ABA Banking Journal Community Bank Competetiveness Survey 2006 - (Page 6)

CompeteSurvey 02_06 copy 1/26/06 3:43 PM Page S6 71.4% say the Northeast is overbranched Which best describes the level of branching in the last few years in your primary market? Overbranched 60.1% Seen no sign of a shakeout How has the level of branching been in your market 87.9% over the past year?* About right 37.6% Under Higher Full-service, branched 58.8% traditional branches Seen signs 2.3% dominated the mix of a shakeout in most markets. Regional Over 12.1% But in urban areas, Trend branched Stable 11.8% of branches Northeast 71.4% were full-service, 40.8% Central 67.3 No expectations nontraditional-style Lower Midwest 57.6 of a shakeout branches. within a year 0.4% Southeast 55.6 Southwest 55.4 81% Aggressive branching is clearly an urban/suburban trend. West 53.6 Farm banks 33.8% and rural banks 33.7% didn't report higher branching levels nearly as often. * Respondents were asked to count nonbank depository institution branching as well. Expect a shakeout Exhibit 7 within a year 19% Exhibit 8 Exhibit 9 Branching trends Do you think the use of item capture by retail businesses will reduce the need for branches as places to make deposits? The rush to fill holes in packed markets Not sure B one is doing. But nearly as many re- ranch is such a workaday word. 49.2% spondents see the charts above feel We all know what it means, so their markets are overbranched. Yet we give no further thought to it No there seems to be no stopping things. at all. If we happen to be in a philo- 37.5% Things were very different when this sophic mood, we might think about Yes 13.2% survey debuted in 1997. At the time, how trees branch, up and outward. web-based banking was just begin- But the roots no pun intended of Of those saying yes nine out of ten , ning. As the new thing, it was being branch lie not in the arboreal. In Late expected a change in branch function, hailed as a branch replacement. In re- Latin, the word branca, from which rather than outright closure. cent years, this survey has established branch comes, meant, of all things, that the branch is not a dead channel, paw. Which is interesting, because paws are the hands of the animal but is undergoing a renaissance. world, and branches are certainly how The challenge for community today's banker reaches out. bankers is two-fold, as summarized by This should give an aggressively survey committee member John Eiler- branching banker pause pun intend- ing, president and CEO, Mount ed . A paw can hold its prey, but a paw Prospect National Bank, Ill.: can also be a clumsy mechanism, lack- We need to work diligently on mak- ing fingers. A well-sited, well-con- ing it easier and safer for customers to ceived branch can be a lock on a mar- use financial technology, while at the ket, while an also ran can be an in- same time maintaining close personal effectual attempt to grow. relationships with our bankers. Our ex- Seven out of ten banks have opened perience indicates that customers want or revamped at least one branch over the best in technology, but also want a the last five years, so you can say that relationship with their bankers in the branching is something nearly every- traditional manner. S6 MARCH 2006/ABA BANKING JOURNAL Competitiveness Survey 2006 http://www.ababj.com/photopost/photohome.html http://www.ababj.com/features/toomanybranches.pdf http://www.mpnb.com http://www.mpnb.com

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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