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. 2, February

A Leasing Niche
California agricultural bank finds a profitable sideline in equipment leasing For Feather River State Bank, equipment leasing first became a business sideline four years ago, a way to put unused liquidity to work during slack periods of agricultural...
A New Funding Source
IBAA encouraaes adjusting FHLB membership rules for community banks Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, this column summarizes recent testimony and comment letters IBAA has provided to...
Card Safety First
Recent stories about debit card liability on network news and in the national Dress have alarmed consumers and bankers alike. As a result, Visa and MasterCard have limited consumer liability for debit card losses to $50. Of course, that means banks assume...
Co-Branding Clout
Co-branding is the cooperative marketing strategy of adding another brand mark to an existing business line. Today, it seems that new alliances and partnerships are announced daily. And for good reason-it's easier to latch on to another's good reputation...
Colorado Banks Recognized for Active Community Service
Six Colorado community banks and their staffs were recognized at Independent Bankers of Colorado's annual meeting for their outstanding community service activities. Eagle Bank in Broomfield, Colo., won the state association's top 1997 Crown Service...
Keep a Sunny Outlook
Sail through compliance storms with solid training Compliance is much like forecasting the weather. Once you figure it out, things are bound to change. The trouble is that, with compliance, change is more likely to make matters worse rather than better....
Not Betting the Farm
Analysis software can help adapt to today's agriculture business With passage of the 1996 farm bill, Congress took the training wheels off the nation's farms. While Washington's political spin doctors packaged the move as conferring "freedom to farm,"...
On Buying a Home
Surveys probe consumers' views and the mortgage lending process or most people, shopping for a home mortgage is a hassle. It's an exercise in immediate sacrifice for future gain. Like filling out tax forms for an anticipated Internal Revenue Service...
Praise for the Rivlin Report
The Fed has spoken. In the new year's early hours, Federal Reserve Board Vice Chair Alice Rivlin released a long-awaited report that reattirmed the Fed's role as "a provider of both check clearing and automated clearing house services with the goal of...
Quest for the Best
Community banks carry strong advantages in attracting and retaining quality managers Doyle Lee was president of the $200 million-asset Equitable Bank in Dallas, Texas, when it was bought by Compass Bank of Birmingham, Ala., a $12 billion-asset Goliath....
Quiet the Inner Howling
Overcome the fear of change and succeed in the 21 st century Community bankers are rightfully smiling over higher earnings in the past few years. But despite the industrywide success, for some, there remains an underlying anxiety and fear about the future....
Rebirth of the IRA
It's time to offer your customers this rejuvenated investment option before your competitors do The Tax Reform Act of 1986 sharply curtailed the deductibility of IRAs. And, with the exception of qualified-retirementplan rollovers and Simplified Employee...
Recognizing Promise
Montana community bank puts money on young farmer's future Long before Dan Gorton knew he would need to borrow money to buy equipment to expand his Montana farming operation, he set out to acquire funding. His search a few years ago led him on a bit...
Recollections of Youth in Small-Town Pennsylvania
The son of a small-town country doctor, Eugene Ludwig remembers when, as a young boy accompanied by his father, he opened his first savings account at the local community bank in York, Pa. As he grew into his teens, he would regularly visit the bank...
Smart Cards
Futuristic 'wallets' on plastic cards look to transform everyday life The U.S. Navy is moving to smart cards to pay sailors at sea. Universities use smart cards to track student scholarships, meal plans and library privileges. A Boston company even sells...
Sock It to Ya!
When banks merge, they typically promise a seamless transition to a larger financial institution that will offer more products and greater convenience. But many consumers say mergers also result in computer glitches, disruptions in service and higher...
Talking Total Return
Luring my many discussions with community bank investors, most everyone invariably asks, "Where do you think rates are going?" To which the only honest answer is, "I don't know, and neither does anyone else." How then can investors decide which investments...
The New Appeal of Plastic
Consumers hail easy convenience of debit cards Jennifer Brownd no longer shops for hospital scrubs at a local uniform shop. Instead, the 23year-old registered nurse leafs through a uniform catalog and calls in her order over the telephone. When asked...
The President's Pointman
With a bold agenda, OCC chief Eugene Ludwig reshaped banking's role in our financial system Five years ago, William J. Clinton, was inaugurated the 42nd president of a nation facing a precarious economy, propped up by a troubled banking industry. A key...
The World on Your PC
Discover great travel deals and tips on the Internet The Internet puts the world and all its wonders at your fingertips, literally-or at least virtually. You can reserve airline tickets, plan your dream vacation or research your favorite destinations...
Unlocking Home Equity
Reverse mortgages are a promising option for equity-rich senior borrowers People work hard throughout their lives to own a home. Owning a home "free and clear" is a central part of the American dream. Too often in their retirement years, however, people...