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Banc Investment Daily Archives

November, 2018

November 15, 2018  -  Authenticating The Two-Factor Text

Statista research finds the percentage of the US population with a social media profile is running at about 77% right now. Even more interesting perhaps is that it declined from 80%, as of the end of 2017. Maybe we aren't as social as we once were or maybe this is a result of the largest social media platforms deleting accounts they are unable to authenticate.Speaking of authentication, in banking, we note that many banks no longer rely solely on passwords anymore. Today, banks rely more on two factor authentication (2FA). This type of authentication checks a user's identity...

November 14, 2018  -  Passwords And Customer Privacy

People typically use a few tricks to remember their passwords. Pew Research finds the most common ones are: memorize the password (86%), write it down (49%), save it in a note on a computer or mobile device (24%), save them in their internet browser (18%), or use a password management program (12%).Passwords are one way to authenticate someone to maintain their privacy. In banking, stringent privacy laws that are being enacted in the US and abroad are starting to force banks to question what they need to do to prevent running afoul of regulators and law enforcement.Indeed, since General Data...

November 13, 2018  -  Keeping Ahead Of The Competition

Competition data can be interesting. eMarketer research finds that through the middle of this year, the top US company market share based on percentage of ecommerce sales belongs to Amazon. They have a whopping 49.1%, followed by much smaller players that include eBay (6.6%), Apple (3.9%), Walmart (3.7%) and Home Depot (1.5%). Now that is market share dominance!In banking, competition comes from inside and outside of the industry. In the competition for small business customers specifically, it is good to know that community banks still have close relationships with customers and that it is still a defining advantage. Yet, research...

November 09, 2018  -  Absorbing And Sharing BSA/AML Resources

Community bankers hear all the time about how regulations are being eased, but we wanted to put it to the test. We went to one regulator's website and looked at the number of pages of regulations bankers had to absorb in the first half of the year and then doubled it to approximate the annual load. Drum roll please... your team will need to deal with about 1,500 pages of rules just to keep up. We thought you might be interested to know how much you were dealing with as a team this year, as you prepare for 2019. Good...

November 08, 2018  -  All Things Digital...To A Point

We don't have to tell community banks that everything digital is all the rage. Look no further than statistics compiled by HubSpot: Wordstream research finds using videos on landing pages increases conversions by 86%, and according to Google, 50% of mobile users visit stores within 24 hours when using local search. In banking, digital has become more deeply embedded into lending than ever before. As such, many banks seem to be adding, extending, and upgrading online and mobile offerings to better compete. But a recent survey by the FDIC suggests small business lending may not be all things...

November 07, 2018  -  Tariffs, Construction Loans And Materialism

We found some odd facts that show people really like to collect stuff. For instance, the LA Times reports the average American home has about 300,000 items and the NY Times reports 10% of Americans rent offsite storage to hold all of their junk. As if that weren't enough, the Department of Energy reports a whopping 25% of people with two car garages don't have room to park cars inside them. Materialism it seems is alive and well in America still.When it comes to materials of another sort in banking, consider that higher tariffs on steel and aluminum are pushing...

November 06, 2018  -  Voicing Concerns Over A New Rising Fraud

The human voice is interesting. For instance, singing is believed to be right hemisphere dominant, while speaking is from the left. Further, conversational speech is about 60 decibels, but the loudest scream ever recorded reached 129 decibels. Finally, the English language has about 40 distinct sounds. Speaking of voices, you may also find it interesting that the rate of voice fraud has risen more than 350% from 2013 to 2017, according to an annual fraud report by Pindrop (voice security and authentication firm). Banks in particular have seen voice fraud rise swiftly. Consider that from 2016 to 2017,...

November 05, 2018  -  Ambidextrous Community Banks Lending More

As a reader of this publication, you know we enjoy pointing out interesting statistics to help keep you engaged. With that in mind, take a look around your office today. As you do, consider that about 10% of your coworkers are left handed, while a mere 1% are officially ambidextrous (no dominant hand whatsoever). Enjoy the day no matter which hand is dominant for you.Speaking of dominance, the ICBA reports that community banks make almost 50% of small business loans, so it remains big business. Just how big wasn't really known, until recently. A new FDIC survey found...

November 02, 2018  -  Traveling Through Same Day ACH Payments

A movie out now focuses on NASA's mission to land a man on the moon and in particular, it focuses on the life of astronaut Neil Armstrong. We aren't here to plug the movie, but it did get us thinking and researching. Did you know that there have been 536 space travelers (not including aliens) overall and 12 of those have walked on the Moon? When you next stare up at the stars, or at the Moon for that matter, consider that closer to home bankers travel daily to the world of ACH with customers. To catch up on the...

November 01, 2018  -  Studying Up On CECL And Strategic Planning

According to a Bankrate study, the most valuable college majors are: actuarial science, zoology, nuclear engineering, health/medical programs and applied math. They were judged on average salary, rate of unemployment among graduates and percentage of higher degree holders. Although banking and finance weren't among the top five, they are still important - especially in a competitive banking environment.No matter your educational background, most community bankers are starting to prepare for the test of CECL and are collecting additional loan data. The good news is that extra data collected can not only be used for these calculations, but also for strategic...

