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Banc Investment Daily Archives

May, 2018

May 17, 2018  -  Cross-Selling For Success

HubSpot research finds 96% of companies that have 101 or more new opportunities in their sales pipeline each month achieve their quota vs. 85% for those with 51 to 100 opportunities and a dismal 18% for those with less than 50. Clearly, it seems there is a link between sales opportunities in the pipeline and achieving sales quotas. Now you know.Speaking of sales, bankers should note that despite the issues at Wells Fargo as of late, cross-selling doesn't have to be a bad word. In fact, small business owners want their bank to cross-sell, according to a Barlow Research Associates...

May 16, 2018  -  CECL Time - What Examiners Will Want To Know

The American Payroll Association reports about 10 minutes per day/per employee, is lost as a result of people leaving early, being late and taking long lunches. For a company with 100 people, given 240 working days per year, that adds up to about 4,000 hours per year that disappears due to inefficient time usage. Time 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 banks is not until January 1, 2021, regulators have begun to ask questions about how well CECL preparation is...

May 15, 2018  -  Slathering On IT Takeaways

In most parts of the country it feels warm outside and summer is just around the corner. As such, we point out a couple of not so sunny facts about skin cancer from the American Cancer Society to help keep you and your loved ones safe this summer: skin cancer is the most commonly diagnosed cancer in the US and tanning is actually the body's response to injury from the sun. As for sunscreen, research shows a sun protection factor (SPF) of 15 blocks out 93% of the sun's UVB rays vs. 98% when the SPF is 50 (no difference...

May 14, 2018  -  Keeping Healthy On LinkedIn

Harvard research finds US women and men who maintain healthy lifestyles live much longer than those who do not. Researchers estimate life expectancy at age 50 for women who do not adopt any low risk lifestyle factors is 29Ys, compared to 43.1Ys for those who adopt all five low risk factors (+18%). For men, the shift goes from 25.5Ys to 37.6Ys (+16%). So, if you want to live much longer, you might want to focus on: not smoking; low body mass index (18.5-24.9 kg/m2); at least 30 minutes of moderate to vigorous physical activity per day; moderate alcohol intake (up...

May 11, 2018  -  Don't Be Left Out On Amazon Lessons

A survey by health insurer Cigna shows it sure is lonely out there. A shocking 50% of respondents say they feel alone or left out always or sometimes. Even more surprising, younger people in Gen Z (18 to 22Ys old) rated themselves 23% lonelier than the group aged 72Ys or older. This survey should sound alarms with parents, who may think that social isolation and loneliness are out of range for this younger generation.In the banking industry, it can certainly seem lonely too - especially when one considers the competitive risk of an unregulated entity like Amazon entering into the...

May 10, 2018  -  Speaking The Language Of Data Security

A new study by MIT researchers finds that if you are interested in learning a new language, the best time to do so, to become as proficient as a native speaker, is before the age of 10. You can still learn languages after that, of course, and even understand them. But to truly master speaking, it looks like it is more child's play than anything else.Bankers certainly don't play around though when it comes to protecting customer and bank data, but it is critical to stay vigilant. In fact, as of February 21st, there had already been 140 data breaches...

May 09, 2018  -  Launching CECL With Your Board

As a kid, everyone at one point or another probably looked at the stars in the sky and thought how amazing it might be to become an astronaut. Fast forward and SpaceX/Tesla founder Elon Musk says he will send the first manned mission to Mars in just 6Ys. That's right, we finally get to meet the Martians we have long heard about to see what makes them tick.*Note: I took out the last sentence of this paragraph before track changes... Bankers too have to deal with the launch soon of new rules for calculating current expected credit losses (CECL). Community...

May 08, 2018  -  Banking Apps With A Hot New Idea

Research finds most people like a good cup of morning coffee. In fact, 64% of Americans say they drink at least 1 cup of coffee each day and the average person guzzles 2.7 cups. Of those who say they drink coffee, 76% add milk, cream or sugar, while 24% take it as it comes. Finally, 66% of women and 62% of men say they drink coffee every day.Like most people, most bankers also like a good cup of morning coffee, as they think about the day to come. As you do that this morning, consider that banking and non-banking services...

May 07, 2018  -  Cushioning Your Bank From More Cyber Risks

You may find it odd, but Ancient Egyptians reportedly used slabs of stone as pillows. Imagine a pillow fight back then! In more modern times, experts say you should replace a feather pillow about every 8Ys, a down pillow every 7Ys and a polyester pillow every 1Y. Guess you don't need to worry about that too much if you are still using a rock.No matter how you slept last night, you know that publicity of all sorts is usually good for the bank. You should also know that when you take the time to talk with a reporter, you're doing...

May 04, 2018  -  Roman Inventions And Digital Ads

The Romans sure invented some interesting things in their time. They invented concrete, aqueducts, newspapers, welfare, roads, arches, and even the modern day calendar. Oh yeah, they also invented using urine to clean and whiten teeth. Gross, but it just goes to show you some inventive types might not know when to stop.Today's modern technology revolution has forced banks to invent new digital ways to connect with clients. This has also prompted some community banks to shift marketing efforts from traditional advertisements to digital ads. While it makes sense for community banks to focus marketing efforts on the venues that...

May 03, 2018  -  Helping Farmers Weather The Hairy Storm

In a strange twist of fate, a story is told of a man in 1567 with the longest beard in the world. It seems he was trying to run away from a fire and tripped over his own beard. Guess it still makes sense not to let any facial hair get too out of control perhaps.Bankers that are active in agriculture (Ag) lending know it is important to stay on top of things to avoid potential issues. Farmers are struggling with low prices for wheat and row crops, especially in the corn-, beans-, and wheat-producing Midwest and Great Plains. The...

May 02, 2018  -  Fizzy IT Connections

There is nothing like a good fizzing drink to better enjoy your meal. However, that isn't likely the case in areas that have glaciers and icebergs. You see, in those parts of the world, when such icy behemoths melt, they reportedly make a unique fizzing noise that researchers call a bergy seltzer - plop, plop, fizz, fizz, everyone.When it comes to banking, some would say the fizz and sizzle of the branch has gone flat. After all, remember the good old days when a bank kept its valuables in a vault? Things are different in the digital age, particularly when...

May 01, 2018  -  A Taste For C&I

As you eat your breakfast this morning, consider something. The ring shaped pieces in Froot Loops cereal are bright and different colors (green, orange, purple, yellow and red). Yet, despite the different colors, they actually all are exactly the same flavor - a blend of fruit flavors. Sorry to splash natural and artificial colors all over your childhood, but even though your brain has been fooled for all those years, we would still say the Froot in the Loops tastes just as good now as it did back then.Since their childhood it seems, community banks have been working to expand...

April, 2018

04/30/2018  -  New Ways To Wake Up To Mobile

We found it interesting to know that the average person falls asleep in just 7 minutes, while experts say you should be able to do so in 10 to 15 minutes, and if it takes less than 5 minutes you are sleep deprived. Speaking of all things sleep, you may not know that cats sleep about 67% of the time, large dogs sleep about 75% and humans only sleep 33%. Also, 12% of people dream only in black and white and 15% of people are sleepwalkers. When it comes to banking, the need for mobile connectivity is so potent that

04/27/2018  -  Small Businesses Seeing Improved Conditions

Everyone blinks. In fact, the human eye is actually closed about 30 minutes each day from the blinking process. That says something because the average blink only lasts 1/10th of a second and you blink about 12 times every minute. One more interesting thing to know about the eye - the activity of seeing is so complex, it takes about 50% of the brain to manage it all. Small businesses have been seeing business conditions improve, if February's National Federation of Independent Business's (NFIB) Small Business Economic Trends Survey is any indication. The survey's Business Optimism Index hit

04/26/2018  -  Munching On Mobile Cybersecurity Tips

We aren't dieticians, but found it certainly interesting that research finds you burn more calories eating celery than it contains. After all, it only has 6 calories and is about 95% water. The good news is that one cup of celery gives you about 30% of the recommended daily intake of Vitamin K, which plays a key role in helping blood to clot and assisting in absorption of calcium from food. Of note, celery is part of the parsley family, which also includes carrots and cumin.While certainly not as good for you as the crunch of a good stalk of

04/25/2018  -  Chocolate And Healthy Leadership

It seems if you have a chocolate factory by your home you are more likely than not to consume it. At least that is the result of a study by Leatherhead Food Research that looked at which countries consume the most chocolate. As you might guess, Switzerland came in first (Nestle, Lindt) with a whopping 11.9kg of chocolate per capita consumed (about 240 bars of chocolate) per year. It was followed by Ireland (9.9kg), UK (9.5kg), Austria (8.8kg) and Belgium (8.3kg). The US ranked #15 at 5.5kg.No matter what foods you like to consume, it is important for bankers to

04/24/2018  -  Translating Media Interview Tips

According to the worldatlas.com site, the most popular languages in the world (determined by both native and acquired language speakers) are English, Mandarin, Spanish, Hindustanti and Arabic. Here in the US, the languages spoken at home by the most people are English (79.6%), Spanish (13.5%), Chinese (Mandarin/Cantonese 1.1%), Tagalog (Filipino 0.6%) and Vietnamese (0.5%). For what it is worth, English speaking translators say the most difficult language to learn is Mandarin.For their part, bankers speak to the media in order to boost exposure for the bank and to get free publicity. To get the best return on your time and

04/23/2018  -  The Impact of Community Banks - 4 of 4

To end our celebration of Community Banking Month, we bring together a mix of outreach stories. We cannot possibly capture all the wonderful ways community banks help their neighborhoods every day. But, we hope that we have given you a peek into the impact community banks are making. Fighting HomelessnessExecutives of Golden Pacific Bank in CA ride their bikes in downtown Sacramento to reach out to homeless in need.River City Bank in CA awarded $100k to Sacramento Cottage Housing, which provides long-term housing and training programs for the formerly homeless.Berkshire Bank of MA gave

04/20/2018  -  Pecking Away At CECL - Which Methods Work Best?

If you have ever been to Miami, you know that it is known, among other things, for its pink flamingos. What you may not have known though is that there are more plastic flamingos in this country than real flamingos. Before you fly away this morning, know that most community banks are beginning to peck away at the new Current Expected Credit Loss (CECL) rules. This is important because CECL could produce difficult choices, as it requires banks to compute expected losses over the life of a loan when the loan is originated. When we surveyed community bankers about their

04/19/2018  -  Going Ape For Real Time Messaging

If you are wondering how advanced humans really are from apes, consider this strange fact this morning. It seems researchers somewhere fed human birth control pills to gorillas and found they work just as well as they do on humans. Maybe that's also why they say humans share over 90% of DNA with primates. The DNA of big banks is that they don't wait for customers to visit a local branch, but rather have ramped up real time messages like "your checking balance is low" or "your credit card activity is unusual." While this may be a basic service for big bank customers,

04/18/2018  -  Finding The Sweet Spot With Seasonal Customers

Those who have been around for a while will remember an old TV advertisement that featured a smart owl that was asked how many licks it took to get to the center of a Tootsie pop. The owl licked three times before eating the rest of the candy whole. In reality, it seems people have tried this and the actual number is somewhere closer to 140 licks.As you search the office for a Tootsie pop to test this out, you already know it can be very tough for your customers to run their small businesses. It's even tougher when the

04/17/2018  -  Don't Tune Out Millennials

If you are musically inclined, some people may say you have an "ear" for music. We find that particularly funny this morning, as it is also said that most toilets flush in E flat. So, the next time you musicians are using the facilities, be sure to check it out for yourself.Before you tune us out today, consider that contrary to popular belief, many millennials actually care about their finances. As such, banks that can best help this customer group achieve their goals could win their business.Individuals ages 23 to 37Ys old are actually just as good, or better, than

04/16/2018  -  The Impacts Of Community Banks - 3 of 4

For the third week of Community Banking Month, we want to focus on community banks' good works with a little different approach - specifically looking at financial education outreach. We showcase a few diverse and influential ways to help out, but many of you are likely doing something like this as well. We thank you for your steadfast commitment to the community.Children's Savings Account (CSA) ProgramHeritage Bank in WA is an operating and cohort sponsor for a CSA program with Tacoma Housing Authority. This sponsorship teaches low-income students how to save as well as enrolling and funding

04/13/2018  -  Alexa And Model Risk Management Pitfalls

For those readers who like to try different things when speaking to Amazon's Alexa, you might be interested to note that the voice assistant can now make donations to charity for you. Since bankers are always interested in things that could impact their business, monitoring what is going on with voice/digital assistants makes sense too. When it comes to making business decisions, financial modeling is yet another smart thing community bankers can do to stay on top of things. After all, models have limits and thus create risks for bankers. As a result, investing in sound risk modeling can be

04/12/2018  -  DNA Tests And Financial Advice

A study by diagnostics company Ambry Genetics finds up to 40% of at-home DNA test kits consumers are flocking to can be incorrect. It seems false positives with these tests are common. Nonetheless, we still find the tests fun, although it might not make sense to see them as deeply diagnostic, given such limitations. Multiple studies in banking also try to diagnose what customers may or may not do now and in the future. Here, a recent JD Power study on banks and financial advice finds that more than 75% of US retail bank customers polled say

04/11/2018  -  Tips To Stop Stressing About Payroll Phishing

A study on mobile phone usage finds running out of phone battery at a crucial time can be more stressful than running late to work or going to a job interview. People seem to feel more isolated or unable to perform to their capabilities without a working phone. No matter what stresses you out, Intermedia's 2017 Data Vulnerability Report finds roughly 20% of office workers certainly have been stressed due to becoming a victim of a phishing email. These types of attacks are on the rise, so banks need to know what to look for and how to respond.

