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Banc Investment Daily Archives

August, 2017

August 17, 2017  -  Monstrous Hiring Hints

The police across the country not only protect us all as citizens, but they also do some pretty nice things above and beyond the call of duty, from time to time. We loved hearing the story about a 4Y old little girl whose family had just moved into a new house in CO. The family went to a community event and at that event the young girl approached a police officer. She told the officer she was worried there could be monsters in the new house and she asked the officer to come and check to be sure. The police...

August 16, 2017  -  Executive Management Road Tour (SF) - Day 2

While the fog was still trying to lift in San Francisco, the 2nd day of the Executive Management Road Tour kicked off. Finance and risk were the first topics on the agenda. Here we discussed the results of a PCBB survey of community bank CFOs and Risk Management Officers that brought to light the main concerns and areas of strategic focus. The top four concerns for CFOs were 1) new technology 2) required compliance 3) acquiring new customers and 4) remaining competitive. Showing proactive planning for the latter two concerns, many bankers in the room raised their hands when asked...

August 15, 2017  -  Executive Management Road Tour (SF) - Day 1

Today and tomorrow, we bring you some reflections and insights from our Executive Management Road Tour held in San Francisco, co-sponsored by a leading accounting firm, RSM. This year we decided to bring in another market-leader in their industry, RSM Accounting Firm as a co-sponsor, to share their expertise as well. The theme of the conference was overcoming today's challenges and capitalizing on tomorrow's opportunities. Our 17th annual community banking event brought in nearby bankers from CA, WA, AZ, CO and NV. It also brought in bankers from as far away as AK, ND, NE, AL, TX, IA,...

August 14, 2017  -  Screaming About Customized Marketing

Google has reportedly reached yet another milestone in its digital dominance. It has reportedly found that its artificial intelligence (AI) robots are now more accurate at identifying and blocking extremist videos online than humans. Its AI identified 75% of offensive videos before users reported them. That is amazing, but it also makes you wonder where all of this digital expansion and customization is ultimately heading perhaps. On the topic of more quickly knowing things about customers who interact with your bank perhaps, technology is making leaps and bounds there too. After all, it is no surprise that brochures and print ads...

August 11, 2017  -  Universal Digital Identity - Pushing The Envelope

Identity theft is ugly. In fact, Javelin Strategy & Research finds in their 2017 Identity Fraud Survey that there were 15.4mm US fraud victims alone, resulting in $16B in losses. Meanwhile, card not present fraud jumped 40% over the prior year. This isn't surprising when you consider yet another survey by OnePoll. It found 71% of respondents write down their user names and passwords, 52% know at least one other person's PIN, 40% say at least 1 person knows their user name and password, 25% have never changed their PIN and 10% say they have given a bank card and...

August 10, 2017  -  Lessons From An Online Audit

Statistics show the IRS audited about 0.70% of returns filed for the year of 2016. Of course, that is the average and the percentages begin to soar the more you make to almost 20% at the highest compensation levels. For its part, PwC says the purpose of a financial audit for a company is to form a view on whether the information presented in the financial report, taken as a whole, reflects the financial position of the organization at a given date. Among things auditors do not do is they do not check every figure in the financial report; judge...

August 09, 2017  -  Education And Support For Cyber

Since bankers are in the money business, you may find it interesting that researchers at Utah State University found students who completed a basic financial education course were more responsible with their money. After just one course, this group outperformed those who did not take the course by having more self-control and an improved risk tolerance than those who did not take the course. Now you can brag about how much of an impact being a banker can have on improving society as a whole! As with having financial savvy, understanding more about the world of cybersecurity is also important these...

August 08, 2017  -  Walk The Talk - The Bank's Purpose

Prevention highlights some key benefits people can get from walking just 30 minutes per day. They include such things as: a better mood, improved creativity, increased metabolism, a 20% to 40% reduced chance of stroke, a 30% lower risk of cardiovascular disease, fewer varicose veins as you age, a better digestive system and better focus on goals. We will be back to finish this discussion in a moment, but first we are heading out for a 30 minute walk around the block. Ahh...back at the desk again. As seen above, the value of walking is clear but what about the value...

August 07, 2017  -  Looking Below The Surface Of 3D Printing

Did you see the news that researchers now believe there could be a whole lot of water sitting under the surface of the dry, old, crusty moon? It seems researchers from Brown University have been able to detect water molecules using pictures of the moon's surface and reflecting light somehow. The bottom line is that if this is true, we could live there, have oxygen to breathe, water to drink, water for growing food and hydrogen for creating rocket fuel to come and go. It sure is interesting how things around us can change so quickly just by taking a...

August 04, 2017  -  Big Data More Accessible For Community Banks

Bankers know the value of the data they hold, but one key issue revolves around the best way to clean and access it all. Consider research from International Data Corporation (IDC) that projects worldwide revenues for big data and business analytics will soar to around $151B this year (+12% vs. 2016). According to IDC, banking is one of five industries making the largest investments in 2017 in big data and business analytics so it is the subject of our discussion today. Big data, which includes not only data gathering and analytics but also human behavior patterning and complex risk...

August 03, 2017  -  USAA And Mobile Check Deposits

Almost all US banking institutions offer remote deposit capture (RDC). That makes sense when you consider a recent remotedepositcapture.com survey of financial institution executives. It found 76% of respondents say the benefits of RDC "far outweigh" the risks and costs and another 20% say the benefits "marginally" did so. That is pretty good for any product and bodes well for RDC too - despite much higher BSA and AML costs over the years. Most banks know they have USAA to thank for being able to offer customers the ability to deposit checks remotely. You see, over a decade ago USAA employees...

August 02, 2017  -  Closing The Online "Deal" With Your Customers

Deloitte did some work recently that looked at shifting consumer behavior when it comes to food and shopping. It found the top attributes surveyed consumers ranked in importance around food safety were: free of harmful elements (62%), clear and accurate labeling (51%), clear information (47%), fewer ingredients (42%) and nutritional content (41%). In food as with other shopping activities, this tilts toward a trend of greater buyer control, a desire for better information and a driving focus on what matters to the individual, it would seem. When it comes to online shopping, research shows consumers will often "abandon" the process in...

August 01, 2017  -  Security In Mobile Bank Apps & TLS

A study by PwC finds 62% of companies surveyed expect cyber risk to cause disruption in the next 3Ys but only 9% say they have a high or very high cyber risk maturity. Clearly the data shows there is room to improve in this area and community banks are aggressively taking steps to do so as well. Cybersecurity is often in the news. However, one of the latest issues to arise is somewhat new and concerns mobile banking apps. Cybersecurity experts have discovered vulnerabilities with the implementation of encryption connecting mobile phone apps to bank servers. This is concerning indeed as...

July, 2017

07/31/2017  -  Managing Risk Around Governance & Compliance

Good news - the IRS reports fewer taxpayers reported identity theft in the first 5 months of this year (107k) than in 2016 (204k) and 2015 (297k). It seems better risk management techniques that include: improved coordination between the IRS and private sector tax preparers, better technology filters, limiting the number of refunds that can be send to a single bank, and other factors have all helped reduce this risk over time. Bankers know all about risk management and new governance, risk and compliance (GRC) changes are coming down the pipe in the next 12 months or so. That means community

07/28/2017  -  Taking A Comprehensive View Of Strategy

Have you heard there are now inexpensive cameras that provide a 360 degree view? That's right - you can now pan around an image from the sky to the ground and all points around. Imagine the possibilities - monitoring construction sites to track completion in real time, viewing all areas of the vault, training, product marketing and a host of other applications. The cost of these cameras has come down to only $500 bucks, so look for more amazing videos coming soon with a 360 degree viewpoint. Technology keeps advancing and according to Accenture's "Banking Technology Vision 2017" report,

07/27/2017  -  Former Employees - Potential Risk

We found out recently about a scam involving certain food delivery companies and restaurants. It seems some food delivery companies said they offered food from restaurant X, but when ordered online an entirely different restaurant Z was actually cooking the food for the delivery firm. Obviously this situation means you need to be careful about what you order, from whom you order it and also who delivers it, to be sure you are indeed getting what you want. There are lots of risky things in life to be sure and one that bankers don't always think about relates to previous

07/26/2017  -  Fraud Prevention And Customer Service Balance

LexisNexis research on fraud finds merchants believe the following: reducing fraud can help increase my company's sales (48%), lower fraud rates increase customer loyalty (44%) and they believe it costs too much to control fraud (20%). Clearly this data points to both the opportunity and risk of fraud and its ancillary drivers for both customers of banks and banks themselves. As banks step up anti-fraud defenses, research suggests it may come at the expense of customer loyalty. In the zeal to verify transaction data like identities, banks can wind up annoying the very customers they are trying to protect. Verification processes and

07/25/2017  -  Banking Industry Change Recognition

Facial recognition has made some huge strides in recent years. In fact, MIT reports face detecting systems have jumped in China and are used to provide access to facilities, track down criminals, track movement within a building, transfer money and a host of other things. It won't be long until this technology sweeps the world as it can provide increased accuracy in recognizing people and in speeding transactional flows. This technology and many others are key reasons why community banks must keep moving forward with their plans to grow and evolve. This is despite unprecedented levels of change in recent

07/24/2017  -  Retribution Hacking Isn't A Video Game

Research by Princeton and the University of Chicago finds men ages 21 to 30 spend much less time working and much more time playing video games than men 31 to 55. The data finds hours worked for the younger group fell 12% from 2000 to 2015, while it declined 8% for the older cohort. The study also found those who stopped working average 520 hours per year on the computer and 60% of that time is spent playing video games. Speaking of things people do related to computers, in 2015 Juniper Research estimated that cybercrime would cost businesses $2.1T globally by

07/21/2017  -  Good vs. Evil & Multi-Layered Biometrics

We searched Google for the word "good" and got back 6.8B results. We then repeated the process for the word "evil" and got back only 609mm results. We were quite pleased to see that Google's algorithms are so smart that good wins out in the battle vs. evil. As with all things in life where this battle is occurring, good bank technology teams have also been fighting to beat back the evil doers out there in the cyber world. In this fight, some are turning to the field of biometrics. Today, most banks safeguard customers' sensitive data with passwords, but a

07/20/2017  -  Bagging Your Content Marketing

A Visa survey finds the average person spends $2,746 per year on lunch. It seems people eat out about 2x per week on average at a price of $11.14 per meal. That leaves packed lunches or meals at home for the rest of it at an average of about $6.30 per meal. For those keeping score, the data shows it costs about 43% less to eat at home or brown bag it than to eat out. That said, what's the fun in that? As you ponder where you may get your lunch today, we give you something else to think

07/19/2017  -  Working Longer And Robotic Advisors

It used to be that when you hit 65Ys old you could retire and feel pretty comfortable where you were. These days though, research by the Bureau of Labor Statistics (BLS) finds people are working longer. The BLS found that as of the end of last year about 18% of the workforce was age 70 to 74 and another 8% were age 75 or older. Reasons vary, but one certainly has to do with wealth management. When it comes to wealth management, fee-based income has been an important focus for banks over the past 10Ys. One way to do so is

07/18/2017  -  Rest Is Difficult When Fighting Off Competition

Whether you are going on vacation or have already been on one, we find a recent survey reported by CNBC from LearnVest interesting. It found 66% of Americans say they spend more on a 1 week vacation than they do on a month's rent or mortgage and that they typically pile up $1,108 in debt doing so. That means it takes the average person 6 months to get back to where they were before going on vacation. Ah well, bankers are under so much stress we hope you are spending more and staying longer to recharge. Unlike the rest and

07/17/2017  -  The Annoyance Of Memory Based Hacking

A recent article by Concur identified the biggest job related annoyances that have surfaced in the past 20Ys or so. They include: smartphone sounds, unnecessarily replying to all in an email, having awkward web conference calls, over sharing links, pressuring co-workers to share your creations with their personal networks, sending emails to colleagues on the weekends, slow computers, sharing critical information verbally instead of through email or otherwise documenting it, connection requests on social media from co-workers and old technology solutions. In banking there are many other annoyances beyond bad employee habits and one of the spookiest relates to cyber

07/14/2017  -  Less Gas Around FASB & PBEs

In a twist that is certainly giving Exxon and other gas and oil companies' gas, France announced it plans to end sales of gas and diesel cars by 2040. Of note, France's goal is well behind Norway (2025) and India (2030), but is nonetheless a big move toward ending fossil fuel usage it would seem. It looks like electricity will be all the rage in the next 10Y to 25Ys or so. In similar fashion, sometimes new accounting rules can also give community bankers indigestion. It therefore comes as a pleasant surprise that a new interpretation of a FASB rule could

