Independent Banker

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

Articles from Vol. 45, No. 8, August

Finding Emerging Loan Opportunities
It is easy to forget that commercial loans are the product of consumer demand for goods and services. In this sense, commercial-lending strategists need to pay sharp attention to what is happening in the consumer marketplace, particularly during periods...
How to Boost Your Bank's "Return on Dues"
You all know your banks' ROA and ROE. But what's your ROD--your "return on dues"? The IBAA Community Banking Network's family of services provides you the opportunity to greatly increase your return on IBAA dues, which serve as your passport to the Network....
IBAA Financial Services Tackles Retirement
As significant employers and critical players in local economic development, community banks can play a major role in helping their employees and customers enjoy what has become the new American dream--the ability to live well in retirement.The American...
Mortgage Lending: What the Future Holds
As we move toward the 21st century, mortgages will continue to be the largest single financial transaction that most consumers make. Banks that recognize this--and that implement an effective marketing plan backed up by a cost-effective delivery system--will...
Raising Cash with Brokered Deposits
In today's market, bank loans are growing faster than deposits. Liquidity is at a premium and banks are scrambling for cash. Fortunately, most community banks have strong capital and are able to raise funds through a variety of sources: Federal Home...
Rescind Rescissions
The right to rescind non-purchase real estate loans has been a part of Regulation Z and Truth in Lending since 1969.Since then, thousands of borrowers have been inconvenienced by the inability to access their loan proceeds prior to the end of the required...