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Banc Investment Daily Archives

October, 2017

October 18, 2017  -  Debit Card Fraud - Your Customers Should Know

The number of cards compromised at US ATMs and merchants rose 39% in the 1H 2017 vs. the year-earlier period according to FICO. The firm also tracked a 21% rise in compromises of ATMs and point-of-sale (POS) devices in the US in the 1H 2017 vs. the same period in 2016. This report highlights an intensifying problem for consumers, business customers and for community banks. Consider that the number of compromises is on track to set a new high for the FICO(R) Card Alert Service, which monitors hundreds of thousands of ATMs and other readers in the US, according to the...

October 17, 2017  -  Gen Z Customers - Spenders Or Savers?

Forrester research is forecasting online holiday sales will increase by 12% this year. On average it also expects holiday shoppers will spend $689 for online gifts - an 8% increase over last year. While bankers still have plenty of time to shop for the holidays, you may want to compare these numbers with your own shopping habits for fun. Bankers are always looking at the habits of their customers so today we examine Generation Z to see what surfaces. A recent study by The Center for Generational Kinetics gives several insights into how Gen Z (1996 to somewhere...

October 16, 2017  -  Rich Data To Recruit Bankers

If you want to target rich bank customers, you may want to see what devices they use. In a recent Global Web Index study of tablet users, 44% were more likely to be in the top 25% for income. They were also more likely to be parents and fall into the age category 35-44. It is pretty amazing what you can find out when you crunch the data. Artificial intelligence, or AI, is basically data crunching on steroids. It is used today for a wide range of tasks including medical diagnosis, electronic trading and aviation. It's even quickly becoming a game-changer...

October 13, 2017  -  Startups - Nothing To Sneeze At

Scientists seem to be near a cure for the common cold. You heard us right - the cold may be on the way out. For eons, scientists have tried to get rid of this annoyance, but the issue has always been that the virus for the common cold mutates quickly so it has been difficult to target. Now, scientists are targeting the actual genes of the virus, which appear to have the same decoding mechanism in all strains. Hope is near that this discovery will lead to an effective drug in about 10Ys. Imagine never having a cold again!...

October 12, 2017  -  Testing Your Tech Investment

Using something known as paper spray mass spectrometry, researchers from the University of Surrey have developed a new fingerprint test that will accurately detect cocaine usage and identify the user within seconds. It even works after handwashing, which makes the test even more robust and effective. Technology breakthroughs are happening everywhere and the banking industry often seems like ground zero. Interestingly though, a study finds this may not be the case with many banks. When it comes to data analytics, for example, many banks are sorely missing the mark. Just 13% of senior executives and independent directors responding to

October 11, 2017  -  Ozone & Bank Board Supervisory Expectation

Good news! Scientists from MIT and University of Leeds have found the ozone hole is actually decreasing and is expected to close entirely by 2050. Their research attributes the decrease to the ban of chlorofluorocarbons from aerosols, but it was still a big surprise, since there had been spikes in ozone depletion recently. Those spikes were later attributed to volcanic activity vs. aerosol use. Just as the ozone hole has been getting smaller, so has the pool of bank directors in recent years, as expectations placed on them have intensified. To help alleviate some of the burden, the Fed recently sought...

October 10, 2017  -  Staying On The Straight And Narrow

We found research by the US Sentencing Commission on recidivism among federal offenders interesting. It looked at offenders who were either released from federal prison after serving a sentence of imprisonment or placed on a term of probation in 2005 to see how many of these people reoffended. It found about half (49%) were rearrested within 8Ys for either a new crime or for some other violation of the condition of their probation or release conditions. If you are wondering how we can improve this, consider another study that found there is a 25% decrease in the likelihood of re-offense...

October 06, 2017  -  Changing Behaviors In The Branch

A recent review of national survey data by SDSU and Bryn Mawr College finds 18Y olds are waiting to engage in adult behaviors such as driving, getting an after-school job or drinking alcohol. Only 67% of teenagers say they tried alcohol between 2010 and 2016 vs. 93% who did so between 1976 and 1979. The influence of the virtual world has no doubt influenced some of this behavioral change, but some experts believe an increasing affluence has facilitated this trend as well. As these young customer behaviors and preferences change, bankers now realize that banking channels need to change too....

October 05, 2017  -  Binging On Behavioral Analytics

Lately, it seems everyone is binge watching something. Whether you are churning through Game of Thrones, Breaking Bad, or something else it can be fun. In fact, according to Deloitte, 73% of people have binge watched and the average time they spend doing so is five hours at a clip. The bad news - other studies have found the more you binge watch, the lower quality of sleep, greater symptoms of insomnia and higher fatigue. The way people behave is interesting and perhaps that is one reason behavior analytics are being used more in banking and the broader corporate world. Many...

