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. 6, June

A One-Vote Margin
In mid-May, the U.S. House of Representatives passed anti-competitive financial modernization legislation by a margin of one vote. Despite fast and furious lobbying efforts against passage on the part of thousands of community bankers, approval of HR...
Banking's Triple Play
Personal service, tailored products and a knowledgeable staff are a winning combination in small business lending As a community banker, you know that small business is big business. Companies with annual revenues of less than $10 million represent more...
Bidding for IBPAC
Silent Auction fund-raiser earns another record amount What a fabulous auction it was! The ninth annual IBPAC Silent Auction fund-raiser, under the leadership of Jim and Nini Hart of South Dakota and held during the IBAA National Convention in Honolulu,...
Dealer Inventories
Are securities purchased from inventories a better deal for brokers or for bankers? Do you always get a good deal from broker-- dealers with inventories of securities to sell? There is an argument that bankers who buy their banks' securities from broker-dealers...
Eye on Regulations
Agencies tackle consumer privacy, bank merger rules, GSE investing and more Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, this column summarizes recent testimony and comment letters IBAA provides...
Hiting the Jackpot!
Through the ordinary and unusual, community banks posted extraordinary earnings in 1997. Charles Russell is no stranger to the winner's circle. He has consistently led the Kentucky Farmers Bank, Cattlettsburg, Ky., to the leader board with a towering...
It's Quality Time
As good times roll, shore up today's loan portfolios for tomorrow's slide At a national gathering of Small Business Administration lenders, a speaker stood before 500 bankers and asked how many thought lending standards in SBA's low-doc program were...
Making Contact
What to include on your marketing materials to get a response About the worst thing one can do is produce a terrific marketing piece that piques the interest of prospects, but then omits critical contact information they need to respond. I must admit...
Making Easy Money
Debit card use adds up, transaction by transaction, to greater bank revenue Editor's Note: Bank cards are a hot topic in the financial services industry today. ATMs offer more than just cash. Debit cards are growing fast, and smart cards loom on the...
Managing Capital
Learn to maintain return on equity despite shrinking net interest margins Editor's Note: This is the second of a two-part series by Bob Colvin, director of community banking for Sheshunoff Business Information Group, about the difficulty community banks...
Run for the Money
Electronic transactions challenge banks' central role in the U.S. payments system As the new millennium approaches, the payments system is moving away from paper-based transactions toward an electronic, information-based business. What position will...
Seeing T-T-Triple
Consolidation and a booming economy draw three banks to open in same hometown Like his father before him, businessman Jim Ferguson has a vested interest in small and large banks alike. He holds stock in The Bank, a newly formed community bank in his...
Stay out of Court
Take precautionary steps to avoid employee lawsuits he litigious 1990s have dealt a blow to Corporate America. Every day in every state, lawsuits are brought against large, mid-size and small businesses by past, present and potential employees. A majority...
Surf the Net
Internet search tools that help you find the information you want "It is a riddle wrapped in a mystery inside an enigma; but perhaps there is a key-Winston Churchill, 1939 lthough Winston Churchill was referring to Russia, these famous words spoken nearly...
The Small Business Specialist
In 1985, Dan Smith's employer, a company that puts logos and designs on baseball caps, was downsizing and moving its Florida operations to Georgia. Smith didn't want to move or take a pay cut, so he pursued another option: He started his own business....
Thinking through Technology
Bankers look long range to match high-tech tools to customers' needs Never before have community banks confronted so many pivotal, far-reaching technology choices. Constrained by limited budgets, community banks of all sizes are pouring millions of dollars...
Tracking Boxes
Software can speed and streamline safe deposit box accounting Editor's Note: Independent Banker offers this monthly column to inform community bankers about the wide array of banking software products available. This column should serve only as a guide....