07/13/2017  -  Keeping Your Eyes Open To API

Keep your eyes open around the bank. We say this because a new American Express OPEN survey finds 18% of employees say they have stolen someone else's lunch from the office refrigerator. This is certainly a sad state of affairs, so let's hope the next time you open the fridge this hasn't happened to your lunch. Speaking of open things, today we zero in on recent UK and EU legislative developments focused on making "open banking" a reality in these markets in 2018 (and then probably the US). Starting next year, European banks must facilitate access to account information through

07/12/2017  -  Community Banks Hit The Market In 1Q17

Good news for all of those coffee drinkers out there. New research published in the Annals of Internal Medicine finds a direct correlation between coffee drinking and a reduced risk of heart disease, stroke and liver disease. A 16Y study found men who drank 3 or more cups of coffee per day lower their risk of death by 18%, while women saw an 8% decline. Drink up! In other good news, 1Q17 was a good time for community banks too, according to the FDIC's Q1 report on how 5,401 community banks are faring. In many categories, community banks outperformed

07/11/2017  -  Sibling Fights And C&I Lending For Growth

Here's a weird thing - kids fight about all kinds of things, but money isn't one of the biggies. In fact, a CNBC report finds only about 15% of adult siblings say they fight about money. Of note, for the group that does fight about money, the survey found 68% said parents were the cause (how they provide financial support, divide inheritance and other factors). We figured as a banker you would like to know what your customers are doing, so we share this today. Speaking of sharing things you might want to know about, we switch our topic to

07/10/2017  -  Small Things Can Have A Big Payoff

Really small things can sometimes really help humans. Look no further than a discovery made by the University of Southampton. There, researchers found nanostructured glass can be used to record and retrieve data. These small glass disks about the size of a quarter can hold 360 terabytes of data. Also, this storage device can handle heat up to 1,000?C without an issue. Basically, the research indicates companies should be able to store and save their data at room temperature for about 13.8B years. That is a really long time obviously, so this finding provides a greater possibility in solving the

07/07/2017  -  Exploring The World Of Untapped Borrowers

For eons, people have stared up at the night skies and wondered when or if we might travel to a habitable planet. Roll forward to this year and astronomers report finding just that. Even better, this planet known as Proxima Centauri or Proxima b is only 4.24 light years away. It orbits the closest star to the sun, is about the size of the Earth and it may have water. This discovery is pretty interesting if you ask us. In another interesting thing more directly related to community banking, we focus our energies today with some methods and madness around finding

07/06/2017  -  Going Molecular To Solve A Big Problem

In a great news story, scientific researchers at London's Royal Marsden Hospital have reportedly been able to dramatically shrink tumors related to ovarian cancer. A reported 70% of patients with a specific molecular target responded positively to the drug. Scientists are calling this the biggest breakthrough in ovarian cancer in a decade and that is good news indeed. In banking, technology experts have been seeking good news when it comes to defending against security breaches. According to Identity Theft Research Center, last year saw a 40% increase in reported data breaches, including the largest in history affecting a

07/05/2017  -  Experiment Leads To Finding

While searching for a cure to cancer, scientists this year uncovered the cells that make hair and also turn it grey. That is good news for those who have gone bald and want to grow their hair back and for those seeking to look younger. Scientists say the breakthrough could one day solve both issues. On a similar front, bankers everywhere have been researching how best to leverage their branch network and the staff therein. While not as fancy perhaps as growing hair or staying young, we know many bankers out there that would have more of both if

07/03/2017  -  Sleeping Soundly Around Password Risk

A new study by Penn State researchers finds the sooner babies are put in their own room the longer they will sleep. That's right, babies that didn't sleep in the same bedroom as their parents slept for longer stretches of time (about 45 minutes longer). The information runs counter to recommendations of the American Academy of Pediatrics, who say parents should share a room (but not a bed) with babies for 6 months to 1Y. It is something to think about perhaps but be sure to check with your pediatrician to get professional advice. In banking, the professionals say many

June, 2017

06/30/2017  -  Cleaning Up The Loan Portfolio

We have to say one of the grossest jobs is probably being a restroom attendant. After all, bathrooms generally stink and people can be strange. In addition to that, research by Michigan State University finds only 5% of people properly wash their hands long enough to kill infection-causing germs and bacteria. That is just gross, so to improve you need to wet your hands with clean running water, apply soap, rub them together to get lather, wash front and back of hands as well as between fingers and under the nails. Do this for a full 20 seconds (singing the

06/29/2017  -  Cleaning Up In Between Benefits

Every time we go into the dentist it seems a lecture happens about how you should floss your teeth more. That makes sense when you consider a survey by National Health and Nutrition Examination that finds 30% of people floss daily, 37% do so sometimes and 32% say they never floss. The American Dental Association meanwhile, says those who floss daily are probably actually closer to only about 10%. This makes you want to grab some floss and run to the bathroom, or then again, maybe it doesn't. Now that you know a bit more about what your employees are

06/28/2017  -  Intelligent Emergency Succession Planning

Really smart people are known as geniuses, but that term isn't strictly defined. It generally means someone with an intelligence quotient (IQ) score of 175 or higher. Given how the math works around such scores, about 67% of the population has a score between 85 and 115, while about 5% of the population scores above 125 and 5% below 75. To get into the high IQ society of Mensa you have to score at the 98th percentile or higher on the test. This brings us to our discussion today around some of the things the smartest banks will do related

06/27/2017  -  Becoming An ERM Expert

They say that if you want to become the best at something you have to do it 10,000 times. Maybe that is why so many people do not achieve their goals. In fact, research by the University of Scranton finds 92% of people that set New Year's goals never achieve them at all. To get where you want to go, perhaps it is time to leverage findings from researchers Edwin Locke and Gary Latham. They found people who simply set specific goals that were challenging, achieved higher performance about 90% of the time. Community banks for years have expressed a goal

06/26/2017  -  Searching For Online Bill Pay

Research by HubSpot finds 81% of shoppers will do online research before making big purchases. Interestingly, 44% of people reportedly go to Amazon to start looking around, while 34% will use a search engine like Google. No matter what you are looking for, it is clear the search engine remains a critical part of the overall process. In banking, customers will often search around trying to figure out who has the best online bill pay options. That makes sense when you consider that online bill pay is one of the most popular features of online banking. In fact, when

06/23/2017  -  Tightening Your Underwriting - Selectively

Bankers and other financial professionals know people are just plain weird with their money. Look no further than a report from BMO Wealth Management around the subject of estate planning. It found a whopping 72% of adults said they did not know any details of their parents' wills or estate distribution plans. In addition to this, 40% of parents surveyed said they have never discussed their estate intentions with their children. As if that weren't enough to think about, consider 25% of married adults said only their spouse knows the location of their will or powers of attorney.

06/22/2017  -  Smart Mobile Onboarding

The first smartphone showed up in 1994 and was known as Simon. It was upgraded in 2000 when Ericsson released the first flip phone style called the R380. Then, along came the Palm Treo (2002), Blackberry (2003), the category killer iPhone (2007) and the Samsung Galaxy (2010). Fast forward to today where the latest research shows 77% of people in the US now own a smartphone. Mobile banking too has become standard procedure in all corners of America, yet signing up for a new account on smartphones is still uncommon. According to a 2017 Javelin survey of the

06/21/2017  -  Assisting Customers While Assisting Your Bank

A Wells Fargo/Gallup poll of US adults finds 32% are providing assistance to an adult child, parent or both. Of this group, 75% were doing so to assist an adult child, 19% were helping a parent and 6% were assisting both. In addition, the survey found 46% of respondents overall, who have one or more grown children, said they were providing them with financial support. This could provide an opportunity for your community bank so we thought you might want to know. Another thing to know this morning relates to wire transfer fraud. On this front, the FBI warns

06/20/2017  -  Community Bank Traits Investors Are Seeking

An interesting research paper published by the International Journal of Multidisciplinary Research looked at the impact of different personalities of managers on employee performance. It found there are six main types of managers that people work for: respected professional (task driven, honest, reliable at 29%; caring mentor (cheerful, generous, flexible at 26%); win-at-any-cost (tough, controlling, ruthless at 19%); taskmaster (get the job done but without much concern for employees at 10%); likeable loser (nice person but not competent at 9%); and the glad-hander (friendlier than win-at-any-cost but similarly, considered dishonest, unreliable, clueless and uncaring). To make a big difference at

06/19/2017  -  The Psychology Of Branch Importance

An Australian study of US corporate executives finds about 20% has psychopathic traits. These traits include such things as: exploiting, manipulating or violating the rights of others; lacking concern, regret or remorse about other people's distress; behaving irresponsibly and showing disregard for normal social behavior; being unable to control their anger; lacking guilt; not learning from mistakes; and blaming others for problems in their lives. These managers typically create chaos around them, can be toxic to other employees, and will engage in unethical and even illegal practices. The good news is that given the data, that means around

06/16/2017  -  Learning About IoT - An Update & Literacy Check

A study by the Organization for Economic Cooperation & Development looked at the financial literacy of teenagers. It found that while a good 56% of them have a bank account, 67% did not have the skills to manage it or interpret a bank statement. Further, only 12% scored out with a high financial literacy. Kids are good at many things (technology for instance), but clearly there is more work to be done on the financial side so bankers can get a quality future crop of new employees down the road. Well, at least we have a starting benchmark

06/15/2017  -  Taking Vacation And Preparing For CECL

Research finds about 91% of full time equivalent employees get paid vacation. That is great because everyone needs to wind down and relax now and again. That said, a survey by Glassdoor finds the average worker only takes about 54% of the vacation days they are offered each year. Reasons for this vary, but include a fear of getting too far behind on work (34%), believing no one else at the company can do the work while they are gone (30%), being completely dedicated to the company (22%) and feeling they can never be disconnected (21%). Vacation time

06/14/2017  -  Risk Tolerance/Capacity of Third Party Providers

We found an interesting survey from financial technology and investment analytics firm FinMason. It looked at the risk tolerance of investor equity portfolios. What is particularly interesting here is that a whopping 43% of investors said they did not understand the term risk tolerance. Even worse perhaps, 68% of millennials did not know their risk tolerance. This means many of your customers probably do not understand the impact of a market crash on them either. To help, we point out that risk tolerance is all about understanding someone's psychological threshold, while risk capacity is all about how much the person

06/13/2017  -  Driving Changes in Risk Management

Back in the day, people sometimes referred to older cars with such terms as clunker, rattletrap, junker, bucket of bolts, or old jalopy. These days, we find it interesting that an IHS study finds the average length of time people own their car has reached a record 79.3 months or almost 7Ys. That makes some sense when you consider how tight people got with their money following the crisis and the fact that the average price of a new car is now $34,342 according to Kelley Blue Book. When you drive around in a car that is that old, you

06/12/2017  -  Taxation and Representation for Community Banks

If you have wondered why politics is so crazy these days, consider an ICBA report that finds there are about 30 lobbyists for every 1 legislator. To visualize this, take a look out the door of your office or stretch out from your desk that is 30 people deep. Then, think about how you would deal with those people when they file in 1 by 1, asking you to do something to help them. Perhaps, all of these voices jockeying for time and providing singularly focused input could be a key reason Congress seems to move so slowly. Let's hope

06/09/2017  -  Disruption & Evolution Continue

A CNBC survey of Disruptor 50 founders and CEOs finds just over 56% of respondents said 11% to 25% of America's workforce will be replaced by machines or software in the next 10Ys. Also of interest perhaps, some 68% of the visionaries who responded said artificial intelligence is critically or very important to their businesses. As the survey points out, community bankers too should be thinking constantly about the future and in particular - where risks and opportunity may lie ahead for you. Almost 50Ys ago, machines began their takeover of banking when ATMs came on the scene. Today, new changes

06/08/2017  -  Parent Banks And Taking Care Of Business

We found a report by real estate research firm ATTOM Data Solutions on home ownership quite interesting. It found the percentage of non-married people who got mortgages together climbed from 20% last year to 22% this year. That was one of the highlights, but digging deeper into the data what jumps out is that many "unmarried" co-signers (or co-borrowers) were the parents of children who bought homes. Perhaps this is due to heavy student loan debt or just really nice parents, but it appears a decent chunk of home buying is being subsidized by parents. As you let that sink in

06/07/2017  -  Outside The Box

A Gallup poll on telecommuting produced some interesting thoughts. Given all the talk as of late around various companies ending this practice to drive more productivity, we took a close look at the poll. It found that 37% of US workers said they have telecommuted, while 63% have not. Of those who have done so, the number of workdays the group said they typically telecommute is 1 to 2 days (23%), 3 to 5 days (22%), 6 to 10 days (6%) and more than 10 days (24%). Further, 46% of those who telecommute said they did so after regular business