October 04, 2017  -  Mobile Wallet - Progress Is Being Made

Novartis recently received FDA approval for the US market's first gene therapy - where immune cells are taken from a patient, reengineered and then reintroduced to fight their cancer cells. Novartis' Kymriah helps to fight acute pediatric lymphoblastic leukemia. Although this approval is seen as an important milestone in clinical medicine transformation, there are still questions to answer and the price tag of $475,000 for one course of treatment is not feasible for widespread use. However, it does point to important progress here perhaps. In banking, digital payments are also making progress. Here, community banks are beginning to offer mobile wallets...

October 03, 2017  -  Popular Competition for Community Banks

Being popular in high school can take a toll later in life it seems. Consider a study by the University of Virginia that found people who were considered popular in high school had greater social anxiety than those with a smaller group of close-knit friends (also had higher self-confidence). It goes to show you that being cool can occur in many forms and over many time periods and each one can impact the trajectory of one's life. Speaking of trajectories and being cool, at least when it comes to the corporate world, look no further than Amazon. More specifically, community banks...

October 02, 2017  -  Risk Management Tips to Keep You on Your Toes

Credit card skimmers are becoming more tech savvy but also more lazy. They are using Bluetooth technology to effortlessly capture lists of credit card numbers as they are often swiped at gas stations and outside ATMs, but more often than not, they are also using the default device name and passcode. This makes the skimming device easy to identify - with a new app. Of course, the smart skimmers will soon rename the device and choose a new passcode. The skimmer risk game is always changing. Similarly, the credit risk management landscape is ever-changing. It would be tempting to get...

September, 2017

09/29/2017  -  A Bank's Relationship With CRE Lending

The latest census data shows that both men and women are getting married later in life - men are waiting until they are almost 30 and women are delaying marriage until 28. This trend has economic ramifications as people usually get married, then buy a house and after that, have kids. Getting married also combines household resources and provides a buffer for unexpected financial downfalls, such as job loss or house foreclosure. This reminds us of the relationship of community banks with commercial real estate (CRE) lending - deeply committed but with many seeking a buffer. The OCC's latest report

09/28/2017  -  The Human Element Of Your Board

Community bankers should note that robots can now form teams. Researchers worked on a solution to give robots not only a central-processing unit to problem-solve, but also censors that allow one machine to take over leadership for a team of robots to work together. Doing so gives the team flexibility in that if one breaks down, the others can still continue on. There are many potential applications for this technology, from business logistics to military operations. While we don't necessarily think a bank board comprised solely of robots would make much sense, some bankers we know might say something else

09/27/2017  -  Digital Assistants, Biometric ATMs & Data Storage

A potential new hack nicknamed DolphinAttack has been found by researchers in China. It reportedly records and sends unauthorized commands to digital assistants at an ultrasonic frequency. Just like dolphins, such frequencies are not detectible to humans but are easily heard (transferred) by devices. Researchers found they could give high frequency commands to most digital assistants including Alexa, Siri, and Microsoft Cortana. How this plays out with all the work going on in the biometrics space is yet to be seen, but it is interesting. As the banking world looks to biometrics as a way of eliminating passwords, pin numbers

09/26/2017  -  Tattoo Ink and Small Business Cyber Toxins

New research in Scientific Reports indicates there may be a health hazard from tattoos that has not previously been observed. It seems researchers have found high levels of metals circulating in the body and concentrating in the lymph nodes that can be traced back to tattoos. Under the research, scientists observed stained lymph nodes in two tattooed cadavers and found heightened levels of several metals, including toxic mercury in one of them. The next step is to study the actual health effects of this residual ink from tattoos. Community bankers don't need to get tattoos to feel the potentially toxic

09/25/2017  -  "Pen Precise" FDIC Guidance

A new type of "pen" produced by researchers at the University of Texas at Austin has been shown to detect cancer in 10 seconds with 96% accuracy. This amazing pen does so in lung, thyroid, breast and ovary cancer cells. It provides critical information to surgeons in real time to more accurately remove all cancer cells. Researchers say the next step in this evolution is to decrease the allowable sample size to make surgery more precise. Maybe regulators have been reading this too, because the FDIC has moved to add more precision to its instruction book. It updated its FDIC Risk

09/22/2017  -  Zika and Your Payment Strategy

Scientists have found that the Zika virus can be used to combat brain cancer cells in adults. You heard right - a particularly aggressive form of brain cancer known as glioblastoma seems to be attacked by the Zika virus. So far, this otherwise deadly virus has successfully diminished these aggressive tumors in mice, while leaving other brain cells untouched. Human trials are still at least 18 months away but tests in the lab show early promise. To be sure, the difficulty for bankers in deciding on a payments strategy pale in comparison to curing brain cancer, but it is still

