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. 4, April

2008: Year of Rich Internet Apps?
[ILLUSTRATION OMITTED] The new web, also called Web 2.0, became a crowd pleaser in the last few years for its collaborative and social nature: wikis, MySpace, blogs, and other concepts such as user-supplied content and the "wisdom of crowds," have...
A2A Payments: Next Generation of Online Banking?
Ten years ago, online banking meant that a customer could view her account online, any time of any day. The next generation added the ability to pay bills from a PC desktop or via telephone or mobile devices. Now comes what could be the third generation...
Banks Plus Insurance: How to Make It Work
[ILLUSTRATION OMITTED] Four banks that took different paths to success share what they learned along the way H McCall Wilson, Jr., of The Bank of Fayette County, characterizes the between bankers and insurance people this way: "Agents eat...
Bank Value: All in the Mind
CEOs and their boards at many community banks share an odd, and not always collegial, dynamic. Frequently the CEO brought many of his or her directors to the board, and, though the banker works for the board, banker and board go through a great...
Better Websites Mean Tougher Compliance
It's the rare bank that does not have a website, and most banks have evolved beyond a basic information-only website that displays static information. The industry has moved from the innovator phase through the rapid growth phase to the current maturing...
Headliners, Authors Draw Banker Crowds
Patrick Lencioni has made a name for himself in business writing with a novelist's approach to common problems, typically capsulized in titles involving an odd number. So the author of The Five Temptations of a CEO and The Three Signs of a Miserable...
McFadden: Banker and Controversial House Leader
[ILLUSTRATION OMITTED] Nowadays ABA and other banking trade groups work hard to bring bankers to Washington. But Louis Thomas McFadden went most bankers better, not only bringing a bankers viewpoint to Capitol Hill, but bringing it right to the...
Noninterest Income Shoulders More of the Weight
In times like these, full of inverted yield curves, contracting margins, and asset quality concerns, noninterest income can make the difference between hitting and missing earnings targets. Every CFO knows this, and each one works diligently to maximize...
Should Non-Obligated Spouse Sign?
Q We are doing a loan for a commercial entity and the owner/principal has pledged his personal residence as a guarantee for this loan. We have a mortgage from the husband and wife, which both signed, but we only have a secured guarantee from the husband...
Talking Down Inflation-Markets Not Buying
ALL THOSE "IMPORTANT" AND "famous" economists that have been arguing for almost a year that inflation was not a problem for the U.S. economy seem to have changed their minds in the last few weeks; talk about being "data driven!" The basic problem of...
Telepresence: Costly, but Very Cool
[ILLUSTRATION OMITTED] When remote communication with image was purely out video conferencing, executives had to contend with herky jerky images, color issues, sound delays, and other annoying irregularities. No longer. If you don't mind a hefty...
The Headache: Questions Customers Ask Today
While large banks have communications staffs and 'spin control" for some of the uncomfortable news coming out these days, community banks typically have their own banking staff fielding the questions caused by today's rocky economy. We asked bankers...
Tough Time for That IPO: Currently, for Community Banks, the Gains of Going Public Are Eroded by the Cost of SOX, Subprime, and Other Deterrents
[ILLUSTRATION OMITTED] When people ask Earl McVicker can they buy stock in his bank--as they often do given its indexbeating performance--the answer is no. And that s how it will remain if McVicker, chairman and chief executive of Central Bank &...
Wisdom of Markets. Really?
THERE'S AN EXPRESSION USED IN connection with the internet, "wisdom of crowds." It comes from a 2004 book of the same name by James Surowiecki. In the context of the web, the message is, essentially, don't think you're smarter than the people who surf...
You Can't Beat Wal-Mart ... or Can You? If Your Industry Winds Up in Wal-Mart's Crosshairs, a Frontal Assault Won't Generally Win, Says a Former Insider. Here's Why Alternative Approaches May Help When Taking on the Empire
"Bankers' hours" haven't existed in decades, especially for community bankers for whom community service commitment ranks almost as highly as business involvement. Yet if Wal-Mart ever finds a crack that can be levered open to compete directly with...
You Never Really Know a Subject until You Teach It
COACHING YOUNG PEOPLE--TEACHING them, mentoring them, inspiring them--is one of the greatest opportunities anyone can have. I have done that as a high school football coach, and I know that coaches and teachers can make an important difference in the...
Your Audience Needs to Know Who You Are
This past summer, at the Graduate School of Banking at Madison, two students-one from Asia and the other from the Caribbean--asked for help with a problem common to many who are required to speak in public and whose accent, pronunciation or use of...
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