06/06/2017  -  Driving Away Synthetic Fraud

Goldman Sachs research projects that by 2030 fully autonomous (self-driving) car sales will be 20% of total sales. Once that level is reached, an estimated 25,000 job losses per month will occur for truck drivers. If this holds true, it looks like quite a few people won't be driving themselves around in the US and that taxi, limousine, and other car services could feel a significant impact too. This will be a big change for sure, so it is good bankers have an estimated 8Ys to 13Ys to figure it all out. As you ponder the impact of driverless cars on

06/05/2017  -  Community Banks Protecting Data

Here is something to know. The ABA reports 76% of banks say social media is important to their institution. Yet, only 24% of banks have been using social media for >5Ys, 63% have been doing so for <5Ys, 5% are planning to start in the next 1 to 2Ys and 9% say they have no plans to use it at all. Not sure where your bank falls, but leveraging social channels can help protect your customers from being poached so it sure seems like a good idea. The idea of protection of all sorts is all over the banking industry. For

06/02/2017  -  R-E-S-P-E-C-T

The banking business requires that bankers and regulators have a high degree of respect for each other. Community bankers especially try to foster good regulatory relationships, and exam teams often find bank management eager to incorporate ideas, observations and improvements from exams. To help in this area, we note OCC research, as reported by the ABA, finds the top 5 Matters Requiring Attention (MRAs) in the prior year were: easing of underwriting standards (easing standards to achieve growth); loan portfolio composition (CRE concentrations, commodities exposures, new products); staffing concerns; credit culture (weak cultures ease underwriting, offer new products without proper

06/01/2017  -  Re-envisioned Branches

Vision is an interesting thing. For instance, did you know that according to the Vision Council of America, about 75% of adults use some form of vision correction? About 64% wear glasses and 11% wear contact lenses exclusively or with glasses. Meanwhile, research by the National Eye Institute finds the top three most prevalent adult vision impairments and age related eye diseases in America are: cataracts (24.4mm), diabetic retinopathy (7.7mm), glaucoma (2.7mm) and age related macular degeneration (2.1mm). There are certainly lots of things to think about when it comes to vision. In the community banking world, many management teams we

May, 2017

05/31/2017  -  Feeling The Squeeze In Banking

Community bankers have been crushed by regulations since the credit crisis began. This pressure has been so intense it has some thinking the pressure is about the same as what it takes to turn a chunk of coal into a diamond. While we know some of the banker scientists out there will say that isn't how it works, you get the point. The industry has been squeezed all over the place in the past few years. Low interest rates squeezed margins. Regulatory and compliance requirements squeezed profits and now many community banks are being squeezed by the aging and retirement

05/30/2017  -  Challenging Interviews For Better Employees

Kissmetrics finds there are four key elements that lead to a good company culture. Since community banks are always seeking to improve, we offer these up as something to consider. The elements are: hiring people who fit your culture, make sure employees know the values and mission of the company, understand that good decisions can come from anywhere in the company, and realize the company is really a team and not a bunch of individuals. As you think about your own bank's culture this morning, we broaden our discussion to focus in on the way some top companies conduct job

05/26/2017  -  Great Business Service Needed

Dealing with customers is always tricky. The more information people have the more they seem to demand from bankers. Look no further than research from Thunderhead that finds 30% of people will share a bad experience they have with a company and 19% will not trust a company after a single bad experience. That is a lot of pressure. In the banking industry it seems everything is going digital, so the pressure to deliver a high quality experience and great customer service no matter the channel is critical. When it comes to consumers and mobile banking, studies show that mobile banking

05/25/2017  -  Email Usage And Millennial Banking

You may not be keeping track, but research by Email Monday finds 79% of people surveyed use their smartphone for reading email. Perhaps more interesting is that if the trends hold, sometime next year an estimated 80% of email users will access their email accounts exclusively from their mobile devices. It looks like if you want to communicate with someone using email you will have to make it fit into something pretty small. A study by Harris Poll finds just over 50% of millennials say they are familiar with their local community banks. That is ok maybe, but it pales

05/24/2017  -  Keeping Up With The Flow Of Email And CRE Risk

Did you know that the latest research from Gallup finds 91% of workers who email outside of work say the amount is reasonable? That's right - employees and executives alike understand and accept that email is part of life now and emailing after work does not affect their well-being. That is good since 60% of workers say they check email outside of normal business hours. As you ponder that this morning, consider that in the banking industry regulators seem to be checking bank data outside of regular work - particularly when it comes to concern over commercial real estate (CRE)

05/23/2017  -  Digital Cash = More Cyber Criminals

About 25% of Americans say they now conduct most of their transactions in cash vs. 36% who said so 5Ys ago, according to Gallup research. Interestingly, while 10% say they make all of their purchases with cash (vs. 19% 5Ys ago), about 41% say they make some of their purchases with cash (vs. 33% 5Ys ago). People are adjusting their cash usage it would seem as demographics take hold and people shift toward electronic payment methods over time. For some crooks, all of this electronic money movement is a dream, and community banks like other banks are still juicy targets. Banks

05/22/2017  -  Faster Business Speed

The world has definitely changed over the past few years as things have really accelerated. Look no further than research by Forbes Insights that finds 82% of customers will conduct product research online. Once that work is completed, 75% of these same people according to research by McKinsey expect "now" service within 5 minutes of making contact online. This is the world we live in; speed in all things is now a way of life it would appear. In banking, small business owners also want speed and great service when they are looking for a loan. This group also has higher

05/19/2017  -  Of Growth And Efficiency

We found it interesting that Amazon guru Jeff Bezos is now reportedly worth just over $60B. That makes him about $5B shy of becoming the richest man in the world according to Bloomberg. As if that weren't enough to make your head spin, consider that Amazon itself has grown so much that its market capitalization is now twice the size of Walmart. Put another way, Amazon is 2x the size of Walmart in value. That is a lot of growth over the past 20Ys. Speaking of growth, things are a bit different over in the banking industry where regulations and restrictions

05/18/2017  -  Branch Closures - Do You Need Them?

ABA research finds 71% of baby boomers use online banking services at least 1x per week. This is on par with both Gen X and Gen Y. This is extremely important to community banks, who know that boomers also control about 67% of all bank deposits. Given the shifting nature of technology and the way people keep learning and changing their behaviors, should community banks be thinking more aggressively about closing branches? Certainly, community banks pride themselves on maintaining the sort of "high-touch" personal relationships with their customers that larger rivals struggle to offer, despite their deeper pockets and their technological

05/17/2017  -  Competition And International Opportunities

McKinsey research finds that 10% to 40% of bank revenues (depending on business line) could be at risk from financial technology (Fintech) players by 2025. That is just 8Ys from now and it indicates community banks will need to keep refining the business model and adapting to customer demands in order to maintain a strong foothold. Certainly, competition is on the top of everyone's mind these days, as it seems to be coming from everywhere. One way to manage competition is to broaden your target market - even outside US borders. These days, many small business clients have or are already

05/16/2017  -  Measuring Regulatory Relief

Researchers at New York University and Michigan State University have reportedly figured out a way to easily fool fingerprints digitally by creating artificial master prints that can open up smartphones up to 65% of the time. These master keys if you will are a spooky concept because they demonstrate how bad guys might also break into biometric safeguards that are being used more and more by banks. It just goes to show that for every countermeasure there seems to be a new workaround that quickly follows in this technological world around us all. Speaking of measures, in the banking industry the

05/15/2017  -  Leveraging Technology To Streamline Exams

As we read through a recent research piece by McKinsey, an interesting sentence caught our eye. It read: In the eight year period between the Netscape IPO and the acquisition of PayPal by eBay, more than 450 attackers - new digital currencies, wallets, networks, and so on - attempted to challenge incumbents (in the banking industry). Fewer than five of these challengers survive as standalone entities today. It seems that the banking industry with all of its rules is a tough one to disrupt. That doesn't mean bankers can rest idly however, because technology is beginning to take hold, so

05/12/2017  -  Automated Everything

The Boston Consulting Group projects 25% of miles driven in the US by 2030 (just 13Ys) will happen in self-driving cars. That makes some sense, when you consider autonomous vehicles can reduce travel costs by a projected 60%. Who knows, perhaps the next car you buy could be your last one, so choose wisely and enjoy it. That is a huge change in a short period of time. Speaking of huge changes, you have most likely heard that Bank of America has opened three mini-branches that have ATMs and videoconferencing - but no human bank employees. They call these automated centers

05/11/2017  -  Community Banker Count Down To The Brexit

A study by eMarketer finds Amazon's Echo and Echo Dot speaker devices have a 70.6% marketshare in the US followed by Google's Home device with 23.8%. That means everyone else in this space is fighting for the remaining 5.6%. That is a long way for competitors to go to gain on these two juggernauts. Speaking of countdowns, community bankers should note that the Brexit countdown has officially begun overseas. As expected, on March 29th, British Prime Minister Theresa May sent a letter to the President of the European Union (EU) indicating Britain's desire to leave the EU. This officially triggered

05/10/2017  -  Traveling Around the Industry and Beyond

Did you see the story that quoted renowned theoretical physicist Steven Hawking? He originally said the human race had about 1,000Ys to populate another planet or risk facing extinction, but has now moved that up to a mere 100Ys. He points to overdue asteroid strikes, climate change, epidemics and population growth as likely catalysts. We better get going soon because building a base takes time and we have to account for travel too. Approximate travel times: Moon (3 day trip), Mars (7 months), Venus (15 months), Jupiter (6.0Ys) Mercury (6.5Ys), Saturn (7.0Ys) and Uranus (8.5Ys). While traveling in outer space is

05/09/2017  -  Managing Vendor or Third Party Risks

In 2008, regulators introduced a concept banks know as third party or vendor risk (vendor risk). This concept came from lessons learned during the credit crisis and has come to encompass not only mortgage foreclosure activity conducted by third parties, but also consumer compliance, cyber risk and today includes all products, processes, systems and services supported by a vendor relationship. These vendor relationships include outsourcing, using subcontractors, independent consultants, networking arrangements, services provided by affiliates and subsidiaries, joint ventures, and other business arrangements in which the bank has an ongoing relationship or may have responsibility for the associated records and

05/08/2017  -  Liquidity Management Overview

To wake up our readers this morning, we thought you might enjoy the fact that about 17% of people sleep naked! Wow, that is a lot of people slumbering in the buff. Hey, get your mind back in the banking game now, because we have a lot to cover today. While community banking isn't perhaps as fun as sleeping naked, let's get going anyway. Our discussion today is around liquidity management because it is something that is always on the minds of bankers and especially the bank's ALCO. Proper liquidity management requires a balance that takes planning, discipline and these days,

05/05/2017  -  Community Banks - Good Investment

A study released last year found that using virtual reality and non-invasive brain-machine interfaces allowed subjects who were paralyzed to regain touch sensation and some voluntary control of muscles in their legs. Think about that for a moment. In the experiments, subjects used a brain-controlled exoskeleton and virtual reality to actually walk! This is an amazing breakthrough that could perhaps one day help the 1 in 50 Americans (and millions of others worldwide) who are paralyzed to regain greater mobility. Wow. While not nearly as amazing or potentially life changing as this breakthrough, community bank investors play an important role

05/04/2017  -  Alternative Data For Creditworthiness

If you want to get a project done, be sure everyone introduces themselves. We say this because research from China finds cooperation increases when people know each other's names. Testing found that when people did not know each other's names they would cooperate to solve a problem only 25% of the time vs. 50% to 75% if they knew the other person's name. If you want to drive more cooperation on bank projects, use this as a little tip to break the ice before starting any meeting. This technique is a good one to use when seeking business opportunity with customers

05/03/2017  -  Lazy, Impatient Or Prudent Cyber Risk

A study by the Brain and Spine Institute in France finds that people are strongly influenced by the people around them and may unknowingly tend to imitate behaviors. The researchers found that after watching how someone else made a given choice, people tended to act more like the person they had observed. If the person they observed was lazy, they tended to act that way too and put off making the decision. Meanwhile, if the person was impatient, they tended to act that way, and if the person was prudent in their choice, the person tended to act that way.

