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Banc Investment Daily Archives

September, 2019

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 don't have

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

If you want to keep your younger employees, Deloitte research finds loyalty from this group is built when your company delivers the best "financial performance, community impact, talent development, and diversity and inclusion." Easier said than done, but at least you know now what to work towards perhaps.Succession planning is one opportunity for community banks to focus on, while another less obvious one might be related to hemp. As a follow on to yesterday's BID on marijuana banking, we wanted to shed some light on the discussions around the 2018 Farm Bill and specifically the legalization of industrial

You get a little bit older every minute of every day. Technical and medical advances get a little bit better every day too. That is why it is no shock the Social Security Administration projects 33% of today's 65 year olds will live past age 90. That means a whole lot of people who retire at 65 will spend 30Ys in retirement. While that is good for travel, restaurants and the like, it does call for solid savings (jump in here banks) and long-term thinking.Another area banks have been doing some short and long-term thinking has been around marijuana related

One interesting area of governmental research comes from the Bureau of Labor Statistics (BLS), which tracks how people spend their time. It finds the winner is personal care, including sleep, where we spend about 9.6 hours. That is followed by leisure/sports (5.3), working/work related (3.6), household (1.8) and eating/drinking (1.2). Speaking of how bankers spend their time, we recently provided readers with the reason FASB has proposed extending the effective date for CECL - to give everyone more time for a complex rule. If you missed it, you can read the article, FASB Proposed CECL Delay but No

Merrill research finds people are so stressed out about managing their money that they would be willing to do the following, if it meant they never had to manage their personal finances again: give up all social media platforms forever (41%), cut out carbs, sugar and/or alcohol (37%), lose access to their smartphone for a month (35%), or move back in with their parents (25%). Wow, some of those are drastic. This got us wondering what community banks might give up to ensure they never again had to worry about liquidity. Speaking of liquidity, community banks should be among the beneficiaries of a rule

The National Center for Education Statistics finds that while graduating from college in 4Ys or less keeps college costs down, only 41% of students do so. Even worse, only 59% earn a bachelor's degree in 6Ys. This sure looks like a failing grade on this test.Speaking of testing, community banks often do testing of a different sort about once a year when they ask board directors to conduct assessments of themselves and one another.One question that surfaces in this process is whether director self-assessments are worth very much. We would argue that a good self-assessment can lead to improved performance

In case you were wondering when or if a recession might eventually come and what the impact might be on the loan portfolio, we have some good news. Ellie Mae reports the loans it sees still have FICO scores at the highest levels in 2Ys, and the FICO score is one data point bankers often use. Now these consumers may not own businesses per se, but it does show underlying credit quality remains decent from this single metric.A metric of another sort that community banks may be monitoring could relate to the percentage of nonprofit deposit customers as a percentage

Surveys find at least 95% of people procrastinate at least occasionally and 15% or so do it consistently. To procrastinate less, experts say you should exercise, eat right, schedule time in smaller increments and create deadlines, to name a few.As every banker has heard, FASB made a big announcement on CECL last week, voting for a delay for all but the largest public banks. FASB also added a new definition called Smaller Reporting Companies (SRCs) too, so this basically means nearly all community banks now have a new deadline of January 2023. This is good news for many community banks

The American Heart Association has released research that finds people who work long hours for more than 10Ys, may be increasing their chances of having a stroke. Long hours were defined as working 10 hours or more per day for at least 50 days of the year. This may be something for community banks and its employees to think about as you try to balance work and life.Banks have another balancing act to evaluate when it comes to customers and spotting which ones in particular may be potential victims of elder abuse. To assist, the AARP offers materials to help

We saw a story the other day in the press that warned vacationers that microbes of bacteria will colonize your skin after only 10 minutes of swimming in the ocean. Researchers say that may not be a bad thing, but they do suggest taking a shower to rinse off after you get out, just to be safe. As community banks swim around the oceans of technology advances, one that is getting more press lately is about 5G. As billed, 5G is 100x faster than 4G for moving around data through mobile wireless networks.So, how can your bank leverage the power,

