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Banc Investment Daily Archives

February, 2019

When it comes to your hearing there are certain things to know. For example, some experts say long or repeated exposure to sound above 85 decibels can lead to hearing loss. To see how you are doing, know that a busy office, normal conversation or a dishwasher is about 60, an alarm clock or hair dryer is 80, a concert is 110 and an ambulance siren is 120. As you listen to the noise around you today, we point out that it is important as well for community banks to listen to customers in order to better understand how to...

The National Oceanic and Atmospheric Administration (NOAA) posted an interesting article on what causes ocean tides. It notes that the gravitational attraction of the sun and moon is a major force. But because it is closer to Earth by a longshot, the moon plays a greater role. Given the Earth's rotation, high tides occur 12 hours and 25 minutes and it takes 6 hours and 12.5 minutes for the water at the shore to go from high to low (or low to high).While bankers can count on exactly when the tide will go out, things are not so certain when...

Onboarding anyone can be a tricky thing if not done right. Consider research that finds 32% of global executives rate their onboarding experience as poor (Harvard Business Review), 54% of companies with onboarding programs have higher employee engagement (Society For Human Resources Management) and 50% of employees who have a poor onboarding experience think their company is doing poorly overall (bamboohr).Clearly, good onboarding is important at community banks and this carries through as well when bringing on new directors.Bringing board members up to speed quickly is a key task, but not always an easy one. While many board members have...

We surfaced some interesting OECD information compiled by Economist.com that looked at the percentage of jobs vulnerable to automation. It broke the analysis down by country and found those most at risk by percent of total were Slovakia (64%), Lithuania (63%), Turkey (59%) and Greece (57%). Meanwhile, those least at risk were Norway (31%), New Zealand (33%), Finland (34%), Sweden (36%) and the US (37%). No matter how you slice this though, the impact of technology is huge.Speaking of technology and more specifically that of banking, we take a look today at augmented reality (AR). It has now come to...

Competition is always on the mind of community bankers. One new area to monitor in this area perhaps surfaced in some research by Bain late last year. It found 29% of those surveyed say they trust at least 1 technology company more than their primary bank and 54% said they trust at least 1 tech company more than banks in general. Clearly, this shows keeping customer loyalty is tough these days.Another tough area where banks are focusing efforts is in and around all things cyber. As digital efforts have expanded in the industry, banks have significantly boosted security measures to...

We came across a fun fact you might like to know. Back in the day, Shakespeare reportedly made over 100 references to insects in his writings. Even more interesting perhaps, while all bugs are insects, not all insects are bugs (which have a straw-like mouth), according to combatbugs.com. As you think about what might be bugging you today, as you get started at the bank, we thought you may also be interested to know that US retail banks have an opportunity to boost their share of deposits by as much as 16.5%, according to new analysis conducted by...

Kantar research finds marketers are slowly evolving away from gender, but they still have a ways to go. For instance, they found advertisements of baby, laundry and household cleaner products are 98% targeted to female audiences, while motor oil brands are 71% targeted at male audiences. Obviously either gender can buy any of these products, so depending on who shops that day, sales could be lost or found. This could be interesting for banks too, as you rethink the buying process for your own products.When it comes to targeting businesses that offer hemp products, things are also shifting, so bankers...

Celent reviewed how people preferred to engage and interact with banks in 2018. The findings were: when the topic is lengthy, 77% prefer to visit a branch, while 17% would call a contact center. However, if the topic is quick, people would rather call a contact center (53%), go to a branch (27%), or use text chat (17%). Age differences can be stark though, so look closely at facts and circumstances of your own situation and customers.Just as there are significant differences between the individuals that use community banks, there should be differences in the ways that banks cater to...

People move for all sorts of reasons. In fact, Census Bureau research finds 11% of people move in a year, but 62% of those who do, stay in their same county. The main reasons people said they moved were: relocate to a better home (16%), establish their own household (12%), for other family reasons (11%), for a new job or transfer (10%) and to find cheaper housing (8%).No matter if or why you are moving around this year, know that the largest banks are actively using technology to keep in touch with employees that are on the move or working...

