Independent Banker

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

Articles from Vol. 59, No. 9, September

15 Minutes with ... JOHN V. EVANS JR
CEO OF THE $825 MILLION-ASSETD. L. EVANS BANKBURLEY, IDAHOiB: D.L. Evans is a large, family-run community bank. How has that influenced your career and life?Evans: My wife and family are the most important part of my life. I have three sons, who work...
Autumn for Too-Big-to-Fail?
After a long August of scorching town-hall meetings in their home districts, members of Congress are returning this month to the highly uncertain political climate of Washington, D.C. This year's remaining agenda for Congress and the Obama administration,...
Congress Sets off to Tame the Dino-Banks: Too Big to Fail
THE ERA OF TOO-BIG-TO-FAIL FINANCIAL INSTITUTIONS, WHERE GIANT DINOSAUR BANKS AND NONBANKS WERE ALLOWED TO FEAST AND GROW WITH ABANDON, COULD BE IN ECLIPSE.Financial regulatory reform legislation aiming to subdue systemically dangerous, sometimes predatory...
Consumer Agency Angst
AS CURRENTLY PROPOSED, THE CONSUMER FINANCIAL PROTECTION AGENCY WOULD HARM CONSUMERS AND THE FINANCIAL SYSTEM IN MYRIAD WAYS. ICBA AND COMMUNITY BANKERS ARE LEADING THE EFFORT TO ENSURE THE BEST PUBLIC POLICY WINS OUT.As President Obama's proposals for...
Do You Tweet?
Many community banks are adopting Twitter for public communicationBy now you know that Twitter is the hot new public communication medium where users, both individuals and organizations, post messages (or "tweets") with 140 or fewer characters. Financial...
Efficiency Ratio
Consider the best practices for optimizing this key performance factorHigher-performing community banks know that the key to growing profitably and building franchise value is to control what they can and strategically manage what they cannot. The efficiency...
Getting the Word OUT
FOUR SAVVY COMMUNITY BANKS USE A VARIETY OF CREATIVE MARKETING IDEAS-AND MEDIA-TO CREATE TOP-NOTCH ADVERTISING CAMPAIGNS"Doing business without advertising is like winking at someone in the dark. You know what you are doing, but nobody else does."It's...
Helping Small Business
A good customer named Fran came into my community bank this week. Her company's natural-health products sell wonderfully, but she says she would be "going broke" if not for a loan from my community bank. Her loan is paying for inventory, employees, marketing...
Planning Power: Five Community Bank Executives Offer Their Strategic Planning Insights
Does your community bank have a living, evolving strategic plan? Do you spend considerable time reviewing and updating it? Did your officers draw up a strategic plan years ago and leave it on the shelf?Whether done annually or less frequently, strategic...
The Case for Buying Loans
Mortgages can be an attractive investment right nowThe incredible shrinking net interest margin problem that plagues most community banks at the moment can in large part be reduced to a cause-and-effect analysis. The cause is too few highquality loans...
The Power of Z
Are you ready to adopt changes in your loan process next month?The Federal Reserve Board amendments to Regulation Z for higher-priced mortgage loans (HPML) are just about here. The rule will prohibit financial institutions from extending credit without...
With Interest: Tool Shop
IN ADDITION TO UNMATCHED SERVICE AND EXPERTISE, COMMUNITY BANKS OFFER AMONG THE BEST-IF NOT THE VERY BEST-PRODUCTS AND WARES AVAILABLE IN THE FINANCIAL SERVICES INDUSTRY. THEY DO THIS THROUGH A RANGE OF BUSINESS PARTNERSHIPS AND SPECIALIZED OUTSOURCED...