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The Staff

W. Timothy Finn

Principle of FMC

W. Timothy Finn, Principal of FMC, has over 30 years experience in several facets of the banking industry. His knowledge of the industry has resulted from his myriad of experience including a small town banker, consultant, an expert witness, and investment banker, to name a few.

During his consulting career, Tim has assisted over 25 Organizer Groups with chartering de novo banks. He has assisted over 100 banks with strategic planning, and been retained by law firms as a banking expert in over 75 litigation engagements. Tim has served as financial adviser to numerous buyers and sellers of banks and branches, and frequently provides stock valuations for financial institutions.

Tim resides at Galway Farms, in Russell County, Kentucky, on the shores of Lake Cumberland. His interests include supporting his alma mater, Centre College as a member of the President’s Council. When not appreciating his countryside office environment, he enjoys the rewards of working on his farm, planting trees, wildlife viewing, as well as fishing Lake Cumberland and the lower Cumberland River.

James P. Kielczewski

Former Chief Operating Officer for FDIC Examination and Supervision of over 1200 state non-member and 1400 national and Federal Reserve Banks in Indiana, Illinois, Michigan, Ohio and Wisconsin. Responsible for all aspects and handling of troubled and failing banks prior to closing. Testified at numerous administrative hearings.

Thomas J. Wochos

Former senior management official for the Chicago Region of FDIC. Directed Examination and Supervision efforts relative to over 1000 state non-member and 1200 national, Federal Reserve member banks and thrifts in Indiana, Illinois, Michigan, Ohio and Wisconsin. Instructed management workshops at FDIC Training Center.

Angela Roberts

Associate Consultant

Angela Roberts

Angela Roberts, Associate Consultant at FMC, has been with the firm since 2008, shortly after FMC moved to Russell County. Among other duties, she manages and publishes the firm’s Bank Performance Reports. Angela has a B.A. degree from Lindsey Wilson College, where she continues work toward an additional degree. Angela resides in Jamestown, Kentucky with her son, a promising baseball star, and daughter, an equally promising softball star.


Articles and Publications

ABA Banking Journal
‟How to Better Use Your Bank’s Resources”
August 1989
ABA Banking Journal
‟Get Rid of Reg Q Remnants”
February 1990
ABA Banking Journal
‟Managing the Margin”
April 1992
American Banker
‟Pricing Strategy ... Keys to Profits at Small Banks”
January 1994
Farm Credit Council -
Financial Services Industry Outlook

‟Trends in Community Banking”
June 1994
American Bankers Association -
Community Bank Tools

“Strategic Planning for Community Banks”
March 1998
“Critical Assessment of Kentucky Credit Unions”
Research Paper for Kentucky Bankers Association
October 2003
“Credit Union Update 2003"
Research Paper for Kentucky Bankers Association
July 2004
Kentucky Banker
“Effective Strategic Planning”
September 2005
State Bank Performance Reports for all banks in
Quarterly since 1999 42 states and savings institutions in the Southeast U.S.
Quarterly since 1999


Code of Ethics

Member KBA and TBA


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