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. 84, No. 7, July

ABA Takes Constructive Tack on HMDA Numbers
Rather than dwell on statistical debate, ABA proposes that the banking industry address disturbing trends pointed up by Home Mortgage Disclosure Act numbers by finding "innovative ways to increase the availability of mortgage oans to all creditworthy...
After a Decade, Bankers Say "Adios" to Latin Debt Crisis
On Friday the 13th exactly ten years ago this August, Jesus Silva Herzog came to call at the U.S. Treasury with a bomb in his briefcase. He was Mexico's finance secretary, and he was calling on his counterpart, Donald Regan. His explosive baggage was...
Bank Takes Sting out of "Downsizing." (Citizens National Bank)
Athough employee layoffs have come to be an expected result of big-bank costcutting efforts, community banks also face the need to reduce salary and benefit costs from time to time. It's an unpleasant task no matter what the size of the bank, but community...
Citicorp Asks East Germans to Empty Their Socks
Trying to unify Citicorp branches and services in East and West Germany is a daunting task, says Folkert Mindermann, corporate spokesperson for Citibank Germany, which has more than 300 branches that handle 50% of Citi's consumer business in Europe....
Getting Directors an Even Break in Washington
Finding and keeping qualified bank directors has become an even bigger challenge for bankers these days. Litigation is on the rise. Regulations covering directors' responsibilities flourish. Accountability is a growth industry. Trimming burdens....
Home Equity Lines Remain Popular
Continuing a trend, home equity lines of credit grew substantially during 1991 despite the weak economy and falling property values in many regions, according to ABA's 1992 Home Equity Lines of Credit Report. The nationwide survey of 413 commercial...
Make Portfolio Management Four-Dimensional
A significant contributor to the lending woes of many banks has been the inadequate attention paid to the old banking principle of avoiding risk concentrations, commonly called portfolio management. Some banks have simply ignored concentrations...
New EPA Rule Helps, but Bankers Hope for New Law
About two years ago, with the risk of getting stuck with contaminated real estate growing, National Bank of Alaska appointed one of its bankers to the post of environmental officer. Caution dictated that the $2 billionassets bank have prospective real...
NOAC Sees Flurry of Vendor Moves
Denver's new Colorado Convention Complex was the site of ABA's National Operations and Automation Conference (NOAC) in May. NOAC '92 gave the banking industry's vendor community a chance to showcase products and services to a gathering of some 900...
Risk-Based Implications
Risk-based premiums are coming. The FDIC Improvement Act guarantees that. So far, many bankers seem to be saying: "Good idea, but will it work as advertised?" The "ad" appeared in the May 21 Federal Register, when FDIC published for comment a proposal...
Seven Steps to Better Loss Reserves
Setting the appropriate loan loss allowance has been one of the least studied and understood elements of credit risk management. This is changing. Prompted by unprecedented loan losses and pressure from regulators, shareholders, and directors, bank...
Training Delivered in 20-Minute Bites
If you're a preacher and you can't preach your sermon in 20 minutes or less, you're going to ramble," says Richard Straten, vicepresident at State Bank and Trust Co. Brevity is a virtue in banker education as well, Straten believes. "At a banking seminar...
Two-Part Program Eases Mortgage Affordability
Navigating the home buying process for the first time can often feel like the mental equivalent of kayaking the rapids of the Colorado. Attempting to go through the experience with a low income can sometimes feel like trying to make that river trip...
What Boosts Card Usage?
When they're about to make a purchase, what makes consumers who have five or six credit cards use one card rather than another'? "I think that more and more consumers are involved in their own brand of money management," says Jorge Brathwaite, senior...
What It Takes to Win in the Nineties
Just a short time ago, there were three categories of banks: those that were winning; those that were losing; and those that were standing still. Today, the losers are gone and the winners already are beginning to dominate the industry. Banks that...
When Money Laundering Law Meets Environmental Risks
When the environmental stain on society is too tough for traditional remedies, what cleanser does Congress reach for? The perceived cleans-all solvent, the Money Laundering Control Act (MLCA). The Crime Control Act of 1990 added the money laundering...
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