I have two questions for anyone using ITI.

1. Do you have your commercial or small business loans on ITI? Do you ever have loans with a split rating (some part substandard and a part doubtful)? If so, how do you monitor...will ITI handle that split rating for you or do you track manually.

2. Regarding CTR monitoring and reporting (as well as anti-money laundering/BSA)....are your branch deposits batched and does it come through on the CTS reports as batched, making it difficult to tell if a customer has gone to several branches on the same day structuring deposits?

I can tell you what our bank does on your 1st question. As of now, ITI can't handle a split rating on a note so we handle them manually. Fortunately we are a smaller bank (90MM). Our banks watch list is in an excel spread and that's where I show if there are split ratings. Our bank is a beta site (test site) for the new ITI release and it looks like in the new enhancements that we will be able to split out ratings for a note. We haven't tested that yet but at least it looks like ITI is working on something for us.

Kblanchard, in reference to your second question, we are an ITI bank and the report I use for CTR monitoring and money laundering lists all deposits and withdrawals individually grouped by TIN number. I can tell which branches transactions were handled through because the branch number is built into the Teller's GL number.