The Firm

Originally founded as ProfitManagement by Bob Haynes in 1986, expanded services and territory prompted a name change to Karns Profit Improvement®

We are headquartered in Oklahoma but serve banks in a multi-state area. Owners, CEO’s and other executive managers of financial institutions have seen their profits grow as a result of our PROFIT REVIEWKPI analysis and recommendations. In order to meet the ongoing needs of our clients, we have expanded our services to include our personalized, full-service Vendor Management program created specifically for the financial industry, OPTIMIZEKPI, as well as our IT Contract negotiation services.

If you’re looking for practical ways to improve your core profitability, lower costs and improve risk management, give us a call to see if we are a fit for your financial institution.

Kelly Karns, President

Kelly is a third generation financial services executive who learned the industry from the bottom up. Kelly performed the duties of CFO and COO for 12 of his 20 plus years as a financial institution executive. Directing both retail and wealth management services, he was instrumental in growing a financial institution in San Antonio from 1 to 17 locations through de novo branches and acquisitions.

He has extensive experience in profit improvement from revenue growth, cost control and restructuring. His background also includes loan review, serving on the board of directors and executive experience in trust, investment and insurance activities.

Kelly has a Bachelor of Science in Finance, an MBA and served in the US Marine Corps. He was an honor graduate of the Oklahoma Bankers Association Commercial Lending School and is a Certified Regulatory Vendor Program Manager. Kelly is also a Certified Financial Planner and has held several securities licenses. Kelly serves on the faculty of the Executive Development Institute at the Graduate School of Banking at Colorado. Outside of banking, Kelly served as controller for a publicly traded distribution company and has taught as adjunct faculty for several universities.

Bob Haynes, Founder/Consultant

Before starting Profit Improvement (formerly Profit Management) in 1986, Bob had an accomplished banking career. He served as an Executive Officer over operations at three Tulsa and Oklahoma City Banks. In these roles he was responsible for several successful initiatives to increase revenues, reduce costs and improve efficiencies.

Bob also gained great insights to banking during the challenges of the mid-1980’s banking environment that are benefiting our clients today. In performing reviews of financial institutions for more than 25 years, Bob has gained unique insight and experience regarding vendor pricing and contract negotiation. Bob remains actively involved as a consultant.