ABA Bank Capture Robbery Analysis

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1 - ABA Bank Capture Robbery Analysis Prepared for: Prepared by: OUTSMART CRIME

With ABA Bank Capture, bankers can: Be notified of local and national incidents in a timely manner, allowing them to take steps to protect their bank and customers.

2 About the ABA Bank Capture System The ABA Bank Capture system provides a platform for banks to report, share, and analyze bank crime data. This subscribers-only database allows banks of all sizes to share information in a secure and confidential manner to proactively prepare for and potentially prevent future events. With ABA Bank Capture, bankers can: Be notified of local and national incidents in a timely manner, allowing them to take steps to protect their bank and customers. Identify criminal activity trends and patterns. Assess the effectiveness of security controls. Utilize reports to enhance business decisions and properly allocate resources. With ABA Bank Capture, bankers will be able to track criminal activity and take steps to reduce their risks for robberies, burglaries, and ATM crime. Developed in partnership with the FBI, ABA Bank Capture is a collaborative initiative led by the American Bankers Association, an advisory board of its member bankers, and law enforcement. The technology platform behind the ABA Bank Capture system is provided and supported by the Ministry of Ideas. CAP Index provides data analytics and scheduled industry reports to ABA Bank Capture subscribers. 2

About the ABA Bank Capture Analysis QUICK FACT The results are based on analyses of 6,520 bank robberies reported by 20 financial institutions (45,022 branches).

3 About the ABA Bank Capture Analysis QUICK FACT The results are based on analyses of 6,520 bank robberies reported by 20 financial institutions (45,022 branches). CAP Index conducts quarterly analyses of the data available in the ABA Bank Capture system and shares the results with the members. It is imperative that robbery trends observed in previous assessments are studied in tandem with the results of the current analysis. The focus of this report is a high-level overview of bank robbery trends across the US in -. Extensive quality control of the data was conducted. The set of branches included in the current analysis differs from that used in the former studies. The branch list will be updated periodically to account for any site openings/closings and to ensure that banks included in the analysis supplied complete information for the study period. Disclaimer: This Report is copyrighted and is the property of the American Bankers Association (ABA). The ABA and CAP Index, Inc. (CAP) have used reasonable efforts to include accurate and complete information in this Report. The ABA and CAP make no representations or warranties that the information provided within this Report is accurate, complete, or current. The contents of this Report are the property of the ABA. Distribution of the Report is to ABA Bank Capture Members only. You may print and download portions of material from the different areas of the Report solely for your own non-commercial use. Any other copying, redistribution, retransmission, or publication of any Report material is strictly prohibited without the express written consent of the ABA. By accepting this Report, you agree not to change or delete any information included in the Report. In no event shall the ABA or CAP be liable for any special, indirect, or consequential damages or any damages whatsoever resulting from loss of use, data, or profits, whether in an action of contract, negligence, or other action, arising out of or in connection with the use or performance of documents, services, or information available from this Report. The findings presented in this Report are intended to provide a basis of understanding for the reader on the issues presented. The information is not to be construed or used as a substitute for specific legal advice and may not reflect an analysis of all relevant variables or the operational feasibility of the considerations presented. Individuals seeking legal advice for a particular problem or issue should obtain advice from an attorney of their choosing. 3

4 TEMPORAL PATTERNS 4

5 Bank Robbery by Year & Quarter Q1 Q2 Q3 Q4 n n n Bank Robbery by Year & Month Key Observations Bank robbery counts had been trending downward for many years in previous reports. Now, please note a consistent upward trend that began in Q3 when compared to the same quarter of the preceding year. Please note a 7.8% increase in bank robberies from to. The robbery count is higher for each quarter of the year. In fact, the count (2,232) reaches a level that is higher than that of (2,217). QUICK FACT The bank robbery distribution varies across day of week and time of day. Over the course of the last three years, in terms of day of week, the highest percentage of bank robberies occurred on Friday (20.2%). Over the course of the last three years, in terms of time of day, the highest percentage of bank robberies occurred between 9am and 11am (24.2%). Temporal analyses are subject to limitations due to the lack of branch open/close dates or hours of operation. For instance, Saturday could, in fact, have a higher bank robbery rate among the limited branches that are open on that day. JAN FEB MAR APR MAY JUNE JULY AUG SEPT OCT NOV DEC n n n

6 SPATIAL PATTERNS 6

Percentages of Branches Robbed in - UNITED STATES Total Branch Count: 45,022 8.9% of branches reported 1 bank robbery 2.4% of branches reported 2+ bank robberies 11.

