Independent Banker

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

Articles from Vol. 50, No. 4, April

A Highway Revival
A, West Texas business strip wins a rebirth under a special loan program When construction on a portion of the Houston Harte Expressway was finished in the mid-1980s, residents of San Angelo, Texas, soon found themselves shopping at the malls and big...
A New Look.And More
ICBA's Web site gets a makeover and exciting new features Change is in air at ICBA. In March 1999, IBAA changed its name to the Independent Community Bankers of America to better reflect who we are and the communines our members serve. In January 2000,...
Budding Opportunities
Marketing tips for agricultural banks to grow market share If you're a banker in rural America and a large share of your loan portfolio is concentrated on the farming industry, how do you market your bank? Marketing agricultural banks is clearly a different...
Catching the Big Mo-Mentum
Social events are planned. Bank tours for children have been arranged. Lobbies are decorated. All across the country, community banks are joining in the Community Banking Month celebration. Many banks are joining the celebration for the first time. Others...
Cracking the Code
Unlock the mystery of tech lingo to create user-friendly understanding Have you ever hired a technology consultant who spoke a language seemingly closer to Swahili than English? Does consultant-speak make your eyes glaze over? Ever find yourself nodding...
FHLB Changes
New rules make membership easier, and this is very good for community banking The ICBA worked very hard to ensure that the Gramm-Leach-Bliley Act enacted in November liberalized the requirements for Federal Home Loan Bank membership for community banks....
New Officers, New Century
INDEPENDENT COMMUNITY BANKERS Of AMERICA ICBA PRESIDENT Thomas J. Sheehan, Grafton, Wis As community banking's new national spokesman, Tom Sheehan brings diverse skills and expertise to ICBA's top leadership post. He is a polished public speaker. He...
Payments and Process
Agencies debate new rules on FHLB governance and electronic payments ACH Payment Form Issue: Proposal to establish an enrollment form for federal government vendors to receive federal payments and paymentrelated information for electronic data interchange...
Raising Deposit Insurance
At our hugely successful convention this past month in San Antonio, FDIC Chairman Donna Tanoue-speaking to a packed room of more than 1,100 community bankers-told us that that the FDIC would undertake a comprehensive review of the nation's deposit insurance...
Successful Selling
Understand the five ways of leveraging your customer's buying cycle Every sales person knows it all too well. The message is heard in every sales meeting: "We just can't seem to close that deal. It's dragging on longer than we expected. We know they're...
Sunshine and Service
Florida bank rises in the ashes of a big bank's demise Launches are nothing unusual along Florida's east coast. After all, it's the home of the Kennedy Space Center. But it's not every day that a new bank gets off the ground in Merritt Island, Fla.,...
Tracking Deadbeats
Child support enforcement laws will have banks help find delinquent parents A lesser-known portion of federal welfare reform will soon come home to roost at your community bank, if it hasn't already. Under the Financial Institution Data Match provision...
Trust Preferred Securities
Increase capital through a method that leverages equity and debt Is there a way to increase Tier 1 capital at the bank holding company level without diluting the ownership of current shareholders? Does an instrument exist that can be considered equity...
Vetting the Vendors
A fresh round of competition, price shopping and connection questions arise in online banking marketplace When Helen McIntosh of Tehama Bank in Red Bluff, Calif., recently did an apples-toapples, Comparison of two Internet banking vendors, she noticed...
Web Banking Boom
Community bankers are whetted to provide online services With Y2K behind us, bankers are turning their attention to technology that touches their customers at home. Web-based banking has moved to the forefront as the delivery channel of choice for consumers...
Wholesale Funding to Flower
Congress triggers rule changes within the FHLB system, including greater community bank access the Gramm-Leach-Bliley Act of 1999, signed into law by President Clinton in November, will make sweeping changes to the operations of the Federal Home Loan...
Winning Web Sites
Take tips from outstanding community bank Web sites Think only big banks have great Web sites? Think again. In a 1999 study cosponsored by ICBA, the consulting firm RSM McGladrey identified 20 outstanding community bank Web sites. These banks received...