December 2009

Is your bank CEO actively involved in the day-to-day operations of the bank? (101 responses)

      80%   Yes, most of the time

        6%   Yes, about half of the time

        6%   Yes, less than half of the time

        8%   No, not at all

Does your institution utilize a call center? (104 responses)

      45%   Yes, in-bound calls only

        6%   Yes, out-bound calls only

        4%   Yes, both in-bound and out-bound calls

      45%   No, not at this time

Do you plan to take any vacation days between Dec. 21 and Dec. 31? (79 responses)

      37%   No

        8%   Yes, 1 day

      21%   Yes, 2 days

        8%   Yes, 3 days

      26%   Yes, 4 or more days

Who manages your institution’s whistleblower program? (49 responses)

      14%   Audit manager

      10%   Compliance officer

      14%   Human resources director

      12%   Other

      20%   N/A – third-party company manages whistleblower program

      30%   N/A – no whistleblower program

November 2009

Does your institution have a policy requiring employees to be out of the bank for at least five consecutive days? (98 responses)

   66%   Yes    

   33%   No

     1%   No, but considering it

Does your institution have a dedicated compliance trainer? (58 responses)

     9%   Yes

   52%   No dedicated compliance trainer – this training conducted by compliance officer

     3%   No dedicated compliance trainer – this training conducted by director of training

   24%   No dedicated compliance trainer – this training conducted by other staff member

   12%   No – compliance training is outsourced

Who does your institution’s fraud/security officer report to? (50 responses)

   14%   Board of directors

   54%   President and/or CEO

     6%   Human resources director

   24%   Other

     2%   N/A – no fraud/security officer

Is your institution sponsoring or helping with a Thanksgiving food drive or other community activity to help feed people/families in need? (154 responses)

     5%   Yes, Thanksgiving event

   90%   No Thanksgiving event, but do assist with other food projects for the needy

     5%   No

October 2009

When does your institution consider an Internet banking account inactive? (29 responses)

     21%    After one year or more of inactivity

     17%    After 180 days to one year of inactivity

     34%    After 90-179 days of inactivity

     25%    After 60-89 days of inactivity

       3%    Period less than 60 days

       0%    N/A – no Internet banking available

Does your institution have any ATMs that accept deposits? (70 responses)

     31%    Yes, all

     49%    Yes, some

     20%    No

Do your branch managers serve as officers of the bank? (53 responses)

     53%    Yes, all

     36%    Yes, some

     11%    No

What is your institution’s highest annual limit for employee tuition reimbursement? (32 responses)

    16%      $5,000 or more

    13%      $3,000 to $4,999

    50%      $1,000 to $2,999

    5%       Less than $1,000

    16%      No tuition reimbursement currently available

Does your institution permit the hiring of relatives of employees? (66 responses)

     45%    Yes, relatives may be hired

       8%    Yes, except for spouses, who may not be hired

     44%    Yes, under restricted circumstances (i.e. distant relatives; temporary or part-time positions; work in separate divisions)

       3%    No

September 2009

Does your institution utilize commercial loan applications? (27 responses)

     48%    Yes, consistently

     26%    Yes, sometimes

     26%    No

What percentage of your institution’s upper management workforce is female? (82 responses)

       5%    75-100%

     10%    50-74%

     20%    25-49%

     65%    0-24%

Does your institution offer in-house, fixed-rate mortgages? (43 responses)

     56%    Yes

     44%    No

Does your institution compare purchasers of repossessed vehicles to the OFAC list before completing the sale? (31 responses)

     19%    Yes

     58%    No

     23%    N/A – vehicles sold through third party

August 2009

Which of the following social networking options is your institution currently using or plan to use within the next six months? (Please check all that apply.) (61 responses)

     16%    Facebook

       7%    Twitter

       3%    LinkedIn

       3%    MySpace

       0%    Other

     71%    N/A – no social networking or plans to implement within six months

Within which department does your institution’s BSA officer work? (60 responses)

     33%    Compliance

       0%    Human resources

       3%    Information technology

       3%    Legal

     25%    Operations

       7%    Retail

       3%    Risk management

       3%    Security

     15%    Combination of one or more of the above

       8%    Other

Does your institution require employees who are provided with a work cell phone or an allowance for cell phone usage to publish the cell phone number on their business cards? (51 responses)

     33%    Yes

     45%    No

     22%    N/A – no cells phones or cell phone allowance provided

Are employees permitted to send or receive text messages in some area of bank premises? (45 responses)

     49%    Yes, all employees

     22%    Yes, some employees

     29%    No