October, 2018

10/31/2018  -  Sweetening The 401(K) Benefit For Student Debt

Using cumulative online surveys of the worst Halloween candy, candystore.com boiled it down to: circus peanuts; candy corn; wax cola bottles; Necco wafers; peanut butter kisses; tootsie rolls; smarties; and licorice. Whether you agree or not, it will be interesting to see how many make the rounds in your neighborhood tonight.Now that you are thinking of all things sweet, in the world of banking at least, some experts have turned sour on the amount of student loan debt in the US. After all, it has tripled over the past 10Ys and it also impacts many employees (who are still chipping

10/30/2018  -  Sniffing Out The Latest In SMB Payment Providers

Dogs have an amazing sense of smell. That makes sense since they have about 300mm olfactory receptors vs. a measly 6mm for humans. Researchers have known for a very long time that dogs are really good at using their noses to sniff out drugs, bombs and other things. Now though, researchers are finding out they can also sniff out disease, such as malaria from socks worn by those infected and even cancer by smelling your skin. Dogs have truly pushed their snouts to the next level!When it comes to offering digital payments, small to mid-sized businesses (SMBs) have gone to

10/29/2018  -  Hot Small Businesses

Inc. Magazine's list of the hottest industries to start a small business is thought-provoking. They crunched data from experts, fast growing sectors, investors and entrepreneurs and identified the following as the best: canned wine, disaster relief, beauty tech, eSports, elderly care, alternative-protein food products, influencer agents (turning social media followers into profits), and women's reproductive health care. Now you know where to focus your lending efforts in the coming year!As you think about these interesting areas, we continue the conversation on small business lending and competition. To do so, we switch to data from the recently released Community

10/26/2018  -  "Lyfting" SMB Lending

Lyft just announced a subscription based transportation plan. For just $299 per month, you can get up to 30 rides for up to $15 each. Lyft claims this would be cheaper than owning a car. The idea of course is to attract people of all ages, leverage the digital world and keep customers coming to Lyft. Just as Lyft is doing with its customers, bankers know that small and medium-sized businesses (SMBs) are also important to attract and keep. While SMB lending has long been the lifeblood of community banking, the appeal of this sector has made it a hard-fought

10/25/2018  -  Walking Through Web Forms For Success

Have you heard about the eco-friendly sneakers, Allbirds? They are made of wool, eucalyptus and even sugar. This company started online over 2Ys ago and has now opened a 4,800 sq. ft. flagship store in NYC with a "service bar" and plans to open 8 more stores. Given the number of retail closures these days, this sure is interesting and positive to hear - even if small.No doubt, Allbirds has a smooth online process for its customers, which helped its success. This is something that banks are working on as well to attract and keep customers in this rapidly changing

10/24/2018  -  A Whale Of A Salary Or Not?

If you were wondering which animals are the largest of their kind in the world - wonder no more. Live Science has ranked them and you might be interested to know the largest living animal in the world is the blue whale at 100 feet long. Other interesting critters include the biggest bird (albatross), rodent (capybara), fish (whale shark), marsupial (red kangaroo) and snake (reticulated python).In the world of banking, some employees may feel their salary is large, while others may not. To get a better perspective, we take a look at two recent surveys that show similar trends. A

10/23/2018  -  Climbing Into The World Of Invisible Biometrics

The tallest mountains in the world are Mount Everest at 29,029 feet, followed by K2 (28,251), Kangchenjunga (28,169), Lhotse (27,940) and Makalu (27,838). While the readers who are climbers already probably knew that, we ran across it and found it interesting, so we wanted to share.As you prepare to climb your work mountain today, we delve into the world of biometric security. It wasn't that long ago that biometric security measures such as scanning an individual's iris or fingerprints were considered cutting edge. But, this is definitely not the case anymore.The capabilities of cybercriminals have improved quickly, so new security

10/22/2018  -  Sporting Around With Microsites

The World Atlas ranks the most popular sports in the world based on the estimated global following. We note the top 5 are: soccer (4.0B), cricket (2.5B), field hockey (2.0B), tennis (1.0B) and volleyball (900mm). The strength of these sports globally is interesting, but doesn't necessarily translate to the US.As a community bank, your institution's strength is in its customer relationships. So, it seems natural to bring up personal microsites. These are individual web pages functioning within your bank's larger, existing website. These provide your bank with another way to enhance and solidify your customer relationships.Both community banks and larger

10/19/2018  -  The Impact Of SMB Digital Payment Usage

We talk quite a bit about technology because everyone is using it and it is definitely having a huge impact on banking. That's one reason we were interested to see research by Pew that found 99% of those 18-49Ys old own a cellphone, 97% use the internet and 82% use social media. That's a lot of socializing!In social circles around town, there is some good news for community banks when it comes to digital payment usage and small-to-medium businesses (SMBs). According to a recent survey, SMB usage of digital payments surged 38% from 2017 to 2018

10/18/2018  -  "Lettuce" Talk About Specialty AG Business

If you like to eat your vegetables, you will be happy to know that the US Department of Agriculture tracks which ones are the most popular. In order, the favorites are: potatoes (48%), tomatoes (27%), onions (8%), head of lettuce (7%) and carrots (5%). For those who aren't big fans of the vegetable, at least you have some trivia to drop on your friends during lunch.It's no secret that Midwest agriculture has been hit recently. In other parts of the country, however, crops such as apples, peaches, berries, citrus, grapes, nuts, and avocados seem to be doing just fine. A

10/17/2018  -  Whispering Global Digital Banking Learnings

President Teddy Roosevelt once said, "Speak softly and carry a big stick." It seems Amazon's virtual assistant Alexa must have been listening, because it is getting a whisper mode. That's right, Alexa will whisper back when you speak softly to it. We are not sure about the stick part, but we are interested to try our quiet mode on this gizmo.In banking, the volume has been turned all the way up to loud though, when it comes to digital transformation these days. According to a report by The Economist, one of the top investment categories for bankers is