People often confuse blockchain with distributed ledger technology (DLT). To help, we note that DLT is really a fancy database (ledger) that is spread out across multiple computing devices (nodes). Each node saves an identical copy of the ledger and individually updates once a majority of nodes agrees with the change. A blockchain is a form of DLT, whereby data is organized in blocks, which are then linked to each other in a chain. Now that you are educated on the basics of blockchain and DLT, we take a brief look at how some central banks worldwide are experimenting with...

Salesforce took a look at business executive expectations and found that 72% now expect those who do business with them to personalize engagement to their needs, 69% expect Amazon-like buying experiences and 67% say vendors are providing more retail-like experiences than ever before. The data show customers clearly want and demand more from partners, so be aware.Speaking of customer expectations, banks too are feeling the impact of this shift. Given constant access to information, to connect with all kinds of service providers day or night, the ability to order virtually any item and see it on your doorstep within 24...

In case you missed it, Fed research finds the percentage of debt Americans owe by major category is: 68% mortgage, 11% student, 9% auto, 6% credit cards, 3% home equity revolving and 3% other. Speaking of debt, community bankers will find the most recent Financial Stability Report by the Fed interesting perhaps. At least, as it relates to one chapter on borrowing by businesses. The analysis finds business sector debt relative to gross domestic product (GDP) is at historically high levels and there are signs of deteriorating credit standards. Since community bankers do so much business with small businesses,...

CBRE did some research and asked office tenants to rank the top services or amenities they wanted. The top ones were: a fitness center (34%), wellness classes (30%), coffee bar (26%) and a cafeteria (26%). Something to think about as you glance around your own office space amenities perhaps.Bankers also need to periodically look inside the board room to identify strengths and weaknesses. We guess most community bankers who do this will see a group of people who are smart, dedicated, experienced, and ethical - but maybe not so young. In fact, only 16% of all bank boards of directors...

January, 2019

Some interesting research by EverQuote looked at the driving habits of licensed American drivers. It was about evenly split between men and women. It surfaced that about 23% of people think you must respond to text messages right away and 55% say it should happen within 5 minutes. Also interesting, about 96% of drivers think of themselves as safe, but 37% say less than half of other drivers are safe. Be careful as you drive out there, because remember there are a bunch of crappy drivers all around you as you share the road.In banking, sharing has taken on a

We wanted to share a survey by Adobe on email usage. When asked how long people wait before checking email after they wake up, most wait until they get into the office (39%), but others do so while getting ready (27%), while still in bed (23%) or when about to leave home (11%).As you think about which one of these buckets you fit into, it is worth noting that clearly different people have different ways of working with email. The same is true when it comes to ensuring proper network security. After all, not all data is important or critical,

A survey by comScore found the apps smartphone users aged 18 to 34Ys old say they cannot go without in order are: Amazon (35%), Gmail (30%), Facebook (29%), Messenger (18%), YouTube (16%), Google Maps (14%), Google Search (11%), Apple App Store (11%), WhatsApp (11%) and Instagram (11%). Bankers would love to have those percentages for their own apps, but alas it does not appear to be so. Perhaps energies instead could be spent in the area of boosting financial literacy efforts to the next level.To do so, consider perhaps making your offerings part of the bank's "university". You could offer

Amazon is an interesting company. Its share as the #1 US e-commerce player is reportedly a whopping 49%. In case you were wondering, that dwarfs #2 eBay (6.6%), Apple (3.9%), Walmart (3.7%) and Home Depot (1.5%). Meanwhile, for overall retail sales, the latest data (2017) shows Walmart on top at $375B, followed by Kroeger ($116B), Amazon ($103B), Costco ($93B) and Home Depot ($92B). It will be interesting to see where Amazon ends 2018 once the 2018 data is released.Clearly Amazon sets the bar when it comes to online and retail sales activity. It got us thinking about that often cited

