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. 109, No. 5, September-October

Ag Lending Grew in 2016
Farm banks increased their agricultural lending by 5.3 percent in 2016 and held $103.4 billion in ag loans at year's end, according to ABA's annual Farm Bank Performance Report. Despite overall declines in farm income, farm banks continued to maintain...
Be a Leader, Be a Listener
EARLY ONE MORNING several years ago I was in my kitchen, coffee cup in one hand, PowerPoint deck in the other, speaking to the rapt audience of the refrigerator, the sink and the stove. I was practicing the "state of the business" update that I would...
CRE Q&A: Jason Pendergist
It wasn't long after receiving an MBA in Finance and Entrepreneurship from the University of Colorado Boulder that Jason Pendergist found his way into banking. After more than a decade of service at two of the country's largest banks, Pendergist joined...
Finding the Perfect Niche: Meet ABA Treasurer George Hermann, an Optimistic Ambassador for Mutual Community Banks
George Hermann is an optimist. In a time of industry consolidation, he sees a chance to work with talented bankers. In a state that faces some economic headwinds, he continues to find business opportunities. And in a time of technological transformation,...
From Young Americans to Entrepreneurial Citizens
Are today's young people adequately prepared for adulthood? The topic is debated in bestselling books like Sen. Ben Sasse's The Vanishing American Adult and Meg Jay's The Defining Decade, played for laughs in movies like Knocked Up and The 40-Year-Old...
How Credit Cards Fueled Global Economic Growth
THE FRANKLIN NATIONAL BANK, founded in 1926 on New York's Long Island, had a well-earned reputation for banking innovation. It had introduced junior savings accounts in 1947 and drive-up teller windows in 1950. It later introduced the ATM and certificates...
In the Hot Seat
NATASHA TAFT THOUGHT she was just doing her job. As chief compliance officer for the New York branch of the Agricultural Bank of China, she filed a whistleblower complaint in response to the bank's refusal to correct BSA violations she discovered:...
Is Outsourcing It Security Right for Your Bank?
In today's dynamic landscape, the risks faced by financial institutions are substantial. Cyberattacks, computer system failures and natural disasters are just a few of the nightmare scenarios keeping bankers up at night. And for good reason. Institutions...
Let's Talk Payments: Findings from the 2017 Payments Strategy Survey
With more and more consumers turning to mobile payments, new technologies changing how banks and fintech entities interact and competition from all corners of the marketplace, it's a new world of payments. We asked 200 plus banks what strategies they...
Looking at Fintech through the Legislative Lens: A Conversation with Congressional Financial Technology Leader Randy Hultgren
As banks continue to adapt to an ever-changing fintech landscape, lawmakers are similarly working to define their approach to innovation policy. We recently sat down with House Financial Services Committee member Randy Hultgren (R-III), co-chairman...
Making Friends with Fintech: Strategies for Successful Bank-Fintech Partnerships
When the wave of new fintech startups burst onto the scene several years ago, announcing themselves loudly as disrupters of the banking industry, bankers rightfully worried. How would these new players affect day-to-day business? How would they be...
Marketing's New Mission: Engage and Entertain: Insights on Brand Storytelling from Emmy Award-Winning Expert David Beebe
Ever heard of an Emmy-winning marketer? Meet David Beebe. His long list of awards and accolades includes a couple of Emmys from his time running the content studio for Disney/ABC Television. And it all makes sense when you see his work as a branded...
NOAH: The New Housing Acronym You Need to Learn
CURRENTLY, MORE THAN 11 million renter households spend at least half of their income on housing. And, according to the latest The State of the Nation's Housing report by the Joint Center for Housing Studies of Harvard University, the number of rental...
Picture This
1 A delegation of Georgia bankers meets with FDIC Chairman Martin Gruenberg in the FDIC boardroom during their Washington Visit in May. [ILLUSTRATION OMITTED] 2 ABA Chairman Dorothy Savarese testifies on regulatory reform before the Senate Banking...
Plug and Play Four Ways to Level Up Your Mobile Banking App: From P2P Payments to Insights from Behavioral Economics, New In-App Solutions Enhance Your Mobile App's Value and Deepen Customer Engagement
For a growing share of bank customers--especially millennials and their successors, Generation Z--mobile banking is where they will engage with their customers most frequently. According to Federal Reserve figures, 43 percent of bank customers use...
Ready, Set, Report! A Big-Ticket Checklist for Compliance with Impending HMDA Requirements
Do you remember the Supermarket Sweep game show, where the contestants would anxiously stand ready with their empty shopping carts, waiting to hear "Go!"? In a timed race, that word would trigger their excited run around the store, frantically filling...
The CECL Ripple Effect
With the Current Expected Credit Loss standard for loan loss accounting set to go into effect starting in 2020 for SEC registrants (and in 2021 for all other banks), financial institutions still have time to consider where CECL's ripples will appear...
The Strength of Storytelling
FOR KEN JOHNSON, president & CEO of North Shore Bank of Commerce in Duluth, Minn., success in advocacy starts with sharing stories. "One of the things I focus on is trying to figure out what's unique about us, and then share with lawmakers why...
The Top Fintech Trends Driving the Next Decade: From Digital Lending and Next-Gen Authentication to Artificial Intelligence and Internet-Enabled Devices, These Six Trends Will Shape the Future of Financial Technology
Ten years ago, when Steve Jobs unveiled the first iPhone, few predicted that it could become the primary platform by which customers interact with their banks. New technologies are rapidly changing the way customers consume all of their products and...
Three Elements of Bank Leadership
There are as many paths to the community bank C-suite as there are bankers in those jobs. Some rise through the ranks at a single institution. Others move from bank to bank as they build their skills. Still more make a move from a regulatory agency,...
What Does the Tyrannosaurus Rex Say to the Triceratops?
NOTHING. THEY'RE BOTH LONG GONE. Dinosaurs Video Rental stores Netflix. Each has been invoked in warnings to banks: Evolve. Disrupt or be disrupted. Keep pace or experience a new kind of ice age moment--losing relevance. [ILLUSTRATION OMITTED] ...
When Must We Retain Records for an Informal Loan Qualification Request?
Q: We do not have official pre-qualification program in place. Instead, customers will usually contact a lender on a random basis to find out how much they could borrow if they decide to begin searching for a house. The lenders do not obtain credit...
'You Have to Be Bionic': Wealth Management Today Should Be More Six Million Dollar Man and Less the Terminator
Wealth management, like other sectors of the banking industry, is confronting a major question: What exactly is the right blend of human and digital resources to bring to bear in best serving clients? Should wealth management services be purely...
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