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. 12, December

15 Minutes with ... Harvey Gaston
Harvey GastonCEO of the $63 million - asset Peoples Exchange Bank of Monroe County, Monroeville, Ala.ICBA Independent Banker: How's the economy in Monroe County?Gaston: It's still timber-based; used to be textiles, too, but those plants went overseas....
Ashes to Art
KENTUCKY BANKER WALLACE BATEMAN KICK-STARTS A THRIVING NEIGHBORHOODTen years ago, blocks of century-old Victorian, Romanesque and Italianate homes and once-charming bungalows in Paducah, Ky., were shells of their former selves. Crime was on the rise,...
A Year like No Other
What was at stake this year for community banks? No less than the future of our franchises in a monstrous Wall Street reform bill, chock-full of amendments, many of which could make or break us.How did ICBA answer the call? We decided that no matter...
Curtailing Check Costs
Deposit check truncation pilot holds promiseBob Steen is a pragmatist. As president of the $59 millionasset Bridge Community Bank in Mechanicsville, Iowa, he can't spread his operating costs over numerous bank branches. He has only three. So when NACHA,...
Data on Demand
Plan now for highly anticipated data reporting requirements expected from regulatory reformGiven the historic events of the past few months, community bankers probably feel as though everyone involved in the industry-customers, vendors, staff, regulators-is...
Election Wave
ICBA AND COMMUNITY BANKING ARE WELL POSITIONED FOLLOWING LANDMARK CHANGE FROM MIDTERM CONGRESSIONAL ELECTIONSNovember's midterm congressional elections will bring abrupt change in 2011: Republican Party control in the House of Representatives, a new...
FDIC Proposes Asset-Based Assessments
INDUSTRY VICTORYAfter years of ICBA and community banker advocacy, the FDIC formally proposed asset-based deposit insurance assessments last month, as required by the Dodd-Frank Wall Street Reform and Consumer Protection Act, that will save community...
Free at Last?
Repackaging, repricing and creative bundling could soon universally replace free retail and commercial demand deposit accountsPerhaps never before has such a fundamental bank product, the age-old checking account, presented such challenges, uncertainty...
Fully Equipped
Having the best equipment on hand can make a big difference in besting your competition, whether on the golf links or in your community bank's marketplace. Here's a look at community banking equipment that facilitates easier exams and better service,...
Grow Revenue Now
Four steps to increase revenue in the post-Wall Street reform worldWith regulatory restrictions coming from the Wall Street Reform Act, community banks will be facing new challenges for the foreseeable future in terms of growing revenue. Fighting asset-quality...
ICBA Addresses Accounting Concerns
TOP ISSUEWith accounting issues among the top concerns for community bankers, ICBA has continued its campaign to convey the industry's positions to standards-setting bodies. ICBA discussed the Financial Accounting Standards Board's plan for fair-value...
Overdue Sea Change
Acting Comptroller of the Currency John Walsh, an FDIC board member, called it a "sea change." He's right. The FDIC's plan last month to move forward with asset-based Deposit Insurance Fund assessments marks the final step of a persistent campaign by...
Paying Your Lenders
How new rules on compensating mortgage originators could affect your bankIn the seemingly endless waves from America's mortgage storm surge, the latest to hit is a dramatic change in how mortgage originators will be compensated.The Dodd-Frank Wall Street...
Portfolio Trends
A two-year retrospective on investingAt year-end, it might be time to look back (but not askance) at changes over the last 24 months in a typical community bank investment portfolio. There is plenty of information to indicate that these portfolios have...
Smarter Service
How a multichannel approach to user-driven technology can help retain and cross-sell customersConsumers want more of your community bank for their buck, and their expectations of tender, loving care are increasing. First, they want their bank to be available...
Up in the Air
COMMUNITY BANKS ARE SLOWLY EMBRACING CLOUD COMPUTING, WHICH CAN HELP CUT COSTS AND INCREASE EFFICIENCYCommunity banks still tiptoe around the edge of cloud computing, but the promises of lower costs and the ability to roll out new services quickly have...
With Interest: Tool Shop
Mortgage Lending ServicesICBA Mortgage and LenderLiveWith mortgage services provider LenderLive Network Inc. of Denver, ICBA Mortgage has launched a multifunctional platform that provides a suite of secondary mortgage market technology, services and...