7 Percentages of Branches Robbed in - UNITED STATES Total Branch Count: 45, % of branches reported 1 bank robbery 2.4% of branches reported 2+ bank robberies 11.3% of branches reported 1+ bank robberies QUICK FACT As population density increases, branch robbery percentages also tend to increase, while weapon display percentages tend to decrease. 7

8 Percentages of Branches Robbed in - by Region WEST Total Branch Count: 9,440! MIDWEST Total Branch Count: 7,819 1 Bank Robbery: 8.7% 2+ Bank Robberies: 2.4% 1+ Bank Robberies: 11.1% NORTHEAST Total Branch Count: 9,500 1 Bank Robbery: 9.8% 2+ Bank Robberies: 3.1% 1+ Bank Robberies: 12.9% 1 Bank Robbery: 11.2% 2+ Bank Robberies: 3.6% 1+ Bank Robberies: 14.8% SOUTH Total Branch Count: 18,262!! The highest 1+ Bank Robberies 1 Bank Robbery: 7.3% 2+ Bank Robberies: 1.5% 1+ Bank Robberies: 8.8%! The lowest 1+ Bank Robberies 8

9 - Bank Robbery Counts by Region and Year MIDWEST Total Branch Count: 7, NORTHEAST Total Branch Count: 9, WEST Total Branch Count: 9, Please note DOWNWARD and UPWARD bank robbery trends across regions. SOUTH Total Branch Count: 18,

10 Percentages of Branches Robbed in - by Division PACIFIC Total Branch Count: 6,775 1 Bank Robbery: 11.4% 2+ Bank Robberies: 3.0% 1+ Bank Robberies: 14.4% WEST NORTH CENTRAL Total Branch Count: 1,288 1 Bank Robbery: 7.8% 2+ Bank Robberies: 2.0% 1+ Bank Robberies: 9.8% EAST NORTH CENTRAL Total Branch Count: 6,531 1 Bank Robbery: 8.9% 2+ Bank Robberies: 2.4% 1+ Bank Robberies: 11.3% NEW ENGLAND Total Branch Count: 2,675 1 Bank Robbery: 8.9% 2+ Bank Robberies: 3.7% 1+ Bank Robberies: 12.6% MID-ATLANTIC Total Branch Count: 6,825 1 Bank Robbery: 10.2% 2+ Bank Robberies: 2.8% 1+ Bank Robberies: 13.0% MOUNTAIN Total Branch Count: 2,665!!! 1 Bank Robbery: 10.8% 2+ Bank Robberies: 5.2% 1+ Bank Robberies: 16.0% The highest 1+ Bank Robberies The lowest 1+ Bank Robberies WEST SOUTH CENTRAL Total Branch Count: 3,908 1 Bank Robbery: 7.7% 2+ Bank Robberies: 1.4% 1+ Bank Robberies: 9.1%! EAST SOUTH CENTRAL Total Branch Count: 3,298 1 Bank Robbery: 4.1% 2+ Bank Robberies: 0.4% 1+ Bank Robberies: 4.5% SOUTH ATLANTIC Total Branch Count: 11,056 1 Bank Robbery: 8.1% 2+ Bank Robberies: 1.7% 1+ Bank Robberies: 9.8% 10

11 - Bank Robbery Counts by Division and Year PACIFIC Total Branch Count: 6, WEST NORTH CENTRAL Total Branch Count: 1, EAST NORTH CENTRAL Total Branch Count: 6, NEW ENGLAND Total Branch Count: 2, MID-ATLANTIC Total Branch Count: 6, MOUNTAIN Total Branch Count: 2, Please note DOWNWARD and UPWARD bank robbery trends across divisions. WEST SOUTH CENTRAL Total Branch Count: 3, EAST SOUTH CENTRAL Total Branch Count: 3, SOUTH ATLANTIC Total Branch Count: 11,

METROPOLITAN STATISTICAL AREA QUICK FACT A Metropolitan Statistical Area (MSA) is a geographic entity defined by the Office of Management and Budget for use by Federal statistical agencies in

12 METROPOLITAN STATISTICAL AREA QUICK FACT A Metropolitan Statistical Area (MSA) is a geographic entity defined by the Office of Management and Budget for use by Federal statistical agencies in collecting, tabulating, and publishing Federal statistics. It contains a core urban area of 50,000 or more population. Each MSA consists of one or more counties and includes the counties containing the core urban area, as well as any adjacent counties that have a high degree of social and economic integration (as measured by commuting to work) with the urban core. (Source: United States Census Bureau) 12

13 Select Upward Bank Robbery Trends BOSTON Cambridge - Newton CHICAGO Naperville - Elgin ATLANTA Sandy Springs - Roswell CLEVELAND Elyria MIAMI Fort Lauderdale - West Palm Beach

14 Select Mixed Bank Robbery Trends NEW YORK Newark - Jersey City BALTIMORE Columbia - Towson LAS VEGAS Henderson - Paradise HOUSTON The Woodlands - Sugar Land WASHINGTON Arlington - Alexandria

15 Select Downward Bank Robbery Trends INDIANAPOLIS Carmel - Anderson SAN DIEGO Carlsbad PHOENIX Mesa-Scottsdale ORLANDO Kissimmee-Sanford

16 BANK ROBBERY & RISK OF CRIME 16

Percentages of Branches Robbed by CAP Index Risk Category 1 ROBBERY 2+ ROBBERIES n 0-99 5.21% 0.68% n 100-199 7.62% 1.47% n 200-399 10.06% 2.84% n 400-2000 12.56% 4.

