Independent Banker

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

Articles from Vol. 50, No. 1, January

Boosting Deposits
Get creative to build core deposits the old fashioned way That gurgle you hear is the sound of bank deposits getting sucked down the drain. According to the Federal Reserve Bank of Minneapolis, since 1986, net core deposits at banks with less than $250...
Changing a Coin
U.S. Mint prepares rollout of new Sacagawea dollar coin Move over Susan B, you're being replaced with a famous American Indian. In a few short months, the U.S. Mint will begin rolling out its answer to the ill-fated Susan B. Anthony dollar coin with...
Changing with the Times
Located in the heart of Virginia's coal country, Miners and Merchants Bank and Trust Co. of Grundy, Va., has seen lots of local economic change-for the better. Once dependent on the coal industry's swings of booms and busts, Grundy's local economy has...
Funding Home Ownership
Franklin Raines talks about Fannie Mae and its future More Americans own their homes today, over 66 percent of all the country's households, than ever before. Much of the credit for that record can go to secondary mortgage market makers such as Fannie...
Gearing for Tomorrow
Texas conference looks to future of bank card and EFT innovation Community bankers were given a glimpse of the go-go future of banking debit and credit programs at the ICBA Bancard Users' Conference in October. Amidst the ruins of Spanish missions, more...
Humor: A Less-Stress Strategy for the New Century
"If you can find humor in anything, you can survive it." --Bill Cosby A cartoon I once saw humorously illustrated the results of cutbacks. Pictured were Mutt without his longtime companion Jeff, the three horsemen of the Apocalypse, and Snow White and...
Launching Our New Logo
ICBA intorduces a new symbol for community bnks The fact is that logos are not meant to be static icons. Rather, institutions and corporations from MasterCard (remember the Master Charge card?) to Betty Crocker, have updated their symbols over the years...
Lending to Builders
Track the progress and payment flow of construction loans Before software products emerged during the 1980s, tracking dozens of construction loans (and the hundreds of subcontractors and suppliers involved in those projects) was time consuming for bankers...
Looking Ahead
Talking with the FDIC on community banks' future challenges Recently, I had the privilege of meeting with the chairman and top staff of the FDIC to talk about my views on some of the challenges ahead for the agency and the banking industry. It was a...
Month of Mishmash
FDIC insurance, equal credit data and ATM surcharges on tap for agency reviews Deposit Insurance Issue: Proposal to use call report data from the quarter ending three months before the beginning of the assessment period (instead of the current six months)...
My New Year's Resolutions
When I sat down last month to write my New Year's resolutions, it dawned on me that this was the Big One-The Year to Make Resolutions To Last An Entire Century. If ever you're going to make and keep resolutions, surely it is the first year of a new century-and...
Off the Road Again
Nebraska banker pursues his lifelong lure of speed and racing cars What do the Grave Digger, a monster truck that crushes cars like aluminum cans, and a banker from Wahoo, Neb., have in common? More than you might think. Attend a U.S. Off-Road Championship...
Removing All Doubt?
Get the answers to your questions about starting a retail investment program The competitive landscape for community banks has changed forever. Now that the long-debated financial reform legislation has become law, the largest banks, insurance companies...
Sharing Common Goals
New banks and thrifts join ICBA to gain strength in numbers All across the country, banks are Joining the Independent Community Bankers of America, the only national trade association that exclusively serves community-based financial institutions. The...
State Tax Differences
Reduce state taxes by selecting state tax-exempt securities ICBA Securities' consulting CPAs have just completed a multi-year study to document the state laws governing the taxation of banks' portfolio investments. This study will help bankers reduce...
Tech Help Wanted
How to find or develop the savvy technical staff your bank needs Tom Riffe knows that hiring hightech help can be costly. Like many community bankers, he's heard the stories about the gangbusters information technology market and the whopping salaries...
The Next Wave
e-statements combine imaging and the Internet to save costs and boost service When the Federal Reserve recently took a step closer to embracing Internet technology, it spurred many community banks around the nation to get serious about electronic banking....
Toward Paperless Billing
Standards are emerging, but banks and consumers still seek a single electronic bill payment model Envision shredding the last few remaining paper checks in your possession. Imagine the feeling of liberation, the time saved, the extra money in your pocket...
Who Was Sacagawea?
Details surrounding the early life of the Shoshone Indian woman, Sacagawea, are sketchy. But thanks to detailed recordkeeping from the Lewis and Clark expedition, we do have an account of the extraordinary role she played in our nation's early history....
Young and Old
Spend extra effort on your future and best customers For many years, affinity and cobranded credit cards were one of best tools to tap special niche markets-the sports fanatic, the hobbyist or university alumni. Nowadays, sophisticated marketers have...