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. 2, February

ABA Works on CRE Guidance
WHEN BANK REGULATORS FINALIZED their commercial real estate lending guidance in December, it was the end of a long but effective public comment process--one that I think provides a model for how regulatory policy should be made. A quick look back:...
Apres le Deluge!
THERE'S A SCARY SCENARIO making the rounds these days that goes something like this: The boom in house prices over the first half of this decade created trillions in real estate wealth, which Americans feverishly tapped to buy cars, big-screen TV's...
BSA/AML Troubles: Fixing Them, Finding Them, Foregoing Them
Headlines concerning penalties and public enforcement agreements notwithstanding, Bank Secrecy Act/Anti-Money-Laundering debacles remain relatively rare in the banking industry. Indeed, 98% of financial institutions don't have any significant enforcement...
C&I Lending Helps Push Loan-to-Deposit Rates to 4-Year High
An uptick in commercial and industrial loans being held on balance sheet, and a slowdown in deposit growth pushed bank loan-to-deposit ratios to a four-year high at the end of the third quarter. The ratio was 89.22% for all commercial banks in the...
Customer Loyalty: Elusive, but Critical: To Create a Cadre of Customer Advocates, Focus Your Efforts on "The Three Rs"
The rapid adoption of online banking, electronic bill payment, and remote deposit capture is accelerating the movement away from personal contacts. Customers like the choice and convenience, but what happens to relationships as they increasingly transact...
Electronic Billpay Usage Heats Up: Hands-On Marketing and No Fees Have Finally Pushed This Customer-Sticky Service into the Payments Mainstream
At last, your average Joe and Jane are signing up for electronic bill payment--and so are their twenty year olds. Sure, the "e way" is still an activity of a highly publicized minority. An estimated 12% of U.S. checking account holders take care...
E-Mail This!
NO, WE'RE NOT GOING OFF ON A digital rant. On the contrary, the headline is meant literally. If you're reading something in ABA Banking Journal and want to share it with a colleague, you can do it in 37 seconds. We timed it. There is one catch....
Grabbing Zoomer Business with Analytic Tools
Nevada State Bank, with 72 branches and $4.1 billion in assets, is doing great business in the and desert landscape of Las Vegas, which is "more normal than everyone believes, despite the strip," and is experiencing splitting-at-the-seams growth, in...
Howard Boyle Takes His Best Shot: Ohio Banker Combines Love of Traditions with a Willingness to Improve on Accepted Approaches. This Helps in His Banking, His ABA Leadership, and His Winemaking
Ordinarily, Howard Boyle is a pretty obliging fellow, a classic, can-do community banker. But he's not fully cooperating today, and you just don't argue with someone who's got a six-pounder field cannon standing behind him, a Colt Navy revolver strapped...
If You Liked Credit Unions, You'll Love Farm Credit's "Horizons"
If the members of the Farm Credit System had their way, they'd be competing with banks that are miles away from farm country for loans that have about as much to do with agriculture as a whale does with the Colorado River. This is the warning that...
Inside the Mind of the Serial Acquirer: In Which We Look at Two Very Different, but Successful, Models for Growth by Acquisition
Many banks want to do an acquisition, and many do, but it's a stiff learning curve, says Terrance "Terry" McCarthy, senior executive vice-president and chief operating officer of First Banks, Inc., Clayton, Mo. "You're better off if you do it regularly,"...
Jump beyond GAAP: How Productivity Metrics-Used in Other Industries-Could Give Banks a Competitive Leg Up among Investors
Like other companies, banks have different outfits to wear in public. As a retired CFO once confided, We had three suits: one to impress regulators, another to attract investors, and the last--most important of all--to deceive ourselves." Banks'...
More Branches ... Again
Despite the increasing popularity of online channels and electronic payment technologies, banking institutions charged forward with branch investments in 2005 and 2006, spurred by the continued growth in deposits and households in many regions of the...
On Being Relevant, and Real-Time
A large West Coast-based financial services provider, barely taking pause after a branch building spree and strategic push East, is in the midst of gradually expanding a branch-based cross-selling campaign designed to generate organic growth by being...
Remedies in Print: The Books Bankers Live By
Perhaps it's mere fancy, but we'd like to think that shortly after the wheel was invented, the business-improvement cave painting followed. The title might have been something like Who Moved Your Wheel? or maybe Spinning Your Wheel Into Success. ...
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