Independent Banker

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

Articles from Vol. 53, No. 2, February

A Call to Service
COLORADO COMMUNITY BANKER BOB BEAUPREZ COMES TO WASHINGTONIt's not every day a banker receives a call from the chairman of the National Republican Congressional Committee saying that the president of the United States wants him to run for Congress. But...
A Study in Contrasts
INDEPENDENT-MINDED ALABAMAN RICHARD SHELBY TAKES TOP SENATE BANKING CHAIRAt the start of the 108th Congress, Alabama Republican Richard Shelby took over the helm of the Senate Banking Committee. Entering the final two years of his third term, Shelby,...
Champion of Reform
REP. SPENCER BACHUS OFFERS VITAL SUPPORT FOR COMPREHENSIVE FEDERAL DEPOSIT INSURANCE REFORMCongressman Spencer Bachus represents the Sixth Congressional District of Alabama, which includes Birmingham, the South's biggest banking center behind Charlotte,...
Education and Training
Growing PainsICBA seminars help banks tackle growth issues and remain competitiveGrowth is a major issue facing community banks. Operating with a concentrated geographic focus and frequent appearances of new competitors, bankers are working harder than...
From the Top
Engine of Privacy RegulationFederal information sharing provisions in the Fair Credit Reporting Act are set to expire on Jan. 1, 2004. The provisions preempt state laws regarding information sharing among affiliated companies. As such, these provisions...
Lender Life
Clearer Skies AheadUsing technology to survive and thrive in the mortgage stormIf your mortgage staff has been in a daze for months, they have very good reason. The industry is experiencing the greatest mortgage deluge ever: $2.5 trillion in mortgages...
Main Street Focus
Stepping on Home TurfThree banks thrive in the backyards of behemoth competitorsConsider these recent headlines from three of the nation's major dailies: "SunTrust Inks Agreement as Official Falcons Bank" (Atlanta Journal Constitution); "Bank One Courts...
Marketing Matters
Right on TargetStrategies to help market to your best customers, selectivelyThe key to any successful business is marketing the product or service correctly to your target market. Banking is no different. When it comes to financial products and services,...
Newslines
ICBA Insurance Program Pays BIg DividendEfforts to reduce insurance claims and manage exposure in the workplace has yielded a $1.038 million, 5.7 percent dividend to be shared among almost 1,000 community banks participating in the ICBA-St. Paul Insurance...
Portfolio Management
Changing InvestmentsUnderstanding the impact of low rates on community bank portfoliosRates started down in December 2000, fell more than 450 basis points in 12 months and are now at 40-year lows. Community bank portfolio yields have held up remarkably...
Tech Talk
Fortifying AccountsSoftware catches potential check fraud, while securing commercial relationshipsA little-known crime fighting software has been available to bankers for nearly 15 years. And when that tool means a new revenue stream for a bank without...
Under The
NEW LEADERS SETTING THE POLITICAL AGENDA FOR THE 108TH CONGRESSTax reductions, consumer privacy, bankruptcy reform, deposit insurance reform and regulatory relief issues top the list of financial services issues lawmakers will tackle in the current 108th...
Who's Minding the Store
Watching check imaging rise, banks face in-house or outsource choiceThanks to a Federal Reserve study released last year, it's no longer a secret that paper check volumes are dropping. Meanwhile the banking industry is moving faster toward using check...