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. 110, No. 2, March-April

A Bankerless Bank Hub: How One Bank Developed a Creative Storefront Solution for Small Businesses' Cashflow Needs
I want to move all my business to you," Laura Massenat told Jill Castilla. They were sharing drinks at Massenat's Elemental Coffee in one of Oklahoma City's hippest neighborhoods. Castilla was surprised--her bank, Citizens Bank of Edmond, has a single...
An Advocate for All Reasons: ABA Government Relations Council Chairman Jeffrey Ball Brings a Broad, Practical Perspective to Advocacy
Jeffrey Ball--like many community bankers--is an advocate. For customers. For the community. And for the banking industry. Ball is the president and CEO of Friendly Hills Bank, a $125 million institution based in Whittier, California, that serves...
Bankers Spread Awareness for New Military Retirement Plan
THE U.S. DEPARTMENT OF DEFENSE has transitioned to a new blended retirement system" that will cover all service members entering the military on or after Jan. 1, 2018. The BRS plan includes an automatic contribution and matching contribution from the...
Change Is Coming to the TBA Market: Big Changes Are Coming to the Residential Mortgage-Backed Securities Market in 2019. Will You Be Ready?
Freddie Mac and Fannie Mae will begin to issue a common mortgage-backed security through the Common Securitization Platform in the second quarter of 2019. Investors, dealers, vendors, and seller/servicers must get prepared in early 2019 for this combined...
December Brings Year-End Tax Reform Victory
"Congress made history by giving final approval to the most significant changes to the nation's tax code in more than three decades. The changes in this bill, particularly the reduction in business tax rates, will help grow the economy and create jobs,...
Disaster Recovery and Lessons Learned
CATASTROPHIC. UNIMAGINABLE. Those would be the words anyone living in Puerto Rico would use to best describe the situation after Hurricane Maria hit the island, and how it probably will continue to be for months to come. The immediate damage included...
Do We Need to Notify Customers If We Remove a Pre-Payment Penalty Clause?
Q: We recently acquired another financial institution. Its loan portfolio contains home equity loans with pre-payment penalty clauses. We would like to remove the pre-payment penalty clause or not charge borrowers the pre-payment penalty. If we can...
From Making Loan to Making Laws: Elected Officials Shape the Future of Banking Policy. It's Time for Bankers to Step into the Arena
Bankers across the country participate in advocacy every day, from state legislatures to the halls of Congress. The challenge they face is almost universal: how to explain the business of banking to lawmakers who may not have a clear understanding...
How a 'Generous Skinflint' Restored America's Fiscal Reputation
SKINFLINTS CAN BE generous too. Consider George Peabody (1795-1869), one of this country's first international bankers, living in London the last 30 years of his life. Born poor in Danvers, Mass. (now renamed Peabody in his honor), he never quite got...
How CFOs Can Drive Success in Digital Transformation
Has your bank ever made a big push on new consumer-facing technology or a new digital strategy--only to be disappointed when the investment doesn't seem to make difference? You're not alone. Across the board, 77 percent of companies that have implemented...
Meet Trump's Regulatory Team: President Trump Has Largely Filled out His Financial Regulatory Appointments. Meet the Men and Women Who Are Reshaping Bank Supervision
After a slow start, most of President Trump's nominees for financial regulatory posts are in office or on their way to confirmation. One thing many of them share: experience working at banks, which was rare under the previous administration. Together,...
Next Gen Advocacy
I KNOW MANY of you have heard me talk about the importance of political advocacy. It's a topic I am passionate about. It's something I believe in. And it's something I like to encourage. If more of our nation's two million bank employees became...
Staying Close to Farm Customers: With Midwestern Grain and Row Crop Commodities Continuing to Trade in Lower-Price Bands, Producers' Ability to Manage Price Risk Takes on Growing Importance
For ag bankers and their clients in row-crop production regions, such as the corn-, beans- and wheat-heavy Midwest and Great Plains, a key factor to look at every harvest season is the USDA's projected carryout. That's the amount of product left...
Subordinated Debt: A Stritegic Capital Choice for Mutuals? Mutual Banks Are Increasingly Exploring the Use of Subordinated Debt as a Vehicle for Growing Capital and Enhancing Strategic Choices
Depositor-owned mutual banks--which have long faced the competitive challenge of building capital solely from retained earnings--have historically run high on capital levels. Building capital through retained earnings is slow work, so mutuals need...
Taking the Reins on Grassroots
ABA recently welcomed Rob Engstrom as chief political strategist, responsible for overseeing the critical components of the association's political engagement operations, including BankPac, the independent expenditures program, grassroots advocacy...
The Present and Future Payments Ecosystem
The payments ecosystem has grown more diverse as technology has improved and new ways to pay have been introduced to the market. A combination of emerging technologies and rising customer expectations are driving these changes. Financial institutions...
The Weeble Wobble Bureau
IN THE 1970S, most children knew the familiar catchphrase "Weebles wobble but they don't fall down." Weebles were popular egg-shaped toys with circular bottoms and painted faces. They were weighted at the bottom so that if they were pushed over they...
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