People and animals can be weird, yet similar. Psychological research now finds similarities between humans and the animal kingdom in the way they approach certain ventures. It seems mice and rats (like humans), are less likely to give up and move on to something else, once they have sunk time and effort into it.This trait of persistence serves bankers well though in protecting customers against ATM fraud. As such, we thought we would update you further here, since ATMs still play an important role as a retail delivery channel for community banks.While some community banks still manage their own

Everyone knows the old saying of putting yourself in someone else's shoes to better understand their perspective. We were interested to find out though that a study surfaced last year that covered 25 experiments to see if you could do that. It found that there was no consistent evidence that trying to take someone else's perspective increased accuracy. It appears stepping into someone else's shoes is more difficult than previously thought.Over time, behavioral economists have long puzzled on the issues of how people react to money and payment. Increasingly, banks are paying attention to these findings too, as they seek

In case you were wondering or are one of those people who doesn't sleep well, we offer some new information for you to consume. Researchers have found that people who have more social support tend to get better sleep. Now maybe you can go back to sleep!For community bankers, there is no rest however when it comes to keeping customers happy. In fact, while millennials may be the customers of the future, for the present, their finances appear to be problematic. Here, BAI research found that traditional bank deposits by millennials declined about 30% in 2018, after dropping

WalletHub did an online survey of winter travel trends and found the following interesting tidbits: 64% of people said they plan to travel away from home this winter, 45% said you can find better travel deals in the winter than the summer, 40% who did not plan to travel this winter said it was because they could not afford it and 37% said travel is worth going into debt. Given winter rolls on through February, you still have some time.In the banking world, some might say customers have cooled down on ATM usage. We think that is premature, as cardless

Sadly, this is the 19th government shutdown since 1976. This is the longest one yet, so hopefully everyone gets their act together soon. In the meantime, community banks and their customers are feeling the effects, now in its fourth week. Many federal lending programs and other mortgage-related functions are delayed or cancelled, so we wanted to give you a rundown of the situation.The Department of Housing and Urban Development (HUD) is closed. The Federal Housing Authority (FHA) will endorse new single-family loans, but not reverse mortgages or property-improvement loans. Because the FHA is operating with fewer employees than usual, there

Research by projecttimeoff.com examined how Americans take vacation. Among the findings: 52% of employees end the year with unused vacation and the average employee earned 23.2 paid time off days with 17.2 of those used (26% unused). This could be your year for vacation, because 76% of those who travel and use their vacation say they are happy vs. only 48% of those who identify as homebodies. Go somewhere and have fun.What isn't fun is collecting on your small and medium business (SMB) customers. But, bankers inevitably need to do so on some customers. For many, the methods used are

HR firm Mercer did a study last year that looked at what employees really want from their companies. For the financial services industry in particular, the following surfaced: 64% of employees say state-of-the-art digital tools are important to their success; 51% want more flexible work options; 44% are worried though that flexible work options negatively impact promotions; only 31% say their company makes it easy for them to innovate.As you chew on that this morning, consider that banks are trying to innovate too with artificial intelligence (AI) to expedite decision-making and improve the customer experience too.In a report

A Harris Poll conducted on behalf of Glassdoor took a look at the top things job seekers want to see in any advertised position. Those ranked highest were: salary (67%), benefits (63%), location (59%), commute time (43%) and employee reviews (32%). Now you know, just in case you need to find a new employee this year.Speaking of things to do in 2019, bankers know cybersecurity ranks right at the top. To protect your bank, here are some tried and true ways to do so.Once a community bank determines that a bad actor has entered their system, the IT security team

A CareerBuilder study looked at the workplace and found some interesting statistics that include such things as: 58% of mangers say they did not receive any management training, 70% of employers use social networking sites to research job candidates during the hiring process and 57% found content that caused them not to hire candidates.No matter your job situation, we always like to share interesting things community bankers are doing, so today we zero in on a family-owned community bank in OK. This bank just might be targeting good customer prospects by boldly revolutionizing mobile banking. You see, it offers a