10/16/2018  -  The Precision Of A Data Security Sweet Spot

It seems our long lost relatives, the Neanderthals, were not just a bunch of grunting brutes. A study that analyzed bones found they had a precision grip very similar to our own more modern day variety. It seems we still have much to learn!In the world of cybersecurity, bank teams are always learning to keep up with bad actors too. After all, it is often difficult to know how much security is too much. This is important when you consider a recent survey from FICO. It shows how fed up consumers are with the security hoops they need

10/15/2018  -  Rats And Loan Grading Systems

It has long been known that cats eat rats. But, a new study finds that is not the case in New York City. It seems these rats are bigger, so scientists found the cats were scared of them and were instead seeking prey that would not fight back. Strange!Bankers that grade loans have occasionally been known to mutter "rats" too, probably because this activity has so many intricacies. When community banks evaluate commercial loan risk exposure, a key element is how each loan is graded. But, you may be surprised to hear that banks don't necessarily have a uniform loan

10/12/2018  -  Bank Tech Budgets - How Do You Compare?

In technology news out there, it seems an analyst at Goldman Sachs estimates Google will pay Apple $9B this year for the privilege of being the default search engine in the Safari web browser on the iPhone. If true, that would equate to roughly $10 per iPhone user. That is something to think about.While not on such a huge scale, community bankers too have much to think about when it comes to technology. Here, almost half of the senior executives and directors responding to Bank Director's 2018 Technology Survey say their bank's technology budget increased between 5% and

10/11/2018  -  Fighting Export Finance Programs?

Maybe this year is the year to get a flu shot. Look no further than last year's data from the Centers for Disease Control that found last season's flu epidemic is estimated to have killed 80,000 Americans. That is the highest level in 40Ys. No matter what, protect yourself and your family this flu season by frequently washing your hands with soap and water, just in case.While not as bad, there are plenty of risks in banking too, so preparation is important. For example, export finance might seem risky to some bankers, yet, done properly it can benefit your bank

10/10/2018  -  Don't Fry Your Brain On Cryptocurrencies

Too much technology can fry your brain. At least that is what a new study seems to point out. Canadian researchers have released the results of a 10Y study on how children's brains develop over time and found kids that spend less than 2 hours each day watching screens scored better on cognitive tests than those who spent more time watching screens. Take care.As you ponder how much screen time you can handle, we continue our discussion on blockchain and cryptocurrencies, along with some tips to help safeguard your bank and customers. When it comes to digital wallets that some

10/09/2018  -  A Magnetic Regulatory Update On Blockchain

Did you hear about the team of scientists that created a massively strong magnetic field? Unfortunately, this group of Russian scientists also blew up their laboratory in doing so. Apparently, the field was a real scientific whopper!For a while now, bankers have been hearing about another scientific breakthrough known as blockchain. While not as exciting as a magnetic field perhaps, blockchain has been advancing too. But, how should community banks approach it today?One way to track whether and when it's safe to look at this technology is by monitoring the regulatory and legal world. These days, there's plenty to watch,

10/05/2018  -  The Latest News On ATM Attacks

The political scene has certainly become very toxic. We aren't going to ruin your morning by plunging into it, but we did find a recent survey on the subject quite interesting. A Pew Research survey found a whopping 68% of Americans surveyed said the news media favors one side when covering political and social issues; the same percentage lacked confidence that news organizations would be willing to acknowledge any mistakes made. No matter the news going on around us, as bankers, it is part of our job to stay on top of the latest ways criminals try to steal money.

10/04/2018  -  Ubiquitous BSA/AML

Sadly, Pew Research finds a whopping 59% of teens in this country say they have been bullied or harassed online and have experienced abusive online behaviors. The top three forms of cyber bullying include offensive name calling (42%), spreading false rumors (32%) and receiving explicit messages they did not ask for (25%). Be alert parents!Social media has become ubiquitous in everyone's lives and BSA/AML has done the same in the lives of bankers. We have mentioned this before, but it is worth repeating - thanks to advanced technology and rising government mandates for fighting money laundering, Anti Money Laundering (AML)

10/03/2018  -  Capturing More Business Customers

As Halloween gets closer, we share that the candy corn was invented way back in the 1880's and was originally called "chicken feed". Today, the candy corn is 3x the size of an actual corn kernel and 35mm pounds of candy corn are sold each year. That is certainly sweet indeed!As kids soon flood into the streets with bags in hand seeking to capture the best Halloween candy, we are reminded that bankers are always looking to sweeten their business too by capturing more small business clients. According to a recent survey, one in five small to medium

10/02/2018  -  A Refill on Disaster Reminders

All things old become new. If you are old enough, you may remember the refillable milk bottles back in the day. Well, now you can refill your beer bottles in Oregon. Specially formulated refillable beer bottles are being filled, returned, cleaned, and filled again by seven breweries. As the breweries scale up, cost savings are expected and customers could benefit from lower prices. Stay tuned to see if it catches on elsewhere.Community bankers have more to worry about than refilling their beer bottle though when it comes to natural disasters. Hurricanes and tropical storms are also problems that aren't going

10/01/2018  -  Passwords That Won't Make You Ill

You have probably seen people sitting on planes wearing masks to protect others or themselves from illness. Pollution in some cities worldwide is also a problem. That is why we were intrigued by a new invention known as breaze. You charge it up each night so its fans and filters can work all day as you go about your business. Who knows if this will take off, but it might help people stay healthier perhaps.On the banking front, the focus is always on keeping healthy, particularly when it comes to cybersecurity. Given October is National Cybersecurity Month, we wanted to

