Banc Investment Daily Archives

April, 2017

April 27, 2017  -  Winning The Cash Flow Lottery

Just when you think you are good to go in life, you can get a curve ball thrown your way. Look no further than the data around lottery winners that finds a whopping 70% of these folks end up going bankrupt within 5Ys. Financial planners say that is because these winners can tend to feel invincible, leading them to give away too much money too fast. That is really rough when you consider the odds of winning the Powerball jackpot are a paltry 1 in 292mm. It won't be lost on community bankers that it appears the real issue here...

April 26, 2017  -  What Are You Talking About?

People like to talk to each other and apparently to their devices as well. For instance, comScore finds 40% of adults now use voice search at least 1x per day. Meanwhile, MindMeld research finds 60% of those surveyed say they started using virtual assistants in the past 12 months. Maybe that is why comScore projects 50% of all searches will be done by voice in the next 3Ys and Mediapost projects 30% will be done without using a screen of any sort over the same period of time. It is time for community bankers to talk about this shift in...

April 25, 2017  -  A Millionaires Guide & Incentives

Bankers are surrounded all day long by money, so we know our readers will find it interesting to know the odds of becoming a millionaire. The St. Louis Fed recently did some analysis here and broke it down by age, education and race. Here is how things stack up. The research finds the odds for middle aged, college educated Americans by race are: Asian (22.3%), White (21.5%), Hispanic (6.8%) and Black (6.4%). Meanwhile, across all groups the more education one has, the better the chances of becoming a millionaire. So, encourage your friends and family to get their master's degree...

April 24, 2017  -  Sneezing At Loan Concentrations

WebMD reports 20% of people in the US have allergy or asthma symptoms of one sort or another. Still, that is low compared to the 55% who test positive to one or more allergens. Interestingly, 15% of people believe they have a food allergy, while only about 4% actually do. We surface this because it is no sneezing matter that adults miss 5 days of work each year on average due to issues with asthma/allergies. Speaking of things that are nothing to sneeze at, today we explore loan concentrations at community banks. Bank loans have been growing at a rapid...

April 21, 2017  -  Home Ownership Trends And Community Bankers

Research by Stanford University Medical Center finds wearable sensors that monitor the heart rate, skin temperature and other variables can actually do a pretty good job in identifying when someone is about to get sick. By monitoring people over time, a baseline of health is established. Once that is collected, biosensors can then check ongoing health factors against the baseline to surface patterns of deviation. Then that information can be leveraged as a good predictor of oncoming sickness when correlated back to specific health problems. If this all works as the testing seems to show, people could be alerted to...

April 20, 2017  -  De Novo Activity Bumping Up

It takes guts and grit to start a business. After all, Inc. reports 25% of new businesses don't make it past the first year and 50% fail within 5Ys. In addition, founders of a previously successful business have a 30% chance of success with their next business. Finally, growing too fast is cited as the top reason most new businesses fail. Hey, maybe this is why so few De Novo banks have been opened since the crisis (sic). The good news is that no matter the reason or reasons, community banks are slowly rediscovering the joys of the start-up experience. In...

April 19, 2017  -  Drinking Up The Suds Of Innovation Teams

Leave it to the crazies out here on the West Coast to come up with a sustainable angle on beer. Don't get too grossed out when you hear a Southern CA brewery has launched a beer that is made exclusively from wastewater. The beer reportedly tastes just fine and the water has been purified to a level even higher than local water, but it just sounds nutty if you ask us. It seems the brewery in question adapted due to the water crisis in CA. This is very much like the way community bankers are adapting to deal with pressures...

April 18, 2017  -  Bank Stocks Rise & Fall With The Financial Tides

Most people know ocean tides are caused by the gravitational pull of the moon and the sun. That said, surfers will tell you that the sun's gravitational force is only 46% that of the moon, so the moon is really the single biggest factor here. They will also tell you the highest tides in the world are found in the Bay of Fundy in Canada, where the difference between high and low tide can be taller than a 3 story building. Scientists will tell you that tides are essentially really long waves that move through the oceans. As you bob...

April 17, 2017  -  Toiling To Improve Strategic Risk

Depending on where you look, you can often find an ant hill or two as you walk along. As those ants toil tirelessly away, new research shows their work has incredible extra benefits too. That research from China finds ants help increase the level of air and water flow in soil, along with the amount of organic matter. That is good for the earth and ultimately good for farmers as it positively impacts the soil where ants are busily working. For their part, community banks sometimes feel like ants in the great big world of the top 5 banks lumbering...

April 14, 2017  -  Small Business Fair Lending Requirement Coming

A recent poll finds 54% of Americans believe intelligent alien life exists out there somewhere. Even more specifically, about 65% of men believe so compared to 46% of women. By age, those 30 to 44Ys old are the most likely to believe, while those over 65Ys are the least likely. Even stranger perhaps, a National Geographic survey done 5Ys ago finds 77% of Americans think aliens have visited Earth. For bankers closer to home, there is a new alien reporting requirement about small business loans pending before the CFPB. If adopted, it could increase the workload of community banks and...

