BID Daily Newsletter Archives

November, 2019

Scientists have developed a structure that operates similar to an octopus. It senses, computes and responds without direct instruction from a central processor. This stretchable material senses touch and strain and could be used for things like soft robotics to prosthetic devices.As with octopus tentacles, customers in rural areas all around the US are already familiar with the reach of mobile services, and nearly 90% own smartphones. But, how do urban and suburban customers interact with remote services? Community bankers constantly monitor these things, as they formulate the mobile portions of their businesses.Banking deserts have spread throughout rural America. In...

A study by a university in Singapore finds children who are told lies by their parents tend to lie more as adults. They were also found to be more disruptive, experience guilt and shame, be more selfish and manipulative. Looks like telling the truth is still good.The truth about recession has ramped up as well recently. While talk of a pending recession is nothing new and has been circulating among economists for the past few years, now the biggest banks are talking. Some of the largest banks are now predicting that a recession is likely to hit within the next...

Scientific researchers have developed a small nanolaser that is capable of functioning inside living tissue. The laser could be used to sense disease biomarkers or treat neurological disorders deep within the brain such as epilepsy.As your team maintains a laser focus on compliance, we offer some thoughts around best practices to better ensure your bank is not only following regulations--but also minimizing risk.First, conducting compliance audits during times when there will be no other reviews, including examinations from bank regulators, can not only prepare you, but also reduce team stress. How often audits are conducted depends on the risk profile...

Like the kink you can get in a garden hose, Alzheimer's researchers have found an amino acid that pushes out water as people age and forms a sort of molecular zipper that can get a kink. While scientists don't know how to fix it yet, knowing this could lead to breakthroughs. Farmers also use a lot of water and are good customers of community banks nationwide. This customer base has also taken on near-record levels of debt in recent years. As commodity prices and trade wars put them under additional pressure, bankers are looking at options and closely monitoring things....

Scientists have discovered that drugs like aspirin may lessen the adverse effects of ambient particle matter from air pollution on lung function by as much as 50%. Now you know.Other things to know that we have been asked by customers:Q: My bank is thinking about switching to a national charter from a state one. What are some of the top considerations?A: When banks talk about switching charters, it's often from federal to state. But, for certain banks, there may be valid reasons to consider a switch to a national charter. Banks considering such a change are typically larger and may...

For the first time in 160Ys, the number of people in the average US household has increased from 2.58 to 2.63. Of course, back in the 1800s that number used to be closer to 5.79. In short, the population is growing slightly faster in the number of households.No matter how many people live in your household, at your bank people tend to drift in and out all day long. When doing so, we note that people hate waiting in line and may think they are waiting longer than they are. Indeed, people consistently overestimate how much time they actually spend...

October, 2019

In case you were wondering, the average person in the US will move about 11x in their lifetime compared to about 4x for people living in European countries. Most people move locally within the same metro (41%), followed by long distance (23%), a nearby city (19%) or move regionally (17%).Lately, the Fed too has been moving rates around, as the economy shows some signs of slowing. Lurking below the surface is the Fed's tool of last resort - countercyclical capital buffers.Fairly new to the Fed toolbox, this measure allows regulators to raise capital requirements for the largest banks to help

You may not have thought about it, but the average square footage (sf) per employee in North America is about 150 sf/person. Large offices can be up to 400 sf in size, while small ones can be 90 sf.No matter how much or little airspace you have at work, we know that bank margins increasingly have less and less, while competition is intensifying. As such, you may want to consider another source of potential revenue--offering products and services to people who are currently unbanked or underbanked. A growing number of banks are offering innovative deposit and loan products to this

The average person has about 27 conversations each day that last about 10 minutes each. Also interesting - each person uses about 16,000 words per day in those conversations.No matter whom you talk to today, when talking to regulators it makes sense to be somewhat prepared. For example, if you've ever found yourself scratching your head over some of the questions and methods used by bank examiners, you can gain a better understanding of why and how they do what they do simply by looking at examination policy manuals. So, with that, we wanted to highlight the new Part VI

According to researchers, the average person knows about 600 people. That said, people say they only know 10 to 25 people well enough to actually trust them.When it comes to using alternative data, some financial institutions don't trust it very much, while others are tinkering around some. For those seeking to serve more customers--especially Gen Zers without much credit history--this can offer an option perhaps. There are companies whose lending-as-a-service platforms use alternative data, such as education and employment history, which can show borrowers can indeed meet their obligations and be good customers. Machine learning is also used to make

