ABA Banking Journal Community Bank Competetiveness Survey 2006 - (Page 3)

CompeteSurvey 02_06 copy 1/26/06 3:42 PM Page S3 COMMUNITY BANK COMPETITIVENESS SURVEY 2006 A PROJECT OF THE ABA COMMUNITY BANKERS COUNCIL AND ABA BANKING JOURNAL The right tools at the right time ou can drive a nail with many things especially if you Y are lazy . A heavy wrench. A rock. Or just bang it in with the heel of your workboot. But there is nothing quite like the right tool for the job: a hammer. Yet even there, variations abound. You have all-steel hammers with rubber grips. They'll last forever, but it hurts to use one after a while. There are those fiberglass-handled affairs, which some swear by and some swear at . And then there's a good, old wooden-handled ham- mer, well-balanced, shock-absorbent, and the choice of many pros as the best tool except when they're using a nail gun . At conferences and peer group meetings, community bankers' shop talk often centers around the tools of their trade, too. Everything they wield to meet their competitive challenges branches, technology, staff, board members is in some fashion a tool, and no shame in the term. Though not CONTENTS the only determinants of success, often the choice of and care of tools, and the way that they are applied, are what- This report presents eight broad areas of data for your planning makes the difference between a craftsman and a duffer or a efforts: top performer and an also-ran. Information, of course, is also a tool. One of the goals of E X E C U T I V E FORECAST: Better or worse? . . . . . . . . . . . . . . . . . . . . . . . .p. S4 the annual Community Bank Competitiveness Survey is to provide the kind of usable information that banks can tap to R E G U L A T O R Y BAROMETER: What's hurting and why . . . . . . . . . . . .p. S5 be more competitive. B R A N C H I N G TRENDS: The rush to fill holes in packed markets . . . . .p. S6 The survey, a joint project of the ABA Community Bankers Council and ABA Banking Journal, debuted in the April 1997 B R A N C H I N G STRATEGY: Not every banker cares to run a Gap store . . .p. S8 issue of the magazine, making this the tenth annual survey report. Over that span, no two surveys have been the same. B R A N C H DESIGN & CONSTRUCTION: How do you build it so they come? . . .p. S11 This year, for example, we take the closest, most detailed look yet at the re-branching phenomenon. D E P O S I T S & FUNDING: The hunt for a lendable buck . . . . . . . . . . . . .p. S13 Yet the branch is only one item in the community bank Y O U R BANK'S PEOPLE: The foundation of your bank's success . . . . . .p. S14 CEO's toolkit. We asked many things of the 533 banks $280 million assets, on average that responded. And in comparing T O D A Y ' S TECHNOLOGY: Of pyramids and payment systems . . . . . . . .p. S18 this year's tenth anniversary findings to 1997's, we see: http://www.aba.com/About+ABA/CBC.htm http://www.ababj.com http://www.aba.com/About+ABA/CBC.htm http://www.ababj.com http://www.aba.com/About+ABA/CBC.htm

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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