely on our people and their development. ZERORISK is the art and science behind that part of our business strategy that is based on improving our people and their ability to be part of a high performance team.

A. McDonnell, Jr.

President & CEO Citizens National Bank

One of the most valuable things The Emmerich Group has taught us is to become disciplined in putting processes and systems in place. When you have a solid system, it makes execution a whole lot easier. We've grown from $180 to $250 million in two years.

D. Blachford

President, Liberty Bank

We grew 21 percent while decreasing FTEs by 11 percent and raising net interest margin 52 basis points since working with you. 100 percent of our new loan customers are referrals from current customers or centers of influence. Not a week goes by when I don't get a call from a client complimenting my staff. I don't even remember it happening before we made this shift. Our top 100 customers are sending business our way, and we're not really having to work hard to get new business. And our lenders don't even try or ask to meet the pricing of the competition. They know they're worth more. A few years ago, they wouldn't have believed they were worth the extra money.

K. Miller

President and CEO, The Farmers Bank

We not only met EVERY goal in ALL our branches, but we exceeded many of our goals by 100 percent! Our entire organization acts like a team! I can’t imagine any CEO who wouldn’t want this.

C. Hoffman

President and CEO, The Richwood Banking Company

Any bank that’s serious about survival needs to have a copy of this on every manager’s desk!

C. Hudson

Executive Director, California Independent Bankers