September, 2018

09/28/2018  -  High Tech Yet High Touch Recruiting

There have been some really interesting inventions this year. One that adds a new member to your family is known as Temi. This $1,500 robot runs around the house with you or your family as you do things during the day. It is intelligent, mobile and links to and leverages smart home devices, online content and video communications and is driven by your voice. Temi can turn on lights, order pizza, play music, make a video of what you are doing and call someone on its screen so you can talk to them.While Temi may not yet do everything banks

09/27/2018  -  How To Keep Your Core Healthy

Siemens Healthineers is using artificial intelligence (AI) technology to try to predict how a heart responds to therapy. The idea is to get better diagnoses by simulating well in advance how patients will react best to which therapy. By capturing scans, pictures of the heart and tons of patient data, they are able to create a digital heart that can be compared to real outcomes. This is pretty interesting new technology and we hope it works out well. As bank technology ages, many are faced with a choice: should you keep your older mainframe going, replace an older mainframe with

09/26/2018  -  Rolling Forward On Exceptions

Segway, the company that brought you the self-balancing scooter back in the day, has now ventured into roller skates. You simply jump on the skate without strapping in your shoes and off you go. They have 45 minutes of drive time on one charge and have a single wheel design. This could be the replacement for the hover board perhaps.As you roll forward through your day today, we delve into various ways banks are increasingly automating their way to greater efficiency, with a closer look at managing exceptions. For many community banks, the tedious task of managing exceptions is still

09/25/2018  -  Doggedly Engaging With Customers

It takes a lot of work to keep your teeth clean. Most people use a plastic toothbrush, but a new startup is now offering a disposable variety made of recycled paper. This approach in theory will mean less plastic in landfills worldwide and it reportedly looks, feels, and works just like the plastic variety. It looks like plastic toothbrushes may eventually be going to the dogs...you have to love human ingenuity.In the banking industry, there has been a ton of change and ingenuity as well. One area in particular where this has occurred has been in mobile banking. As the

09/24/2018  -  Advancements In The Fintech Race

People all over the world are rejoicing the fact that an underwater autonomous drone using vision based technologies and artificial intelligence is out there hunting a specific kind of coral killing starfish. Humans have been doing this, but now this drone can do it 24 hours a day 7 days a week so it is much more effective. Good news for coral and reefs.This sort of technology is interesting and similar sorts of technological advancements are happening in the banking space. While not of the underwater variety, our fintech world means banks are racing to keep up. During the first

09/21/2018  -  Don't Fall Asleep On Online Games

Researchers have found that people who nod off during the day are more likely to develop dementia. It seems falling asleep when you are supposed to be awake is a sign of having too many beta amyloid proteins in the brain (3x as many as those who stayed awake). These proteins have been found to trigger dementia. As you jolt yourself awake this morning, we shift our focus to online gaming. If you've ever played a free online game, you know that in most of them, players need resources to advance through the game. Those who play lots of online

09/20/2018  -  Don't Bite Your Nails Over New SMB Offerings

How crazy is it that a woman who reportedly made it a habit to bite her nails had to have her thumb amputated after developing cancer. It seems the young woman of only 20 had contracted a rare form of skin cancer. Doctors say the chronic trauma and inflammation of biting her nails likely led to the skin cancer.For community banks, small business customer habits can also be a struggle. Between navigating separate platforms for banking, enterprise resource planning, human resources, and accounts payable, your small-business banking customers have a lot on their plates. As such, perhaps your bank could

09/19/2018  -  Long-Living Benefits Or Not?

A new study by the National Institute on Aging finds mice who fasted between meals lived longer and were healthier than those who snacked during the day. Even more interesting perhaps, the mice that lived the longest and were the healthiest ate only one single meal per day. This all runs counter to common understanding of what many consider to be human healthy habits, so more analysis will likely be forthcoming.No matter what you eat or when you do so, it usually requires reviewing some options. In banking, it is important to review options when it comes to employee benefits

09/18/2018  -  Healthy Takeaways From FinCEN Awards

Leave it to researchers to take away yet another dietary product people think is healthy. A study from Israel finds probiotics believed to be good for digestion and health, may not be all they are cracked up to be. The study found in 50% of people tested, the good bacteria from the probiotics went in the mouth and straight out the other end. In the rest, the good bacteria hung around briefly before being pushed out by existing microbes. As bankers, we know many things can give us discomfort and that hindsight is often 20/20. So, today we provide some

09/17/2018  -  Recovering From Competitive Merchant Services

In a good news story, Bloomberg is reporting that the Great Barrier Reef is now showing signs of recovery, following a mass coral bleaching back in 2016. A milder summer along with huge coordination among public and private enterprises has apparently turned the tide on this issue. For our scuba diver readers and ocean lovers, this is refreshingly good news.Many community bankers we know now feel refreshed and in full recovery mode too following such strong economic activity. That said, many also say they continue to struggle in the battle vs. the fintechs.For some time now, fintechs like Square and

09/14/2018  -  Swimmingly Successful Social Media For Bankers

Sharks are normally really scary with all of their big teeth and ferocious appetites. But, consider a variety of shark known as the bonnethead that appears to be vegan! Yes, you heard us right - this shark eats seagrass from the bottom of the ocean and avoids other animals entirely. It is truly strange and obviously nothing for humans to fear.As that swims around in your brain, let's shift gears to a discussion on social media marketing by community banks. An ABA survey finds 76% of banks (95% of which had assets under $10B) believe that social media

