Independent Banker

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

Articles from Vol. 57, No. 6, June

15 Minutes with ... Randy Ruggles
President of $16 million-asset Oakdale State Bank in Oakdale, Ill.Q: After 15 years as a loan officer, your first day as a community bank president was January 1. What was your first day like?A: I felt nervous, excited and scared. Never having a position...
Capitol Connection
ICBA INAUGURATES ITS WASHINGTON POLICY SUMMITNearly 300 ICBA leaders and community bankers converged in the nation's capital in April to meet with members of Congress and federal regulators during the association's first Washington Policy Summit. In...
CFA: Round Two
In our nation's capital, clearly and persuasively explaining a problem is the first step to solving it. Outlining a specific, attainable course of action is the next step.For years ICBA has worked overtime to explain how the regulatory pileup emanating...
Full Disclosure
Why relinquishing your credit card portfolio could cost more than potential profitsIt's the worst mistake I ever made," says Rusty Cloutier, president and CEO of Mid- South Bank in Lafayette, La., about his decision in the mid- 1990s to sell off his...
ICBA Fights to Stop the Credit Union Power Grab
The tax-exempt, $800 billion credit union industry is at it again. They are busy working to pass a bill in the 110th Congress that would further fuel their growth and expansion into areas unrelated to their tax-exempt mission of serving people of modest...
ICBA Testimony Pushes for Closure of ILC Loophole
"Now is the time to close the ILC loophole" was the message delivered to Congress by James P. Ghiglieri Jr., ICBA chairman and president of Alpha Community Bank, Toluca, Ill.Testifying on behalf of ICBA before the House Financial Services Committee on...
Jumping into the Fray
Remote branch capture draws interest from community banksWhen First National Bank of Dieterich discussed plans to open a fourth location later this year, the words "implement remote branch capture" quickly rose to the top of its to-do list. The bank...
Subprime Loans Rarely Appear in Bank Portfolios
As everything about the subprime mortgage contagion continues to gain headlines and notoriety, questions from community bank portfolio managers have been increasing. The queries generally point to the concern that bankers have regarding the creditworthiness...
Summer School
Classes may be out for summer, but there's still plenty to learn about from this month's latest products and offerings, many of which focus on fraud.*Breach AnalysisID AnalyticsID Analytics now offers Breach Analysis Services, a solution to determine...
Top 20: ICBA'S LEADING COMMUNITY BANK EARNERS
ICBA Independent Banker publishes its annual listing of community banking's leading earners.Demand for agriculture loans in Oshkosh, Neb., is limited. Yet $35 million-asset Nebraska State Bank, located in a rural town of 800, has statistically one of...
Working in Tandem
Like many ICBA chairmen before me, I've maintained a longstanding relationship with my state banking association. I've even served as its chair, leading an effort to enact major omnibus banking legislation in the Illinois statehouse.Passing the legislation...