Independent Banker

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

Articles from Vol. 45, No. 10, October

Assigning Board Committees
Committee work by your board of directors is indispensable to the smooth, efficient operation of the board and maintenance of safe and solvent banking at your institution. Do not base committee assignments solely upon time-honored traditions, social...
Branching into Bilingual Banking
A conservative St. Paul, Minnesota, institution --Cherokee State Bank -- departed from tradition when it ventured into new territory to open a branch in the city's west side. But what makes this branch opening really significant is that it is fully bilingual....
Crossing the Electronic Banking Threshold
As Ken Martin prepares to introduce the debit card at Cashmere Valley Bank, Cashmere, Washington, he reflects back to a similar experience at a regional bank in the early 1980s. He had first attempted to offer debit cards, only to find that prevailing...
Express Bank: Six-Wheel Banking
There is pizza delivery, bookmobiles and doctors who make house calls.Now another on-the-go service has hit the financial industry: full-service banking on wheels.Farmers and Mechanics National Bank of Frederick, Maryland, has launched a rolling bank...
Fees Flow from Pre-Paid Cards
The Olympic flame heralding the opening of the 1996 Olympic games in Atlanta also will mark the introduction of Visa's stored-value card. Some of community banking's competitors -- First Union, Wachovia and NationsBank -- have teamed up with Visa for...
IBAA Bancard Inks Deal to Guarantee Network Access
Community banks nationwide will soon have fair and equitable access to the nation's rapidly growing electronic banking networks. IBAA Bancard, Inc. and FIserv EFT have formed an alliance to offer this access. Such access will allow community banks to...
In Any Event, Document
It's 9:00 a.m. on Monday morning and the IRS agent auditing your bank's income tax returns for the past three years wants supporting information for certain "problem loans" in the bank's portfolio. The agent starts a line of questioning ranging from...
Independent Bankers' Source of Strength: They Enjoy What They Do
Observers of the banking scene usually forget to evaluate one of the greatest strengths of the independent bank and its management: They have fun.Superregionals talk about their "corporate cultures" and in doing so, some stress that they offer a solid...
Investments That Make More Sense
CJ.: "Hi, Mr. Banker. I would like to interview you for the Independent Banker. When would be a good time for you?"C.C.B.: "Well, as you know, I'm a community banker, so my plate's pretty full. Let me look at next Thursday. First, I have to open up....
Nationwide Consolidation Accelerates
What a difference a year -- and changes to long-existing banking legislation -- can make.In September 1994, President Clinton signed the Riegle-Neal Interstate Banking and Branching Efficiency Act, lifting key restraints against the establishment of...
Providing "Service Quality" in New Mexico
As consolidation continues to ripple through the banking industry, some observers predict the community banks that are most likely to survive and prosper will be those that best serve their "niche."One way that community banks can protect their franchise...