Independent Banker

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

Articles from Vol. 47, No. 1, January

A Desert Getaway: Come with Us to the Valley of the Sun
Community banking's main event-IBAA's National Convention and Techworld-journeys March 19-23, 1997, to a new destination-Phoenix, Ariz. On the northern rim of the Great Sonoran Desert, Phoenix overlooks the Valley of the Sun, an expanse of stunning desert...
Artful Marketing Beats Competition
Creativity counts as much as products and rates for New Jersey banker Don't tell Anthony S. Abbate anything about competition. He wrote the book on it. Abbate competes in Bergen County, N.J.about 20 miles from the heart of New York City-against 500 financial...
Avoid Double Taxation
Community banks can keep more earnings as Subchapter S Corporations Beginning this month, community banks can become Subchapter S Corporations and avoid double taxation on their shareholders' dividends. The Small Business Job Protection Act of 1996 that...
Back to School
Massachusetts bank provides in-school branches and supports education project At age 194, Beverly National Bank in Beverly, Mass., is headed back to school. The "student" is in no need of remedial training. It's continuing its long tradition of faithful...
Call Report Training
Staying up-to-date keeps your call report data complete and reliable Bank regulators rely on call reports to monitor banks' safety and soundness and to make comparisons of different institutions. Justifiably, they want call report data to be accurate,...
Clever Names, Big Rewards
Shakespeare wrote metaphorically about the sweet smell of roses and the relationship to names, but in today's competitive bank market names can help bring sweet success. A tasty, small sampling of Interchange State Bank's successful product names shows...
Doing It by the Numbers
When Community National Bank in Derby, Vt., opened a branch in a new market two years ago, the bank's leadership looked to automated lending software to help issue small business loans to unfamiliar customers. The software performs elaborate financial...
Encourage Uniformity
IBAA comments on BHC applications, deposit insurance and more Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, the following column summarizes IBAA's recent testimony and comment letters to federal...
From the Top
First, Happy New Year! We are coming off a year of record bank profitability, the lowest deposit insurance premiums in recent history combined with a very healthy deposit insurance fund. Our industry is strong and, yes, our industry-partially in response...
Gateway to Success
In the shadow of St. Louis' famously beautiful arch landmark, nearly 200 community bankers gathered to learn more about the card and EFT industry. This was the 10th annual card conference sponsored by IBAA Bancard for community bankers. This year's conference...
High-Tech Telephones
Software-based systems lead new wave of service and sales Community bankers, determined to keep the friendly, personal touch their customers love and to add the technological efficiency and productivity that will assure long-term profits, are reconsidering...
IBAA National Convention Workshops
The 1997 IBAA National Convention's educational workshops and seminars are an important highlight of the convention's many events for community bankers. All the workshops are tailored to be practical and address current topics of great interest from...
Make a Show of It
Ten tips for making special-events marketing a breeze Community banks across the country sponsor special events to celebrate branch openings, new product launches, holidays, customer appreciation and the changing seasons. Banks also support local community...
Mortgage Insurance
Helping first-time home buyers and selling more mortgages As home prices continue to escalate, scraping together a down payment to buy a home is becoming increasingly difficult for many borrowers-especially first-time buyers. Mortgage insurance, however,...
Payments with Zip
The Automated Clearing House Network handles billions of electronic transactions daily Every day, millions of consumers and thousands of businesses rely on the Automated Clearing House Network to efficiently collect and disperse billions of dollars....
Safeguard Your Future
Editor's Note: This is the first of a five-part series on IBAA Bancard's Total Card Management initiative. Next month's installment in Independent Banker will focus on how community banks can benefit from the new Bancard program. Card programs give access...
Tax-Free Benefits
Tax-free securities offer high yields, low price volatility and other advantages Tax-free securities are a source of high yielding investments for community bankers. However, purchase disincentives such as TEFRA*, alternative minimum taxes and bankqualified...
The Power of 9,800
Together IBAA members can make a difference using our consumer logo IBAA realized more than two years ago that members need a symbol for consumers to recognize and believe in, the way they believe in the FDIC symbol. IBAA's Marketing Committee undertook...
Think like a Publisher
Keep your Web site fresh and interesting to attract a loyal following I f your community bank has developed, or is about to develop, an Internet Web site, you may look at what you've done as the equivalent of setting up an electronic billboard in cyberspace....
Trust in Tomorrow
Trusts aren't just for the rich and famous EDITOR'S NOTE: This is the first of a two-part feature on trust services. February's feature focuses on how to begin offering trust services. Picture this: Hundreds of baby boomers in your community, flush with...