Independent Banker

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

Articles from Vol. 60, No. 7, July

Business Partners
A small-business researcher explains what employers want from lendersWhat do small-business owners want from a banking relationship? The flip answer is more money at low interest. But there's more, and much of it is good news for community banks.As senior...
Canceled Checks
How far we've come from physically moving paper checks through the clearing processFew in the industry reacted to the March 2 announcement that the Federal Reserve banks had completed the closure of 44 paper-check-processing offices. In stark comparison...
He Who Hesitates
Simple investment modeling can help quantify cost of waitingIt's out there, looming ever closer. The longer we wait, the more ominous it appears. In the mind's eye, this specter of an actual Fed-funds interest-rate hike has grown to epic proportions.But...
Ideas Still Matter
When Sen. Jon Tester (D-Mont.) spoke before the ICBA Washington Policy Summit this spring, he thanked ICBA and our leadership community bankers for "speaking the truth" and providing lawmakers with constructive proposals during the financial reform debate....
Lending a Hand
Software that uses data to improve loan decisions, risk management and reportingMost community banks could use an extra hand or two in their loan departments. With regulators' increased concerns about high commercial real estate concentrations, institutions...
Less Paper More Profit
Seven steps for making your bank's commercial lending process more efficientIn today's post-recession economic environment, commercial lenders must continue to find ways to improve operating efficiency and their ability to compete for loan opportunities....
Let's Talk Lending
COMMUNITY BANK LENDERS SAY DEMAND IS WEAK BUT PROSPECTS ARE GETTING BRIGHTERWho's WhoCommunity banker roundtable participantsRoss Knottpresident and CEO of Petersburg State Bank, Petersburg, Neb.The $20 million-asset community bank in northeastern Nebraska...
Links to the Future
Is it time to strengthen the links in your bank's lending chain?When strategically seeking lending technology and process improvements, consultants say know what you've got, then identify what you need and decide what can waitThe time could be ripe for...
Loans: Our Specialty
We are on the brink of a golden opportunity to capture more market share and to write and securitize more mortgages than ever.Our wonderful nation has been through a lot over the past three years: an economy in free fall, land prices tanking due to Wall...
Missing the Mark
FASB'S MARK-TO-MARKET ACCOUNTING PLAN WOULD DISRUPT COMMUNITY BANK BALANCE SHEETSDespite ICBA warnings about the dangers of mark-to-market accounting to community banks, the Financial Accounting Standards Board (FASB) released a proposal to mark nearly...
Purpose Driven Bank
AS A COMMUNITY DEVELOPMENT BABANK, SOUTHERN BANCORP IS CHARTERED TO CHANGE LIVES FOR THE BETTERFew community banks can claim to have been started by a future first lady. Perhaps equally few have initial investors who agreed to give up financial returns...
Tool Shop
Document E-SignaturesINTERNATIONAL DOCUMENT SERVICESMortgage document preparation system provider International Document Services of Salt Lake City, Utah, offers e-signature options. Available through the company's IdsDoc platform, the system allows...