09/13/2018  -  Lighting The Way To Optimize Branch Hours

A study by the University of Cambridge in the UK has found a way to split water into oxygen and hydrogen by mimicking photosynthesis in nature. The approach is scalable, so it is great for usage worldwide, as it both collects and stores energy in a much bigger way. This one looks like an interesting advance.In banking, technology and customer behavioral changes are driving changes to branches. Today though, most community bank branches have regular hours, but customers not so much. So, while one branch might have a steady daily stream of customers lining up for tellers, another might have

09/12/2018  -  Keeping A Happy Face With AML Tips

Goat yoga is all the rage, but we weren't expecting it to take goat research in another direction. A university in the UK did some research and found goats not only respond to human facial expressions, but also prefer smiles to frowns. It seems 51% of goats tested approached a happy human face first, while 30% went to the angry face. The remaining 19% did not seem to care. While not directly goat related, the average community banker would likely say BSA/AML (AML) compliance has become brutally tough over the years. Things are so tough now that many employees and

09/11/2018  -  Spraying A New Card Design

Engineers at MIT have done it again. This time around they figured out a way to get sprayed droplets to stick to whatever the target is. The issue they were trying to solve was that typically less than 5% of sprayed liquids actually stick to the target. The solution was surprisingly simple. Just spray the bigger drops through a fine mesh to break them into smaller ones, about one thousandth in size. The smaller droplets stick better when they land, thereby solving this problem. This approach has practical applications in painting, agricultural pesticides, among others. The impact of this interesting

09/10/2018  -  Vacationing From Self-Storage Lending?

Researchers at the University of Helsinki have found that taking more than 3 weeks of vacation each year may lengthen your life. The more than 40Y study found that people who took less than 3 weeks off in a year were 37% more likely to die than those who took more than that. This could be a good reason to extend your vacation time this year.As you calculate how many weeks of vacation you have already taken this year, we point out that Americans rarely add up the number of trinkets they collect on these vacations either.Between moving, collecting, inheriting,

09/07/2018  -  The Impact Of California's New Privacy Law

Scientists have published a paper that finds long before the age of dinosaurs, a huge volcanic eruption that lasted for 1 million years wiped out the ozone layer, 96% of marine life and 70% of terrestrial species. Life that lived on land took 10 million years to recover from this extinction event that was more impactful than the one that killed the dinosaurs millions of years later.To community bankers and businesses operating in states throughout the country, worries over the extinction of personal privacy have led to a bevy of legislation lately. Add to the list CA, which passed the

09/06/2018  -  Authenticating Companion Deposit Accounts

In an interesting technology advance, Microsoft said it will now allow users to sign onto their accounts using its Authenticator app and an Apple Watch. No password is needed and authentication can occur right from the person's wrist. New things keep popping up in the technology world and the same could be said about interest rates in the banking world. In fact, now that interest rates are on the rise, people naturally are looking for a greater yield on their deposit accounts. Interestingly, the data shows people seemingly don't want to lock up all of their money to get a

09/05/2018  -  Eavesdropping On Biometrics

Well, it seems you just cannot get any privacy these days. Researchers appear to have found a way to reveal the contents of a remote screen by using what is known as a side-channel attack. These researchers used machine learning with audio picked up by computer microphones to get sensitive information from the remote screen. The audio was from emissions leakage of the electronic components of the LCD screens. This type of audio eavesdropping goes to show how far machine learning has come! We are not sure it will help much in this regard, but the world of

09/04/2018  -  Selfie Stickers and Happy Millennials

To keep employees happy, it makes sense for management teams at community banks to keep an open mind. That is why we were amused to see Google has launched a new way for people to create a sticker version of themselves using selfies. The feature uses artist illustrations with machine learning, neural networks and other fancy tech. With these selfie stickers, you can customize face shape, hairstyle or other fun options. Enjoy this, as you test it out with employees and customers, perhaps.As you think about this, we point out that you don't need a sticker to know

August, 2018

08/31/2018  -  Don't Let The Customer Experience Crumble

Cookies in the technology world are messages that web servers pass to one another when internet sites are visited. They don't taste nearly as good as your favorite, freshly-baked cookie though. That said, since the EU passed the General Data Protection Regulation (GDPR), the number of third-party cookies in use has dropped 22% on European news websites. The law has clearly taken a huge bite out of those cookies. The data shows customer privacy is serious business worldwide and it will only get more difficult in the future. This is especially true when you consider the high level

08/30/2018  -  Slithering Cyberthreats

A study in Ecology and Evolution Journal finds a potentially scary situation. Researchers testing DNA from pythons in FL have found 3% of the snakes carry genetic markers that could create a "super snake" interested in moving from the swamps to higher dry ground. That is a potentially risky situation slithering around.Some technology researchers might say yet another risky situation developing in and around banking might be the Internet of Things (IoT).Look no further than a report jointly issued by the Department of Commerce and Homeland Security. It warns of the risks created by the increasing number of

08/29/2018  -  Digital Security, Youth And The Who

SBA data points out that 28mm small businesses in the US accounted for 54% of all US sales and produced 67% of net new jobs. Community bankers provide huge support for this key customer group. So, keep up the wonderful work in your own community, no matter where you are in this great country of ours.People seem to ask from time to time what is going to happen to banks given so much digital activity is swirling around. To gain a better understanding of the forces at work, we point out that digital literacy improves with youth. This

