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. 9, September

ABA & America's Community Bankers: Moving toward a More Perfect Union
I'VE LONG BEEN PROUD OF THE ROLE ABA has played in bringing together diverse elements of the banking industry in common purpose. That unifying role is about to be significantly enhanced with the merger of ABA and America's Community Bankers. It's...
Adverse Action Clarified
The May Mailbox contained a question titled, "Can't act adversely if you don't sell what the customer wants." The question addressed Regulation B [12 CFR 202.2(c)(iv)] and adverse action. The question asked if the bank was required to provide an application...
Beyond "Enough!"
WE DEFY ANYONE TO READ THIS month's Compliance Clinic and not hit themselves on the head and say, "What's going on here?" That's not meant as a criticism of the column or its author, nor of the other talented people of the compliance community who...
Don't Miss the Boom! Eight Points to Assess Your Bank's Boomer Plan
While we bankers fret about technology, shrinking margins, and the realities of preserving market share, there is a societal shift under way that many of us are aware of, but few of us are paying much attention to. Subtle now, this shift will become...
Get Away and Get Ahead: ABA Banking Leaders Forum Provides a Strategic Retreat for Bankers
The ABA Banking Leaders Forum and Annual Convention offers senior bankers an opportunity to escape their day-to-day chores and challenges and to look forward and strategically think about their businesses. The fact that it's located in a relaxing environment...
Hackers for Hire? You Bet'cha
Dave Chronister is president of Parameter Security, a new business based in St. Louis that engages in ethical hacking. Though hardly alone in this emerging and rapidly maturing field, Chronister founded Parameter after serving as IT security executive...
Huntington and Sky: A Combination Play
Insurance wasn't the primary driver of Last year's acquisition of Sky Financial Group by Columbus, Ohio-based Huntington Bancshares. Yet the bigger Huntington--now at $53 billion assets--will certainly see rewards from having Sky on the insurance side...
Just Give People What They Want
If it's possible to have a financial epiphany, KeyBank's Michael Griffin has had one. A while back, Griffin was part of the bank's effort to bring the unbanked into the fold by offering free checking and free savings accounts. People who opened...
Meeting the Challenge of the "Unbanked": Banks Find Ways to Serve the Unserved by Breaking out of Conventional Thinking
Politicians and pundits love big concepts wrapped in short labels--issues in icons--hence the adoption of the term "unbanked." In eight little letters, one can put oneself on the side of all kinds of people--estimated to number anywhere from 12 million...
Outreach Keeps Paying Dividends
It's not often that a small regional player in today's markets introduces an international payment instrument of its own design, but, then again, Arkansas-based Arvest Bank has been pioneering new approaches to banking the Latino market for years....
Pass the Aspirin: What Are You Doing about Tellers?
"FortunateLy for us, we have not been looking for any tellers recently, shared Tom Wolf, president, Platte Valley Bank. "However, I know that if we were, it would be somewhat difficult. We are a $50 million-assets rural community bank, in North Bend,...
Security: Protect Information First
Andrew Burton, director of product management, Information Risk Management, Symantec, Waltham, Mass., took some time with ABABJ to discuss the company's new emphasis--a policy-based information protection approach. As part of this, Symantec has released...
Sleight of Mind
July's TRY, TRY AGAIN puzzle brought in a good return, and most of the answers were right. The correct answer was that the error occurred in step five as you can see in the table below. The first three to respond with the correct answer were: Mike...
State Program Makes a Difference
One of the key arteries linking Manhattan and the borough of Queens in New York City, is the 59th Street Bridge, spanning the East River. On the Manhattan side of the massive structure, there's been a branching battle beyond belief in recent years....
Tellers Scan, Too, at First Federal
The $2.6 billion-assets First Federal, Charleston, S.C., has taken item processing to the teller station with the installation of scanners throughout its 53-branch footprint. With branches in the counties of Beaufort, Berkeley, Charleston, Dorchester,...
The Art & Craft of Cross Selling: Gaining Momentum with Insurance Sales
Banking and insurance after Gramm-Leach-Btiley was supposed to be a natural pairing of risk management products with deposit and credit accounts, but has proven, if not unnatural, then certainly awkward for many U.S. bank holding company owners of...
The Price Is Right? Price Optimization Software Tailors Product Pricing with Greater Precision. Yet It Must Be Handled with Care
When it comes to recalibrating loan or account features--especially price--banks, historically, have limited their revisions to matching the competition. [ILLUSTRATION OMITTED] Or, they've kept their analysis to peeks at cash flow, projected...
Time to Power Up Your Presentations
I often hear comments that my topics are interesting, but I sense the audience has a difficult time in paying attention. I have seen a video, and the truth is that I sound and look boring! In my position, I am required by our attorneys to read my presentations,...
What the First Half Tells Us about the Second
What is in store for banking in the second-half? A look at trends in first-half performance metrics can give us some insight into what we might expect. The four core performance metrics-return on average assets (ROAA), return on average equity (ROAE),...
Why Money Sense Is a Top Priority: The Subprime Mess Is One Reason to Improve Financial Literacy
Back when he was a branch manager at Baltimore's Provident Bank, Gary Geisel had a customer approach him and say, "How could I possibly be overdrawn? I still have checks left!" [ILLUSTRATION OMITTED] More recently, a young woman-the daughter...
Will Housing Push Us into Recession?
A POPULAR JOKE TELLS US that economists have forecast nine out of the last five recessions. Economists always seem to be warning of one risk or another. Over the past few years, the risk most commonly cited has been the housing market. There is...
Winning the "Battle of the Buck": Thin Spreads Have Banks Looking for Other Ways to Make and Save Money. Some Find Low-Hanging Fruit They Missed. and Some Just Get Tough
Wes Hoskins decided it was time to play hardball. His bank was four years into a five-year contract with its chief information technology vendor, and he'd decided the costs of processing had to come down. [ILLUSTRATION OMITTED] "Our contract...
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