There are an estimated 7.7B people in the world today, so given the reach of the internet that is good news for community banks, no matter where you may operate. Perhaps closer to home though, there may be an opportunity in gaining and retaining college-educated staff. Consider that there are more women in America than men, and women as a group are now more highly educated than men. However, companies still find it more difficult to retain women in long-term and senior positions than they do their male counterparts. When it comes to attracting and retaining qualified women,

The ability to bounce back or how resilient you may be was researched by leadership development company, BetterUp. It found people who have low resilience are 4x more likely to experience burnout. Raise awareness at your institution and be sure to check in on employees to see if some of yours can be helped.Banks are quite resilient, particularly so when it comes to small business customers. In this area, we note a report from the NY Fed on nonemployer firms (establishments without employees on payroll). Nonemployer firms are an important part of the economy, despite only representing 3% of annual

Community banks thinking about ramping up video marketing might be interested to know a few facts. For instance, 45% of people watch more than 1 hour of videos a week and 87% of online marketers use video content to boost engagement.No matter your efforts in video, reaching customers remains important, especially when it comes to small to mid-sized businesses (SMBs). After all, SMBs are acting more globally, even as they continue to think locally. As such, community banks are recognizing that their most lucrative and appealing SMB customers and prospects may also benefit from foreign bank note services too. With

As you work on strategic planning for the next few years, one area to discuss is probably how to ramp up word of mouth opportunities with your customers. After all, McKinsey finds word of mouth is the primary factor behind 20% to 50% of all purchasing decisions, so it is critical to have a plan.Another critical area for banks is enhancing and building the digital experience for customers. The industry has spent a lot of time and money on efforts to enhance the digital banking experience for customers, yet only 25% of consumers believe there has been any real improvement

Since you are always looking to get new customers and retain existing ones, we want to point out that Neilsen reports 92% of consumers trust referrals from people they know, and people are 4x more likely to buy when referred by a friend. Mapping out your customers and trying to figure out who their friends are could be an easy way to boost business in 2020.Another area of focus for banks that is boosting business is mobile banking. The key here though is that app features can either greatly satisfy customers or turn them off.Offering too many features can actually

Community bankers are always trying to provide the best customer service, so as a gentle reminder this morning know that research finds: 33% of people will consider switching after just one instance of poor service, and after just one negative experience 51% of people will never do business with that company again. Stay on your toes out there and remind staff.Another area where community bankers are providing good service is in the payments arena. Here, we note that the US Payments Forum recently published data on the state of EMV chip adoption in the US and other trending

These days, people often look to the internet to search for health related ailments. In fact, Pew Research finds 80% of people say they have searched for a health related topic online, looking mostly for information on a specific disease/problem (63%) or treatment/procedure (47%).No matter what you look for today on the internet, one area that can pay off for your bank could be international payments. This is one area where, for many years, the biggest banks have captured and retained customers more than community banks. Given how much commerce is handled online, this needs to change and we can

As you ponder where to get lunch today, know that the government warns people most at risk for getting food poisoning, according to the data, are those who have kids 5Ys or younger, have immune systems weakened by illness, are 65Ys or older, or are pregnant. Be careful out there.As you analyze the risk of CECL and its impact, we offer our third and final article covering the AICPA's main points from their CECL practice aid. If you would like to read the previous articles, Management's Role When Outsourcing CECL or Taking a Fresh

It seems German researchers find taller people are less likely than shorter people to get diabetes. We kid you not--for every 4 inch increase in height above the average, men have a 41% lower risk of diabetes and women have a 33% lower risk. Strange data point don't you think?All day long bankers struggle to deal with other strange things, such as cyber threats. The good news is that more banks are sharing intelligence about them. But, there are still many banks whose board and management are nervous to tell others about what they've experienced. Many are also worried that

A study by the University of Chicago finds people who tend to anticipate feeling guilty about things tend also to be the most trustworthy. Of note, these people are not actually guilty about something, but rather anticipate feeling that way in given situations. For their part, community banks should not feel guilty in any way for working to level the technology playing field with bigger banks. One area perhaps is in the latest ATM advancements.Consider the fact that Diebold's DN Series of digitally-connected ATMs are built on a software and service-driven model that make them even more convenient for customers

