KENNETH J. THYGERSON is Professor of Finance at California State University, San Bernadino and a principal in the consulting firm, KTV Associates. Dr. Thygerson, a scholar, businessman, consultant to business and government, and political advisor, has authored over 50 articles and half a dozen books including Controlling Corporate Legal Costs: Using Negotiation and Alternative Dispute Resolution Techniques for Executives (Quorum, 1994).

• The Changing Competitive Environment Facing Depositories Why New Product-Line Performance Measures Are Needed Unbundling the Functions of Financial Depositories The Basics of Product-Line Performance Measurement Traditional Measures of Depository Performance: Strengths and Weaknesses Noninterest Income Sources (Origination, Servicing, and Brokerage Revenue) Product-Line Performance Appraisal Systems Measuring Retail Depository Branch Performance Measuring Performance of Loan Origination Offices Managing the Performance Measure Implementation Process Measuring Performance of Local Promotion and Advertising Programs Cost Cutting with Product-Line Systems Selected Bibliography

KENNETH J. THYGERSON is Professor of Finance at California State University, San Bernadino and a principal in the consulting firm, KTV Associates. Dr. Thygerson, a scholar, businessman, consultant to business and government, and political advisor, has authored over 50 articles and half a dozen books including Controlling Corporate Legal Costs: Using Negotiation and Alternative Dispute Resolution Techniques for Executives (Quorum, 1994).

• The Changing Competitive Environment Facing Depositories Why New Product-Line Performance Measures Are Needed Unbundling the Functions of Financial Depositories The Basics of Product-Line Performance Measurement Traditional Measures of Depository Performance: Strengths and Weaknesses Noninterest Income Sources (Origination, Servicing, and Brokerage Revenue) Product-Line Performance Appraisal Systems Measuring Retail Depository Branch Performance Measuring Performance of Loan Origination Offices Managing the Performance Measure Implementation Process Measuring Performance of Local Promotion and Advertising Programs Cost Cutting with Product-Line Systems Selected Bibliography