Independent Banker

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

Articles from Vol. 51, No. 12, December

At Ground Zero
Main Street Focus Coping with unprecedented attacks, New York-area banks respond to the World Trade Center attacks It was a sunny, warm September morning as Norm Jardine drove through the Catskill Mountains of upstate New York back to his bank in Manhattan....
By the Bulk
Small purchasing co-ops emerge for banks to save and improve products There's a time-honored adage that there is strength in numbers. That's the basic principle behind regional cooperative purchasing groups, which some banks are using in new ways to...
Debit or Credit?
Bankers contemplate the future of POS networks and their place in it A number of banking industry experts believe that point-of-sale services are the most valuable component of the ATM network infrastructure given the maturity of the ATM marketplace....
Female Persuasions
Rethinking how to better serve the women's market Women are expected to gain control of 60 percent of the wealth in the United States over the next few years, a figure estimated to top $1 trillion. So why aren't banks being more aggressive in courting...
Following the Money Trail
Following the devastating Sept. 11 terrorist attacks in New York and Washington, Congress and President George W. Bush rushed to enact tougher money laundering laws to "starve terrorists of funding." Clues that the terrorist's attacks may have been funded...
Grab the Clicker?
Web World Interactive TV banking stands in the future, but proceed cautiously Television industry analysts predict that Interactive TV will be in 40 million homes by the year 2005. Thanks to new digital TVs and settop boxes, viewers will be able to use...
Hawaii Awaits You!
ICBA Convention Proud Traditions, A Promising future March 10-14, 2002 The Aloha State plays host to ICBA's 2002 convention In March, bankers from across the country will converge on Honolulu, Hawaii, for ICBMs 2002 National Convention and Techworld....
Historic Tax Relief
Once again, as part of the fallout from the Sept. 11 terrorist attacks, tax cutting to stimulate the economy is a hot topic on Capitol Hill. As we go to press, Congress and President George W. Bush are negotiating $150 billion in various measures offering...
Making an Impact
Marketing Profile Urban and rural banks use turnkey advertising as a customer magnet Naturally Yours," the slogan for Cattaraugus County, N.Y., accurately conveys what the rural community has to offer. About an hour's drive south from Buffalo, the county...
Marketing Resolutions
Five vows to make in preparing for a more effective new year What better time than now to make some resolutions? The new year is fast approaching, opening the door for great marketing opportunities. As you make preparations for the upcoming year, take...
Our Patriotic Duty
From the Top Sept. 11 changed the world. Responding to the terrorist attacks on New York City and Washington, after debate and compromise, Congress adopted sweeping legislation aimed at detecting and preventing future acts of terrorism. As community...
Policing Foreign Trade
Some foreign transactions could be against the law If you saw a wire transfer order for Atlas Air Conditioning in London, would you be suspicious? What about Vinales Tours in Cancun? Or Fartrade Holdings in Switzerland? All three of these entities are...
Progress and Potholes
Banking Software New Microsoft platform may solve some problems, create others If you start getting complaints from online banking customers that they can't get access to your services or perform some banking activities, alert your customer service representatives...
Scrutinizing Profits
Though often pricey, automated profitability analysis is growing more essential in today's complex market by Charlie Fletcher Profitability-it's always been a concern in banking. But until recently that concern has rested, for the most part, at the bottom...
Seeding Our Industry
ICBA's de novo CD program nourishes community banking's growth After 15 years, an ICBA program designed to give start-up community banks a boost in deposits is still going strong. And it is giving the new banks an introduction to the type of support...
Serving the Nation
A fellow community banker from Texas, Don Powell stands ready to lead the FDIC Former community banker Donald E. Powell was sworn in as the 18th chairman of the FDIC on Aug. 29, 2001. As a Texan, Powell is a newcomer to Washington, but not the struggles...
The 2001 Hardware/Software Roundup
Banking Software Your directory source for community banker-friendly computer vendors Today's community banks depend on computers to serve their customers efficiently and profitably. This year Independent Banker publishes its 12th annual directory of...
The Country Responds
The morning of Tuesday, Sept. 11, 2001, started like any other day for community bankers. On the East Coast, many were settling in at work while others in different parts of the country were still slumbering or making plans for the day. But at 8:45 a.m....
The Paper Chase
After a decade of innovation, community banks swim in imaging options Ten years ago it was bleeding edge technology. Five years ago it was cutting edge technology. Now imaging is `true blue' technology," says Mike Manna, vice president of sales at Robert...
The Sweetest Spot
Bank Investments Find your loan-to-investment equilibrium for optimum profitability The Bank Investments column in the June issue of Independent Banker magazine showed that high-loan-demand community banks and low-loan-- demand community banks had virtually...
Unconventional Housing
Lender Life Energy-efficient homes offer loan prospects Imagine financing a mortgage for a home made almost entirely out of beer bottles. Or a house built halfway into the ground, using old car tires in the construction. While houses like these may seem...