BID Daily Newsletter Archives

July, 2020

There is evidence that Viking men wore makeup. While we're not exactly sure why, it may have helped them with their warring duties in some way, shape, or form. Many banks have been working hard on their duties too -- counseling customers, doling out PPP loans, and working hard to ensure employees' safety. Amid these efforts, it's easy for a bank to feel like an island unto itself. In reality, we're all in this situation together. Bank Director's 2020 Compensation Survey helps to illustrate that; so, today we wanted to share some of the numbers so you could...

Risks are everywhere, even during a celebration like the Fourth of July. On average, 180 people need emergency room treatment every day during the month of July, due to firecracker injuries.There are innumerable risks with COVID-19 too of course. Some even expect its impact to lead to a deep recession, thereby increasing the likelihood that there will be more bank failures on the forefront. In light of this reality, community financial institutions (CFIs) should take the time to revisit their risk management plans. Even before the pandemic, the number of bank failures was already inching up, with 25 community banks...

June, 2020

The top 3 most stressful events in life are: 1) death of a loved one; 2) divorce and 3) moving. Of course, many of us would add stress testing your loan portfolios during COVID-19 to that list.Last Friday, the Fed announced the results of its annual stress test. While testing the big banks, the Fed came to the conclusion that they are strong enough to weather the continuing coronavirus crisis. Yet, loan losses could add up to $700B for them, so they clearly need to watch their capital levels. Although losses would not be that high for community financial institutions

Babies learn to smile before they can speak, so smiling must be important. We know that these times are not exactly smiling times, but, hopefully we can give you something to smile about (or at least make you feel less stressed) in regards to your margin.While some community financial institutions (CFIs) may already have been preparing for a possible recession before COVID-19, the speed with which the current economic crisis arrived caught everyone by surprise. The Fed's interest rate drops (combined with aggressive bond-buying) have helped backstop the economic fallout from the coronavirus, yet the interest rate squeeze on CFIs

As the well-known leadership guru Peter Drucker noted, "Management is doing things right; leadership is doing the right things." As we transition from crisis to recovery mode, communicating effectively is definitely one of the right things. Three months ago, we covered leading during a crisis. Here we are going to delve deeper into what is needed to reassure everyone during this transition, which will continue to be a time of uncertainty and angst for many staff members. As you are working through the logistical and practical details of the recovery process, keep in mind these facets of good

At the end of last year, a parking space in Hong Kong sold for almost $1MM. Costs definitely vary, depending on where you live.Businesses are thinking about this too, lately. As remote work proved to be a viable option for many businesses over the last few months, several of them are contemplating making this practice more permanent for at least some of their staff. This could change some of their staffing costs. Is this an idea you have been contemplating too?One big company is making a dramatic shift on this front. Facebook's CEO, Mark Zuckerberg recently announced that

A few years back, a math class did an experiment and found out that Double Stuf Oreos are only 1.86x greater than regular Oreos. Crunching the numbers is not only important to Oreo-loving math students, but also to bankers.Bankers have been crunching the numbers a lot lately, especially with the new Paycheck Protection Program. We know many of you have been working with your small business customers with these PPP loans and will need to help some of them with loan forgiveness too. So, we wanted to provide you with six pointers to help shepherd those borrowers through the loan

In the 1800s in Ireland, people used turnips to carve jack-o-lanterns instead of pumpkins. I am guessing that turnips were a bit larger than they are today, as things change over time. Society can change over time too, as is evident with the recent shift in public sentiment. Over the past year, the values of tolerance and equality have increased in importance for the US population in general. According to consumer intelligence firm Resonate, 53.7% of the population deemed equality as an important value as of June 2, while 52.3% deemed tolerance as an important value. Equality rose 10 points

In an average lifetime, the human heart beats about 2.5B times. In these times, it may be beating faster than usual, but small businesses may have a reason to bring it back down to normal. Bankruptcy has just gotten easier for small businesses. A new Subchapter V bankruptcy code took effect in February of this year and is available to small businesses that fall within lower financial thresholds. While it falls under Chapter 11, Subchapter V is more streamlined, simpler, and less costly than Chapter 11. Subchapter V could help small businesses with loans from community financial institutions

