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. 88, No. 10, October

ABA Actions
ABA's been up to much more than just fighting the BIF/SAIF/FICO fight. Here's a summary of recent activity. ABA.' * Provided detailed input to the Federal Reserve on amendments proposed to Regulation E, dealing with stored value cards. * Told...
Adios, Iowa
Nell Milner has bid Iowa a sad good-bye and set his sights on the nation's capital. The former executive vice-president and CEO of the Iowa Bankers Association became president and CEO of the Conference of State Bank Supervisors on Oct. 1. CSBS...
Back-Door-Market-Value Proposal Aired
Grab a sharp pencil quickly to comment on the following accounting controversy before the Oct. 11 deadline. Prior to the finalization of the Financial Accounting Standards Board's Statement 115, backers of market-value accounting for banks had pushed...
Banking on Art
In Arroyo Grande, California, the unlikely "marriage" of banking and art has created a mutually rewarding relationship for both banker and artist, and provided an important link between bank customers and their community. Two years ago, Mid-State...
Beyond Paychecks: Executive Compensation
In the face of restrictions on executive compensation, banks are using "SERPs" and other types of non-traditional deferred compensation to hold onto and recruit top managers You might not think so given the rash of mergers acquisitions and the wave...
Bye-Bye, Pillars. Hello Glass
National City Bank's new headquarters bypasses tradition and takes a leap into the future with glass walls, teller "islands," and innovative technology In search of a hipper location and a new image to match, National City Bank, Minneapolis, decided...
California Mortgage Bank Reaches Latest Settlement with Justice
After four months of quiet from the federal government, an early September settlement reached between the Department of Justice and a Long Beach, Calif., subprime lender has broken new ground on several fronts in the fair-lending debate: age and gender...
Can the Three BS of Mortgages Be Made to Work for You?
With dramatic changes taking place at an ever-increasing pace in the mortgage banking industry, traditional rules of operation have been turned on their heads. Everyone involved in the industry has been challenged to find clues and tools for survival....
Consumer Finance: Watch the Ripple Effects
The U.S. expansion, now five and a half years old, is beginning to look a little long in the tooth. Still, fears of recession have subsided. Banks and their business customers are too busy trying to find workers to fill key positions. Indeed, anxiety...
Dream Merchant
Search high and low and chances are you still won't find a person who loves mortgage banking as much as Sharon Decker. In fact, the vice-president of PNC Mortgage Corporation of America, Louisville, Ky., is downright religions when it comes to her...
Eavesdropping on Bank Call Centers
How do U.S. bank call-centers compare with one another? To answer this question, ABA embarked on a ten-month research study of U.S. bank call centers from coast to coast. Its partner was FTR, Inc., a consultant to financial institutions with a focus...
Final Flood Regs Effective Oct. 1
If you've been anxiously awaiting the dropping of the other shoe on flood insurance compliance, wait no more. Regulators finalized the rules in August and most aspects of the regs went into effect Oct. 1. For the most part the final version follows...
First, Build a Marketing Plan
Gear the plan to your bank's strengths and personality. Seminars and a sales calendar can help implement the plan The insurance sales image created by a bank will affect all of its profit centers. Considering the ramifications, a bank's basic approach...
Here Comes Walter Dods
Walter Dods keeps a dog outside his office. Not a live dog, but a modest-sized sculpture of one that the bank purchased from a local artist. The vaguely oriental-looking animal wears a curious expression. It almost seems to be smiling, yet the look...
Managing Risk When You're Reinventing the Bank
Strategy shifts and a new work behavior are redefining risk, which demands new ways of measuring performance Watching and advising banks has never been more interesting! Progressive managers are everywhere scrambling to "reinvent" their institutions,...
Measuring Progress
Four years ago our industry was coping with the legacy of the S&L crisis, which was accompanied by a huge increase in regulations meant to put a lid on S&L and bank failures and restore public confidence. At the same time, our deposit-insurance...
Money 97 Offers Greater Connectivity
With the release of Money 97, Microsoft is attempting to extend connectivity options through which banks can offer on-line banking, as well as enable bill-payment processors to provide services. Financial institutions have a choice of ways to connect...
New Wrinkle Emerging in Global Risk: The Case for Bringing Bank Customers into the Debate on Systemic Risk
The case for bringing bank customers into the debate on systemic risk "How far are you going, friend?" Across the aisle from the questioner, a salesman gazed past the train conductor to River City, the small Victorian town just emerging from corn...
Paper-Shy Brokerages
Bank brokerage units are replacing paper with technology to give brokers more time to sell Ten years ago everything was paper based and our ability to answer customer questions or understand a customer's portfolio behaviors was limited," says Joel...
Products Integrate Call Centers, Platform, Teller Line
A multi-channel retail delivery system including the branch, a call center, and home banking sounds good in theory. Seamlessly connecting all three channels, however, is another story. Network Controls International announced a suite of products...
Reverse Mortgages Shift Up a Gear
Advent of another national secondary market program, the aging of America, and CRA goals help boost what some view as an oddity of the home-loan world In his standup days, Bob Newhart's stock in trade was the improbable one-sided-conversation routine....
Rx from Congress: Limited Medical IRA Law
A somewhat limited variation on the individual retirement account theme, designed to address medical expenses rather than retirement costs, goes into effect next year under pilot-program legislation passed towards the end of the summer. Banks and...
Shock Sets in When Nonbank Affiliates Get Examined
Many bank holding companies are building a diverse structure by expanding into specialized aspects of financial services. Increasingly, bank holding companies and banks acquire or establish non-bank affiliates such as mortgage banking firms or finance...
Should You Heed the Siren Song of Third-Party Firms
There is a groundswell of interest in the financial services community in partnering with or acquiring third-party administrators. Banks, insurance companies, large employee benefit consulting firms, brokerage firms--even investment management firms--are...
Software Takes on Role of Investment Advisor
Sales of mutual funds, insurance, and annuties are becoming significant profit sources for commercial banks. Banks, however, face unique challenges in marketing these investment products; the complexities of investment products are relatively new...
Stealth Regulation Flies over Interest-Rate Risk
If you think the banking agencies really backed off of interest-rate risk, get ready for a shock In February, bank regulators announced they were dropping a standardized modified-duration rate-risk measure to evaluate banks. Bankers responded with...
The Rise of Marketing, II
A year ago in this space we spoke of the rise of marketing, The context was the results of a Gallup survey commissioned by ABA to explore consumer perceptions of banks. The event that prompts us to revisit the theme is the induction to the ABA Presidency...
Where Workflow Automation Is Headed
Banks have used workflow automation software in certain business applications for decades, yet there is increasing recognition in the industry that workflow automation is still an information technology area with un-tapped potential for boosting productivity,...
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