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For many people, the end of each year brings with it a time for family and friends, holiday celebrations and hopefully a chance to take some unused vacation days. Unfortunately, this can also be one of the most challenging times of year for businesses, as the period just before the start of the New Year frequently requires completion of physical inventory counts.

Malware refers to a program that is inserted into a system, often without the user’s knowledge, with the intent of compromising the confidentiality, integrity, or availability of the user’s data, applications, or operating system.

President-Elect Donald Trump’s surprise victory last month has generated significant interest in his vision for how tax reform will help, to borrow from his campaign theme, Make America Great Again. The unexpected speed with which he is filling his cabinet, the Republican control over both the House and the Senate, and the many similarities between his plan and one proposed earlier this year by House Republicans all serve as indicators that he has the resolve and potentially the means to follow through with his vision.

Somehow we are at the end of another year that seems as if it just began. With it comes the end of time to take action that could impact your 2016 tax return. The primary purpose of this article is to summarize half a dozen moves you can make by year-end to reduce your taxes.

As part of their ongoing efforts to increase the lines of communication between regulators and auditors, the FDIC and OCC each recently held meetings with auditors to discuss current accounting and supervisory topics of concern to the regulators. BNN representatives participated in each of these sessions.

Interest rates are relatively low now, but the Federal Reserve Bank and others are predicting that interest rates may be on the rise soon. Many of our bank clients are wondering what can be done to smooth out volatility and manage interest expense in the future.