April 13, 2017  -  Smiling About ALLL With CECL In Mind

Hey, if you want to be happy in life, there are some things research shows you should do. These include spending 25% of your time each day socializing with friends and family; staying healthy (about 20% happier than average); spending 20 minutes outside when the weather is good; exercise; trying to eat poultry, fish, bananas and drink milk; getting enough sleep and trying to have 5 positive experiences for every 1 negative experience. Now that you know what to do to be happy in life, we pick up where we left off yesterday to try and keep your team happy...

April 12, 2017  -  Set Your Goals Before Applying CECL

A strange statistic that caught our eye comes from research by the University of Scranton that finds 92% of people don't achieve the New Year's goals they set each year. While reasons vary (we won't get into that today), we look instead to the 8% who did achieve their goals. Here, research by Locke and Latham finds that when people do two things in particular (set specific and challenging goals), they will achieve success (in the form of better performance) 90% of the time. As you read further today, think about a few specific and challenging goals you want to...

April 11, 2017  -  Flowing Water & Funding Hedges

Water is constantly flowing all around the world, which is why we found some statistics about this very subject quite interesting. At the highest level, about 71% of the Earth's surface is water-covered vs. 29% covered in land. Also interesting, of the portion that is water, about 96% is in salt water in our oceans vs. about 4% that is fresh water. Of the fresh water portion, man uses about 70% for irrigation, 20% for industry and 10% for domestic purposes. Now that you know the flow of water around the world, we focus in today on the impact...

April 10, 2017  -  Certain Models Are Rarer Than Others

Did you know that people with green eyes are the rarest in the world? That's right, only 2% of the world's population has green colored eyes. When you also consider that there are only about 10,000 fashion models around the world, the percentage of that percentage of green eyes is indeed a rare sighting. On the other end of the spectrum meanwhile, about 55% of people worldwide have brown eyes, ranking it as the most common color. Speaking of models, the business model of the community bank is both rare and common, we might argue. To understand how, let's zero...

April 07, 2017  -  Money Laundering, KYC & CDD

If you thought scientists were stodgy types who don't know how to have fun, you were wrong. We laughed when we heard a group of Belgian scientists that discovered a planetary system recently named it after their favorite beer. This group of dedicated researchers were probably toiling away late at night, and when they made the discovery they named it TRAPPIST-1 after beers that have been brewed for centuries by monks in monasteries. We wonder if they celebrated so heartily after finding the planetary system that the janitors found them passed out on the floor the next morning. Who knows,...

April 06, 2017  -  CAPTCHA-ing More Small Business Lending

To keep the bots at bay on the Internet, developers years ago came up with the CAPTCHA - technology that asks users to key in distorted text to prove they are real. Now, some years later, Google said it has come up with a way to do that automatically using machine learning and advanced risk analysis. It is termed reCAPTCHA and it uses machines to challenge suspicious activity and/or users. If it works as well as billed, it could be used by banks for fraud detection, to authenticate users of online and mobile services and a host of other things. Technology...

April 05, 2017  -  A Smart Connection to Raise Capital

Google announced its team has developed and will release later this year the first wearable smart jacket. That's right - a jacket you can wear and even wash that is connected to the internet. The jacket, known as Jacquard will be available in the fall and will allow users to control certain actions on their smartphone as they walk around town. It was co-developed with Levi's, is a dark color of denim and has a USB stick that slides into it and snaps into place as a button. It allows users to play, start and stop music; check the time...

April 04, 2017  -  Planning For Succession

LinkedIn research finds people who said their company had started a project in the past 12 months that ended up a failure indicated the following as the biggest reasons: change in organization priorities (40%), inaccurate requirements gathering (38%), change in project objectives (35%), opportunities and risks were not identified (30%), inadequate or poor communication (30%) and inadequate vision or goal for the project (30%). This is important to community bankers because projects are happening at nearly every bank nearly every day. Speaking of planning, community bankers these days are really focused on succession planning. This remains a big issue and can...

April 03, 2017  -  Fintechs & Data Sharing - An Update

Let's face it - Google does some amazing things. Whether it is search or driverless cars, they seem to be constantly tinkering. We bring this up to alert you about some things Google does that you may not know about. For instance, did you know: if you type in any crazy number in the search bar it will spell it out for you; it has been acquiring about 1 company every single week for the past 7Ys; it is also a wedding planner at Google Wedding; Google has a T-rex in front of its headquarters to remind employees not to...

