Independent Banker

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

Articles from Vol. 46, No. 1, January

Agencies Offer Remedies for Bankers' Exam Headaches
When it comes to compliance exams, Wayne Jones knows even an innocent holiday greeting card can trip up a community bank.A compliance officer for Oconee State Bank, Watkinsville, Georgia, Jones recalls how a problem arose over what Federal Deposit Insurance...
Check Truncation for Small Banks
EDITOR'S NOTE: This is the first of a two-part series on electronic check truncation. The second part will appear next month.If cash is the engine driving our financial system, checks are the grease that makes it hum.The number of checks that passed...
Helping out with Local Facelifts
Forget the stock market. Ignore discussions of politics and religion. And never mind the people butting in line at the grocery check-out counter.One Colorado neighborhood bank has found another matter to get bullish about: community reinvestment.FirstBank...
Ride the Future High-Tech Wave
A new time is at hand.The rapid revolution of technology in the mortgage industry promises to change the way mortgage loans are originated, processed, underwritten and closed. At least half of all new loans will be credit-approved in less than one hour....
Should Banks Outsource?
Norm Kempf started out searching for a better employee investment plan for his community bank. But an unexpected twist of events instead led his community bank to a firm that took over the daily responsibility of running its trust department."We started...
Six Women Community Bankers Tell How They Worked Their Way into the Executive Suite
Last year marked the 75th anniversary of women's suffrage. The campaign that ultimately won women the right to vote took almost as many years.Today, the struggle continues as women strive for parity with men in the work force. In the first quarter of...
The "Modernization" of Glass-Steagall
Over the years, various proposals have been floated to modify or repeal provisions of the Glass-Steagall Act. The basic protections built into the Depression-era law are even more important today, given the proliferation of exotic derivatives and the...
To Boost Sales, Hit the Streets
Even today, some bank calling officers avoid making sales calls in person. When asked why, individual reasons vary.But most officers admit that they simply "play the business development game" because management insists on--but it does not really dedicate...