Opossums don't officially "play dead" as rumored. They actually faint due to overexcitement. Since some branches have been temporarily closed or operating at a reduced level, bankers may be overexcited to reopen their branches and resume full-service levels too. But, things will be different as they do.What this means will differ by region and institution. So, today we provide a couple of examples along with a short checklist to get you started. We found that one Midwestern FI has reportedly begun to repopulate its offices, starting with 9% of its remote workers. The institution has had to work

We were amused to find out that a newborn giant panda is only as big as a stick of butter. Boy, what amazing growth! Voice search devices such as Amazon Echo and Google Home have also had amazing growth. When they first came on the scene a few years ago, they were novelties, but today they are widely used by consumers. Not only are they using voice searches to gather information, but also to make purchases and even execute banking transactions. Furthermore, the adoption is poised to increase, especially with the surge of all things digital due to COVID-19. Given

It has been reported that coyotes outrun roadrunners by 23 mph. Similarly, community financial institutions (CFIs) seem to have outpaced both regional and big banks when it comes to PPP loans. Though the deadline for the PPP approaches and demand has slowed, great opportunities still exist. Today we discuss where to locate more demand, possible new legislation, and looking beyond the PPP eligibility period.The latest SBA PPP report shows $130B is still available, after over 4.5MM loan approvals. With an estimated 30MM+ small businesses in the US, more businesses may still be in need and qualify. The SBA shows 56K

The oldest customer complaint, which was carved into a clay tablet, actually dates back 4000Ys to Mesopotamia. While we don't expect you to get many (if any) of these complaints, with more digital banking users these days, you have surely provided additional customer service. COVID-19 and the need for physical distancing forced many people who had previously resisted mobile banking -- particularly seniors -- to adopt online banking, mobile apps, and even cashless payments. But as branches reopen, community financial institutions (CFIs) will need to be proactive if they want to keep seniors engaged with digital banking. Out of

The summer months usually include lots of ice cream. So, we thought it was interesting to learn that sphenopalatine ganglioneuralgia is the medical term for brain freeze or ice cream headaches. All of us have likely experienced this strange sensation. But, bankers will likely be experiencing sensations of another kind -- relief -- if the transition to SOFR (Secured Overnight Financing Rate) is pushed out due to COVID-19.The end of LIBOR (London Inter-Bank Overnight Rate) as the common benchmark index for loans and other transactions was supposed to be in phase-out mode this year. Then the coronavirus hit. Financial institutions

Herbert and Zelmyra Fisher of NC have the Guinness World's Record for the longest marriage -- 86Ys. They both have since passed, but what a successful union! Another type of union, bank M&As, was expected to flourish in 2020, until COVID-19 occurred.Bank M&A activity ground to a halt as the coronavirus crisis arrived. The economic upheaval may be a short-term damper though. A recent report by Deloitte suggests that the urge to merge is still there and financial institutions (FIs) that are ready to grow may find opportunities later this year as weaker institutions look for lifelines. Indeed,

A recent study from the University of Copenhagen shows that after exercise, a body automatically cleans up its muscles so they stay healthy. While staying healthy physically is important, lenders know that it is also important to stay healthy financially.With this in mind, in this issue of Insight & Inquiry, we share some questions from lenders nationwide and provide you with our insight. Q: When are lenders going to start charging off loans? A: The St. Louis FRED database provides charge-off rates on Commercial and Industrial ("C&I") and Commercial Real Estate ("CRE") loans for "banks not among the

Did you hear that a buried treasure worth millions was actually found in the Rocky Mountains? We didn't think things like that happened. While the latest technology is not exactly buried, it is a treasure that many bankers realize they need more than ever. The COVID-19 global pandemic has expedited the banking industry's reliance on and utilization of a multitude of technologies -- from security measures to amplified digital banking capabilities. In a matter of days, community financial institutions (CFIs) had to equip employees to work from home securely, and satisfy a surge in digital banking demand. This confluence of