09/21/2017  -  New Class Action Ruling On Cyber Risk

The top 10 most expensive homes for sale in the US add up to almost $2B. The home that tops the list is worth $350mm in Bel Air, CA. It is on a sprawling 10.3 acres and its claim to fame is that it served as Jed Clampett's home in the television show The Beverly Hillbillies. But, one of the most interesting listings was a home in CO that boasted "real dinosaur footprints" on the property. No matter what size home you live in, you might need to move to something more expensive when it comes to protecting your bank

09/20/2017  -  Old Wine And Faster Payments

Just recently scientists came across some 6,000 year old terracotta jars with dried up wine at the bottom. These were found in a cave in Sicily and look to be the oldest evidence of winemaking. It would seem the Italians even beat out the French, earning their reputation as the first Europeans to produce wine. For those interested in buying wine, payments were no doubt made a lot less expeditiously back then than they are today. After all, how many sea shells can you put in your pockets? Today, strives are being made for even greater efficiencies with the continuing

09/19/2017  -  Trouble May Be Lurking - OCC's Latest Risk Update

You may not realize it but research now finds people check their phones 47xs per day. That much touching also provides many opportunities for germs to accumulate on our phones. In fact, a new study finds phones can have 10xs as many germs as a toilet seat! Yuck. The good news is that most of these germs are not harmful, but some are. Of course, experts say keeping your hands clean is the best germ prevention. So, as you read our update on the OCC's semiannual risk report, you may want to reach for the antibacterial bottle and give it

09/18/2017  -  Stay Engaged with ACH Risks

Being a workaholic is bad, right? Well, a new study recently reported by the Wall Street Journal finds the problem is not necessarily working long hours, but working a lot and not being engaged. Researchers presume that workaholics who enjoy their work reach out for support when needed, which helps mitigate health risks such as high blood pressure. This is a good thing since bankers may find themselves working longer hours due to ACH and wire fraud. Schemes to perpetrate ACH or wire transfer fraud, including corporate account takeover, are a big concern because they tend to have a greater impact

09/15/2017  -  Are Your Employees Financially Stressed?

A new study by John Hopkins gathered tracking device data from 12,500 people for a week. It found 19Y olds have the same activity levels as 60Y olds. That's right, younger people these days are sitting around playing videos or doing homework, rather than getting out and running around. The research finds it isn't until the 20's that activity levels increase, only to then decline again at 35. Since physical activity is known to reduce stress, you may want to think about initiating a company baseball team or running club for financially stressed employees. We bring this up today because

09/14/2017  -  The Challenges Of CECL And Optionality

You may not have thought about it, but astronauts in space need to be very resourceful. After all, you can't just open a door and take out the trash in space. Gross but true, urine is already recycled for drinking, but there are now efforts to incorporate yeast with it to provide nutrients to astronauts and even form a type of polyester for 3D printers. Makes you want to jump on a spaceship and head to the stars! In banking things can be tough, but at least you don't have to turn urine into polyester like Buzz Aldrin. That said, the

09/13/2017  -  Stretch Away From Computer Toxins

A link between yoga mats and infertility was implied through a Harvard study that evaluated flame retardant exposure in women at a fertility clinic in Boston. These toxins can be absorbed both through the air and by touch. While yoga may not be your thing anyway, cyber threats are computer toxins that affect everyone. When people talk about protecting their bank's information, they usually talk about technology--firewalls and secure software and encryption and the like. But according to Alex Stamos, one of the most prominent chief information security officers in the high-tech industry, enterprises should be focusing more on the "human"

09/12/2017  -  Don't Feel Down About the End of LIBOR

A new study published in the National Bureau of Economic Research addresses the "mid-life crisis" that has become somewhat clich?. Based on surveys from 1.3mm people in 51 countries, this clich? may have scientific grounds. The study found that the lowest point of life's satisfaction comes around 50, with the high points around the early 20's and then again at retirement. Regardless of your age, you don't need to feel unhappy about the end of the LIBOR, as there are alternatives which could prove even better. You've probably heard the chatter about replacing LIBOR as the benchmark for financial transactions.

09/11/2017  -  Give Credit Where Credit Is Due

The Fed New York recently reported that we have officially surpassed the US household debt record from its height of $12.7T during the 2008 recession to $12.8T in 2Q 2017. In case you are wondering, the main drivers of this climb were student and auto loans, while mortgage and credit card debt both decreased in the same timeframe. This may give you food for thought while contemplating lending activity including credit card offerings. While many community banks currently offer credit cards, it could be argued that this hasn't been a hot area of focus. But, as the economy rebounds, this trend

09/08/2017  -  Analyzing Online Banking & Cyber Risk

A Bloomberg analysis of company earnings calls and other corporate events for the most recent quarter shows the top 3 things executives are most worried about based on analyzing the transcripts. It finds the term Amazon was mentioned the most by far. Over the past 90 days in the analysis, Amazon was mentioned almost 400% more often (635x) than President Trump in second position (at 162x) and wages in the third position (at 111x). No matter how often you mention things at your bank, as an industry, bankers talk a lot about cybersecurity risks. That is because it is scary and

