Independent Banker

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

Articles from Vol. 57, No. 11, November

15 Minutes with ... Larry Potter
President & CEO of $132 million-asset First Missouri State Bank in Poplar Bluff, Mo.Q: First Missouri State Bank's motto is "Where First Means More." What does that mean?A: That means our customers come first. Examiners, when they come into the bank,...
CIO Confidential
Three of the industry's best chief information officers give ICBA the inside scoop on all things techWhat keeps chief information officers (CIOs) up at night? Keeping customers satisfied, competition at bay and regulators appeased-all while balancing...
Cornucopia of Choices
From lending products to ATM and ACH technologies, November's Tool Shop serves up a variety of product and service offerings.*Director IntranetBanc Intranets LLCBanc Intranets LLC has launched Banc- Works for the Web, an online portal to address and...
Damage CONTROL
Bankers debunk misconceptions held by those investors left floundering in the wake of the subprime wreck"I'm not sure why in the world our stocks are getting beat up because they've got a mortgage crisis in America; we're not in the [subprime] mortgage...
Don't Overlook Asset Allocation
One interesting theme I discovered in my recent dealings with bank owners and senior executives is what I call the barbell approach to investing. Most clients invest the bulk of their assets in their own bank stock and round out their portfolio with...
ICBA: Who We Are!
The Independent Community Bankers of America-the name is a mouthful, but the name says it all! ICBA has one mission-community banks. We are the unified voice for community banks. We are YOUR VOICE!As the voice for community banks, ICBA embodies the hopes,...
Non-Maturity Deposits Gain Sensitivity
It has become axiomatic in asset/liability management circles that a given community bank's non-maturing deposits (NMD) have very little of the rate sensitivity attached to its CDs. It has been pretty easy to empirically document that the rates paid...
Operation Electronification
THE CONVERSION FROM PAPER CHECKS TO DIGITAL PAYMENTS IS TODAY'S WINNING STRATEGYStarting in the 1970s, with the introduction of payment cards, banking industry pundits began predicting that we would soon become a checkless society: a society where individuals...
Overdraft Protection Limits: More Harm Than Good
It is an unfortunate tendency of Congress to wield its legislative sledgehammer when a surgical strike is what's called for (SarbOx, anyone?). And when self-appointed consumer advocates add their rhetorical fuel to the fire, it becomes quite challenging...
Part of the Solution
Not a day goes by that I don't see a headline in the newspaper about the current problems in the subprime mortgage marketplace and the broader "credit crunch" that has surfaced as a result.But there's good news for those of us in community banking: Because...