March, 2017

03/31/2017  -  Customer Service Without A Smile

In case you haven't heard, a team of physicists have figured out how to encode data on single atoms. Using some super brains, super cool magnets and some super elbow grease they got it to work. By the way, an atom is about 1mm times smaller than a human hair, so this is really, really small. Pretty neat trick and it shows what one can do by attacking a problem head on. Speaking of attacks, there is a new sort of cyberattack going on that bankers should know about. According to CIO, hackers call the customer service line at hotels or

03/30/2017  -  Strategic Planning Tips

Experts now predict that giant private space station refueling depots could orbit the moon in the next 3Ys. Private companies are preparing to launch rockets, orbit the moon, land on it, explore and even put in place living habitats. That's right, it might be only 3Ys until you can jump on a spaceship perhaps, jet set to the moon and hang out with your friends or family. While strategic planning for banks may not be as difficult as going to the moon, with all the regulatory burden, competition and changing industry landscape these days, some might argue that. When it

03/29/2017  -  ALM - Thinking About Deposits (Part 2)

We came across an interesting study that finds businesses that offer great service will see 86% of their customers pay more and 40% will buy more. The flip side is also true, where the study found 78% of people walk away from buying something due to poor service. Clearly service still matters to customers, which is great news for community banks across the country that deliver top notch service time and time again. In yesterday's BID on asset liability management (ALM) modeling, we focused on a number of assumptions bankers should think about related primarily to the asset side of the

03/28/2017  -  ALM - Important Considerations (Part 1)

We note that studies find the probability of selling something to an existing customer is about 60% to 70%, while doing so to a new prospect ranges from 5% to 20%. In addition, it is about 7x more costly to acquire a new customer than to retain an existing one. Finally, you should know that existing customers are 3x more likely to buy from you than new prospects. We bring this up to help your sales efforts, while shifting gears today and tomorrow, as we zero in on helping you better manage risk and boost profitability with improvement tips around

03/27/2017  -  The Seven Deadly Cyber Threats

Did you know that research finds 85% of successful data breaches target the top 10 known vulnerabilities? That isn't the news here though. What is news is that all of those breaches could have been prevented because patches were available. The companies impacted had not updated their patches. Now you know why regulators are focused on something as mundane as asking about patch updates during IT exams. Educating employees and customers about the myriad common cybersecurity threats that community banks increasingly face is critical. According to Chicago Fed research, there are 7 cyber threats or cyber-related risks that are the most

03/24/2017  -  Digging Into Ag Lending

When you dig into the fields of the agriculture industry, a whole lot of information can be found. For instance, did you know that farming began in 10,000 BC, figs were one of the first cultivated fruit crops, bananas are the #1 fruit crop in the world and 4th largest behind wheat, rice and corn. Also of note, the US government defines a farm as any establishment that produces and sells (or would have produced or sold) $1,000 or more of agricultural products during the year. Finally, for every $1 spent on food, farmers take home 12 cents for the

03/23/2017  -  Community Banking Update On Chatbots

Research by Venture Beat finds 51% of people now say a business has to be available to them 24 hours per day and 7 days per week. They want their questions answered when asked. Further, almost 46% of people these days say they would rather contact a company using messaging than email. People want direct, 2-way communication. Finally, consider that eMarketer predicts that in the next 2Ys, 65% of the global population will be using messaging apps. This is why we plan to discuss chatbots in more detail today. First, a chatbot is basically a software program that has a conversation

03/22/2017  -  Teamwork Makes The Dream Work

Research by McKinsey around how workers communicate and collaborate using social technologies designed to boost productivity and interaction is quite interesting. It broke down the average workweek by percentage and found the top three were role specific tasks (used up about 39% of the time), reading and answering email (28%) and searching and gathering information (19%). Coming in dead last at only 14% was communicating and collaborating internally. Imagine the impact on your bank if you could get collaboration moved higher on this list. Running any business, including a bank, is a collaborative effort. That is why it is a

03/21/2017  -  The Impact Of A Heard Of Elephants

Bankers are painfully aware that the Dodd-Frank Act (DFA) is 2,300 pages long. Those resulted in 400 new rules and mandates, which, if history is any guide, average somewhere around 20 to 25 pages each. So, all told the burden to bankers who had to read the Act and all of the new rules/mandates, along with changing policies, procedures, adding employee training and dealing with a host of other issues around this has been about like a small bug being stepped on repeatedly by a large herd of elephants. That is why community bankers, who have limited staff and resources,

03/20/2017  -  China's Currency Movement & What It Means

Bankers love money because it is deeply embedded into the business of banking itself. Things you may not have known about our US currency are: the $10,000 bill is the highest denomination ever circulated by the federal government; the very first US coins were made in 1792; about 94% of bills are contaminated with bacteria; the $1 note makes up about 45% of currency production; and a $1 bill has 13 arrows, 13 leaves (in the olive branch), 13 stars and 13 stripes (on the shield) - all there to represent the original 13 colonies. The US dollar (USD) has

03/17/2017  -  Looking At Green Holidays And Biometrics

Today is St. Patrick's Day, so be sure to wear blue. That's right, an interesting fact we dug up was that St. Patrick was partial to a light shade of blue. The color green only showed up after this event was linked to the Irish independence movement in the 18th century. If that isn't weird enough for you, consider as well that St. Patrick wasn't even Irish, but was British. Now you know. As your banking team gets ready to celebrate St. Patrick's Day, we take a moment to talk about how the industry is using biometrics. While no one is

03/16/2017  -  Get Cyber Serious With Vendors

Ok, we don't want to freak you out, but we came across an interesting story about researchers at MIT who have created a robot controlled by human thoughts. That's right - this robot responds to commands triggered by thinking alone and does not need electronic or voice commands. Given all the weird stuff people think about during the day, we wonder how these robots will someday respond. While not as cool as think-moving a robot perhaps, almost all community bankers we know are worried these days about how best to respond to the risk of cybersecurity. If you are leaving this

