Stories Collection

  1. The way you treat a nonperforming loan matters more than you may think. Commercial ba...
  2. Sorry bankers, but the debit card business just got a whole lot tougher. Last April,...
  3. After two attempts at consensus among bankers and supervisors, the Basel Committee on...
  4. Once upon a time there was a woman named Jenny who stopped saving for retirement at 3...
  5. Buying Directors and Officers liability (D&O) insurance in today's tight market i...
  6. Canfield has 20 years experience in the quality profession. He now works at IndyMac B...
  7. Our name is relatively new, but our heritage is deep. The formation of eFunds Corpora...
  8. In remarks to bankers in July, Rep. Michael Oxley, chairman of the House Financial Se...
  9. "What do banks need now? How can we meet those unique needs in the future? What can w...
  10. Whenever a need arises within financial institutions for a new technology solution, J...
  11. SMALL, REGIONAL BANKS DAILY are handed little reminders that globalization has pretty...
  12. Most community bank executives see customer call centers as the complete opposite of ...
  13. The payment of insufficient funds ("NSF") checks is not a new concept. Historically, ...
  14. On Dec. 2, 2001, Enron filed for Chapter 11 bankruptcy protection as the result of al...
  15. The ABA Nominating Committee has announced its official slate of ABA officer and boar...
  16. IT'S ALWAYS REFRESHING TO hear a simple, straightforward statement from someone who k...
  17. We received 29 responses to our "Seventeen Horses" puzzle, not all correct, but quite...
  18. The typefaces look more modern, the subjects are often very different, and we use a g...
  19. After Enron collapsed, Congress reorganized American accounting. Its new leadership w...
  20. What's the best way to get the word out that your bank is the place to go for real-es...
  21. Linux (linn'-ux) started life about the same time that the world wide web did. It had...
  22. Robbery toolbox available ABA has unveiled a new complimentary Bank Robbery Deterr...
  23. "IF YOU DON'T LIKE THE PRESIDENT, it costs you 90 bucks to fly to Washington to picke...