04/10/2018  -  Taking A Crack At Digital Lending?

Scientists still don't know why knuckles crack when you bend them, but some think the size of bubbles around the knuckles may be the reason. We will keep watching to see if more evidence bubbles to the surface, but in the meantime scientists say cracking your knuckles probably doesn't do any harm. In banking, evidence suggests bank digital lending strategies may not be all they are cracked up to be either. We know that community banks are likely even more reticent in this department, but we thought the 2018 ABA State of Digital Lending survey, provided some fresh

04/09/2018  -  The Impact Of Community Banks - 2 of 4

For the second week of Community Banking Month, we want to continue to recognize some of the distinctive and special ways community banks are supporting their local populations. Today, we provide you with stories that embody both responsiveness and creativity in giving. Where there is a need, community banks reach out. We honor you all for your tireless commitment to your communities. Wildfires and MudslidesMontecito Bank and Trust in CA was one of the few banks that remained open during voluntary evacuation. It provided 1500 face masks and 12 air purifiers in its branches, and distributed 15,000

04/06/2018  -  Fast Data And Automation

The fastest car in the world is reportedly the Bugatti Veyron Super Sport, which can go from 0 to 60 in 2.4 seconds and reach a speed of 267 mph. That is really fast, but still crazy when you consider a cheetah can go from 0 to 60 in only about 3.0 seconds. Speaking of all things fast, consider the speed of the flow of data in the banking world. By 2020, each second will bring approximately 1.7mb of new data for every person on earth. Hook this data to apps and other artificially intelligent (AI) offerings, large and small

04/05/2018  -  Sprinting Good News With MOBILE Act

You may not know it, but the current world record holder for the fastest mile in the world for men is Hicham El Guerrouj at 3:43.13 and for women it is Svetlana Masterkova at 4:12.56. Now, most community bankers probably don't race around their bank that fast, but if you are trying to set a personal best and have some track blood in your veins, you know the times to beat.Standards in track are important but standards in banking are even more important to community bankers. That's why so many are interested in legislation passed recently by the House of

04/04/2018  -  Clean Hands With Cannabis Businesses

Did you hear how a Chick-Fil-A employee helped a 4Y old boy? The boy walked into the men's room even though his mother had planned on taking him to the ladies' room. The boy needed to wash his hands, but soon realized he was too short. So, he did what any kid would do and popped his head under a bathroom stall and then joined an employee in that stall to ask for help. The employee helped the boy and posted a video of it on social media - which went viral with 10mm views! Keeping hands clean is not

04/03/2018  -  Socializing With Your Customers

Some of us feel a little more stressed around tax time. United Way Worldwide survey found that almost 75% of millennials feel stress around this time. This is commonly due to worries about making a mistake (48%) or not getting a full refund (23%). Another stressor (if they found out about it) could be that many are not claiming the number of tax credits they have earned. Could social media connections help them feel better about filing next year? Who knows, but social media is definitely important in many ways.Although we have touched on social media a few times before,

04/02/2018  -  The Impacts Of Community Banks - 1 of 4

The Chronicle of Philanthropy reports the largest charitable donations of 2017 were from Bill and Melinda Gates ($4.6B), Mark Zuckerberg and Priscilla Chan ($1.9B), Michael Dell ($1.0B), Henry Hillman ($800mm), and Herbert and Florence Irving ($600mm). Like these great philanthropic givers, community banks also give back all the time to their communities. Also, since April is Community Banking Month, we want to recognize some of the impactful ways community banks are supporting local businesses, nonprofit organizations and others. In February, we asked banks to share their stories of community support and outreach programs. We received many wonderful stories. Unfortunately, we

March, 2018

03/30/2018  -  Outsourcing IT Security Options

The world's most popular websites according to the World Economic Forum are Google, YouTube, Facebook, Baidu and Wikipedia. Given how much people use the internet, no matter the website, risk has increased.It can be difficult and expensive to develop an in-house cyber security team. This is true, in part, because of a nationwide shortage of cyber security talent. For community banks, outsourcing IT security can be good but it also can increase risks. As you think about whether and when to call in IT help for your teams, you will still need in-house capabilities. To begin, ask how complex your

03/29/2018  -  RegTech Progress Made

If you have ever watched Wheel of Fortune, you probably know that the most frequently used letters of the alphabet are: E, A, R, I and O. So, enjoy your EARIOs this morning as you astound your friends and family.Regulatory technology (RegTech) is the fastest growing segment within the financial technology (FinTech) arena of development. RegTech aims to take the ever-changing and complicated demands of banking compliance and make them more automated, less expensive and less time-consuming. While we have covered RegTech in the past, we thought it was time for an update.RegTech is big. Firms playing in this subspace

03/28/2018  -  Minimizing Errors And Small Business Loan Risk

People make mistakes all of the time when it comes to grammar. Whether it's (its) your (you're) issue or theirs (they're, there), problems abound, leading many writers fumbling for effect (affect) on you too (to). Small-business loan delinquency rates are still low, but they have climbed a little from their 2013 low. Defaults are also slowly rising, from 1.5% in 2015, to 1.8% in 2017, to a forecast of 1.9% in 2018, according to PayNet's Absolute PD Forecast Default Rate Chart. To help navigate through this rising risk and minimize errors, we have five tips to share.Tip 1:

03/27/2018  -  Exercising Model Risk Management

For 3Ys in a row, over 50% of Americans are exercising the recommended amount. Strangely, that is not making a difference on the obesity rate, which continues to rise. It reached an all-time high of over 31% last year according to the CDC. It seems the daily recommended amount of 150 minutes per week (21 minutes per day) of moderate exercise may not be enough after all.As we continue to look for a magic formula to keep us healthy, bankers may be looking for a magic tool to help guide them in the countless decisions they must make around the

03/26/2018  -  Reading Up On The State Of Community Banking

Have you read a book in the last year? Pew Research shows that more than 25% of Americans have not even read part of a book in the last 12 months. You wouldn't think that is a big deal - after all, we are all really busy. But, studies show there are many benefits to reading books, including being more creative and open-minded, as well as living longer and more successful lives. Community bankers may or may not be reading more this year, but they are studiously trying to grow and pay more attention to a number of industry challenges.ICBA's

03/23/2018  -  Innovative Internships To Attract Employees

For the first time, Coca-Cola will be making alcoholic drinks to sell in Japan. Coke plans to mix its cola with a distilled grain-based alcohol to deliver a ready-to-drink, alcoholic beverage. This market grew 9% last year. Coke has launched other innovative products outside of the US before, such as a high-fiber version of Coke called Coca Cola Plus, but this is the first move into the alcohol market. This Coca Cola innovation is a good lesson for bankers too. No, you shouldn't get into the cola/alcohol biz probably, but change is good. After all, there are many new and

03/22/2018  -  Tiny Houses And Automated Marketing

Studies indicate 1.2B people worldwide do not have proper shelter. As a result, a startup in Austin decided it would work to change that. Using a heavy-duty 3D printer, the startup can "print" a single story, 650 sq ft house out of cement in 12-24 hours. This may seem a little unbelievable, but if all goes well, the company will be building 100 homes in El Salvador next year. Even more interesting perhaps is that a printed house only costs $10k and the startup expects that will eventually come down to $4k. It looks like the tiny home market could

03/21/2018  -  Money Motivation With The Tax Cut

According to creditcards.com, as many as 12mm Americans have admitted that they hide money from their significant others. We are not exactly sure the motivation for doing this, but experts say this is not a good thing as it builds distrust. These days, it is not as easy as hiding a wad of cash in your sock drawer either. In our high tech, data rich world, it is about as easy as a P2P text message or mobile deposit notification to find out about any extra money being kept by your partner. On the flip side, many companies seem motivated

03/20/2018  -  Sleep, Fraud And Customer Experience

If you live in most areas of the country you are still probably adapting to the change to daylight savings last week. Studies show that even 1 hour of lost sleep can make you hungrier, lower your immunity, decrease your focus at work and even cause more accidents. You may be wondering if the loss of sleep is worth the extra daylight. You will be happy to know that community bankers are definitely not asleep at the wheel when it comes to fraud. That said, sometimes it feels like the more you do, the more fraud increases and the more

03/19/2018  -  Working On Digital Transformation

A Gallup survey finds 43% of surveyed adults spend at least part of their time working remotely. The top 7 list of jobs most often cited includes: client services director, speech language pathologist, business development manager, developer, nurse, account manager and accountant. We note community banker isn't on this list, which is odd in a way because bankers every day busily engage with customers in person and remotely. After all, there is more than one way to engage with customers, and community bankers everywhere are balancing in person structures with the digital transformation wave that is already washing ashore. Banks

03/16/2018  -  Recovering With A New Bank Leverage Ratio

What a bizarre story. It seems a neurosurgeon at Kenyatta National Hospital in Nairobi did brain surgery on the wrong patient. ID tags were reportedly mixed up between this patient and another one. The patient is fine, but the hospital suspended the surgeon and others on the team. That sounds like the right step to take until you hear that a bunch of other doctors are on strike now until a whole bunch of operational procedures are fixed and the doctor is reinstated. It seems this boneheaded hospital has not yet relented, despite the fact there were 2 patients admitted

03/15/2018  -  Working Hard For A Top Notch CISO

A Rooster Money survey finds children ages 4-14 received an average allowance of $454 in 2017. The top paying chores for kids were: washing a car ($12.49), babysitting ($12.44) and gardening ($9.93). At $454, you could have your cars, your neighbors' cars and your relatives' cars all washed. Not only that, but chores can also build character and start good money management habits for children. Given all of the cyber risk in banking these days, there are also plenty of chores for a chief information security officer (CISO).At most community banks, IT teams wear multiple hats, so it isn't uncommon

03/14/2018  -  High Achieving Deposit Activity

Do you work long days? If so, you should know several studies find working less, but more effectively, can actually help you achieve more. In fact, working too much may actually be stunting achievement. High achievers like Teddy Roosevelt, Charles Darwin and Ernest Hemingway, among others, only worked a few hours a day. As you tell your boss or the board that you are going to work from 8am to 10am from now on, there are a few things to remember to boost productivity: focus, don't multitask, take good breaks (no social media during breaks) and nap.In banking, the latest

03/13/2018  -  Central Banks Fly Over Big Data

Air-taxis sound a bit like the Jetsons (futuristic cartoon from 1962-1987). But, they could be coming sooner than you think. Uber has teamed up with Bell Helicopter to transform mass transportation and introduce air-taxis under their partnership by 2025. Bankers having to deal with even some traffic gridlock on a regular basis will welcome this news no doubt. That is big news and speaking of all things big, today we discuss where big data has gone in banking. The idea behind big data is to gather together tons of information that the bank has and comb through it to identify

03/12/2018  -  Avocados And Virtual Reality Banking

You may have heard that millennials like avocados. Well, they are taking it one step further by using their favorite fruit to propose. That's right - avocados are fruit and there are many instances where people have proposed using a ring in the middle of an avocado. Even #avocadoproposal is now a thing. This trend has even crossed the Atlantic as a British supermarket carries avocados with the stickers "perfect for proposals". What ever happened to using a simple ring box, we wonder? If creativity is the name of the game, could proposing eventually become virtual with limitless possibilities?Virtual reality

03/09/2018  -  Mullets And BSA/AML Scrutiny

The Beastie Boys are credited with coining the terms mullet and mullet head. This short in front and on sides but long in the back haircut is certainly something to behold. So, we wonder how you feel about it. Well, if you live in the small town of Kurri Kurri, Australia, you most likely will be celebrating the mullet and proudly wearing one. The town has a festival with a contest for the best everyday mullet, the best grubby mullet and then of course, the best women's mullet. You may not be incentivized to be creative with your next haircut,

03/08/2018  -  Banks Aren't Hunting For AI

Did you hear about the hunter that was struck on the head by a falling Canadian goose? The hunter was actually knocked unconscious and suffered head and facial injuries. In case you were wondering, it wasn't karma. Apparently, a nearby hunter fired into a flock of geese overhead, killing one of them. That goose then fell some 90 feet and struck the other hunter on the head. For the non-hunters in the crowd, you can stop laughing now, and for the hunters out there, you might want to buy a helmet. In our industry, it seems at least some small

03/07/2018  -  Long Live Equipment Financing

New research from the University of California, Irvine shows drinking about 2 glasses of wine or beer a day is linked to an 18% decrease in a person's risk of early death. The study was done on the habits of people living to at least 90. Although not yet published in a scientific journal, this study is interesting. While there may not be any beer or wine involved, many equipment-intensive businesses, such as construction and farming, have relationships with community banks. Interestingly, these customers may not think of community banks as potential sources of funding when they lease

03/06/2018  -  Shared Work Spaces & Student Loans

Shared work spaces are all the rage these days, as companies seek to control expenses as they plot aggressive growth strategies. In this area, a new company called Birdnest has reportedly found a way to match startups with unused office space and underutilized restaurants. We think this is an interesting way to fill empty spaces in this flexible world and it may even allow building owners to eat their lunch and have their meeting too. Just as shared work companies have been thinking outside of the box, a number of banks are joining forward-thinking companies in order to attract young

03/05/2018  -  Bank CEO On Tour - Cheesy Or Smart?