03/15/2017  -  Newly Launched Business Opportunity For You

New things are launching all around us all the time it seems. Point of fact is the latest update for Google Assistant. This voice enabled software now reads your text messages, reads the names of senders, manages conversations and even replies to conversations. Speaking of new launches, consider that in a good news story for community banks, new businesses (particularly small ones) are being launched at a rate not seen since before the last recession. According to data from the Kauffman Foundation, the US produced 330 new entrepreneurs for every 100k people, as the nation recorded the 2nd year in

03/14/2017  -  Time Is Passing

There is an old joke about time that we modify here for bankers. Why did the banker put a clock under their desk? They wanted to work overtime. While that is a sad joke at some level, perhaps some of you cracked at least a bit of a smile to start your day. Speaking of time, we take a look today at what happened last year in banking from the perspective of the latest financial data. We did some analysis using Q4 data recently released by the FDIC to give community bankers more insight. The FDIC headlines pointed out that the

03/13/2017  -  An Autonomous & Driving Analysis Of CECL

Research by McKinsey finds the typical personally owned car sits idle 85% to 95% of the time. Given the average cost of a new car is about $34,000 that is a huge asset to just leave sitting around. Also of interest perhaps, in the next 10Ys to 13Ys (by 2030), it is estimated driverless cars could account for up to 20% of total passenger miles globally. We just found all of this interesting so wanted to share it with you this morning. Speaking of interesting changes happening now that will impact the banking industry in the near future, bankers are closely

03/10/2017  -  CRM And A Customer Database Review

Research by SuperOffice finds the top benefits businesses said they hoped to achieve using a customer relationship management (CRM) solution were: improve customer service (74%), improve customer satisfaction (66%), improve customer retention (56%), increase sales (54%), generate new business (53%), share and distribute data (48%) and market products/services more (37%). As with these businesses, bankers also want to track their customers and market to them more effectively. That is why CRM solutions have grown over the years. Although the financial industry has lagged other industries in some cases, that may soon change. That's because JPMorgan, one of the giants in

03/09/2017  -  The Skinny On Mobile Banking

JD Power looked at what mobile banking features deliver the most satisfaction to customers. Their research found those things that had the biggest positive impact were: special offers (54%), person to person electronic payments (47%), banking alerts (42%), paying bills (37%), checking balances (35%), transferring funds between accounts (35%), finding branch or ATM locations (24%) and depositing checks (15%). Now you know what to talk to your core provider about the next time you bring them in for an update on system enhancements. Community bankers hear day in and day out about the benefits of mobile banking. Yes, it is what

03/08/2017  -  Another Impact Of Self-Driving Cars

Here is an interesting statistic by Cisco - 60% of consumers in the US would ride in a driverless car and 48% would let their kids ride in such a car. Meanwhile, research by NerdWallet finds the main reasons men don't like driverless cars is because they are too expensive (63%) and they take the fun out of driving (44%), while women are also concerned about them being too expensive (64%), closely followed by not being safe (55%). Google started the autonomous car phenomenon some years ago and through 2016 had clocked over a million miles. Many other players have

03/07/2017  -  AI & RegTech Compliance

We are intrigued by science and technology, so today we lay some info on you around artificial intelligence (AI). For starters, AI is growing very quickly and there are some things community bankers might want to know about it because it will definitely impact banking. For instance, a survey of corporate executives found 32% say voice recognition software is the most used type of AI in their workplace. Research by Gartner projects AI bots will power 85% of all customer service interactions by 2020 and 20% of business content will come from AI by next year. Now that we have

03/06/2017  -  Virtual Credit & Debit Cards To Fake Out Thieves

Fake news is all the rage right now as a discussion point for the media. That's why we found research by Stanford that looked at this very subject so interesting. It evaluated the ability of students to assess information sources, distinguish ads from articles and separate neutral news sources from biased or fake ones. Some of the most shocking results: 80% of middle schoolers believed sponsored content was a real news story, 80% of high schoolers found it extremely difficult to determine whether a picture without attribution they were shown was legit or fake (they simply accepted it as fact)

03/03/2017  -  A Slow Path Towards Faster Payments

Snails sure are weird looking critters. We all know that, but you may not know they are related to shellfish, there are about 150,000 species of them, they are not the same thing as a slug (which has no shell), and they speed along in your garden at a whopping 50 yards per hour (so it would take them 35 hours to go 1 mile). We bring this up not only to educate you about snails, but also because the banking industry has been traveling along at a snail's pace toward faster payments. Along with a group of the largest global

03/02/2017  -  Going Out West To Explore Fintech

There is a western joke that goes "A cowboy rides into town and shoots an artist." The sheriff asks him, "Why did you do that?" The cowboy answers, "I thought he was going to draw." Now you know why we are bankers and not comedians, but hopefully you enjoyed this bit of humor. The growing importance of financial technology (fintech) in banking has given rise to partnerships between banks and fintech firms. While these firms can deliver some slick new services, some are lightly capitalized, may largely ignore banking regulations, are brand new companies without a track record or may change

