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. 6, November-December

A Case for Optimism
IN NORTH CAROLINA, 2017 will be remembered for the wave of mergers it brought. This year, more than 20 percent of the banks headquartered in North Carolina either merged with other banks in the state or were purchased by out-of-state banks. We are...
Adapting to Survive: How Community Banks Are Making Changes to Their Ownership and Operational Structures to Remain Independent in a Consolidating Environment
It's a basic tenet of biology that organisms adapt to survive. Over millions of years of evolution, the species that exist on our planet today are the ones that have successfully adapted to shifting climates and conditions. And what's true for biology...
Bankers Find Going Green Makes Sense
IN JULY, 11 GLOBAL financial institutions including Citigroup, TD Bank and Banco Santander announced a pilot project to address financial risks associated with global warming. The project's goal is to implement recommendations for financial reporting...
Bankers in Boston: Bankers Gathered in Boston, Mass, in July for ABA's Annual Summer Leadership Meeting
LEADERSHIP AGENDA ABA's annual Summer Leadership Meeting brought together ABA's board of directors, state association executives and banker leaders of several ABA councils and committees for three days of networking, strategic and policy discussions...
Can I Keep a Copy of a Customer's ID on File?
Q: I am working for a new bank and am being told that Section 326 of the Patriot Act (the Customer Identification Program rule) requires that banks keep a copy of the ID that the customer provided. I have heard that many small banks such as ours keep...
Choices and Options Down on the Farm: As Interest Rates Move Up and Commodity Prices Stay Low, Bankers' Use of the Secondary Market Is Evolving to Focus on Fixed-Rate Products
With interest rates expected to continue their way up--and with an overhanging risk of volatility--Northwest Financial Corporation President and CEO Jeff Plagge knew his agricultural customers would be looking for solutions. "We really started looking...
Community Banking: GROWING UP IN West Texas, I Saw and Learned First-Hand from My Father the Positive Impact That a Community Banker and a Community Bank Can Have on People's Lives
This is an inspirational lesson that many of you have learned from your mother or father as well. And it may have been the tipping point in your pursuit of banking as a professional calling. I know it was for me. In 1998, I started my own bank--FirstCapital...
Courts Stay Strong on Statute of Limitations
THE LAWS SURROUNDING the federal statute of limitations have been well established for years. But recently, the Securities Exchange Commission and the Consumer Financial Protection Bureau have attempted to go back on years of legal jurisprudence and...
Demystifying SBICs for Community Banks
With nearly $690 billion in outstanding loans for small businesses in 2016, banks have a proven track record of successfully providing credit for small business owners and entrepreneurs. For nearly 50 years, one way banks have done this is through...
Eager or Not, Every Board Needs an M&A Strategy
Banks and their boards run the gamut in their attitudes toward mergers and acquisitions, with some actively looking for deals, some open to the right partner and some determined to go it alone. One thing they have in common is that even the most independent-minded...
Five Tactics for Successfully Converting a Debit Card Program
Bank leaders are constantly on the lookout for ways to increase their non-interest income, and one option is to switch debit card programs. But change isn't easy. We talked to three bank executives who recently moved to a different debit card program...
Four Ways Employee Intranets Become Platforms for Innovation
The leaders of today's financial institutions are focused on process and system efficiency in order to cut costs, improve services and ultimately outpace the competition. Most recently, the expansion of fintech has supported these efforts by allowing...
Funding the Future of the Financial Industry
BANKER MIKE PATE is a longtime public servant with a passion for industry advocacy. As an elected member of his local school board, he understands the ins and outs of political campaigning. And as a banker for more than four decades, he has been closely...
J.P. Morgan, Railroad Referee
BANKERS DO A lot more than just accept deposits, make loans and underwrite securities. They give advice, warn clients against dangerous strategies--and even sometimes act as referees. Such was the case of the Pennsylvania and New York Central Railroads,...
More Than Just a Drink: Banks Turn to Cafe Culture to Reimagine the Customer Experience
Pour-over, cold brew, nitro or drip--the art of brewing coffee has reached new heights in recent years for bean lovers around the world and, in most cities, the coffee shop is as ubiquitous as the corner store. But "cafe culture" isn't just for java...
On the Front Lines of the Bank Talent Wars: While Rising Salaries Remain Key Theme of Recent Survey, Signs of Stabilization Appear
A new survey of bank executives indicates that the competition for talented employees is likely to continue in the near term. At the same time, though, there are signs that the demand for employees could be starting to ease slightly, and some banks...
Pitching in Meet Ken Burgess, a Quiet but Determined Advocate for America's Banks
Even in the springtime, the unclouded Midland, Texas, sun cooks things up to more than 90 degrees. Blistering winds roar up from the south, rattling the window panes in Ken Burgess' office on the 12th floor of FirstCapital Bank Plaza. Extending to...
Unsustainable Global Debt?
DEBT CAN BE a good thing, but too much of it can be a problem The Great Recession is a prime example of borrowing by households well beyond the growth in income. In the seven years before 2007, household debt the U.S. rose 40 percent (relative to GDP),...
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