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. 102, No. 12, December

ABA's New Chief: Frank Keating
[ILLUSTRATION OMITTED] He's been on the job since Dec. 1, working with retiring CEO Ed Yingling, so Frank Keating will hit the ground running when he officially becomes ABA president and chief executive officer Jan. 1. In announcing the decision...
Bringing Santa to Bastrop: Texas Bank Couple and Elves Bring Holiday Cheer for over 20 Years
If you see "Strobo Santa" on Hwy. 304, you'll know you've arrived at Wexford Farm in time for the annual "Evening with Santa" presented by Cindy and Reid Sharp and friends. "Strobo Santa" is one of many decorations the Sharps accumulated over more...
Changing of the Guard
[ILLUSTRATION OMITTED] "Didn't we just do this?" said ABA's chief, lowering his tall frame into a chair in his office in that familiar semi-slouched position. Yes, actually, we did just do this--"this" referring to an interview--but the subject...
Finding Bad Eggs, at the Right Price: Balancing BSA Software's Costs and Promises
Up until recently, Morrill and Janes Bank and Trust found a "manual" approach to Bank Secrecy Act/anti-money laundering monitoring satisfactory for keeping tabs on customer activity. Even when the $580.6 million-assets bank, based in Merriam, Kan.,...
Foreclosing Foreclosure? They're Delinquent, but You're on the Hot Seat
One casualty of the current economic downturn has been the ability to move a default on a mortgage through the foreclosure process. Once a fairly routine procedure, legal challenges to what would have been routine foreclosures have exposed weaknesses...
How Good Is Your Service? Community Bank of the Future: A Continuing Series
BY STEVE COCHEO, EXECUTIVE EDITOR [ILLUSTRATION OMITTED] Michelle Gula makes her living serving community banks, and she's horrified. She personally mystery shops branches and she thinks some CEOs would be equally horrified to see what she sometimes...
Negative Advertising Hurts All Banks
Just about this time last month we finally came to the end of what the news media called a "withering" campaign. TV and radio were filled with negative advertising. In the eyes of some observers it was "the most negative campaign in recent history."...
Online Fraud: New Threats, Better Deterrents
As online transactions have soared, so has malware. According to an Online Banking Security Survey by PhoneFactor, a provider of two-factor authentication, 69% of respondents indicated an increase in attacks over the past 12 months. About half {51%)...
Paperless Branch within Reach: Going Paperless May Be the Next Best Thing since Branch Capture
[ILLUSTRATION OMITTED] For years bankers have dreamed of ridding their branches of the crushing piles of paperwork generated by even the simpler applications, such as new-account opening. Now a combination of forces--declining revenues, regulatory...
Q Does a Bank's Brand Matter? an Interview with Kathleen Rumfola, Senior Vice-President, ABA Brand Marketing
ABABJ: Why should a bank care about its brand? Kathleen Rumfola: A brand isn't just a tagline and logo. It's what your customers think you are; what they experience at your bank. A bank should care about how customers interact with their employees,...
QE2 Akin to Printing Money? I Am Shocked!
Every student who took Economics 101 and stayed awake during the lectures learned that the Federal Reserve has the power to create credit figuratively "out of thin air." The A-students also learned that the commercial banking system, not individual...
Rethinking Retail: Government and Market Forces Have Altered the Basic Retail Banking Equation of the Last Decade. New Approaches Are Emerging as Banks Focus on Value Creation
[ILLUSTRATION OMITTED] The retail banking business model is primed for change. For years, the retail banking earnings equation relied on stand-alone product profitability. Single-service checking customers could be profitable for a bank even if...
Rough Time for Out-of-Work Bankers: Former Execs of Failed or Troubled Banks Face Hurdles to Being Hired Elsewhere
[ILLUSTRATION OMITTED] Officially, CAMELS ratings are known only by the bank, its regulators, and one or two other confidential players. But the occasional hint gets on the grapevine. Case in point: A de novo banker looking for a chief credit...
Securities Blanket: Banks Thinking about Securities Brokerage Should Consider the Experience and Advice of Several Mid-Size Banks Already in the Business
[ILLUSTRATION OMITTED] With regulatory restrictions and increased compliance costs putting pressure on the top line, banks increasingly are eyeing securities brokerage as a source of revenue. Beyond that, expanded product offerings allow banks to...
The Defense Rests: After 25 Years in a Job That's like "Working in an Emergency Room," Ed Yingling Looks Forward to the Relative Calm of a Washington Law Firm. If That Doesn't Work out, There's Always Football
[ILLUSTRATION OMITTED] In the mid Sixties, St. Stephen's School in suburban Washington, D.C., ranked in the area's Top 10 in football and was known for its complicated defenses. A tall skinny guy with dark hair, who was a better basketball player...
The Headache: What Is Your Bank Doing about Boardroom Succession?
The online Pass the Aspirin has been hosting a discussion about bankers finding new directors as older ones retire. Add your thoughts to this and other Pass the Aspirin topics at www.ababj.com/blog/277.html Remedy 1: Build a "farm system" [ILLUSTRATION...
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