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. 99, No. 6, June

Are Foreign Holdings of U.S. Securities Too High?
THE COMMON PERCEPTION IS that the U.S. is financing its current account deficit by a massive build-up of debt that leaves the country vulnerable to rising interest rates. A look at the numbers tells a different story. The chart demonstrates that...
Banking's Top Performers One-Time Gains Help Many Move Up
At first glance, community banks appeared to have escaped the storms of 2006 with less damage than their larger counterparts. Despite an inverted yield curve, increased reliance on higher-rate deposit funding, and slowing loan growth, banks with total...
Deposits vs. Investments Time to Settle This Debate: New Study Puts Some Numbers to the Matter of Disintermediation, Which Should Help Defuse a Long-Simmering Dispute
Ever since banks and savings institutions began selling mutual funds and annuities in the early 1980s, there has been tension between the advocates of transforming the bank branch into a financial services store and the executives responsible for the...
Do Traps Lie in ATM Waivers?
Q. ATM fee waivers, both those fees charged by our own bank and those charged by other banks, have become a popular marketing "gimmick" to attract customers. What should we keep in mind when pursuing such a program? A. The compliance risk for this...
Getting into Remote Capture? Don't Forget Compliance
In many ways, remote deposit capture service is about the removal of burdens, through technology. Bank customers save time, gas, and checking delays. Banks, on the other hand, face a collection of compliance considerations in the course of offering...
Getting over the $1 Billion Speed Bump: Something Happens When a Community Bank Passes This Mark. Bankers Who've Hit the Bump Discuss the Challenges
Really, it's just a number. Or so it would seem. The difference between being a bank of $999 million in assets and $1 billion in assets is nil, numerically speaking. Yet, there's something about the far side of that threshold that's undeniably different,...
Margin Squeeze-Hint of Relief?
As margins go, so go the fortunes of the bank, or so the conventional wisdom says. Through part of 2006 margins appeared stable, with only minor pullbacks seen, but the pressure of the yield curve has become harder to offset through non-interest income....
Punching through the Media Clutter: The AFLAC Duck's Creators Offer Advice on Selling Your Services When a "Bank Is a Bank"
Ameeting has just broken up in Linda Kaplan-Thaler's office and some of her ad agency's staffers begin coming out. And coming out. And coming out. How did all those people fit in that modest-sized corner office? "You really weren't kidding about...
Quietly Booming in Seattle: Seattle Savings Bank
Seattle's not exactly a two-stoplight hamlet, but it has a close-knit business community. The city and surrounding communities are home to Boeing, Microsoft, Starbucks, and other giants, but even so the names Ben Smith and Robert Story are well known...
Risk Management Tool Lets Community Bank Focus Security Spending
Before it found the right security assessment tool, Ptantation Federal Bank, Pawleys Island, S.C., had a security dilemma shared by many: an ill-defined sense of its exposures and the potential to over-spend on data and system safeguards. Yet examiners...
Segment Marketing: Dull, Basic ... Do It!
"You need marketing, not sales," said the speaker. Banks in wealth management don't need more high-talent, high-priced business development officers. They need to use their junior marketing people to make adjustments to brochures and PowerPoint slides...
Sourcing Solution Gives National City Purchasing Clarity
When it comes to working in a standardized way, creating a paper trait for supply purchases, and otherwise simplifying the vendor management process, there is help beyond the spreadsheet and manual records. One portal-based solution from Atlanta-based...
Subprime, Whose. Responsibility?
DO MORTGAGE LENDERS, BROKERS, and all the other players in the mortgage business have a responsibility to make sure people don't get in over their heads? Not necessarily. Should they care? Any ethical business person would. Subprime lending is...
Texas Growth Plus Wal-Mart Locations: Woodforest National Bank
They say everything is bigger in Texas. A touch of hyperbole? Perhaps. But in terms of banker interest, which is big at the moment, the Lone Star state is red hot. According to Keefe, Bruyette & Woods, more banks are opening in Texas than any other...
The End of Greed: People Now Want to "Feel Needed." What Does It Mean for Your Business?
If you're over 50, congratulations. You've now experienced four distinct stages of societal identity. You may not have realized that; the stages aren't advertised with public service announcements, but at your age, you've lived through all or part...
The Headache: "Naming Rights" in Your Town: Worth It? and How!
Baseball season is here. Large banks have been involved in getting their names out there by buying "naming rights" for sports venues in both major and minor leagues. We asked community bankers, has your bank tried this at the local revel whether it...
Today's Elements Tomorrow's Branch: The Branch Was Supposed to Phase out. It Hasn't and May Never. What Will the Branch of the Future Feature? Self Service and Collaboration
It once was thought the future would look like it did on the Jetsons. You remember the cartoon s slapdash mix of outer space hijinx and mid-century references--the flipped hair, martini lunches, and sculptural Populuxe design? Everybody flying around....
Up, Up, and Over: Utah Community Bank
Some days a bank president may feel like Atlas, with the weight of the world on his or her shoulders. William J. Loosle knows the feeling well, of balancing a heavy weight. And sometimes, Loosle has been known to just chuck it. Indeed, Loosle (pronounced...
What's the Status of an "ITIN"?
Q. My bank has received a joint loan request to purchase a vehicle. The primary applicant has a Social Security number and credit history. The secondary applicant has an "individual taxpayer identification number" and no credit file. The credit report...
What the Subprime Shakeout Means to Banks
NO ONE--LEAST OF All HOMEOWNERS and lenders--is happy to see foreclosure rates climb, as they have in recent months. By one estimate, foreclosures nationwide were up 47% in March from a year ago. That's an average--so you can imagine that in some...
When Lawyers Want the Needle in Your Haystack. or the Whole Haystack
WARNING: The contents of this article may make you paranoid about sending e-mails for the rest of your life "A company with 100 employees sending or receiving the industry average 25 e-mail messages a day produces 625,000 e-mail messages a year,...
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