Independent Banker

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

Articles from Vol. 46, No. 8, August

A Banking Agenda for the Future
The top 10 critical issues of change community bankers face ahead The current environment for banking is anything but timeless. What we are seeing today in the financial services industry is a rapid and dramatic changeevery bit as volatile as hurricanes...
Analyzing Fruitful Investment Plans
You can learn bankers' strategies for investment success Last year, I wrote about investment portfolios in banks with assets of less than $300 million. The column separated these banks into four quartiles based on their portfolio tax-equivalent yield....
Can-Do Banker Makes a Difference in North Dakota
Cando (pronounced Can-doo), N.D., is a long way from the suburbs of Chicago and Minneapolis where Terry Jorde grew up, but it's where she has forged an impressive career in banking and racked up several "firsts" at a relatively young age. Ms. Jorde's...
Credit Scoring's Inapparent Risks
If not used carefully, such decision-making software could invite legal troubles Credit scoring has become ubiquitous. Community bankers have scads of credit-scoring products available to choose from, including generic credit scores from credit reporting...
Electronic Tax Filing Nears
Bankers should help their business clients enroll with the IRS by September Many business owners, as many as 70 percent according to one recent survey, don't realize that they will soon have to file their company's federal taxes electronically. But beginning...
From the Top
The first thing you may notice about this issue of the Independent Banker is that for the first time, we feature a woman CEO, Terry Jorde, presently our most active and visible female member and CEO, alone on the cover. In May, we featured an African-American...
Global Strength, Local Services
The best way to keep your customers may involve traveler's cheques It is a small world after all. Any barriers that once impeded the global flow of people, information and commerce have virtually vanished. This year, almost one in 10 Americans will travel...
How to Keep Your Best Customers
Guard your bank's bottom line with IBAA Community Banking Network services Community bank competitors are skillful at wooing your best customers and then cross-selling various services to them. Even vendors that offer services for banks, such as credit...
Keeping Your Best Customers-At Home
IBAA Mortgage programs can meet your customers home-buying needs Your community bank wants to provide its customers with an optimum range of products with the best quality of service. So, IBAA Mortgage Corp. was founded in 1991 to provide IBAA members...
Loading Your Marketing Arsenal
Eight core marketing tools that help you compete in a cut-throat market Keeping hold of your best customers is getting harder as competition heats up from big banks, credit unions and non-bank banks. Following last month's definition of marketing, let's...
Long Distance Dialing
Sprint offers business services for community banks Sprint Business Service Group, part of Sprint's Long Distance Division, offers businesses of all sizes and complexities-including community banks-a suite of voice, data and video services to help you...
Maximizing Your Best Investment
Bankers are embracing innovative human resources programs to compete and win To stay competitive, community banks are rediscovering what they've always known-that their employees are their best line of defense in retaining and gaining market share. Sophisticated...
Partnership Offers Tools to Compete
Equifax, IBAA Bancard provide credit cards to credit reporting (TABLE OMITTED) We've come a long way. Ten years ago, IBAA and Equifax had just begun a partnership. Our objective was to help community banks compete in the credit card market in ways they...
Pit Stops on the Information Highway
Fuel your banking engine at helpful goverment Web sites The Internet is big stuff now. Eighteen months ago many of us considered it a technological novelty. Today, a sizable portion of corporate America tunes into the World Wide Web to conduct its work-a-day...
Purchasing Guide Helps Bottom Line
It's a great resource for products and services to help you keep your best customers To keep your best customers, and attract new ones, you must provide quality products and services at competitive prices. To stay competitive, you must also watch your...
Reaping the Wellness Dividend
Preventive health program reduces insurance premiums, improves lives An ounce of prevention is worth a pound of cure. With special emphasis today on preventive medicine-from annual physicals to well-women exams to fitness seminars-bank employees who...
Retirement Plans Hook Customers
Marketing 401 (k) plans poised as a lucrative, high-growth market for community banks As more people realize the importance of funding their retirement, there is a staggering number of small companies looking to set up 401(k) retirement plans for their...
Rules for Brokers in Banks Opposed
NASD proposal would impose excessive requirements and limit consumer choice LETTERS FILED Conduct of Broker-Dealers Operating on Bank Premises-Securities Exchange Commission. IBAA and its broker-dealer subsidiary, IBAA Financial Services Corp., opposed...
Southwest Bankers Brace for Fallout
Devastating drought could reap financial troubles for region's farm sector Community bankers across the Southwest are girding themselves for a possible bumper crop of troubled loans. This is a result of farmers and ranchers grappling with the financial...
Staying Competitive with Technology
From debit cards to ATM services, prepare now for the new wave of customer products If you discovered one day that your best customers were quietly leaving your bank for the bank down the street because it offered more convenient banking services, wouldn't...