  24. Some customers of Old National Bank, Evansville, Ind., have tried to Leave a tip for ...
  25. ECONOMIC GROWTH WILL PICK UP the pace in the second half, according to the ABA Econom...
  26. Regardless of what you think about instant messaging (IM), your organization is about...
  27. Renewed interest in the branch also involves changes that go deeper than the surface....
  28. Q. Let's say a hank is granting a construction loan. A second survey is needed to det...
  29. Less than three years ago simply trying to catch a snapshot of the growth of global p...
  30. In 1970, Merrill Lynch unveiled its bovine corporate symbol with a dramatic TV commer...
  31. Q. Is it still necessary to have the borrower(s') signature as an acknowledgement of ...
  32. Within the last several years a retailing concept known as "experience" marketing cre...
  33. If you have a management conundrum that you'd like input on, send it to Steve Cocheo,...
  34. Branches have mushroomed up in New York City, Atlanta, and Chicago as well as in new ...
  35. Compliance expert Mary Beth Guard is an amateur magician and she practiced her latest...
  36. BANKERS BELONG TO ABA BECAUSE they want effective national leadership--and representa...
  37. Any bank that gives out dog biscuits to drive-up customers who have a dog in their ca...
  38. IN WORKING ON SOME OF THE articles for this issue, it struck me how difficult it can ...
  39. We are delighted with the response we received to the "What Number Is It?" puzzle; 57...
  40. Never pick a fight with anybody who buys ink by the barrel, Mark Twain once warned, a...
  41. The hot mortgage market that has propped up earnings of so many banks in this country...
  42. There is fear today among community bankers nationwide. No, it's not because of secur...
  43. What's so important about the separation of banking and commerce? Would a banking-...
  44. Number-three S corporation performer Horizon National Bank is a banking organization ...
  45. Earning credit ABA has announced alliances with two leading universities that will...
  46. SafeHarbor, Satsop, Wash., believes strongly that one bad self-help experience can pu...
  47. Earning second-place honors in our rankings of S corporations is Piano, Texas-based B...
  48. Marketing has never been an easy discipline - part art, part science, characterized a...
  49. Two years after the hype around web services ignited like a roman candle, flared in t...
  50. ABN AMRO, Chicago, wanted its corporate clients to have more cash management service ...
  51. The issue of lenders' liability for the conduct of third parties has moved from the p...
  52. Sometimes numbers do lie. Colorado Federal Savings had an efficiency ratio of 744% la...
  53. With the public outcry for "transparency" and responsible financial reporting, what c...
  54. Banks with customer publications, be they simple black-and-white newsletters or gloss...
  55. PRESIDENT BUSH WANTED A bill that would deliver large tax cuts immediately, accelerat...
  56. Today's lending environment is a challenging one for bankers that wish to stay ahead ...
  57. You can talk about e-this and web-that, but over the years I've discovered the best m...
  58. "AS BANKS BECOME MORE CUSTOMER friendly, they also become more robber-friendly." N...
