Independent Banker

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

Articles from Vol. 55, No. 2, February

A Tale of Two Industries
ICBA pushes for two-tiered regulationIn the world of banking there are the big and the not so big, the complex and the simple.On the side of size and complexity stand trillion-dollar-asset institutions replete with banking, insurance and investment enterprises....
Breaking the Code
A robust tax policy agenda is poised for the 109th CongressAction on major tax policy initiatives will keep lawmakers quite busy in the 109th Congress. Notably, in his first post-reelection press conference, President Bush took an opportunity to firmly...
Check 21: Round Two
By now we've all heard the first round of questions and concerns about Check 21. Our customers may have been alarmed by some exaggerated media coverage, but after initially worrying about how their checks will be processed, they've noticed little, if...
Cushion Bonds
Municipal bond investments with built-in comfort factorsInvestments that make sense are sometimes hard to find during low rate cycles. It can be difficult to find good yields without taking on an undue amount of price volatility. As shown in previous...
Finding Your Way
An orientation session welcomes newcomers to ICBA's conventionAttending the annual National Convention is something that many community bankers consider one of their favorite aspects of ICBA membership. Those attending the convention in San Diego last...
GAAPing for Air
FASB, AICPA, EITF, GAAP, FAS. Aughh! An alphabet soup of entities and issues are creating confusion and uncertainty over the accounting rules we use.Community banks had a couple of close accounting calls last year. For a while it looked like the lifeblood...
ICBA Leaders Visit China
China is a land of ancient temples, burgeoning markets and, for at least a short while last November, community bankers.An eight-member delegation of community bankers with the ICBA and the California Independent Bankers (CIB) made the 8,000-mile trip...
Legislative Forecast
A look at how key banking issues could play in the 109th CongressThe House Financial Services Committee and the Senate Banking Committee have a full plate of issues that they left unresolved in the last Congress. These include the regulation of the housing...
Marketing to the Max
Online banking was intended as a promotional toolToday, many community banks offer online banking solutions in many forms. Some are hosted by a third-party processing company that pulls the consumer to a Web site, and some offer electronic delivery of...
Scotching the Red Tape
Why a tiered approach to regulation is critical for the banking industryAfter a long career in banking and a second career in government, I believe regulatory burden is a problem for the entire banking industry from Citibank to the smallest community...
Shooting Stars
Outstanding achievers shine as community banking's best and brightestCommitment. Ingenuity. Leadership. Integrity. Old-fashioned hard work. These are all hallmarks of community bankers working on and behind our industry front lines every day.This month...
Signed and Verified
Technology permits check verification even in a virtual worldFirst Western Bank & Trust in Minot, N.D. opted to forgo the paper check processing for imaging in its back office environment over a decade ago-making it the first bank in North Dakota...
What's Next in Agriculture
Flashpoints on the agricultural horizonThis past year witnessed plenty of controversy on the agricultural front including several issues of interest to agricultural lenders. In trying to forecast the year ahead, I find my crystal ball is always much...