In an odd twist, a recent study finds people are much more likely to return a lost wallet to its owner when it has more money in it. When a wallet has $100 in it, the likelihood is 72% vs. only 51% when it has less than $15 in it.People are interesting and as part of the never-ending quest for greater productivity and efficiency at work, most people over-schedule their days, leaving little, if any, free time for themselves. As it turns out, doing so can actually be counterproductive and can burn people out. According to The Harvard

It turns out that research by Policygenius finds people are 10x more likely to break up with someone if they think their partner is bad with their finances. Of note, about 20% of people say they think their partner is financially irresponsible.For financially responsible bankers we note that the AICPA released its 63-page CECL practice aid recently, so we share a few key messages today. This is the second BID in a series of three. You can find the first one here called, Management's Role When Outsourcing CECL. CECL loss estimates will need a lot more

You inherently know that being happy and positive is better for your health and business than being negative or pessimistic. Research from the University of Illinois supports this and finds optimistic people are 76% more likely to have good health scores, better blood sugar and cholesterol levels and other positive benefits than those who are pessimists.On a similar note, business optimism seems to ebb and flow these days. Surveys abound showing various levels of small business optimism. Three months ago, a report by Provident Bank found 80% of small business owners were anticipating higher revenue over the next

CNBC reported earlier this year that while 75% of Americans manage their own finances, only 17% said they use a financial advisor. Many business owners that work with communtiy banks also fall into this group, so providing education and help can benefit you and them.It also seems that people are spending more time at their place of business. That is exactly why banks of all sizes are instituting so-called "bank-at-work" programs to engage customers in the workplace and potentially accelerate growth. While community banks have more business customers than consumers, this may be a way to expand both.Indeed, according to

Research by the University of Scranton finds a huge 92% of people who set New Year's goals never attain them. It seems most people set goals that are too vague or too challenging. Add to that a heavy dose of procrastination and no support system, and you can see how this occurs.Back in 2009, the Fed set a goal to add liquidity to the system. If you recall, back then the Fed started the transactional account guarantee (TAG) program that allowed banks to deposit excess funds. This was after the Great Recession, so the insured deposits for excess funds was

An insurance study by Life Happens and LIMRA finds that while a whopping 84% of Americans say most people need life insurance, only 59% actually have it. Maybe it is procrastination, apathy, or a fear of death itself, but it does show people don't always do what they probably should. While we aren't telling you what to do this morning, we are providing insights in response to questions we received. We hope you find them helpful, as you sip your morning coffee or tea.Q: How can I ensure my customer service is as robust for my mobile channels, as it

A study by market research firm OnePoll finds 11% of people have never traveled outside of the state where they were born, and 13% say they have never flown in an airplane. In this day and age, that is pretty shocking. But, it also reminds us how interesting human behavior can be.In like fashion, the humans at the AICPA made a CECL practice aid available the 2nd week of September. This 63-page document provides a lot of good information for banks, but it may be a bit overwhelming to read too. So, we thought we would highlight

The Census Bureau reports about 13% of US adults have a master's, professional or doctoral degree. That shows there are plenty of smart people roaming around the country, so community bankers might want to brush up marketing efforts to find a way to capture them as customers. On another matter, banks should also brush up on a growing number of state privacy laws pertaining to the use of fingerprints, iris scans and voice prints to authenticate employees or customers - because your bank could face significant lawsuits even for technical violations.So states Chubb's latest Cyber InFocus Report, "Know the

September, 2019

The top five favorite types of cheese in the US in order are cheddar, mozzarella, american, pepper jack and provolone. We know that this is kind of a cheesy way to open today, but we hope you had fun with it, nonetheless.Melted cheese can be sticky and the Fed has produced a guide to help banks improve the stickiness of recruiting and retaining community bank board members. It has listed 24 attributes that make an "ideal" director that includes such things as: financial and business acumen, independent thinking, and connections with community businesses and industries. Missing from the list:

The typical skunk can spray about 10 feet, so if you are messing with one be sure to at least stand 11 feet away to be safe from the stink.In banking, as we round out Q3, we thought it would be thought-provoking to see how far we have come from the stinky spray that hit everyone about 11Ys ago. As we all remember vividly, the downfall tied directly to the subprime mortgage crisis, fake AAA credit ratings, and a high degree of market leverage. As home prices tanked, homeowners were unable to make payments or sell their home so foreclosures

