Independent Banker

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

Articles from Vol. 48, No. 11, November

Bursting with Choices
IBAA subsidiary expands line of mutual fund offerings and services for community banks Bolder, better and more diverse, IBAA Financial Services Corp. has moved onto a bigger stage with a broader selection of mutual funds and more brokerage options designed...
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Choice Consumer Links
On the World Wide Web, information on virtually any topic is just one, two or three clicks away. With so many Web sites, however, it can be hard to find the sites you seek. This challenge for online surfers presents a perfect opportunity for your bank....
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Colorado Agricultural Bank Fosters Commmunity Image
Olathe State Bank in Olathe, Colo., launched the first in a series of publications geared toward fostering the bank's image as a major participant in community projects. The bank chose to distribute the first issue of the Uncompahgre Independent during...
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Dialing for Dollars
Telephone banking systems improve customer service and boost efficiency Telephone banking systems, once considered a flashy customer service frill, have today become an essential delivery channel for a broad array of financial institutions. Ubiquitous...
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Doing Double Duty
If marketed right, employee 401(k) savings plans boost retail deposits and land new commercial accounts Since its debut in the late 1970s, the tax-deferred employee savings plan, better known as the 401(k), has become one of the most popular investment...
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Getaway by the Bay
San Francisco Hosts the 1999 IBAA National Convention and Techworld Janis Joplin lived there, and so did Wyatt Earp. Whether you prefer pinstripes or tie-dye, San Francisco has something to offer everyone. This year's IBAA National Convention and Techworld...
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High-Tech Roller
Mississippi bank stakes its future on a wide range of Internet services Here's a logical idea for boosting Internet banking at your bank: Get your customers hooked on the Internet before offering them online banking services. That horse-before-the-carriage...
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Home Loan Reform
Proposals to simplify mortgage disclosures could significantly alter the home loan landscape This summer the Board of Governors of the Federal Reserve and the Department of Housing and Urban Development issued a long-- awaited report that calls for simplification...
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Image Is Everything
Participation is growing in the IBAA consumer logo campaign Recent soft-drink advertisements may deny the importance of image, but we in the banking industry realize its value-and IBAA's latest member survey confirms it. In mid-September, IBAA surveyed...
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Overstepping Boundaries
In 1788, our founding fathers adopted the U.S. Constitution to establish the principle that our country would be governed "by the people" and "for the people." For more than 200 years our nation has operated on that principle. And today the system on...
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Riding the Curve
Don't neglect an old method to earn greater yields from your bank's portfolio Riding the yield curve is an old tried-and-true technique for adding yield to a bank's investment liquidity ladder-usually made up of two- or three-year Treasuries. The traditional...
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Spanning Generations
Whether you're young, old or in between, Walt Daller makes sure his Pennsylvania bank offers something for a lifetime In 1962, as a kid fresh out of college, Walt Daller was making his new home and starting his professional life at a local bank in Pennsylvania...
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The Future of Imaging
As imaging becomes more affordable to smaller financial institutions, community banks are increasingly incorporating the technology into back office operations and branch networks. Banks that have already added check imaging to traditional proof operations...
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Timeless in Vermont
Small-town bank holds on to the history and traditions of yesteryear When the media start looking for the perfect small-town bank to showcase personal service, the first name that often flips up on the Rolodex is the $20 million-asset First National...
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Unruffling Chicken Little
TAKE ACTION TO CALM PUBLIC WORRIES ABOUT POTENTIAL YEAR 2000 TROUBLES Power grids could shut down. Tlelphones click off. Airlline traffic control systems could go haywire. ATMs could malfunction. And, reflecting the pervasive, global scope of the problem,...
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Weighing New Rules
Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, this column summarizes recent testimony and comment letters IBAA provides to federal banking agencies. SBA 7(A) LOANS Issue: Proposed rule allowing all...
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Wring It Dry
Learn to squeeze more information out of your database marketing system It's the mantra of the moment. Community bankers everywhere are being implored to invest in database marketing software systems. Also known as MCIF (for Marketing Customer Information...
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