05/02/2017  -  A Spinach Approach To Wealth Management

Spinach is good for you. Research shows it is not only good for your skin, hair and general health, but it might even improve blood glucose control for diabetics, lower the risk of cancer, reduce blood pressure and even reduce the risk of asthma. As if this green leaf weren't doing enough work for humans, scientists have now used its plant cells to create beating heart tissue that might one day treat heart attacks. This breakthrough and the very plant itself are truly amazing. After all, the CDC ranks heart disease as the #1 cause of death in the US

05/01/2017  -  Advancing The Stages Of Customer Acquisition

An advancement in robotics links humans with metal machines and here is how it all works. Humans wear a dorky skull cap that picks up brain signals. The brain signals travel down wires (probably go wireless soon) that connect from the human to the robot. As the human watches what the robot is doing, the brain sends out signals that are generated when the brain notices the robot is making a mistake. Those signals are picked up by the robot and it then changes its action. That is really pretty interesting if you ask us. Bankers could use such technology

April, 2017
March, 2017
February, 2017
January, 2017
01/03/2017  -  The BID Process
December, 2016
12/28/2016  -  Fast Forward Technology
12/08/2016  -  Bank Compensation Wakes Up
12/07/2016  -  Snowballs and Biometrics
12/06/2016  -  Flying Water Bottles
November, 2016
11/18/2016  -  Put A Ring On It
11/10/2016  -  Recruiting Customers
11/09/2016  -  Small Businesses
11/08/2016  -  Stronger Digital Or Personal
October, 2016
10/21/2016  -  Paperless Reserves
10/19/2016  -  Finding Your Niche
September, 2016
09/22/2016  -  But Wait, There's More
09/20/2016  -  The Speed of Banking
09/06/2016  -  Kids These Days
09/02/2016  -  Operational Risks
August, 2016
08/25/2016  -  Compliance Risks
08/24/2016  -  Video On The Forefront
July, 2016
07/28/2016  -  Dodd-Frank Exempt
07/27/2016  -  Memory Foam To The Core
07/26/2016  -  Let's Go Already
07/22/2016  -  Ink Blot Cyber Banking
07/21/2016  -  Compensation Comedy
07/19/2016  -  Message In A Bottle
07/08/2016  -  Profiting Non-Profits
07/07/2016  -  Yo Banking Apps
07/06/2016  -  Self-Serving Banking
07/05/2016  -  Faraway Fintech
June, 2016
06/24/2016  -  Gen Z Graduates
06/23/2016  -  Playing By The Rules
06/22/2016  -  Talent Ratings
06/17/2016  -  The Imperfect Square
06/16/2016  -  Captain API
06/14/2016  -  Banking On Mobile Alone
06/13/2016  -  Digital Destruction
06/10/2016  -  Data Breach Insights
06/09/2016  -  Let's talk Brexit
06/08/2016  -  Smile And Say Cheese
06/06/2016  -  An Issue With Many Tentacles
06/03/2016  -  Family Business Banking
06/02/2016  -  A New Chapter In Panama
May, 2016
05/31/2016  -  What The Heck Is That
05/27/2016  -  What Are You Drinking?
05/12/2016  -  Lending In Wonderland
05/11/2016  -  Uber Everything
05/10/2016  -  Social Speaking
April, 2016
04/18/2016  -  Good Times Or Bad Times
04/15/2016  -  Alternative Ways To Bank
04/14/2016  -  Turn Off The Lights
04/08/2016  -  Dreaming About New Customers
04/07/2016  -  Getting M&A To Lift-Off
04/04/2016  -  The Human Touch
March, 2016
03/28/2016  -  Gen X And Billy Idol
03/25/2016  -  Timing Is Everything
03/24/2016  -  Student Debt Conundrum
03/09/2016  -  Mining The Gold
03/08/2016  -  Keep Feeding Small Business
03/01/2016  -  Happy APIs
February, 2016
02/23/2016  -  De Novo Nesting Habits
02/22/2016  -  A Classic Way To Remain Calm
January, 2016
December, 2015
12/30/2015  -  Juggling The Talent Shortage
12/29/2015  -  Friendly Activity Online
November, 2015
11/19/2015  -  Bunnies And Banking
11/17/2015  -  All About EVE
October, 2015
10/22/2015  -  Phone Hacked
10/19/2015  -  Picture This
10/15/2015  -  The Poetry Of Underwriting
10/14/2015  -  Dot-Bank For Banks
10/09/2015  -  Navigating The Digital Seas
September, 2015
09/25/2015  -  Life, Art, Marriage And M&A
09/24/2015  -  CRA In M&A
09/23/2015  -  The Magic Of Apple
09/09/2015  -  No Shortcuts
09/08/2015  -  Bankers Aged Like Fine Wine
09/04/2015  -  In Trust We Trust
09/03/2015  -  Dialing Up Opportunities
09/01/2015  -  Better Late Than Never
August, 2015
08/26/2015  -  Chinese Currency Olympics
08/24/2015  -  Anticipating Risk In M&A
08/17/2015  -  The Robot Hotel
08/13/2015  -  Is Your Bank A Schmoo?
08/12/2015  -  The Demise Of HitchBOT
08/11/2015  -  New Customer Special
July, 2015
07/31/2015  -  Numbers Don't Lie (Mostly)
07/29/2015  -  Working Too Much
07/27/2015  -  Oh - That List
07/24/2015  -  Slipping Through The Fence
07/14/2015  -  A Case Of Mistaken Identity
07/13/2015  -  Clean Up And Simplify
07/10/2015  -  Waterloo Or Somewhere Close
07/09/2015  -  Adopting a New Friend
07/02/2015  -  Technology And Branches
June, 2015
06/25/2015  -  What Is A Blockchain?
06/23/2015  -  Demand Over Supply
06/22/2015  -  Timing Is Everything
06/19/2015  -  Don't Procrastinate
06/18/2015  -  All In The Family
06/17/2015  -  It's Shrinking!
06/15/2015  -  Quietly Moving Forward
May, 2015
05/22/2015  -  No Really, It's Safe
05/15/2015  -  Ransomware
05/14/2015  -  Translating The Volcker Rule
05/07/2015  -  Streaming Digital Payments
05/06/2015  -  The Five Factors Of Fast
05/04/2015  -  All Together Now
05/01/2015  -  Let Us Cultivate Our Garden
April, 2015
04/17/2015  -  Invisible Fences
04/16/2015  -  Mobile Wallet Tornado
04/15/2015  -  Hooray For Tax Day
04/01/2015  -  Finally The Fed Raises Rates
March, 2015
03/13/2015  -  Counting On M&A
03/12/2015  -  It Is Hard To Say Goodbye
03/10/2015  -  Social Media Strategy
03/09/2015  -  The Charm Of Country Life
03/06/2015  -  A Cautionary Fable On P2P
03/05/2015  -  Don't Try This At Home
03/04/2015  -  Focusing On The Target
03/03/2015  -  Regulatory Motion Sickness
February, 2015
02/24/2015  -  Herding Cats And NIM
02/23/2015  -  Hiring Millennial Mojo
02/13/2015  -  The Morton's Fork Of Banking
02/12/2015  -  Apple Pay At The OK Corral
02/11/2015  -  You Are What You Wear
02/05/2015  -  Webinars Out The Wazoo
02/04/2015  -  Stormageddon - Again
02/02/2015  -  Groundhog Day
January, 2015
01/21/2015  -  The Detroit Auto Show
01/20/2015  -  An ERM Survival Guide
01/16/2015  -  Defining Beauty
01/15/2015  -  Risky Business
01/12/2015  -  The End Of Chocolate
01/09/2015  -  The Bots Are Watching!
01/05/2015  -  Losing Your Brains
December, 2014
12/31/2014  -  Reviewing 2014
12/30/2014  -  Risk And Zeitgeist
12/29/2014  -  Do You Speak Dodd Frankish?
12/24/2014  -  Patience And 12 Days
12/23/2014  -  Heading To The Mall
12/17/2014  -  How Flat Is Flat
12/15/2014  -  The Devil Is In The Details
12/12/2014  -  Planting Roots With Gen Y
12/11/2014  -  Lock The Door!
12/10/2014  -  Jobs, Jobs, Jobs!
12/09/2014  -  Taking Care Of Each Other
12/08/2014  -  A Royal Acquisition
November, 2014
11/28/2014  -  The Money Museum
11/26/2014  -  Giving Thanks
11/25/2014  -  Making Good Decisions
October, 2014
10/15/2014  -  Tainting The Portfolio
10/14/2014  -  Better By The Growler
September, 2014
09/11/2014  -  We Wil Never Forget
09/10/2014  -  Hello Kitty Is Not A Cat
09/04/2014  -  Fighting Elder Abuse
09/02/2014  -  Managing A Conversion
August, 2014
08/29/2014  -  Partnering Carefully
08/27/2014  -  Pestilence
08/08/2014  -  In A Trance And On Hold
08/07/2014  -  Poaching A Venue
08/06/2014  -  Flowing With The Current
08/05/2014  -  Summer Recreational Reading
08/01/2014  -  Long Term Exposure
July, 2014
07/23/2014  -  Time Bomb
07/21/2014  -  The Wall of Shame
07/07/2014  -  Fostering Commitment
June, 2014
06/04/2014  -  Undercover Boss
06/03/2014  -  Howling At Reputational Risk
06/02/2014  -  Manic Mondays
May, 2014
April, 2014
04/22/2014  -  Good Publicity VS. Bad
04/18/2014  -  A Trend Until It's Not
04/16/2014  -  Crab Time
04/14/2014  -  The 5 Second Rule
04/10/2014  -  The Tightwad Bank
04/01/2014  -  A Foolish Situation
March, 2014
03/17/2014  -  Back-Testing Nostradamus
03/14/2014  -  The BOLI Assassin
03/13/2014  -  The Penalty Box
03/12/2014  -  Finding The Right Fit
03/10/2014  -  Merits Of Preparedness
03/07/2014  -  Advisory Trash To Treasure
03/05/2014  -  Keeping It Simple
03/04/2014  -  Scam Busting
February, 2014
02/25/2014  -  Donning The Boxing Gloves
02/24/2014  -  Now That Is Efficient
02/21/2014  -  Wrestling Over Data Security
02/20/2014  -  Finding Our Way
02/19/2014  -  The Efficiency Of The Ratio
02/18/2014  -  Slipping Into Obsolescence
