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. 99, No. 4, April

After the Buzz, Banks Fine-Tune RDC: Actually, There Is Still Plenty of Buzz about Remote Deposit Capture. but the Devil Is in the Details of Pricing, Selling, and Security
Platte Valley Livestock, an auction market in Gering, Neb., sits 450 miles from the nearest branch of its bank, First Dakota National Bank. It would mean a seven- or eight-hour drive to make the regular deposit of checks from the auctions, not something...
A Sell-Side Analyst Weighs In
Two things are required for public companies to provide for investors, said bank stock analyst James Schutz: 1. plenty of information, and 2. plenty of access to management. Meeting these requirements, Schutz acknowledged, will be very time consuming...
Don't Let Flood Rule Enforcement Soak You! Not Only Have Penalty Levels Shot Up, but They Also Now Involve a Different Mix of Failings
Feel like you're drowning in flood insurance regulation penalties? It's more than a feeling. Flood insurance penalties are continuing at a strong pace--or a rising tide, if you prefer. The banking regulatory agencies continue to keep pressure on banks...
End of Hierarchy? Right
AND SO NOW WE HAVE WEB 2.0. Unless you're a student of the web, you may not grasp what that means. Contributing editor Bill Orr summarizes the developments and thinking behind Web 2.0 in his article on page 53. Some of you will find his report refreshing....
Good Times, with Jitters
"IN THE '70s AND '80s THIS would be considered a boom year," said David Wyss, referring to the conflicted economy of late 2006 and the early part of 2007. The chief economist for Standard & Poor's made the comment in a keynote address at the ABA...
If Past Is Prologue, ILC Loophole Is History
AN OLD RIDDLE ASKS, "WHAT IS BROKEN when you name it?" The answer: silence. In Washington, the same might be said for loopholes. When one gets too much attention, its lifespan is often dramatically shortened. That's the fate that I hope and believe...
Leaders Assess Progress on Three Key Issues
ABA has fought many long-term battles for banking, and the credit union front serves as a textbook example. While the battle has raged for years, and is far from over, the association has scored a significant victory already: It has changed the terms...
Noninterest Income Has Peaked, for Now
There is a perception that noninterest income has started to become a larger part of bank earnings recently, but has it really? SNL Financial took a look at the noninterest income of the major-exchange traded banks to see what the numbers show. ...
Parsing the Meaning of Web 2.0
What do these current events have in common? * The news media desperately searches for a profitable way of coexisting with news and opinions written mostly by nonprofessional citizen journalists and delivered free over the internet. * The music...
Pass the Aspirin: Of "Admins" Aides, Secretaries, and Bank Office Life
Bankers and their secretaries have long been part of popular culture. Consider the old "Beverly Hillbillies" show. Wherever Jed Clampett's banker, Mr. Milburn Drysdale, went, his assistant, "Miss Jane" Hathaway wasn't far behind, often helping the...
Security Is Still a Study of the Basics
Susan Orr spent 14 years as an FDIC bank examiner, holding positions that include regional IT examination specialist, special assistant to the regional director, special assistant to the director of DSC, and special assistant to the vice-chairman....
There but for the Grace of God ... the Real Chris Gardner Holds a Packed House
Along trailer for Hollywood's The Pursuit of Happyness opened Christopher Gardner's conference-closing speech. Gardner watched with the audience as actor Will Smith portrayed scenes from Gardner's own rise from homelessness to a lucrative stock brokerage...
Tough Sell: Only a Small Handful of Banks Has Been Willing to Do What It Takes to Crack Investment Banking's Ranks. Cleveland's Two Regionals like the Challenge
It's been eight years since the Gramm-Leach-Bliley Act lifted the restrictions keeping commercial banks from directly engaging in investment banking. But other than an initial flurry of activity after the passage of the act by the largest global money...
What to Tell Those Pesky Investors
Why would anyone in their right mind want to go public? If you had sat through the convention session on "Investor Relations for community banks: talk the talk," you could be forgiven for asking that question. Comments such as, "It's not for the faint...
Why This Core Solution? They Had Their Reasons: De Novos Choose to Start on a Certain Platform, and Existing Banks Take Their Lumps and Make the Switch. Bankers Give the Back-Story
"Imagine if we wanted to start a new core processing company," says CEO Tom Stumb, Nashville Bank and Trust. "It would be easy to create a technology that blew away the competition--that is, in comparison to the task of getting a bank to agree to be...
With Visual Aids, More Is Less
I would like your opinion about the use of electronic visual aids in public speaking. Today, speakers are constantly using PowerPoint or overheads, but I do not feel comfortable with any of those things unless they are necessary. I have listened to...