The internet is truly powerful, and as you prepare to target customers and retain existing ones this year, we thought you might like to know some statistics. For instance, for every $92 spent generating traffic online, only $1 is spent converting customers; people spend about 5 hours each week shopping online; 58% of buyers want the first sales call to include pricing information; and 63% of all mobile phone users access the internet from their phone.When you think about how best to market to customers, one area that is of interest to many banks is agricultural lending. After all, it

INRIX transportation research looked at how much time motorists spend searching for places to park and which US cities were the worst. It found people spend an average of 17 hours/year searching. The worst cities are: New York (107 hours/year), Los Angeles (85), San Francisco (83), DC (65), Seattle (58). Now you know.As you ponder your drive into work this morning, consider something closer to banking perhaps. To win, community banks must continue to set themselves apart from competitors. Community banks need to show they are tuned in to customers' needs and dedicated to providing the latest offerings. Not surprisingly,

Everyone knows bank capital is the difference between assets and liabilities. In its most basic form, if all of the assets were sold and the liabilities were paid back, what is left should be about the same as the bank's capital. The level of capital, regulatory speaking at least, is essentially the pool available to support all of the bank leverage and ensure its solvency.In an interesting twist on capital, regulators are giving well-capitalized community banks a break on the leverage ratio. The FDIC estimates that more than 80% of the nation's 5,400 community banks could qualify for a simpler

If you were wondering which movies got top ranking on Rotten Tomatoes last year, they rank in the following order: Paddington 2, Leave no Trace, Summer 1993, Minding the Gap, and Pick of the Litter. We are not saying these are our favorites for the year. But, if you have a slow weekend, you might want to check them out as the new movies roll out this year.As you think about 2019, we thought it would be a good time to highlight some things about the current expected credit loss (CECL) standard for estimating allowances for credit losses. There is

Last year was an interesting one for scientists. They figured out how to use nano-robots to kill cancer, found a large body of water on Mars, created a new drug to treat migraines, grew meat in a lab without using animals, found a 3,200 year old cheese, and birthed a healthy baby mouse from two moms and no dad. We are looking forward to seeing what discoveries this year brings.We realize that we just reported on the cyber risk of privileged users, but we haven't discussed the Sheltered Harbor program yet so we thought this may be a good time

To get more done this year, it might be time to try the Rule of 52 and 17. This rule is based on research detailed in the book, Peak Performance. It finds that using interval training similar to sports can significantly enhance productivity. Employees who work 52 minutes and then take 17 minutes of rest (interval training) should move into the top 10% of the most productive, so perhaps it is worth a try. Speaking of things to try, the same could be said of banks. Last year was an almost unprecedented year of change in regulations. New and changing

To give yourself a chance to hit your New Year's goals this year, research finds the best way to do it is to be very specific and have goals that are attainable. For instance, instead of saying you want to stop eating sweets by the end of the year, you might want to start with something like you will only have 1 candy bar per month. Specificity increases your odds of success.As you think about that, consider a new study that reveals small businesses remain eager for loans. Anticipated small business loan demand is at its highest level since 2012,

Every New Year people set goals they want to attain and 2019 is probably no different from prior years for most community bankers. Of note, however, research shows only 8% of people actually achieve their goals, so focus is critical if you want to achieve yours. Good luck in 2019!Though the number of banks in the US has declined over the past few decades, community banks remain an important part of the banking industry. Community banks number about 5,000 vs. roughly 14,000 some 30Ys ago, but remain the only physical banking option for 20% of the counties in the country.

