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. 96, No. 1, January

A Window Opens Just Once. (Community Banking)
BANKERS HAVE BEEN IMPROVING the life and economic health of their communities for decades. Across the country it's happening in big ways and small. Take Choice Financial Group in Grafton, N.D. When nearby Petersburg lost both its grocery store and...
Directors Who Sell! Board Members Who Believe in Your Bank Can Do a Lot for Business Development-Without Micromanaging
You might say that director J. Roger Smith, an especially active booster for Guaranty Bank & Trust, has been selling people on the bank even longer than he's been on the board. And he's been on the Huntington, W. Va, bank's board since the bank...
Does Your Backup Plan Have a Backup? Lessons Learned from Hurricane Isabel Can Be Applied to Many Types of Disasters That Banks Must Prepare For
Disaster preparedness and planning is one more paper exercise that regulators insist banks go through that many would like to skip. How important is the disaster contingency plan? Very important. How effectively do we anticipate and plan for problems?...
Do We Really Need Ethics "Guidance"?
THE NEWS THAT FEDERAL REGULATORS are preparing to issue guidelines for assessing the "reputational risks" of commercial and investment banks came as a bit of a shock. For banks to have to rely on regulators to tell them the right thing to do makes...
FCRA Package, a Big Win Wrapped with New Strings. (Fair Credit Reporting Act)
Experienced CEOs and compliance officers have long known that anytime Congress touches a banking law, there's going to be work involved. Case in point: The Fair and Accurate Credit Transactions Act of 2003, signed into law Dec. 4, which permanently...
Frank beyond Frank: Unlike Many Politicians, House Financial Services' Ranking Member, Barney Frank, Says What He Means-Whether You like It or Not
Congressman Barney Frank looks tired. The House held a late vote the night before. It's the waning days of a busy first session of the 108th Congress and he's rumpled and a trifle grouchy and the mileage is showing. Within the previous week a House-Senate...
Game's over ... Find a New Game! How Savvy Mortgage Lenders Are Surviving the Refi Decline, Accounting Changes, and GSE Uncertainty. (Refinancing, Government Sponsored Enterprise)
It seemed like it would never end. An unprecedented refinancing boom stoked mortgage originations to record levels, lifted profits and boosted job opportunities to new heights--and, remarkably, it all occurred as the general economy hit the skids....
IT Spend to Pick Up: ABA/TowerGroup Survey Finds Budgeting Still Stringent, but "Top Line" Spending Will Happen
After a tight-fisted approach to information technology management that spanned the recession, line-of-business executives will be given a little freedom to refurbish their systems, build or buy new applications, and, generally, think in grander terms...
Looking for That Fine Line: SEC Commissioner Cynthia Glassman Explains What's Happening with the Much Delayed "Pushout" Rules and Offers Her Thoughts on Managing Risk. (US Securities and Exchange Commission)(includes Related Article)
Managers of banks must cope daily with exposures that arise from their market and credit operations, and even from their supporting computer operations. As a rule, the last measure of their success in managing those risks has been recorded on the income...
Maximizing Protection for the Bank and Its Directors
High profile lawsuits and new corporate governance regulations have heightened concern as to whether a bank's insurance will provide adequate protection for both the bank and its directors. An improperly structured insurance program can result in directors...
Of Hurricanes, Money Laundering, and Complacency
Sometimes the best-intentioned Washington actions can cause unexpected reactions. Case in point was the way William Langford, senior advisor to the general counsel at the Treasury Department, opened his speech at the recent Money Laundering Enforcement...
On Your Mark ... on Your Mark ... When Will Banks Get Serious about E-Banking? What Will It Take? Does It Matter?
I am a recovering e-banking evangelist. Back in 1994, when it all began, I jumped on the e-bandwagon, a true believer in the potential of the internet to make the banking experience more useful and fun for consumers and more profitable for bankers....
Outlook for Growth, Inflation, Rates
IN 2004, ECONOMIC GROWTH will remain healthy, staying well above the potential growth rate of 3.5%, lowering the jobless rate to 5.2% at the end of the year. Economic policies will remain a strong tail wind for the economy. During the second half of...
"Pass the Aspirin". (Bank Directors)
If you have a management conundrum that you'd like input on, send it to Steve Cocheo, executive editor: e-mail, scocheo@sbpub.com; fax to 212-633-1165; or mail to ABA Banking Journal, 345 Hudson St., New York, N.Y. 10014. HEADACHE A New Yorker...
The Care and Feeding of Your Bank's Directors: An ABA Telephone Briefing, in Conjunction with ABA Bank Directors Briefing Newsletter
Thursday, Jan. 15, 2004 2:00-4:00 p.m. (ET) Registration Fees: ABA Member/ Service Member Fee: $235 per site license Non-Member Fee: $350 per site license Each site license entitles you to one phone connection at one location where an unlimited...
The Myth of Technical Security
Here's a sincere wager. I'LL bet a dollar against $10 that when your organization terminates an employee it takes at least 48 hours, if not significantly longer, to remove all their access codes and permissions from all your systems. A bit dramatic...
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