Independent Banker

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

Articles from Vol. 56, No. 11, November

Front and Center
Planning, security and loan origination take the spotlight in this month's new product offerings.*SECURITY MANAGEMENTIntellitacticsThe latest release of Intellitactics Security Manager simplifies the implementation and admi nistration of security information...
Identity Verification
Complying with authentication guidance mandatesFinancial institutions of all sizes and charter types have roughly 60 days to comply with the guidance governing authentication requirements for Internet-based financial services. The October 2005 guidance,...
Optionality Options
Structured deposit and investment deals proliferateGood balance sheet managers have had to come to grips over the last 10 years with a necessary evil in the name of profitability: Optionality.Stated another way, ever-increasing portions of a community...
Price-to-Earnings Multiples
Can bank valuations hold in a tough stock marketing environment?In the public market for community bank stocks, most companies trade versus their price to earnings multiple. Some community banks are still trade versus their book value, but this is typically...
Straight Talk about Technology
Community bankers Bruce Miller and Gary Kern sound off on technology obstacles and opportunitiesCommunity bankers make reputations on personalized service, but those interactions are increasingly influenced by technological innovations running on the...
That's My Bank
A few weeks ago, while attending a piano performance in my hometown of Cando, N.D., I noticed a woman a few rows ahead of me in the auditorium sitting with an adorable red-headed, freckled boy. They stood out to me for a couple of reasons. First, I had...