Independent Banker

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

Articles from Vol. 46, No. 2, February

Baby Boomers Hold the Key to Secure Deposits
One of the most important challenges facing independent community banks is the need to find ways to attract and retain older customers.When planning marketing activities for 1996 and beyond, community banks should integrate past strengths with future...
Community Banking in Nevada
Nevada, the land of gold mines and casinos, has a boom and bust tradition.From the California gold rush of 1859 to the construction of Hoover Dam in the 1930s, Nevada's economy has seemed to ride he powerful, surging currents of high-rolling fortunes...
Complete Second Loan Reviews
Many banks perform second reviews of denied home mortgage applications to protect against inadvertent lending discrimination.While second reviews help ensure that unintentional discrimination doesn't creep into the loan decision process, the way banks...
High Tech High Touch Basics
During the first two decades of his banking career, Larry O'Neil saw little change in the way banking was done.Community bankers were largely content to "sit back and watch other industries move forward into banking," says O'Neil, president of First...
Lunching on Debit Card Transactions
Carolyn Spicer, a community bank executive, still remembers carrying milk money to school each day as a grade-schooler.But through an electronic banking innovation, families in Spicer's community can cease their daily search for loose change. Her bank...
Prognostications Gone Awry - Again]
As I write this column, most bank boards have just completed one of their most interesting and hotly debated tasks--deciding which way rates are heading during the next 12 to 15 months.Don't deny it. Even though we recognize the futility, we still can't...
Survival in a Topsy Turvy World
Consolidation--via mergers and acquisitions--affects all levels of the commercial banking industry, and this trend is unlikely to diminish.Giant banking companies are buying each other after years of purchasing small institutions. Chemical Bank Corp....
Ten Sure Ways to Boost Your Sales
Selling is tougher than ever. Customers are less accessible, more skeptical and take longer to make a decision to buy. Before they sign the order, they want to not only run the salesperson through his or her paces, but also make sure the price is right.All...
The Future of Check Truncation
Check truncation--the process of converting a paper check to an electronic payment--allows banks to cut the cost and time associated with clearing checks.About 10 percent of all checks written today are not returned to the check writer. The banking industry...