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. 97, No. 2, February

BSA: What You Think You Know Could Hurt You
Banks and other organizations file, on average, 27,000 suspicious activity reports monthly. That average continues to rise, especially as companies "defensively file" SARs to avoid regulatory criticism, and also because causes for filing continue to...
Duty Need Not Be Blind
"TO DO TODAY THE DULL commonplace task which you did twice yesterday, as though your country lived by it, is the root of duty." That paraphrased quotation, from The Three Gentlemen by A.E.W. Mason, sums up in many ways the efforts of people in business,...
How Long Can We Depend on Foreign Investors?
THE UNITED STATES IS LIKELY to run a current account deficit this year of around $700 billion. This means that we have to attract nearly $2 billion of foreign capital each day. How we got here. The ongoing general health of the U.S. economy has...
How One Bank Tackles BSA Issues Head On: A Southern BHC Decided Not to Abandon Its Relationships with Money Services Businesses
Many bank compliance duties center around retail customers. But Bank Secrecy Act, anti-money laundering and Patriot Act compliance is a very different responsibility, as $2.5 billion Capitol City Bank Group, Inc., Tallahassee, Fla., has been learning...
How's Your Bits for the Bucks Ratio? Some Community Bankers Find Their Tech Partners Way Ahead of Them, While Others Fret That Their Vendors Don't Move Fast Enough
How much of the software running in your bank is using that little-heard-of, but too-often-relied-on operating system: "Stealth DOS"? There's really no such program, of course. But there are programs peddled to banks that are nothing more than gussied-up...
In Search of High Net Worth Heaven: Today's Leading Practitioners Have Learned to Ace Modern Portfolio Management Theory. Here Three Standouts in the Field Are Profiled-And Asked about Achieving Excellence
If high net worth heaven were a place, stands to reason it would be a place of perfection--like all things heavenly. Certainly, here on earth, high net worth clients demand as close to perfection as possible when it comes to handling their wealth....
IP Call Centers: Coming Online Slowly but Surely: Especially for Small to Midsize Firms, Options Begin to Emerge for Banks
Strictly speaking, voice over IP (VoIP) isn't new, or even recent, having been a viable commercial alternative to traditional telephony since about 2000. But the uptake of this impressive, even ethereal technology--one that turns everything to digital...
Lending as Miracle Medicine
I spent part of the summer before last building thatched livestock sheds in leprosy colonies in southern India--and pondering the transformational power of credit. My 16-year-old daughter and I volunteered with Rising Star Outreach, an Atlanta charity...
"Pass the Aspirin"
THE HEADACHE "Your administrative assistant informs you of a rumor floating around the bank that is affecting productivity. The bottom line is that this rumor has resulted in at least several key employees working at odds with each other, or, at...
Publicly Traded Community Banks
There are roughly 1,250 publicly traded banks that are headquartered in the U.S. Of this, more than half fall into the community bank category, which SNL Financial broadly defines as those banks and thrifts with fewer than $500 million in assets. ...
Robberies Are Up, Robberies Are Down. Why Is Anyone's Guess
A recent Massachusetts bank robber did not require the latest anti-theft technology: computer chips in cash sacks that use global positioning satellite (GPS) sensors to track thieves right to their door. In a twisted, modern version of the Hansel and...
Sleight of Mind
The first three correct solutions to our "Wellesley's Dog" puzzle were received as follows: 1. H. Clay Hawkins IV, president, Claremont Savings Bank, Claremont, N.H., 2. Daniel B. Theriault, IT manager/compliance officer, South Pointe Bank, Carbondale,...
Social Security's Easy Fix
NOW THAT I HAVE YOUR ATTENTION.... there is no easy fix for Social Security. No silver bullet or miracle accounting will painlessly fix the problem posed by our 70-year-old national retirement system. But you knew that. There are some people who...
The New Survival Skills: In an Unforgiving Environment, Discerning Customer Outreach and Deposit Pricing Strategies Take on Increased Significance
While strong markets are treasured for the growth they provide, there's also a huge benefit (or managers. It is far easier to set a course of action and rally the troops at times when opportunities abound and broad initiatives work quite well. The...
The Out-of-Date G8
Amongst Herman Kahn's many insights was a basic technique that remains an essential part of my analytical toolbox. It offers a valuable lesson on viewing the future environment. Most decision-makers suffer from the 'tyranny of received wisdom'--their...
The Semantic Web: It's the Latest Version of the World Wide Web. It Can 'Connect the Dots' between Data Points in Any Application in Any Language at Any Website-And Help You Create Knowledge out of Those Connections. and It's Coming to an Enterprise near You
In December, internet technology elites from around the world gathered in Boston's Fairmont Copley Hotel to celebrate the tenth anniversary of the World Wide Web Consortium (W3C). This is the organization that has guided the growth of the world wide...
Valuing Every Contact to Drive Performance Excellence
For about a decade the banking industry has contemplated the merits, difficulties and rewards of Customer Relationship Management (CRM) aimed at consumer and small business retail portfolios. Massive databases, technology investments and process expenditures...
Walking the Walk: Austin Roberts of Virginia Chairs ABA's Community Bankers Council as It Takes on the Regulatory Burden, Credit Unions, and More. Get to Know a Staunch Advocate for Community Banks
The Northern Neck of Virginia is one of those areas that tends to keep its best face to itself. You can drive through parts of it without anything standing out. You'll see a few classical main-street type towns, expanses of wooded country, a bit...
Why Most Cross-Selling Efforts Flop: And Seven Ways to Turn Disappointment into Success
Since the late 1980s, cross-selling has been the holy grail of large banks, particularly in the retail area, and in recent years, banks of all sizes have rallied around cross-selling pursuits. Early efforts focused on somewhat indiscriminate product...
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