Independent Banker

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

Articles from Vol. 50, No. 8, August

A Win-Win Card Option
A Total Card Management pioneer talks about her choice in the communitybank credit card program One of the biggest issues facing community bankers today is competition. How can you offer the same products and services that mainstream big banks offer...
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Blueprints for Success
Reliable plans to add or grow your bank's products and services Most community banks today are serving communities well and generating a solid return for their shareholders. Such results don't come accidentally but through planning, focus and execution....
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Boost Your Purchasing Power
Tap into the savings, dividends and quality products in the ICBA Purchasing Guide It was one of those stories that was just too good to be true-but it was true nevertheless. When Bill Rosacker signed up for the ICBA/Thomas Cook Foreign Exchange Program-one...
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Changing the Marketing Mix
With new formulas, banks cook up marketing responses to growing competition, products and technology Not long ago, community bank chefs typically followed an unwritten, if predictable recipe for their marketing creations. Start with a generous portion...
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Creating New Entities
Discussing rules for talking ATMs, financial subsidiaries and holding companies ATM Add-Ons Issue: Proposal to require that all ATMs provide audible and visual instructions, as well as verification of customer inputs via headsets and other aids, to assist...
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Generating Profits Online
Continually promote your Web site and enhance Internet services Everyone agrees-your bank must have a Web site and offer online banking services to remain competitive. But an effective Web site requires a substantial long-term commitment. Internet banking...
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Get'em Motivated
Creative sales incentive programs jumpstart employee morale with bank revenues What do you do at the end of the day after sorting through your product brochures, reviewing your target customers' demographic profiles, tweaking your product offerings and...
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Handy and Fast
New homelending Web site brings convenience and speed to bankers and consumers The unmatched speed of the Internet, combined with the convenience of a range of electronic mortgage products and services, offers community bankers new opportunities for...
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Hedging Your Risks
The case for derivatives in community banks for smart balance sheet management Over-the-counter derivatives, those instruments that excite fear and wonder among market professionals and novices alike, have grown from their late 1970s, early 1980s origins....
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Internet Banking Decisions
Follow the 10 lessons from pioneers who have gone before We can always thank those pioneers in any industry who move ahead of everyone else by attempting to gain an edge. They trudge into uncharted territory, spending tons of money while setting the...
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Lifelong Learning
Continuing education throughout the year strengthens your bank's competitiveness Community bankers know that ongoing education is key to a secure, productive future in an industry that faces new challenges and changes every day. Regulations grow more...
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Looking to the Future with a High School Branch
While the banking industry has seen many changes over the years, one thing hasn't changed-long-term customer relationships are the keys to success. East Penn Bank in Emmaus, Pa., has found a way to provide a valuable community service while bonding with...
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On Solid Foundation
Strengthen your customers' portfolios with financial planning software Begin construction an that long-planned new branch without a blueprint? No way. Make a seven-figure construction loan to a valued commercial customer without set of carefully drawn...
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Our Common Cause
After 70 years, ICBA still addresses community banks' collective concerns Seventy years ago, 28 community bankers from Minnesota came toS gether and created ICBA to address their common problems. Today, nearly 5,500 community bankers come together through...
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Playing Your Strength
Use your natural advantage in handling sales and fostering customer loyalty Anyone can manipulate customers into buying something they don't really need or want. But a mounting body of evidence shows that objectivity and honesty-the natural strengths...
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Prepare for Success
Marketing can help your bank-if you plan on it Build it and they will come. Really? This old adage was once used to justify neglecting a bank's marketing needs. But with this attitude, company officials often wonder why customers either don't come or...
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Service You Can Trust
ICBA preferred vendors offer discounts and services that add to community banks' bottom lines The combined purchasing power of ICBA's 5,500 member banks has enabled them to add more than $110 million to their bottom lines since the inception of the ICBA...
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Supporting the Cause
Searching for the distinctive pirate and treasure chest signs at recent ICBA conventions has become a favorite pastime of many bankers. By finding keys that open a treasure chest of prizes, treasure hunt participants can win fun prizes. However, the...
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Teacher's Pet
Get recognized for promoting financial knowledge in your local high schools Most of us could barely balance a checkbook in high school-never mind reading a stock quote or tracking economic trends. But the seniors at Mt. Whitney High School in Visalia,...
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Thoughts on Partnering
Few of us can go it alone, either personally or professionally. We all rely on partnerships whether we realize it or not. In response to recent headlines about the plight of farmers, a woman scoffed, "Why should I care about farmers? I get my food at...
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What Alternatives, Mr. Greenspan?
A few weeks back, I had lunch with U.S. Treasury Secretary Larry Summers to discuss increasing national savings. Of course, I used the occasion as a springboard to point out that increasing federal deposit insurance levels-which Secretary Summers opposes-would...
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Your Investment Blueprint
Better investment plans yield better portfolio performance magine building a $250,000 house without a documented plan or blueprint. Even if you were experienced and had built a number of similar houses, it would be difficult, if not impossible, to build...
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