Independent Banker

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

Articles from Vol. 61, No. 3, March

15 Minutes with ... Jennifer Stinson
Jennifer StinsonAssistant vice president/underwriter/ processing manager at the $3.2 billion-asset Superior Bank, Birmingham, Ala.IB: How large an area does Superior Bank serve?Stinson: Our 73 branches range from Huntsville, Ala., to Tampa, Fla., and...
5 Easy Pieces
Tools for serving-and saving-your small-business customersSmall businesses employ about half of all U.S. workers. They are the lifeblood of communities across America, and community banks like yours are vital to their continued survival and growth.Passage...
ACCOUNTS for EVERYONE
COMMUNITY BANKS IN AN FDIC PILOT PROGRAM AIM TO BREAK GROUND IN DEVELOPING LOW-COST BANK ACCOUNTS FOR THE UNBANKED AND UNDERBANKEDNine banks are participating in an FDIC experiment to find out whether they can offer low-fee, all-electronic checking and...
Building a New Bureau
ELIZABETH WARREN CHARTS HER VISION FOR THE CONSUMER FINANCIAL PROTECTION BUREAUSince September, Harvard professor Elizabeth Warren, as a special assistant to President Obama, has been organizing the Consumer Financial Protection Bureau and preparing...
Everything in Your Pocket
MOBILE COMMUNICATION IS ROLLING AT THIS YEAR'S ICBA CONVENTIONFor this year's ICBA National Convention and Techworld, find everything you need to know right in your pocket. To help you get the most out of the annual convention, ICBA is providing three...
Fighting the GOOD FIGHT
INCOMING ICBA CHAIRMAN SALVATORE MARRANCA OF WESTERN NEW YORK IS READY TO RALLY THE TROOPS TO PROTECT THE INDUSTRY HE LOVESWhile he acknowledges that there's no lack of challenges facing community banks, Sal Marranca's message to community bankers speaks...
Good Conduct Medal
OFFICIAL ETHICS AND VALUES GOVERN BRYANT STATE BANK, WHERE CHAIRMAN LEE JACOBSON HAS THE AWARDS TO PROVE ITBryant State Bank patrons won't see the community bank's eight employees wearing Mickey Mouse ears. But if they receive service that has that "wow"...
No Seed Money?
Regulatory guidance threatens farmland lendingLike a warning shot, the FDIC issued updated guidance in December that could impose on farmland loans the same stringent portfolio concentration limits that apply to commercial real estate lending. Like the...
Packaging Incentives
AN EXPERT ADDRESSES HOW TO INTERPRET RULES ON EXECUTIVE COMPENSATIONLast June, the federal regulators jointly issued the Interagency Guidance on Sound Incentive Compensation Policies. The guidance addresses incentive compensation policies and how they...
RDC Ramp-Up
Consumer, mobile adaptations let community banks cast wider netRemote deposit capture (RDC) has become a musthave offering for many community banks as a way to court and retain business customers and reduce paper-intense processes. Some community banks...
Regulatory Feedback Loop
Community bankers offer Washington regulators a real-world window on Main StreetFor the 14 bankers on the FDIC Advisory Committee on Community Banking, the chance to tell the agency's bosses firsthand just how burdensome excessive regulation is has made...
Taming Regs Gone Wild
Washington is abuzz with talk about ending outmoded, wasteful and counterproductive regulation. Citing an imperative to bring jobs to the jobless recovery and spur business investment, President Obama is touting a new priority for sensible government...
There's an App for You
Why and how your community bank should encourage mobile bankingSometime in the next two years, smart phones will begin to outsell both standard cell phones and PCs. During that same period, according to the 2010 ICBA Community Bank Technology Survey,...
The Secret of My Succession
Naming a successor to the CEO is among the most important strategic decisions community banks must make. The following two case studies offer an inside look at the processIs someone ready to step in and take your place? Perhaps this isn't a question...
'We Have a Lot of Work to Do'
SENATE BANKING COMMITTEE CHAIRMAN TIM JOHNSON DISCUSSES WALL STREET REFORM, HOUSING, INTERCHANGE AND WORKING WITH REPUBLICANSThroughout his political career, everything about Sen. Tim Johnson (D-S.D.) has radiated clear-eyed calm, pragmatism and moderation....
When Foot Traffic Walks Away
Cascading trends from declining check writing to transaction and sales automation compel new retail delivery decisionsLess check writing alongside growing use of selfservice channels is eroding branch foot traffic like never before. It's no shocker that...
With Interest: Tool Shop
A Welcome $3.4 Million DividendNearly 1,200 ICBA member community banks are sharing a $3.4 million policyholder dividend for participating in the Travelers SelectOne ICBA Preferred Service Provider insurance program. This is the ninth consecutive dividend...
You Can Do It
Over my past three years on ICBA's Executive Committee, community bankers have often asked, "How do you do all this and still run your bank"? First, I have a wonderfully supportive staff and board. Second, with advancements in communication technology,...