In the world of meteorology, a temperature inversion occurs when air temperature increases when you are higher above the ground vs. what you would expect to see - a decrease in temperature when you are higher above the ground.Bankers are facing their own inversion these days, as the world struggles to make sense of that fact that short-term rates are currently higher than long-term rates.The question in this environment is whether a bank can meet customer demand for fixed-rate loans while also improving yield over the next several years, if the economy softens. Hedging offers a solution worthy of consideration,

You may not know it, but Science Daily reports that if your eyes could see gamma rays, the moon would look brighter than the sun. It also reports that gamma ray bursts are a form of electromagnetic radiation studied by astronomers.Another thing that bankers study relates to the belief that millennials and members of Gen Z would not follow in the footsteps of generations before them by purchasing cars, homes and taking on long-term debt. That may not be the case, as there is growing demand for loans among younger borrowers. While this is good news for all financial institutions,

Scientists have figured out that neurons in the spinal cord help transmit signals to the brain to tell it when an itch needs to be scratched. Also interesting, scratching an itch turns off the nerves that transmit the sensation to the brain.Sometime you just have to scratch an itch, and given the massive level of discussion about the benefits of using artificial intelligence (AI), bankers have begun to explore it further.AI is here to stay and consumers seem to be just fine with that. People are rapidly embracing it for everything from security measures to customer service. As AI becomes

Some things happen later today than previously in history. Back in 1960, the data shows people got married at about 21Ys old and now that is closer to 28Ys - about 9Ys later. You may have read that somewhere, but it might not have been linked to another fact. The life expectancy in 1960 was just under 70Ys old and today it is just under 79Ys - about a 9Y difference. Ponder that one.As you do, we shift gears to look at bank board members. We are not talking about age, but rather about personalities here. Sometimes even the

Things have changed a lot in the past decade. Look no further than the fact that 81% of Americans own a smartphone today vs.

Anchoring is a cognitive bias humans have where they rely or anchor too heavily on an initial piece of information when making decisions. Perhaps Google was doing something like this when it attempted to prove that bosses aren't actually necessary.Instead, it wound up proving the exact opposite to be true. Google discovered that managers, who are able to empower their employees without micromanaging, are extremely effective at helping employees to be more efficient and productive. To do this, managers need to give employees a sense of empowerment and autonomy by delegating projects and being more hands off than the average

Employee turnover at fast food restaurants can be as high as 150% each year. That's right, some of these business owners have to hire their staff each year and then replace half of those new hires again before the year is over.In banking of course jobs are much more stable, even when industry pressures mount and competition runs high. One area where pressures have been bubbling is how best to leverage the data you might need for CECL to support compliance and hopefully even drive in more profits.Banks must assess risk over the life of a loan or security, so

There are 10k baby boomers turning 65Ys old every day. For those who retire in that group, Fidelity Investments estimates each person will spend about $142k on healthcare through the rest of their lives. Some days you can feel much older than other days, so no matter your age we thought we would share.Bankers have to deal with all sorts of things during the day and one of the biggest is around anti-money laundering (AML) rules and regulations. These can be tough to meet for any community bank, particularly when clever criminals are trying to work around your defenses. But

Psychologists say the human personality comes from five major traits of openness to experience, conscientiousness, extraversion, agreeableness and neuroticism. You can have bits and pieces of each and that is what makes people different and fun to be around.In the world of marketing, different traits can help differentiate one entity from another - even when it is the same global entity. Look at how Marriott and Hilton have sub-brands that cater to different audiences, but are the same underlying brand. Perhaps community banks may want to consider sub-brands too - provided the costs to do so aren't too great.For example,

A survey by US Bank finds 50% of respondents say they carry cash less than 50% of the time. For those who do carry cash, 76% said they have less than $50 on hand, and almost 50% carry less than $20. People just use credit cards now more than cash.Another thing people are doing more of now in banking relates to video usage. That makes sense when you consider more people use video chat technology now than ever before. Today, 40% of customers say they would prefer video for doing at least one financial activity, according to Forrester research. That's

Our office has gone business casual unless we have guests visiting. When on the road for customer visits, we still wear traditional business attire. We bring this up because staffing firm Randstad finds 33% of employees would rather have a casual work dress code than an extra $5,000 in pay. If it seems like things are changing rapidly at the workplace, consider that the same is true across the industry. Take for instance, merger activity. There have been lots of bank mergers in the last few years and it's not just the number, but the speed of those mergers has

