ABA Banking Journal Community Bank Competetiveness Survey 2006 - (Page 13)

CompeteSurvey 02_06 copy 1/26/06 3:51 PM Page S13 Exhibit 27 Has free checking become common in your market? No 8.2% If yes, does offering it still give any competitive edge? Yes 91.5% Deposits & funding No Yes 65.5% 34.5% The hunt for a lendable buck Advantage strongest in Northeast and Central states T en years ago, the first round of this survey had just been published and some CEOs were discussing the fu- Exhibit 28 ture of banking that it implied. Does your bank offer fee-based overdraft checking? More than one wasn't so sure that Plan to By type the hunt for deposits would be an issue in 2006 of bank Yes for community banks for much longer. In Business 45.1% 5.9% fact, several of those talking firmly be- Consumer 53.2 Yes Farm 21.3 lieved that community banks were going General 48.9 44.1% to evolve into something much more like Community a localized mutual fund taking in unin- Bank sured investments and placing them in If yes, what growth do you local companies strictly as a middleman. credit to this program from No June 2004 to June 2005? Ten years later, none of that has come 50.1% to pass. If anything, deposits have grown Number of DDA accounts 4.2% more important. Indeed, sources of fund- Average balance per account 2.3% Overdraft fees 20.9% ing have expanded over ten years, though not all banks tap every potential source. There are still a few markets where free checking isn't the norm so much so that in two- Exhibit 30 Exhibit 29 thirds of the markets, How did your usage of FHLB advances change from it is no longer a com- How does your bank's use of brokered June 2004 to June 2005?* deposits and institutional funds compare petitive advantage, to five years ago? but a necessity. Fur- ther, some banks Stable won't touch brokered Stable Down 29.9% 15.5% 8.2% by bank size Up Down Under $100 million 28.9% Up 18.8% $101-200 million 39 Up 36.4% $201 million-up 41 30% Never Never use them CDs and other insti- use them 46.3% tutional funds, in 15% spite of regulators' general acceptance of them nowadays. Over the last five years, one out of ten banks belonging to the FHLBS was tapped out . * 87.2% of the banks responding belong to the Federal Home Loan Bank System. Competitiveness Survey 2006 ABA BANKING JOURNAL/MARCH 2006 S13

Table of Contents for the Digital Edition of ABA Banking Journal Community Bank Competetiveness Survey 2006

Contents
Executive Forecast
Regulatory Barometer
Branching Trends
Branching Strategy
Branch Design & Construction
Deposits & Funding
Your Bank's People
Today's Technology
Acknowledgments

ABA Banking Journal Community Bank Competetiveness Survey 2006

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