Fall 2009

In This Issue

Stories

Of Interest

Sterling Bank's Business Confidential is born from our desire to make a difference. In this quarterly newsletter, you will read about neighbors who make an impact - people from your community and the great State of Texas. You will learn about business owners who march to a slightly different drummer and are passionate about their professions.

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Stories

Cruising to Success

"I had absolutely no experience in running a business of this size," reflects JoAnn Boone, CEO of Rio San Antonio Cruises, in a surprisingly direct admission about her taking over the company in 2002. "But from the day I walked in - to today - the best advice I ever got was to hire smart people."

Agility, adaptability, and performance

Distribution sometimes depends on sophisticated logistics companies that have innovated across the entire spectrum of the supply chain.

Customer Service + Lubricant = Apache Oil

When thinking about lubricants, customer service doesn't necessarily come to mind. But Apache Oil has made customer service their strategic edge over competitors.

Of Interest
	Quick Cash: Factoring Receivables In the business world, managing capital is vital to success.....
	Q&A - What Are You Thinking? We recently posted three questions to the Sterling Bank LinkedIn group about advice they have received, advice they would give .....
	A Primer On Treasury Management Services As a business owner, your daily treasury responsibilities include optimizing your .....
	What Your Banker Looks For in Your Financial Statements From a banker's perspective, what I focus on in reviewing a client's financial statements.....
	Wire Transfers Explained Every day, billions of dollars are transferred between bank accounts, businesses, and individuals.....