09/07/2017  -  Fintech Tolerance

A small clinical trial in Australia could have large ramifications for the peanut allergy population. In a trial performed by the Murdoch Children's Research Institute, 48 children were given increasing amounts of a probiotic along with peanut protein once daily for a year and a half. At the end of the test, 82% were deemed tolerant and 70% had long-term tolerance 4Ys later. This brings us to another issue that seems to require the tolerance of bankers. Late last year the OCC said it planned to issue special purpose national bank charters to fintechs that seek them. That lit

09/06/2017  -  Using Your Brain On Employee Assessments

Did you hear about the "brain-eating amoeba"? This may sound like something out of a 1950's science fiction movie, but in fact, it has shown up in real life. An LA teenager was the latest case last year. Often found in southern states, the amoeba comes from warm, freshwater bodies of water. Once inhaled through the nose it is very difficult to detect. The good news is that only 40 cases have been reported in the last 10Ys. Something that doesn't have to be as bad as the "brain-eating amoeba" relates to employee assessments. Although many people struggle to find the

09/05/2017  -  RPA - Ready Or Not, Here It Comes!

Since you are most likely drinking a cup of Joe this morning, we thought we would update you a little on the price of that cup of coffee. This year's El Nino and its increased rainfall - up to 400% over normal in some areas - have greatly affected the top coffee-producing countries. As a result, coffee (currently at $1.30/lb) is believed by some experts to possibly hit $3.00 later this year. If this directly translates to your cup of coffee, that could mean your $3.00 cup of coffee could hit $6.90! This may lead you to savor your

09/01/2017  -  Raising Your Hand For Knowledge Banks

Interesting research by the National Bureau of Economic Research reveals that children born in September excel over their August-born peers. It was reported that September-born children were 2.1% more likely to go to college and 7.2% more likely to graduate from a competitive college on average, than those born in August. We thought this knowledge was interesting and may be useful to you at a future point in time perhaps. Along these same lines, if you find yourself (and your bank) in need of a way to store other important information to use later, we might suggest considering

August, 2017

08/31/2017  -  Streaming Social Media Metrics For Your Bank

Bankers often think their industry is feeling the most heat from all this technology and demographic change but what about movie theaters? Sure, they don't have to deal with regulators like you do, but original content and on demand internet streaming from multiple sources are taking a toll on performance. These days, iTunes, Netflix, Amazon and now Facebook have all launched video content streaming and it all seems to be negatively affecting movie theater sales. This year, consumer spending on streaming video is expected to exceed that at movie theaters by over $2B, according to a PwC forecast. As social

08/30/2017  -  New Cyber Security Ratings

Bug burgers are now being sold in Switzerland. Apparently, there has been a change in the food and safety laws, which opens the door to insect-based foods. That means all you tourists out there can now eat insects such as crickets, grasshoppers and mealworms along with your Swiss cheese. Whether this will take off as the latest trend for foodies or just gross everyone out, we will all have to wait and see. For bankers, eating bugs may in fact be easier than trying to figure out the ins and outs of cyber risk ratings. Of course, bankers all know about

08/29/2017  -  Zen Leadership From Outside Banking

New research by the American Psychological Association found people who did hot yoga twice a week were 3x less depressed and stressed than those who did no hot yoga. Now it is probably difficult to tell whether sweating buckets was the main reason for this difference or something else. But it is certainly interesting enough for scientists to follow up. For those who were wondering - the scientists did not test other types of yoga or exercise for this study. As you think about ways to contort your community bank to remain competitive, you may want to consider an example from

08/28/2017  -  Mind Over Matter And Risk Vs. Opportunity

A Stanford study suggests that if you simply think you are fit, you are more likely to live longer than if you actually are fit. Researchers looked at data collected over 12Ys, which included medical history, physical activity data and questions such as how active people were compared to their peers. People who "thought they were less active" were associated with a statistically significant higher risk of death at 71% more than those who "thought they were more active," after adjusting for real activity levels. This obvious balance of mind and matter may also get you thinking about the balance

08/25/2017  -  Safety In Life And In Banking

Drinking alcohol reportedly increases your risk of skin cancer. That's right, research reported in the British Journal of Dermatology finds there is a clear association between how much a person drinks in alcohol and how likely they are to get non-melanoma skin cancer. Some project that people who drink more booze might also engage in behaviors that lead to getting sunburned, while others say it is too early to tell. Nonetheless, to protect yourself the next time you plan on having a few cocktails, you might want to grab an umbrella, put on long sleeves, a hat and slather on