08/28/2018  -  Ensuring Your Mobile App Gets A Thumbs Up

People are so active online that businesses and banks alike must continue to adapt. For example, research by reviewtrackers.com finds while 53% of customers expect a business to respond to negative reviews within a week, 63% who left such reviews said the business never responded. That is just crazy when you hear 94% of people say a negative online review has convinced them to avoid a business. Data is easy to get and switching businesses is so easy, you have to wonder whether it is really any surprise that people are doing so more frequently. As people become increasingly reliant

08/27/2018  -  Bank Surveys And Technology Priorities

Survey teams are constantly quizzing small businesses in an effort to gain insight. A survey by Infusionsoft finds the top two digital marketing priorities for small businesses are driving sales (51%) and building brand awareness (48%). Maybe there is an angle here for community banks to help small business customers, particularly when you consider a whopping 62% of those businesses said they either don't know or did not think their marketing efforts were effective.As you think about the best way to target your small business clients for the rest of the year, we provide a discussion of the results from

08/24/2018  -  Are You Robbing Effective Time Management?

You have to love the British. It seems a robber who stuck his finger in the pocket of his jacket and pretended to have a gun did not get the response he intended. Instead, a couple of businesses he tried to rob called his bluff and told him to get lost. After trying a few times, he now spends time sitting in jail. In the business world though, there are many things to shackle a CEO's time. On this matter, we found a Harvard Business Review CEO survey interesting. It tracked how CEOs spent their time, in 15-minute

08/23/2018  -  Jaw-Dropping High Marks With New Rule

You probably saw Facebook's stock tank after reporting weaker than expected revenue growth in Q2 and warning of a slowdown for the rest of the year. The stock sank 19%, dropping more than $100B in a single day. Besides being the biggest single one day decline in US history, it was also larger than the total value of Costco, Lockheed Martin, Starbucks, CVS, Lowes and others, according to Bloomberg. While maybe not quite as jaw-dropping, community banks are on track to comply with FinCEN's new anti-money laundering (AML) beneficial ownership rule, according to a survey by ARC Risk

08/22/2018  -  Will Cannabis Businesses Be Flying High?

Well it looks like Amazon won't be the only player in the drone delivery business, if all things work out. Now, Airbus has jumped into the act, with an automated delivery drone service that it has dubbed "Project Skyways". The drones land on specially-designed parcel stations that have a robot inside. The robot senses when a package is dropped off or delivered to the station and either loads or unloads it automatically. Who knows where all of this goes, but it is certainly interesting.Another area of interest that banks are monitoring is all about cannabis. Local municipalities are trying to

08/21/2018  -  Surfing Through Fee-Free Options

Elon Musk sure seems to have an active mind. He has rolled out limited edition hats, flamethrowers and other things that seem to have nothing to do with his primary business activities. Given it is summer perhaps, he has now announced Tesla is selling limited-edition surfboards for $1,500 each, and they are so amazing looking that they have already sold out. We wonder what he will think up next.As you think about catching a big earnings wave this year, we zero in to alert you about how some big banks are bowing to pressure from fintechs and offering fee-free mobile-only

08/20/2018  -  No Way To Disconnect From CECL Readiness

A Pew Research study highlights something you already know. When you go online you are likely to be harassed, so prepare yourselves. In fact, a whopping 41% of adults say they have been harassed online and 66% say they have seen it happen to someone else. It looks like if you want to stay sane, disconnecting now and again can be a good move.Unfortunately for community bankers, it is impossible to just disconnect from the world around you, as the Current Expected Credit Loss (CECL) standard draws closer. So, banks are trying to ready themselves for the change. According to

08/17/2018  -  Resolutions And Flat Yield Curve Opportunities

It isn't anywhere near year-end right now, but that doesn't mean people aren't still working on their resolutions. Statista found earlier this year, people said their top resolutions were to eat healthier (37%), get more exercise (37%) or save more money (37%). If these are on your list, we hope you are making some progress at this point in the year. Shifting our discussion today to the markets and opportunity for bankers, things definitely are booming out there. Business is good and rates are rising, so profits are too. The Fed has slowly raised short rates, but longer maturities have

08/16/2018  -  Studying Bill Pay Opportunities

When high school kids head off to college, they often ask their parents and friends what sort of degree might make sense. That is why we found research by the National Center for Educational Statistics interesting. It looked at the most popular majors for bachelor's degrees and found the top ones were business (19%), health professions (11%), social sciences and history (9%), psychology (6%) and biological and biomedical sciences (6%). You might also be interested to find out more about how people are using bill payment these days. About $4T changes hands every year when consumers pay their

08/15/2018  -  New Farm Bill Stimulates Ag Lending

People love to drink coffee. Look no further than a survey by the National Coffee Association that finds 64% of Americans age 18Ys or older drink a cup of coffee a day. Interestingly, 79% did so at home, while the rest went to a caf? or some other location.As you sip your coffee this morning, we point out that community banks are not only the backbone of banking, but also the backbone of farming as well. After all, community banks provide 75% of all agricultural loans to American farmers. It is little surprise then, that many community banks are supporting

08/14/2018  -  Treasury Insights For Community Bankers

Is there anything anywhere that Amazon isn't into yet? This list certainly seems small, as they have announced a partnership with Marriott hotels. Amazon plans to drop an Alexa into every room to act as a personal assistant for weary travelers. That's right, guests will soon be able to order room service, get dinner recommendations, call housekeeping, and do other stuff simply by asking Alexa to do it.Speaking of speaking, we speak to a lot of bankers about their digital offerings. It seems that corporate CFOs aren't that much different from small business banking customers. Both are increasingly

