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. 4, April

Cooking Up a Supermarket Partnership
Amid the hustle and bustle of registers beeping, carts clanging and shoppers talking, the public-address system announces: "Bank seven days a week in aisle 10. Banking convenience where you shop!"Did your ears deceive you? No, it's supermarket banking,...
Fair Lending Answers
Editor's Note: Deval L. Patrick, U.S. assistant attorney general for civil rights, recently sent the following letter to IBAA Executive Vice President Ken Guenther and chief executives of six other major banking trade associations.I am writing to answer...
In Hope There's Trust
Contrary to the popular cliche, bigger does not automatically mean better--the banking industry is living proof. Yet while no one can cast doubt on the quality of service and customer loyalty which are trademark to community banks, many of these institutions...
Managing Risk
On February 8, 1995, the OCC issued Advisory Letter AL95-1 to "ensure that all national banks prudently manage their interest rate risk exposures." AL95-1 is the latest in a continuing stream of formal, informal and proposed actions by the OCC, FDIC...
Questioning Derivatives
Stories about financial institutions experiencing financial loss due to their use of derivatives continue to make headlines. The latest victim making headlines is Barings PLC of London.Banking regulators have issued guidelines on derivative usage. Following...
There's Nothing Small about Community Banks' Participation in Small Business Administration Lending Programs
These days community banks are finding it easier and more profitable to do business with at least one part of the government. Through Small Business Administration lending programs, many community banks are boosting small-business lending and carving...
Tradition Aside, a Louisiana Bank Creates Unique Framework for Teamwork
Looking to build a unique corporate culture for your bank? Check with the $90 million-asset Cross Keys Bank in St. Joseph, Louisiana.It's an institution that seems to have effectively refined the process and created a good result: positive employee morale."In...