Independent Banker

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

Articles from Vol. 49, No. 1, January

Affinity for Education
Missouri bank gains recognition and goodwill with scholarship-funding credit card When it comes to supporting local education, the Bank of Belton, Mo., puts its credit cards on the line. More to the point, it puts a local affinity "Pirate Card" on the...
Consumer Privacy
Electronic age urgently calls for extra steps in protecting consumer information Stories in the press about abuses of consumer privacy, usually in connection with the handling of electronic information, have never been more prevalent. With information...
Eyeing Your Customers
Federal agencies consider new approach to money laundering detection rules Nearly 30 years ago, as part of the government's ongoing war on drugs, Congress enacted the Bank Secrecy Act. The act requires banks to notify law enforcement agencies about consumer...
Fixing Farm Bankruptcy
Fixing Farm Bankruptcy Chapter 12, the section of the federal bankruptcy code created for farmers, has always been bad news for agricultural community banks. But now, bankers have the chance to shape that bad news into something better. Agricultural...
Following Regulations
Deposit insurance and managing official interlocks top agencies' agendas DEPOSIT INSURANCE Issue: Proposal to simplify the process for calculating joint-account insurance coverage (if adopted, an individual's aggregate ownership in all joint accounts...
Gathering Pearls
Community bankers dig for precious marketing gems at IBAA Bancard conference Y2K. Internet banking. ATM network consolidation. Visa's new online debit card. TCM Bank, N.A., IBAA Bancard's new credit card bank for community banks. Those subjects provided...
Growing Together
Welcome new IBAA members in promoting community banking A Renaissance is taking place in community banking. In contrast to the raucous, earth-rattling consolidation among the country's biggest bank chains, a quiet reaction against fast-food-style financial...
Growth by the Numbers
Database marketing software gives Washington state bank a new secret weapon For First Community Bank of Lacey, Wash., database marketing software offers more than cross-selling and sales opportunities. It also can be a management tool for planning strategic...
Taming Volatility
Avoid surprises by understanding price volatility before purchase Price volatility is one of the most important characteristics of any bank's portfolio investments. In fact, with interest rates moving rapidly and erratically, price volatility has become...
Tennessee Techie
Making a Statement-Security Bank executives and staff gather around an image sorting machine that processes 1,000 checks per minute. The Dyersburg, Tenn., bank started leasing the machine in 1997 as a means to lower item processing costs for itself and...
The Eye of the Storm
A pause in blustery band consolidations appears short lived for further frenzied action ahead The latest wave of merger mania has hit a breaker. After years of sweeping consolidation in the banking industry, analysts and bankers say that market forces...
We'll Be Y2K OK
Only a few days ago, we all merrily rang in 1999-a new year that we accept with optimism and excitement. Yet as bankers, we must also remember that we are starting the countdown toward the much-hyped Year 2000. Unfortunately, community banks have been...