08/24/2017  -  Advice And Lessons From Direct Bank Customers

The Daily Meal has some advice when it comes to losing weight. Specifically, when you are trying to lose weight and hit a wall or plateau, there could be perfectly rational reasons. Among them: you might not be drinking enough water (the body needs water to break down fat), you might not be eating enough fats (low fat foods can leave you hungry) and you could be eating too much protein (the body stores excess protein as fat). Banks too can sometimes hit a plateau when it comes to satisfying customers it seems. Consider for instance that while direct banks

08/23/2017  -  Discovering Strategic Planning Best Practices

The journal Science reports researchers have uncovered evidence of a previously unknown family of asteroids that appear to be the oldest known objects in the universe. The asteroids are 4 billion years old and are floating around out there in space. For comparison, the universe itself is thought to be about 4.6 billion years old, so these asteroids are pretty old indeed. As your bank explores the present situation and projects into the future during strategic planning this year, we have some ideas to help you perhaps. While it may be tempting to postpone the strategic planning process in favor of

08/22/2017  -  Joking Around with Customer Service

How funny is this? It seems seven Roman Catholic priests walk into a bar (actually a pub) and approach the bartender for a beer. The bartender takes a look at the group and tells them they cannot be served because they are wearing fancy outfits. It seems the bartender mistook them for a stag party (an all-male party held for men getting married where everyone drinks heavily), which in Britain apparently often involves dressing up in costumes (which is where this bar/pub is located). This true story was corrected by the pub once a manager saw what was going on,

08/21/2017  -  Eclipsed Asset-Based Lending

The much anticipated total solar eclipse will happen today. However, only a select few get to experience a total eclipse. It starts at 10:16 a.m. PST in Oregon and will continue through 8 states - for the first coast-to-coast solar eclipse in almost 100 years - before it ends in South Carolina. It is a lucrative event to be sure. Airbnb apartments are going for as high as $7500/night in Salem, OR, and there is a plethora of eclipse-branded swag priced at a premium. This makes us realize that there could be eclipsed opportunities in banking. Some of you

08/18/2017  -  Gen X - A New Perspective For Bankers

Bankers know that demographics are changing and the impact that can have could be a big one. What you may not know is that things are moving quickly indeed. Consider that Pew Research finds 85% of people now get their news on a mobile device vs. 72% 1Y ago. Further, a whopping 67% of people age 65 and older get their news on a mobile device vs. only 43% over the same period. Clearly things have shifted quickly across all demographic cohorts so bankers too will have to adapt their marketing approach in turn. Given so much talk about Millennials, today

08/17/2017  -  Monstrous Hiring Hints

The police across the country not only protect us all as citizens, but they also do some pretty nice things above and beyond the call of duty, from time to time. We loved hearing the story about a 4Y old little girl whose family had just moved into a new house in CO. The family went to a community event and at that event the young girl approached a police officer. She told the officer she was worried there could be monsters in the new house and she asked the officer to come and check to be sure. The police

08/16/2017  -  Executive Management Road Tour (SF) - Day 2

While the fog was still trying to lift in San Francisco, the 2nd day of the Executive Management Road Tour kicked off. Finance and risk were the first topics on the agenda. Here we discussed the results of a PCBB survey of community bank CFOs and Risk Management Officers that brought to light the main concerns and areas of strategic focus. The top four concerns for CFOs were 1) new technology 2) required compliance 3) acquiring new customers and 4) remaining competitive. Showing proactive planning for the latter two concerns, many bankers in the room raised their hands when asked

08/15/2017  -  Executive Management Road Tour (SF) - Day 1

Today and tomorrow, we bring you some reflections and insights from our Executive Management Road Tour held in San Francisco, co-sponsored by a leading accounting firm, RSM. This year we decided to bring in another market-leader in their industry, RSM Accounting Firm as a co-sponsor, to share their expertise as well. The theme of the conference was overcoming today's challenges and capitalizing on tomorrow's opportunities. Our 17th annual community banking event brought in nearby bankers from CA, WA, AZ, CO and NV. It also brought in bankers from as far away as AK, ND, NE, AL, TX, IA,

08/14/2017  -  Screaming About Customized Marketing

Google has reportedly reached yet another milestone in its digital dominance. It has reportedly found that its artificial intelligence (AI) robots are now more accurate at identifying and blocking extremist videos online than humans. Its AI identified 75% of offensive videos before users reported them. That is amazing, but it also makes you wonder where all of this digital expansion and customization is ultimately heading perhaps. On the topic of more quickly knowing things about customers who interact with your bank perhaps, technology is making leaps and bounds there too. After all, it is no surprise that brochures and print ads

