ABA Banking Journal

Founded in July of 1908, ABA Banking Journal online contains the complete text of ABA Banking Journal, a monthly magazine on commercial bank operation and management published by Simmons-Boardman Publishing Corp. Articles cover employee relations, recruiting and training. Subjects in the magazine also include installment, mortgage, commercial, and industrial lending as well as correspondent, foreign, and retail banking; deposit gathering; bank cards; asset and liability management; data processing and telecommunications; security; government relations; and legal and regulatory developments. The publication also provides a calendar of ABA-sponsored courses, seminars and workshops. William W. Streeter is the Editor-in-Chief and Robert DeMarco is the Group Publisher/Senior Vice President. Steve Cocheo is the Executive Editor and Andrea Rovira is the Editorial Assistant.

Articles from Vol. 84, No. 10, October

ACORN Holds Summer Summit with Banks and Thrifts
In July, shortly before the Democratic National Convention in New York, the Association of Community Organizations for Reform Now held a "banking summit" at New York City's Columbia University. The first of its kind, the meeting was a followup to an...
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Adopt FASB's 109, ABA Urges Exam Council
In a comparatively rare request, ABA asked federal regulators in September to hold a public hearing on the regulatory treatment of deferred tax assets. At stake: a potential source of additional capital. Background. The association asked for the...
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Affordable Housing: No Easy Answers
Of the phrase "affordable housing" were a piece of luggage, the range of issues the two simple words encompass would burst the hinges. The meaning of the words "affordable housing" depends on the income, the age, the geographic location, and the...
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Amalgamated Seeks Disabled Customers
Amalgamated seeks disabled customers An accessible automated teller machine, teller counters that lower, and personal bankers trained in American Sign Language are part of one phase of serving the disabled at Amalgated Bank, Chicago. Another is...
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A Nonbank Bank with Heavy Retail Posture
Bankers understandably cast envious eyes toward nonbank financial companies that operate without the constraints of the banking statutes. These companies offer more or less everything to the public that a bank does, plus many other things besides....
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Bankers Gather at a Pivotal Time for Their Industry
Bankers going to Boston this month for the ABA Annual Convention and Banking Industry Forum, Oct. 17-20, will attend a different kind of meeting than previous conventions. ABA has redesigned the convention to reflect the influence of a traditional...
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Community Bankers Chart Industry Changes
"The more things change, the more they remain the same," seemed to sum up the thoughts of several community bankers who gathered for a roundtable discussion at ABA's Community Bankers Council summer meeting in June. For example, market forces practically...
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Community Development Lending Gains New Home at ABA
4 An urban banker Howie Hodges knows was striving to put together a mixed-use project that would help his community with new housing, new businesses, and new jobs. To say that the deal was complex would be an understatement. In the end, the project...
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Do Card Ads Still Work?
Credit card advertising among banks has to some extent dried up and blown away. Many national card issuers, including BankAmerica, Chemical, Barnett, Crestar, First Chicago, U.S. Bancorp, and Amalgamated Bank of Chicago, have run no ads since late...
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Do Your Ads Commit These Deadly Sins?
"Everybody does it" will provide your bank's advertising effort with about as much protection in court as a crepe paper vest at a gunfight. The rule of "industry practice"-- that you're safe so long as lots of other companies in your field advertise...
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FDIC Addresses Three D&O Lawsuit Issues
FDIC's professional liability lawsuits are the subject of much criticism lately. In particular, some observers accuse us of suing too many former officers and directors of failed banks. They claim that we sue, as scapegoats, former directors who...
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FDICIA Audit Requirements Move Closer to Implementation
Bankers have until mid-October to comment on an FDIC proposal that requires annual independent audits, more stringent reporting requirements, and tougher internal controls for approximately 3,000 banks. In general, the proposed requirements would...
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Giving Home Loans a Second Opinion
Back in the mid-1970s, before the Community Reinvestment Act even existed, it had become apparent that some parts of the Philadelphia area weren't getting the mortgage credit they needed. The result was a decline in the availability of decent, affordable...
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Is Internal Problem-Asset Discovery Realistic?
The asset quality problems of recent years brought to light the need for a good problem-asset discovery system. Regulatory authorities and independent auditors now insist that banks adopt some form of internal review. Problem is, self review can...
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KeyCorp Mortgage Marks First Year in Big Leagues
When KeyCorp acquired pieces of Goldome, a failed New York savings bank, from FDIC in May 1991, much of the attention paid to the deal concerned Key's innovative joint bid with First Empire State Corp. Less attention was paid to one of the pieces $23...
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Liability Concerns Shrink Pool of Directors
Not normally a major news topic, bank boards of directors lately have been much discussed in articles, speeches, and even congressional testimony. The talk mostly has been about the increased personal liability bank directors face as a result of several...
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Many, but Not All, Bankers Are Sold on FHLBS
Since the enactment of the Financial Institutions Reform, Recovery and Enforcement Act of 1989, the Federal Home Loan Bank System (FHLBS) has waged a successful effort to attract commercial bank shareholders. Yet some community banks remain wary...
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New Contenders Vie for Home-Banking Success
Finding a home banking mechanism with mass appeal-other than voice-response technology-- has eluded bankers for years. But the need for such systems is growing as generations more comfortable with remote automated banking devices replace those who...
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Round Two for Refinancing
A soft real estate market in many pans of the country has meant fewer home purchases, while home mortgage refinancing business has soared. A spokesperson for the Federal National Mortgage Association estimates that 70% of the agency's 1992 business...
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Systems Bolster Collections Work
Successful collection of delinquent payments on consumer debt, particularly in a recessionary climate, requires finding the right balance in the use of psychology and automation. Collectors-or adjusters, as they are sometimes called--are honing...
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"Tell It to 'Em Straight and Let 'Em Have Their Say." (William H. Brandon Jr.; Includes Related Article on Brandon's Family Life) (Cover Story)
It's mid-morning and things are running a little behind schedule at First National Bank of Phillips County, Helena, Ark. Bill Brandon is in his office talking with a visitor when an officer pokes his head in the door and says that the Alternative Investments...
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Two Cities. Tough Issues
ABA's incoming president Bill Brandon stopped by our offices for a visit this summer. He was attending the Democratic National Convention as an observer, and commented that he thought New York City was looking pretty good. While we agreed New York...
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William Taylor Remembered
Among agency heads and other senior officials in Washington, there are few "yup-nopes"--people who give one-word answers to questions. But there are many masters of the art of saying little with a lot of words. Former FDIC Chairman William Taylor...
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