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. 90, No. 4, April

"125" Loans: A Reverse Credit Crunch
Coveted openly by a few, secretly by many, these ultra-high LTV loans have also caught the eye of the IRS It was truly like finding money in the street," John Koch, executive vice-president of Charter One Bank, says of the $75 million profit it made...
A Fight for Today, and Tomorrow
This is a difficult column to put together. As I sit down to write in early March (magazine deadlines being what they are), the state of financial legislation in Washington is in such a state of flux that things can happen to you in hours not days. But...
Bank-Broker Pay Up 20%, but Still Lags Wire Houses
Kenneth Kehrer, Ph.D., contributing editor, and president of Kenneth Kehrer Associates, Princeton, N.J. The growing success of bank retail investment programs is helping bank-based brokers earn fatter paychecks. But not as fat as their colleagues who...
Billers Will Call the Shots in Bill Presentment
By Bill Orr, contributing editor, and editor of a newsletter about banking on the Internet. Orr can be reached via email at orrbc@sover.net Until about a year ago, bankers looked at bill-payment systems only from a consumer's point of view. The value...
Could the Feds Shut You Down in 1999?
During the 1980s, the spectacle of bank closings by federal and state regulators became so commonplace that it grew uncomfortably familiar. In the healthy years since then, closings have become quite rare. But as the Year 2000 issue has moved toward...
Deadline Status: Firm
FDIC's Nick Ketcha, to put it plainly, was ticked. Speaking at a recent industry gathering, he referred to a letter sent to bank clients by an insurance provider. The letter compared many of the Year 2000 concerns to the child's tale of Chicken Little....
Goodbye to "Directors' Exams"?
The government is on the verge of quintupling one of the line items on Joe Williams' budget. The Oklahoma banker is not at all pleased with a recent proposal from the Federal Financial Institutions Examination Council that would do away with the option...
Is Compliance Y2K Compliant?
Most of the talk about Year 2000 has involved making sure your bank is in compliance with the century turnover. It's far less common for bankers to get into the impact of the Year 2000 on their bank's compliance function. ABA Banking Journal spoke to...
Is Securitization the Answer to Loan Funding?
Funding was identified as a major challenge for community banks in the ABA/ABA Banking Journal Community Bank Competitiveness Survey earlier this year. This is the first in an ongoing series of articles exploring funding alternatives for community banks....
No Strings Attached
Get wireless service at less cost than land-based lines? That's the promise of the newer wireless? ATMs, which some foresee as half of all future installations It was an NFL contract with a difference. Not a multi-million dollar deal for a football...
Product Pricing Risk
By Stanley D. Smith, Ph.D., and Larry A. Frieder, Ph.D. Dr. Smith holds the SunTrust Chair of Banking at the University of Central Florida. Dr. Frieder is the Eminent Bank Scholar Chair Professor of Financial Services at Florida A&M University. ...
Subchapter S, One Year Later
Mark Baran, ABA senior tax counsel, wrote "Should you bank on Subchapter S?" in our December 1996 issue. Almost 600 banks have made the switch to Sub S tax status, but many questions remain. Herewith, some answers Community bankers across the nation...
The Best of Times
Defying expectations and conventional paradigms low inflation and strong growth seem to be paired inseparably. I don't believe that they can coexist forever, but the combined effects of the Asian financial crisis and El Ni+/-o, overlaid on the longer-term...
Time Is Critical on Two Issues
Fans of basketball and students of political or military history would agree that in almost any contest momentum s crucial to the outcome. Momentum sometimes builds slowly, sometimes seesaws back and forth, or it can turn abruptly. In the contest between...