Banking 5 CustomStrategic planning within a community bank is necessary to establish a profitable, organized approach to planning for the future. The goal of strategic planning is to increase profitability through a heightened focus of management and staff towards attaining specific goals. Turner and Associates, Inc. is prepared to assist community banks with their strategic planning process by analyzing their various lending portfolios and reporting our results and conclusions to management. This lending portfolio analysis includes: investigating and reporting on each portfolio's sensitivity, risk quality, industry concentration, and projected charge-offs. The results of our findings provide management the tools to determine the programs and actions required to support the revenue requirements of the strategic plan.