08/13/2018  -  Don't Be Afraid Of Growing Your Cheap Deposits

People can be real fraidy-cats. At least, that is, if you believe a UK study on the percentage of adults who are afraid of the dark. Amazingly, the study found 64% of adults said they were still afraid of the dark, 67% don't like turning out the lights before jumping into bed and 36% said they regularly get the feeling that something or someone is in the room with them. That last one is creepy, so we are glad it is morning.In banking, no one is afraid of taking deposits or making loans, but that doesn't mean competitive pressures aren't

08/10/2018  -  Wrestling With Cybersecurity Insurance

You may not know it but wrestling is considered to be the oldest competitive sport on the planet. It reportedly shows up on cave drawings dating back to 3,000 BC and in the Olympics around 708 BC. That is certainly an old sport, if not the oldest.Today we focus on how community bank technology teams are always wrestling with hackers who are working to take them down. Hackers seem to constantly find new ways to break into computer systems, so countermeasures are constantly evolving. This is an evolutionary cage match and neither hacker nor banker shows any signs of slowing

08/09/2018  -  Exploring Wearable Payment Devices

Research published in Nature Communications finds oxygen can now be extracted from water in zero gravity using star light and a semiconductor. This amazing discovery seems to provide a way for humans to take long space flights. So, suit up and get ready everyone!As you think about traveling to distant stars in the future, we bring our community bank readers back down to earth this morning as we delve into how wearable payment devices are gaining traction with some examples and discussion.Take, for instance, ABN Amro's Kerv payment ring. In early testing of its device, ABN Amro found

08/08/2018  -  The Cost of M&A

Let's face it - things cost money. Look no further than upper education. On the good news front, the Census Bureau reports 33% of Americans 25Ys or older have completed a bachelor's degree or higher vs. about 17% back in 1980. Since the data shows college educated people earn more than others that is good for the country. As for the bad news, consider that over the same time period, education costs have soared over 1,000%. It sure makes one think about the return on investment (ROI). When it comes to financial institutions, management teams, boards and investment bankers are

08/07/2018  -  Training, Trust And Hedging

We thought it was interesting that CareerBuilder research found 58% of managers say they did not get any management training, and a survey by Harvard Business Review finds the same 58% say they trust strangers more than their own boss. This probably isn't the case at your institution, but training and trust are clearly very important. So, these might be worth a second look.Banks are constantly tweaking their product and service offerings in response to competitors and market conditions. Right now, this is especially true, given that short-term interest rates are rising, but longer ones seem to be barely budging.

08/06/2018  -  "Moo-ving" Through Customer Episodes

You ever wonder about the person working just down the hall from you? Sure they are a colleague and very nice, but something sees a bit off too. After probing a bit more, you realize you have finally put your finger on it. They appear to be among the 7% of Americans who believe chocolate milk comes from brown cows or even worse the 485 who said they had no idea where it comes from! Moo.As you work each day to capture more customers, perhaps a discussion around chocolate milk with prospects (including a cookie) might be a great ice

08/03/2018  -  Addicted To Supporting SMB Global Growth

Did you know that we are all so addicted to all things internet and social that 77% of us go online at least daily? That is just one finding of Pew Research that also found 26% of us go online almost constantly, 43% do so several times a day and 8% check things out 1x per day. As you think about your marketing efforts to capture and retain customers, this data is no doubt helpful, we would imagine.While many small and mid-sized business (SMB) customers of community banks most often focus within their geographic region, an increasing number

08/02/2018  -  Racy IT Spending Mistakes

A new survey by EdenFantasys looked at how prevalent sex is in the workplace. What - good morning! Now that we have your attention, the survey found 14% of people say they have had sex at their place of work and of those, 19% have been caught doing so. While 44% have had a workplace romance, 70% of those said they hid their fling from coworkers and bosses. Finally, while 60% of all work relationships have ended in a breakup within 1Y, 25% of such relationships ended in marriage. Have fun out there, but not too much - at least

08/01/2018  -  Craving Check Writing Customers?

It is well known that many Americans are just not healthy and that shifting habits are a big underlying issue. The Department of Health and Human Services (HHS) finds only 33% of kids are physically active every day and spend more than 7.5 hours daily in front of a screen. Meanwhile, there is a 25% adult obesity prevalence rate in 32 states now. Staying healthy takes work. But it also makes you feel better, so good luck to everyone. It is also well known that checks are going the way of the dinosaur. Interestingly though, while digital banking is pushing