02/11/2014  -  Say Goodbye To Hollywood
02/07/2014  -  Phishing And Farming
January, 2014
01/28/2014  -  Dangerous Behavior
01/27/2014  -  A Fortune Of Opportunity
01/24/2014  -  A Small Biz Checklist
01/17/2014  -  100 Years Of The Fed
01/16/2014  -  Banking Before The Fed
December, 2013
12/09/2013  -  Boomer Biz Opportunities
12/06/2013  -  I Like Your Effort
12/05/2013  -  Moving Definition of Scandal
November, 2013
11/05/2013  -  Real Estate Appraisals
11/04/2013  -  Solving Great Myesteries
11/01/2013  -  All Webbed Together
October, 2013
10/31/2013  -  The Who on Going Mobile
10/29/2013  -  Monsters Under the Bed
10/28/2013  -  Spy VS Spy
10/25/2013  -  Reaching for the Stars
10/23/2013  -  Misadventures in Spelling
10/22/2013  -  Fairy Tales and Fact
10/15/2013  -  Basel III and Sub S Banks
10/10/2013  -  Ranking Employers
September, 2013
09/25/2013  -  Are Bank Tellers Dinosaurs?
09/24/2013  -  The Holy Grail of Banking
09/23/2013  -  Were You Talking to Me?
09/20/2013  -  Bottled Water and Banking
09/19/2013  -  Swimming in CRA
09/18/2013  -  Get Your Beauty Rest
09/17/2013  -  Customer Loyalty
09/16/2013  -  The Power of Promotion
09/09/2013  -  When Should a Bank Outsource
09/06/2013  -  Take a Walk in Their Shoes
09/05/2013  -  Pay Attention to Training
August, 2013
08/30/2013  -  Following the Trend or Not
08/29/2013  -  The ABCs of Regulation E
08/28/2013  -  Are You Cranky or Nostalgic?
08/19/2013  -  Banking and Innovation
08/15/2013  -  Customer Complaints
08/14/2013  -  Traveling a Global World
08/13/2013  -  Lead the Way with Data
08/12/2013  -  Eggs in One Basket
08/09/2013  -  Creating a Buzz
08/08/2013  -  No Account For You
08/06/2013  -  GDP is Going Up
08/02/2013  -  Get Rick Quick
08/01/2013  -  Watch for Falling Cows
July, 2013
07/31/2013  -  If the Price Fits
07/29/2013  -  Turning up the Heat
07/26/2013  -  Looking Closer At Chains
07/25/2013  -  Diamonds and Customers
07/24/2013  -  Painting a Changing Picture
07/11/2013  -  Danger Will Robinson
07/10/2013  -  Deflating the Debt Balloon
07/09/2013  -  No Bull - Bear In Mind
07/08/2013  -  Snapchatting About Mobile
07/05/2013  -  Gains & Losses
07/01/2013  -  Popularity Improving
June, 2013
06/28/2013  -  Worldwide Exposure
06/27/2013  -  Managing Cow Tipping
06/25/2013  -  A Goat's Head and Inflation
06/24/2013  -  Bursting Balloons
06/21/2013  -  Checking Out Self Service
06/12/2013  -  Cleaning Up For Success
06/10/2013  -  Top of the World
06/07/2013  -  No Crying Over the Onion
06/06/2013  -  NO ONE LIKES RANTING
06/05/2013  -  BUGGED ABOUT ADAPTABILITY
06/04/2013  -  FAUX VACATION
May, 2013
05/31/2013  -  JOB MIGRATION
05/29/2013  -  NO BABE IN THE WOODS
05/06/2013  -  TRANSFORMED BY TECHNOLOGY
05/03/2013  -  WOMEN BUSINESS OWNERS
April, 2013
04/25/2013  -  SUCCESSFUL CROSS SELLING
04/23/2013  -  SOLAR STORMS
04/17/2013  -  THE PERILS OF FORECASTING
04/15/2013  -  OPTIMAL DENSITY
March, 2013
February, 2013
02/13/2013  -  LEVERAGING SOCIAL MEDIA
02/12/2013  -  SUCCESSION PLANNING
02/08/2013  -  WEB SITE REVIEW
January, 2013
December, 2012
November, 2012
October, 2012
10/26/2012  -  GIVING DIRECTIONS
10/25/2012  -  SEEING BRANCHES CLEARLY
10/01/2012  -  THE ISSUES WITH EASING
September, 2012
August, 2012
July, 2012
June, 2012
06/26/2012  -  LESSONS LEARNED
06/25/2012  -  MOVING AROUND RISK
06/22/2012  -  MULTIFAMILY RISK
06/21/2012  -  FOMC AND BANK STRATEGY
06/20/2012  -  PRICING STRATEGY
May, 2012
05/24/2012  -  REWARDING FOR SALES
05/23/2012  -  PAYING EMPLOYEES TO QUIT
05/01/2012  -  STRESSING ABOUT MAY DAY
April, 2012
March, 2012
03/27/2012  -  LOAN REPORTING
03/22/2012  -  SPORTS AND BANKING
03/21/2012  -  THE MOBILITY OF CASH
03/06/2012  -  ISN'T THAT SPECIAL
03/05/2012  -  PUSHING BUTTONS IN BANKING
February, 2012
02/14/2012  -  ADDICTED TO CUSTOMER LOVE
02/13/2012  -  MONEYBALL BANKING
January, 2012
01/17/2012  -  COMPETITIVE POSITIONING
01/13/2012  -  FRIDAY THE 13TH IN BANKING
01/09/2012  -  7 RULES TO FOLLOW
01/06/2012  -  BANKING'S POWERFUL WORDS
01/03/2012  -  HAPPY NEW YEAR
December, 2011
12/23/2011  -  48 HOURS BEFORE XMAS
12/22/2011  -  BANK GIFT GIVING
12/20/2011  -  THIS OLD BANK
12/05/2011  -  THE COST OF IPO SUCCESS
12/01/2011  -  HISTORY AS A GUIDE
November, 2011
11/30/2011  -  CHANGE IN LENDING
11/29/2011  -  ENFORCEMENT ACTIONS, PART II
11/28/2011  -  WINDING DOWN
11/25/2011  -  BLACK FRIDAY
11/23/2011  -  THANKFUL
11/18/2011  -  HOLIDAY COMPETITION
11/17/2011  -  FIND YOUR CHUCKLE
11/10/2011  -  C&I
11/08/2011  -  THE POWER OF EDUCATION
11/04/2011  -  JUST PLAIN GOOFY
11/03/2011  -  GRASSROOTS OR ASTROTURFING
October, 2011
10/13/2011  -  BANK EQUITY RISK PREMIUM
10/12/2011  -  ITALIAN BOARD STYLE
September, 2011
09/29/2011  -  BANK STOCK LIQUDITY
August, 2011
08/15/2011  -  SECOND QUARTER PERFORMANCE
08/12/2011  -  BEANS OR STEAK
08/02/2011  -  A TALE OF PRODUCT INNOVATION
08/01/2011  -  A PARTIAL TALE OF TWO BANKS
July, 2011
07/20/2011  -  CHARGING FEES
June, 2011
06/06/2011  -  RETAIL CHECKING IDEA
06/03/2011  -  OF SPECIAL MENTION
06/02/2011  -  TOOTH FAIRIES AND BANKING
06/01/2011  -  MIND OVER MATTER
May, 2011
05/17/2011  -  LEARNING ABOUT NFC AND EMV
05/16/2011  -  MONEY AND INFORMATION
05/13/2011  -  NOT FLOORING YOUR LOANS
05/10/2011  -  FIRST QUARTER RECAP
April, 2011
04/29/2011  -  SHRINKING THE BANKING SECTOR
04/28/2011  -  A BETTER ROYAL WEDDING
04/27/2011  -  BANK DECISION MAKING
04/12/2011  -  SETTING DIVIDENDS
04/11/2011  -  THE $100 PROMOTION
March, 2011
February, 2011
January, 2011
01/06/2011  -  BUSINESS SAVINGS
December, 2010
12/31/2010  -  HAPPY NEW YEAR
12/30/2010  -  SPYING PART DEUX
12/28/2010  -  CLEANING UP IN 2011
12/27/2010  -  AN OVERFLOWING SINK
12/07/2010  -  THE STUDENT ACCOUNT
12/06/2010  -  PRICING INSIGHT FROM WALT
November, 2010
11/24/2010  -  THANKSGIVING
11/23/2010  -  DEBIT KARD TACTICAL CHANGES
11/09/2010  -  INVESTMENT LEVERAGE
11/08/2010  -  THE CHRISTMAS CLUB ACCOUNT
11/02/2010  -  TEAMWORK GETS IT DONE
11/01/2010  -  PROCRASTINATION IN BANKING
October, 2010
10/29/2010  -  SCARY UTTERANCES
10/26/2010  -  BANKS AND INFLATION
10/25/2010  -  BANK AND CUSTOMER REPO
10/22/2010  -  TRUCKING IN REGULATION
10/15/2010  -  BANC WHIPPING BOY.COM
10/14/2010  -  HOW ARE YOU COMMUNICATING?
10/13/2010  -  THE FORECLOSURE PROBLEM
10/08/2010  -  ARE YOU NUTS?
10/04/2010  -  CONVENIENCE RULES
10/01/2010  -  INVESTMENT ALTERNATIVES
September, 2010
09/13/2010  -  INSURING LEGAL RISK
09/10/2010  -  SEPTEMBER 11, 2001
09/03/2010  -  HURRICANE SALES TRAINING
09/02/2010  -  LOAN RETURN VOLATILITY
August, 2010
08/31/2010  -  WHAT IS WITH THE ADS?
08/30/2010  -  THE ART OF THE SUBJECT LINE
08/27/2010  -  GALILEO, HANS AND BANKING
08/26/2010  -  CONNECTING THE DOTS
08/25/2010  -  NIAGARA FALLS IN BANKING
08/24/2010  -  SPONGES AND BANK LENDING
08/23/2010  -  SHAKING THINGS UP IN BANKING
08/19/2010  -  BANKING BY JENGA
July, 2010
07/30/2010  -  MANAGING RISK FROM THE BEACH
07/29/2010  -  THE GAME OF TAG
07/28/2010  -  OF SNICKS AND SNICKERS
07/27/2010  -  SEXTANT AND BANKING
07/26/2010  -  ANCHORS AWAY
07/22/2010  -  CUSTOMER SERVICE
07/20/2010  -  THE CROSS-SELL SALES EFFORT
07/19/2010  -  INTEREST BUSINESS CHECKING
07/16/2010  -  A BANKING TRIFECTA
June, 2010
06/30/2010  -  LEARNING NEW THINGS
06/28/2010  -  A BANKING BED OF ROSES
06/16/2010  -  CAFFEINATED BANKING
06/04/2010  -  TOP 25 BANKS
06/03/2010  -  BP OIL SPILL AND BANKING
06/02/2010  -  DIGGING AROUND
06/01/2010  -  RECHARGING BATTERIES
May, 2010
05/28/2010  -  CONTINGENCY PLANNING
05/26/2010  -  DISBAND MARKETING
05/25/2010  -  A SALES POINT OF VIEW
05/24/2010  -  LEGISLATIVE RISK
05/21/2010  -  SMALL BUSINESS CUSTOMERS
05/20/2010  -  BAD MATH
05/19/2010  -  WE HAVE YOU COVERED - PART 2
05/18/2010  -  RELAX - WE'VE GOT YOUR BACK
05/17/2010  -  CHANGING NICKELS INTO GOLD
05/14/2010  -  TWO TIP FRIDAY
05/07/2010  -  FISH AND CHIPS
April, 2010
04/30/2010  -  GLEE BANKING
04/29/2010  -  GETTING DOG HONEST
04/28/2010  -  CRE WORKOUTS - A CASE STUDY
04/09/2010  -  APPLE AND COMMUNITY BANKING
04/08/2010  -  SUMMER INTERNSHIPS
March, 2010
03/26/2010  -  NAMING NAMES
03/22/2010  -  LIQUIDITY IN BANKING
03/19/2010  -  BETTER CONTROL WITH PRE-PRE
03/04/2010  -  DEPOSIT TRICK #114
February, 2010
02/23/2010  -  DIRECTOR EDUCATION - RISKS
02/22/2010  -  DIRECTOR EDUCATION - BASICS
02/19/2010  -  GETTING AN APP FOR THAT
02/18/2010  -  COMPLEXITY AND RISK
02/17/2010  -  THE US DEFICIT
02/16/2010  -  OLYMPIC FREE CHECKING
