Independent Banker

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

Articles from Vol. 46, No. 10, October

A Banker's Dozen
Community bankers share 13 everyday promotional ideas that work Community bankers are an innovative lot. They have a wonderful knack for finding just-right, unconventional, ingeniously simple solutions to their marketing challenges. Here's a dozen down-home...
AMEX Dealing a Bad Hand in Payment Cards
At first blush, the latest offer from American Express to issue "co-branded" credit cards in partnership with banks may look like a safe bet. In exchange for handing over your customer list and renting out your bank name and logo, you can earn some fee...
Campaign '96
Campaign fever doesn't usually hit most Americans until about a month before actual November elections. Still, 1996 is a presidential election year and the interest is a bit higher than the usual mid-term political contests. Polls midway through the...
Charting Your Home Banking Course
Not all consumers will `bank in their bathrobes,' but a significant number will The banker on the phone was from Pennsylvania and sounded concerned. "We need to make some drastic changes," he said. "We need you to tell us how to return to the days when...
Civic-Minded Bank Web Sites Growing
Electronic billboards become public relations tools by touting community resources, events Even small banks with modest Web site budgets can design Web sites that successfully compare with those of much larger banks. Effective Web site design is not...
Colorado's Comeback Kid
With leadership, creativity and grit, Steve Sherlock fights to keep community banking strong in southeast Colorado. Who says small community banks need "niche" banking to grow and prosper? Just ask Stephen Sherlock, president of the $108 million-asset...
Drastic Reform Is Necessary to Prepare the Agency for the Next Century
For the past four decades, the Small Business Administration has served as the voice of smalland medium-sized business in the federal government. As we approach the end of the 20th century, it is time to evaluate the role of government support for business...
Filling the Void
If Daniel H. "Skip" Wiley had even a smidgen of doubt that residents of Ironton, Ohio, would not welcome a new independent community bank in town, survey results from an independent consultant in early 1994 laid them to rest for good. The survey found...
From the Top
In the December 1950 inaugural edition of the Independent Banker magazine, Montana writer N.B. Matthews called for "uniform publicity on checks, stationery and advertising" as a good way to demonstrate to consumers the bank's independent status. This...
Improvements Already Underway to Accommodate Agency's Expanding Lending Role
The mission of today's Small Business Administration is ensuring that government works more effectively and more efficiently for America's small business community. Our dedication to this mission is enabling more entrepreneurs than ever before to own...
Mutual Feelings at Nebraska Bank
A mutual fund investment program bolsters ag bank's longtime customer ties Jeffrey L. Gerhart, president of the First National Bank of Newman Grove, Neb. (pop. 830), knows from experience that a bank's growth rests on two key tenets-broadening the product...
New Interest-Rate Risk Exams Coming
Bankers need to know how to qualify for "exam lite" On June 26, the Federal Reserve, the Federal Deposit Insurance Corp. and the Office of the Comptroller of the Currency issued the white paper "Joint Agency Policy Statement: Interest Rate Risk," which...
Six Ways to Save Postage Expenses
Barcoding consolidation and postcards can trim bank's mailing costs Bulk mailings are a standard part of doing business for most community banks. Whether distributing monthly account statements or promotional announcements, postage costs can be a significant...
Tapping into Insurance
Pursuing a profitable sideline, bankers face key decisions striking into new terrain or a while, bank president Jim Caspary had been interested in diversifying banking products at First National Bank of Clifton, Ill. So in early 1995, when an opportunity...
Tools to Help Your Bank Automate
EDITOR'S NOTE: The Independent Banker introduces this new monthly column to let community bankers know about the wide array of software products available for their banks. This column should serve bankers only as a guide. No implied endorsement of software...
Trimming Paperwork
EDITOR'S NOTE: To keep bankers informed of proposed rules and other issues open to comment for regulatory agencies, we are providing the following summary of recent comment letters filed by IBAA. LETTERS FILED Bank secrecy Act, Currency Transaction Report...
Working a Political Convention for IBAA
An ongoing goal of the IBAA is exercising bi-partisan political influence on behalf of our members. This means contacting, befriending and carrying our message to the political players of both parties holding sway over banking and financial matters in...