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. 9, September

15 Minutes with ... Diane Hicks
President/CEO of $52 million-asset Union State Bank of West Salem, Wis.Q: You entered community banking as a mid-career change. What did you do before and why did you change careers?A: I managed a law and tax office, and after many years there, I reached...
A Matter of Heritage
The American revolt against mixing of banking and commerceVoltaire said, "History never repeats itself; man always does." That single statement sums up nicely my opposition to the mixing of banking and commerce. And while it is true that no two historical...
Back to School
Summer is over, and class is back in session. Get schooled on the latest community bank product and service offerings with this month's Tool Shop.*ATMsTritonTriton, an ICBA Preferred Service Provider for ATM equipment and services, released its first...
Cause for Celebration
At nearly every state convention I attended this past year, community bankers shared their anger over the Farm Credit System's (FCS) Horizons project, the thinly veiled attempt to expand FCS non-farm commercial and residential mortgage lending under...
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...
Credit Spreads Still Narrow
If you've been wondering about the incredible shrinking credit spreads of the last four years, you're probably darn tired of the matter; so much so, in fact, that you're possibly prepared to buy some securities that have structures that you'd never heard...
Curb Regulations, Not Regulators
Our world is replete with rhythms and cycles, natural and otherwise. The world of ideas is no different. You can count on some ideas, good and bad, to come around again every so often. So it is with proposals and studies to reform or streamline our financial...
Dial - a - Bank
Community banks call on mobile technology to deliver remote transaction servicesWachovia launched it this past December. Wells Fargo rolled it out this summer. Bancorp South has it, too.It's mobile banking-the ability to check balances, pay bills and...
Hatching a Diverse Portfolio
Rural banks redistribute some of their loan portfolio eggs into non-agriculture basketsBrian Pohlmeier had never been to Japan. Nor did he serve a Japanese customer base. Yet, the Pacific Rim country had far too strong an influence on the balance sheet...
How to Manage Assets to Protect and Build Value
Competitive forces challenging community banks are getting more and more intense, particularly as growth slows in various regions throughout the country. Given the ongoing spread compression and aggressive demand for deposits, lending is becoming less...
Pulling Data Together
Financial analysis software organizes key information throughout the bankEven before Community Business Bank opened its doors, Mark Day was on a mission to find a better way to capture a daily snapshot of the bank's financial health. Like other chief...