08/11/2017  -  Universal Digital Identity - Pushing The Envelope

Identity theft is ugly. In fact, Javelin Strategy & Research finds in their 2017 Identity Fraud Survey that there were 15.4mm US fraud victims alone, resulting in $16B in losses. Meanwhile, card not present fraud jumped 40% over the prior year. This isn't surprising when you consider yet another survey by OnePoll. It found 71% of respondents write down their user names and passwords, 52% know at least one other person's PIN, 40% say at least 1 person knows their user name and password, 25% have never changed their PIN and 10% say they have given a bank card and

08/10/2017  -  Lessons From An Online Audit

Statistics show the IRS audited about 0.70% of returns filed for the year of 2016. Of course, that is the average and the percentages begin to soar the more you make to almost 20% at the highest compensation levels. For its part, PwC says the purpose of a financial audit for a company is to form a view on whether the information presented in the financial report, taken as a whole, reflects the financial position of the organization at a given date. Among things auditors do not do is they do not check every figure in the financial report; judge

08/09/2017  -  Education And Support For Cyber

Since bankers are in the money business, you may find it interesting that researchers at Utah State University found students who completed a basic financial education course were more responsible with their money. After just one course, this group outperformed those who did not take the course by having more self-control and an improved risk tolerance than those who did not take the course. Now you can brag about how much of an impact being a banker can have on improving society as a whole! As with having financial savvy, understanding more about the world of cybersecurity is also important these

08/08/2017  -  Walk The Talk - The Bank's Purpose

Prevention highlights some key benefits people can get from walking just 30 minutes per day. They include such things as: a better mood, improved creativity, increased metabolism, a 20% to 40% reduced chance of stroke, a 30% lower risk of cardiovascular disease, fewer varicose veins as you age, a better digestive system and better focus on goals. We will be back to finish this discussion in a moment, but first we are heading out for a 30 minute walk around the block. Ahh...back at the desk again. As seen above, the value of walking is clear but what about the value

08/07/2017  -  Looking Below The Surface Of 3D Printing

Did you see the news that researchers now believe there could be a whole lot of water sitting under the surface of the dry, old, crusty moon? It seems researchers from Brown University have been able to detect water molecules using pictures of the moon's surface and reflecting light somehow. The bottom line is that if this is true, we could live there, have oxygen to breathe, water to drink, water for growing food and hydrogen for creating rocket fuel to come and go. It sure is interesting how things around us can change so quickly just by taking a

08/04/2017  -  Big Data More Accessible For Community Banks

Bankers know the value of the data they hold, but one key issue revolves around the best way to clean and access it all. Consider research from International Data Corporation (IDC) that projects worldwide revenues for big data and business analytics will soar to around $151B this year (+12% vs. 2016). According to IDC, banking is one of five industries making the largest investments in 2017 in big data and business analytics so it is the subject of our discussion today. Big data, which includes not only data gathering and analytics but also human behavior patterning and complex risk

08/03/2017  -  USAA And Mobile Check Deposits

Almost all US banking institutions offer remote deposit capture (RDC). That makes sense when you consider a recent remotedepositcapture.com survey of financial institution executives. It found 76% of respondents say the benefits of RDC "far outweigh" the risks and costs and another 20% say the benefits "marginally" did so. That is pretty good for any product and bodes well for RDC too - despite much higher BSA and AML costs over the years. Most banks know they have USAA to thank for being able to offer customers the ability to deposit checks remotely. You see, over a decade ago USAA employees

08/02/2017  -  Closing The Online "Deal" With Your Customers

Deloitte did some work recently that looked at shifting consumer behavior when it comes to food and shopping. It found the top attributes surveyed consumers ranked in importance around food safety were: free of harmful elements (62%), clear and accurate labeling (51%), clear information (47%), fewer ingredients (42%) and nutritional content (41%). In food as with other shopping activities, this tilts toward a trend of greater buyer control, a desire for better information and a driving focus on what matters to the individual, it would seem. When it comes to online shopping, research shows consumers will often "abandon" the process in

08/01/2017  -  Security In Mobile Bank Apps & TLS

A study by PwC finds 62% of companies surveyed expect cyber risk to cause disruption in the next 3Ys but only 9% say they have a high or very high cyber risk maturity. Clearly the data shows there is room to improve in this area and community banks are aggressively taking steps to do so as well. Cybersecurity is often in the news. However, one of the latest issues to arise is somewhat new and concerns mobile banking apps. Cybersecurity experts have discovered vulnerabilities with the implementation of encryption connecting mobile phone apps to bank servers. This is concerning indeed as

July, 2017

07/31/2017  -  Managing Risk Around Governance & Compliance

Good news - the IRS reports fewer taxpayers reported identity theft in the first 5 months of this year (107k) than in 2016 (204k) and 2015 (297k). It seems better risk management techniques that include: improved coordination between the IRS and private sector tax preparers, better technology filters, limiting the number of refunds that can be send to a single bank, and other factors have all helped reduce this risk over time. Bankers know all about risk management and new governance, risk and compliance (GRC) changes are coming down the pipe in the next 12 months or so. That means community