03/01/2017  -  Managing Cashflow To Capture More Revenue

Managing cashflow is something banks and businesses do every day. That is why we were surprised to see research by PYMNTS.com that found 90% of companies across Europe, Middle East and Africa regions do not have a transparent view into their cashflow. Meanwhile, back here in the US, research by Atradius finds 33% of companies in the US carry invoices in accounts receivable that are 90 days past due. In banking, cash management products and services generate as much as 33% of overall revenue, but until recently, some community banks have been remiss in measuring or closely monitoring such programs. Most

February, 2017

02/28/2017  -  Efficiently Taking Stock of Repurchase Plans

Everyone wants to do things better and more efficiently, as we all seek ways to get more hours out of each day. One thing that might help bankers comes from IBM. Its research found that when it comes to email, you are better off not sorting messages. That's because searching your inbox these days is about 42 seconds faster than looking through folders. We just timed it and that is enough time to walk from the office to the kitchen and fill a cup of coffee. Now you know. Speaking of increasing efficiency, we note the largest banks have really

02/27/2017  -  Using Cell Phones to Measure Creditworthiness

The ubiquitous cell phone is now making its way into the world of credit risk analysis. In some countries, cell phone activity is now being used to assess how well a borrower might repay a loan. The idea is interesting, as it expands the list of potential data points community bankers may soon be collecting, in a never ending quest to get beyond simple existing credit scoring. Consider a recent study by economists at Brown University and the Entrepreneurial Finance Lab (EFL). They wanted to know whether a person's phone habits could correlate with creditworthiness. They analyzed more than 3,100

02/24/2017  -  The Blowing Winds Of The Brexit

For those who enjoy a good weather story, we note the Saffir-Simpson scale measures the intensity of a hurricane. Wind speed is measured on a scale of 1 to 5, with Category 1 winds between 74 to 95mph and a Category 5 blasting along at 155mph or more. While we have yet to see how powerful the blast of the Brexit will be on US community banks, we thought it was time for an update. The British government has finally laid out details for its departure from the European Union (EU) in a 77 page white paper. This moves the Brexit

02/23/2017  -  Video Conferencing With Business Customers

NASA has found an ancient volcano on Mars that is the largest in the solar system and reportedly erupted non-stop for about 2 billion years. That is certainly a lot to deal with for the Martians living there. While perhaps not as sizeable an eruption, back here on Earth community bankers too are dealing with explosive advances in technology that are significantly disrupting the business. From mobile banking, to robo-advisors and even biometrics, technology has made many aspects of banking far more convenient and less time consuming for customer and bankers alike. Nonetheless, we strongly believe that technology will never

02/22/2017  -  Apple Pay, Amazon & Community Banks

Despite the hype around mobile payment services, the majority of the population still relies heavily on traditional credit cards and has yet to embrace it. However, with the volume of mobile payments expected to reach $503B by 2020, according to Business Insider Intelligence, that is about to change. Two of the biggest mobile payment platforms are aggressively working to ramp up the number of customers who use their services by adding things customers want most - such as loyalty programs and the convenience of one stop shopping. It's no secret that people love loyalty and rewards programs, and Apple Pay is

02/21/2017  -  Financial Crime and Risk Management

The Financial Crimes Enforcement Network (FINCEN) occasionally will issue reports around the work depository institutions and others are doing to protect the country in this area. For 2016, the data is in and you may be interested to know depository institutions filed a whopping 2.67mm suspicious activity reports (SARs). Wow. It can be comforting to think that most financial crimes happen in big cities, at banks with international connections and vast service networks that can be compromised. Bad guys just don't waste their time laundering their loot through friendly community banks. It may seem unlikely, but when it comes to criminals,

02/17/2017  -  Experiential Marketing For Bankers

Community banks are very active in their communities and small businesses in particular have come to rely on that activity to support their businesses. Community bankers commonly contribute to local causes and organizations, while executives also serve on local boards. These are all important and effective ways to stay connected to a community and build deeper ties. When it comes to marketing, there is another way of engaging with a community that can provide significant benefits to a community bank's store of good will. Known as "experiential" marketing, it has become a significant tool for community banks. For those who

02/16/2017  -  The Health Benefits Of Regtech

How cool is this? Scientists have just discovered a new super antibiotic that blows up drug resistant super bugs. It literally tears the bug's surface right off it and then kills it. Now that is a big deal indeed. On the banking front, we are always looking around for big things and these days one of them seems to be a banking antibiotic focused on dealing with regulatory overload by leveraging technology. It is a simple fact that regulatory challenges can be found across the community banking landscape. It is also true that many of these issues have been created or

02/15/2017  -  Striking A Balance Between Digital & Personal

If you sometimes find the competition running so high you worry about the competition taking your customers, take heart that at least your bank isn't operating in China. In that country it seems bankers have it really bad. There, a Gallup poll found bank customers seem to be some of the unhappiest clients in the world. Only 8% of bank customers in China, in fact, consider their primary bank to be the "best" bank and almost 50% see their primary bank as no different from any other bank. That is brutal, so today we seek to uncover any lessons US