According to a recent poll by Gallup, 55% of Americans say they own stock. This has been pretty consistent over the last decade too. Just as not every American owns stock, not every community financial institution (CFI) counts wealth management services among its offerings. However, for those that do, now may be the right time to review your wealth management plans, as fee income becomes more important.While the wealth management industry uses a variety of compensation models, charging a percentage of assets under management (AUM) might be the most common. According to Simon-Kucher research, average AUM fees have declined from

There is a 40-pg Guinness World Records document explaining the definition of a waffle for waffle competitors. We know that bankers have enough documents to read these days, especially with the PPP, but, we found it interesting nonetheless.Community financial institutions (CFIs) have done great work so far with the Paycheck Protection Program (PPP). Entrepreneur magazine reports that many borrowers have had better luck in accessing some of the nearly $700B set aside for small businesses by working with smaller financial institutions (FIs). In fact, the SBA reports that 44% of all PPP loans were provided by institutions with assets under

Since 2012, Boring, OR and Dull, Scotland have been sister cities. Yet, negative rates are anything but boring and dull.The pandemic has weighed profoundly on the global economy and several central banks are starting to think of Plan B, including negative interest rates, in case the economic recovery falters. Since we don't often hear about negative interest rates in the US, today we dig into this topic to try to answer the question: Will negative interest rates happen in the US?Negative interest rates are generally used when governments fear deflation, and they have exhausted other options. The idea is that

We were surprised to find out that newborn babies have almost 100 more bones than full-grown adults. This allows babies to curl up in the womb and then be more flexible during delivery.These days, it seems bankers need to be more flexible too. With COVID-19, many colleges are already weighing the possibility of switching to all virtual classes in the fall. With virtual college life, community financial institutions (CFIs) will need to rethink their approach to recruiting college graduates. In the same way that many jobs across the country quickly morphed into remote positions in response to the global pandemic,

In the ruins of Pompeii, ancient versions of takeout restaurants were excavated. Apparently, the Italians were way ahead of us in the convenience provided by their restaurants. As restaurants, along with other businesses, are starting to open up, we are all waiting with bated breath. How will they adapt? Can they modify as needed, even as they open and more information becomes available on safety practices? Will employees feel comfortable coming back? There are many questions to answer. While we can't answer these questions, we wanted to provide you with some interesting stats on the CRE market in May along

The Oscar Statue costs $400 to make, but it must be offered to the Academy for $1 before reselling it elsewhere. Not a great resale value, but the benefits in receiving one go beyond that $1. Similarly, community financial institutions (CFIs) may not be making much money by administrating small business loans through the Paycheck Protection Program (PPP). However, many are motivated by the chance to help small businesses survive -- while reaping other potential long-term benefits.Long-Term Relationships. Problems with the PPP launch underlined the value of personal banking relationships. Certain business customers missed out on the first round of

There are lots of different types of clouds: cumulus; stratus; stratocumulus; and nimbostratus, among others. But, the clouds getting all of the attention these days are cloud services. It is a different time, to be sure. With businesses pushed to work remotely, cloud services have increased dramatically. In fact, Microsoft noticed a 775% increase in demand for its cloud services during the crisis. Like many businesses, community financial institutions (CFIs) may have turned to cloud service providers to streamline some of their workflow processes as they manage business off-site too. Cloud Strategy. To start, it is important to have a

May, 2020

A British study indicates that chewing gum could increase your concentration. Whether it will be due to chewing gum or not, we figure businesses will need to sharpen their concentration to be sure reopening will be successful. As non-essential businesses are beginning to open back up, they require new protocols and it looks like technology will play a major role in these efforts to keep customers and employees safe. While practices such as wearing face masks and stepping up disinfecting are expected for any business reopening, businesses also need to control the number of people they let in. To help

Hibernation takes place in winter, but estivation (summer sleep) takes place in summer by snails, earthworms, and frogs among others. It may sound tempting to slumber through summer, but lenders are still busy. With unemployment numbers high, businesses still struggling, and uncertainty still remaining, many banks have been assessing the situation and tightening their lending standards. As you review your situation, we wanted to give you some highlights of the Federal Reserve's latest Senior Loan Officer Opinion Survey on Bank Lending Practices, to help you navigate these unchartered waters.According to data from the Fed's report, as of

