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. 9, September

Card Associations Weigh Co-Branding Merits
Despite the fact that many of the same banks are owner/members of both Visa U.S.A. and MasterCard International, the two national bank card organizations remain fierce competitors for card-based transaction volume share. What's more intriguing, though,...
Card Profits: How Far Will They Slide? Bank Cards Are Still Profitable, but Bankruptcy Filings and Competition Are Changing the Rules of the Game
The most sought-after bankers in coming years may be those with a formula for keeping bank card profitability from slipping below a 15% return on equity (ROE) by the end of the decade. By some estimates, bank card profitability fell by more than 10%...
Constructive Comment Letters Can Ease Regulatory Burden
Over the last several years banks have experienced a significant increase in the number of regulations impacting their activities, resulting from numerous new laws enacted by Congress. The FDIC Improvement Act of 1991 (FDICIA), the most recent example,...
FDICIA Spawns Broad Capital Concerns
While it has become a virtual cliche that "capital is king" under the FDIC Improvement Act, just how weighty that crown will be is becoming increasingly apparent as federal banking regulators issue rule after rule mandated by the law. Regulators...
First-Half Earnings Up for Most Community Banks
It's hardly news by now that the first half of 1992 was, by almost any measure, a remarkable one for most banks. What hasn't been covered in the business press is how community banks fared during this period. Based on the results of our semiannual...
How Seven Banks Serve Low-Income Markets
"The test of our progress is not whether we add more to the abundance of those who have much; it is whether we provide enough for those who have too little," said Franklin Delano Roosevelt in his second inaugural address in 1937. Inner-city ills,...
How to Overcome Annuity Anxiety
One out of every four banks sells annuities, by some estimates. Half the banks with more than $750 million in deposits, a third of the banks with $200 to $750 million deposits, and 15% of banks with less than $200 million in deposits sell the product,...
Navigating the Maze of Reg O
The FDIC Improvement Act substantially expanded the coverage of insider lending restrictions--and made the rules more complex. An ABA expert clears up some of the confusion If insider lending rules resembled a two-dimensional maze before passage...
Regional Networks Drive Debit Growth
The stage is set for greater use of debit cards at the point of sale. Regional ATM networks are playing a starring role For nearly two decades, bankers and their customers have flirted with the notion of replacing check writing in retail outlets...
Supermarket Branch Generates Loans
Some bank branches located in supermarkets have done a good job in gathering deposits, but not such a good job in producing loans. But since it opened a supermarket branch earlier this year, $82 million-asset First National Bank, Oblong, Ill., has...
Technology: Ally or Enemy of Customer Service?
There's a fine line between automation's ability to improve service and to diminish it. The personal touch is still critical, a panel concludes Is an ATM convenient or impersonal? Does a voice-response system improve customer service or hurt it?...
Truth in Savings Nears. Are You Ready?
If reading this article is the first thought you've given to the Truth in Savings Act, don't stop reading. The final version of the Federal Reserve's new Regulation DD, implementing the new law, was expected to come out Sept. 19 and compliance is...
Underwhelmed by Underwriting: Dauphin Deposit Corp.'s Section 20 Subsidiary Prefers Steady Profits over Occassional Glamour
Would you rather eat three square meals a day or periodically gorge yourself at a banquet? When it comes to the securities business, Robert L. Fryer, Jr., prefers eating regularly. And, subject to legal restrictions, it matters little to Fryer whether...
Unflattering Reflections
Ever find yourself in a room with mirrors on each side of you as well as in front? Unnerving, isn't it? There you are thinking you have a pretty firm jaw line, and you catch a glimpse of this pathetic-looking creature with double chin and slouching...
Visa's Payment Network Girds for Growth
Anticipating dramatic growth in the volume of electronic payment transactions during the 1990s, Visa U.S.A. launched a restructuring of its electronic payment processing network last year. Today, Visa is putting the finishing touches on VisaNet 2000,...
When Environmental Due Diligence Enters "Phase II." (Environmental Site Assessments for Bank Loans; Includes Related Article on Fleet Bank-Rhode Island)
To insulate themselves from potential environmental liabilities, commercial lenders regularly require "phase I" and "phase II" environmental site assessments prior to financing. The need for such caution continues, in spite of the federal Environmental...