07/28/2017  -  Taking A Comprehensive View Of Strategy

Have you heard there are now inexpensive cameras that provide a 360 degree view? That's right - you can now pan around an image from the sky to the ground and all points around. Imagine the possibilities - monitoring construction sites to track completion in real time, viewing all areas of the vault, training, product marketing and a host of other applications. The cost of these cameras has come down to only $500 bucks, so look for more amazing videos coming soon with a 360 degree viewpoint. Technology keeps advancing and according to Accenture's "Banking Technology Vision 2017" report,

07/27/2017  -  Former Employees - Potential Risk

We found out recently about a scam involving certain food delivery companies and restaurants. It seems some food delivery companies said they offered food from restaurant X, but when ordered online an entirely different restaurant Z was actually cooking the food for the delivery firm. Obviously this situation means you need to be careful about what you order, from whom you order it and also who delivers it, to be sure you are indeed getting what you want. There are lots of risky things in life to be sure and one that bankers don't always think about relates to previous

07/26/2017  -  Fraud Prevention And Customer Service Balance

LexisNexis research on fraud finds merchants believe the following: reducing fraud can help increase my company's sales (48%), lower fraud rates increase customer loyalty (44%) and they believe it costs too much to control fraud (20%). Clearly this data points to both the opportunity and risk of fraud and its ancillary drivers for both customers of banks and banks themselves. As banks step up anti-fraud defenses, research suggests it may come at the expense of customer loyalty. In the zeal to verify transaction data like identities, banks can wind up annoying the very customers they are trying to protect. Verification processes and

07/25/2017  -  Banking Industry Change Recognition

Facial recognition has made some huge strides in recent years. In fact, MIT reports face detecting systems have jumped in China and are used to provide access to facilities, track down criminals, track movement within a building, transfer money and a host of other things. It won't be long until this technology sweeps the world as it can provide increased accuracy in recognizing people and in speeding transactional flows. This technology and many others are key reasons why community banks must keep moving forward with their plans to grow and evolve. This is despite unprecedented levels of change in recent

07/24/2017  -  Retribution Hacking Isn't A Video Game

Research by Princeton and the University of Chicago finds men ages 21 to 30 spend much less time working and much more time playing video games than men 31 to 55. The data finds hours worked for the younger group fell 12% from 2000 to 2015, while it declined 8% for the older cohort. The study also found those who stopped working average 520 hours per year on the computer and 60% of that time is spent playing video games. Speaking of things people do related to computers, in 2015 Juniper Research estimated that cybercrime would cost businesses $2.1T globally by

07/21/2017  -  Good vs. Evil & Multi-Layered Biometrics

We searched Google for the word "good" and got back 6.8B results. We then repeated the process for the word "evil" and got back only 609mm results. We were quite pleased to see that Google's algorithms are so smart that good wins out in the battle vs. evil. As with all things in life where this battle is occurring, good bank technology teams have also been fighting to beat back the evil doers out there in the cyber world. In this fight, some are turning to the field of biometrics. Today, most banks safeguard customers' sensitive data with passwords, but a

07/20/2017  -  Bagging Your Content Marketing

A Visa survey finds the average person spends $2,746 per year on lunch. It seems people eat out about 2x per week on average at a price of $11.14 per meal. That leaves packed lunches or meals at home for the rest of it at an average of about $6.30 per meal. For those keeping score, the data shows it costs about 43% less to eat at home or brown bag it than to eat out. That said, what's the fun in that? As you ponder where you may get your lunch today, we give you something else to think

07/19/2017  -  Working Longer And Robotic Advisors

It used to be that when you hit 65Ys old you could retire and feel pretty comfortable where you were. These days though, research by the Bureau of Labor Statistics (BLS) finds people are working longer. The BLS found that as of the end of last year about 18% of the workforce was age 70 to 74 and another 8% were age 75 or older. Reasons vary, but one certainly has to do with wealth management. When it comes to wealth management, fee-based income has been an important focus for banks over the past 10Ys. One way to do so is

07/18/2017  -  Rest Is Difficult When Fighting Off Competition

Whether you are going on vacation or have already been on one, we find a recent survey reported by CNBC from LearnVest interesting. It found 66% of Americans say they spend more on a 1 week vacation than they do on a month's rent or mortgage and that they typically pile up $1,108 in debt doing so. That means it takes the average person 6 months to get back to where they were before going on vacation. Ah well, bankers are under so much stress we hope you are spending more and staying longer to recharge. Unlike the rest and