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  -  LOYALTY
05/08/2007  -  REMOTE DEPOSIT CAPTURE
April, 2007
04/30/2007  -  KNOWING WHO YOU ARE
04/20/2007  -  PROFIT PER EMPLOYEE
04/19/2007  -  SWINGING FOR A NEW BRANCH
04/17/2007  -  THE BEST RESPONSE
04/16/2007  -  THE BIG PICTURE OF 159
04/12/2007  -  FAS 159 - WAKE UP CALL
04/11/2007  -  THE RISK MANAGEMENT CHANNEL
04/10/2007  -  HEURISTICS AND BANKING
04/09/2007  -  COOKIES IN THE BRANCH
04/06/2007  -  SOMETHING MISSING
04/05/2007  -  THE HALO EFFECT
04/04/2007  -  Mistaken Indexed Deposits
04/03/2007  -  CASH FLOW IDENTITY
04/02/2007  -  INTELLIGENT WEBDESIGN
March, 2007
03/26/2007  -  CRE LOAN PREPAYMENTS
03/23/2007  -  DOWN THE ROAD ON NIM
03/13/2007  -  GOT THE TIME
03/12/2007  -  SUBMERGING SUBPRIME
03/07/2007  -  LEMMING TESTING
03/06/2007  -  A Mickey Mouse Bank
03/02/2007  -  JET BLACK & BLUE & GOLD
03/01/2007  -  Banker's Chalkboard
February, 2007
02/21/2007  -  LIQUIDITY
02/20/2007  -  CRE CONDUITS
02/16/2007  -  ATM FEES AND DEPOSITS
02/15/2007  -  MULTIFAMILY LENDING UPDATE
02/14/2007  -  A DAY OF LOVE
02/13/2007  -  CRE LOAN UNDERWRITING
02/12/2007  -  LAUNCHING A NEW PRODUCT
02/01/2007  -  A BAD HABIT
January, 2007
01/23/2007  -  INTERNAL SELLING
01/22/2007  -  A SIMPLE PROMOTION
01/19/2007  -  LOOK BEFORE YOU LEAP
01/04/2007  -  MISC CLEANUP
01/03/2007  -  KEEPING EVERYONE HAPPY
December, 2006
12/29/2006  -  2007 LET THE PARTY BEGIN
12/28/2006  -  LUCKY STREAK
12/26/2006  -  LEARNING FROM THE ARMY
12/22/2006  -  THE HIGH ART OF REGIFTING
12/21/2006  -  WINNING
12/20/2006  -  RIGHT AROUND THE CORNER
12/18/2006  -  FORK IN THE CREDIT ROAD
12/13/2006  -  FROM HAWKS TO DOVES
12/12/2006  -  CATCHING MORE CUSTOMERS
12/08/2006  -  SEXY ATMs
12/04/2006  -  PRUDCOT DISEGN
12/01/2006  -  TIGHTENING COMPETITION
November, 2006
11/30/2006  -  HALF FULL OR HALF EMPTY
11/29/2006  -  THE BID
11/28/2006  -  EMPLOYEE FOCUS
11/27/2006  -  BANKING UPDATE FOR THE 3Q
11/24/2006  -  A BUNCH OF TURKEYS
11/22/2006  -  WOMEN CLIENTS
11/16/2006  -  STRATEGIC INITIATIVES
11/14/2006  -  USING BANK CRM SYSTEMS
11/13/2006  -  HOSPITALITY LENDING
11/10/2006  -  FISHING FOR CUSTOMERS
11/09/2006  -  PUZZLING ADVICE
11/08/2006  -  RISK MANAGEMENT
11/07/2006  -  MOUNTAIN OF WISDOM
11/06/2006  -  LEMMINGS
October, 2006
10/30/2006  -  IT IS EASY BEING GREEN
10/27/2006  -  CREDIT MIGRATION
10/18/2006  -  LOOKING UP EFFICIENCY
10/17/2006  -  BANKING AND MOVIES
10/16/2006  -  DEVILISH PREDICTION
10/13/2006  -  MIXING BOARDS AND CEOs
10/12/2006  -  BRANCH SALES
10/11/2006  -  ARRESTING ID THEFT
10/06/2006  -  LIQUIDITY EXPOSURE
September, 2006
09/28/2006  -  LIKE PULLING TEETH
09/27/2006  -  BRANCHING MANIA
09/21/2006  -  BANK LOYALTY PROGRAMS
09/19/2006  -  LOAN PRICING
09/18/2006  -  LOAN PRICING
09/15/2006  -  RISK-ADJUSTED RIDE
09/14/2006  -  RISK VS RETURN
09/13/2006  -  RETURN ON EQUITY
09/12/2006  -  NIM IS OVERRATED
09/11/2006  -  WE WILL NEVER FORGET
August, 2006
08/28/2006  -  BOOSTING FEE INCOME
08/25/2006  -  ARMY ANTS AND BANKING
08/24/2006  -  WALKING THE WING OF RISK
08/23/2006  -  BANKING SECRETS UNMASKED
08/22/2006  -  TIME TO CHANGE CHANNELS
08/21/2006  -  FIRST FLOOR PLEASE
08/14/2006  -  MOM ON YOUR FUTURE
08/11/2006  -  QUANTIFYING HERSTATT RISK
08/10/2006  -  FORGET THE COMPETITION
08/09/2006  -  FROM HERE IT GETS TRICKY
08/08/2006  -  TOO MANY BRANCHES?
July, 2006
07/13/2006  -  THE 20-SOMETHING BUNDLE
07/12/2006  -  A SHOCKWAVE IS COMING
07/10/2006  -  YELLOW CARDING CUSTOMER FEES
07/07/2006  -  BREAK DOWN THE SILOS
07/06/2006  -  BETTING ON DEPOSITS
June, 2006
06/30/2006  -  TARGETED MARKETING
06/29/2006  -  LOOKING FARTHER AHEAD
06/22/2006  -  SKIPPING STONES
06/21/2006  -  SAWING THROUGH NIM
06/20/2006  -  HAMMERING NIM
06/19/2006  -  Painful Tendencies
06/16/2006  -  Painting By Numbers
06/15/2006  -  BATTERED ABOUT
06/14/2006  -  LEVERAGING DEPOSIT MARKETS
06/13/2006  -  THE SMALL BUSINESS
06/06/2006  -  Devilish Details
06/05/2006  -  MORE YIELD MAINTENANCE
06/02/2006  -  INVENTION IN BANKING
May, 2006
05/31/2006  -  THE COST OF WAITING