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. 92, No. 2, February

ABA Newsletter
Leveraging modernization for new profits A new ABA Center for Securities, Trust, and Investments will help member banks take advantage of expanded product opportunities under financial modernization. Veteran staffer Sarah A. Miller will serve as...
Automation Makes Gradual Inroads in Commercial Lending
With so much focus these days on online banking and electronic commerce, it can be easy to overlook the many other less visible automation initiatives. In an effort to quantify automation efforts in commercial lending and wholesale operations, the...
Banking and Brokerage-Anytime, Anywhere
As anyone who's watching trends already knows, talk of going wireless is the next wave of remote banking beginning to get serious consideration from the industry. (See the Webnotes department on p.60). In fact, proponents of the technology say,...
Credit Origination for the Net Age
Want to usher your home equity, auto, or mortgage loan processing into the Internet era? Instead of merely adding web pages that link to the legacy system so that, essentially, e-mails are received by the back office for standard processing, consider...
CREDIT PICTURE: Reality Checks and Credit Checks
How can a community banker sleep at night without having the sneaking suspicion that a brand-new competitor is lurking under the bed, in the depths of the clothes closet, or in the back yard? State Farm and the other unitary thrifts that made it past...
E-Banking Leader, S1, Targets Wireless, Aggregator Markets
James S. "Chip" Mahan III surely qualifies as poster boy for the Internet world's maxim that the biggest payoffs go to firms that get onto the field first and keep on running as fast as they can. As CEO of Security First Technologies (now simply S1...
Fault-Tolerant Computing Yields Non-Stop Action
Stratus Computer, Marlboro, Mass., has built its reputation supplying "pair and spare" fault-tolerant UNIX and VOS servers for applications that include running ATM networks, core banking systems, or trading systems. Designed on UNIX equipment,...
Fraud Reasserts Itself
"Flipping" and an increasing variety of other mortgage scams are on the rise, but better solutions are also becoming available Just when the number of mortgage lending applications has fallen from recent record highs, lenders now are faced by another...
FUNDING PICTURE: An Evolving Tapestry
Last year's Gramm-Leach-Bliley Act put the last nail in the coffin of banking's traditional intermediation model. By expanding the utility of the Federal Home Loan Bank System far beyond its traditional bailiwick of mortgages, and further liberalizing...
GMO Issue Rolls On
Five or so years back, Farmers & Merchants State Bank of Clarkfield, Minn., adopted a stalk of wheat and the initials F&M as its logo. Wheat, once a major crop in Yellow Medicine County, Minn., had long been displaced by corn and beans, but...
He Hit the Books, and Put Down Roots
ABA Community Bankers Council leader Dan Krieger came to Ames, Iowa, for an education at Iowa State. He got it--and a distinguished career and a new home in the bargain Few people would associate the term "corporate culture" with community banks....
INCOME PICTURE: Will the New Banking Law Change the Traditional Mix?
The good news on the income front in this year's survey is that community banks' noninterest income, as a percentage of total income, is generally as good as or better than it was in last year's survey. Exhibit 39 shows both the national trend and...
INSIDE THE EXECUTIVE SUITE: Is a Management Succession Gap Coming?
Who will be the leaders of the nation's community banks in the first decade of the 2000s? Very likely, the same men and women who run those banks today. And maybe, just maybe, even in the "Age of Raging Change," that's just the generation that should...
Insurance Aftermath
For banks in insurance, Gramm-Leach-Bliley was a big win, for a lot of small reasons. Three bankers consider the new legal landscape, privacy issues, and the impact of e-commerce ABA's chief lobbyist characterized the new financial modernization...
Labor Productivity Growth: Miracle or Mirage?
The recent acceleration in labor productivity growth (measured as output per hour) has inspired talk of a "productivity miracle." One benefit of faster productivity growth has been a sizable jump in inflation-adjusted wages. Productivity growth...
PERFORMANCE PICTURE: Avoiding Efficiency as a Religion
Wherever two or more community bankers gather, it is inevitable that numbers will be compared. It's the business equivalent of checking the box scores. Bankers have long debated what numbers are the most important to look at. Many factors influence...
PERSONNELLY SPEAKING: Of Body Counts and Body Keeping
During a break at a seminar, a Pennsylvania bank CEO was bemoaning the new mall that had opened at the edge of his town. He wasn't complaining about the mall pulling retail business away from Main Street. No, what had him singing the blues was the...
SALES CULTURE: A Long Way to Go
Too many banks want to be financial supermarkets with what is often a convenience store clientele. Or, to put it another way, until they can routinely sell customers more than one or two products, dreams of the financial supermarket are futile. ...
Strategy Is the Easy Part
Yuca, a restaurant in tne trendy South Beach section of Miami Beach, was the site of a dinner party hosted by Robert Hall and Evangelos Simoudis of Customer Analytics a few weeks ago. About 18 people, mainly bankers and employees of Customer Analytics,...
The Heart and Soul of Banking
Nothing makes me prouder to be a banker than the level of commitment our industry has shown to General Colin Powell and his "America's Promise" youth movement. In barely a year's time, nearly 1,800 institutions - community, regional and nationwide...
Welcome to the Age of Raging Change
The 2000s promise all the fun and excitement of the 1990s, plus the likelihood that the economy will slow down, plus the changes wrought for the industry by the Gramm-Leach-Bliley Act. Add it all up and you've got the makings of a gutbuster ride. ...
Who's in Charge?
The dot-coms vs. the banks Citigroup e-banker Josh Grotstein posed an interesting pair of questions at a recent banking conference: "What is the role of the trusted third party?" and "Will banks cede that role to software integrators?" Grotstein...
Why Dedicated Retention Efforts Often Fail
In debunking six retention myths, the author offers a better way to build a true customer relationship, in which both parties find value Bank customer retention is up a bit. Or down a bit. Maybe it's holding steady. The answer changes with the study...
YOU AND YOUR BANK ON THE NET: The Next Generation and the "Nyet" Generation
The fencesitters have jumped off the fence, either deciding to finally acknowledge that the World Wide Web is going to have to be part of their strategy, or making it quite clear that the web just doesn't fit their bank, and likely never will. This...
Your Bank Is Unique
And like all banks, it's under siege. For your bank to perform effectively and survive, you need in-depth information and quality, proven solutions that meet your unique objectives, culture, and market. Omega Performance is pleased to provide you...
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