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. 1, January

1997 Capitol Hill Recap
No news on banking legislation lost year was good news The best news about Capitol Hill banking legislation in 1997 was about what didn't happen. A lot of frenetic action and maneuvering took place, but in the closing days of the first session of the...
Against the Current
Getting into insurance can still be an upstream swim for banks early on Jim Caspary's bank, the First National Bank of Clifton, Ill., purchased an insurance agency in 1996 from an insurance agent who was three years shy of retirement. Under the conditions...
A High-Tech New Year
Eight resolutions to make technology work for your bank in 1998 For many people, New Year's resolutions are an annual tradition. This year, with the millennium just around the corner, consider adding one or more technology resolutions to your list. Here...
Banking 1990 Style
More than any single defining event for West coast banking in this decade, Richard Mount, president and CEO of Saratoga National Bank in Saratoga, Calif., points to the 1995 merger of Wells Fargo and First Interstate. The merging of the two giant banks...
Bouncing Checks
Return item software can save back offices money and improve service Community banks acquire back office software to improve customer service and lower operating costs, and to price products more aggressively without cutting into their bottom lines....
Breaking into Brokerage
Tennessee bank stresses service, not products, in branching into investment services One of the most significant financial trends of the 1990s is the high tide of money surging into mutual funds from baby boomers and workers nearing retirement. Rather...
Down-Home Home Banking
Texas bank brings full online banking to small town Deep in the heart of Texas lies State National Bank of Big Spring. Deep in the heart of State National Bank lies its Internet banking system. With an asset size of $132 million, this community bank...
'Expanding Your Card Horizons'
Bank card and EFT conference shares ideas on becoming more profitable While towns and communities throughout most of the country were suffering through cold and rainy weather, nearly 200 community bankers, industry speakers and exhibitors were basking...
Factoring in Profits
Community banks buy accounts receivables to nurture tomorrow's business customers After six months of research, Assistant Vice President Mike Burns gave the green light to offer factoring services at Feather River State Bank in Marysville, Calif. Although...
IBAA Tax Committee History
Created four years ago, the IBAA Tax Committee has accomplished a surprising number of stunning successes in a remarkably short period of time. Under former Idaho Governor John V. Evans Sr.'s chairmanship, it has played a meaningful role passing many...
Investmetn Activities
FFIEC guidelines would increase self-evaluation responsibilities On Sept. 29, the Federal Financial Institutions Examination Council released a formal proposal titled "Supervisory Policy Statement on Investment Securities and End User Derivatives Activities."...
It's No Chicken Little
Don't let the Year 2000 sky fall on your bank Technology experts issue dire forecasts over it. Regulators warn you about it. Even newspaper headlines shout about it. Everywhere you turn the "Year 2000 problem" arises. But all this talk about computers...
Master Credit Risk
Today's volatile environment calls for thorough credit risk reviews Profitability and competitiveness. These are the two most important words to a community banker, right? But what about risk management? Community banks are feeling pressured to ease...
Motive Employees
How a mortgage incentive program pays off for a Washington state bank Many community bankers count on traditional commercial banking services to satisfy customers and bolster revenues. Yet mortgage banking can also be a profitable income stream for your...
On the Frontier
Family bank continues pioneering tradition in southern Idaho She was a young immigrant widow from Wales with three young children. In 1852, Winifred "Gwen" Evans walked 1,000 miles across the prairie with her three young children to the eerily desolate...
Prepare before the Examiners Arrive
Advance preparation, community bankers and bank examiners say, can go a long wayespecially when it comes to the new Community Reinvestment Act compliance examination. The most important element of a successful CRA examination under the new procedures...
Reaching Maturity
How to keep and build your bank's senior relationships The senior market has changed. It's not your grandparents' generation. It's a larger group and the folks in it are healthier, living longer and have a younger state-of-mind. The U.S. average life...
Scoring under the New CRA
A satisfactory rating may be easier to achieve, but extra effort may be needed to reach an outstanding one So far, the new Community Reinvestment Act examinations for community banks are easier and less burdensome than before, and yet they can be harder,...
Technology Still Puzzles
Technology is giving megabanks the tools they need to become financial supermarkets. And the introduction of new technology is driving a wedge between these large banks and the nation's community banks. At IBAA's Annual Convention and Techworld in Phoenix,...
The Call Center Edge
New high-tech operations blend telephones, computer databases and marketing Bill Wilson arrives early at the airport for an out-of-town business trip and decides to complete some personal banking transactions. Wilson calls his community bank's 24-hour...
The Truth Is Out
These days it appears big banks are suffering more public criticism while community banks are enjoying increased favor in the wake of big bank mergers and ever-escalating big bank fees. Witness the recent spontaneous media coverage of big bank problems...