We thought it was interesting that today is National Cheese Doodle Day. Although it is not certain who the actual inventor of the cheese doodle (aka cheese puff) is, Morrie Yohai seems to get most of the credit. By the way, the world record for the most cheese puffs eaten in 20 seconds is 13 - about one every 1 1/2 seconds. We wouldn't encourage speed eating them, but having a bag of cheese puffs with lunch may not be a bad idea to celebrate today. As you munch on your bag of cheese puffs, ponder the

03/02/2018  -  Keep Doing What You Do

National Geographic indicates the praying mantis lives about 1Y in the wild and goes by the scientific name mantis religiosa. These tough insects known as mantids can also turn their heads 180 degrees to seek out prey. We all know they have two large compound eyes on the sides of their head, but you probably don't know that there are another three simple eyes located between those big bulbous babies. In this rapidly changing industry, it is always good to know what the bank customer experience is, in order to address any service gaps and drive customer retention. Of

03/01/2018  -  Embarrassing Fraud And Other News

People in Japan seem to generally love technology and this country is one of the fastest adopters of all things tech. Now it seems this love of technology has moved to the weather. That's right, Erica the robot or weather bot has arrived. Erica is designed to look like a 23Y old woman and she will reportedly even sit behind a news desk. She will read a teleprompter starting this spring. We wonder how long it will take for Erica to show up on news broadcasts in the good old USA and whether her weather forecasting will be any more

February, 2018

02/28/2018  -  Regulatory Supervision, Trust And Distance

At the end of last year, some fool in Virginia tried to steal a car. While that sort of thing happens all the time around the country, this brainy crook took steps to look even dumber when he was caught. When arrested that same day, the police laughed when this fool was wearing a t-shirt that read, "Trust Me." We found this very comical indeed.It turns out banking industry researchers from Washington University in St. Louis have been having fun of another type as of late. They dove deep into the data to take a close look at

02/27/2018  -  Singing To The Tune Of The New Bank Workforce

You have to love this one. Lucerne University in Switzerland said it will start teaching people how to yodel. That's right - the university has hired a world class singer to teach this singing style. For the expert yodeler bankers reading this morning, you already know that yodeling involves quick switching back and forth from a low to high pitch. For the historians in the crowd, yodeling was used way back in 1545 when herders reportedly called between their villages or wanted their animals to return.We don't know too many bankers that yodel, but there are probably some out there,

02/26/2018  -  Stepping Into Branch Redesign Tips

Shoes are big business when you consider sales in the US are expected to generate $83B in 2018. If you have shoe manufacturers or retailers as your customers, you will be happy to know this. Of course, shoes are designed for many tastes and styles, which happens to be the same for bank branch designs. Given all the advice swirling around about branch design, it's easy for a community banker to hit information overload. Are there in fact principles that bankers can use to guide good branch design? How much space do you need to devote to tellers vs. digital

02/23/2018  -  Staying Healthy With BSA/AML Challenges

Doctors always remind people to wash their hands with soap and water (particularly during flu season), eat good food and get plenty of rest to stay healthy. Maybe it is time someone warned you about the risk of holding back a big sneeze. Believe it or not, doctors in the UK reported a 34Y old man who felt a sneeze coming on tried to contain it and was hurt by doing so. Doctors say one of the worst things you can do is try to clamp your nose and mouth shut to try and quiet or contain a big sneeze.

02/22/2018  -  No Horsing Around With Remote Deposit Capture

You might not believe it but a woman in Florida was arrested by the police for riding her horse on a highway. The issue wasn't that she was riding the horse, but rather that she wasn't doing so on some country road. Compounding matters, she was apparently drunk as she galloped on down the highway. The woman was charged with a DUI and the horse was probably put out to pasture.In banking, small businesses have been regular visitors to community bank branches since you tied your horse to the hitching post out front. Those days are long gone, however, and

02/21/2018  -  Oysters and Banking Technologies

Now we have seen it all. A French restaurant has reportedly installed vending machines that can spit out oysters for hungry customers 24 hours per day, 7 days per week. Our issue isn't the attempt at customer service, but rather the simple fact that no matter how much you love oysters, we have to think that machine would stink over time. We also wonder how people will be able to shuck those oysters with the plastic utensils they likely brought along for their late night picnic.Banks are constantly experimenting with things to try and attract and retain younger customers. We

02/20/2018  -  Delivering Risk Management News

It would seem that some people just don't want to work very hard. At least that is true in one part of Italy, where postal police found a mailman with more than a half-ton of undelivered mail sitting in his garage. The missing mail had reportedly been building up for 8Ys in the garage and included all sorts of things. The article gave no reason for the man's behavior, but one could certainly say laziness may have been a contributing factor perhaps.Bankers are anything but lazy, particularly when it comes to managing risk. Look no further than a

02/16/2018  -  Healthy Evolution for CRM

Researchers at the Icahn School of Medicine in New York have found certain compounds in grapes may help fight depression. These compounds reportedly target cellular and molecular pathways related to the immune system and that in turn could help treat depression. If grapes aren't your thing, research also finds other foods that help with depression include blueberries, yogurt and carrots. We aren't doctors, but these are all healthy foods. So, it may not be a bad idea to eat them anyway.As you ponder this today, we switch to the evolution that is slowly occurring in customer relationship management (CRM). These

02/15/2018  -  Faster ACH and Dogged Fraud

A new study by UK researchers looked at people who are bitten by dogs. It surfaced some interesting information, such as: people are usually bitten by dogs they don't know vs. their own dog; men are almost 2x more likely to be bitten than women; people who own multiple dogs are over 3x more likely to get bitten than those wo do not own a dog; there are about 18.7 dog bites out of every 1,000 people in a given year; and people who have anxiety or are nervous are more likely to get bitten than those who are calm.

02/14/2018  -  Researching Millennials and Bitcoin

Watch out people! It seems research from the US Department of Health and Human Services finds high levels of cell phone radiation can result in malignant cancer tumors in the hearts of male rats. Interestingly, this did not occur in female rats, or in groups of mice that were tested. Clearly, more research is needed and is ongoing. No one is too sure what causes certain medical problems to be worse in some than others, so further analysis just makes sense. In banking, there is another form of testing going on around the world of cyber currencies. Lately, these things

02/13/2018  -  Shivering Compliance Costs

Scientists have now figured out that a comet from space that hit Earth some 12,000 years ago set fires larger than the asteroid that killed the dinosaurs and led to an Ice Age. It seems the fires were so large that the dust and smoke created by them clogged the sky and cut off sunlight that led to an Ice Age that lasted 1,000 years. That is some ice cold information.As you look for a blanket to keep warm, know that community banks too have been shivering as of late. This is because community banks continue to grapple with the

02/12/2018  -  Space-walking Around Cyber Risks

A couple of Russian astronauts reportedly took a walk in space in a record setting event to repair an antenna. The only problem was that when all was said and done, the antenna was apparently installed in the wrong spot. Mission Control is now trying to figure out what to do to fix it, up to and including taking another walk in space perhaps. It just goes to show you that sometimes even the best laid plans can go awry.In banking, the same holds true when it comes to protecting against cyber risks. After all, cybersecurity and cyber-attacks are fast-moving

02/09/2018  -  Customer Service With A Human Touch

The flu this year is bad, but history shows it can be much worse. Back in 1918, the world was hit by a strain dubbed the Spanish flu. It triggered a pandemic that killed an estimated 50mm to 100mm people around the world. For context, that is worse than any pandemic prior or since, including the Black Plague and other such events. This year's flu seems to be peaking, so that is good, but in the meantime, get plenty of sleep, drink tea, keep your protein up, wipe down common areas, sanitize your office space, try zinc, wash your hands

02/08/2018  -  Real Time Payments Won't Bite

Good news for people who frequently get bitten by mosquitoes. A study by Virginia Tech finds mosquitoes identify humans by odor, and swatting a buddy of theirs gives new blood sucker attackers an unpleasant interaction for about 24 hours. That causes them to steer clear. So, along with all of the sprays and lotions, you can just watch for the first bug to land and then smash it. That will tell the other circling mini-monsters to go somewhere else. Not bad to know.In this day and age, when we expect a Google search to serve up thousands of web pages

02/07/2018  -  Doubling Down On New Beneficial Owner Info

Now that scientists have cloned monkeys in China, people wonder how long it will be until humans are cloned. For what it is worth, since Dolly the sheep was cloned in 1996, scientists have cloned camels, cattle, cats, coyotes, dogs, fish, frogs, goats, horses, ibex, mules, pigs, rabbits, rats and even wolves. Heck, even human embryos have been cloned. The big breakthrough though it seems, at least scientifically speaking, is primates. The good news is that, for those who have always worried that robots would take over the world, you can now turn your attention to your own clone instead.

02/06/2018  -  CRA Credit Exploration

Well, it looks like becoming an astronaut may not be as awesome as it once was. You see, researchers are toiling away trying to figure out how to recycle poop on long space trips and turn it back into food. Disgusting, if you ask us, and certainly a long way from the early days when drinking Tang and eating weird rolled up peanut butter was the way to go. When it comes to the Community Reinvestment Act (CRA), community banks understand the importance of steering clear of a "Substantial Non-compliance" rating from federal regulators. But

02/05/2018  -  Historical Tax Overhaul and Subchapter S

You probably heard about work led by Tel Aviv University in Israel. A team there found a fossilized portion of a human upper jaw that dates back to somewhere around 177,000 to 194,000 years old. The most interesting part is that it is so old, it seems to indicate the evolution of Homo sapiens actually occurred 100,000 to 200,000 years earlier than originally known. It just goes to show you that no matter what you think you know, things keep changing, so you need to keep learning. Accordingly, no matter the age of the bankers you know, the same holds

02/02/2018  -  Highlighting Good Helps Banks

You don't want to come across the giant centipedes that can be found in eastern Asia. They are about 7 inches in length and have reportedly been found to stun and kill prey up to 15xs larger with deadly venom that takes effect in as little as 30 seconds. These deadly invertebrates have been known to kill people, as poison shuts down channels that affect the brain, heart and other organs. As you travel internationally this summer, be aware - they live in the forest, on farms and in cities all over eastern Asia. Scientists are working on anti-venom and

02/01/2018  -  Shopping For Fraudsters

In the end of last month, Amazon Go opened its doors in Seattle, as the first digital grocery store without any cashiers. Your shopping bag automatically identifies and adds up everything you gather, so you can just walk in and out and everything is simply charged to your credit card. To get started, visitors simply download a special app to use the digital shopping cart and check-out without waiting in line. As this store format shows, machines can do many interesting things that make our lives easier. Machine learning is one area banks are focused on to gain a potential