02/14/2017  -  Gifting Benefits For Student Loans

Do you ever find it hard to buy gifts for some people? Are people returning your gifts more often than not? Although this may not happen when you give chocolates or flowers, there is a new study out that addresses gift giving and the way to do it successfully. It notes that the biggest discrepancy between the gift giver and the gift receiver is in perceptions. You see, the giver often thinks of the moment the gift is received, while the receiver's experience is with the gift itself and how useful it is to them. When you are giving your

02/13/2017  -  Avoiding Wire Fraud Car Wrecks - Lesson Shared

The Bank for International Settlements (BIS) indicates the global payments infrastructure around the world is built on a complex linkage of domestic and cross-border payment systems that each has a multitude of regulators overseeing the functioning of their individual networks. Millions and millions of international wire transfers go through this financial web each and every day. To avoid issues, knowing best practices is one way community bankers can leverage this opportunity, while keeping things secure for the bank and its customers. International transactions are similar to cars on a freeway. There are literally millions of them speeding around relatively uneventfully. But,

02/10/2017  -  Social Media Migration For Community Banks

Over a 10Y period, British researchers followed the migration of insects to see what they might see. Their findings are detailed in a study published in the journal, Science. Their data showed 3.5T insects actually migrate every year to and from the UK. This is a total biomass of 3,200 tons! That is 7x larger than the 30mm birds that leave the UK for Africa each year. It also seems this insectoid migration is critical for pollination, food sources for birds and bats and agricultural pest control. This massive bug migration reminds us of social media and how some

02/09/2017  -  Is Your Board Tech-Savvy?

As technology becomes more central to banking, a new competitive issue is also emerging for community banks: A lack of strategic technological know-how at the top. The banking industry is more reliant than ever on technology expertise to upgrade back office operations, improve customer-facing retail delivery, protect systems and mitigate the risk of intrusion, meet new compliance requirements, and basically carry financial institutions into a new and more efficient future. With worldwide IT spending expected to reach $3.5T in 2017, the global economy seems driven by technology. Additionally, the financial services industry is one of the biggest spenders on IT,

02/08/2017  -  Regulatory Changes Coming Or Not?

A major breakthrough has been made by two Harvard scientists. They have turned hydrogen into metal. For those science aficionados out there, you know that this can only be done by cooling liquid hydrogen to absolute zero and crushing it at thousands of times the earth's atmospheric pressure. Now that this small feat has been done, the real trick is to slowly bring the hydrogen metal to room temperature to see if it will stay in its metal form. If it does, then the applications could be far-reaching. This combination could produce a superconductor of energy that could be stored

02/07/2017  -  Building Job Satisfaction Hunger

If you love hamburgers, you may be shocked to find out that one seller on EBay is looking to sell bottles of McDonald's Big Mac special sauce for $100,000. It seems McDonald's is running a program offering only 10,000 bottles to select restaurants worldwide starting January 26th. That apparently led a few opportunistic burger sellers to look to resell the bottles. Crazy yes, but it reminded us how crazy some of the research is around younger workers and their corresponding impact on community banks. To set the record straight, data from the Labor Department (as of 2015) finds the following approximate

02/06/2017  -  Fishing Around Interest Rate Risk

If you have ever tried fly fishing, you have a better idea of what it takes to lure a trout - fake insects with feathers and fur. This may be changing though, as another type of bait seems to be working better - mop threads. We are not sure who tested this first and fully understand some fishing purists may not be willing to entertain this change. Nonetheless, fish seem to love the "mop fly" so change is afoot. Every industry sees changes, and banking is one that has seen more than its fair share. This has left management teams

02/03/2017  -  Streamlining The Credit Process

Inflight entertainment is changing. American Airlines is the first to eliminate the inflight screen on the seatback as a cost-saving measure on its new 737 MAX domestic planes. Instead, it will offer inflight entertainment on your own tablet, laptop or phone through the newly installed Wi-Fi system. Considering that it costs $3mm per plane to wire and set up an inflight system, not to mention the fuel costs with a heavier equipment load, other airlines may be going the same way soon. In a similar way, community banks may be able to refine their approach to cut costs by streamlining

02/02/2017  -  Of Reindeer And Tech Savvy Seniors

There are apps for everything these days and if you live in Lapland, Finland you know they can be quite practical. We are talking about the savvy app developer who looked at the problem of regular truckers hitting wandering reindeer along dark and slippery roads. To solve the problem, an app shows any reindeer on GPS within a 1 mile radius so drivers can slow down and be more alert. Given there are more than 300,000 reindeer wandering around this part of the world that is a big risk, so this technology solution is an interesting one indeed. While kids today

02/01/2017  -  Coconut Crab & Airbnb Impact On Lending

You would not want to come across a hungry coconut crab. It measures 3 feet wide, can lift up to 62 lbs and has a crushing force stronger than the bite force of all land animals save the alligator. These crabs can climb trees, crack open coconuts and live on islands in the Pacific and Indian oceans. Although Airbnb has no claws and is not able to roam tropical white sand beaches, if it did, it would most likely be considered a coconut crab given the way it is crushing the sharing economy. While most community banks may not be huge