02/12/2010  -  WOMBATS AND BANKING
02/11/2010  -  DEFINING CUSTOMER REFERRALS
02/10/2010  -  IMPROVING TIME MANAGEMENT
02/09/2010  -  BEING A BOSS ISN'T EASY
02/08/2010  -  VITAL COMMUNICATION
January, 2010
01/29/2010  -  DRINKING FROM A FIRE HOSE
01/27/2010  -  BRITISH TAXIS AND BANKING
01/25/2010  -  ENERGETIC IRR ACTIVITIES
01/22/2010  -  RISK MANAGEMENT
01/21/2010  -  HOW TO MAKE MONEY TODAY
01/20/2010  -  HOW NOT TO BE # 1
01/19/2010  -  CONFUSED THINKING
01/07/2010  -  INTERNAL SELLING
01/06/2010  -  BOARD BY MEETINGS & MINUTES
01/05/2010  -  SUPER DEPOSIT FEATURES
01/04/2010  -  HAPPY NEW YEAR
December, 2009
12/28/2009  -  READING AND LEARNING
12/23/2009  -  THIS OLD BANK
12/22/2009  -  THE OLDEST BANK IN THE WORLD
12/21/2009  -  BANKERS' BANK UPDATE
12/18/2009  -  LOCKING DOWN A CFO STUDY
12/11/2009  -  MORE GAME THEORY IN ACTION
12/10/2009  -  WHEN TO AUCTION
12/08/2009  -  NO SHOT TO MAKE
12/07/2009  -  THE BLAME GAME
November, 2009
11/27/2009  -  Happy Black Friday
11/25/2009  -  THANKSGIVING
11/02/2009  -  HALLOWEEN AND SCARY BANKING
October, 2009
10/30/2009  -  LOAN PREPAYMENTS
10/26/2009  -  BANK COMPENSATION
10/23/2009  -  T.G.I.F AND MODELS
10/19/2009  -  GETTING YOUR COSTUME
10/16/2009  -  OUTSOURCING
10/15/2009  -  ITALIAN BOARD STYLE
10/13/2009  -  LEARNING FROM LEFTOVERS
10/09/2009  -  CAPITAL IS KING
10/08/2009  -  A BOX IN A BOX - TECHNOLOGY
10/06/2009  -  IMAGE IS EVERYTHING
September, 2009
09/29/2009  -  TRAUMA IN BANK COMPENSATION
09/28/2009  -  RETHINKING BRANCHING
09/09/2009  -  TOP 50 BANKS AS OF 2Q 2009
09/08/2009  -  SHARING LOSSES
August, 2009
July, 2009
07/30/2009  -  THE EARNINGS IN CAMELS
07/29/2009  -  THE MANAGEMENT IN CAMELS
07/23/2009  -  THE SIGTARP'S NUMBERS
07/22/2009  -  TEENAGERS AND BANKING
07/15/2009  -  REGULATORY CHANGES
07/14/2009  -  NO WINKING PLEASE
07/13/2009  -  PSYCHOLOGY AND BANKING
07/10/2009  -  MOBILE BANKING UPDATE
07/09/2009  -  HOW ARE YOU DOING?
07/08/2009  -  THE POWER OF BANK DEPOSITS
07/01/2009  -  OPPORTUNITY KNOCKS
June, 2009
06/30/2009  -  A LEAN HOURGLASS FIGURE
06/26/2009  -  MANAGING BY MOTTO
06/25/2009  -  CABLE VERSUS NETWORK TV
06/24/2009  -  COST CUTTING
06/16/2009  -  ASSET QUALITY WORK REMAINS
06/15/2009  -  LISTS AND COUNTING MONEY
06/05/2009  -  THE RULE OF 150
06/02/2009  -  WHAT A CROC
May, 2009
05/26/2009  -  SPECIAL ASSESSMENT IMPACT
05/21/2009  -  THE EAGLE HAS LANDED
05/15/2009  -  HOW BAD IS CRE AT BANKS?
05/13/2009  -  WE GROWL AT GROWTH
05/12/2009  -  EARLY FEEDBACK
05/11/2009  -  FORGET THE COMPETITION
05/08/2009  -  LESS STRESS THAN EXPECTED
05/07/2009  -  FINISH LINE IN SIGHT
05/05/2009  -  FROM OUR EMC CONFERENCE
April, 2009
04/17/2009  -  BANKING BY TWITS AND TWEEPS
04/16/2009  -  PIRATE METRICS
04/15/2009  -  DOES GROWTH BITE?
04/01/2009  -  A NEW BANKING IDEA
March, 2009
03/20/2009  -  A DISTINGUISHING FEATURE
03/19/2009  -  THE FED MOVE
03/02/2009  -  FDIC ASSESSEMENT
February, 2009
02/27/2009  -  GETTING A GOLD STAR
02/24/2009  -  MORE RATIO ANALYSIS
02/20/2009  -  BANK CLUSTERING
02/18/2009  -  SHARING LOSSES
02/17/2009  -  LEADING THE PARADE
02/13/2009  -  BUSINESS CONTINUTY PLANNING
02/12/2009  -  EXAM READY
02/10/2009  -  SIMPLY PROTECTING DATA
02/04/2009  -  THE STATE OF BANKING
02/03/2009  -  CONSIDER GETTING GREEN
02/02/2009  -  BIDDING ON TROUBLED BANKS
January, 2009
01/27/2009  -  LOOK OUT BELOW
01/26/2009  -  BREAKING ROCKS AUSSIE STYLE
01/23/2009  -  NATIONALIZING BANKING
December, 2008
12/31/2008  -  HAPPY NEW YEAR
12/30/2008  -  SURFACING CAPITAL
12/29/2008  -  SOME ASSEMBLY REQUIRED
12/26/2008  -  SALE, SALE, SALE!
12/24/2008  -  'TWAS A HOLIDAY THANK YOU
12/23/2008  -  THE HIGH ART OF REGIFTING
12/17/2008  -  FED MOVES
12/16/2008  -  DIFFICULT TIMES
November, 2008
11/19/2008  -  FIXING PROBLEMS
11/18/2008  -  FIXING PROBLEMS
11/10/2008  -  SUMO BANKING
11/06/2008  -  VOLATILITY AND BANK SAFETY
October, 2008
10/31/2008  -  REGULATORY SOUP - Q & A
10/30/2008  -  TARP INTERIM RULE
10/23/2008  -  WACHOVIA'S SECRET COWFORCE
10/22/2008  -  GREAT DEPOSIT MARKETING
10/21/2008  -  TAKE THE CAPITAL
10/06/2008  -  ADDITIONAL DEPOSIT INSURANCE
10/03/2008  -  MAKING MOVES
10/02/2008  -  DA PLAN, DA PLAN
September, 2008
09/30/2008  -  THE TRILLION DOLLAR GAMBLE
09/26/2008  -  A FEW GOOD ASSETS
09/25/2008  -  WHY NOT AN EVEN TRILLION
09/23/2008  -  Banking Alpha
09/11/2008  -  SEPTEMBER 11, 2001
09/10/2008  -  QUARKS AND LOANS
August, 2008
08/21/2008  -  HIRING BANKERS
08/19/2008  -  IMPROVING SALES IN BANKING
08/15/2008  -  OTTI Update
08/14/2008  -  STRATEGIC M&A
08/13/2008  -  MOM ON YOUR FUTURE
08/11/2008  -  ASSUMING THE WORST
08/08/2008  -  OPENING CEREMONIES
08/06/2008  -  WEIGHTLIFTING
July, 2008
07/23/2008  -  TARGETING NEW CUSTOMERS
07/22/2008  -  TRY THIS AT HOME
07/21/2008  -  TECHNOLOGICALLY SPEAKING
07/15/2008  -  STOPPING A BULL RUN
07/14/2008  -  FANNIE MAE AND FREDDIE MAC
07/11/2008  -  TURNED ON ITS AXIS
07/07/2008  -  KEEPING LIQUIDITY FLOWING
07/03/2008  -  LOOKING BACK AND FOREWORD
07/02/2008  -  TARGETED MARKETING
June, 2008
06/30/2008  -  LOAN PREPAYMENT VALUE
06/27/2008  -  NEW DEPOSIT PRODUCT TRENDS
06/26/2008  -  BALANCE SHEET OPTIONALITY
06/25/2008  -  TRAITS OF A CEO
06/23/2008  -  EMERGENCY LIQUIDITY PLANNING
06/09/2008  -  SUMMER PROFILE COMPARISON
06/05/2008  -  BLINKING IMPRESSION
May, 2008
05/27/2008  -  FORECASTING
05/23/2008  -  CREDIT RISK RADAR
05/22/2008  -  GETTING INSIDE MODELING
05/21/2008  -  DATA PARADE WORTH WATCHING
05/20/2008  -  AVOIDING A SKUNK'S SPRAY
05/19/2008  -  WHAT GOOGLE CAN TEACH US
05/16/2008  -  INSIDE THE BOX
05/15/2008  -  CONFUSING ACTIVITIES
05/14/2008  -  COMPLEXITY IS CONFUSING
April, 2008
04/29/2008  -  COST OF PRODUCTION
04/28/2008  -  THE BANK LOBBY
04/25/2008  -  MEETINGS AND FAUCETS
04/24/2008  -  POKING AROUND AND LISTENING
04/22/2008  -  SHOT ACROSS THE BOW
04/21/2008  -  GREETING CARDS AND BANKING
04/18/2008  -  DO WE NEED BROCHURES?
04/17/2008  -  HOW NOT TO BE #1
04/16/2008  -  LICKING YOUR LEVERAGE
04/15/2008  -  NOSTALGIC POLICIES
04/09/2008  -  GOOD NEWS - BAD NEWS
04/08/2008  -  OBSERVING AND LEARNING
04/07/2008  -  STUBBED TOES
04/01/2008  -  NEW COMPETITION
March, 2008
03/26/2008  -  OPENING A PRESENT
03/25/2008  -  DON'T WAIT TO TAKE ACTION
03/24/2008  -  DYNAMICS OF AN AGING BANK
03/20/2008  -  MARCH MADNESS OF LOANS
03/19/2008  -  CUSTOMER TYPE PROFITABILITY
03/18/2008  -  DEPOSIT TRICK #114
03/14/2008  -  ANOTHER BOLT AND JOLT
February, 2008
02/28/2008  -  THE WHEELS KEEP TURNING
02/27/2008  -  MANAGING THE CORE
02/12/2008  -  RISK BUSINESS
02/11/2008  -  WATCHING THE WATCHMAKERS
02/08/2008  -  SAVING HEARTS AND CREDIT
02/04/2008  -  SUPER EXECUTION
02/01/2008  -  BOXING UP THE BOARD PACKAGE
January, 2008
01/31/2008  -  PUTTING ON A CAP
01/30/2008  -  GRAPPLING WITH RESERVES
01/29/2008  -  HIGH PERFORMANCE
01/28/2008  -  LIQUIDITY RISK MANAGEMENT
01/25/2008  -  GREETINGS FROM DAVOS
01/17/2008  -  APPLES OR ORANGES
01/16/2008  -  A ROCK IN THE SHOE
01/15/2008  -  PUSHING FORWARD
01/14/2008  -  REVIEWING PERFORMANCE
01/11/2008  -  THE TEACHINGS OF ED
01/09/2008  -  MONKS ON MARKETING
01/08/2008  -  BEAUTY, VALUE AND FAS 157
01/07/2008  -  OUR 2008 RESOLUTIONS
01/03/2008  -  BETTER PRONOUNCIATION
01/02/2008  -  BOOSTING SALES
December, 2007
12/31/2007  -  HAPPY NEW YEAR
12/27/2007  -  MODEL GOVERNANCE
12/26/2007  -  SALE, SALE, SALE!
12/19/2007  -  WARNING ALARM
12/17/2007  -  A FEW GIFTS FOR YOU
12/10/2007  -  FLOORS AND PIGS
12/07/2007  -  LURKING IN THE SHADOWS
November, 2007
11/30/2007  -  BANKING UPDATE FOR THE 3Q
11/29/2007  -  THE BLUE BOX EXPERIENCE
11/21/2007  -  HAPPY THANKSGIVING
11/20/2007  -  NEEDLE IN A HAYSTACK
11/19/2007  -  HALF FULL
11/07/2007  -  MORE WOOD TO CHOP
11/06/2007  -  EMPLOYEE SATISFACTION
11/05/2007  -  IMPROVING BANK PERFORMANCE
October, 2007
10/31/2007  -  A Scary Day
10/27/2007  -  BRANCH OPERATING HOURS
10/18/2007  -  CYCLONIC DEPOSIT ACTIVITY
10/17/2007  -  THE HALL OF FAME TERM SHEET
10/16/2007  -  PEER REFLECTIONS
10/15/2007  -  BOARD STYLE
10/12/2007  -  ITALIAN BOARD STYLE
10/11/2007  -  ANTI-MONKEY POWDER FOR LOANS
September, 2007
09/28/2007  -  RAINING HAMBURGERS
09/27/2007  -  INCREASING YOUR WOM
09/26/2007  -  NO NEED TO BE STUBBORN
09/25/2007  -  LAUNCHING NEW CUSTOMERS
09/24/2007  -  GAMBLING & LENDING
09/21/2007  -  STAYING STRATEGIC
09/17/2007  -  FACEBOOK AND BANKING
09/14/2007  -  DIRTY MONEY AND CUSTOMERS
09/12/2007  -  MARINES AND BANKING
09/11/2007  -  WE WILL NEVER FORGET
