Independent Banker

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

Articles from Vol. 54, No. 5, May

Counsel's Corner
Mark of DistinctionTips on protecting your bank's intellectual propertyCommunity bankers are experts at protecting their financial assets and real property. But too often they neglect to protect their intellectual property, particularly trademarks.Virtually...
Read preview Overview
Fine Points
Enough is EnoughWith high school graduation a distant memory, I've attended many reunions with my former classmates. The gatherings inevitably turn to swapping long-repeated stories about past glories. The older my former athlete buddies get, the faster...
Read preview Overview
From the Top
Planting Political SeedsEven before I became ICBA's chairman, the Joint Committee Meetings have been an annual event in Washington that I have eagerly looked forward to over the years. As I write this month's column, community bankers from across the...
Read preview Overview
Lender Life
Adjunct AutomationUsed smartly, credit scoring can offer extra insights in selling and managing loansCommunity banks have always touted local decisionmaking that goes beyond credit scores in determining whether to approve a loan. And while credit scores...
Read preview Overview
Main Street Focus
Fields of DreamsSports stars score new victories in the community banking arenaThe echoing crack of a bat and a cheering crowd filled the night air as it breezed past Express Bank from the Dell Diamond stadium next door. On warm summer nights as many...
Read preview Overview
Marketing Matters
Lean and HealthyAre you searching for a low-carb marketing diet?We've been hearing a lot about low-carb diets lately. You know, the ones that allow you to eat mounds of protein and still lose weight. Lots of folks are jumping on the bandwagon with their...
Read preview Overview
Moving the Paper
Check 21's arrival expands clearing options, not limits themEvery morning, bank couriers from cities and towns all across the country converge at local donut shops where they meet, greet and swap checks. It's a cost-effective method of check exchange...
Read preview Overview
New Horizons
Recalling the memories of San Diego 2004Clear skies, good times and keen advice were in abundance for bankers attending ICBA's National Convention and Tech- world at this year's host city San Diego. The sparkling water and pristine sail- boats of the...
Read preview Overview
Newslines
Simplifying Check 21Can't tell a reconverting bank from a truncating bank? The new "Check 21 Resource Document" is ready to explain it to you.The 20-page guide, free to ICBA members, provides an overview to the Check Clearing for the 21st Century Act,...
Read preview Overview
Portfolio Management
In High Times and LowLooking at the differences between investment portfolios at different rate cyclesEDITOR'S NOTE:Effective duration was measured with rates up 200 basis points to mitigate the significant changes that occur when rates are changing....
Read preview Overview
Services Update
Reverse MortgagesA new ICBA Mortgage program option for many older customersAttracting and retaining clients is a challenge everyone in the financial services industry faces. To be successful, it's crucial to continually add creative solutions to customers'...
Read preview Overview
Straight Shooter
Coloradoan Dale Leighty, ICBA's new chairman, reflects the enduring values of Main Street AmericaDale L. Leighty plays it straight. Within 10 minutes of meeting him you'll know where he stands and, more importantly, that he is a man of his word, say...
Read preview Overview
Washington Watch
Dealing with DataCall report modernization for banks is almost hereCall report moderniza- tion is about to become a reality. For years, the feder- al banking agencies such as the Federal Reserve, FDIC and the OCC have been talking about modernizing and...
Read preview Overview