The letter "Q" is the only one in the alphabet that is not used in any US state name. We had to double-check that, so if you want to sneak away and check, we understand. Another thing you'll want to check is if you are still considered a remittance transfer provider, according to the regulations. On May 11, the Consumer Financial Protection Bureau (CFPB) updated its remittance rules which could affect some community financial institutions. If you currently provide under 100 international remittance transfers (such as wires or international ACHs) per year for consumers, nothing will change. Yet,

Many people have been busy with DIY projects, as they spend more time at home -- painting walls, putting up a backsplash, transforming a backyard living space, etc. To make it easier and safer, many DIYers have been using mobile credit card apps during the pandemic. But, they are not the only ones.Even before COVID-19, according to a PYMNTS and Elan payments report in December 2019, 102MM consumers (40.5%) had downloaded a mobile card app. These days, with physical distancing and just now loosening stay-at-home orders, along with fears of cash as a coronavirus contaminant, mobile card acceptance

As of May 10th, Gallup reports that 72% of Americans were happy compared to 67% as of April 5th. This improved emotional health leads to higher consumer confidence and will help businesses (including financial institutions) as they start to reopen.According to a survey from the American Bankers Association, 42% of bankers believe they will have employees back in branches and resume regular business operations within 30 days. An additional 31% of bankers predict this will occur within 60 days and 10% of bankers think it will be more like 90+ days before this happens. But while returning back to

We have heard there are beaches in the Maldives that glow in the dark. Right about now, it would be nice to enjoy some beach time. But, it looks more like stress testing time than beach time. While there are routine things to look for when stress testing in today's world, there are also some new areas to address. In order to help you with this, today we provide you with our six Stress Testing Tips for COVID-19.Sensitivity Testing. COVID-19 is an example of the need to do sensitivity testing as well as scenario testing. For instance, can my portfolio

Did you know that goldfish can tell the music of one composer from another? Maybe not. But, all bankers know that the coronavirus is creating a symphony of risk these days.In considering the impact of COVID-19 on virtually all aspects of life, we find ourselves using words like "unprecedented." With this new reality, we also feel compelled to view credit risk in a much different way than ever before. With such a critical task, in such an unknown (and developing) environment, it is valuable to have the right approach and not rely solely on what we have done in the

We thought it was interesting to find out that a group of ferrets is called a business. They must be very busy creatures indeed to form so many businesses. While you ponder that thought, we turn to the latest Fed program to help another kind of business -- small and medium-sized businesses.As part of the CARES Act, the Fed is willing to fund up to $600B as a participant in qualified loans, where the Fed (through a Special Purpose Vehicle) will purchase up to 95% of eligible loans, thereby sharing in the credit risk alongside the "lead lender." This lending

New Zealand kea parrots are known to sing to others when they are in a good mood, making them the first known non-mammal species to communicate "with infectious laughter," according to a study published in Current Biology. Meetings are no laughing matter, but they are a good way to communicate, especially with a greater number of remote workers. Yet, with the increased distance, they can also be more challenging. So, today we provide you with a guide for remote meeting management to keep performance and productivity up. First and foremost, you should determine if a meeting is needed. While this

Today, people often see teddy bears in windows. The teddy bear hunt is going on in neighborhoods globally, to perk up children (and adults) who feel disconnected. Creativity and fun don't discriminate.A virus doesn't discriminate either. Yet, men and women are enduring different physical, economic, and social fallout from the COVID-19 pandemic. The results of these differences will likely impact the business environment and economic recovery. Physical. Men and women have strikingly different COVID-19 death rates. In the US, 2x as many men as women have died from COVID-19 as of mid-April. In Western Europe, men represent about 69% of

We found out that having 10 or more trees on your block can actually make you feel as healthy as someone 7Ys younger! We are not sure how they figured this out, but this is according to a study reported in the nature journal, Scientific Reports.We don't have to tell you that the world of commercial real estate (CRE) lending has changed virtually overnight given the coronavirus, making you likely feel at least 7Ys older. Many local businesses with long histories of success had to close, and others followed. It is anticipated that many businesses will not recover given a

