Independent Banker

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

Articles from Vol. 54, No. 10, October

Advertising APPEAL
5 Community Banks Share their Secrets for Marketing SuccessAdvertising isn't for the faint-hearted.Bankers need to look no further than the bottom line numbers to grasp how serious getting the message out has become:* According to industry sources, banks...
Breaking Down Barriers
Striving for greater outreach to lure the 'unbanked' into mainstream servicesLanguage barriers. Limited savings. Mistrust of the banking system. Lack of information. Identification and residency status questions. These are all major hurdles the immigrant...
Counsel's Corner
Asking QuestionsStarting points for audit committee discussionsMy business partner, Katherine Koops, has studied corporate governance issues for financial institutions in light of the Sarbanes-Oxley Act of 2002, and offers the following insights for...
Fine Points
Giving Diligence Its DueSometimes it takes a while for a good idea to take hold. That's particularly true for cautious Washington, where the lumbering apparatus of big government grinds slowly on consensus and compromise.The nation's capital is burgeoning...
From the Top
A Regulatory Rx for ChangeTo cut through today's regulatory red tape you'd need a chainsaw rather than a pair of scissors. In the last few years alone, community banks have been saddled with the privacy rules of the Gramm-Leach-Bliley Act; the customer...
Lender Life
Island ConnectionsNew Florida bank makes personal service on offshore islands its home turfIn most beachside communities, summer is the busy season for business. Tourists infuse cash into local restaurants, shops and hotels, and property is bought and...
Main Street Focus
Familiar FacesTennessee bank extols merits of personal serviceJim Ayers has a list of communities where he'd like to open a bank. The chairman and owner of Tennessee-based FirstBank has scoped out neighborhoods and found places with healthy economies...
Marketing Matters
Going for the GoldBankers score high marks in community serviceAs I was watching the 2004 Summer Olympics, I was amazed at the number of dedicated athletes who work so hard toward perfecting their talents. I began to understand that their motivation...
Membership Central
Membership DriveBankers spread the word on the benefits of ICBA involvementAssuring the strength of ICBA's membership has always been a key component of serving the interests of the nation's community banks. More members equates to more political power...
Newslines
ICBA Hot Ticket at Political ConventionsWhile the votes for the upcoming presidential election have yet to be cast, the verdict is in on ICBA's lobbying outreach at the Democratic and Republican national conventions-it's a success!Joining forces with...
Payments Perspective
Wampum to WebThe meaning of money through today's world of bits and bytesFor centuries people have used various forms of currencies to sell and purchase goods and services.In the early days of the American colonies, the currency of choice was Wampum,...
Portfolio Management
Analyzing ARMsDeciding which investment instrument makes the most senseThe highest yielding Adjustable Rate Mortgage (ARM) investment instrument today may not be the highest yielding ARM tomorrow. In today's market, for example, an ARM coupon of 5 percent...
Services Update
Work in ProgressICBA revamps its Web site for greater ease and functionalityCommunity bankers will soon have an easier way to keep up with the ICBA.After nine months of work, ICBA's technology team is nearing completion of a new edition of the association's...
Tech Talk
Legal FrameworkWhat community bankers need to know about check image exchangesJust as it was intended, Check 21 has spurred financial institutions of all sizes and charters to begin thinking about the next generation of check processing. Many community...