07/17/2017  -  The Annoyance Of Memory Based Hacking

A recent article by Concur identified the biggest job related annoyances that have surfaced in the past 20Ys or so. They include: smartphone sounds, unnecessarily replying to all in an email, having awkward web conference calls, over sharing links, pressuring co-workers to share your creations with their personal networks, sending emails to colleagues on the weekends, slow computers, sharing critical information verbally instead of through email or otherwise documenting it, connection requests on social media from co-workers and old technology solutions. In banking there are many other annoyances beyond bad employee habits and one of the spookiest relates to cyber

07/14/2017  -  Less Gas Around FASB & PBEs

In a twist that is certainly giving Exxon and other gas and oil companies' gas, France announced it plans to end sales of gas and diesel cars by 2040. Of note, France's goal is well behind Norway (2025) and India (2030), but is nonetheless a big move toward ending fossil fuel usage it would seem. It looks like electricity will be all the rage in the next 10Y to 25Ys or so. In similar fashion, sometimes new accounting rules can also give community bankers indigestion. It therefore comes as a pleasant surprise that a new interpretation of a FASB rule could

07/13/2017  -  Keeping Your Eyes Open To API

Keep your eyes open around the bank. We say this because a new American Express OPEN survey finds 18% of employees say they have stolen someone else's lunch from the office refrigerator. This is certainly a sad state of affairs, so let's hope the next time you open the fridge this hasn't happened to your lunch. Speaking of open things, today we zero in on recent UK and EU legislative developments focused on making "open banking" a reality in these markets in 2018 (and then probably the US). Starting next year, European banks must facilitate access to account information through

07/12/2017  -  Community Banks Hit The Market In 1Q17

Good news for all of those coffee drinkers out there. New research published in the Annals of Internal Medicine finds a direct correlation between coffee drinking and a reduced risk of heart disease, stroke and liver disease. A 16Y study found men who drank 3 or more cups of coffee per day lower their risk of death by 18%, while women saw an 8% decline. Drink up! In other good news, 1Q17 was a good time for community banks too, according to the FDIC's Q1 report on how 5,401 community banks are faring. In many categories, community banks outperformed

07/11/2017  -  Sibling Fights And C&I Lending For Growth

Here's a weird thing - kids fight about all kinds of things, but money isn't one of the biggies. In fact, a CNBC report finds only about 15% of adult siblings say they fight about money. Of note, for the group that does fight about money, the survey found 68% said parents were the cause (how they provide financial support, divide inheritance and other factors). We figured as a banker you would like to know what your customers are doing, so we share this today. Speaking of sharing things you might want to know about, we switch our topic to

07/10/2017  -  Small Things Can Have A Big Payoff

Really small things can sometimes really help humans. Look no further than a discovery made by the University of Southampton. There, researchers found nanostructured glass can be used to record and retrieve data. These small glass disks about the size of a quarter can hold 360 terabytes of data. Also, this storage device can handle heat up to 1,000?C without an issue. Basically, the research indicates companies should be able to store and save their data at room temperature for about 13.8B years. That is a really long time obviously, so this finding provides a greater possibility in solving the

07/07/2017  -  Exploring The World Of Untapped Borrowers

For eons, people have stared up at the night skies and wondered when or if we might travel to a habitable planet. Roll forward to this year and astronomers report finding just that. Even better, this planet known as Proxima Centauri or Proxima b is only 4.24 light years away. It orbits the closest star to the sun, is about the size of the Earth and it may have water. This discovery is pretty interesting if you ask us. In another interesting thing more directly related to community banking, we focus our energies today with some methods and madness around finding

07/06/2017  -  Going Molecular To Solve A Big Problem

In a great news story, scientific researchers at London's Royal Marsden Hospital have reportedly been able to dramatically shrink tumors related to ovarian cancer. A reported 70% of patients with a specific molecular target responded positively to the drug. Scientists are calling this the biggest breakthrough in ovarian cancer in a decade and that is good news indeed. In banking, technology experts have been seeking good news when it comes to defending against security breaches. According to Identity Theft Research Center, last year saw a 40% increase in reported data breaches, including the largest in history affecting a

07/05/2017  -  Experiment Leads To Finding

While searching for a cure to cancer, scientists this year uncovered the cells that make hair and also turn it grey. That is good news for those who have gone bald and want to grow their hair back and for those seeking to look younger. Scientists say the breakthrough could one day solve both issues. On a similar front, bankers everywhere have been researching how best to leverage their branch network and the staff therein. While not as fancy perhaps as growing hair or staying young, we know many bankers out there that would have more of both if

07/03/2017  -  Sleeping Soundly Around Password Risk

A new study by Penn State researchers finds the sooner babies are put in their own room the longer they will sleep. That's right, babies that didn't sleep in the same bedroom as their parents slept for longer stretches of time (about 45 minutes longer). The information runs counter to recommendations of the American Academy of Pediatrics, who say parents should share a room (but not a bed) with babies for 6 months to 1Y. It is something to think about perhaps but be sure to check with your pediatrician to get professional advice. In banking, the professionals say many

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