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. 3, March

A Strong Grassroots Program Can Make Us More Effective
GRASSROOTS ACTIVITY IS A TEAM sport at ABA and we are training for victory. As the dominant banking trade group in Washington, D.C., we know that we have the numbers to make a difference in the policy process. But our size will matter only if we...
Bad Moves That Don't Fool Anybody: ... Irk Bank Analyst Richard Bove. the Wall Street Veteran Takes a Blunt Instrument to Some Cherished Industry Beliefs
You would think that after 30 years of covering the banking industry as an equity analyst, a person would have a few opinions. No kidding--a bushel full--and none of them "varnished." [ILLUSTRATION OMITTED] Take, for example, this view on bank...
Big Regional Variance in C & I Lending
Commercial and industrial lending trends are often an indicator of economic health. The idea being that the more robust the economy the higher the demand for these loans. To get a sense for where the segment stands, SNL Financial took a look at the...
Deposits & Funding: Game Remains the Same
About 12 years ago, a group of community bankers, gathered for a bank association meeting, talked about funding issues. One veteran present declared that soon the traditional deposit-loan model would be dead, eclipsed by a better way. She predicted...
Don't Mess with My Job
THE FOLLOWING EXCERPT appears in this month's Pass the Aspirin column, on page 20. It comes from Ann Marie Mehlum, CEO of Summit Bank, Eugene, Ore. "What gives me a headache is that the Fed bails out these huge banks with rate cuts, yet there's...
Examinations: Calm before a Storm?
For many bankers, such times as we are in, and may be on the verge of, haven't been seen in their careers. A decent number of CEOs weren't in their posts, or even in banking, when examinations, in the 1980s and early 1990s, were hellish affairs....
Extreme Risks: The Financial Services Industry Addresses Ever Tougher Continuity Standards
[ILLUSTRATION OMITTED] Bungee jumping, skydiving, or other extreme sports may give an adrenaline rush for many a youthful, plucky soul, but as for the danger and the risk, participants choose it. Something that could be called "extreme context"...
Federal Flood Insurance Coverage and Mixed-Occupancy Condominium Associations
Q. We have a borrower purchasing a non-residential condominium unit in a mixed-occupancy condominium building. The building is located in a Special Flood Hazard Area in a participating community and the association has purchased a blanket policy that...
HSAs: Banks' Belated Tonic?
More than half of the banks surveyed do not offer Health Savings Accounts. However, 42.8% of the sample does offer them, and, as Exhibit 50, left, notes, that figure represents a jump from the last survey of more than 30%. What made the difference?...
Is It Recession? It Doesn't Matter, the Impact Is the Same
ECONOMISTS HAVE BEEN tiptoeing around the "R word," whispering it among themselves, but not quite ready to declare it in public. They have fretted and markets have plunged over worries about the credit crunch, economic slowdown, and possible recession....
Negative Ads Work, but Do They Hurt? Ads by Banks That Knock Banks Are in Vogue. Some Say Such Bank-Bashing Is Bad for the Industry. Others Say, "Bravo"
[ILLUSTRATION OMITTED] Good morning, I am your bank manager, this is a robbery, down on the floor," he announces staccato, sounding half-bored. "What did he say?" asks a bewildered woman's voice. Pivoting, snarling, and raising his hands for...
Outsourcing: Why "Out" Is "In"
Among the legends of banking is Amadeo Peter Giannini, the Italian-American banker who turned adversity into success beyond belief. In the aftermath of the San Francisco earthquake of 1906, Giannini rescued and then transported his bank's cash to a...
Pass the Aspirin
The Headache: Banking In "Interesting Times" As the economy continued to challenge bankers, we asked "Pass the Aspirin" prescribers what effects their banks were feeling and what they were doing about it. Among our questions: * What impact has...
Plan Now for Teach Children to Save Day
A young person spends an average of $104 per week, a figure that highlights the urgent need for them to have a firm grasp of financial management basics. Yet recent studies report that almost 90% of young people have never taken a class in personal...
Rebuilding the Ultimate Lending Machine: Will Life after Subprime Yield Better Lending Environments?
In the cycle of lenders building mortgage lending operations, the industry has been six months away from adopting an e-mortgage process--for the last eight years, notes Monte Larson, chief marketing officer, DocuTech Corp., Idaho Falls, ID. [ILLUSTRATION...
Remote Deposit Capture: Making the Promise Pay Off
Back in late 2005, Gordon Coleman, awaiting regulatory approval of his Patriot Federal Bank's charter, found himself and another senior officer of the fledgling savings institution in a seminar about Check 21. Along the way, he recalls, the speaker...
Risk Management Keeps Flood Insurance Ducks in Line: Building Systems to Keep Your Flood Insurance Compliance Record Clean Will Help Keep Your Bank out of Civil Money Penalty Trouble
[ILLUSTRATION OMITTED] Banking regulators are citing flood insurance violations with increasing frequency, and assessing larger civil money penalties. What can a bank do to prevent these troubles if it has already invested in training and key compliance...
Striving & Seeking: Competition Drives Community Bank Improvement
From its beginning to this, its twelfth edition survey has focused on "competition," more specifically, "competitiveness," a basic of banking life, and, indeed, the foundation of capitalism. The word "competition" has long had many modifiers. Think...
Technology: Bits, Bytes, and Bob
We all have it, or can buy it," a community bank CEO recently commented, when speaking about the impact of technology on his part of the industry. He pointed out that the upside of technology, outsourced or home brewed, is that it has enabled community...
The RDC Experience: Captivating: Five Bankers Share Details of Their Experience with Remote Capture
[ILLUSTRATION OMITTED] According to the 2008 Community Bank Competitiveness Survey--presented in this issue, opposite page 28-65% of community banks either offer, or are planning to offer, remote deposit capture. That's not bad traction for a technology...
Three Go VOIP and like It: A Trio of Banks Rip out Their Old PBXs and Gain Streamlined Phone Service, New Features, Plus Cost Savings
[ILLUSTRATION OMITTED] During a recent snowstorm that hit her part of rural New Jersey hard, Susan Porter still managed to get in a full day for her bank. Porter, senior vice-president and chief administrative officer for First Hope Bank, N.A.,...
When Bankers Sought Permanent Solutions to Robbery
The 1920s was the era of the bank robbers of legend. These legends look more appealing in history books, however. In reality, robberies frequently were violent. [ILLUSTRATION OMITTED] Many articles in the magazine concerned how to stop robberies...
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