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. 100, No. 10, October

Bankers' View of the New Hope for Homeowners Program: Answers to Some Questions about the FHA Program, Which Was Due to Begin Oct. 1
The financial wreckage of recent weeks means that potentially thousands of people around the country, and especially in the New York metro area, could soon be joining the ranks of those who cannot make their mortgage payments. That represents an ironic...
Branch Sales Sag to Ten-Year Low
The annualized number of branches sold by banks and thrifts in 2008 has fallen to the lowest level in at least ten years, according to SNL Financial data. Premiums paid for deposits, though, have held relatively steady, indicating that there is...
Capital Windfall? A Majority of Banks Could See Reduced Capital Requirements under the Basel II Standardized Approach-Some, However, Will Need More Capital
[ILLUSTRATION OMITTED] Bankers could be forgiven if they had a few misconceptions about the new Basel capital rules. Even calling them "new" seems odd considering they have been in development for almost a decade with various versions being proposed,...
Covered Bonds Gain Interest after GSE Takeover
In connection with the recent troubles surrounding Fannie Mae and Freddie Mac, there's been a good deal of discussion about finding alternative forms of liquidity for the U.S. residential mortgage market. The U.S. Treasury has said it wants to shrink...
Hot, Web, and Green: Online Deposits Draw Bankers and Savers of Different Stripes. Three Web-Based Services Use Different Approaches to Attracting Deposits
In a recent survey, community bankers said their top competitive challenge, by far, was raising deposits. One out of three respondents cited it. Several options exist to remedy the problem, most of them well known. They include simply raising rates,...
Keep Functional Regulation: How Financial Regulation Should-And Shouldn't-Evolve. Talking It through with SEC Chairman Cox
[ILLUSTRATION OMITTED] Though his name is not on the law, Securities and Exchange Commission Chairman Christopher Cox served on the Senate-House Conference Committee that finalized the 1999 Gramm-Leach-Bliley Act. At the time, Cox was a Republican...
Late-60s Saw Birth of That Long-Lasting Favorite-Reg Z
The late William Proxmire, U.S. Senator from Wisconsin and past chairman of the Senate Banking Committee, made a name as a scourge of government waste. But among the legacies he left to banking was the Truth in Lending Act, implemented by Regulation...
Mortgage IT: Not This Year's Hot Property: Will a Retreating Market Provide "Silver Lining" Offerings?
With ebbing property values, fewer originations, and stalled loan servicing volumes, the invisible hand that turned the crank on the mortgage industry eased back on the pressure. Way back. [ILLUSTRATION OMITTED] "All the 'levers' that drove high...
Our Competitors Just Won't Take "No" for an Answer
WHILE BANKS CONTINUE TO SERVE their customers and communities amidst a challenging economic environment, the credit union industry and the Farm Credit System are looking for new ways to expand their horizons and further their competition against us....
P.T. Barnum Capitalism
THE COUNTRY PAUSED LAST month to note the seventh anniversary of the Sept. 11 terrorist attacks. How ironic that the economic damage to the U.S. financial system that fateful day was far less than what we just witnessed. By our own actions we did...
Put Your BSA/AML Program into Shape: Better BSA Exams Start by Giving Your Existing Program a Tough Once-Over
How seriously does your bank's workforce take Bank Secrecy Act and anti-money-laundering duties? As an indicator of the compliance atmosphere in your shop, when was the last time one of your employees failed a Bank Secrecy Act test? Not a real-life...
Rethinking Segmentation: Demographics Are Only Part of the Story. How Customers React to a Series of Vignettes Helps Banks Get Inside the Customer's Mind, Heart, and Emotions. Here's How the Process Was Applied at One Large Retail Bank
[ILLUSTRATION OMITTED] In their seminal work The Experience Economy, Joseph Pine and James Gilmore identified Customer Experience as the emerging key differentiator in today's services economy. That was almost a decade ago. Yet a positive, differentiated,...
Still Pushing the Envelop: Now $8.3 Billion, Offbeat Umpqua Bank Is "No Gimmick," Says CEO Ray Davis. in an Interview He Credits Culture and Empowerment for the Bank's Success
[ILLUSTRATION OMITTED] Long before the value of a cup of joe and an overtly retail-looking environment was conventional banking wisdom, Portland, Ore.-based Umpqua Bank offered its customers coffee and a chat. The bank's sharp-looking branches began...
Veteran ABA BJ Editor Joe Kizzia Dead at 85
Joe Kizzia, longtime ABA Banking Journal editor and founding editor of ABA Bank Directors Briefing, died in August, after a long illness, at 85. [ILLUSTRATION OMITTED] A veteran of the Normandy invasion and the Battle of the Bulge, Kizzia served...
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