Merrill research finds 85% of Americans believe how they manage their money would make their parents proud. Interestingly, 56% reward themselves for meeting a financial goal by purchasing something like clothes or jewelry (48%), taking a vacation or trip (48%), or eating out at an expensive restaurant (40%). Maybe it's time to test a savings account that provides such awards automatically to customers when certain milestones are achieved.When it comes to the cost of education though, saving enough is very difficult, when you consider the cost of a college education has skyrocketed nearly 450% since the early 1980s. College costs

Amazon got a patent that would allow it to use delivery drones to record video of a user's property that can be analyzed and used for surveillance. It can look for broken windows, open garage doors and things like that to help catch bad actors.We haven't yet seen a drone solution by Amazon to deal with the London Inter-bank Offered Rate (LIBOR) to Secured Overnight Financing Rate (SOFR) transition. But, we will be listening for a buzzing sound, just in case.In the meantime, banks that have been slow to start switching from using LIBOR as an index, a top Fed

Sleep experts will tell you the best way to get a good night's rest is to keep the thermostat temperature between 60 and 67 degrees. That will avoid sweating and sleep disruption that occurs as your body heats up. In another area heating up, in the banking industry, the FDIC noted in April that it's seeing gaps in banks' vendor contracts. These include but are not limited to agreements with IT vendors. Banks use vendors for a variety of reasons that include insourcing on-demand specialized talent, reducing operating costs, and increasing product offerings. For these reasons and more, it seems

PwC finds that while 81% of Boomers say their primary bank is where they hold their checking account; that dips to 74% for Gen X and only 65% for Millennials. Technology & behavioral changes show fewer people have such accounts or still use them.As above, changes are occurring all around banking and one area creeping along is CECL. Bankers continue to search for guidance from regulators and auditors so today we share news that the American Institute of CPAs (AICPA) is planning to shed some light in its upcoming release of guidance on the subject. As the only bank in

In case you missed it, scientists have reportedly developed a new laser known as the Cytophone that is 1,000x more sensitive than current methods. This is huge because the laser has reportedly already been tested and used to detect, target and destroy cancer tumors in blood cells. Scientists hope it could one day be used to destroy melanoma and metastatic cancer. Now that is the sort of scientific advance we would all love to see.While not as life changing as this sort of cancer busting laser, bankers also do lots of testing in order to deal with industry challenges that

When it comes to wealth, it is interesting that a Schwab survey finds 73% of those under age 38Ys old (millennials and Gen Z) wonder how friends can afford expensive experiences posted on social media and 57% pay more attention to how their friends spend vs. save. As you consider how best to position your bank to address these data points, there are other things to consider too, when it comes to wealth. After all, about $30T in wealth is about to be transferred from baby boomers to their kids in coming years.As older customers pass away or move out

Succession planning is difficult for nearly every bank, particularly when you consider a Bank Director survey that finds 60% of respondents expect their bank's CEO and/or other senior executives to retire in the next 5Ys. Adding to the angst, 55% say they do not have both a long-term and emergency succession plan in place for the CEO and all other senior executives.We bring this up because even huge banks with all sorts of executives can feel the pinch, when it comes to succession. Look no further than Wells Fargo's well-publicized struggle to fill the CEO slot. Sure they have problems

The Spring 2019 Merrill Edge Report finds some interesting things about how Americans save. It found: 85% of respondents believe how they manage their money would make their parents proud; 68% purposefully delayed or abstained from certain activities (vacation, buying a car, buying a home, etc.) to pay off debt; and 56% reward themselves when they meet a financial goal. We hope this information gives you a few more ideas to help market more of your services, perhaps. We continue this month with our new Inquiry and Insight feature. This month we focus on virtual deposit tickets, how