The US Armed Forces incorporate the following service branches: Air Force, Army, Coast Guard, Marine Corps and Navy. On this day in particular, try to find someone in uniform if possible and thank them for their service, if you get a chance.Primary bank regulatory agencies include the Fed, FDIC and OCC, but today we highlight issues affecting community banking as part of the FDIC's recently held advisory committee meeting. One topic that caught our attention was an update on the FDIC's efforts regarding de novo or new start-up institutions. Historically speaking, de novo activity has been trickling back

After a number of years, cell phones seem to get clogged with apps and other tracking devices that slow down performance. People keep their phones for about 4Ys, so this is critical. One easy idea is to periodically back up pictures and videos to free up space and boost performance. As you check your phone to see what you might be able to do to boost performance, we note that banks have done all sorts of things to boost their performance as well. We share some recent efforts by Aspiration that really caught our eye here. Aspiration prides itself

Did you see the statistic that about 7% of the US population each year is a victim of fraud or other scams? This is just a gentle reminder to remind your customers and your employees to be vigilant out there to avoid the bad actors.On the good actor side of the coin, we turn today to how awesome community banks are at serving small businesses to help them grow and succeed. Here, there are great opportunities to grow by either becoming exporters or importers -- or both -- to countries all over the world. Small businesses are at the forefront

People love their pets so much that 67% say they understand their pet and 62% say when they speak, their pets understand them. That might be ok though, because one survey finds that people who talk to their pets may also be smarter.To gain some insight into ways to enhance your communication with your customers, we highlight the findings of a survey by Yes Marketing of financial services customers. Referrals are key. Markedly, 43% of respondents said they first heard about the financial services provider they most recently started using through a recommendation from friends or family. This is important

Americans sure sit around a lot. Consider that 70% say they hate sitting at work, yet 86% do so all day. In fact, people sit about 13 hours each day in total, between work, watching TV, driving around or using the phone/computer.When it comes to banking, you can expect more lively action from customers and staff, particularly when someone says they are thinking about closing their account. While it may seem logical, experts say the wrong way to approach this is to ramp up the pressure to get an explanation. Sure you want to make amends and solve any potential

When evaluating how bad things are in a given area after a big storm, the Federal Emergency Management Agency (FEMA) among other things takes a look at Waffle House restaurants and operating hours. The more that are open, the less the storm has impacted the region. As you enjoy your breakfast waffle this morning, we shift our discussion to point out that community banks don't have the same capabilities as the big banks when it comes to an ability to mine data. That said, it certainly doesn't mean you can't remain competitive on this front too.One area that will eventually

Have you wondered the percentage of people who sleep with their cat or dog? If so, you will be interested in research by the American Pet Products Association that finds 62% of people do so. That is even more good news when you consider research by the Mayo Clinic finds doing so may actually improve your sleep.Switching our topic to banking matters, we take a look at a few interesting questions and hope our insight helps you sleep a little better at night.Q: What is your process for new product/service development? We know that regulators want to know this, but

August, 2019

The brain can really mess with you. Look no further than work done by psychologists at the University of Notre Dame. They found that when people open a door and walk into another room, their brains may clear the slate to deal with whatever is going on in the new location. That is why you may sometimes forget what you walked into the room to get in the first place.Community banks on the other hand never forget the value of small and medium-sized business customers (SMBs). When it comes to credit cards, SMBs have long resisted card payments, due to

When you next stare up at the stars on an amazing night, know that there are 500,000 pieces of space junk orbiting around Earth too. Know also that there's about a 1 in 1B chance in your lifetime that you could get hurt from falling space trash. You can't always control what falls in and around you, but hopefully you can control the trust your employees and customers have in you and your institution. Trust is incredibly important, because when employees trust the company they work for they are more productive and less likely to leave. Customers are also more

Working can be hazardous to your health at times. Research by the Bureau of Labor Statistics (BLS) ranks such things and finds fatal work injuries most often results from transportation incidents (41%); followed by falls, slips and trips (17%); violence and other injuries by persons or animals (16%) and contact with objects or equipment (14%). Risks are everywhere so be careful out there.Speaking of risks, today we look at enterprise risk management (ERM). Yes, we know ERM is not required for most community banks, but more are choosing to implement such programs as a means to reduce risk and increase