January, 2018
01/22/2018  -  Movement For State Charters?
01/19/2018  -  Faster Employee Feedback
December, 2017
November, 2017
October, 2017
September, 2017
August, 2017
July, 2017
June, 2017
06/06/2017  -  Driving Away Synthetic Fraud
06/02/2017  -  R-E-S-P-E-C-T
06/01/2017  -  Re-envisioned Branches
May, 2017
05/22/2017  -  Faster Business Speed
05/19/2017  -  Of Growth And Efficiency
April, 2017
March, 2017
February, 2017
January, 2017
01/03/2017  -  The BID Process
December, 2016
12/28/2016  -  Fast Forward Technology
12/08/2016  -  Bank Compensation Wakes Up
12/07/2016  -  Snowballs and Biometrics
12/06/2016  -  Flying Water Bottles
November, 2016
11/18/2016  -  Put A Ring On It
11/10/2016  -  Recruiting Customers
11/09/2016  -  Small Businesses
11/08/2016  -  Stronger Digital Or Personal
October, 2016
10/21/2016  -  Paperless Reserves
10/19/2016  -  Finding Your Niche
September, 2016
09/22/2016  -  But Wait, There's More
09/20/2016  -  The Speed of Banking
09/06/2016  -  Kids These Days
09/02/2016  -  Operational Risks
August, 2016
08/25/2016  -  Compliance Risks
08/24/2016  -  Video On The Forefront
July, 2016
07/28/2016  -  Dodd-Frank Exempt
07/27/2016  -  Memory Foam To The Core
07/26/2016  -  Let's Go Already
07/22/2016  -  Ink Blot Cyber Banking
07/21/2016  -  Compensation Comedy
07/19/2016  -  Message In A Bottle
07/08/2016  -  Profiting Non-Profits
07/07/2016  -  Yo Banking Apps
07/06/2016  -  Self-Serving Banking
07/05/2016  -  Faraway Fintech
June, 2016
06/24/2016  -  Gen Z Graduates
06/23/2016  -  Playing By The Rules
06/22/2016  -  Talent Ratings
06/17/2016  -  The Imperfect Square
06/16/2016  -  Captain API
06/14/2016  -  Banking On Mobile Alone
06/13/2016  -  Digital Destruction
06/10/2016  -  Data Breach Insights
06/09/2016  -  Let's talk Brexit
06/08/2016  -  Smile And Say Cheese
06/06/2016  -  An Issue With Many Tentacles
06/03/2016  -  Family Business Banking
06/02/2016  -  A New Chapter In Panama
May, 2016
05/31/2016  -  What The Heck Is That
05/27/2016  -  What Are You Drinking?
05/12/2016  -  Lending In Wonderland
05/11/2016  -  Uber Everything
05/10/2016  -  Social Speaking
April, 2016
04/18/2016  -  Good Times Or Bad Times
04/15/2016  -  Alternative Ways To Bank
04/14/2016  -  Turn Off The Lights
04/08/2016  -  Dreaming About New Customers
04/07/2016  -  Getting M&A To Lift-Off
04/04/2016  -  The Human Touch
March, 2016
03/28/2016  -  Gen X And Billy Idol
03/25/2016  -  Timing Is Everything
03/24/2016  -  Student Debt Conundrum
03/09/2016  -  Mining The Gold
03/08/2016  -  Keep Feeding Small Business
03/01/2016  -  Happy APIs
February, 2016
02/23/2016  -  De Novo Nesting Habits
02/22/2016  -  A Classic Way To Remain Calm
January, 2016
December, 2015
12/30/2015  -  Juggling The Talent Shortage
12/29/2015  -  Friendly Activity Online
November, 2015
11/19/2015  -  Bunnies And Banking
11/17/2015  -  All About EVE
October, 2015
10/22/2015  -  Phone Hacked
10/19/2015  -  Picture This
10/15/2015  -  The Poetry Of Underwriting
10/14/2015  -  Dot-Bank For Banks
10/09/2015  -  Navigating The Digital Seas
September, 2015
09/25/2015  -  Life, Art, Marriage And M&A
09/24/2015  -  CRA In M&A
09/23/2015  -  The Magic Of Apple
09/09/2015  -  No Shortcuts
09/08/2015  -  Bankers Aged Like Fine Wine
09/04/2015  -  In Trust We Trust
09/03/2015  -  Dialing Up Opportunities
09/01/2015  -  Better Late Than Never
August, 2015
08/26/2015  -  Chinese Currency Olympics
08/24/2015  -  Anticipating Risk In M&A
08/17/2015  -  The Robot Hotel
08/13/2015  -  Is Your Bank A Schmoo?
08/12/2015  -  The Demise Of HitchBOT
08/11/2015  -  New Customer Special
July, 2015
07/31/2015  -  Numbers Don't Lie (Mostly)
07/29/2015  -  Working Too Much
07/27/2015  -  Oh - That List
07/24/2015  -  Slipping Through The Fence
07/14/2015  -  A Case Of Mistaken Identity
07/13/2015  -  Clean Up And Simplify
07/10/2015  -  Waterloo Or Somewhere Close
07/09/2015  -  Adopting a New Friend
07/02/2015  -  Technology And Branches
June, 2015
06/25/2015  -  What Is A Blockchain?
06/23/2015  -  Demand Over Supply
06/22/2015  -  Timing Is Everything
06/19/2015  -  Don't Procrastinate
06/18/2015  -  All In The Family
06/17/2015  -  It's Shrinking!
06/15/2015  -  Quietly Moving Forward
May, 2015
05/22/2015  -  No Really, It's Safe
05/15/2015  -  Ransomware
05/14/2015  -  Translating The Volcker Rule
05/07/2015  -  Streaming Digital Payments
05/06/2015  -  The Five Factors Of Fast
05/04/2015  -  All Together Now
05/01/2015  -  Let Us Cultivate Our Garden
April, 2015
04/17/2015  -  Invisible Fences
04/16/2015  -  Mobile Wallet Tornado
04/15/2015  -  Hooray For Tax Day
04/01/2015  -  Finally The Fed Raises Rates
March, 2015
03/13/2015  -  Counting On M&A
03/12/2015  -  It Is Hard To Say Goodbye
03/10/2015  -  Social Media Strategy
03/09/2015  -  The Charm Of Country Life
03/06/2015  -  A Cautionary Fable On P2P
03/05/2015  -  Don't Try This At Home
03/04/2015  -  Focusing On The Target
03/03/2015  -  Regulatory Motion Sickness
February, 2015
02/24/2015  -  Herding Cats And NIM
02/23/2015  -  Hiring Millennial Mojo
02/13/2015  -  The Morton's Fork Of Banking
02/12/2015  -  Apple Pay At The OK Corral
02/11/2015  -  You Are What You Wear
02/05/2015  -  Webinars Out The Wazoo
02/04/2015  -  Stormageddon - Again
02/02/2015  -  Groundhog Day
January, 2015
01/21/2015  -  The Detroit Auto Show
01/20/2015  -  An ERM Survival Guide
01/16/2015  -  Defining Beauty
01/15/2015  -  Risky Business
01/12/2015  -  The End Of Chocolate
01/09/2015  -  The Bots Are Watching!
01/05/2015  -  Losing Your Brains
December, 2014
12/31/2014  -  Reviewing 2014
12/30/2014  -  Risk And Zeitgeist
12/29/2014  -  Do You Speak Dodd Frankish?
12/24/2014  -  Patience And 12 Days
12/23/2014  -  Heading To The Mall
12/17/2014  -  How Flat Is Flat
12/15/2014  -  The Devil Is In The Details
12/12/2014  -  Planting Roots With Gen Y
12/11/2014  -  Lock The Door!
12/10/2014  -  Jobs, Jobs, Jobs!
12/09/2014  -  Taking Care Of Each Other
12/08/2014  -  A Royal Acquisition
November, 2014
11/28/2014  -  The Money Museum
11/26/2014  -  Giving Thanks
11/25/2014  -  Making Good Decisions
October, 2014
10/15/2014  -  Tainting The Portfolio
10/14/2014  -  Better By The Growler
September, 2014
09/11/2014  -  We Wil Never Forget
09/10/2014  -  Hello Kitty Is Not A Cat
09/04/2014  -  Fighting Elder Abuse
09/02/2014  -  Managing A Conversion
August, 2014
08/29/2014  -  Partnering Carefully
08/27/2014  -  Pestilence
08/08/2014  -  In A Trance And On Hold
08/07/2014  -  Poaching A Venue
08/06/2014  -  Flowing With The Current
08/05/2014  -  Summer Recreational Reading
08/01/2014  -  Long Term Exposure
July, 2014
07/23/2014  -  Time Bomb
07/21/2014  -  The Wall of Shame
07/07/2014  -  Fostering Commitment
June, 2014
06/04/2014  -  Undercover Boss
06/03/2014  -  Howling At Reputational Risk
06/02/2014  -  Manic Mondays
May, 2014
April, 2014
04/22/2014  -  Good Publicity VS. Bad
04/18/2014  -  A Trend Until It's Not
04/16/2014  -  Crab Time
04/14/2014  -  The 5 Second Rule
04/10/2014  -  The Tightwad Bank
04/01/2014  -  A Foolish Situation
March, 2014
03/17/2014  -  Back-Testing Nostradamus
03/14/2014  -  The BOLI Assassin
03/13/2014  -  The Penalty Box
03/12/2014  -  Finding The Right Fit
03/10/2014  -  Merits Of Preparedness
03/07/2014  -  Advisory Trash To Treasure
03/05/2014  -  Keeping It Simple
03/04/2014  -  Scam Busting
February, 2014
02/25/2014  -  Donning The Boxing Gloves
02/24/2014  -  Now That Is Efficient
02/21/2014  -  Wrestling Over Data Security
02/20/2014  -  Finding Our Way
02/19/2014  -  The Efficiency Of The Ratio
02/18/2014  -  Slipping Into Obsolescence
02/11/2014  -  Say Goodbye To Hollywood
02/07/2014  -  Phishing And Farming
January, 2014
01/28/2014  -  Dangerous Behavior
01/27/2014  -  A Fortune Of Opportunity
01/24/2014  -  A Small Biz Checklist
01/17/2014  -  100 Years Of The Fed
01/16/2014  -  Banking Before The Fed
December, 2013
12/09/2013  -  Boomer Biz Opportunities
12/06/2013  -  I Like Your Effort
12/05/2013  -  Moving Definition of Scandal
November, 2013
11/05/2013  -  Real Estate Appraisals
11/04/2013  -  Solving Great Myesteries
11/01/2013  -  All Webbed Together
October, 2013
10/31/2013  -  The Who on Going Mobile
10/29/2013  -  Monsters Under the Bed
10/28/2013  -  Spy VS Spy
