Independent Banker

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

Articles from Vol. 51, No. 3, March

A Portal Postulate
Implementing a portal strategy increases a Web site's value to customers Not long ago, I took a cruise to the Bahamas. In preparing for the trip, I discussed with my travel agent the different cabin options and accommodations available for the cruise....
A Russian Journey
Private business banking emerges in big-hearted city on the Volga Editor's Note: Community banker Salvatore Marranca, nominated as ICBA secretary, and bank consultant Paul L. Simoff recently traveled to Samara, Russia, to teach about U.S. banking practices...
At the Grass Roots
In many ways, ICBA builds the foundation of community banking across the country Like our members, ICBA has always stressed personal service as a hallmark of membership. With an accomplished 71-year history of championing and promoting our industry,...
Banking on Insurance
Some community banks hop on Gramm-- Leach-Bliley Act as springboard to insurance and other services Management at Texas First Bank in Texas City, Texas, held off investing in an insurance agency for more than a year because of concerns about existing...
Branching Out
Lean times in agriculture lead more rural banks to diversify into new markets Mark Buckley, president of the Iowa-Nebraska State Bank in South Sioux City, Neb., says the farm crisis of the mid-1980s taught him the importance of preparing for change....
Electrifying Electronic Check Payments
Re-engineering the Retail Payment System Remains a Long-Term Federal Reserve Goal Camden Fine, president of the Midwest Independent Bank, Jefferson City, Mo., stays on top of emerging payment system issues by staying up with the Federal Reserve. As a...
Ergonomically Correct
Get ready for the laborious new worker-injury rules from OSHA To reduce the number of employees suffering from musculoskeletal disorders (called MSDs) from strennous or repeated job functions, such as lifting heavy objects or typing, the Occpationol...
Friends on Capitol Hill
Backed by community banking, Hefley and Nelson know and fight for Main Street America With a respect for community banks nurtured by deep heartland roots, Rep. Joel Hefley (R-Colo.) and Sen. Benjamin Nelson (D-Neb.) are typical ot the political leaders...
Getting Connected
Sorting through your 21st century voice, data and communications options In this era of new competitors, consumer-branded virtual banks, e-payment facilitators and financial portals tugging at your customer's loyalty to your bank, what can a community...
Heading Downtown
Persistently, Atlanta banker builds a bank pursuing inner-city opportunities Shirley A. Langley will always remember the first time she met George Andrews, president and CEO of Capitol City Bank in Atlanta. It was 1996. Langley was a "struggling" certified...
ICBA President Recognized for Community Service
ICBA President Tom Sheehan, president and CEO of Grafton State Bank in Grafton, Wis., received the 2000 Outstanding Community Banker Award from the Community Bankers of Wisconsin. The association accepted nominations from its 225 member banks, and a...
Mission: Not Impossible
Four steps to develop an effective mission statement What do most successful community banks have in common? A clear, concise mission statement. Why? Because mission statements keep organizations focused, motivate employees and lets your customers know...
Passing the Baton
This time last year, at ICBA's national convention in San Antonio, FDIC Chairman Donna Tanoue, to tremendous community banker applause, announced that the FDIC would undertake a comprehensive review of the nation's deposit insurance system. The question...
PC Protection
Advice to help keep hackers out of your business customers' computers On any given day hackers try to breach my Internet-connected computers a halt dozen or more times, looking either to take over programs on my PC or to launch electronic attacks against...
Planning for Tomorrow
Burgeoning opportunities may await community banks in trust services If your bank doesn't already have a trust department, now may be the time to consider offering trust services. As baby boomers prepare for retirement, asset-management services could...
Right on the Money
Uniform Commercial Code revisions affect how banks document and issue loans Article 9 of the Uniform Commercial Code, which governs the creation of security interests in personal property and delineates the rules and procedures for a bank to obtain personal...
The Internet Impact
Anticipating the future's risks and rewards of community banks going online It's never easy to get a clear picture of a moving object, especially when the object is moving as rapidly as banking technology is today. One thing, however, is clear. Technology,...
Three-Point Sale
Master the three biggest pitfalls that championship sellers avoid Successful selling involves more than just knowing about your bank's products and services. It's also about understanding customers and knowing how to construct a quality sales presentation....