Independent Banker

Founded in 1950, Independent Banker is a monthly trade magazine published by the Independent Community Bankers of America.

Articles from Vol. 47, No. 9, September

A New Paradigm
Bankers must embrace the world of cyberspace soon Imagine watching a huge real estate development going up in your area-an area where your bank once had a strong presence and was a leader in its own right. And, before the development is even complete,...
Read preview Overview
A Time to Rest, Fight
I have really enjoyed this summer and hope that you have. It is a time when families spend vacations together, and my family has been no exception. And, these times are particularly important when teen-age children begin a new and independent path. For...
Read preview Overview
Big-Kid Toys
Community bankers do more than work in banks. Their interests are as diverse as their geographic locations. Most are active in their communities and religious organizations, and many have acquired some strange assets. (Some even acquired on purpose!)...
Read preview Overview
Consulting Engineers
The people who design solutions The major components of America's infrastructure-roads, bridges, tunnels, sewers, hazardous waste disposal systems and othersmake people's lives safer, cleaner and more comfortable. These engineered structures also give...
Read preview Overview
How the CDFI Fund Works
The Community Development Banking and Financial Institutions Act of 1994 authorized the creation of a new agency within the U.S. Treasury Department-the Com-munity Development Financial Institutions Fund. The primary purpose of the CDFI Fund is to implement...
Read preview Overview
Improve You CRA Rating-And Make Money Too
Public and private sectors help fund development initiatives Since community bankers have always understood that serving the credit needs of small businesses and low-income households can be profitable, many people look to community banks to develop...
Read preview Overview
Painting Contractors
With the increase in the do-ityourself movement fueled by the large hardware outlets, many people may wonder whether there is any reason to still hire a professional painting contractor. The answer is that from the largest steel structure, to the smallest...
Read preview Overview
Perfect Pricing
Ways to approach pricing your bank's services Giving advice about pricing puts me in a precarious position. Only you really know your market situation-competitive environment, customers and bank goals. So, treading lightly, I offer some approaches to...
Read preview Overview
Pop Quiz Today!
If you previously thought many rural properties would not qualify for financing, check the latest guidelines. Or better yet, test your knowledge by reading these underwriting scenarios and guessing which ones would be approved. Then, compare your responses...
Read preview Overview
Profile in Courage
Serving the banking needs of the economically disadvantaged City National Bank in Newark, N.J., was founded by Charles L. Whigham in 1973 because he recognized that big banks in his community turned a cold shoulder to the credit needs of African-Americans...
Read preview Overview
Quelling Rebellion
Ten tips for smoothly adopting a sales culture Cross-selling. Sales culture. Personal sales. Sales management. These are a few of today's most popular banking buzzwords. Most banking publications in recent years are filled with articles praising the...
Read preview Overview
Reach Out
Build partnerships to expand your financial planning resources As you work with your customers on their wealth management needs, whether it be estate planning or asset gifting, your banking expertise plays a critical role. But to help them with all of...
Read preview Overview
S Corporation Taxes
Target passive income to avoid a bigger IRS bite The new S Corporation tax rules for banks are complex and have not yet been fully defined by the Internal Revenue Service. However, it is clear that S Corporations with excess passive income, which may...
Read preview Overview
Software to Trust
Applications that help provide wealth management services As community bankers evolve from being traditional account keepers to progressive wealth managers, they often use their trust departments to provide leading edge investment services. They need...
Read preview Overview
Striding toward the Future
Iowa banker bob sierk runs on energetic optimism Like a power-walker homing-in on a distant finish line, Bob Sierk strides through Iowa City, Iowa's downtown pedestrian plaza on a breezy, sunny morning. At 6-feet-2inches tall, his swift and long-flowing...
Read preview Overview
Success by Design
Superstores and technology help shape new bank interiors Some might think the biggest threat to community banks is a big, bad super-regional with massive ATM networks, up-all-night telephone banking options and cobranded credit cards. But Dave Jaeckels...
Read preview Overview
The Printing Industry
Meeting change in technology with capital investment he printing industry is America's biggest small manufacturing business. More than 52,000 printers operate throughout the 50 states, creating one of the most geographically dispersed manufacturing sectors...
Read preview Overview
Tick, Tock, Tick
Community bankers have always juggled lots of duties. But you probably wear more hats today than ever. You attend more meetings and work longer hours, perhaps making you feel there aren't enough hours in a day to get everything done. Then, after work...
Read preview Overview
Updating Rules
EBT, finance charges and nondeposit product disclosures addressed ELECTRONIC BENEFITS TRANSFER Issue: Proposal to establish new regulations for federal Electronic Benefits Transfer payments. Agency: Treasury Department, Financial Management Service....
Read preview Overview