Did you know dogs sneeze to show they are play-fighting? So, no need to worry about your pooch, if you hear him sneeze.Unfortunately, one thing you still need to worry about is cybercriminals. COVID-19 has provided a major opportunity for these bandits. Many of you have likely been hearing this, so we wanted to share the latest information. According to "The Cyber Threat Impact of COVID-19 to Global Business," from cybersecurity firm IntSights, cybercrime has ramped up significantly with the outbreak. From targeted phishing efforts to phony coronavirus mobile apps, malware, and more,

COVID-19 has affected our everyday lives in many ways. We are spending more time online (for work and with friends), baking more often (flour and yeast has been sold out in many areas), and honing our skills as personal hairdressers (with some interesting results). The coronavirus has definitely changed things. One of the ways it has changed life for business owners is that many business owners need loan modifications quickly. If you are like many community financial institutions (CFIs), you are looking for nimble and diverse ways to help your customers with this need. Interest rate swaps give you a

Starbucks opened 85% of its stores last week, with new protocols like online orders, pick-up, and drive-through only. If you have been longing for a Grande cup of caffeine these past weeks, hopefully, you have now satisfied your craving. While Starbucks isn't a small business, it looks like businesses are starting to open up again. So, today we report on the state of the small business. It is definitely a difficult time to own one of the 31mm small businesses in the US. While ordinarily, these firms provide about half of the nation's gross domestic product, during the coronavirus

American consumers seem to be mixed on the economy right now. While 70% feel we are in a recession, 48% believe things will get better over the next six months, according to Gallup. How this influences their behavior will play out in the next few months. In the meantime, we wanted to bring you some highlights of recent COVID-19 consumer behavior changes. Practical & conservative spending. The Commerce Department reported that in March consumer spending dropped 7.5%. At the same time, it reported that personal income decreased by 2%, the largest decrease since 2013, as employers started to lay off

People have discovered new hobbies during this crisis: making candles, gardening, photography, baking, among others. Now may also be the time for you to discover new ways to use your existing remote work practices as a competitive advantage in recruiting and employee retention.Community financial institutions (CFIs) have sometimes struggled with recruiting fresh talent -- particularly for positions in IT, cybersecurity, and other in-demand fields, and in rural areas. At least 60% of the CEOs surveyed by PwC for its Banking and Capital Markets Trends 2019 say it has become much more difficult to hire qualified employees in banking

Because of the issues around COVID-19, the REAL ID deadline is pushed out to October 2021, according to Homeland Security. This is one of many changes due to COVID-19. Loan modifications have also changed.Many lenders have already completed COVID-19-related loan modifications to help their borrowers. These are short-term accommodations granted to borrowers who had been performing previously, but are now experiencing hardship. Normally, these modifications would likely be labeled a Troubled Debt Restructure (TDR); but, temporary regulatory guidelines are suspending that requirement. Many bankers are finding that there is a complex web of inter-related issues when considering these modifications

Did you know there is a website that showcases artists whose shows had been canceled due to social distancing? Social distancing has affected us in many ways to be sure.Social distancing hasn't only impacted our daily routines either; it has also impacted our health. While it has definitely helped to curb the spread of the coronavirus, other health impacts have not necessarily been as good. After nearly two months of working from home and social distancing, people are starting to feel some of the longer-term health effects. Most people are reporting some level of insomnia, nightmares, fatigue, anxiety, loneliness, and

There is a common belief that stress turns your hair gray. Well, a Harvard study seems to have confirmed this. Stress damages the pigment in the hair follicles, which in turn can lead to gray hair. Any more gray hair out there these days? Well, we hope we can reduce some of your stress by answering a few of your questions. Q: So many of our customers are now working remotely. What are some ways we can best support them?A: Certainly, remote check deposit and digital banking are low-hanging fruits. Beyond that, community financial institutions (CFIs) might consider offering accounts

