Independent Banker

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

Articles from Vol. 54, No. 6, June

A Banner Year
Many of the latest community bank top performers rode the refinancing boom-while keeping a tight rein on expensesBarry Orr will tell you that Jefferson Bank is just a baby of an institution. Born from a merger between a $30 million-asset bank and a seven-office...
Bridge Builder
Sen. Tim Johnson-getting things done across the political aisleEnacting legislation is a complex process. It's about personal connections, persuasion and, yes, tenaciousness-all attributes that U.S. Sen. Tim Johnson has in abundance. Right away he sets...
Counsel's Corner
Listening for WhistleblowersEmployees are shielded for reporting possible financial irregularitiesCommunity bankers should take note of a perhaps lesser-known section of the 2002 Sarbanes-Oxley Act, commonly referred to as the "whistleblower" provision....
Fine Points
Power of ICBA MembershipMembership is the essence of every trade association. At the core, it's about numbers and shared ideals. The more members an organization has the more influence it exerts. And organizations guided by common principles achieve...
From the Top
Celebrating HomeownershipCommunity bankers are in the business of extending home loans. It's part of what we do and how we prosper to serve our communities. For most people, buying a home is the biggest, most complicated financial transaction they make...
Housing Heft
Single-family mortgage lending is BIG BUSINESS for community banksThere are powerful forces in Washington that believe the existing regulatory framework over Fannie Mae and Freddie Mac needs overhauling. Similarly, a few think that regulation of the...
Lender Life
Thinking 'Outside the Box'New Jersey bank's creative approach goes all out for small businessesEvery day, parents from Paterson, N.J., and surrounding communities drop their children off at Memorial Day Care. Founded in 1887, Memorial is the oldest daycare...
Making the Grade
Banks get instruction on preparing for an information technology examWhat's 12 volumes long, eight inches thick, and filled with information on which thousands will be graded? The good news for school children is that it's not the latest version of the...
Marketing Matters
Ahhh! The Simple LifeMost people prefer the few-frills, do-the-basics option every timeCustomers appreciate stability in their lives. They want to know how things work and tend to resist change, as many of us do. They dislike and distrust organizations...
Marketing through the Ages
What it takes to draw and keep customers through the generationsThe raw statistics are enough to make any banker drool:* Seniors own more than 80 percent of all money in savings accounts;* Seniors own 79 percent of America's financial assets;* More than...
Membership Central
Virtual VirtuesEmployees beef up on customer service training over the 'NetICBA took a new leap in virtual training, migrating its popular customer-service training program from video and printed paper to the Web. In December, it rolled out the online...
Newslines
Community Banker Weighs in on the state of Rural America ConferenceSharing a stage with two senators, ICBA Vice Chairman Terry Jorde outlined the benefits of a "master plan" for revitalizing rural America at a symposium dedicated to the subject.Following...
Payments Processing
Triple-DES TimeThe deadline is fast approaching for ATM and POS encryptionTriple DES. While it seems like only yesterday when bankers first heard the term, debit issuers and ATM owners now have less than 12 months to meet the National Institute of Standards...
Portfolio Management
Key Bank CharacteristicsComparing large versus mid-size, high-performance community banksInterest rates have dropped dramatically since the Federal Reserve started dropping rates in December 2000. And as shown in Graph A, rates have remained at 45-year...