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. 12, December

A One-Code World
FINANCIAL SERVICES SOFTWARE FIRMS HOPE TO ESTABLISH KEY STANDARDS IN 1999 Technology vendors and financial service consultants hope 1999 becomes a landmark year in technological progress, not because of new geewhiz games and gizmos, but because of software...
Chasing Change
Change is a constant element of the Internet. For users, going online today means obtaining the latest information quickly and easily. For online information providers, this means keeping up with constant change. Consequently, Web site development is...
De Novo Portfolios
New banks rely on solid investment returns to start off De novos sometimes feel like the Rodney Dangerfields of banking. They start with minimal assets and are not in any of the banking industry's recognized listings. As a result, they must take it upon...
It's Back to Work
Community banks are helping people migrate from welfare to the workplace For many years, Mary Huston enjoyed her role as a stay-at-home mom. Then her husband walked out the door of their Upland, Calif., home for the last time. With only a high school...
Making a Statement
Electronic documents usher in a new generation of tailored bank statements Almost everybody relies on bank statements. Though hardly glamorous, they're functional and necessary. They're the papers that record and recap the everyday transactions of life....
Online Defense
Regulators offer security guidelines on managing PC banking risks As banks are rushing to seize the many advantages of PC banking, they must also adequately address the new delivery channel's potential risks. In the past, banks could rely on third-party...
Plug into Cable
Advertising on cable TV may be less expensive than you think The Super Bowl reigns supreme among all media extravaganzas. More than 133 million people tuned into Super Bowl XXXII this past January to watch the underdog Denver Broncos beat the odds-on...
Profits Lost.And Found
A modern tale about reviving a profitable credit insurance program Where did the profits go? To insurance administrator Jan Young, her community bank's credit insurance program had practically run itself. As a natural extension of the bank's healthy...
Speaking to Agendas
Flagging weak loans and thrift Web sites pique regulatory interest UNIFORM RETAIL CREDIT Issue: Proposal to update policies used by federal bank examiners to identify loans that exhibit weaknesses that could result in bank losses if not corrected. Agency:...
Stiffen Your Armor
Regulators warn banks to keep internal controls strong Fraud happens. No matter how hard a community bank works to safeguard its assets, some sharpshooter is going to try to find a chink in your armor and make a play for the heart. From take-themoney-and-run...
Take Credit Where Credit Is Due
Community bankers no doubt have experienced a feeling of distaste as they review the legislative record of the last Congress. On the regulatory side, the Federal Reserve's conditional approval of the largest financial conglomerate merger in our history-that...
The Futures Market
Tap into the burgeoning marketing potential of Generation X Generation X-the often analyzed, frequently misconstrued group of 20- and 30year-olds standing in baby boomers' wide wake-is coming of age. And community banks better take notice, marketing...
The Missouri Middleman
Camden Fine serves as an innovative banker banke for Midwest community banks His bank has 30 employees but no tellers. It offers no checking accounts and it operates no ATMs. It has no vault, because it keeps no cash on hand. In fact, his bank has no...