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Category >> Pass the Aspirin The Blog

Dec 20
2012

HOW ARE YOU HANDLING THE SUNSET OF 'TAG'--THE TRANSACTION ACCOUNT GUARANTEE PROGRAM?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: FDIC'S TAG Program--Transaction Account Guarantee--sunsets at yearend, as Congress did not extend it.

Our Question: Will your bank change strategy at all in deposit gathering or working with small businesses in 2013 as a result? Now that TAG is history, will banks in your market begin paying interest on business checking accounts to hold onto funds? Overall, what is your strategy handling the end of TAG?

Come see what other bankers think, and add your own views

Oct 12
2012

HOW ARE YOU HANDLING THE STAFFING CHALLENGE?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: With many banks facing lower revenues and the costs of many factors of running a bank heading up, some tough decisions have to be made these days. Often it's hard, but some banks come out the other side of the process with improved outlooks.

Our Question: How has your bank reorganized its staff or revamped its approach to staffing?

Come see what other bankers think, and add your own views

Oct 05
2012

WHAT IS YOUR BANK DOING TO RAISE MORE REVENUE?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: Many banks face increasing financial pressures these days. Traditional activities aren't as profitable as they once were.

Our Question: What steps has your bank explored in repricing and otherwise rethinking bank service fee philosophy?

Come see what other bankers think, and add your own views

Aug 03
2012

WHAT ARE YOU DOING TO KEEP EMPLOYEES MOTIVATED?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: It's more demanding than ever on bankers. Smaller staffs, increasing regulation, a tougher business environment. It's harder to keep one's chin up and a smile on one's face.

Our Question: What new steps has your bank tried lately to perk up the workforce?

Come see what other bankers think, and add your own views

Jul 25
2012

WHAT QUOTATIONS, MOTTOES, ETC., DO YOU KEEP BY YOUR DESK?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: The demands of the banker's day just keep growing. Life is busy on all fronts and you have to take care of your customers, be they the public or, for those on support staff, your fellow bankers. It can be tough to keep your chin up, your shoulder to wheel, and all that. It helps to have reminders of good advice, good attitude, good ideas.

Our Question: What advice, quotations, slogans, or other helpful messages do you keep on your desk, on your bulletin board, or under your glass desktop?

Come see what other bankers think, and add your own views

Jun 15
2012

HAS YOUR BANK TRIED STRESS TESTING?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: Regulators made it clear that stress testing as required for banks over $10 billion under Dodd-Frank is not required for community banks. But community banks face many financial challenges today--rate risk, loan risk, and even liquidity risk, over the horizon. Vendors, including one endorsed by ABA, offer stress testing to community banks. 

Our Question: Has your bank tried stress testing on its own? Is it worth the time and expense? 

Come see what other bankers think, and add your own views

Jun 01
2012

WHEN TECHNOLOGY IS THE PROBLEM, NOT THE SOLUTION

Posted by Andrea Rovira in Pass the Aspirin The Blog

The Headache: Technology shines like a beacon of hope, but sometimes technology disappoints. Sometimes it lets you down. And sometimes it just plain drives you nuts!

Our Question: How can a bank get what it needs out of technology, without the ulcers? 

Come see what other bankers think, and add your own views

May 25
2012

HOW DO YOU KEEP YOUR COMMUNITY BANK RELEVANT?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: There's a huge amount of noise, evolution, change--call it what you will--going on out there in financial services. One community banker recently said he was sure there were competitive factors he wasn't even aware of, the way things are changing.

Our Question: How can a community bank ensure that it remains relevant to its customers and its community?

Come see what other bankers think, and add your own views

Mar 29
2012

HOW DO YOU THINK 'OUT OF THE BANKING BOX'?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: Bankers frequently steep in their own business thinking. They talk to other bankers, read banking publications, and attend banking conferences. Banking, banking, banking.

Our Question: Where do you go to seek out fresh ideas, so you can think "out of the banking box"?

Come see what other bankers think, and add your own views

Dec 29
2011

WHAT BOOKS HAVE YOU READ LATELY THAT HAVE HELPED?

Posted by Steve Cocheo in Pass the Aspirin The Blog

The Headache: Sometimes fresh ideas don't come out of your own brain when you need them. And sometimes reading about the victories--and even the mistakes--of others is less painful than learning in the first person. And today's challenges often call for skills new to many bankers.

Our Question: What books have you read lately that helped you and your bank? Have you shared them with colleagues? What did you learn?

Come see what other bankers are reading, and add your own finds

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