In 1968, Mr. Propst invented the Action Office System, which became the office cubicle and provided "a social kind of privacy" for employees. The cubicle is likely to have a resurgence in 2020 as businesses start opening up after weeks of lockdown orders.Some businesses and companies have already started reopening, but things will be different. There will be social distancing, and masks and temperature protocols in place. Since many of your customers have commercial real estate, we thought we would share some of the ways office design and practices could change due to COVID-19. Furthermore, you may find that these

April, 2020

Interesting fact: the earliest scripts of Back to the Future portrayed the time machine as a refrigerator instead of the DeLorean. I guess that shows one way adjustments are made. On that note, we continue talking about adjustments made around COVID-19 in the banking industry. After yesterday's discussion on customers, today, we discuss the shifts financial institutions (FIs) have made. The spread of COVID-19 and the subsequent lockdown pushed many financial institutions to increase communication channels, embrace new technologies, and firm up business continuity. Some of these are likely to continue as FIs have integrated and tested them

Fossils show sharks existed 450mm years ago which is 2x as long ago as dinosaurs. Just as those were likely uncertain times, we are experiencing our own. Luckily, it feels like we may soon see the light at the end of the tunnel. In preparation for that, in a 2-part series, we address the shifts customers and financial institutions (FIs) have made due to this crisis and which ones are likely to continue even after the crisis. Today, we start with customer behaviors that are likely to remain.Using two-way video. At the end of last year, just 17% of bank

The COVID-19 crisis has been tough on our kids. Some tips to help include: allowing them to develop new hobbies, talk about the importance of their role in the family, and support them through the uncertainty.This crisis has also been tough on our employees. As this crisis continues, it is more important than ever to keep up morale among your teams. It is complicated with a spread-out workforce. But, it is crucial as employees may feel more isolated and disjointed from the rest of their team. Not only that, Smarp.com, an employee communications platform, found that companies having

Long before this crisis, community banks were already actively helping those who were the most vulnerable, and they continue to do so. Today, we focus on many of those banks and round out Community Banking Month by saying we are truly grateful for all community banks and their local outreach. Employees at Exchange Bank in CA get paid time off to participate in a long list of charitable events, including United Way's Day of Caring and the American Cancer Society's Relay for Life. Last year, the bank donated $826,620 to more than 300 organizations.Employees can wear jeans

Did you know that eggplants are considered berries? So are avocados, tomatoes, chili peppers, and bananas. While you consider a fruit salad including eggplant and chili peppers, we thought we would discuss social media use during COVID-19. You may not think now is the time to work on your social media skills. However, now may be the ideal time. We have found three ways that community financial institutions can use social media through the COVID-19 pandemic.Provide customer support. Using social media as another way to provide customer assistance is important as people look for help. Make sure to include accurate

We found out Lego has an underground vault with 500 iconic sets for viewing. What a cool way to keep them all together! Similarly, many commercial real estate (CRE) borrowers are trying to keep their investments together these days.It is not easy for your CRE customers given the current COVID-19 and economic situation. Certain businesses are doing better than others; generally, grocery stores are still busy, while restaurants have taken a big hit. As you know, it is important to know how your business customers are doing, especially your CRE borrowers. According to the

Are you like many Americans who have eaten a few more baked goods since the stay-at-home restrictions? Doing our own research on this, a one-pound loaf of banana bread is quite easily consumed in a day. While on the topic of consumption, there seems to be a lot of economic news to consume these days too.The stream of news may be constant, but the total economic impact of the coronavirus crisis is still unknown. It is difficult to balance between social distancing to keep people safe and not waiting too long for the economy to recover. While several economists have

In a Gallup poll from April 3-5, 71% of Americans said that they would "wait and see" what happens with the coronavirus before getting back to a routine, even after the government lifted COVID-19 restrictions. This hesitancy to change is understandable when you consider the tremendous changes we have experienced in the past few weeks. Cyber risks have changed too, so reviewing your data security plan for coronavirus-readiness is critical. While most community financial institutions (CFIs) had a formal data security plan before the outbreak, cyber risks have since increased as staff moved to working remotely. But, CFIs can make

