Independent Banker

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

Articles from Vol. 45, No. 2, February

And for out Next Act
Here's your dilemma: You know marketing is important, but your bank's small size doesn't allow you to devote the staffing and resources to the marketing function that you would like, let alone the other important aspects of the business.What's the answer?...
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Are Banks Dead?
It is widely believed that commercial banking is a declining industry. Two factors are often cited to support this contention. First, nonbank credit alternatives have grown rapidly the last 15 years. Second, in the late 1980s, banks-experienced record...
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Being the First to Image Has Its Advantages
While most community banks are still debating whether or not imaging is worth the high start-up cost, a rural Iowa bank makes a strong case that the investment is well worth the money.American State Bank's check imaging system is doing so well that it...
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Building a Partner Relationship
Community banks have learned a lot about mortgage wholesale-correspondent relationships the last two years. For some banks that fund and sell closed loans, the experience has been positive. For others, the lesson has not been a happy one.The refinance...
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Defining the Community Bank
The community bank.It's right up there with baseball, apple pie and the flag.Community bank. The warm, fuzzy term that's a favorite of every bank marketer and writer of bank advertising copy.It's banking's No. 1 marketing buzz term. Two words that endear...
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IBAA to Create Electronic Funds Transfer Division
Rising to the challenge of harnessing technology to lead community banks beyond 2000, the Independent Bankers Association of America plans to announce the creation of an electronic funds transfer division.The division--to be launched by mid-1995--will...
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Keeping Small Banks Competitive
When IBAA Bancard Inc. renewed its five-year W contract with Equifax Card Services, it underscored how this cooperative arrangement has kept community bankers competitive in the credit card industry."In 10 years, we have achieved collectively what individually...
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Managing the Lending Function
In discussions about bank director liability, there is a strong temptation for some commentators to emphasize the exotic tales of peril and personal tragedy spawned by the efforts of overzealous lawyers and bank regulators. There have been numerous instances...
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Much the Same, Just a Different Name - Part 2
EDITOR'S NOTE: When asked to name their competition, community banks often place credit unions high on the list. This is the second in a series designed to help community bankers better understand the challenges posed by credit unions.Credit unions today...
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Planning for Long-Term Charitable Pledges
Consider this scenario: Thrifty Bank's CEO walks into the office of the local college president and proudly announces his bank's pledge to the college's capital campaign fund. The college president thanks the bank CEO profusely for agreeing to contribute...
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Start-Up Bankers Exchange Ideas, Solve Problems through Get-Togethers
The mentality in banking that bigger is better often works against community bankers. For a group of bankers in Illinois, however, that attitude is revitalizing the spirit of community banking.The chief executives of 10 start-up banks in the Chicago...
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Sticking to Basic Principles Helps Alabama Bank Prosper
Sometimes a start-up bank can flourish simply by relying on the basics: know the community and concentrate on superior service.That has been the case for an $180 million-asset Alabama bank, First American of Decatur, which has grown 15 to 20 percent...
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