Masthead: Volume 12 Section Menu North Carolina Banking Institute Journal -About the Journal --Board of Advisors --Center for Banking and Finance -Volumes -The Balance Sheet --How to Submit? --What is Accepted? --Who May Submit? --Recent Articles -Masthead -Subscriptions -Submissions Editorial BoardDaniel Lewis McCulloughEditor-in-ChiefJeremy David FranklinExecutive EditorRobert Frederick JacksonManaging EditorSusan Alexandra WilliamsPublication EditorScott Alan HefnerInstitute EditorArticles and Notes EditorsLandon Sean EustacheJoel Winston MannStuart Michael RigotJeremy Stephen ShraderKristina Marie WillinghamStaff MembersPatrick M. AulMarta Patrilous BrownKristan T. ChengJohn Alexander HeroyJames W. KendallDrew Kyle KifnerAlex Y. LiebermanMeghan F. McClureJason Andrew MillerTravis L. PackerDerrick A. PittsShailika K. ShahChase A. TweelKyle A. Young North Carolina Banking Institute Journal About the JournalVolumesThe Balance SheetMastheadSubscriptionsSubmissions Go to Top of Page