10/25/2013  -  Reaching for the Stars
10/23/2013  -  Misadventures in Spelling
10/22/2013  -  Fairy Tales and Fact
10/15/2013  -  Basel III and Sub S Banks
10/10/2013  -  Ranking Employers
September, 2013
09/25/2013  -  Are Bank Tellers Dinosaurs?
09/24/2013  -  The Holy Grail of Banking
09/23/2013  -  Were You Talking to Me?
09/20/2013  -  Bottled Water and Banking
09/19/2013  -  Swimming in CRA
09/18/2013  -  Get Your Beauty Rest
09/17/2013  -  Customer Loyalty
09/16/2013  -  The Power of Promotion
09/09/2013  -  When Should a Bank Outsource
09/06/2013  -  Take a Walk in Their Shoes
09/05/2013  -  Pay Attention to Training
August, 2013
08/30/2013  -  Following the Trend or Not
08/29/2013  -  The ABCs of Regulation E
08/28/2013  -  Are You Cranky or Nostalgic?
08/19/2013  -  Banking and Innovation
08/15/2013  -  Customer Complaints
08/14/2013  -  Traveling a Global World
08/13/2013  -  Lead the Way with Data
08/12/2013  -  Eggs in One Basket
08/09/2013  -  Creating a Buzz
08/08/2013  -  No Account For You
08/06/2013  -  GDP is Going Up
08/02/2013  -  Get Rick Quick
08/01/2013  -  Watch for Falling Cows
July, 2013
07/31/2013  -  If the Price Fits
07/29/2013  -  Turning up the Heat
07/26/2013  -  Looking Closer At Chains
07/25/2013  -  Diamonds and Customers
07/24/2013  -  Painting a Changing Picture
07/11/2013  -  Danger Will Robinson
07/10/2013  -  Deflating the Debt Balloon
07/09/2013  -  No Bull - Bear In Mind
07/08/2013  -  Snapchatting About Mobile
07/05/2013  -  Gains & Losses
07/01/2013  -  Popularity Improving
June, 2013
06/28/2013  -  Worldwide Exposure
06/27/2013  -  Managing Cow Tipping
06/25/2013  -  A Goat's Head and Inflation
06/24/2013  -  Bursting Balloons
06/21/2013  -  Checking Out Self Service
06/12/2013  -  Cleaning Up For Success
06/10/2013  -  Top of the World
06/07/2013  -  No Crying Over the Onion
06/06/2013  -  NO ONE LIKES RANTING
06/05/2013  -  BUGGED ABOUT ADAPTABILITY
06/04/2013  -  FAUX VACATION
May, 2013
05/31/2013  -  JOB MIGRATION
05/29/2013  -  NO BABE IN THE WOODS
05/06/2013  -  TRANSFORMED BY TECHNOLOGY
05/03/2013  -  WOMEN BUSINESS OWNERS
April, 2013
04/25/2013  -  SUCCESSFUL CROSS SELLING
04/23/2013  -  SOLAR STORMS
04/17/2013  -  THE PERILS OF FORECASTING
04/15/2013  -  OPTIMAL DENSITY
March, 2013
February, 2013
02/13/2013  -  LEVERAGING SOCIAL MEDIA
02/12/2013  -  SUCCESSION PLANNING
02/08/2013  -  WEB SITE REVIEW
January, 2013
December, 2012
November, 2012
October, 2012
10/26/2012  -  GIVING DIRECTIONS
10/25/2012  -  SEEING BRANCHES CLEARLY
10/01/2012  -  THE ISSUES WITH EASING
September, 2012
August, 2012
July, 2012
June, 2012
06/26/2012  -  LESSONS LEARNED
06/25/2012  -  MOVING AROUND RISK
06/22/2012  -  MULTIFAMILY RISK
06/21/2012  -  FOMC AND BANK STRATEGY
06/20/2012  -  PRICING STRATEGY
May, 2012
05/24/2012  -  REWARDING FOR SALES
05/23/2012  -  PAYING EMPLOYEES TO QUIT
05/01/2012  -  STRESSING ABOUT MAY DAY
April, 2012
March, 2012
03/27/2012  -  LOAN REPORTING
03/22/2012  -  SPORTS AND BANKING
03/21/2012  -  THE MOBILITY OF CASH
03/06/2012  -  ISN'T THAT SPECIAL
03/05/2012  -  PUSHING BUTTONS IN BANKING
February, 2012
02/14/2012  -  ADDICTED TO CUSTOMER LOVE
02/13/2012  -  MONEYBALL BANKING
January, 2012
01/17/2012  -  COMPETITIVE POSITIONING
01/13/2012  -  FRIDAY THE 13TH IN BANKING
01/09/2012  -  7 RULES TO FOLLOW
01/06/2012  -  BANKING'S POWERFUL WORDS
01/03/2012  -  HAPPY NEW YEAR
December, 2011
12/23/2011  -  48 HOURS BEFORE XMAS
12/22/2011  -  BANK GIFT GIVING
12/20/2011  -  THIS OLD BANK
12/05/2011  -  THE COST OF IPO SUCCESS
12/01/2011  -  HISTORY AS A GUIDE
November, 2011
11/30/2011  -  CHANGE IN LENDING
11/29/2011  -  ENFORCEMENT ACTIONS, PART II
11/28/2011  -  WINDING DOWN
11/25/2011  -  BLACK FRIDAY
11/23/2011  -  THANKFUL
11/18/2011  -  HOLIDAY COMPETITION
11/17/2011  -  FIND YOUR CHUCKLE
11/10/2011  -  C&I
11/08/2011  -  THE POWER OF EDUCATION
11/04/2011  -  JUST PLAIN GOOFY
11/03/2011  -  GRASSROOTS OR ASTROTURFING
October, 2011
10/13/2011  -  BANK EQUITY RISK PREMIUM
10/12/2011  -  ITALIAN BOARD STYLE
September, 2011
09/29/2011  -  BANK STOCK LIQUDITY
August, 2011
08/15/2011  -  SECOND QUARTER PERFORMANCE
08/12/2011  -  BEANS OR STEAK
08/02/2011  -  A TALE OF PRODUCT INNOVATION
08/01/2011  -  A PARTIAL TALE OF TWO BANKS
July, 2011
07/20/2011  -  CHARGING FEES
June, 2011
06/06/2011  -  RETAIL CHECKING IDEA
06/03/2011  -  OF SPECIAL MENTION
06/02/2011  -  TOOTH FAIRIES AND BANKING
06/01/2011  -  MIND OVER MATTER
May, 2011
05/17/2011  -  LEARNING ABOUT NFC AND EMV
05/16/2011  -  MONEY AND INFORMATION
05/13/2011  -  NOT FLOORING YOUR LOANS
05/10/2011  -  FIRST QUARTER RECAP
April, 2011
04/29/2011  -  SHRINKING THE BANKING SECTOR
04/28/2011  -  A BETTER ROYAL WEDDING
04/27/2011  -  BANK DECISION MAKING
04/12/2011  -  SETTING DIVIDENDS
04/11/2011  -  THE $100 PROMOTION
March, 2011
February, 2011
January, 2011
01/06/2011  -  BUSINESS SAVINGS
December, 2010
12/31/2010  -  HAPPY NEW YEAR
12/30/2010  -  SPYING PART DEUX
12/28/2010  -  CLEANING UP IN 2011
12/27/2010  -  AN OVERFLOWING SINK
12/07/2010  -  THE STUDENT ACCOUNT
12/06/2010  -  PRICING INSIGHT FROM WALT
November, 2010
11/24/2010  -  THANKSGIVING
11/23/2010  -  DEBIT KARD TACTICAL CHANGES
11/09/2010  -  INVESTMENT LEVERAGE
11/08/2010  -  THE CHRISTMAS CLUB ACCOUNT
11/02/2010  -  TEAMWORK GETS IT DONE
11/01/2010  -  PROCRASTINATION IN BANKING
October, 2010
10/29/2010  -  SCARY UTTERANCES
10/26/2010  -  BANKS AND INFLATION
10/25/2010  -  BANK AND CUSTOMER REPO
10/22/2010  -  TRUCKING IN REGULATION
10/15/2010  -  BANC WHIPPING BOY.COM
10/14/2010  -  HOW ARE YOU COMMUNICATING?
10/13/2010  -  THE FORECLOSURE PROBLEM
10/08/2010  -  ARE YOU NUTS?
10/04/2010  -  CONVENIENCE RULES
10/01/2010  -  INVESTMENT ALTERNATIVES
September, 2010
09/13/2010  -  INSURING LEGAL RISK
09/10/2010  -  SEPTEMBER 11, 2001
09/03/2010  -  HURRICANE SALES TRAINING
09/02/2010  -  LOAN RETURN VOLATILITY
August, 2010
08/31/2010  -  WHAT IS WITH THE ADS?
08/30/2010  -  THE ART OF THE SUBJECT LINE
08/27/2010  -  GALILEO, HANS AND BANKING
08/26/2010  -  CONNECTING THE DOTS
08/25/2010  -  NIAGARA FALLS IN BANKING
08/24/2010  -  SPONGES AND BANK LENDING
08/23/2010  -  SHAKING THINGS UP IN BANKING
08/19/2010  -  BANKING BY JENGA
July, 2010
07/30/2010  -  MANAGING RISK FROM THE BEACH
07/29/2010  -  THE GAME OF TAG
07/28/2010  -  OF SNICKS AND SNICKERS
07/27/2010  -  SEXTANT AND BANKING
07/26/2010  -  ANCHORS AWAY
07/22/2010  -  CUSTOMER SERVICE
07/20/2010  -  THE CROSS-SELL SALES EFFORT
07/19/2010  -  INTEREST BUSINESS CHECKING
07/16/2010  -  A BANKING TRIFECTA
June, 2010
06/30/2010  -  LEARNING NEW THINGS
06/28/2010  -  A BANKING BED OF ROSES
06/16/2010  -  CAFFEINATED BANKING
06/04/2010  -  TOP 25 BANKS
06/03/2010  -  BP OIL SPILL AND BANKING
06/02/2010  -  DIGGING AROUND
06/01/2010  -  RECHARGING BATTERIES
May, 2010
05/28/2010  -  CONTINGENCY PLANNING
05/26/2010  -  DISBAND MARKETING
05/25/2010  -  A SALES POINT OF VIEW
05/24/2010  -  LEGISLATIVE RISK
05/21/2010  -  SMALL BUSINESS CUSTOMERS
05/20/2010  -  BAD MATH
05/19/2010  -  WE HAVE YOU COVERED - PART 2
05/18/2010  -  RELAX - WE'VE GOT YOUR BACK
05/17/2010  -  CHANGING NICKELS INTO GOLD
05/14/2010  -  TWO TIP FRIDAY
05/07/2010  -  FISH AND CHIPS
April, 2010
04/30/2010  -  GLEE BANKING
04/29/2010  -  GETTING DOG HONEST
04/28/2010  -  CRE WORKOUTS - A CASE STUDY
04/09/2010  -  APPLE AND COMMUNITY BANKING
04/08/2010  -  SUMMER INTERNSHIPS
March, 2010
03/26/2010  -  NAMING NAMES
03/22/2010  -  LIQUIDITY IN BANKING
03/19/2010  -  BETTER CONTROL WITH PRE-PRE
03/04/2010  -  DEPOSIT TRICK #114
February, 2010
02/23/2010  -  DIRECTOR EDUCATION - RISKS
02/22/2010  -  DIRECTOR EDUCATION - BASICS
02/19/2010  -  GETTING AN APP FOR THAT
02/18/2010  -  COMPLEXITY AND RISK
02/17/2010  -  THE US DEFICIT
02/16/2010  -  OLYMPIC FREE CHECKING
02/12/2010  -  WOMBATS AND BANKING
02/11/2010  -  DEFINING CUSTOMER REFERRALS
02/10/2010  -  IMPROVING TIME MANAGEMENT
02/09/2010  -  BEING A BOSS ISN'T EASY
02/08/2010  -  VITAL COMMUNICATION
January, 2010
01/29/2010  -  DRINKING FROM A FIRE HOSE
01/27/2010  -  BRITISH TAXIS AND BANKING
01/25/2010  -  ENERGETIC IRR ACTIVITIES
01/22/2010  -  RISK MANAGEMENT
01/21/2010  -  HOW TO MAKE MONEY TODAY
01/20/2010  -  HOW NOT TO BE # 1
01/19/2010  -  CONFUSED THINKING
01/07/2010  -  INTERNAL SELLING