December, 2018

A Temenos survey of bank executives identified the following as the biggest threats: new bank entrants (23%), large incumbents (20%), technology vendors (20%), fintech startups (16%) and retail entrants (10%). This is something to think about as you prepare to take on the competition in a brand new year.While we usually take this time to review major events of the current year, we thought it better this time around to set our sights on 2019 instead. There are many challenges ahead, but when it comes to the top ones, banks are in agreement: deposit growth, loan growth and new customer

While the BID is on vacation for the holidays, we thought we would share with you the most popular articles of 2018. We hope this gives you a chance to catch up on or savor one of the "oldies but goodies".Happy reading and Happy Holidays!Original Published Date: May 16, 2018CECL Time - What Examiners Will Want To KnowTime is flying in banking too, particularly when you're preparing for new rules governing current expected credit loss (CECL). Even though the effective date for most community...Read

Like all companies, community banks need talented employees to keep performance humming along. To ensure things stay that way, you should know Korn Ferry research finds 79% of US business execs say there will be a lack of highly skilled talent by 2020. That is why 73% say their company's ability to constantly reskill and redeploy their workforce is critical to success.Beyond having the right talent in place to execute on the business plan, we are happy to report that community banks outperformed middle-size and large banks for total loan growth in the Midwest, South, and West regions during Q2,

AARP recently did some research around common smartphone activities for people ages 50Ys or older. The most common were: instant messages or emails (88%), traffic information (77%), downloading an app (69%), surfing the internet (64%), getting news and other information (62%), social networking (60%), using a voice activated assistant (45%), making a purchase (35%), and performing banking or financial transactions (35%). Now, consider the age of these customers and the fact that mobile banking ranked well behind using a voice activated assistant. It sure is something to think about.The more people use technology, the more the bad guys target the

As you try to figure out the best way to capture more customers and engage with prospects next year, you might find this interesting. We looked at research by Ascend2 that asked businesses to identify their most effective digital marketing tactic used in their plan for this year. It found the top ones were social media marketing (18%), content marketing (17%), marketing technology (16%), search engine optimization (15%) and email marketing (13%). As your community bank team evaluates various ways to capture and keep more customers using digital efforts in 2019, you will likely also be thinking about the risk

Customers seem to want more and more these days, so we took a look at some data by Salesforce. It finds a whopping 72% of businesses expect vendors to personalize engagement to their needs and the percentage jumps to 80% for millennials. Further, a large 69% say they expect Amazon-like buying experiences as a business (77% for millennials). In short, business buyers clearly say they want the same experience as when they shop for themselves as a consumer. This is certainly something for community banks to consider as you work on enhancing your digital offerings and website next year. Another

Customers are a fickle bunch these days. To find out more, we looked at research by Bain & Company. It analyzed the relative impact of various elements on customer loyalty and how much each one contributed to predicting whether the customer would be a loyal promoter of a given vendor. Elements that ranked highest were: product quality (7.8%); expertise (6.1%); responsiveness (5.5%); hope (4.5%); and integration (3.9%). As your bank focuses on enhancing customer loyalty, you might drift into the world of innovation as well. Last week, we reported in the BID, Active Fintech Assistance, that the ABA

Research from the Project Management Institute highlights some sobering statistics when it comes to corporate projects and whether they succeed or fail. In particular, it finds the top 3 reasons people said projects started in the past year later failed were due to: a change in the organization's priorities (39%), change in project objectives (37%), and inaccurate requirements gathering (35%).Community bankers with limited staff due to size and extreme levels of competition must constantly manage a multitude of projects both big and small. One such area revolves around the ongoing digital revolution and the significant growth in mobile banking. To

A group of CEOs and senior business executives weighed in for a Gartner survey on their top five strategic business priorities for the next 2Ys. Those that bubbled to the top were: growth (58%); technology-related (31%); corporate (23%); customer (21%) and product (20%). As you get ready to reset the dial for 2019, we hope this gives you a high level snapshot for comparison, relative to your efforts and business priorities.This year in banking, some have been busy prioritizing M&A. Research by S&P Global Market Intelligence finds that as of mid-October (10/17), there had been 209 bank deals completed or

A survey by Robert Wood Johnson Foundation and Harvard asked those parents who said their child played a sport in the past year (72% of parents) how it benefitted their child. The top reasons given were: better physical health (88%); gives child something to do (83%); teaches them discipline or dedication (81%); teaches them how to get along with other people (78%) and benefits their mental health (73%). Being active no matter your age is just a good idea.Speaking of activities, in banking it seems like keeping up with technological changes can be difficult, and it is especially acute for

