Independent Banker

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

Articles from Vol. 51, No. 2, February

A Sure Thing
Variable-rate CDs can boost core deposits and customers' return For some time community banks have seen their core deposits move out-out of low-yield savings accounts and into riskier equity instruments elsewhere. Tired of modest rates from safer savings...
California Leads Way
The Golden State gives community banks easier access to state and municipal deposits Responding to member concerns about reduced liquidity and core deposits, the California Independent Bankers Association went to work seeking new state sources for its...
Community Banking Month: Celebrating Communities and Banking: Catching the Spirit
Community Banking Month celebrations spread the true meaning of local banking The punch is prepared and the balloons are on order as once again community bankers nationwide get ready to celebrate Community Banking Month in April with a variety of activities....
Exams by the Book
10 commandments for dealing with regulators in an uncertain environment Is the "boom" cycle over? Who knows? That certainly seems the case for the once high-flying dot-coms of the world. But, more important for community bankers, the regulators perceive...
Extra, Extra!
Bank literacy program lets high schoolers read all about money management From the perspective of a high school teacher, few things are better than a lively discussion. That's why Eric Ford, an instructor at Golden West High School in Visalia, Calif.,...
Hot Seats: 2000 Election Brings New Faces to Congressional Power Seats
The opening of the 107th Congress and the inauguration of President Bush in January signaled a sea of change of political power in Washington for the banking industry. Senators and representatives have moved into new committee seats, including the influential...
Membership Keeps Doors Open
Your ICBA leadership spent the Jan. 6-7 weekend working at a Dallas Airport Hotel. The purpose of the meeting was to discuss a topic of key importance to every voluntary trade association-membership. Once a year we approach the community bankers of this...
Mirror, Mirror on the Wall
Are your customers loyal after all? Wouldn't it be great if there was a magic mirror that could tell you everything you needed to know about your customers? One that could tell you which customers will transfer their accounts to other institutions, why...
North Dakota Banker Advises Bush at Economic Summit
Who says you have to be a Citibank to capture the ear of the most powerful man in America? Not Terry Jorde, president and CEO of CountryBank USA, a $35 million-asset bank in Cando, N.D. Representing ICBA, Jorde proved the point in January when she joined...
Online Education Finance
Web site's three-step process helps banks play in the student loan game BrainScratch.com, a simple, referralbased program developed and operated by Student Loan Finance Corp. in cooperation with ICBA, lets community banks add a student loan option to...
Reducing Your Exposures
FFIEC report offers basic tips on managing technology vendors and risk Of course, community banks are doing much more for customers than keeping an eye on their money. Today banks offer everything from Internet banking to investment products to insurance,...
Risk Made Easy
Static interest-rate-risk models often work as well as high-tech ones The FDIC's assistant director in charge of capital markets (read bank portfolio investments), Bill Stark, always begins his interest rate risk workshops by asking, "What are the components...
Setting the Standard
Agencies tackle loan-lease allowances, fair credit requirements and FHLB capital Editor's Note: This column summarizes recent testimony and comment letters ICBA provides to federal banking agencies. Allowance for Loan and Lease Losses Issue: Proposed...
Sizing Up ATM Service
Tips on selecting the right service partner for your bank's cash machines ATMs are great for helping you gain and retain customers, but only when they are up and running. Your bank's success at this begins with negotiating a good ATM service contract...
Tumbling Barriers
Federal Reserve pushes legislation to ease use of electronic check images Increasingly, the banking industry is turning to technology to enhance the way its day-to-day business is performed and make it more efficient. With these goals in mind, the Federal...
Washington's Sculptor
An American history lesson on the beginnings of keyman insurance On Feb. 22, our country celebrates and honors the birthday of President George Washington. "First in war, first in peace, and first in the hearts of his countrymen," Washington was also...
Weathering the Storms
A story in the Dec. 8, 2000, Wall Street Journal, "Small Banking Stocks Vault Over Their Bigger Brethren," confirmed what community bankers have long voiced-dollar for dollar, community banks and thrifts run more conservative institutions than their...