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. 86, No. 1, January

Bankers Weigh Fed's Check Clearing Moves
Among the issues bankers with operations responsibilities were considering as 1993 drew to a close were: the impact of same-day funds settlement (as mandated by changes to Regulation CC effective Jan. 3), newly proposed Federal Reserve pricing methods,...
Boards at Risk
So much is written about the advantages. of banks engaging in sales of investment products that a look at the potential liabilities is in order. Mutual funds and discount brokerage services represent business areas with which most banks have, at best,...
Case Study: Trust Unit Shrinks Software Down to Size
When First of America Agricultural Services, a unit of First of America Corp.'s Trust Division, was asked to move its computer system off the bank's mainframe, the staff wasn't sure how it would continue provide farm management services for its 1,500...
Consider D&O Legislation Carefully
House Banking Committee Chairman Henry Gonzalez will likely introduce a bill this year invalidating the regulatory exclusion found in many directors and officers liability insurance policies--possibly even making the prohibition retroactive. Under...
Don't Do This: A Fictional Bank's Miscues Suggest Eight Ways to Avoid an Investment Sales Flop
Best Bank of Anytown decides to start an aggressive investment sales program. Management lures an accomplished individual from the securities industry to head the program. This manager hires experienced brokers from such big investment firms as Merrill...
First Look at CRA Rewrite
Streamlined Community Reinvestment Act exams for smaller banks are included in a joint proposal from federal banking regulators that was expected to be published for public comment in December. In early December, regulators' first public draft was...
Five Things Customers Don't Need
When times get tougher, we get smarter. Why does it take a sobering business climate to bring out the best in us? When we're watching carefully, isn't it amazing what we don't need? So much seems so unimportant. This came to mind a while back...
If You Liked FASB 115, You'll Love FASB 114
By now, most banks will have finished their first round of coping with the new accounting standards for the investment portfolio, and may be breathing a collective sigh of relief. But "relief" will be short-lived, because an even more challenging accounting...
Indirect Profits: Dealer Financing Can Boost Bank Profitability, Not to Mention the Number of Direct Loan Prospects
Now that the bulk of the real estate refinancing craze is behind us, it's time to explore new sources of income in order to sustain profitability. My suggestion is to establish an indirect installment loan program, a move my bank made in 1987. Boatmen's...
Justice Department Sues Tiny South Dakota Bank for Loan Bias
Community bankers who have considered the federal government's renewed push against discrimination in lending to be solely a big-bank, urban-market issue may be startled by the following account: On Nov. 16, 1993, the U.S. Justice Department filed...
Market Share on Their Minds
Yes, bankers are concerned about it. We've been hearing for a year at least that banks as an industry are steadily losing market share. But how do you define market share locally? How do you measure it? In Nebraska, less than 10% of the banks know...
Mortgages without Debt Ratios?
Typically when mortgage lenders have attempted to meet the needs of low- and moderate-income borrowers, they have adapted the credit framework of their existing products. For example, to be more flexible many lenders have permitted higher debt-to-income...
Our Credibility's on the Line
Bias in lending. On the Richter Scale of bank issues, it could be the Big One waiting to happen. No other issue invites greater public scrutiny or challenges our industry's credibility more. Not treated adequately and in time, lending bias could become...
Taming Toxic Risks
In late February of 1993, FDIC issued its "Guidelines for an Environmental Risk Program." The guidelines state that FDIC examiners will criticize a bank and require corrective action if the bank has no such program or fails to follow it. Since then,...
The New Demographics
Salsa has replaced ketchup as the best-selling condiment in the U.S. Modern Maturity is the most widely read U.S. magazine. By 2010, half of the children under five will be minorities. What do these trends add up to? That depends. National demographics...
Tom Peter to Banks: It's Imagination, Not Size
In 1982, Tom Peters made a name for himself when he co-authored, with Bob Waterman, the book In Search of Excellence. Since then, Peters has written three other books, A Passion for Excellence (with co-author Nancy Austin), Thriving on Chaos, and most...
What to Do after the Refi Boom Goes "Phfft." (Mortgage Refinancing)
Many bankers, while gratified by high volumes and robust earnings from mortgage lending during the refinance boom, view 1994 with apprehension. A sustained rise in long-term interest rates could produce fewer lending opportunities, because refinancings...
Where's That Loan Demand?
The current economic recovery has been under way since the spring of 1991, but banks have little to show for this improvement based on loan growth over the past two and a half years. Much, if not most, of the improvement in the bottom line has come...
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