09/04/2007  -  COMMUNICATION AND SALES
August, 2007
08/31/2007  -  THE BURNING MAN BANK
08/30/2007  -  HAPPY, SHINY EMPLOYEES
08/29/2007  -  LENDING IN SLOVENIA
08/28/2007  -  BOTTLING LOANS
08/24/2007  -  FUTURE BRANCHING
08/23/2007  -  SLIPPERY LIQUIDITY
08/21/2007  -  PROPER STAIR CONSTRUCTION
08/20/2007  -  ALLIGATORS AND ERM
08/17/2007  -  GET A HARDHAT
08/02/2007  -  PEOPLE ARE OVERRATED
08/01/2007  -  HODGEPODGE
July, 2007
07/31/2007  -  WINNING THE CUSTOMER GAME
07/30/2007  -  A FRIEND AND A PEER GROUP
07/27/2007  -  ZORBING
07/12/2007  -  TEENAGE ANGST AND BANKING
07/10/2007  -  THE MIGHTY MEDICI'S
07/03/2007  -  Patriotic Lending
07/02/2007  -  LENDING RISK
June, 2007
06/29/2007  -  SPRINGING BANK PROFITS
06/28/2007  -  LEVERAGING CAPITULATION
06/13/2007  -  AS EASY AS PIE
06/12/2007  -  NO TIME TO CLOWN AROUND
06/11/2007  -  KNOWING THE ODDS
06/08/2007  -  SHARE BUYBACKS
06/06/2007  -  CRIMINAL FEE WAIVING
06/05/2007  -  TURBULENT TIMES IN BANKING
06/04/2007  -  CABLE BANKING
06/01/2007  -  FUN PARADE
May, 2007
05/30/2007  -  OF BLOGS, WIKIS AND PODCASTS
05/29/2007  -  BACK TO SCHOOL
05/25/2007  -  RUNNING FROM THE BULL
05/24/2007  -  PHYSICS AND BANKING:
05/22/2007  -  THE MYSPACE PHENOMENON
05/21/2007  -  THE LANGUAGE OF CALLABLE CDS
05/18/2007  -  COMMERCIAL LOAN DEFAULTS
05/17/2007  -  A BRAND PLAN
05/16/2007  -  STRATEGIC PLANNING
05/09/2007  -  LOYALTY
05/08/2007  -  REMOTE DEPOSIT CAPTURE
April, 2007
04/30/2007  -  KNOWING WHO YOU ARE
04/20/2007  -  PROFIT PER EMPLOYEE
04/19/2007  -  SWINGING FOR A NEW BRANCH
04/17/2007  -  THE BEST RESPONSE
04/16/2007  -  THE BIG PICTURE OF 159
04/12/2007  -  FAS 159 - WAKE UP CALL
04/11/2007  -  THE RISK MANAGEMENT CHANNEL
04/10/2007  -  HEURISTICS AND BANKING
04/09/2007  -  COOKIES IN THE BRANCH
04/06/2007  -  SOMETHING MISSING
04/05/2007  -  THE HALO EFFECT
04/04/2007  -  Mistaken Indexed Deposits
04/03/2007  -  CASH FLOW IDENTITY
04/02/2007  -  INTELLIGENT WEBDESIGN
March, 2007
03/26/2007  -  CRE LOAN PREPAYMENTS
03/23/2007  -  DOWN THE ROAD ON NIM
03/13/2007  -  GOT THE TIME
03/12/2007  -  SUBMERGING SUBPRIME
03/07/2007  -  LEMMING TESTING
03/06/2007  -  A Mickey Mouse Bank
03/02/2007  -  JET BLACK & BLUE & GOLD
03/01/2007  -  Banker's Chalkboard
February, 2007
02/21/2007  -  LIQUIDITY
02/20/2007  -  CRE CONDUITS
02/16/2007  -  ATM FEES AND DEPOSITS
02/15/2007  -  MULTIFAMILY LENDING UPDATE
02/14/2007  -  A DAY OF LOVE
02/13/2007  -  CRE LOAN UNDERWRITING
02/12/2007  -  LAUNCHING A NEW PRODUCT
02/01/2007  -  A BAD HABIT
January, 2007
01/23/2007  -  INTERNAL SELLING
01/22/2007  -  A SIMPLE PROMOTION
01/19/2007  -  LOOK BEFORE YOU LEAP
01/04/2007  -  MISC CLEANUP
01/03/2007  -  KEEPING EVERYONE HAPPY
December, 2006
12/29/2006  -  2007 LET THE PARTY BEGIN
12/28/2006  -  LUCKY STREAK
12/26/2006  -  LEARNING FROM THE ARMY
12/22/2006  -  THE HIGH ART OF REGIFTING
12/21/2006  -  WINNING
12/20/2006  -  RIGHT AROUND THE CORNER
12/18/2006  -  FORK IN THE CREDIT ROAD
12/13/2006  -  FROM HAWKS TO DOVES
12/12/2006  -  CATCHING MORE CUSTOMERS
12/08/2006  -  SEXY ATMs
12/04/2006  -  PRUDCOT DISEGN
12/01/2006  -  TIGHTENING COMPETITION
November, 2006
11/30/2006  -  HALF FULL OR HALF EMPTY
11/29/2006  -  THE BID
11/28/2006  -  EMPLOYEE FOCUS
11/27/2006  -  BANKING UPDATE FOR THE 3Q
11/24/2006  -  A BUNCH OF TURKEYS
11/22/2006  -  WOMEN CLIENTS
11/16/2006  -  STRATEGIC INITIATIVES
11/14/2006  -  USING BANK CRM SYSTEMS
11/13/2006  -  HOSPITALITY LENDING
11/10/2006  -  FISHING FOR CUSTOMERS
11/09/2006  -  PUZZLING ADVICE
11/08/2006  -  RISK MANAGEMENT
11/07/2006  -  MOUNTAIN OF WISDOM
11/06/2006  -  LEMMINGS
October, 2006
10/30/2006  -  IT IS EASY BEING GREEN
10/27/2006  -  CREDIT MIGRATION
10/18/2006  -  LOOKING UP EFFICIENCY
10/17/2006  -  BANKING AND MOVIES
10/16/2006  -  DEVILISH PREDICTION
10/13/2006  -  MIXING BOARDS AND CEOs
10/12/2006  -  BRANCH SALES
10/11/2006  -  ARRESTING ID THEFT
10/06/2006  -  LIQUIDITY EXPOSURE
September, 2006
09/28/2006  -  LIKE PULLING TEETH
09/27/2006  -  BRANCHING MANIA
09/21/2006  -  BANK LOYALTY PROGRAMS
09/19/2006  -  LOAN PRICING
09/18/2006  -  LOAN PRICING
09/15/2006  -  RISK-ADJUSTED RIDE
09/14/2006  -  RISK VS RETURN
09/13/2006  -  RETURN ON EQUITY
09/12/2006  -  NIM IS OVERRATED
09/11/2006  -  WE WILL NEVER FORGET
August, 2006
08/28/2006  -  BOOSTING FEE INCOME
08/25/2006  -  ARMY ANTS AND BANKING
08/24/2006  -  WALKING THE WING OF RISK
08/23/2006  -  BANKING SECRETS UNMASKED
08/22/2006  -  TIME TO CHANGE CHANNELS
08/21/2006  -  FIRST FLOOR PLEASE
08/14/2006  -  MOM ON YOUR FUTURE
08/11/2006  -  QUANTIFYING HERSTATT RISK
08/10/2006  -  FORGET THE COMPETITION
08/09/2006  -  FROM HERE IT GETS TRICKY
08/08/2006  -  TOO MANY BRANCHES?
July, 2006
07/13/2006  -  THE 20-SOMETHING BUNDLE
07/12/2006  -  A SHOCKWAVE IS COMING
07/10/2006  -  YELLOW CARDING CUSTOMER FEES
07/07/2006  -  BREAK DOWN THE SILOS
07/06/2006  -  BETTING ON DEPOSITS
June, 2006
06/30/2006  -  TARGETED MARKETING
06/29/2006  -  LOOKING FARTHER AHEAD
06/22/2006  -  SKIPPING STONES
06/21/2006  -  SAWING THROUGH NIM
06/20/2006  -  HAMMERING NIM
06/19/2006  -  Painful Tendencies
06/16/2006  -  Painting By Numbers
06/15/2006  -  BATTERED ABOUT
06/14/2006  -  LEVERAGING DEPOSIT MARKETS
06/13/2006  -  THE SMALL BUSINESS
06/06/2006  -  Devilish Details
06/05/2006  -  MORE YIELD MAINTENANCE
06/02/2006  -  INVENTION IN BANKING
May, 2006
05/31/2006  -  THE COST OF WAITING
05/30/2006  -  QUALIFIED HIRING
05/26/2006  -  SHOCKING DEVELOPMENT
05/22/2006  -  SETTING THE RIGHT TIER?
05/19/2006  -  SOFT LANDING OR HARD?
05/16/2006  -  A REFERRAL PROGRAM
05/15/2006  -  THE BANK LOBBY
05/12/2006  -  THE COMMERCIAL LOAN WHALE
05/11/2006  -  SWEET 16
05/10/2006  -  FACT OR FICTION
05/09/2006  -  PRECISION MARKETING STRATEGY
05/08/2006  -  PLAYING WITH MONEY
05/05/2006  -  VIVA PRICING BALANCE
05/02/2006  -  KEEP THE CHANGE
April, 2006
04/28/2006  -  SPRING POLICY CLEANING
04/26/2006  -  IF WE PEAKED, WHAT NEXT?
04/25/2006  -  FUNDING TACTICS - PART II
04/24/2006  -  FUNDING STRATEGIES
04/21/2006  -  THE POWER TO MOVE
04/20/2006  -  SPRING BRINGS GROWTH
04/19/2006  -  THE END IS NEAR
04/12/2006  -  HOW NOT TO BE #1
04/11/2006  -  HOTEL LENDING
04/10/2006  -  PREDICTING THE FUTURE
04/07/2006  -  HIGHER PERFORMANCE
04/06/2006  -  FEEDING TIME
04/05/2006  -  REAL LIFE CREDIT SHOCK
04/04/2006  -  OF CATS AND FIXED RATE LOANS
04/03/2006  -  THE WINDOW OF BANK CAPITAL
March, 2006
03/31/2006  -  CUSTOMER ACQUISITION
03/30/2006  -  ALPHABET SOUP
03/29/2006  -  A FEW MORE STEPS TO GO
03/28/2006  -  TRUE STORY
03/27/2006  -  SHOUTING ABOUT M&A
03/20/2006  -  WHAT BUSINESS ARE YOU IN?
03/17/2006  -  ST PATRICK'S DAY
03/16/2006  -  BEHAVIORAL PSYCHOBABBLE
03/15/2006  -  FOCUSING IN
03/14/2006  -  LEAKY FAUCET
03/13/2006  -  ISDA LITE
03/10/2006  -  MATERIAL ADVERSE CHANGE
03/08/2006  -  GOING AFTER SMALL BUSINESS
03/06/2006  -  LOAN GRADES
03/03/2006  -  Segmenting Customers
February, 2006
02/28/2006  -  KNOW YOUR CUSTOMER
02/27/2006  -  ROLE OF THE CFO
02/22/2006  -  THE RITZ-CARLTON WAY
02/21/2006  -  CREDIT RELATIVITY
02/16/2006  -  HEDGING Q&A
02/15/2006  -  NO MORE BETS
02/13/2006  -  PROPER JUMPING TECHNIQUE
02/10/2006  -  SWITCHING UP
02/09/2006  -  IN SAM WE TRUST
02/08/2006  -  THE LOAN PRICING CHIMP
02/07/2006  -  SLICING AND DICING CUSTOMERS
02/06/2006  -  SUPER BRANDING
02/03/2006  -  FORMULATING A GOOD IDEA
02/02/2006  -  GROUNDHOG DAY
02/01/2006  -  HANDING OFF THE BATON
January, 2006
01/30/2006  -  ELECTRONIC NEWSLETTER
01/27/2006  -  WHY CUSTOMERS ARE A BEAR
01/26/2006  -  OF CIRCUS TENTS AND BANKS
01/25/2006  -  BANKING CLOWNS
01/24/2006  -  INTO THE CANNON
01/23/2006  -  HIGH WIRE ACT
01/20/2006  -  JUGGLING LIABILITIES
01/19/2006  -  YOUR NEXT CORPORATE OFFSITE
01/18/2006  -  GOING PRIVATE
01/17/2006  -  LOANS AND TIME
01/12/2006  -  NEW CUSTOMERS
01/11/2006  -  PLAYING THE LOTTERY
01/10/2006  -  LENDING THIS YEAR
01/09/2006  -  THE RULE OF AGREEMENT
01/06/2006  -  SAVING HEARTS AND CREDIT
01/05/2006  -  THE TAYLOR RULE
01/04/2006  -  iPOD BANKING
01/03/2006  -  HAPPY NEW YEAR!
December, 2005
12/30/2005  -  2006 LOOK AHEAD
12/29/2005  -  MODEL GOVERNANCE
12/28/2005  -  CLASSICS
12/27/2005  -  LET'S TALK ABOUT IT
12/23/2005  -  'TWAS A HOLIDAY THANK YOU
12/22/2005  -  'TIS THE SEASON
12/20/2005  -  DEAL OR NO DEAL
12/16/2005  -  ON THE CHIN
12/15/2005  -  LEMONADE FROM LEMONS
12/14/2005  -  ROULETTE WHEEL SPINNING
12/02/2005  -  PROJECTING
12/01/2005  -  CUSTOMER MAD DASH