Summer is now in full swing with kids out of school, so you might be thinking about vacationing. Over the next 3 months, 50% of Americans will travel, spending up to 3 weeks' pay to have fun. Enjoy your next vacation and know you have earned it.Before you head out on vacation though, there is much to consider when it comes to CECL. As you work through various elements of this rule change, you may start to see some real challenges--particularly when it comes to applying optionality. As you consider optionality and its impact on CECL, you will need to

Experts are all over the place when you try to nail them down on how much you should be contributing to retirement. Of course, that is due to personal lifestyle, expenses and spending patterns. That said, most will tell you it is good to set aside at least 10% of your income, and if possible, to go as high as 20%.There are many financial things to think about beyond what you should be setting aside for retirement, and one of them revolves around financial technology (fintech). Such things are not only a hotbed for start-up investment and an area of

Fidelity recently reported the average 401(k) balance for Americans by age grouping as of Q1 is as follows: 20 to 29Ys old ($11,800); 30 to 39Ys ($42,400); 40 to 49Ys ($102,700); 50 to 59Ys ($174,100) and 60 to 69Ys ($195,500). Now you can compare how you are doing and see if you need to do more or can book yourself a nice summer vacation to celebrate.No matter what you are saving in your deposit account, it is no secret that the nation's biggest banks have been capturing more customer deposits than community banks in recent years.According to a

Interesting research by AARP looked at technology usage among people age 50+. It found: 23% are taking online classes as they pursue lifelong learning; 14% now own a home assistant like Amazon Alexa or Google Home; only 19% have confidence in their online safety. Meanwhile, items ranking much higher: 91% use technology to stay connected to friends and loved ones; 63% play online games and 57% watch videos or shows online. No matter your age group or what you do online, the data shows small-to-midsize businesses (SMBs) have converted to many digital services. However, when it comes to invoices, it

Experts say homeowners should set aside 1% to 3% of a home's purchase price every year in a savings account to plan for ongoing or unexpected maintenance or repair costs. Also, the older the house, the more the homeowner should set aside.In banking, maintenance and savings of all types are topics that are clearly understood. One type of prepayment structure known as yield maintenance, however, can sometimes be confusing. Unlike a fixed prepayment penalty such as 1% (times the loan balance at time of prepayment), yield maintenance is different. It is structured so the lender "maintains" the same yield on

June, 2019

In an interesting advance, scientists have reportedly developed an artificial intelligence tool that can accurately detect early patterns of psychotic disorders. Such disorders typically occur when people are in their 20s and early warning signs can show up as early as age 17. A tool that predicts whether people are going to develop psychosis later in life could be helpful it seems.No matter your thoughts about how much technology should creep into our lives or whether it is good or bad, suffice it to say that it does keep moving forward. One area where technology has impacted banks and customers

We found it interesting that Q1 data shows 5,362 FDIC-insured financial institutions, and of those, 87% were identified as commercial banks while 13% were savings institutions. When you look at the asset data grouping: most were commercial lenders (53.2%), followed by agricultural banks (24.5%), all other less than $1B in assets (7.9%) or mortgage lenders (7.4%). The remaining five categories filled in the rest. Regardless which category you find your institution in, there is no doubt that from time to time you may need more deposits, and the very best kind are of course low cost core deposits. No matter

When it comes to hot things, chefs look to the Scoville scale to determine how spicy something is. On that scale, the jalapeno pepper is 5,000 units (strong), while the habanero (volcanic) comes in at 150,000, the Carolina reaper (dangerous) is 1.5mm and way at the top at 15B is resiniferatoxin (harmful). Speaking of hot things, the Weighted Average Remaining Maturity (WARM) methodology has received a lot of attention recently as a route that banks might take to CECL compliance. To some community banks that may be struggling to implement the new standard, WARM looks like a simple way to