People can be pretty predictable, but they can also do strange things at times. Consider that a study by Logitech finds 50% of people who lose their remote control for their TV find it stuck between the couch cushions. Odder perhaps, 4% find the remote in the refrigerator or freezer and 2% find it outdoors or in the car.As you think about the last time you lost your remote control and where you found it, we switch channels to discuss capabilities community banks are adding to open deposit accounts digitally. Offering an easy way to click and switch can make

It has been our experience over the decades that the typical bank exam is about 3 weeks long and involves about 15 to 20 examiners. Regulation is part of the fabric of the banking system and bankers often tell us quietly that exams can be a burden, but most also readily agree it is just part of the whole process of being a bank. For community banks at least, the Fed is now looking to reduce some of that burden for state member community banks under new guidelines for bank examiners.The Fed issued a regulatory letter in June

Lots of digital technologies can enhance the customer experience, but where is the line? Well, Celent research finds 60% of customers are ok with bank personnel using tablets to greet them by name with a customized experience, and 50% like the idea of using a mobile app to compare branch wait times.People have adapted to all things digital it seems. For instance, look at "self-driving" (on demand) payroll. It gives employees access to their pay on the fly whenever they want. As you consider whether your bank should offer this too, know that fintechs such as DailyPay and PayActive are

About 80% of people say they will seek personal engagement when trying to figure out things like loan options, according to Celent research. That is good news for community banks that are all about strong relationships.Given recently wild shifts up and down in market rates, that could mean some commercial real estate (CRE) customers may soon be contacting your team to talk about such things. When they do, know that competition has heated up and many competitors are likely easing underwriting standards and lowering loan prices to capture business.However, looser standards on CRE loans could lead to credit quality deterioration

Whether it's a relationship or a soda-pop, when something is said to go "flat" it usually means the fizz or the specialness has gone out of it. Hence, when economists the world over observe that the yield curve itself has flattened, eyebrows throughout the financial industry rise. It's been nearly four months since the famed yield curve, which plots bond yields from shortest maturity to longest, inverted for the first time in nearly a dozen years. The yield curve is considered a barometer of economic sentiment, and this turnaround has been seen to signal a potential massive slowdown for the

Scientists trying to figure out what sort of traits make people more attracted to one another have found that when it comes to faces at least, most people generally prefer: average faces that are either symmetrical or asymmetrical, are familiar and simple. We just found that interesting.Another interesting thing we want to surface for discussion today revolves around bank usage of social media as a tool for attracting and communicating with younger customers. We bring this up because new research finds people actually using social media and the specific platforms they use could surprise you. To begin, we look at

Digital transformation is all the rage right now as financial institutions work to retool themselves to meet fintech and other competitors head on. The goal is to maximize/better leverage human resources, as you streamline/automate basic processes and enhance the customer experience along the way. As your team works to do that very thing at your bank, a recent Accenture report serves as a good reminder to also keep a close eye on digital security too. The report discusses how various threats could evolve in the future, so understanding where financial institutions are most vulnerable is a good starting

A FinanceBuzz survey finds people are willing to give up things when asked what they would trade for an early retirement. Some of the more expected ones included things like: go 2Ys without buying anything new (36%), take on a second or third job (33%) and move to lower cost of living area (27%). Meanwhile some of the crazier ones were give up coffee and alcohol (28%), not have children (13%), give up pets (11%) and give up a car (6%).Before most bankers can retire, they will probably need to capture more new customers. Here at least, you

A whopping $68T in US wealth will be handed down to heirs and charities over the next 25Ys, according to Cerulli Associates. Those calculations were probably tricky to do, but perhaps not as difficult as the math required by banks when they do work on their ALLL. Perhaps even trickier in nature are the qualitative factors banks must deal with under the current Incurred Loss model, as well as with the newer CECL calculations coming online shortly. There are some differences, however, in ways that are important for community bankers to understand. The purpose of Q factors doesn't change in

National Geographic says those cute furry critters known as hedgehogs live about 7Ys, have prickly spines for protection, are mostly nocturnal and are found in Europe, Asia and Africa.A different sort of hedging for community banks can also add protection. Here, a cohesive, overall hedging strategy can reduce the negative impact after sudden changes in interest rates. Implementing a strategy involves determining the economic risks your bank faces, which risks are of most concern and what negative outcomes would hurt your performance the most. Hedging strategies typically consider portfolio and loan level approaches. Once you've decided on a hedging strategy,