January, 2017

01/31/2017  -  The Cost Of Kids And Agribusiness

When you find out you will become a mother or a father, there is great exuberance and a sense of responsibility too. That responsibility seems to have become larger these days as the latest figures were just announced - it now costs over $233,610 to raise a child through age 17. The heftiest cost is housing, with 33% of the total (the cost of an extra bedroom), and urban moms and dads will pay more than their rural counterparts. If you have three or more kids, though, there is good news - you pay an average of 24% less per

01/30/2017  -  Stepping In A Bear Trap Is Painful

The typical bear trap is about 44 inches long, weighs about 45 pounds and has a jaw spread of about 16 inches. These traps are so strong they can snap a 2x4 piece of wood entirely in half. Suffice it to say, you have to be careful when wandering around the woods to avoid stepping on one as it would certainly be a very painful encounter. Speaking of the pain from stepping into a bear trap, our discussion this morning we believe is an interesting one and particularly so, as it is true. It ended with a large $6B community bank

01/27/2017  -  Echoing Issues With ADA Website Compliance

Most people have at least some fear of technology and robots eventually turning against us some day. For a man in AR that reportedly killed someone, perhaps that day is today. Here, AR police seized the suspect's Amazon Echo and sent a warrant to the company to hear what it had recorded. However, just as Apple rebuffed law enforcement last year, Amazon also did not see justified cause for the information request. We wonder what Alexa thinks about all of this, but for now privacy appears to still be in the hands of the owner. In banking and other industries,

01/26/2017  -  Keeping Bank Culture From Shrinking

Science finds your brain will shrink unless you feed it good stuff. A diet rich in olive oil, fish, fruits and vegetables can help. This is detailed in a study published in Neurology, which shows, not only the overall health benefits of these foods, but also that your brain actually shrinks less on such a diet. It found that over a 3Y period, a subject group in their 70's had 50% less brain shrinkage than those who consumed normal foods. To avoid a shriveled brain over time, that is something worth noting. Could this be similar to choosing a healthy

01/25/2017  -  Green Light For M&A Or Not

If you are like us, you have no doubt sometimes felt like you are hitting all of the red lights when want to get somewhere quickly. Well, one Uber driver in NYC seems to have found a "green wave" of 240 lights. He beat his last record hitting 186 green lights from 2Ys ago. He videotaped his drive at 3:30am on Dec. 6th for verification, which shows how he slowed down or turned right when necessary to continue driving for his new record. Somewhat similarly, M&A deals can seem like a green wave of lights at the start but may

01/24/2017  -  Monopolizing The Customers By Looking Right

First sold in 1935, the classic Monopoly board game lately has been getting trendy. Although Hasbro, which owns the game, recently replaced the iron game piece with a cat, this is the first time they are using crowdsourcing and potentially replacing all pieces. There is a list of 64 suggestions to choose from including the obvious hashtag, emojis, a thumb's up, flip flop, airplane, computer and even a rubber duck. After Jan. 31st, they will tally the votes and release the results of the "popular vote" pieces to be used as permanent additions in the upcoming game. This game will

01/23/2017  -  Marketing To Seniors

Expanding from its flagship roastery cafe in Seattle, Starbucks recently announced that it would be rolling out 100 more high-end "tasting room"- style cafes, as a vehicle for its small batch cups of coffee. Leather chairs, gold leaf accents and table service all play into the enriched experience for a $10 cup of Starbucks' special reserve coffee. Not only will these new fancy cafes appeal to the coffee elite, but they will also help Starbucks' bottom line. Community bankers may want to take note, as you try to appeal to your largest customer segment - seniors. According to the

01/20/2017  -  Waking Up Apps For Business Customers

Should you wear gloves while napping? The mom of a six year old shopping aficionado now thinks so. While she was sleeping on her living room couch, her daughter took her thumb and gently opened the Amazon app on her phone. Apparently, she couldn't rely on Santa for her wish list and ordered $250 worth of Pok?mon gifts for herself. After receiving 13 order confirmation notices, the mom thought her Amazon account had been hacked. Little did she know the hacker was her little Pok?mon princess! What people don't know can hurt them and that is the case in banking

01/19/2017  -  Old & New Approach To Choosing ALM Vendor

There will come a day when we must explain to young people why there are so many businesses that start their names with a series of "A"s, such as AAA Pest Control or Aardvark Window Tinting. Well, it all gets back to those days of yore before the Internet and Google. Back then there was a paper thing known as the yellow pages and people would flip through it to find a business. These were organized in alphabetical order and it became known that some of us were too lazy to call anyone past the letter "A," apparently. Things have changed

01/18/2017  -  Taking Care With ESOPS To Benefit Banks

A recent study found a strong connection between caring for others and living longer. A group of 500 people aged 70 to 103 were studied for 20Ys. The researchers found that those who took care of grandchildren or even adult children had a higher incidence of life longevity. Most were still alive 10Ys after the first interview. On the other hand, 50% of those who did not provide any care to others died 5Ys after the study commenced. Even those who took care of people in their social network outlived those who didn't. We knew that it was admirable