The word bud can mean many things to many people. It is shorthand for Buddy, a well-known beer, part of a plant, slang for marijuana and even something that can be nipped. For banks though, Bud is a London-based fintech start-up that Goldman Sachs and HSBC have invested in, that will allow banks to offer products from their rivals. It is an open banking platform and it is already working with 85 third-party financial services providers and fintechs. We point this out because more banks are working with more providers to get more products and services to offer customers. Rather

Summer is a time of sunshine, fun and travel for nearly everyone. This summer, CompareCards research finds: 98% of people are considering taking a summer vacation, 75% say credit card rewards affect summer vacation plans and 20% say rewards points will pay for at least 50% of their summer travel bills. Have fun out there.When it comes to summer, community banks often look to hire interns for summer positions. In so doing, be mindful that the US Department of Labor (DOL) recently changed the criteria to determine if an internship must be paid. Generally, for-profit companies must pay employees for

If you go to the Urban Dictionary you will see that the term "check this out" originated in the 1960s or 1970s to mean "this is so cool you have to look at it." In a more updated version, we note one kid overheard saying, "check it out dude, this is what we should do" to another kid, really just means, "listen, this is what we should do."Any derivation of the word "check" in the banking or business world means something else completely. In the business world, for instance, checks have been the preferred method of payment for eons. While

In the past decade there have been some ongoing and significant changes in the banking industry. One of those surfaces by JD Power which finds that while mobile banking customer adoption was low in 2009, it has grown so much that 53% of retail banking customers now say they use mobile banking in 2019. Also over that time, the Fed reports the number of commercial bank and thrift branches has declined nearly 10%, or just over 1% per year. A changing environment these days is expected.When looking at the industry, other changes are also happening in mobile wallets.

There are all sorts of green things in this world. There are green M&Ms, money, leaves, grass, trees, frogs, lettuce, limes and more. Green colors can also reportedly improve reading ability and people who like this color are also reported to be lovable and nurturing individuals. What's not to like about green?In banking, there are things known as green lending, green initiatives or efforts that otherwise promote doing business with customers that promote environmental sustainability. (No, we are not talking about cannabis growers here). As we reported prior, Bank of America is investing $300B by 2030 in low-carbon business activities

A Harvard Business Review survey looked at how CEOs and senior executives rated their top management teams on several factors. By category, senior executives rated teams 34% lower for overall effectiveness than CEOs. Other findings: decision making processes are clear (-46%), team deals well with conflict (-33%), and CEO provides effective direction for the team (-39%). To improve performance, it looks like more work is needed to help close the gap between groups - regardless of company.Speaking of performance, the FDIC recently released its performance report for Q1 and we wanted to share some highlights. We also bake in additional

You might be interested in some data from the most recent FDIC Q1 Quarterly Banking Profile. For starters, there are 5,362 insured institutions in the US vs. 5,607 as of the same period last year. If this continues there will be 4,289 institutions in 5Ys and 3,430 in 10Ys. That is a smaller number, but it is still large when you look globally. For instance, close neighbors Canada and Mexico only have about 88 and 48 banks, respectively. Meanwhile, other major countries like Germany have 1,800, followed by Italy (580), France (400), UK (300) & Japan (199).Counting is fine of

When asked late last year where their organizations were going to be focused this year, Chief Information Officers (CIOs) told Gartner they wanted to spur growth through digital initiatives (22%), revenue/business growth (22%), operational excellence (13%), customer experience (8%); cost optimization (8%). As you think about technology and digital efforts at your bank, one area that often surfaces is the value and promise of big data. After all, banks have tons of data, so why not figure out how to use it better and faster to drive growth. Big data in theory can be tapped to give banks' customers exactly

Keeping secrets seems to be easy for some people and difficult for others. For example, surveys finds: 10% say they cannot keep a secret period; 50% say they often feel the need to offload secrets to someone else; and the biggest secrets people keep involve sexual behavior, personal story, extra relational thoughts, romantic desire or a family detail. Don't look now, but in banking the world of secrecy is covered in a big chunk by the Bank Secrecy Act (BSA) that covers anti-money laundering (AML). Here, community banks will want to take notice that regulators are stepping up enforcement of

