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. 6, June

ABAnewsletter
Give us your best shot ABA's Education Foundation is sponsoring a photo contest to celebrate its 75th anniversary and its alliance with America's Promise. Banks are invited to submit photos of their employees in action in community service -- volunteering...
Ag Bank/farmer Team Can Beat "BIG AG"
Key is rethinking the bank's role By the time Professor Harold Hill, of the classic musical "The Music Man," has convinced anxious Iowans that what they really need to fight trouble in River City is a boys' band, he has already demonstrated the...
Banking's Top Performers
Banks get little respect from the market, but the best of the big banks posted impressive returns on equity, despite shrinking net interest margins The stage was set for outstanding performance across the banking industry in 1999, and the industry...
Bank/retailer Partnerships Sprout in Bank Lobbies
Citizens Security Bank & Trust, Bixby, Okla., displays pickup trucks and other big-ticket items under its roof. An Oregon bank shares space with a Post Office. A Wisconsin credit union co-markets with an adjacent bookstore. Steadily, these and...
Better Defining Your Risk Profile
When it comes to assessing operational risk, there are generally two schools of thought on how to get the best results. The first, often referred to as the "direct report" approach, involves use of traditional audits and inspections. A team evaluates...
Change Your Branches to "Physical Portals"
Want to know where branch banking is going? Wherever you happen to be. Pervasive computing, the Internet, and the costliness of physical branch transactions have been leading the industry on an unrelenting march toward the goal of providing convenience...
Commercial Loan Site Links Lenders and Borrowers-In Real Time
With its comical name and cut-to-the chase business model, Oinke--an auction website for securing real estate and commercial loans--is streamlining the business lending process. Less than six months out of the gate, Oinke (pronounced "oinky"), already...
Damned If You Lend, Damned If You Don't
After 25 years of criticism for not lending enough to minorities and the poor, creditors suddenly find themselves in trouble for lending too much. Scanning news headlines, one finds the term "predatory lending" everywhere. These are harbingers of...
Financial Holding Companies Debut- and They're Not All Giants
Among community banking institutions, $387 million-assets Umpqua Holdings Corp. has long been known as an innovative bank--though it hasn't been fond of the word "bank." "We view ourselves as a marketing company that just happens to sell financial...
Ill Wind Blows Good-And Bad-For Clarkfield
CLARKFIELD, MINN.--Through early May, area farmers still had their fingers crossed. As they planted their corn, and then their soybeans, drought conditions continued, with unusually hot weather roasting the area into the May 6 weekend. And then,...
Managing E-Mail and Webchat-It's Becoming Every Bank's Virtual Point of Pain
Whether you're a dot-com de nova or an established big bank with a transactional website, you've likely felt the same pain when it comes to customer service. The pain comes from volumes of customer e-mail that's snaking its way into your organization...
Put Your Name on a Ballpark?
Marketers Love sports tie-ins. They've bought radio and TV ad spots during broadcasts of professional sports games for generations. Also billboards at stadiums and naming rights for golf championships and long-distance runs. Bank marketers are no different...
Reaching 2,000 Banks of Promise!
As the ABA Banking Journal goes to press, the banking industry is within a dozen or so banks of reaching our goal to enlist 2,000 "Banks of Promise" in the America's Promise crusade. By the time you read this, I have every expectation that the ABA...
The Merger Alternative: How Partnering Can Help You Survive
Mortgage lenders have always found ways to expand growth and cut costs through profitable alliances. Exclusive connections with real estate ventures and title companies or special relationships with law firms to close loans are common. But now the...
Tough Act to Follow
Bank of New York creates its own tough act through smart tech spending and revenue growth If there's one truism in banking today, it's this: There is no fail-safe formula for success. As our cover story demonstrates, this year's top performers are...
Visual Aids: How Much Is Too Much?
The presentation was held at a large conference venue in late 1999. Hundreds of banking and insurance executives had assembled to hear a popular academic talk about what the next five years meant for their industry. "An Exciting, Multi-Media program...
Website Advertising -- Compliance Considerations
Bank web sites range from the relatively simple--those that merely provide information--to the very complex--those that enable the bank to conduct transactions with customers through the Internet. But whether simple or complex, virtually all bank...
What to Do about Disappearing Treasuries
Bankers have come to depend on U.S. Treasury bills, notes, and bonds for several important functions. They play an essential role in banks' investing and hedging activities, for one thing. For another, Treasury yields are used as reference rates for...
Without an Ante, There There's No Game
The results of some extensive reader research we did recently have suggested some significant changes to this publication, which we're now working on. Some will appear beginning with the August issue, with others following soon after. The changes...
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