01/17/2017  -  How to Avoid Choking on Credit

Dr. Henry Heimlich, inventor of the Heimlich maneuver used to help choking victims, passed away in December of last year. He was 96Ys old. Given there are 4,000 choking fatalities each year, Dr. Heimlich realized something needed to be done. He developed the Heimlich maneuver in the 1970's and eventually, its success paved the way to a new standard procedure throughout the US. Ironically, Dr. Heimlich only used the procedure once to save an 87Y old woman and that was just last year. Just as the Heimlich maneuver saves people from small mishaps turning into big consequences, looking at credit

01/13/2017  -  Internal Security Threat

You probably saw the story about how researchers at UCSD analyzed the molecules left behind on a cell phone and found out some interesting things about the user. In it, the researchers were able to determine things such as whether the owner was male or female, drinks coffee, eats spicy food, wears high end cosmetics or sunscreen, and is being treated for depression. Some hailed this as a way to help solve crimes where fingerprints are not available, leverage when doing environmental exposure studies, or perhaps even help with patient compliance. Speaking of compliance, today we focus on employee compliance

01/12/2017  -  A Smoking Conundrum For Community Banks

The US government defines marijuana as the dried leaves, flowers, stems, and seeds from the hemp plant, Cannabis sativa. The government also indicates the plant contains the mind-altering chemical delta-9-tetrahydrocannabinol and other related compounds. As things stand today, marijuana remains illegal at the federal level, despite recent moves by some states to legalize it at the state level. Given FDIC insurance is at the federal level, banks throughout the country risk a lot if they decide to do business with such customers - even if the state in which the bank is located has legalized it. Despite a boom in new

01/11/2017  -  Assessing Cybersecurity Risks

You may be surprised to find out that a new poll by Intel Security finds the average person now has 27 discrete online logins and more than 1 in 3 people forgets a password at least 1x per week. Maybe that's why studies find about 60% of people reuse passwords when going online. Even if community banks could solve this problem in its entirety within their own organization, their own customers would still introduce significant potential cyber risk to the bank. This is one reason why regulators are highly concerned and have ramped up reviews and expectations for banks worldwide. One suggested

01/10/2017  -  Central Bank Actions Wake Up Banks

Did you know that when it comes to sleep, Americans get the following: 5 hours (12%); 6 hours (24%); 7 hours (30%); 8 hours (20%); 9 hours (4%); less than 5 hours or more than 9 (10%). Now that you know how you rank when it comes to hours slept, we thought you might also be interested to know that studies find 52% of Americans sleep partially clothed, 31% sleep fully clothed and 17% sleep naked. We wonder what these results look like when you go around the world. Speaking of going around the world, today we take a look at

01/09/2017  -  Painless Plunge For Doctors

A polar bear plunge of sorts has been going on for 8Ys in Anchorage, AK. More than 1,000 people jumped, stepped or were pulled into the freezing cold water of an ice-covered lake to benefit Special Olympics in December. Some consider it a rite of passage; others say they think the jump is "lots of fun;" and still others think it is nuts. Around 5,000 native Alaskans and transplants alike have taken the plunge since the first of the year and raised over $2mm for the Special Olympics. This reminds us of the plunge many doctors must make into

01/06/2017  -  Leadership In Banking

The American Psychological Association reports 80% of Americans have confidence in their ability to manage their money. Yet, Time reports the top 5 money arguments between couples are due to frivolous purchases (46%), household budgeting (33%), credit card debt (26%), insufficient emergency savings (25%) and insufficient retirement savings (22%). Something about this picture doesn't compute, so in 2017 community bankers can lead their customers to good standards of money management. Speaking of leadership, we look to recent comments by Mark Olson, Chairman of Treliant Risk Advisors. He notes that true leadership is earned as others see you lead and describe you

01/05/2017  -  Sweating It Out With Selfie Banking

Studies find about 7% or so of people are afraid of needles. While that pales in comparison to the percentage of people afraid of public speaking (74%), death (68%), spiders (31%), darkness (11%) and heights (10%), good news is at hand for the needle sufferers. That's because research by Northwestern University finds sensor stickers and wireless technology that use sweat may soon take the place of poking needles in arms for blood tests. This medical advancement reminds us of another called "selfie banking". Selfies are no longer just for teens and vacationing families, but are for bank authentication too. At the

01/04/2017  -  Should We Be Singing The Blues?

Is blue the new white? Since 2011, white has been the top car color according to PPG Industries, a 131 year old supplier of paint for auto manufacturers. White was popular due to its association with trendy and prestigious Apple products. But, now it seems that blue has a chance to reign. A color expert from PPG believes all the signs are there for blue to eventually take over. After all, 10% of this year's models are blue and multiple variations of blue make it easier to differentiate even within the blue color palette. But, just because you drive a

01/03/2017  -  The BID Process

About 20Ys ago, we had the idea to create a daily publication designed specifically for community bankers. While it has been refined over the years, it has stood the test of time. In fact, each week we add a few hundred new bankers or regulators to the distribution list of the Banc Investment Daily (BID) and readership is now over 75,000. Given that growth, every few years we stop to take a moment and explain the intent of each specific area within this publication. We do this to help make sure all of our readers can effectively utilize everything the

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