In case you were wondering, Gallup reports the top spectator sports for Americans in order are: football (37%, -14% from its peak), basketball (11%, -35%), baseball (9%, -44%), soccer (7%, +75%) and ice hockey (4%, +0%). Meanwhile, about 15% of people now say they do not have a favorite sport vs. only 8% back in 2000. Perhaps the data is reflective of the demographic shift that is occurring over time.The banking industry is also seeing a shift in many different ways over time. In one, the industry continues to move away from paper documentation wherever possible. As such, e-signatures are

'Tis the season to buy things, so we thought you may be interested to know what CNet's top holiday picks were for this year: Under $50 - Amazon Echo Dot; Under $75 - Roku Streaming Stick Plus; Under $100 - Amazon Fire HD 8; Under $250 - Google Home Hub. Now that you have some ideas to get your shopping done, we draw your attention to your business continuity plan.Every banker knows that a well thought out and constructed business continuity plan (BCP) must be in place to protect the bank, should something unforeseen occur. But, when a power outage

We all know the holiday rush can mean a lot of pushing and shoving, if we are not careful. But, did you know that Walmart has used virtual reality to train one million of its employees to deal with this sometimes high-stakes activity? Now you know.Speaking of pushing, the United States Postal Service (USPS) won't be getting pushed or pulled into the banking business just yet, according to a new report released by the Treasury. The report is the result of efforts begun in April focusing on how best to overhaul the USPS business model to make it

The Bureau of Labor Statistics (BLS) reports the average percentage of the US population 15Ys and older that is engaged in sports or exercise each day is about 19% overall. That has been roughly about the same over the past decade. In case you were wondering, the most popular sports or exercises people do in order are: walking (30%); weightlifting (13%); using cardiovascular equipment (13%); swimming, surfing or water skiing (8%); running (7%); basketball (5%); golfing (4%). Enjoy this info no matter your exercise of choice.Speaking of information to share, community bankers do great business with both small and midsized

There is an old saying that 50% of marriages end up in divorce. This originally came from data in the 1970s, but it never got near that level and isn't even close today. The data keeper on this is the Census Bureau and it reports that 72% of people are still married to their first spouse. Of the 28% who aren't, a portion is because their spouse has died. In fact, it has been found that maybe 20-25% of first marriages have ended in divorce. So, now you know.As you ponder the data above, you might also want to take

When you go through airport security, things can quickly get lost. CNN analyzed TSA data of items passengers have reported missing and the most common ones are: jewelry/watches, clothing, travel accessories, personal electronics, computers or accessories, and cosmetics or grooming. Hopefully, this helps you see how your stack up the next time you lose something while traveling.Today our topic is a very serious one though, namely workplace violence. The Occupational Safety and Health Administration (OSHA) tracks workplace violence. It describes such violence "as any act or threat of physical violence, harassment, intimidation, or other threatening disruptive behavior that occurs at

To get a better idea of when you might want to consider yourself getting old, look no further than a survey by Pew Research. It asked people this very question and ranking at the top were when you: turn 85 years old (79%), can't live independently (76%), can't drive a car (66%), turn 75 (62%) or frequently forget familiar names (51%). No matter your age, at least you now know a bit more about what others may be thinking, as you edge past certain mile markers in life.In community banking too, certain mile markers should be more closely monitored than

November, 2018

At any given time in the US, some 4mm people are undergoing some form of orthodontic treatment, like braces, for their teeth. Of note, the American Dental Association (ADA) finds 70% of braces are on females and the majority of these patients are 12-15 years old. The perfect time to get braces is reportedly 10Ys old and it can take 18 months for braces to straighten teeth. Oh yea, one final tidbit for you this morning comes from a survey done a few years ago. It found 38% of Americans would rule out a second date with someone with misaligned