At a time when community support matters more than ever, community banks show that they have always been stepping up to take care of the world around them. To continue our Community Banking Month coverage, we highlight good works around children/students, financial literacy and support. However, we know that all community bankers support their communities in many ways, so we thank you all!In TX, Worthington National Bank collected school supplies and more than 638 boxes of cereal for the local charity, Communities in Schools. First Reliance Bank in SC held its annual Soup Day, a charity

While you may still be thinking of ways to get that prized hand sanitizer, Durham Distillery, makers of Conniption Gin, quickly realized that they could help out. Their gins come from 95% corn-based ethanol alcohol -- plenty to kill viral germs. Just bring your own #2 plastic bottle with a sealing lid and sign a waiver. They certainly have a good message to communicate.During this pandemic, communication has focused on being immediate, urgent and short. This was necessary as a lot of information was coming through and needed to be shared quickly. However, once things start leveling off a bit,

Need more sleep? Maybe a hammock could help. Scientists found that a hammock's rocking motion actually provides nappers with a deeper sleep than in beds. So, while you start your online search for hammocks, we bring up the discussion of evaluating your customer profitability post-COVID-19.While you may not be thinking of customer profitability as much these days, customer relationships are always important. Right now, you are working on filling the immediate needs of your business customers, which is crucial. PPP loans, loan modifications, and line extensions are all likely often discussed to ensure that your banking customers stay in business.

Cisco reported that there were 5.5B meeting minutes on Webex the first 11 business days of March. Can you imagine what that number looks like now? Technology is definitely being pushed to new heights with the heightened levels of remote working, and it doesn't stop there. The development of technology within the banking industry has long been on the rise, but the COVID-19 crisis is stepping it up in new ways that could have a long-term, global impact.As countries scramble to contain the coronavirus, some places have turned to geolocation and data analytics to help with their efforts. In the

On April 10th, the Federal Reserve Bank hosted a webinar to provide more details on the Paycheck Protection Program Liquidity Facility ("PPPLF"), which is the upcoming facility provided by the Federal Reserve System to allow lenders to pledge their PPP loans in exchange for liquidity. As not all lenders could attend, we would like to recap some of the key points for you (subject to change as terms are updated or revised).First, it is important to understand that PPP and PPPLF are distinct programs (though obviously related). PPP loans are made by lenders to your small business borrowers. These loans

The CDC reports that there are 18mm healthcare workers in the US. While it is also the fastest-growing sector, in today's world, they are working harder and longer than ever before. They are all really making a difference out there.While the world is still managing through the effects of the coronavirus, today we wanted to specifically remember the difference that local bankers make in their communities throughout the year. Some work at food banks, others organize financial literacy programs, and still others donate blood, distribute school supplies and build houses for humanity. This month is Community Banking Month, so we

During this pandemic crisis, it is imperative that bankers remain cognizant of all changes in directives and rules affecting our industry to properly manage liquidity and capital. These rules and statements are coming fast and furious almost every day, so keeping up is very difficult right now. We are providing the information as it comes, but here is a quick recap below: The Fed announced that they are pausing examination work in community banks for the next 30 days and extending the time to respond to non-critical findings.The FDIC released an interagency statement and FAQs on

As the world struggles with the economic devastation caused by COVID-19 in just a few weeks, the federal government has provided important assistance with the Coronavirus Aid, Relief and Economic Security (CARES) Act. This $2.2T economic stimulus package was designed to help many individuals and businesses that are already feeling the impact of lost income. The CARES Act enables financial institutions to help small businesses with $350B in assistance.Here are a few of the most important aspects for you and your customers: The leverage ratio for community banks has been temporarily decreased to 8% from 9%. The creation of

A former athlete in the UK ran 26.2 miles (a marathon) back-and-forth in his small 20-ft backyard on April 1st. He did this in an effort to raise money for the National Health Service to fight the coronavirus, and the event was live-streamed. People are finding interesting ways to address the needs of today. We have some other ways you can address the needs of today -- for your employees and customers.Q: What are some ways community financial institutions (CFIs) can keep their customer service quality high during the coronavirus? A: It all starts

