Independent Banker

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

Articles from Vol. 52, No. 7, July

Bank Investments
Take Out YieldSometimes you can make more money by reducing book yieldTake out yield is the I market yield of a security already owned. It is the yield at which someone else is willing to "take you out of" a bond you own. If, for instance, you purchased...
Faithful Lending
Putting trust in community churches can make good customersTourists to Dallas flock to the State Fairgrounds, Southern Methodist University and Texas Stadium where the Cowboys play. Soon, the list may be expanded to include the Cathedral of Hope.Architectural...
From the Top
Land of OpportunityIn June, we celebrated National Homeownership Month. Homeownership, and the financial independence and security it offers, is a universal aspiration of the modern American dream. Homeownership also has buttressed the American economy...
Marketing Matters
Holding PatternsMake the most of telephone hold-time to sell customers on your bankImagine calling a bank and asking to be put on hold. Sound crazy? How about asking to be put on hold for 30 or 40 seconds?Well that's exactly what I did for this month's...
Newslines
Sharing Our StoryTo assist the marketing efforts of ICBA members, ICBA is offering the Round Trip Dollar marketing program.The marketing program, which offers statement stuffers in packs of 500 and tent cards in packs of four, illustrates how money deposited...
Reviewing the Options
Regulators consider expanding access to streamlined CRA examsWhen banks undergo CRA examinations, regulators look at everything-from the diversity of banks' loans to their charitable donations and their community involvement.Devon Bank in Chicago is...
Smooth Transitions
Planning ahead for community banking's next generationAs the youngest of eight children, Mark Field says he learned to be enterprising early in life. He also learned what it means to be a community banker, watching his dad be the "George Bailey" of his...
The Big Picture
To grow, agriculture producers seek funding outside the boxUpstate New York, about 35 miles southeast of Buffalo, is prime dairy country. Here mom- and pop-size dairy farmers have profitably sold milk to dairy cooperatives for decades. But with margins...