Independent Banker

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

Articles from Vol. 49, No. 8, August

101 Y2K Ideas
Count the ways to communicate your readiness for the century date change Brochures and Handouts 1. Distribute the ICBA's "We're Geared Up for Y2K" statement stuffers to customers. 2. Display ICBA's "We're Geared Up for Y2K" tent cards throughout your...
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Battling the Brokers
Online trading site gives banks a foil to fierce brokerage competition As they face saving for retirement, paying for college tuition or buying a home, consumers are investing in the stock market in unprecedented numbers. And many are trading stocks...
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Big-Bank Customers Still Pay Higher Fees, Fed Says
The Federal Reserve, confirming results of various surveys in recent years, said bigger banks continue to charge customers higher service fees than smaller banks do. As part of a 1999 annual report to Congress, the Fed reported that larger "multistate"...
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Bustle without Hustle
Nebraska bank helps create a booming business hub in a tiny heartland town Dennis Larkin knows a desolate town when he sees one. As a Small Business Administration officer, he has visited dozens of rural communities in search of successful banks in prosperous...
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Changing for Tomorrow
Growing to meet your bank's and your customers' expectations Responding to changing needs of today's and tomorrow's community bank consumers, community banks are rapidly expanding their product and services menu. They are adding a buffet of new offerings...
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Coping with Regulations
ICBA Securities helps bankers meet interest rate risk and investment portfolio requirements ICBA Securities has developed measurement and reporting systems designed to help community bankers meet specific interestrate-risk regulations and bank investment...
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Don't Overlook Professional Women Customers, Survey Suggests
Banks are no longer simply repositories for checking and savings accounts. While this is not exactly news to you, surprisingly, it may be for many of your bank's female customers. A recent poll found that 84 percent of professional women view their bank...
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E-Mail Marketing
Using e-mail to reach your customers quickly and inexpensively E-mail has quickly become a useful and reliable marketing tool. E-mail is delivered faster than traditional mail, and it is cheaper because you incur no printing or postage costs. In addition,...
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Exploring the Options
Caps and collars and floors, oh my! Interest rate risk can show up on a bank's books in many forms, such as fixed-rate loans (commercial or consumer), mismatched asset/liability positions and volatile deposits. Bankers manage most interest rate risk...
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Grasp the Online Opportunity
Establish Internet services to build a bright future amid challenging industry trends With an estimated 81 million people accessing the World Wide Web every day, the Internet is the biggest thing to hit the business world since the personal computer....
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Oklahoma Banks Help in Aftermath of Tornado Devastation
When twisters devastated much of central Oklahoma in early May, First National Bank of Midwest City quickly made funds available to those in need. Eight of the bank's employees' and countless customers' homes were damaged or destroyed by the tornado,...
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Plan for Your Future
Begin budgeting your marketing costs for a new century So many times, I've said or heard the saying, "You only get out of marketing what you put into it." This is true of so many things in life, yet we sometimes do not invest the time, effort or funds...
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Recapture Core Deposits
Adopt a new money market formula and investment strategy to rein in core deposits It's no surprise. Banks' core deposits are shrinking. The widespread employment of wholesale funding sources, such as the Federal Home Loan Bank and the Farm Credit System,...
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Sales Gone Gangbusters
ICBA credit life reinsurance subsidiary offers banks aw way to boost profits kth proven results A three-fold expansion in sales over five months is the kind of news that would send any even-keeled bank president into hysterics. But since he's signed...
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Service You Can Trust
ICBA endorsed vendors offer discounts and services that keep community banks competitive Want to add to your bank's bottom line? ICBA's endorsed vendors provide members with a wide array of bottom-line enhancing opportunities, which include discounts...
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The Long Hot Summer
Just before the July 4 recess, the House took some decidedly undemocratic action by passing H.R. 10 by an overwhelming vote of 343-86 without allowing House floor consideration of the key issue of whether Wal-Mart should be permitted to buy its way into...
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The TCM Assurance
Selling credit cad portfolios to the Total Card Management program brings safety and service Today, some community banks are finding it more challenging to operate a profitable credit card program. The resources of huge megabanks have created a modern-day...
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Training Made Easy
Top 10 reasons to take advantage of ICBA's Online Training Center The ICBA offers an interactive training center that puts you and your bank's employees in control of your own professional development-24 hours a day, 365 days a year. By simply logging...
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Working Together
Community banks and ICBA Mortgage make natural lending partners How did you fare in the tidal wave of mortgage refinance demand last year? Did you thrive or just barely survive? In other words, were you satisfied with the total performance-pricing, promptness,...
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Your Future Customer
Changing lifestyles, demographics and technology redefine tomorrow's bank consumers Meet Jane Doe of Anytown, LISA, a typical bank customer in the new century. She's investment-minded and saves methodically for retirement. She works in a home office,...
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