You may have heard that ravens in captivity can actually be trained to speak better than parrots. That said, they may not be as fun to live with.You have likely also heard that the Federal Reserve and the FDIC are permitting 30-day grace periods for FR Y-9C and Call Reports. It's great that the regulators have listened to bankers. If you're like us, you'd prefer not to use the grace period and have as much normalcy as possible. But each institution needs to do what it needs to do.For those of you who are finalizing your financial statements,

During the '70s, crocheted blankets, lava lamps, and TV dinners were all the rage. The Brady Bunch was the show to watch and the Bee Gees were "Stayin' Alive." Did that exercise distract you a bit from today's crisis? That was the intent, as one of the ways to help you with your wellness. Crises often give leaders many avenues through which they need to lead. The health and wellness of your staff is definitely a top priority for this particular crisis. As we find ourselves past the first few weeks of the coronavirus, it could be a good time

Did you hear of the two big Navy 1k-bed hospital ships headed to LA and NY respectively? They will likely make a big impact.Big banks are also making an impact as they deal with COVID-19. Let's look at what the big banks are doing, to see if there are things that can be done on a smaller scale too.Helping Customers: Many banks are waiving fees and deferring payments, upon request. Some, such as BBVA, will offer penalty-free withdrawals of CDs, while others like Santander will increase the ATM withdrawal limits and waive wire fees. Others are helping by increasing credit

The coronavirus has taken us by surprise. Bankers are working hard to support their customers as many business customers are unprepared for this unprecedented economic impact. As we mentioned yesterday, we recently asked community bankers to tell us their top three concerns with regards to COVID-19 that regulators should know.Today we continue with the feedback we received from bankers on their most important regulatory concerns. If you weren't able to read the first part of this two-part series, Community Bankers Ask Regulators for Help - Part 1, feel free to do so now. Other Regulatory Relief - Bankers

While it is April Fool's Day today, we are not fooling you on some of the latest regulatory developments. The coronavirus crisis has created lots of questions. So, on March 22nd, we asked community bankers for their top three concerns with COVID-19 that regulators could help them address. We received hundreds of responses, which we sent to the regulatory agencies promptly, so they could hear directly from community bankers. Today, we wanted to start summarizing the feedback in a two-part series. Look for part two tomorrow.There are many thoughts on how to assist borrowers including, loan modifications, deferred payments, and

March, 2020
03/30/2020  -  Remote Work Practices
03/27/2020  -  Leading During A Crisis
03/18/2020  -  BEC Compromise - An Update
03/16/2020  -  Big Banks Report On CECL
February, 2020
02/13/2020  -  MasterCard's Digital ID
02/12/2020  -  Employee Fraud Prevention
January, 2020
December, 2019
November, 2019
11/20/2019  -  Big Data And Capital
11/18/2019  -  Stress Testing Tips
October, 2019
September, 2019
August, 2019
July, 2019
07/26/2019  -  LCR, HQLA And Munis
07/25/2019  -  Board Self-Assessments
June, 2019
06/27/2019  -  Low-Cost Deposits
06/26/2019  -  The Limitations Of WARM
May, 2019
April, 2019
04/01/2019  -  De Novo Banks - An Update
March, 2019
03/29/2019  -  Is It A Good Year For M&A?
03/28/2019  -  Time For HSAs
February, 2019
January, 2019
December, 2018
November, 2018
October, 2018
10/04/2018  -  Ubiquitous BSA/AML
September, 2018
August, 2018
July, 2018
June, 2018
May, 2018
05/01/2018  -  A Taste For C&I
April, 2018
March, 2018
February, 2018
02/01/2018  -  Shopping For Fraudsters
January, 2018
01/22/2018  -  Movement For State Charters?
01/19/2018  -  Faster Employee Feedback
December, 2017
November, 2017
October, 2017
September, 2017
August, 2017
July, 2017
June, 2017
06/06/2017  -  Driving Away Synthetic Fraud
06/02/2017  -  R-E-S-P-E-C-T
06/01/2017  -  Re-envisioned Branches
May, 2017
05/22/2017  -  Faster Business Speed
05/19/2017  -  Of Growth And Efficiency
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