Independent Banker

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

Articles from Vol. 61, No. 2, February

15 Minutes with ... Candace Wolke
Acting CEO at the $22 million - asset State Bank of Conway Springs, Conway Springs, Kan.IB: Conway Springs sounds small. Is it?Wolke: Our population is 1,200, and the area's very agricultural: wheat, milo, soybeans, corn. There's lots of farmland real...
A Work in Progress
EXPERTS ON THE CFPB, ITS RULEMAKING PROCESS AND WHAT COMMUNITY BANKS CAN ANTICIPATECommunity banks are facing a wide variety of regulation and compliance questions on agency actions, including those involving the Dodd-Frank Wall Street Reform and Consumer...
Bad Public Policy
Since its suspiciously one-sided beginning, the debit interchange price-fixing legislation was terribly misguided. You know firsthand the reasons why: The legislation (and now proposed rule) is a dangerously destabilizing assault on a well-balanced,...
Best in the Business
Seven community bankers who glow with smarts, service and a can-do attitudeEvery February, ICBA Independent Banker brings you a glimpse of several ICBA Rising Stars of the community banking industry. These employees of ICBA member banks shine because...
Beware Malware
Protecting against the latest malware threats to your bank and its customersThe all-powerful Zeus held in awe by the ancient Greeks may have been a myth, but the Zeus striking fear into the hearts of community bankers is all too real. "Zeus is the most...
Capitol Hill Forecast
What's ahead in the new political landscape for the 112th CongressCommunity bankers and your ICBA government-relations team face a busy congressional agenda this year following a dramatic shift in power. While we don't expect legislation as far-reaching...
Do's and Don'ts of Cre Stress Testing
Tips to help you prepare for regulators and better analyze your commercial real estate riskMost community bank credit departments would much rather focus on analyzing potential new deals than on responding to regulators' requests for new stress-test...
In the Pink
CINDY YOUNG OF FAIRFAX STATE SAVINGS BANK CREATED A MOVEMENT IN EASTERN IOWALast Oct. 10, 13,000 people gathered on a balmy day for an annual rite in Cedar Rapids, Iowa: the Especially for You Race Against Breast Cancer. Infants to nonagenarians from...
Performance in Black and White
Tracking bond investment alternatives in stark reliefI have of late noticed a disturbing propensity in my behavior. I seem to have trouble staying focused on whatever I'm supposed to be focused on. (My family, friends and colleagues are not so sure this...
PIN Debit's Bright Future
Consumers of all ages want to use it for more transactionsThere was a time when consumers preferred to use cash more than any other means of payment. Then they adopted a "buy now, pay later" philosophy, and credit card purchases prevailed. In a way,...
Ready for BRIGHTER Days
ICBA convention workshops offer ideas on preparing for the post-recession futureAfter hunkering down through the financial crisis and the harsh recession that followed, many financial institutions are emerging from their foxholes. Life has not returned...
SBA Lending's Resurgence
Discussing the Small Business Administration's loan programs assistance, opportunities and futureAll government-guaranteed lending programs have experienced a resurgence in demand and resources since the credit troubles from the financial crisis. The...
The First Round
ICBA continues its long-term fight against debit interchange price fixing with a coalition of alliesICBA continued its efforts to vigorously oppose government price fixing of debit interchange when the Federal Reserve Board in December released severe...
The Marathon
Ever since the president signed the Wall Street reform bill into law last summer, our regulators have been writing the rules necessary to implement its many provisions. Likewise, ICBA has been working to protect the interests of our industry, so we can...
To Scan or Not to Scan
Counting the costs of imaging systems-and of not using themCommunity banks might well get an early return on their investment in document imaging systems. But before they compare the current costs with the potential savings of such a move, they must...
With Interest: Tool Shop
Loan and Deposit ManagementWOLTERS KLUWER FINANCIAL SERVICES INC.New features have been added to ComplianceOne, Wolters Kluwer Financial Services Inc.'s documentation and workflow system for loan and deposit account transactions. Wolters Kluwer, an ICBA...