The Headache: Bank boards are busier than ever, more is expected of them, and this is only going to get tougher.

Our Question: What is your bank doing to streamline things in the boardroom?

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The Headache: There is more to do for bankers than there is time to do it. And yet procrastination, the thief of time, raises its ugly head.

Our Question: How do you personally avoid procrastination? How do you keep it from infecting your staff?

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The Headache: Today's economics demand squeezing ever more productivity from yourself and from your bank's staff.

Our Question: What are you doing to improve productivity and efficiency?

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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?

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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?

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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?

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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?

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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?

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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? 

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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? 

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