November, 2005
11/30/2005  -  NANO CUSTOMERS
11/29/2005  -  INFLATION MEASUREMENT
11/28/2005  -  OLD BANK ANALYSIS
11/25/2005  -  BEHAVING LIKE A TURKEY
11/23/2005  -  CORRELATION
11/10/2005  -  METEOR CRATERS AND LENDING
11/09/2005  -  BIRD FLU MODELING
11/08/2005  -  BANKS VS AIRLINES
11/07/2005  -  BALANCING SCORECARDS
11/04/2005  -  SELLING YOURSELF
11/03/2005  -  WE NEED MORE TYING
October, 2005
10/31/2005  -  A SCARY DAY
10/28/2005  -  THE TIME MACHINE
10/26/2005  -  ADULT LEARNING PROCESS
10/25/2005  -  WHO IS BERNANKE?
10/20/2005  -  ADDICTION
10/19/2005  -  REFINANCING RISK
10/18/2005  -  THE RISK OF IOs
10/14/2005  -  ECONOMIC ERUPTION
10/13/2005  -  FIRING MISSILES
10/12/2005  -  NOBEL PRIZE WINNERS
10/11/2005  -  CUCKOO
10/06/2005  -  MERGER MATH
10/05/2005  -  THE ACQUISITION EQUATION
September, 2005
09/30/2005  -  ANOTHER KEY TO SUCCESS
09/29/2005  -  SEPARATING WHEAT FROM CHAFF
09/28/2005  -  INFORMATION SECURITY
09/27/2005  -  FUNDING CAN BE NUTS
09/26/2005  -  CRAZY LIKE A FOX
09/23/2005  -  CURVE BALL
09/14/2005  -  BRING THE HEAT
09/13/2005  -  THE BUZZ
09/12/2005  -  BEER AND BANKING
09/02/2005  -  THE AFTERMATH
August, 2005
08/31/2005  -  TRAIN WRECK
08/29/2005  -  CAUGHT IN THE TENTACLES
08/25/2005  -  BEST PRACTICES - ALCO
08/24/2005  -  ALCO MEETINGS
08/23/2005  -  CELL PHONES AND LENDING
08/22/2005  -  IMPROVING EFFICIENCY
08/05/2005  -  BRAIN SCANNING
08/04/2005  -  PREDICTIVE COMPUTING POWER
08/03/2005  -  PREDICTIVE CERTAINTY
08/02/2005  -  GOING INVERTED
08/01/2005  -  ASSUME
July, 2005
07/28/2005  -  THE PHYSICS OF DEPOSIT DECAY
07/27/2005  -  LOVE AND BANKING
07/26/2005  -  THE FACE OF CAPITAL
07/25/2005  -  ARMSTRONG ON MANAGEMENT
07/22/2005  -  BOOMER LEVERAGE
07/20/2005  -  SUPREME COURT V FOMC
07/19/2005  -  COMFORTING DATA
07/18/2005  -  LEARNING TO SHAVE
07/15/2005  -  THE CULT OF THE PERSONALITY
07/13/2005  -  LOOKING AHEAD
07/12/2005  -  ROCK STARS
07/07/2005  -  LOAN HEDGING WEBINAR
07/06/2005  -  FISHING FOR CUSTOMERS
June, 2005
06/24/2005  -  MORE-ON SOX
06/23/2005  -  INVESTING TIME
06/22/2005  -  LENDING IN TOP HATS
06/20/2005  -  SMART LENDING
06/16/2005  -  HERE COMES THE JUDGE
06/15/2005  -  ACTIVE CREDIT MANAGEMENT
06/14/2005  -  A BRAND PLAN
06/10/2005  -  INTEREST RATE UPDATE
06/09/2005  -  CUTTING HEALTHCARE COSTS
06/08/2005  -  BANKING EMPLOYMENT
06/07/2005  -  POWER OF EMAIL
06/06/2005  -  BALANCING RISKS
06/01/2005  -  DEEP THROAT
May, 2005
05/31/2005  -  THE ROLE OF LTV
05/27/2005  -  COMPETITORS AND MARKETING
05/24/2005  -  HOUSING BUBBLE
05/23/2005  -  DRIVING THE YIELD CURVE
05/12/2005  -  CREDIT LINES
05/11/2005  -  MORE CRE DISCUSSION
05/10/2005  -  COMMERCIAL REAL ESTATE
05/09/2005  -  HAMMER OR SCREWDRIVER
April, 2005
04/29/2005  -  FUNDING AND LENDING
04/28/2005  -  BOOMER PUZZLE
04/27/2005  -  JUDGING HOUSING
04/26/2005  -  RISK OR OPPORTUNITY
04/25/2005  -  THE GAME IS ON
04/22/2005  -  MULTIPLE CREDIT BUCKETS
04/15/2005  -  TAX TIME
04/14/2005  -  SOX AND BOARD INDEPENDENCE
04/13/2005  -  BRANCHES
04/12/2005  -  CROSSING THE FINISH LINE
04/11/2005  -  CUSTOMER PUZZLE
04/08/2005  -  BEAUTIFUL CURVES
04/07/2005  -  BANKING ON VOIP
04/05/2005  -  HELPING CLIENTS AND AMERICA
04/04/2005  -  MISTAKEN INDEXED DEPOSITS
04/01/2005  -  REGULATORY CHANGES
March, 2005
03/31/2005  -  KEEPING CUSTOMERS
03/30/2005  -  FAILURE OR RECOVERY
03/28/2005  -  CASH FLOW IDENTITY
03/25/2005  -  BANK BLOGGING
03/24/2005  -  BOOK 'EM DANNO
03/23/2005  -  BANKS AND THE FOMC
03/21/2005  -  DRIFTING AROUND
03/15/2005  -  YOUR HOST, JOHN McLAUGHLIN
03/14/2005  -  CFO CONFERENCE MADNESS
03/11/2005  -  TAMING INTEREST RATE RISK
03/10/2005  -  INTEREST RATE RISK
03/09/2005  -  SPEEDING BULLET
03/08/2005  -  OVERHEAD BIN
03/07/2005  -  SIX SIGMA ADOPTION
03/04/2005  -  YIELD CURVE BELLY DANCING
03/03/2005  -  COMO ESTA USTED?
03/02/2005  -  GETTING SPELLBOUND AT ALCO
February, 2005
02/25/2005  -  REGULATORY FOCUS
02/24/2005  -  ALL ABOUT LUCK
02/23/2005  -  AVOIDING A STUBBED TOE
02/22/2005  -  MODEL REVIEW
02/18/2005  -  THE AGENCY MARKET
02/16/2005  -  COMPETING IN SHAPE
02/15/2005  -  FLATTENING IN TIME
02/14/2005  -  MAKING ALL THE RIGHT MOVES
02/11/2005  -  Pac-Man
02/10/2005  -  TOO BIG TO FAIL
02/09/2005  -  CLONING THE BANK
02/08/2005  -  BON TEMPS ROULEZ
02/07/2005  -  LESS THAN A YEAR REMAINS
02/04/2005  -  SUPER BOWL BANK MANAGEMENT
02/03/2005  -  TACTICAL PHISH DEFENSE
02/02/2005  -  SEPARATED AT BIRTH?
02/01/2005  -  LOAN ALLOWANCE FORECAST
January, 2005
01/31/2005  -  GIRL SCOUTS AND DEPOSITS
01/28/2005  -  EXPENSIVE PROBLEM
01/25/2005  -  BORROWING MONEY
01/18/2005  -  CHICKEN TRAINING DEPOSITORS
01/14/2005  -  PASSWORD RISK
01/04/2005  -  THE ECONOMIC FUTURE OF 2005
01/03/2005  -  BANK PERFORMANCE IN 2004
December, 2004
12/31/2004  -  2005 PREDICTIONS
12/30/2004  -  PASSING JUDGEMENT FOR MONEY
12/29/2004  -  LOAN BOARD APPROVAL
12/28/2004  -  INCREASING LIQUIDITY
12/27/2004  -  LEARNING FROM THE ARMY
12/23/2004  -  REGIFTING
12/22/2004  -  OF EARTHQUAKES AND ROA
12/21/2004  -  OLD MAN WINTER
12/20/2004  -  MERGER DRUM
12/17/2004  -  INTERESTING STORY
12/16/2004  -  REINDEER GAMES
12/14/2004  -  'TIS THE SEASONING
12/13/2004  -  LAYOFFS ON EQUITY
12/10/2004  -  NO, NO, NO OR YES, YES, YES
12/09/2004  -  TRAVELING INTO NEXT YEAR
12/08/2004  -  MANAGING SHAREHOLDER RETURN
12/07/2004  -  INNOVATE BEYOND THE CUSTOMER
12/06/2004  -  SANTA'S HELPER
12/02/2004  -  BRAIN FOOD - HYBRID ARMS
12/01/2004  -  BANKING ON INSURANCE
November, 2004
11/24/2004  -  THANKSGIVING
11/23/2004  -  GIFT GIVING
11/22/2004  -  CLEANING UP EXPOSURES
11/19/2004  -  LEARNING TO MAKE MISTAKES
11/17/2004  -  SPREADING FEAR
11/16/2004  -  FASTER WITH KEYHOLE
11/11/2004  -  BACK UP THE TRUCK
11/10/2004  -  FUN IN 2005
11/09/2004  -  GREAT COACHING
11/08/2004  -  FROSTING THE CAKE
11/05/2004  -  MEASUREMENT STICKS
11/04/2004  -  LOAN CREDIT SHOCK ANALYSIS
11/02/2004  -  STAYING ON MESSAGE
11/01/2004  -  PURCHASING GROWTH
October, 2004
10/25/2004  -  CREDIT MIGRATION
10/22/2004  -  BANK EARNINGS
10/21/2004  -  A MOUSE IN YOUR HOUSE
10/20/2004  -  HEDGING RISK
10/19/2004  -  CAPPING THE WELL
10/18/2004  -  SIDEWALK DRIFTING
10/15/2004  -  MEET ED KOFMAN
10/14/2004  -  THE HALL OF FAME TERM SHEET
10/13/2004  -  MORE LOANS AND DEPOSITS
10/12/2004  -  CRAZY INVESTING
10/08/2004  -  SHERIFF JOE AND BANKING
10/07/2004  -  TRAVELING FOOLS
10/06/2004  -  DRIVING RISK MANAGEMENT
10/05/2004  -  THE HAND THAT MOVES BANKING
10/04/2004  -  HISTORICAL FODDER
10/01/2004  -  EXTINCTION
September, 2004
09/27/2004  -  PEOPLE ARE OVERRATED
09/24/2004  -  BLUE HAIR RISK
09/23/2004  -  FED FUNDS SOLD LEVELS
09/22/2004  -  ECONOMY AND TRADING
09/21/2004  -  CAN WE EARN YOUR BUSINESS?
09/20/2004  -  VALUE, VALUE & VALUE
09/17/2004  -  PADDLING ALONG
09/16/2004  -  FALCONS AND BANKING
09/15/2004  -  QUANTIFYING HERSTATT RISK
09/09/2004  -  MUD SLIPPAGE
09/08/2004  -  BID CONSTRUCTION
09/07/2004  -  WORKING THROUGH THE WEB
09/01/2004  -  MORE CUSTOMERS
August, 2004
08/31/2004  -  LOOPING BACK THE OTHER WAY
08/30/2004  -  GAMBLING OR PLAYING
08/27/2004  -  DEPOSIT EMISSION TESTING
08/23/2004  -  POLICING CD PROMOTIONS
08/20/2004  -  COMING INTO FOCUS
08/19/2004  -  DRIVE THE GREEN OR PUNCH OUT
08/18/2004  -  GET SMART
08/17/2004  -  DEPOSIT PRICING
08/16/2004  -  LIFTING A LOT OF WEIGHT
08/10/2004  -  TRIMMING FOR GROWTH
08/09/2004  -  THAT 70'S SHOW
08/06/2004  -  A LESSON FROM A PEER GROUP
08/05/2004  -  PEER REFLECTIONS
08/04/2004  -  THE XXX OF ACCOUNTING
08/03/2004  -  EARNINGS ROUNDUP
July, 2004
07/30/2004  -  PASSING MATH CLASS
07/29/2004  -  HISTORICAL REVIEW
07/28/2004  -  RED FLAG AWARENESS
07/27/2004  -  PLAYING BLACKJACK TO WIN
07/26/2004  -  BANK TECHNOLOGY REGULATION
07/23/2004  -  THINKING ABOUT RISK
07/22/2004  -  ONION PEELING
07/21/2004  -  DIAMOND IN THE ROUGH
07/20/2004  -  HARD HATS AND SHARKS
07/19/2004  -  BORED NO LONGER
07/16/2004  -  LOAN DURATION COMPONENTS
07/15/2004  -  THE END OF AN ERA
07/09/2004  -  PUZZLING OVER PROFITABILITY
07/08/2004  -  DEAL MAKING IN MOTION
07/07/2004  -  GETTING YOUR ATTENTION
07/06/2004  -  MAKING LEMONADE FROM LEMONS
07/02/2004  -  CONSISTANCY IN DIRECTIVES
June, 2004
06/22/2004  -  RISK IN REAL ESTATE LOANS
06/21/2004  -  RATE FORECASTING
06/18/2004  -  FROM THE TOOLBOX
06/17/2004  -  COUNTDOWN TO LAUNCH
06/16/2004  -  POWERFUL
06/15/2004  -  OF BLACK BOXES
06/09/2004  -  LEARNING FROM THE STREETS
06/08/2004  -  BANK PRICING MODELS
06/07/2004  -  PRIVATE BANKING