Independent Banker

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

Articles from Vol. 59, No. 3, March

15 Minutes with ... Leon Royer
Leon RoyerVICE CHAIRMAN OF $476 MILLION-ASSETAMERICAN BANK IN BOZEMAN, MONT.Q. Tell me about the market that American Bank serves.A. Our [five] branches span the mountains of Western Montana. We are headquartered in Bozeman, Mont. Our other branches...
24-Carat IDEAS for Motivating Staff
2009 ICBA NATIONAL CONVENTION & TECHWORLD MARCH 18-22, 2009-PHOENIXICBA convention workshops to help you keep employees focused in good and challenging timesThe story of First Premier Bank in Sioux Falls, S.D., sounds a little bit like the famous...
A New Loan Liquidity Facility
ICBA ADVOCATED LAUNCHING NEW "TALF" PROGRAMCommunity bankers may have yet another financial relief program acronym to remember: TALF. The Term Asset-Backed Securities Loan Facility will extend up to $200 billion in nonrecourse loans to holders of high-quality...
Building Core Deposits
WEIGH YOUR OPTIONS TO DETERMINE THE RIGHT FUNDING MIX THAT WILL SUSTAIN YOUR INSTITUTION DURING GOOD TIMES AND BAD.The liquidity breakdown that has been an underlying cause of the current financial markets crisis over the past year has community bankers...
Data Cleansing: One Way to Control Expenses
Maintaining quality customer data can cut expenses, and improve efficiency.Nearly every business is feeling the pinch of the recession and adopting some form of belt-tightening. One method that is often overlooked for reducing operational costs involves...
Deposit Pressures
Steps to Win the Increasingly Competitive Deposit GameThe credit crisis is dramatically changing the competitive landscape for bank deposit gathering. Three events, in particular, are directly affecting funding costs for all financial institutions, including...
Emerging Payments
Reaching growing consumer groups to expand your bank's servicesAre you a community banker scouting for new customers and new revenue opportunities? If so, take the time to learn more about the rapid growth of so-called emerging consumer markets in our...
Examination Overkill
Over and over, lawmakers and administration officials have urged financial institutions to increase their lending activity to help refuel our moribund economy. And ICBA has widely and passionately delivered the message throughout Washington and the nation...
Financial Feng Shui
The changing face of the branch environment is molded by innovative design elements and sales tools purposed to heighten the customer experience. All customer touch points within this silhouette are designed and created with the goal of improving the...
Finding the Right Equipment and Expertise
COMMUNITY BANKS THRIVE ON EXPERIENCED KNOWLEDGE, INNOVATION AND SPECIAL EQUIPMENT CREATED ON THE FACTORY FLOOR. SEVERAL PRODUCTS AND SERVICES, RANGING FROM SOPHISTICATED CONSULTING SERVICES AND SPECIALTY SOFTWARE APPLICATIONS TO HEAVY-DUTY BANK HARDWARE...
Health Screenings That Come to You
HEALTHThere's something new under the sun-something that has been growing in popularity over the last couple of years: workplace health screening. Across the country, health care screening companies are offering health evaluations for you and your employees...
How Did Sandy Spring Make Retail Sales Part of Its Culture?
RETAIL SALES SAVVY IS THE KEY TO GRROWTH FOR MANY COMMUNITY BANKS-INCLUDING SANDY SPRING BANK IN OLNEY, MD.LED BY TODD ELLIS, SANDY SPRING INITIATED AN AGGRESSIVE, STEP-BY-STEP APPROACHThe phrase "Sandy Spring" may call up images of a peaceful, slow-moving...
In His Own Words
An Interview with ICBA Chairman-elect R. Michael S. Menzies SrIB What are the highest priorities you see for ICBA and its members as you prepare to assume the association's chairmanship? What do you see as the most important issues ICBA will confront...
Man of the "Plain Folk"
IN THE HEART OF PENNSYLVANIA AMISH COUNTRY, COMMUNITY BanKER BILL O'BRIEN SERVES A UNIQUE POPULATION-WITH UNIQUE SKILLS,Independent community bankers serve a wide variety of clienteles. Their ability to tailor their services to the special needs of the...
Mike Menzies: BURNISHED for LEADERSHIP
A man for the times, R. Michael S. Menzies Sr. of Maryland is ready to become IiCBA's new chairman.Perhaps the man and the moment are coming together. R. Michael S. Menzies Sr., president and CEO of Easton Bank and Trust Co. in Easton, Md., assumes the...
Profitable Liquidity: Yes, You Can
Four steps to rise above today's intense deposit competitionProfitable liquidity is considered by many to be a bit of an oxymoron. Most banks believe that liquidity is never profitable and that it actually costs them money. Nevertheless, it's something...
Software as a Service
Considering the possible benefits of a pay-per-use service modelPaying a per-user rate for a software application, also commonly referred to as Software as a Service (SaaS), is a relatively new service model. The concept might be gaining some traction...
The New Face of Retail Banking
Relationship banking responds to changing timesNeedless to say, banking has changed dramatically over the past 50 years. Even the changes over the last decade have been dramatic. Technology has propelled many of these changes, and now customers are connected...
Timely Opportunity
It's a Great Time for SBA LendingIf your community bank is among the many hundreds that are taking serious stock of their lending activities, consider that the time for Small Business Administration (SBA) lending just may have arrived. At a point in...
To TARP or NOT to TARP?
COMMUNITY BANKERS WEIGH THE PROS AND CONS OF ACCEPTING AN EQUITY INVESTMENT FROM THE U.S. GOVERNMENT. DEPENDING ON THEIR CIRCUMSTANCES, SOME BANKERS EXPECT TO TAKE THE FUNDING, WHILE OTHERS PLAN TO STEER CLEAR OF IT. THEY ALL HAVE THEIR REASONS.Whether...
Upon Reflection
It is almost impossible to put into words my memories of the past year. I am very honored to have had the opportunity to serve ICBA and our nation's community bankers as your ICBA chairman.What surfaces, immediately, in the montage of memories are the...
Who's Next?
Succession Planning is Essential to Wealth PreservationThe uncertainty that can often surround management succession can rattle public markets and disturb private company operations. Planning for an orderly succession in leadership is essential to maintaining...