An AARP survey of adults 18Ys+ finds 76% of Americans 50Ys and older say they want to stay in their current residence and 77% would like to live in their community as long as possible. Also, while 33% of those who own a home say they expect it will need major modifications to accommodate their aging needs, 24% of those 50Ys+ plan to relocate and move instead.No matter your age or stage in life, when it comes to how banks are handling cyber breaches and threats, there is a lot more that can be done. Look no further than

You have heard the saying it takes much fewer muscles to smile than to frown. The truth is that no one really knows. What we do know is that there are 43 muscles in the face, and until science tells us otherwise, it may be worthwhile to try to smile. At least, it will make you and others around you feel better.To put a smile on your employees faces this time of year, most bankers go the vault, bring out a big pallet of money and start handing it out. That works, of course; it is the traditional way to

All banks want more customers, and mobile banking is a good way to get them. The key in all of this of course is to deliver a service customers want. That is why we share here the key reasons millennials said they abandoned mobile banking, from a Jumio survey. Those were: process too long (38%), forgot password (27%), authenticating myself was too time consuming (22%), process too complicated (19%) and difficult filling in forms on my mobile device (18%). This may give you some areas of focus, as you look to improve and ensure your mobile process is strong. As

Having the right perspective is important. For example, you may have read a headline that said regulators want to loosen regulations for community banks. While that sounds great, we actually dove deeper for more insight. What we found is really sad. Basically, the article was referring to "community banks" that are $100B to $250B in assets. You heard right - the skew is so bad that pundits now seem to consider these massive behemoths as community banks. Next thing you know, you will see an article about helping really small retailers, like Amazon.If that isn't wild enough for you, today

You are probably still stuffed from your Thanksgiving fun yesterday and we are too. Here are some interesting facts about the holiday: 57% of people celebrated at home; 64% ate mashed potatoes; the most expensive item on the table was the turkey. As you gnaw on that leftover turkey leg, know that in the banking world, about 33% of Americans now rely on mobile and online fintech applications to manage their money. This includes everything from making payments, to applying for loans or even investing for retirement. Yet, despite the rising popularity of money management apps, the majority of people

The Census Bureau finds that pretty much from 2010 onward, the proportion of 18-24Y olds cohabitating with someone exceeded those living with a spouse (9.4% vs. 7.3%). Meanwhile, today about 14.8% of those ages 25-34Ys say they too cohabitate with a partner vs. 40.3% who live with a spouse. As the data clearly shows, cohabitation is a thing.Switching gears, we know that getting a loan from a large bank can be a challenge for a small business startup. Large banks have global standards for determining credit worthiness that can be difficult for these new business owners. This is good news

To give you something to talk about at lunch today, consider the Census Bureau reports the top countries that import the most into the US are: China (21%), Mexico (14%), Canada (13%), Japan (6%) and Germany (5%). Meanwhile, the primary countries we export to are: Canada (18%), Mexico (16%), China (8%), Japan (4%) and the UK (4%). No matter what your customers import into the branch when they visit, taking video on their phone is a definite no-no. Sadly, more and more customers are using their cell phones to videotape even routine commercial interactions. That increases risks for banks. Look

About 40% of the US adult population ages 18 to 69Ys old say they have a tattoo. Given the art of tattooing goes back some 6,000 years and there are more than 20,000 tattoo parlors in the US alone that seems to make sense. To avoid getting tattooed of another sort by your competition in the payments space, your community bank should get directly involved. Today we talk more about that.Through its faster payments project over the past 2Ys, the Fed collaborated with a diverse group of industry influencers and stakeholders. The goal was to develop suitable approaches and solutions

Community bankers know some people don't have a deep understanding of the financial world. Certainly, it can seem complex. On that note, we thought it interesting that Knowledge Academy found the financial terms people are the least sure about are: bitcoin (52%), index fund (49%), asset allocation (44%), endowment (42%) and stock options (42%). It just goes to show you that some unfamiliar terms can be confusing until you learn exactly what they mean and commit that to memory.Bankers have to absorb new words and phrases all the time and one of those is known as tokenization. In the security

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

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

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

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

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

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

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,

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

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

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
10/04/2018  -  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  -  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  -