01/06/2010  -  BOARD BY MEETINGS & MINUTES
01/05/2010  -  SUPER DEPOSIT FEATURES
01/04/2010  -  HAPPY NEW YEAR
December, 2009
12/28/2009  -  READING AND LEARNING
12/23/2009  -  THIS OLD BANK
12/22/2009  -  THE OLDEST BANK IN THE WORLD
12/21/2009  -  BANKERS' BANK UPDATE
12/18/2009  -  LOCKING DOWN A CFO STUDY
12/11/2009  -  MORE GAME THEORY IN ACTION
12/10/2009  -  WHEN TO AUCTION
12/08/2009  -  NO SHOT TO MAKE
12/07/2009  -  THE BLAME GAME
November, 2009
11/27/2009  -  Happy Black Friday
11/25/2009  -  THANKSGIVING
11/02/2009  -  HALLOWEEN AND SCARY BANKING
October, 2009
10/30/2009  -  LOAN PREPAYMENTS
10/26/2009  -  BANK COMPENSATION
10/23/2009  -  T.G.I.F AND MODELS
10/19/2009  -  GETTING YOUR COSTUME
10/16/2009  -  OUTSOURCING
10/15/2009  -  ITALIAN BOARD STYLE
10/13/2009  -  LEARNING FROM LEFTOVERS
10/09/2009  -  CAPITAL IS KING
10/08/2009  -  A BOX IN A BOX - TECHNOLOGY
10/06/2009  -  IMAGE IS EVERYTHING
September, 2009
09/29/2009  -  TRAUMA IN BANK COMPENSATION
09/28/2009  -  RETHINKING BRANCHING
09/09/2009  -  TOP 50 BANKS AS OF 2Q 2009
09/08/2009  -  SHARING LOSSES
August, 2009
July, 2009
07/30/2009  -  THE EARNINGS IN CAMELS
07/29/2009  -  THE MANAGEMENT IN CAMELS
07/23/2009  -  THE SIGTARP'S NUMBERS
07/22/2009  -  TEENAGERS AND BANKING
07/15/2009  -  REGULATORY CHANGES
07/14/2009  -  NO WINKING PLEASE
07/13/2009  -  PSYCHOLOGY AND BANKING
07/10/2009  -  MOBILE BANKING UPDATE
07/09/2009  -  HOW ARE YOU DOING?
07/08/2009  -  THE POWER OF BANK DEPOSITS
07/01/2009  -  OPPORTUNITY KNOCKS
June, 2009
06/30/2009  -  A LEAN HOURGLASS FIGURE
06/26/2009  -  MANAGING BY MOTTO
06/25/2009  -  CABLE VERSUS NETWORK TV
06/24/2009  -  COST CUTTING
06/16/2009  -  ASSET QUALITY WORK REMAINS
06/15/2009  -  LISTS AND COUNTING MONEY
06/05/2009  -  THE RULE OF 150
06/02/2009  -  WHAT A CROC
May, 2009
05/26/2009  -  SPECIAL ASSESSMENT IMPACT
05/21/2009  -  THE EAGLE HAS LANDED
05/15/2009  -  HOW BAD IS CRE AT BANKS?
05/13/2009  -  WE GROWL AT GROWTH
05/12/2009  -  EARLY FEEDBACK
05/11/2009  -  FORGET THE COMPETITION
05/08/2009  -  LESS STRESS THAN EXPECTED
05/07/2009  -  FINISH LINE IN SIGHT
05/05/2009  -  FROM OUR EMC CONFERENCE
April, 2009
04/17/2009  -  BANKING BY TWITS AND TWEEPS
04/16/2009  -  PIRATE METRICS
04/15/2009  -  DOES GROWTH BITE?
04/01/2009  -  A NEW BANKING IDEA
March, 2009
03/20/2009  -  A DISTINGUISHING FEATURE
03/19/2009  -  THE FED MOVE
03/02/2009  -  FDIC ASSESSEMENT
February, 2009
02/27/2009  -  GETTING A GOLD STAR
02/24/2009  -  MORE RATIO ANALYSIS
02/20/2009  -  BANK CLUSTERING
02/18/2009  -  SHARING LOSSES
02/17/2009  -  LEADING THE PARADE
02/13/2009  -  BUSINESS CONTINUTY PLANNING
02/12/2009  -  EXAM READY
02/10/2009  -  SIMPLY PROTECTING DATA
02/04/2009  -  THE STATE OF BANKING
02/03/2009  -  CONSIDER GETTING GREEN
02/02/2009  -  BIDDING ON TROUBLED BANKS
January, 2009
01/27/2009  -  LOOK OUT BELOW
01/26/2009  -  BREAKING ROCKS AUSSIE STYLE
01/23/2009  -  NATIONALIZING BANKING
December, 2008
12/31/2008  -  HAPPY NEW YEAR
12/30/2008  -  SURFACING CAPITAL
12/29/2008  -  SOME ASSEMBLY REQUIRED
12/26/2008  -  SALE, SALE, SALE!
12/24/2008  -  'TWAS A HOLIDAY THANK YOU
12/23/2008  -  THE HIGH ART OF REGIFTING
12/17/2008  -  FED MOVES
12/16/2008  -  DIFFICULT TIMES
November, 2008
11/19/2008  -  FIXING PROBLEMS
11/18/2008  -  FIXING PROBLEMS
11/10/2008  -  SUMO BANKING
11/06/2008  -  VOLATILITY AND BANK SAFETY
October, 2008
10/31/2008  -  REGULATORY SOUP - Q & A
10/30/2008  -  TARP INTERIM RULE
10/23/2008  -  WACHOVIA'S SECRET COWFORCE
10/22/2008  -  GREAT DEPOSIT MARKETING
10/21/2008  -  TAKE THE CAPITAL
10/06/2008  -  ADDITIONAL DEPOSIT INSURANCE
10/03/2008  -  MAKING MOVES
10/02/2008  -  DA PLAN, DA PLAN
September, 2008
09/30/2008  -  THE TRILLION DOLLAR GAMBLE
09/26/2008  -  A FEW GOOD ASSETS
09/25/2008  -  WHY NOT AN EVEN TRILLION
09/23/2008  -  Banking Alpha
09/11/2008  -  SEPTEMBER 11, 2001
09/10/2008  -  QUARKS AND LOANS
August, 2008
08/21/2008  -  HIRING BANKERS
08/19/2008  -  IMPROVING SALES IN BANKING
08/15/2008  -  OTTI Update
08/14/2008  -  STRATEGIC M&A
08/13/2008  -  MOM ON YOUR FUTURE
08/11/2008  -  ASSUMING THE WORST
08/08/2008  -  OPENING CEREMONIES
08/06/2008  -  WEIGHTLIFTING
July, 2008
07/23/2008  -  TARGETING NEW CUSTOMERS
07/22/2008  -  TRY THIS AT HOME
07/21/2008  -  TECHNOLOGICALLY SPEAKING
07/15/2008  -  STOPPING A BULL RUN
07/14/2008  -  FANNIE MAE AND FREDDIE MAC
07/11/2008  -  TURNED ON ITS AXIS
07/07/2008  -  KEEPING LIQUIDITY FLOWING
07/03/2008  -  LOOKING BACK AND FOREWORD
07/02/2008  -  TARGETED MARKETING
June, 2008
06/30/2008  -  LOAN PREPAYMENT VALUE
06/27/2008  -  NEW DEPOSIT PRODUCT TRENDS
06/26/2008  -  BALANCE SHEET OPTIONALITY
06/25/2008  -  TRAITS OF A CEO
06/23/2008  -  EMERGENCY LIQUIDITY PLANNING
06/09/2008  -  SUMMER PROFILE COMPARISON
06/05/2008  -  BLINKING IMPRESSION
May, 2008
05/27/2008  -  FORECASTING
05/23/2008  -  CREDIT RISK RADAR
05/22/2008  -  GETTING INSIDE MODELING
05/21/2008  -  DATA PARADE WORTH WATCHING
05/20/2008  -  AVOIDING A SKUNK'S SPRAY
05/19/2008  -  WHAT GOOGLE CAN TEACH US
05/16/2008  -  INSIDE THE BOX
05/15/2008  -  CONFUSING ACTIVITIES
05/14/2008  -  COMPLEXITY IS CONFUSING
April, 2008
04/29/2008  -  COST OF PRODUCTION
04/28/2008  -  THE BANK LOBBY
04/25/2008  -  MEETINGS AND FAUCETS
04/24/2008  -  POKING AROUND AND LISTENING
04/22/2008  -  SHOT ACROSS THE BOW
04/21/2008  -  GREETING CARDS AND BANKING
04/18/2008  -  DO WE NEED BROCHURES?
04/17/2008  -  HOW NOT TO BE #1
04/16/2008  -  LICKING YOUR LEVERAGE
04/15/2008  -  NOSTALGIC POLICIES
04/09/2008  -  GOOD NEWS - BAD NEWS
04/08/2008  -  OBSERVING AND LEARNING
04/07/2008  -  STUBBED TOES
04/01/2008  -  NEW COMPETITION
March, 2008
03/26/2008  -  OPENING A PRESENT
03/25/2008  -  DON'T WAIT TO TAKE ACTION
03/24/2008  -  DYNAMICS OF AN AGING BANK
03/20/2008  -  MARCH MADNESS OF LOANS
03/19/2008  -  CUSTOMER TYPE PROFITABILITY
03/18/2008  -  DEPOSIT TRICK #114
03/14/2008  -  ANOTHER BOLT AND JOLT
February, 2008
02/28/2008  -  THE WHEELS KEEP TURNING
02/27/2008  -  MANAGING THE CORE
02/12/2008  -  RISK BUSINESS
02/11/2008  -  WATCHING THE WATCHMAKERS
02/08/2008  -  SAVING HEARTS AND CREDIT
02/04/2008  -  SUPER EXECUTION
02/01/2008  -  BOXING UP THE BOARD PACKAGE
January, 2008
01/31/2008  -  PUTTING ON A CAP
01/30/2008  -  GRAPPLING WITH RESERVES
01/29/2008  -  HIGH PERFORMANCE
01/28/2008  -  LIQUIDITY RISK MANAGEMENT
01/25/2008  -  GREETINGS FROM DAVOS
01/17/2008  -  APPLES OR ORANGES
01/16/2008  -  A ROCK IN THE SHOE
01/15/2008  -  PUSHING FORWARD
01/14/2008  -  REVIEWING PERFORMANCE
01/11/2008  -  THE TEACHINGS OF ED
01/09/2008  -  MONKS ON MARKETING
01/08/2008  -  BEAUTY, VALUE AND FAS 157
01/07/2008  -  OUR 2008 RESOLUTIONS
01/03/2008  -  BETTER PRONOUNCIATION
01/02/2008  -  BOOSTING SALES
December, 2007
12/31/2007  -  HAPPY NEW YEAR
12/27/2007  -  MODEL GOVERNANCE
12/26/2007  -  SALE, SALE, SALE!
12/19/2007  -  WARNING ALARM
12/17/2007  -  A FEW GIFTS FOR YOU
12/10/2007  -  FLOORS AND PIGS
12/07/2007  -  LURKING IN THE SHADOWS
November, 2007
11/30/2007  -  BANKING UPDATE FOR THE 3Q
11/29/2007  -  THE BLUE BOX EXPERIENCE
11/21/2007  -  HAPPY THANKSGIVING
11/20/2007  -  NEEDLE IN A HAYSTACK
11/19/2007  -  HALF FULL
11/07/2007  -  MORE WOOD TO CHOP
11/06/2007  -  EMPLOYEE SATISFACTION
11/05/2007  -  IMPROVING BANK PERFORMANCE
October, 2007
10/31/2007  -  A Scary Day
10/27/2007  -  BRANCH OPERATING HOURS
10/18/2007  -  CYCLONIC DEPOSIT ACTIVITY
10/17/2007  -  THE HALL OF FAME TERM SHEET
10/16/2007  -  PEER REFLECTIONS
10/15/2007  -  BOARD STYLE
10/12/2007  -  ITALIAN BOARD STYLE
10/11/2007  -  ANTI-MONKEY POWDER FOR LOANS
September, 2007
09/28/2007  -  RAINING HAMBURGERS
09/27/2007  -  INCREASING YOUR WOM
09/26/2007  -  NO NEED TO BE STUBBORN
09/25/2007  -  LAUNCHING NEW CUSTOMERS
09/24/2007  -  GAMBLING & LENDING
09/21/2007  -  STAYING STRATEGIC
09/17/2007  -  FACEBOOK AND BANKING
09/14/2007  -  DIRTY MONEY AND CUSTOMERS
09/12/2007  -  MARINES AND BANKING
09/11/2007  -  WE WILL NEVER FORGET
09/04/2007  -  COMMUNICATION AND SALES
August, 2007
08/31/2007  -  THE BURNING MAN BANK
08/30/2007  -  HAPPY, SHINY EMPLOYEES
08/29/2007  -  LENDING IN SLOVENIA
08/28/2007  -  BOTTLING LOANS
08/24/2007  -  FUTURE BRANCHING
08/23/2007  -  SLIPPERY LIQUIDITY
08/21/2007  -  PROPER STAIR CONSTRUCTION
08/20/2007  -  ALLIGATORS AND ERM