You have to love the way the government operates sometimes. Take for instance the fact that Fish and Wildlife has a dedicated page detailing how they count and estimate bird flock sizes. Apparently taxpayers seem so interested in this that they even have a calculator where you can test your own counting skills across a multitude of flock size ranges. While most bankers probably don't have time to play the bird flock counting game, everyone has time to count the number of customers on hand, those that leave and how frequently they leave. Perhaps as it is with birds, figuring

Here's a thing. Without looking, which animal weighs more - the elephant or the hippo? If you guessed the elephant give yourself a point. If that one was too easy, we next ask whether the rhinoceros or the giraffe weighs more. Ok, that one is a trick question because the top five in order are: African elephant, Asian elephant, white rhinoceros, giraffe and black rhinoceros. Have fun today as you challenge your lunch mates to this test.If tests aren't your thing so early in the morning, we note that community banks and all companies can also sometimes be tested by

Insight is about getting an accurate and deeper understanding about something, while inquiry is the act of asking for information. So, on that note we want to welcome you to the second issue of a new BID feature we call "Inquiry and Insight." For those who may have missed Issue #1, you can read it here.This format allows us to more broadly share specific questions we receive from our bank clients, regulators and other industry professionals. On a monthly basis, we publish the questions asked most often or most relevant to current issues, as we do our best

A chief marketing officer (CMO) survey of business-to-business (B2B) firms by Deloitte, Duke University and the American Marketing Association found some interesting things. Top challenges are: driving growth (37.5%); delivering a powerful brand that breaks through the clutter (14.8%); securing marketing budget (11.4%); providing ROI of marketing (10.2%).Many of these issues above also impact community banks. Certainly, today's marketing tends heavily toward the digital, with websites and Facebook pages vying for customers' attention. If you think back on your own marketing memories, though, you might find that efforts made via traditional media -- radio, television, and print -- are much

Gentrification is the term used often to depict the process of affluent people moving into and renovating deteriorated urban areas, while potentially forcing the relocation of established residents and businesses. Today, we focus on the impact of gentrification on commercial real estate (CRE) lending for community banks and how a new code of conduct may affect it. Fueling the expansion of gentrification, displacement financing, is when a speculator gets a CRE bank loan based on the expectation that rents will increase. Thus, rents are raised and lower income tenants are often evicted, making room for higher income tenants. This is

The Oxford Dictionary points out that the inventor of the Morse code, Samuel Morse, needed to know which alphabet letters are used the most often. He found the top 7 are E, T, A, I, N, O and S. Curiously, the letter B ranks 20th of 26. We bring this up because some banks are trying to determine whether it makes sense to become a B corporation or not. Sure, you slip down the alphabet from Sam's perspective, but it may still be a worthy option. A B corporation is a business that's been certified for following best practices in

Doing some quick math, we can figure out that at the end of 2014 there were 6,509 FDIC insured financial institutions and as of the end of 2018 there were 5,406. We then look at the number of M&A deals for each year and we find there were 278 in 2015, 241 in 2016, 255 in 2017, 259 in 2018 and an annualized 220 for this year. Take all of this together and throw it in a blender and you come out with a 4.3% median for each year in question. It looks like the big thumb rule of 1%

Experts will tell you that as a homeowner, the top five plumbing issues you may face are blocked drains/toilets, burst pipes, frozen pipes, leaky faucets and water heater installations. Now that you know you can better prepare for the inevitable.In banking, when one thinks about the top issues around liquidity, the mind quickly goes to how easy funding is or is not. It also may zero in on how quickly assets can be converted into cash in case of emergency. Attracting deposits is particularly important in the current economic climate, which is one of growing demand for loans. About 91%

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  -  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</