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. 97, No. 11, November

A Good Steward
THERE MUST HAVE BEEN MOMENTS over the past 18 years when Alan Greenspan would rather have done anything but look at one more spreadsheet of macroeconomic data. Or times when he just wanted to shout, "There is no bubble!" instead of offering yet another...
Digital Graffiti: What Every Employer Should Know about Employee Blogging
The legalities surrounding technology in the workplace are complicated enough for banking professionals. Today we've added a new headache that should prompt employers to change employee manuals. "Blogging"--which is an online computer journal (a "weblog,"...
Don't Forget Alabama: There Goes the Roof
Because of the unfolding catastrophe in New Orleans, few realize that the Alabama coastline experienced the brunt of Katrina's fury. Five-year-old Bay Bank operates three branches, one on Dauphin Island, one in Theodore, and one in Bailey's Corner....
Economic Consequences of Hurricane Katrina
IN SPITE OF THE SUFFERING of so many afflicted, the macroeconomic consequences of Hurricane Katrina should be close to nil within one year's time. The standard paradigm for natural disasters is that an initial brief period of stymied economic activity...
Evolution on the Chattahoochee: Synovus Financial Continues to Bend, Stretch, and Splice the Cables of Its Unusual Multibank Model to Keep Churning out Megawatt Profits
It's mid-morning, and the view of the Chattahoochee River from the boardroom of Synovus Financial Corp. gives the impression there's a drought. Much of the riverbed is visible, and fishermen have walked far out into it to reach something wet to cast...
For One Big Bank. It Was Improvise and Adapt
At the end of the long days that all ran together back in those first weeks after Katrina, Michael Lindsey would jot down notes in a log he kept before catching a few hours steep. He would note only the decisions that had been made beyond the norm--but...
Full Wallop in Mississippi: "Never Had Anything like This Before"
There was a moment when D'Auby Schiel felt like she was in Kansas. As she and her husband watched from inside the Ocean Springs branch of Community Bank, Coast, the roof peeled off from a store across the street, and, like something out of the Wizard...
Good Corporate Citizens Also Pay Taxes
NO DOUBT MANY CREDIT UNION PEOPLE see themselves as good corporate citizens. What makes a good corporate citizen? Why might we reasonably raise an objection to credit unions' claim that they belong in this important segment of the business community?...
Holding Louisiana Banking Together
"Sleep is what I want for Christmas," said Peter Gwaltney, speaking as much for the New Orleans banking community as for himself. One out of three Louisiana banks were affected by the Katrina and Rita hurricanes and their aftermaths. Unprecedented...
In the Wake of Rita: Worth Its Weight in Gold
Located between Houston and Beaumont, about 38 miles from the coast, the city of Liberty, established in 1831, is older than the state of Texas itself. Two branches make up First Liberty National Bank, the main office in Liberty and the second office...
Lenders Go "Quant": Banks Increasingly Embrace Analytic Tools for Business Lending at a Time When Credit Quality May Have Peaked
Consumer lenders have long had confidence in FICO scores. In the fractured commercial market, however--with its kaleidoscope of middle market, small business, real estate, and syndicated lending--people, not scores, tended to set the business lending...
Maestro: One-Time Jazz Musician Alan Greenspan Has Conducted the Economic Orchestra with a Combination of Facts and Intuition, Producing a Melody of Stability and Prosperity
On Jan. 31, 2006, Alan Greenspan will step down as chairman of the Federal Reserve after more than 18 years on the job. It would be an understatement to say that America has prospered under his leadership. Indeed, Greenspan leaves behind a brilliant...
Opportunity or Threat? Either Way, Imaging Changes the Dynamics of Correspondent Check Clearing
Smaller financial institutions used to have only a few choices for clearing and settling checks. They could transport the paper checks to the nearest Federal Reserve or to a larger correspondent bank in their area for processing. But remote capture...
Pass the Aspirin
The Headache As they grow, community banks can be fairly complex creatures to manage, with their financials becoming more and more detailed. The Wall Street Journal recently carried a technology column devoted to "dashboards." These are programs...
Staying Afloat in Louisiana: Have Pirogue, Will Rescue
New Orleans banker Guy Williams wears two hats, literally. In his "day job" he is president of Gulf Coast Bank & Trust, a $600 million-assets lender that caters to a mixed blue-collar, small-business customer group. But Williams is also a...
The Funding Game Gets Tougher: "I Can Get It for You Wholesale" Is Coming to Be a Familiar Motto for Bankers Who Find That the Days of Easy Retail Funding Are Fading
If you had to bring the retail deposit-gathering challenge down to one, simple image, it is this: a chair. As in the kid's game of musical chairs. Because at the end of the day, unless your bank is very, very lucky in its clientele and market, that...
Will Three Times Be the Charm for Farmer Mac? A 1996 Revamp Adjusted Deficiencies in Powers and Structure Left by the 1987 Blueprint. Now New Efforts, Including a Partnership with ABA, Promise to Bring More Banks into the Fold
Most people celebrate anniversaries. But to Henry Edelman, Farmer Mac president and CEO since the agency's beginning, the upcoming 20th anniversary of the concept of Farmer Mac isn't the date to celebrate. For that matter, he says in a recent interview,...
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