17 Percentages of Branches Robbed by CAP Index Risk Category 1 ROBBERY 2+ ROBBERIES n % 0.68% n % 1.47% n % 2.84% n % 4.71% Key Observations: Branches in the CAP Index Risk Branches in the CAP Index Category are 2.4 times more likely to Risk Category are 1.9 times more likely experience a single robbery than branches to experience single robbery than in the 0-99 CAP Index Risk Category. branches in the 0-99 CAP Index Risk Category. Branches in the CAP Index Risk Category are 6.9 times more likely to Branches experience in the two or more CAP robberies Index than Risk branches Category in are the times CAP more Index likely Risk to Category. experience two robberies than branches in the 0-99 CAP Index Risk Category. QUICK FACT Median robbery loss consistently decreases as the CAP Index Risk Category increases. Take Over robberies also decrease as the CAP Index Risk Category increases, which could partially explain the trend. Total branch count by CAP Index Risk Category 10,825 9,970 14,816 9,411 17

18 Notes: 18

19 About the American Bankers Association Founded in 1875, the American Bankers Association (ABA) represents banks of all sizes and charters and is the voice for the nation s $13 trillion banking industry and its 2 million employees. ABA marshals the talent, energy, and perspectives of its members to bring about positive change. Through an effective collaboration between ABA members and staff, we combine experience and insights, in-depth expertise, unmatched resources, and extensive products and resources to make our members more successful. When banks are strong and healthy, their communities and customers thrive. About the Ministry of Ideas The Ministry of Ideas is an experienced consultancyled software company with offices in the UK, USA and a development studio in Poland. We are a leading provider of web-based and innovative case management, audit, data visualization, analytics, and reporting solutions to the retail and FMCG industries. Ministry of Ideas are pioneers in developing intelligent business applications, optimized for touch and mobile devices. Our software solutions form the modular ProInform suite of advanced business applications. Ministry of Ideas helps forward thinking organizations to realize all the benefits of being a connected business in the 21st century with platform-independent and intelligent web-based solutions that really make a difference to their productivity and add to the bottom line through intelligent targeting of issues. For more information about the ABA, please contact: Kelly Tyson Project Manager, Center for Payments and Cybersecurity ktyson@aba.com For more information about the Ministry of Ideas, please contact: Cathy Minz Project Manager, ABA Bank Capture cathy@theministryofideas.com

About CAP Index For nearly 30 years, CAP Index has been the leader in crime risk forecasting, serving over 80% of the Fortune 100.

We help security, loss prevention, and risk management professionals objectively measure, thoroughly analyze, and proactively manage their crime risks. Let CAP Index help you Outsmart Crime.

com 267-506-6237 For more information about CAP Index, please contact: Steve Longo Vice President, Strategic Initiatives sbl@capindex.

20 About CAP Index For nearly 30 years, CAP Index has been the leader in crime risk forecasting, serving over 80% of the Fortune 100. Today more than 5,000 businesses and government agencies use our CRIMECAST Maps and Reports, analytics, and tools to help optimize resources, limit exposure, and minimize losses. We help security, loss prevention, and risk management professionals objectively measure, thoroughly analyze, and proactively manage their crime risks. Let CAP Index help you Outsmart Crime. For more information about this analysis, please contact: Basia Pietrawska Vice President, Crime Intelligence Analysis For more information about CAP Index, please contact: Steve Longo Vice President, Strategic Initiatives About the Federal Bureau of Investigation (FBI) An intel-driven national security and law enforcement agency, providing leadership and making a difference for more than a century. Our mission is to help protect you, your children, your communities, and your businesses from the most dangerous threats facing our nation from international and domestic terrorists to spies on U.S. soil from cyber villains to corrupt government officials from mobsters to violent street gangs from child predators to serial killers. Along the way, we help defend and uphold our nation s economy, physical and electronic infrastructure, and democracy. Learn more about how we have evolved into a more proactive, threat-driven security agency in recent years. For more information about the FBI, please contact: Michael Pinto Supervisory Special Agent Michael.Pinto@ic.fbi.gov

Trends in Total and Out-of- Pocket Spending in Metro Areas:

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