08/17/2007  -  GET A HARDHAT
08/02/2007  -  PEOPLE ARE OVERRATED
08/01/2007  -  HODGEPODGE
July, 2007
07/31/2007  -  WINNING THE CUSTOMER GAME
07/30/2007  -  A FRIEND AND A PEER GROUP
07/27/2007  -  ZORBING
07/12/2007  -  TEENAGE ANGST AND BANKING
07/10/2007  -  THE MIGHTY MEDICI'S
07/03/2007  -  Patriotic Lending
07/02/2007  -  LENDING RISK
June, 2007
06/29/2007  -  SPRINGING BANK PROFITS
06/28/2007  -  LEVERAGING CAPITULATION
06/13/2007  -  AS EASY AS PIE
06/12/2007  -  NO TIME TO CLOWN AROUND
06/11/2007  -  KNOWING THE ODDS
06/08/2007  -  SHARE BUYBACKS
06/06/2007  -  CRIMINAL FEE WAIVING
06/05/2007  -  TURBULENT TIMES IN BANKING
06/04/2007  -  CABLE BANKING
06/01/2007  -  FUN PARADE
May, 2007
05/30/2007  -  OF BLOGS, WIKIS AND PODCASTS
05/29/2007  -  BACK TO SCHOOL
05/25/2007  -  RUNNING FROM THE BULL
05/24/2007  -  PHYSICS AND BANKING:
05/22/2007  -  THE MYSPACE PHENOMENON
05/21/2007  -  THE LANGUAGE OF CALLABLE CDS
05/18/2007  -  COMMERCIAL LOAN DEFAULTS
05/17/2007  -  A BRAND PLAN
05/16/2007  -  STRATEGIC PLANNING
05/09/2007  -  LOYALTY
05/08/2007  -  REMOTE DEPOSIT CAPTURE
April, 2007
04/30/2007  -  KNOWING WHO YOU ARE
04/20/2007  -  PROFIT PER EMPLOYEE
04/19/2007  -  SWINGING FOR A NEW BRANCH
04/17/2007  -  THE BEST RESPONSE
04/16/2007  -  THE BIG PICTURE OF 159
04/12/2007  -  FAS 159 - WAKE UP CALL
04/11/2007  -  THE RISK MANAGEMENT CHANNEL
04/10/2007  -  HEURISTICS AND BANKING
04/09/2007  -  COOKIES IN THE BRANCH
04/06/2007  -  SOMETHING MISSING
04/05/2007  -  THE HALO EFFECT
04/04/2007  -  Mistaken Indexed Deposits
04/03/2007  -  CASH FLOW IDENTITY
04/02/2007  -  INTELLIGENT WEBDESIGN
March, 2007
03/26/2007  -  CRE LOAN PREPAYMENTS
03/23/2007  -  DOWN THE ROAD ON NIM
03/13/2007  -  GOT THE TIME
03/12/2007  -  SUBMERGING SUBPRIME
03/07/2007  -  LEMMING TESTING
03/06/2007  -  A Mickey Mouse Bank
03/02/2007  -  JET BLACK & BLUE & GOLD
03/01/2007  -  Banker's Chalkboard
February, 2007
02/21/2007  -  LIQUIDITY
02/20/2007  -  CRE CONDUITS
02/16/2007  -  ATM FEES AND DEPOSITS
02/15/2007  -  MULTIFAMILY LENDING UPDATE
02/14/2007  -  A DAY OF LOVE
02/13/2007  -  CRE LOAN UNDERWRITING
02/12/2007  -  LAUNCHING A NEW PRODUCT
02/01/2007  -  A BAD HABIT
January, 2007
01/23/2007  -  INTERNAL SELLING
01/22/2007  -  A SIMPLE PROMOTION
01/19/2007  -  LOOK BEFORE YOU LEAP
01/04/2007  -  MISC CLEANUP
01/03/2007  -  KEEPING EVERYONE HAPPY
December, 2006
12/29/2006  -  2007 LET THE PARTY BEGIN
12/28/2006  -  LUCKY STREAK
12/26/2006  -  LEARNING FROM THE ARMY
12/22/2006  -  THE HIGH ART OF REGIFTING
12/21/2006  -  WINNING
12/20/2006  -  RIGHT AROUND THE CORNER
12/18/2006  -  FORK IN THE CREDIT ROAD
12/13/2006  -  FROM HAWKS TO DOVES
12/12/2006  -  CATCHING MORE CUSTOMERS
12/08/2006  -  SEXY ATMs
12/04/2006  -  PRUDCOT DISEGN
12/01/2006  -  TIGHTENING COMPETITION
November, 2006
11/30/2006  -  HALF FULL OR HALF EMPTY
11/29/2006  -  THE BID
11/28/2006  -  EMPLOYEE FOCUS
11/27/2006  -  BANKING UPDATE FOR THE 3Q
11/24/2006  -  A BUNCH OF TURKEYS
11/22/2006  -  WOMEN CLIENTS
11/16/2006  -  STRATEGIC INITIATIVES
11/14/2006  -  USING BANK CRM SYSTEMS
11/13/2006  -  HOSPITALITY LENDING
11/10/2006  -  FISHING FOR CUSTOMERS
11/09/2006  -  PUZZLING ADVICE
11/08/2006  -  RISK MANAGEMENT
11/07/2006  -  MOUNTAIN OF WISDOM
11/06/2006  -  LEMMINGS
October, 2006
10/30/2006  -  IT IS EASY BEING GREEN
10/27/2006  -  CREDIT MIGRATION
10/18/2006  -  LOOKING UP EFFICIENCY
10/17/2006  -  BANKING AND MOVIES
10/16/2006  -  DEVILISH PREDICTION
10/13/2006  -  MIXING BOARDS AND CEOs
10/12/2006  -  BRANCH SALES
10/11/2006  -  ARRESTING ID THEFT
10/06/2006  -  LIQUIDITY EXPOSURE
September, 2006
09/28/2006  -  LIKE PULLING TEETH
09/27/2006  -  BRANCHING MANIA
09/21/2006  -  BANK LOYALTY PROGRAMS
09/19/2006  -  LOAN PRICING
09/18/2006  -  LOAN PRICING
09/15/2006  -  RISK-ADJUSTED RIDE
09/14/2006  -  RISK VS RETURN
09/13/2006  -  RETURN ON EQUITY
09/12/2006  -  NIM IS OVERRATED
09/11/2006  -  WE WILL NEVER FORGET
August, 2006
08/28/2006  -  BOOSTING FEE INCOME
08/25/2006  -  ARMY ANTS AND BANKING
08/24/2006  -  WALKING THE WING OF RISK
08/23/2006  -  BANKING SECRETS UNMASKED
08/22/2006  -  TIME TO CHANGE CHANNELS
08/21/2006  -  FIRST FLOOR PLEASE
08/14/2006  -  MOM ON YOUR FUTURE
08/11/2006  -  QUANTIFYING HERSTATT RISK
08/10/2006  -  FORGET THE COMPETITION
08/09/2006  -  FROM HERE IT GETS TRICKY
08/08/2006  -  TOO MANY BRANCHES?
July, 2006
07/13/2006  -  THE 20-SOMETHING BUNDLE
07/12/2006  -  A SHOCKWAVE IS COMING
07/10/2006  -  YELLOW CARDING CUSTOMER FEES
07/07/2006  -  BREAK DOWN THE SILOS
07/06/2006  -  BETTING ON DEPOSITS
June, 2006
06/30/2006  -  TARGETED MARKETING
06/29/2006  -  LOOKING FARTHER AHEAD
06/22/2006  -  SKIPPING STONES
06/21/2006  -  SAWING THROUGH NIM
06/20/2006  -  HAMMERING NIM
06/19/2006  -  Painful Tendencies
06/16/2006  -  Painting By Numbers
06/15/2006  -  BATTERED ABOUT
06/14/2006  -  LEVERAGING DEPOSIT MARKETS
06/13/2006  -  THE SMALL BUSINESS
06/06/2006  -  Devilish Details
06/05/2006  -  MORE YIELD MAINTENANCE
06/02/2006  -  INVENTION IN BANKING
May, 2006
05/31/2006  -  THE COST OF WAITING
05/30/2006  -  QUALIFIED HIRING
05/26/2006  -  SHOCKING DEVELOPMENT
05/22/2006  -  SETTING THE RIGHT TIER?
05/19/2006  -  SOFT LANDING OR HARD?
05/16/2006  -  A REFERRAL PROGRAM
05/15/2006  -  THE BANK LOBBY
05/12/2006  -  THE COMMERCIAL LOAN WHALE
05/11/2006  -  SWEET 16
05/10/2006  -  FACT OR FICTION
05/09/2006  -  PRECISION MARKETING STRATEGY
05/08/2006  -  PLAYING WITH MONEY
05/05/2006  -  VIVA PRICING BALANCE
05/02/2006  -  KEEP THE CHANGE
April, 2006
04/28/2006  -  SPRING POLICY CLEANING
04/26/2006  -  IF WE PEAKED, WHAT NEXT?
04/25/2006  -  FUNDING TACTICS - PART II
04/24/2006  -  FUNDING STRATEGIES
04/21/2006  -  THE POWER TO MOVE
04/20/2006  -  SPRING BRINGS GROWTH
04/19/2006  -  THE END IS NEAR
04/12/2006  -  HOW NOT TO BE #1
04/11/2006  -  HOTEL LENDING
04/10/2006  -  PREDICTING THE FUTURE
04/07/2006  -  HIGHER PERFORMANCE
04/06/2006  -  FEEDING TIME
04/05/2006  -  REAL LIFE CREDIT SHOCK
04/04/2006  -  OF CATS AND FIXED RATE LOANS
04/03/2006  -  THE WINDOW OF BANK CAPITAL
March, 2006
03/31/2006  -  CUSTOMER ACQUISITION
03/30/2006  -  ALPHABET SOUP
03/29/2006  -  A FEW MORE STEPS TO GO
03/28/2006  -  TRUE STORY
03/27/2006  -  SHOUTING ABOUT M&A
03/20/2006  -  WHAT BUSINESS ARE YOU IN?
03/17/2006  -  ST PATRICK'S DAY
03/16/2006  -  BEHAVIORAL PSYCHOBABBLE
03/15/2006  -  FOCUSING IN
03/14/2006  -  LEAKY FAUCET
03/13/2006  -  ISDA LITE
03/10/2006  -  MATERIAL ADVERSE CHANGE
03/08/2006  -  GOING AFTER SMALL BUSINESS
03/06/2006  -  LOAN GRADES
03/03/2006  -  Segmenting Customers
February, 2006
02/28/2006  -  KNOW YOUR CUSTOMER
02/27/2006  -  ROLE OF THE CFO
02/22/2006  -  THE RITZ-CARLTON WAY
02/21/2006  -  CREDIT RELATIVITY
02/16/2006  -  HEDGING Q&A
02/15/2006  -  NO MORE BETS
02/13/2006  -  PROPER JUMPING TECHNIQUE
02/10/2006  -  SWITCHING UP
02/09/2006  -  IN SAM WE TRUST
02/08/2006  -  THE LOAN PRICING CHIMP
02/07/2006  -  SLICING AND DICING CUSTOMERS
02/06/2006  -  SUPER BRANDING
02/03/2006  -  FORMULATING A GOOD IDEA
02/02/2006  -  GROUNDHOG DAY
02/01/2006  -  HANDING OFF THE BATON
January, 2006
01/30/2006  -  ELECTRONIC NEWSLETTER
01/27/2006  -  WHY CUSTOMERS ARE A BEAR
01/26/2006  -  OF CIRCUS TENTS AND BANKS
01/25/2006  -  BANKING CLOWNS
01/24/2006  -  INTO THE CANNON
01/23/2006  -  HIGH WIRE ACT
01/20/2006  -  JUGGLING LIABILITIES
01/19/2006  -  YOUR NEXT CORPORATE OFFSITE
01/18/2006  -  GOING PRIVATE
01/17/2006  -  LOANS AND TIME
01/12/2006  -  NEW CUSTOMERS
01/11/2006  -  PLAYING THE LOTTERY
01/10/2006  -  LENDING THIS YEAR
01/09/2006  -  THE RULE OF AGREEMENT
01/06/2006  -  SAVING HEARTS AND CREDIT
01/05/2006  -  THE TAYLOR RULE
01/04/2006  -  iPOD BANKING
01/03/2006  -  HAPPY NEW YEAR!
December, 2005
12/30/2005  -  2006 LOOK AHEAD
12/29/2005  -  MODEL GOVERNANCE
12/28/2005  -  CLASSICS
12/27/2005  -  LET'S TALK ABOUT IT
12/23/2005  -  'TWAS A HOLIDAY THANK YOU
12/22/2005  -  'TIS THE SEASON
12/20/2005  -  DEAL OR NO DEAL
12/16/2005  -  ON THE CHIN
12/15/2005  -  LEMONADE FROM LEMONS
12/14/2005  -  ROULETTE WHEEL SPINNING
12/02/2005  -  PROJECTING
12/01/2005  -  CUSTOMER MAD DASH
November, 2005
11/30/2005  -  NANO CUSTOMERS
11/29/2005  -  INFLATION MEASUREMENT
11/28/2005  -  OLD BANK ANALYSIS
11/25/2005  -  BEHAVING LIKE A TURKEY
11/23/2005  -  CORRELATION
