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. 5, May

A Change in Direction
Straight talk from bankers about offering nondeposit investment products Providing deposit products are becoming only part of today's banking industry. Rapid consolidation of the financial services industry, financial restructuring and the blurring of...
A Growing Quandary
Escalating ATM surcharge fees generate extra revenue but jeopardize long-term network access People who don't keep accounts at Marine National Bank of Jacksonville, Fla., pay surcharges when they use the $60 million-asset bank's sole ATM. The extra fee...
A Man of His Roots
Nebraska banker Bill McQuillan brings rural America's perspective to IBAA presidency Yellow florescent light shines through the broad glass-panel window out from Bill McQuillan's office, casting a firefly-like glow into the darkness of the street. Framed...
A Song in His Heart
Oregon banker spends weekends ministering to legions through his music s his work week ends, Denver Huff leaves Home Valley Bank in Grants Pass, Ore., for work of a different sort-a labor of love far removed from banking. As a member of the Wings of...
Countdown in the Senate
Early last month, the U.S. House of Representatives overwhelmingly passed HR 1151, the credit union wish list bill, which would overturn the February Supreme Court decision declaring that credit unions had overstepped their membership boundaries. In...
Counting the Beans
Capitalize on the evolution of bond accounting systems Over the years, some bond accounting systems underwent major changes to keep up with an increasing number of complex investment products, regulatory policies and management practices. Microcomputers...
Giving Advice
Financial planning software may help attract a new crop of customers Editor's Note: Independent Banker offers this monthly column to inform community bankers about the wide array of software products available. This column should serve only as a guide....
Helping Homeowners
New mortgage program helps you qualify more customers for home purchases As an independent banker, you know that each customer has different financial circumstances and needs, and you specialize in helping your customers meet these needs. To qualify...
Prepare for Change
Funding the balance sheet-what's ahead for community bankers Editor's Note: Today's fierce competition for deposits is expected only to escalate, creating new challenges for community bankers to attract loanable funds. This is the first of a two-part...
Settling beside the Sandhills
Greeley, Neb., is located just outside the southern-most edge of Nebraska's Sandhills. A scenic, semi-arid, mogul-contoured grassland that is nourished from underneath by a giant aquifer that stretches as far south as Texas. Wildflowers and tangled brush...
Striking the Mother Lode
NEVADA START-UP BANK CATAPULTS TO PROFITABILITY BY MINING A WELL-ROUNDED FAMILY OF SERVICE PARTNERSHIPS "Gold rush was as applicable to California in the 1850s as it is to Nevada in the 1990s. But more than just gold nuggets are buoying up sales at the...
Tracking Technology
High-tech products and services are critical to success, bankers agree As they have for several years, a large majority of community banks (93 percent) cite "employing technology" as the most important factor in their future success. Grant Thornton LLP's...
Using People Power
Community banks adopt marketing campaigns with the human touch The power of human connections, coupled with "makethe-customer-feel-good" messages, can work advertising wonders. Two community banks in rural Kansas and Colorado know firsthand that's the...
Waiting for Nobody
Some community bankers are getting aggressive on PC home banking Hundreds of miles from home, Paul Kimball stood in a Washington, D.C., shopping mall contemplating a small shopping spree. Then he spotted the public computer terminals in the mall with...