Ceto and Associates Signs 100th Client in 12th FRB District; Consultants Extend Client Base and Reach a Landmark in the Process.

ATLANTA -- Ceto and Associates, a national consulting firm providing revenue enhancement solutions for the financial industry, announced the signing of its 100th client in the 12th Federal Reserve Bank District. This agreement marks a milestone in the 10-year existence of Ceto and Associates, as they steadily increase client base to offer products and services throughout the United States.

FRBSF is in the 12th Federal Reserve Bank District, the largest district, which covers 36 percent of the nation's area. It is home to about 20 percent of the country's population, ranking first in the size of its economy. The asset size is $77.2 billion while operating expenses are $381 million.

Headquartered in Atlanta, Ceto uses a six-step, time-focused, collaborative project approach, called the Revenue Enhancement Program (REP), to improve financial institutions' revenue streams. Through this approach, the company identifies and creates an implementation environment that not only guarantees revenue improvements and efficiency ratios, but also uses a monitoring system to ensure benefits year after year for its clients.

"From our first to 100th, Ceto and Associates treats each institution uniquely because we understand that one solution will not work the same across the board," said Nicholas Ceto, founder and president of Ceto and Associates. "When signing a new contract, we are not entering into a mere relationship, but a partnership. Ceto constantly strives to broaden our client base while exceeding our current clients' expectations."

Ceto and Associates acts as a solutions provider, partnering with the executive management of an institution to find additional sources of revenue. In many cases, a financial institution is already profitable, and working with Ceto gives them access to a credible, experienced third-party who, through examination of the institution, can offer solutions designed to identify areas that had not previously been viewed or targeted as a potential revenue source.

The firm's revenue enhancement programs have been implemented nationwide by more than 700 financial institutions, including 65 of the top 100 largest banks, and typically generates increases of 10 to 15 percent in pre-tax profits.

About Federal Reserve Bank of San Francisco 

The Federal Reserve Bank of San Francisco (FRBSF) is one of 12 regional Federal Reserve Banks across the United States that, together with the Board of Governors in Washington, serves as the nation's central bank. The 12th Federal Reserve District, which includes the nine western states--Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, and Washington--plus American Samoa, Guam, and the Commonwealth of the Northern Mariana Islands. Branch offices are located in Los Angeles, Portland, Ore., Salt Lake City, and Seattle, with a cash-processing center in Phoenix. This does not include the District's island territories. For more information about the Federal Reserve Bank of San Francisco visit their Web site at www.frbsf.org.

About Ceto and Associates

Founded in 1994 as a national consulting firm in the financial industry and headquartered in Atlanta, Ceto and Associates specializes in developing solutions to provide financial institutions the ability to increase profitability through the implementation of revenue enhancement programs. Ceto and Associates places their client's needs in the forefront and designs solutions tailored to their culture, goals and objectives. Ceto and Associates has earned the trust and improved annual revenues of more than 700 financial institutions across 50 states. For more information about Ceto and Associates visit their Web site at www.cetoandassociates.com.