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. 5, May

A Timely Opportunity
Two years ago the 106th Congress worked feverishly to hash together historic financial reform legislation in the waning days of its first session. Bit by bit and amendment by amendment, in a fragile culmination of many years of compromises and horse...
Best of the Best
Community banks conquering cyberspace with award-winning sites The Internet is no longer simply a tool for the forward thinking. Your Web site can be a fundamental means for growth--providing you with an opportunity to improve customer service, increase...
Building a Brand
Helpful hints before you launch a brand campaign Imagine this, a customer enters your lobby, approaches a customer service representative and says, "I'll have a checking account-hold the fees, an order of plain blue safety checks (but monogrammed), overdraft...
Comfy or Cool?
Five years ago, when South Umpqua Bank opened its new branch in Roseburg, Ore., bank President Ray Davis enjoyed watching customers "come in, then walk back out and look up at the sign to make sure they were in a bank. Our 'store' does not look like...
Hold or Fold?
Sorting through your best options in originating or selling SBA loans Today, SBA loans can be originated by filling out a brief, online application. These simple applications have generated new interest in SBA loans. And, SBA lending can increase market...
In Southern Style
ICBA's new chairman, Bob Gulledge brings political and regulatory experience to Washington Robert I. Gulledge knew he'd found his calling when he stepped into a bank after leaving the family farm to strike out on his own. What he didn't expect was a...
Letter of the Law
Maintaining your bank's eligibility under Subchapter S corporation tax rules Editor's Note: On June 14 and 15, 2001, in Kansas City, ICBA will be co-sponsoring with the Independent Bankers Association of Texas, a two-- day seminar, "Subchapter S: The...
Making the Leap
Starting in insurance requires forethought and unvarnished analysis At one time or another, most of us have heard a horror story about a bank that entered the insurance business and fell flat on its face in a pile of failure. The bank may have bought...
Moving beyond Checks
Digital image systems begin branching out at community banks Converting checks and other paper documents to digital images has been a strategy for several years now with large, technology-savvy banks and corporations. Now anecdotal evidence is growing...
Realizing the American Dream
ICBA helps form a broad-based alliance dedicated to promoting homeownership When a person owns their own home, they are considered to have realized the "American Dream." Our nation's rate of homeownership is at an all time high of 67.7 percent, but that...
Selective Data Marketing
Moving from one-size-fits-all to a one-to-one information world Database marketing has long been touted as a great method to improve marketing results and better serve the needs of banking customers through more carefully targeted product introductions...
Serving a New Role
Former community banker John Reich takes his place as a new FDIC board member As bank regulations move towards bifurcation based on size, it is comforting to know that the newest FDIC director has solid community bank experience under his belt. John...
Set to Go
Advertising Made Easy ICBA's turnkey advertising program is ready to go. You simply pick which ads to run, fashion them with your name and logo, and then book the media time or space. Available exclusively to ICBA members, the program offers a wide range...
Sharing Common Goals
New banks and thrifts join ICBA to gain strength in numbers All across the country, banks are joining ICBA, the only national trade association that exclusively serves community-based financial institutions. The ICBA gives community banks a voice that...
Talking Up Products
With proper training and incentives, referrals help customers and boost sales Anyone who calls your bank for information on a home mortgage could easily turn into a lifelong customer. It's often not a big leap for home loan buyers to move their checking...
Thief in the Night
Fellow community bankers unite to capture bank robbers When Gregg Mullins went to sleep on the night of Sept. 12, 2000, he had no idea of the events that were about to transpire-events that would have a profound impact on his life and strengthen his...
Three Bankers Prove Service Is Job Number One
When Rick Saunders, his brother Paul and Dale Porter opened First Reliance Bank in Florence, S.C. almost two years ago, there was one thing they knew was necessary to distinguish them from all the big-bank competition they faced: outstanding customer...
Traveling in Texas
ICBA policy meetings allow bankers to weigh local and national issues Building on a long tradition of direct community banker leadership, the ICBA board of directors initiated a new program to reach out to its grass-roots membership through its network...
Unlocking Privacy Rules
Buckling down for the new consumer privacy rule deadline In our data-driven world, information is king. Easy access to information, though, has raised concerns about privacy, and banks now have to take extra care in how customer information is used....