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. 4, April

A Better Way to Access Branch Profitability
The focus of profitability measurement has traditionally been on return on assets and return on equity. This has led to banks and thrifts emphasizing hurdle (cost plus) spread rates on loan assets to ensure desired levels of profitability. These...
Blind to Interest Rates, Cash Management Keeps Generating Steady Income
If there were a Richter scale for the impact of low interest rates on various banking functions, recent rate trends would barely register for cash management. While low rates have challenged banks' deposit, investment, and lending operations (see...
Campaign Aims to Improve Public View of Banking
ABA has made banking soundness and public confidence a top government relations priority. ABA President Alan Tubbs reported the results of association-sponsored consumer-attitude research at the recent Banking Leadership Conference. Tubbs said the...
Federal Booklet on Fair Lending Is Must Reading
A bank regulatory body has issued a pamphlet that should be required reading for every banker concerned about credit discrimination. As I have argued previously in this space, discrimination is becoming the most turbulent compliance issue banks...
Feds Explain Revised Investment Policy
Banks must pay renewed attention to the investment portfolio in the wake of a recent federal policy statement. Lack of attention to revised standards may leave institutions open to mandatory mark-to-market accounting for a portion of their investment...
How Big Banks Manage Their Own Real Estate
Taken together, the nation's largest banks occupy over 350 million square feet of office space and spend over $3.5 billion annually on rent and operating expenses. Pressures to improve profitability have forced banks to scrutinize every expense....
Managing the Margin
Although the current rate environment presents continuing pressure on interest margins, it also presents an ideal time to rethink the paradigms of pricing loans and deposits. The most successful banks will let go of the things that are comfortable...
Municipal Deposits: "Yes," "No," and "Maybe."
Every four years the northern California city of Walnut Creek solicits bids for its banking services package. In the past, the city only did business with the state's major banking chains. Recently a community bank won the city's contract. Generally,...
New CIF Systems Stress Customer Service
Offering retail customers better service is the proving ground for banks in the '90s, but friendly smiles and new products are only part of the picture. Flexible and truly all-encompassing customer information file (CIF) systems are part of the equation....
Rates Prompt Change in CMO Strategies
The runup in mortgage prepayments brought on by refinancings has focused bank investor attention on collateralized mortgage obligations (CMOs) and other mortgage-backed securities. The subject was much discussed at ABA's recent National Conference...
Retail Deposits Face Harsh Economic Wind
Attempts by the government to jumpstart the economy by lowering interest rates this past winter had some discernable effects on the retail banking industry-not always in the intended ways. So far, low rates appear to have had little effect on consumer...
Short, Long, or in the Middle?
As banker Stephen G. Ashworth described it, recent months have been a particularly ticklish time for many of his fellow bank investment managers. "We are the fulcrum for the bank," said Ashworth, senior vice-president at Wachovia Bank of North...
Small Banks like Third-Party Mortgage Option
If there's one thing community bankers can't stand, it's watching their customers go elsewhere for services their bank can't provide. Fickle customers may be a fact of life in some urban markets, but loyalty is prized in places like Milledgeville,...
Ten Rules for Communicating with Disabled People
Earlier this year Meridian Bank, Reading, Pa., began training 1,800 branch employees on serving and working with disabled people, as part of its compliance with the Americans With Disabilities Act. As part of the training, employees were given ten...
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