To keep you informed, we note a survey by Verizon that finds 63% of people surveyed now say they don't care about the channel they use when interacting with a business, as long as they get through quickly and easily. Speed matters it seems.Speaking of things moving quickly and staying informed, today we once again bring you our new Inquiry and Insight feature. This month we focus on phishing, FASB's delay of CECL, and online lending competition. We hope the answers to these questions give you some additional insight in your business. Feel free to send us other questions you

Earlier this year, the ICBA asked community bank executives to rank their biggest challenges (up to 3 responses). Those at the top were: increasing loans (38.8%), keeping up with technology advancements (35.6%), complying with regulations (34.4%), increasing earnings (30.0%) and attracting/retaining qualified staff (30.0%). Given market shifts and changes through June, we are not sure how your bank stacks up now on these, but it is interesting nonetheless to compare.Another interesting comparison in banking surfaces when you consider the status of contactless payment cards 12Ys ago when they hit our shores vs. today. It took over a decade, but it

FDIC data shows that since 2010, the largest 6 banks have captured 79% of the growth in domestic demand deposits. Today, this group has increased their overall market share from 66% to 74% over that same time. Also of note, 77% of deposit transactions at Bank of America are reportedly done using digital devices today. As you ponder the shifting trends around customer deposit activity over the past 9Ys, in another area of the bank, your team may also be thinking about what constitutes unfair, deceptive, or abusive acts or practices (UDAAP).It's good to brush up on the details, as

Understanding curves of all sorts can be challenging or it can be relatively easy. After all, curves can be simple, compound, reverse, transition, spiral, sag, crest, parabola, cycloid, hyperbolic spiral and others. There are just all sorts of curves out there.In banking, profit and performance can be rocked by market movement, so the yield curve is one of the most closely watched of all types of curves. To understand the potential impact of the yield curve, we took a look at some results from our relationship profitability model used by hundreds of bankers nationwide.As we conduct training on our

PwC research finds 50% of people over age 35 say they choose their primary bank based on local presence of a branch or ATM vs. only 30% for those younger than that. For this younger group, the research finds 50% choose their primary bank based on friend or family recommendations instead of branches/ATMs.As you think about what marketing efforts you have underway to target customers both under and over age 35Ys old, we look as well at how important it is to form good memories for customers when they have experiences with your team. According to the findings of Nobel-Prize

We saw a weird story about research that found even identical twins process the food they eat differently. There are huge differences it seems between people of all types as to how they respond to sugar or fat for instance and even more so when you consider the time of day. That is really strange when you consider identical twin DNA testing results have 99.99% similarity. It seems the more people are compared to one another, the more room there is for differences to appear. Consider Gen Z (born 1997 to 2012), also known as post millennials. These are the

The world keeps moving along and technology advances are moving right along with it. Only a few years ago, digital assistants like Alexa, Echo, Dot, Siri, Cortana, Home and others surfaced and now people are using their voice to do a whole bunch of new things, including banking services. In fact, JD Power reports almost 30% of bank customers are now digital only and at large banks, like Bank of America, that percentage is as high as 55%. It is something to think about.Another thing to think about in banking revolves around community bank efforts related to community involvement -

Yesterday we let you know that banks above $10B meet about 8x per year vs. 12x for other banks. Given greater complexity at larger banks, it makes sense for community banks to see if it is time for a change. To help, we crunch some real numbers:Preparation: Assume there are 5 major teams in the company compiling pieces of the board package - Finance, Lending, Risk, Branches/Operations and Sales/Marketing. Assume 1 person is assigned from each group to pull the package together. Assume that person takes 8 hours to do so for Finance and Lending and 2 hours for the

The employee fabric of community banking and of your customers has been and will continue to profoundly change. Look no further than the fact that in 2015 the number of millennials in the workplace surpassed baby boomers to move into the majority for the first time. Roll that forward another 6Ys (2025) from now and millennials will account for 75% of the global workforce. Maybe it's time to revisit your HR practices, succession planning and product/service delivery as you adjust and adapt.Speaking of adapting your efforts of all sorts, one that is often ignored, but should not be, is the

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
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  -