  59. Years ago, ABA initiated a program emphasizing the huge regulatory burden that banks ...
  60. CONVENTIONAL WISDOM states that the essence and effect of consumer finance is still c...
  61. If you have a management conundrum that you'd like input on, send it to Steve Cocheo,...
  62. Throughout the 1990s, banking's mantra -- besides mergers -- was diversification into...
  63. With cost control and process improvements as typical goals, outsourcing has always b...
  64. On April 29th, after nearly two and one-half years of debate, bank supervisors presen...
  65. MAYBE YOU SHOULD FEEL FLATtered. No other industry comes close to the kind of intrusi...
  66. If businesses are to succeed in today's price-driven market, it is critically importa...
  67. California community banker Charles Chrietzberg and his wife, Sandra, are serious mov...
  68. As the flood tide of market hopes receded, corporate frauds, like beached whales, wer...
  69. If you have an e-mail address, then you've noticed a sharp increase in the amount of ...
  70. Susan E. Rau is the President of Profit Solutions Associates, Bridgewater, N.J. She a...
  71. Bank regulators, industry experts, news legend Walter Cronkite and other prominent jo...
  72. It wouldn't make sense for a homebuilder to start with the roof and work his way down...
  73. The zeitgeist of 2002 was schizophrenic, impacted by the monumental and the frivolous...
  74. Former Federal Reserve Board Vice-Chairman Dr. Alan Blinder advised bankers to be ale...
  75. Put every dime of portable personal net worth on the line. Work hard all season. Watc...
  76. REMEMBER "STOCKS AND SOCKS"? That put-down line describing Sears Roebuck's foray into...
  77. Now in its seventh year, the 2002 Computer Crime and Security Survey shows that theft...
  78. Once considered a niche market confined to a few areas, multifamily lending is spread...
  79. HMDA AND 2000 CENSUS DATA Q. What is the effective date and the "look back" date t...
  80. Dan Stevens was flabbergasted. Stevens is chairman, president, and CEO of Home Fed...
  81. The Patriot Act has been in effect for more than a year and a half, which historicall...
  82. While American consumers are grudgingly kicking the habit of writing paper checks, ba...
  83. Keith Graveline of Bridgewater (Mass.) Savings Bank has a warm spot in his heart for ...
  84. HAVE YOU EVER HAD ONE OF those days when you think, "It just can't get any worse than...
  85. With core processing systems, to replace or not to replace... is (and perhaps has nea...
  86. Some banks' loan portfolio management groups have embraced offensive hedging strategi...
  87. Since 1935, the ABA Stonier Graduate School of Banking has helped bankers develop the...
  88. WHILE IT'S NOT ALWAYS EASY TO build banker consensus around the issues that face our ...
  89. ABA has announced an exclusive endorsement of Aon Integramark's debt cancellation sup...
  90. If you have a management conundrum that you'd like input on, send it to Steve Cocheo,...
  91. According to Central Casting, bankers are supposed to be those conservative, keep-you...
  92. LIKE THE UNRELENTING stalker in a B movie, fears about household debt simply won't di...
  93. No matter what your age, you probably still remember your first visit to the new McDo...
  94. YOU'LL RECALL THE NEWS STORY IN February about a hacker who gained access to millions...
  95. I sometimes use my five siblings--none of them bankers--as my own personal "focus gro...
  96. WHEN YOU BANG YOUR HEAD, what's your reaction? "Ow!" Which usually is immediately ...
  97. Judith Kincaid is a former Hewlett-Packard executive with a business and technology b...
  98. It's not unusual for community bankers to stand up and speak out on the competitive t...
  99. Across the last decade, financial piracy--a virus old as money--stripped the value ou...
  100. Surely any executive would love to know how satisfied the bank's customers are with t...
  101. AN INTERESTING DEBATE HAS EMERGED OVER WHETHER BANKS AND THRIFTS ARE SAINTS OR SINNER...
  102. Commerce Bank, Cherry Hill, N. J., already relied on Lotus Notes and Domino for e-mai...
  103. Experian white paper details the benefits that result from utilizing optimization dur...
  104. Lender liability is taking a new twist, as lenders are beginning to sue other lenders...
  105. Loan syndications and participations (together called "colending") have surged in pop...
  106. Banking, by repute, is a nice, clean-hands way of earning a living. Yet did you know ...
  107. Q. Is fee-based overdraft protection: a. A valuable customer service? b. A con...
  108. Never before has the competition for a share of the customer's wallet been more feroc...
  109. On January 22, the New York Times ran the headline, "Banks Encourage Overdrafts, Reap...
  110. ABA has announced its endorsement of the Certificate of Deposit Account Registry Serv...
  111. For over 10 years industry experts, trade organizations, and financial institutions h...
  112. BSA Penalties Q. Where can we look up the penalties, both civil and criminal, for ...
  113. LIKE WINE, CONGRESS HAS GOOD and bad years. One not-so-great year was 1951, when Cong...
  114. If you have a management conundrum you'd Like input on, send it to Steve Cocheo, exec...
  115. The finance industry has always been security conscious. Over the past few years, new...
  116. Small business customers and community banks go together like coffee and donuts...or ...
  117. Weighing in at 42.5 billion items a year, according to a Federal Reserve survey, trad...
  118. Reg. U and Closely Held Stock Q. If stock in a closely held corporation is accepte...
  119. Not everyone that signs up for online banking pays all their bills online, as nearly ...
  120. Bankers know that most financial crime involves an insider. A newly hired teller cash...
  121. Small businesses have been the backbone of American industry and history. From Henry ...
  122. The number of community bank with websites hasn't changed much in a year. More than t...
  123. Internet banking is an idea whose time has come. Large banks (used banks because it i...
  124. Errant employee use of e-mail can land your bank in hot water. Case in point: In m...
  125. Justifying the purchase of enterprise infrastructure isn't easy. In the past, it migh...
  126. THE ECONOMY WILL REGAIN momentum and healthy growth should return by midyear, the Ame...
  127. YOU'LL JUST HAVE TO TAKE MY word for it. The cab driver was not on the lunatic fringe...
  128. That technology increases access is an old story That this will continue, despite tem...
  129. As Richard H. Harvey, Jr. has found, life for a compliance officer in a web-based ban...
  130. The ABA Education Foundation has partnered with Atlanta-based ParentWare, Inc. to off...
  131. HOW DOES ABA DECIDE WHICH issues to work on in Washington? Who makes the final decisi...
  132. While the mechanics of pointing and clicking in brokerage accounts quickly took off i...
  133. After years of service, your long-standing credit insurance program probably delivere...
  134. Credit unions justify their continued tax exemption because they are "not-for-profit,...
  135. In the past, running a financial institution was much simpler. Bankers could focus on...
  136. Do you have a fair-lending compliance program in place? If so, is it adequate for mon...
  137. A joint project of the ABA Community Bankers Council and ABA Banking Journal Regai...
  138. INCLUDED IN THE COVER STORY this month is a small but telling slice of American histo...
  139. Like many large financial services firms, Metlife has grown by relentless acquisition...
  140. Warren Buffet will have to change one of his lines. For several years, the world's mo...
  141. It's loan committee day, and community bank CEO Albert C. "Kell" Kelly, is sitting in...
  142. As a consumer, you read a newspaper or magazine for information on war, the economy o...
  143. When the economy first faltered, investors became markedly more conservative -- and c...
  144. BSA Exemptions Q: Would a transaction, which would be exempt from CTR (Cash Transa...
  145. Around in one form or other since the early-nineties, fax servers, as a group, are ge...
  146. WITH THE ECONOMY WORKING through what Federal Reserve officials have called a "soft p...
  147. TO QUITE A FEW PEOPLE, THAT phrase would seem to be a contradiction in terms. As a ch...
  148. At a time when the liability for maintaining disparate systems is increasing--or, at ...
  149. Loan approvals are the bane of many bank directors' existence. This is the most uncom...
  150. The move to real-time, online transactions is gathering speed. But most payment-based...
  151. Even while the government spends billions to keep farmers in business, a University o...
  152. e-Business 4.0 refers to what is, arguably, the unfolding fourth wave of business pro...
