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. 101, No. 6, June

ABIA Forms New Agreements
The American Bankers Insurance Association, an ABA affiliate, recently announced two new agreements that will benefit its members. Under one agreement, Hales & Co. will offer consultation services to members considering or currently undergoing...
A Good Time to Be a Community Bank
People's Bank of Seneca Non S-corp bank under $100 million Bankers Deron Burr and John Klute were talking at lunch recently in Seneca, Mo., about local economic conditions, when Klute observed how interesting it is that many people in town "ask...
A World Apart, in More Ways Than One
Security First National Bank Non S-Corp bank between $100 million and $3 billion Security First is one of those banks that does well in a very modest economy. And it does well consistently. The three-county area of southeastern Oklahoma near...
Banking's Top Performers: The Best Got There by Attracting Low-Cost Deposits and Focusing Their Lending on (or Benefitting from) Healthy Economic Sectors
Community banks did not dominate the headlines in the past 12 months, but they shared in much of the turmoil. The continuing decline in credit quality among construction and land development (CLD) and commercial real estate (CRE) loans caused difficulties...
Mark to Market: ABA Made a Difference
BIG BANKS. LITTLE BANKS. STOCK-owned and mutuals. Banks of every size and every charter united within ABA with one goal in mind--stop the drain on the banking system that the Financial Accounting Standards Board created with its mark-to-market rules....
Mining for Dollars; Pennsylvania Community Bank Has a Core-Deposit Level of 60%, and Account Attrition of Less Than 0.40%. Got Your Attention? Strategic Use of Customer Data Is a Key Part of How They Do It
[ILLUSTRATION OMITTED] Washington Federal Savings Bank has all the markings of a solid, century-old financial institution, which it is. It has a main office perched right in the town center of Washington, Pa., eight branches in the southwestern...
More Help for Mortgage Modifiers
The "10 Steps to Defusing Loan-Mod Bombs" article (published online at www.ababj.com and in the May print and digital editions of ABA Banking Journal) cautions banks about the compliance traps that banks need to watch out for when helping consumers...
Ramp-Up Coming for Fair-Lending Enforcement: Veterans Expect Justice Department to Bring More Energy to Fair Lending, Including New Targets-Among Them, Loan Modifications
[ILLUSTRATION OMITTED] The opening bars of the Obama Administration's fair-lending enforcement overtures have a somewhat familiar air to them, to Paul Hancock. That shouldn't be surprising. Hancock played a big part in the composition of the Department...
Shred Your Marketing Beliefs at the Door: As Community Banks Explore Social Media like Twitter, Facebook, and Linkedin, Fresh Thinking Helps. Social Media Marketing Is Different
Take a break from the ABA School of Bank Card Management and enjoy a Coke with its inventor, John "Doc" Pemberton. We've never actually physically met Jesse Torres. Indeed, we've only ever talked to him on the phone once, for about an hour, for the...
The Day of the Broker Is Done Here Come the Banks
Before you get too excited about that headline, there is a caveat. Starting from scratch may be a difficult and expensive option for those community banks who up till now have only made mortgage loans as an accommodation. But there are other options....
The Headache: Keeping Technology Costs Down
Tech costs drive noninterest expense up, but nowadays, community banks have to have it to compete. Indeed, tech has sometimes functioned as the equalizer between large and small banks. We recently asked a group of bankers meeting for next month's technology...
Tri-State Market and Cost Control Build Success
Bank of Dade S Corp bank under $100 million Interstate 59, built to connect Chattanooga, Tenn., to Slidell, La., passes through the very northwest corner of Georgia for the duration of three exits. In its own way, Bank of Dade, in Trenton,...
Turning Point for Credit Cards
THE INDUSTRY JUST GOT A second slap in the face over credit cards--this one from Congress. The new legislation imposes all sorts of restrictions regarding pricing, rates, and practices, much of it already covered by the rules issued by the Federal...
U.S. Automakers Still Spinning Their Wheels
THE RECESSION HAS, AS USUAL, hit the auto industry especially hard. Following an extended period of severe financial problems and eroding market share for the large domestic manufacturers, two of the Big Three now require government support to keep...
With CRE Credit, Home Bank Prospers
Home Bank of California S-corp bank over $100 million If you went by general trends and conventional wisdom, Home Bank of California should be on life support--not gracing a spot among the top 25 institutions in its class. First off, virtually...
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