11/10/2005  -  METEOR CRATERS AND LENDING
11/09/2005  -  BIRD FLU MODELING
11/08/2005  -  BANKS VS AIRLINES
11/07/2005  -  BALANCING SCORECARDS
11/04/2005  -  SELLING YOURSELF
11/03/2005  -  WE NEED MORE TYING
October, 2005
10/31/2005  -  A SCARY DAY
10/28/2005  -  THE TIME MACHINE
10/26/2005  -  ADULT LEARNING PROCESS
10/25/2005  -  WHO IS BERNANKE?
10/20/2005  -  ADDICTION
10/19/2005  -  REFINANCING RISK
10/18/2005  -  THE RISK OF IOs
10/14/2005  -  ECONOMIC ERUPTION
10/13/2005  -  FIRING MISSILES
10/12/2005  -  NOBEL PRIZE WINNERS
10/11/2005  -  CUCKOO
10/06/2005  -  MERGER MATH
10/05/2005  -  THE ACQUISITION EQUATION
September, 2005
09/30/2005  -  ANOTHER KEY TO SUCCESS
09/29/2005  -  SEPARATING WHEAT FROM CHAFF
09/28/2005  -  INFORMATION SECURITY
09/27/2005  -  FUNDING CAN BE NUTS
09/26/2005  -  CRAZY LIKE A FOX
09/23/2005  -  CURVE BALL
09/14/2005  -  BRING THE HEAT
09/13/2005  -  THE BUZZ
09/12/2005  -  BEER AND BANKING
09/02/2005  -  THE AFTERMATH
August, 2005
08/31/2005  -  TRAIN WRECK
08/29/2005  -  CAUGHT IN THE TENTACLES
08/25/2005  -  BEST PRACTICES - ALCO
08/24/2005  -  ALCO MEETINGS
08/23/2005  -  CELL PHONES AND LENDING
08/22/2005  -  IMPROVING EFFICIENCY
08/05/2005  -  BRAIN SCANNING
08/04/2005  -  PREDICTIVE COMPUTING POWER
08/03/2005  -  PREDICTIVE CERTAINTY
08/02/2005  -  GOING INVERTED
08/01/2005  -  ASSUME
July, 2005
07/28/2005  -  THE PHYSICS OF DEPOSIT DECAY
07/27/2005  -  LOVE AND BANKING
07/26/2005  -  THE FACE OF CAPITAL
07/25/2005  -  ARMSTRONG ON MANAGEMENT
07/22/2005  -  BOOMER LEVERAGE
07/20/2005  -  SUPREME COURT V FOMC
07/19/2005  -  COMFORTING DATA
07/18/2005  -  LEARNING TO SHAVE
07/15/2005  -  THE CULT OF THE PERSONALITY
07/13/2005  -  LOOKING AHEAD
07/12/2005  -  ROCK STARS
07/07/2005  -  LOAN HEDGING WEBINAR
07/06/2005  -  FISHING FOR CUSTOMERS
June, 2005
06/24/2005  -  MORE-ON SOX
06/23/2005  -  INVESTING TIME
06/22/2005  -  LENDING IN TOP HATS
06/20/2005  -  SMART LENDING
06/16/2005  -  HERE COMES THE JUDGE
06/15/2005  -  ACTIVE CREDIT MANAGEMENT
06/14/2005  -  A BRAND PLAN
06/10/2005  -  INTEREST RATE UPDATE
06/09/2005  -  CUTTING HEALTHCARE COSTS
06/08/2005  -  BANKING EMPLOYMENT
06/07/2005  -  POWER OF EMAIL
06/06/2005  -  BALANCING RISKS
06/01/2005  -  DEEP THROAT
May, 2005
05/31/2005  -  THE ROLE OF LTV
05/27/2005  -  COMPETITORS AND MARKETING
05/24/2005  -  HOUSING BUBBLE
05/23/2005  -  DRIVING THE YIELD CURVE
05/12/2005  -  CREDIT LINES
05/11/2005  -  MORE CRE DISCUSSION
05/10/2005  -  COMMERCIAL REAL ESTATE
05/09/2005  -  HAMMER OR SCREWDRIVER
April, 2005
04/29/2005  -  FUNDING AND LENDING
04/28/2005  -  BOOMER PUZZLE
04/27/2005  -  JUDGING HOUSING
04/26/2005  -  RISK OR OPPORTUNITY
04/25/2005  -  THE GAME IS ON
04/22/2005  -  MULTIPLE CREDIT BUCKETS
04/15/2005  -  TAX TIME
04/14/2005  -  SOX AND BOARD INDEPENDENCE
04/13/2005  -  BRANCHES
04/12/2005  -  CROSSING THE FINISH LINE
04/11/2005  -  CUSTOMER PUZZLE
04/08/2005  -  BEAUTIFUL CURVES
04/07/2005  -  BANKING ON VOIP
04/05/2005  -  HELPING CLIENTS AND AMERICA
04/04/2005  -  MISTAKEN INDEXED DEPOSITS
04/01/2005  -  REGULATORY CHANGES
March, 2005
03/31/2005  -  KEEPING CUSTOMERS
03/30/2005  -  FAILURE OR RECOVERY
03/28/2005  -  CASH FLOW IDENTITY
03/25/2005  -  BANK BLOGGING
03/24/2005  -  BOOK 'EM DANNO
03/23/2005  -  BANKS AND THE FOMC
03/21/2005  -  DRIFTING AROUND
03/15/2005  -  YOUR HOST, JOHN McLAUGHLIN
03/14/2005  -  CFO CONFERENCE MADNESS
03/11/2005  -  TAMING INTEREST RATE RISK
03/10/2005  -  INTEREST RATE RISK
03/09/2005  -  SPEEDING BULLET
03/08/2005  -  OVERHEAD BIN
03/07/2005  -  SIX SIGMA ADOPTION
03/04/2005  -  YIELD CURVE BELLY DANCING
03/03/2005  -  COMO ESTA USTED?
03/02/2005  -  GETTING SPELLBOUND AT ALCO
February, 2005
02/25/2005  -  REGULATORY FOCUS
02/24/2005  -  ALL ABOUT LUCK
02/23/2005  -  AVOIDING A STUBBED TOE
02/22/2005  -  MODEL REVIEW
02/18/2005  -  THE AGENCY MARKET
02/16/2005  -  COMPETING IN SHAPE
02/15/2005  -  FLATTENING IN TIME
02/14/2005  -  MAKING ALL THE RIGHT MOVES
02/11/2005  -  Pac-Man
02/10/2005  -  TOO BIG TO FAIL
02/09/2005  -  CLONING THE BANK
02/08/2005  -  BON TEMPS ROULEZ
02/07/2005  -  LESS THAN A YEAR REMAINS
02/04/2005  -  SUPER BOWL BANK MANAGEMENT
02/03/2005  -  TACTICAL PHISH DEFENSE
02/02/2005  -  SEPARATED AT BIRTH?
02/01/2005  -  LOAN ALLOWANCE FORECAST
January, 2005
01/31/2005  -  GIRL SCOUTS AND DEPOSITS
01/28/2005  -  EXPENSIVE PROBLEM
01/25/2005  -  BORROWING MONEY
01/18/2005  -  CHICKEN TRAINING DEPOSITORS
01/14/2005  -  PASSWORD RISK
01/04/2005  -  THE ECONOMIC FUTURE OF 2005
01/03/2005  -  BANK PERFORMANCE IN 2004
December, 2004
12/31/2004  -  2005 PREDICTIONS
12/30/2004  -  PASSING JUDGEMENT FOR MONEY
12/29/2004  -  LOAN BOARD APPROVAL
12/28/2004  -  INCREASING LIQUIDITY
12/27/2004  -  LEARNING FROM THE ARMY
12/23/2004  -  REGIFTING
12/22/2004  -  OF EARTHQUAKES AND ROA
12/21/2004  -  OLD MAN WINTER
12/20/2004  -  MERGER DRUM
12/17/2004  -  INTERESTING STORY
12/16/2004  -  REINDEER GAMES
12/14/2004  -  'TIS THE SEASONING
12/13/2004  -  LAYOFFS ON EQUITY
12/10/2004  -  NO, NO, NO OR YES, YES, YES
12/09/2004  -  TRAVELING INTO NEXT YEAR
12/08/2004  -  MANAGING SHAREHOLDER RETURN
12/07/2004  -  INNOVATE BEYOND THE CUSTOMER
12/06/2004  -  SANTA'S HELPER
12/02/2004  -  BRAIN FOOD - HYBRID ARMS
12/01/2004  -  BANKING ON INSURANCE
November, 2004
11/24/2004  -  THANKSGIVING
11/23/2004  -  GIFT GIVING
11/22/2004  -  CLEANING UP EXPOSURES
11/19/2004  -  LEARNING TO MAKE MISTAKES
11/17/2004  -  SPREADING FEAR
11/16/2004  -  FASTER WITH KEYHOLE
11/11/2004  -  BACK UP THE TRUCK
11/10/2004  -  FUN IN 2005
11/09/2004  -  GREAT COACHING
11/08/2004  -  FROSTING THE CAKE
11/05/2004  -  MEASUREMENT STICKS
11/04/2004  -  LOAN CREDIT SHOCK ANALYSIS
11/02/2004  -  STAYING ON MESSAGE
11/01/2004  -  PURCHASING GROWTH
October, 2004
10/25/2004  -  CREDIT MIGRATION
10/22/2004  -  BANK EARNINGS
10/21/2004  -  A MOUSE IN YOUR HOUSE
10/20/2004  -  HEDGING RISK
10/19/2004  -  CAPPING THE WELL
10/18/2004  -  SIDEWALK DRIFTING
10/15/2004  -  MEET ED KOFMAN
10/14/2004  -  THE HALL OF FAME TERM SHEET
10/13/2004  -  MORE LOANS AND DEPOSITS
10/12/2004  -  CRAZY INVESTING
10/08/2004  -  SHERIFF JOE AND BANKING
10/07/2004  -  TRAVELING FOOLS
10/06/2004  -  DRIVING RISK MANAGEMENT
10/05/2004  -  THE HAND THAT MOVES BANKING
10/04/2004  -  HISTORICAL FODDER
10/01/2004  -  EXTINCTION
September, 2004
09/27/2004  -  PEOPLE ARE OVERRATED
09/24/2004  -  BLUE HAIR RISK
09/23/2004  -  FED FUNDS SOLD LEVELS
09/22/2004  -  ECONOMY AND TRADING
09/21/2004  -  CAN WE EARN YOUR BUSINESS?
09/20/2004  -  VALUE, VALUE & VALUE
09/17/2004  -  PADDLING ALONG
09/16/2004  -  FALCONS AND BANKING
09/15/2004  -  QUANTIFYING HERSTATT RISK
09/09/2004  -  MUD SLIPPAGE
09/08/2004  -  BID CONSTRUCTION
09/07/2004  -  WORKING THROUGH THE WEB
09/01/2004  -  MORE CUSTOMERS
August, 2004
08/31/2004  -  LOOPING BACK THE OTHER WAY
08/30/2004  -  GAMBLING OR PLAYING
08/27/2004  -  DEPOSIT EMISSION TESTING
08/23/2004  -  POLICING CD PROMOTIONS
08/20/2004  -  COMING INTO FOCUS
08/19/2004  -  DRIVE THE GREEN OR PUNCH OUT
08/18/2004  -  GET SMART
08/17/2004  -  DEPOSIT PRICING
08/16/2004  -  LIFTING A LOT OF WEIGHT
08/10/2004  -  TRIMMING FOR GROWTH
08/09/2004  -  THAT 70'S SHOW
08/06/2004  -  A LESSON FROM A PEER GROUP
08/05/2004  -  PEER REFLECTIONS
08/04/2004  -  THE XXX OF ACCOUNTING
08/03/2004  -  EARNINGS ROUNDUP
July, 2004
07/30/2004  -  PASSING MATH CLASS
07/29/2004  -  HISTORICAL REVIEW
07/28/2004  -  RED FLAG AWARENESS
07/27/2004  -  PLAYING BLACKJACK TO WIN
07/26/2004  -  BANK TECHNOLOGY REGULATION
07/23/2004  -  THINKING ABOUT RISK
07/22/2004  -  ONION PEELING
07/21/2004  -  DIAMOND IN THE ROUGH
07/20/2004  -  HARD HATS AND SHARKS
07/19/2004  -  BORED NO LONGER
07/16/2004  -  LOAN DURATION COMPONENTS
07/15/2004  -  THE END OF AN ERA
07/09/2004  -  PUZZLING OVER PROFITABILITY
07/08/2004  -  DEAL MAKING IN MOTION
07/07/2004  -  GETTING YOUR ATTENTION
07/06/2004  -  MAKING LEMONADE FROM LEMONS
07/02/2004  -  CONSISTANCY IN DIRECTIVES
June, 2004
06/22/2004  -  RISK IN REAL ESTATE LOANS
06/21/2004  -  RATE FORECASTING
06/18/2004  -  FROM THE TOOLBOX
06/17/2004  -  COUNTDOWN TO LAUNCH
06/16/2004  -  POWERFUL
06/15/2004  -  OF BLACK BOXES
06/09/2004  -  LEARNING FROM THE STREETS
06/08/2004  -  BANK PRICING MODELS
06/07/2004  -  PRIVATE BANKING