  153. With an estimated 22 million households banking online, (1) Internet banking has prov...
  154. Anyone who's seen the O'Reilly Factor on Fox News knows there's a market these days f...
  155. Customers are interacting with financial services institutions (FSIs) in virtually ev...
  156. Corporate governance, for banks large or small, always important, has been thrust to ...
  157. Slow but steady no longer wins the race in retail banking. The tortoise doesn't stand...
  158. WE OBVIOUSLY DON'T KNOW how the retailers' class-action lawsuit against Visa and Mast...
  159. There are times when small changes can lead to big--or big enough--results. At lea...
  160. If advertising aims to tap into consumers unconscious minds, it succeeds when consume...
  161. Visa recently announced that its debit card transactions now exceed Visa credit card ...
  162. As you well know, the landscape of the financial services industry is changing at a d...
  163. Helping bank trust officers meet demographic trends, social changes, increased client...
  164. AT THE ABA's CONVENTION LAST month in Phoenix, I became the 2002-2003 "chairman" of t...
  165. THE FUNDAMENTALS FOR A sustainable, low inflation recovery are in place, yet markets ...
  166. Look in your wallet. Among your credit cards, health insurance card, cash, and variou...
  167. THE HEADACHE Over the last year or so, bank asset-liability management, always a cha...
  168. Ensuring customers are satisfied while keeping costs low is the rallying cry of every...
  169. John M. Rusnak turned out to be the foreign exchange trader who couldn't shoot straig...
  170. Q: "Web services" and "thin-client" computing is all you hear about now. One might ge...
  171. When it comes to taking novel technologies from the boardroom to the portal, identify...
  172. Whether large scope and "customer facing," or small in size and about internal proces...
  173. Bank officers began to be concerned about the ability to retrieve and reconstruct rec...
  174. The mass affluent market segment is large, growing--and highly underserved. Serving t...
  175. Commercial lending is the largest profit center in most wholesale banking businesses....
  176. Financial services institutions (FSIs) around the world are in the constant process o...
  177. The experts state the best way to prevent crime at ATMs is to pay attention to the th...
  178. Among the top 200 U.S. financial institutions, e-banking (via the internet) is a "mu...
  179. In the mortgage industry, there are significantly higher revenue and margin opportuni...
  180. Banks can now get a quicker response on their employee background checks through ABA'...
  181. "I WORKED REAL HARD TO LEARN TO play first. In the beginning, I used to make one terr...
  182. For Rick Kolkman, a whole new line of business was set in motion when, one day on the...
  183. Never do so many amateurs attempt to play professionals as when your board attempts t...
  184. For most banks, small business is a mainstream market, a source of low-cost deposits ...
  185. If you have a management conundrum you'd like input on, send it to Steve Cocheo, exec...
  186. The retail innovator that gave us Slurpee and Big Gulp soft drinks has decided to get...
  187. Say "Tupelo, Miss.," and most people, if they know the place at all, will think of on...
  188. ABABJ spoke recently with Bob Shear, chief technology officer of GreyStone Solutions,...
  189. "Credit unions are our invisible competition," a community banker declared to a group...
  190. Don't even consider stock options for your officers, directors, and employees unless ...
  191. History On October 21, 1996 the Federal Reserve Board "approved the use of certain...
  192. Could be you, says OCC Chief Counsel Julie Williams. Better read on... For some ti...
  193. Think of a career with unsociable hours, such as banking....Banking? Yes, if you f...
  194. William W. Streeter THAT IS AN INCREASINGLY familiar sentiment among bankers regar...
  195. The proposed new standards of bank capital regulation, termed Basel II in recognition...
  196. THE FEDERAL RESERVE RECENTly proposed a new alternative short-term borrowing mechanis...
  197. Item: Your most productive commercial Loan officer tells you that he has waived the f...
  198. As business decisions go, it seemed like an obvious one for Ron Kukes. It was the su...
  199. REFIS AND MORTGAGE SERVICING DISCLOSURE Q. Are mortgage servicing disclosures nece...