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. 9, September

Bank Boards Assess Changing Pay Dynamic
Tom Chandler is no newcomer to bank boards, nor to banking. He's a veteran bank director at Syringa Bank, a $289.9 million-assets institution in Boise, Idaho, and a banking and corporate governance expert at Boise's Hawley Troxell Ennis & Hawley...
Billboards, Web, Twitter Spearhead Bank's Comeback: SpurTheEconomy.com, Royal Bank America's Special Small Business Website, Aims to Help the Bank Reduce CRE Concentration
[ILLUSTRATION OMITTED] Community banks venturing into social media remain a minority of the industry, and those using Twitter represent a smaller slice of the pie yet. Many are simply dipping their toes. But at Pennsylvania's Royal Bank America,...
Consumer Remote Deposit Capture: A Fit for Some: It's Still Early, but If You Take "Consumer" to Include Home Office Usage, Then the Concept Seems like an Easy Next Step
[ILLUSTRATION OMITTED] San Antonio-based USAA was an early adopter with a great story to tell: about 300,000 active users daily of its 7.2 million customer base. First Command Bank, which registered 1,600 users across its online customer base of...
Deja Vu, Denial, and Deposit Evolution: The First Phase of the Current Crunch Broke New Ground, Says OCC's Tim Long. Much of the Second, However, Follows a Familiar Script
[ILLUSTRATION OMITTED] Tim Long, senior deputy comptroller for bank supervision policy, has been involved with just about every level of bank examination, from multinationals to community banks, over his 30 years at the Office of the Comptroller...
Housing Expansion Gains Traction
ONE OF THE MOST COMMON questions investors ask is: "When will housing bottom?" The answer is: the winter of 2009. Evidence is overwhelming that housing activity bottomed last winter. Building permits, new starts, new homes sales, and existing home...
Next Round Will Go to the Small Banks: Changed Landscape Now Favors Community Banks to Pick Up the Slack in Agency Acquisitions
[ILLUSTRATION OMITTED] A decade ago, the banking industry was captivated by its prospects in the insurance brokerage business. And rightly so. Years of battling for the opportunity to sell insurance were finally paying dividends. To seize this...
No Better Time to "Get Smart about Credit"
A STRUGGLING ECONOMY AND MORE complicated credit card rules are making the ABA Education Foundation's seventh annual Get Smart About Credit Day on Oct. 15 all the more important for the nation's young adults--and the bankers who will teach them about...
Please, No More "Czars"
"EXCESSIVE COMPENSATION" IS A close cousin to "obscene profits." Neither is realistically definable. They are legitimate terms. It just depends which side of the paycheck you're on. When motorists are paying twice as much for gas, for example, all...
States of the Banking Union: CEOs of Five State Bankers Associations Grapple with Economic and Media Challenges
Every state bankers association executive has some cross to bear, even in the best of times (and these are not the best of times). For some, it's an activist governor. For others, it's an aggressive state attorney general, just aching to be the next...
The Four-Letter Word That Colors the Compensation Debate
Asked what has been driving the multi-front federal push on financial institution executive compensation, a veteran banking lobbyist boiled all the reports, all the testimony, all the position papers, all the debate, all the chatter, down to a single...
The Headache: What Is Your Bank Doing to Contain Personnel Costs?
Remedy 1 [ILLUSTRATION OMITTED] William Grant, chairman and CEO, First United Bank & Trust, $1.6 billion-assets, Oakland, Md. We are involving nearly everyone in our effort to control salaries and benefits costs. Next to interest, it is...
The Sin of Wages? Odds Are Strong That Executive Compensation for Bankers Will Evolve as Post-Crisis Anger and Angst Focus on Risk and Corporate Governance
Executive compensation has been controversial in Corporate America for years, now, but talk to the man on the street about it today, and you'll likely see a kneejerk case of apoplexy, especially if you link the word "banker" to it. Many bankers...
The Windy City Awaits: ABA Annual Convention '09
The 2009 ABA Annual Convention, Business Expo and Directors' Forum, Oct. 25-28, at the Sheraton Chicago Hotel & Towers will feature top-notch speakers, abundant networking opportunities, a packed exhibit hall, educational opportunities and much...
When Customers Complain, Banks Must Get the Message: Think of Customer Complaints as an Early Warning System. Unheeded, They Will Morph into Tomorrow's Regulations. and Tomorrow Can Come Right Quick
[ILLUSTRATION OMITTED] It is so easy to ignore a customer complaint. After all, customers make so many mistakes, isn't their problem really their own fault? Why waste precious bank time fixing something the customer did wrong? But the truth is,...