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. 8, August

A Reminder Note
Put together a more profitable credit life operation OK, it has been on your "to-do list" for months: Review credit life operation. You even wrote it in red and underlined it, but now that it is staring you in the face, you don't really know where to...
Back to School
Seminar helps teach new lessons in retail financial services As nine community bankers filed into the fourth-floor conference room, they were greeted with a thick three-ring binder jam-packed with information that would be covered in their weeklong seminar....
Catch the Wave
Banks are recognizing that cross selling can boost the bottom line You've probably seen and heard the statistics: The more services a customer has with your institution, the less likely they are to switch banks. Just one extra service, in fact, can decrease...
Charting New Territory
Comments to Regulators Regulators gauge charter application issues, real estate services and interstate banking Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, this column summarizes recent testimony...
Courting Online Business
Community banks take to the Web to compete with their bigger brethren The Internet not only offers customers convenience, but it also offers community banks another way to compete with larger banks, according to many technology experts. Aside from the...
Doing It All
If nutured properly, credit cards programs can build name recognition, cutomer retention and greater profits For some banks, rapt attention to customer service and retention has seemingly fallen by the wayside. It is very true that community banks need...
Finding the Answers
ICBA's family of service companies can solve your profitability puzzle Bank profitability is like a puzzle. Each component, service or activity of the bank contributes to or diminishes its overall profitability. And, while we have control or some degree...
Hometown Touch
Main Street Focus Addressing local needs, Main Street banks still make a special difference It can be as simple as surprising barbershop customers with free haircuts or picking up the bill for restaurant patrons. It can be a risk-taking partnership that...
Hounding That File
Easier access to documentation software to follow key bank files every step of the way Loan documentation tracking and follow-up is a critical and vital need for all banks. Banks cannot afford to miss an expired, missing or improperly filed document...
Marketing Success Snapshot
Bank Marketing Profile Community bankers are using the ICBA turnkey advertising program, "Financial Power Right Here at Home." Here's a profile of a banker using the program Name: Linda Oeffling Title: Vice President Bank: First National Bank of Marengo,...
Powerful Data
Protecting crucial data finds new technology and routines Through an exclusive agreement signed last year by the ICBA and Equifax, all ICBA members receive special pricing on the highly sophisticated Equifax credit reporting services typically used only...
Protection for E-Commerce
New Insurance products protect banks against the newest technology risks Financial institutions today are faced with a number of e-commerce exposures such as computer theft, as well as libel and slander. The St. Paul has taken a proactive approach to...
Revolutionary Relationships
Call it the '82 aggregation revolution. Mark it down as ICBA's founding service program. Remember it as the idea that began ICBA's ongoing effort to provide essential products and services for community banks. The ICBA-Visa Travelers Cheque program took...
Specialty Mortgage
Six products to round out your bank's home loan offerings During the warm summer months, the season of home buying and building across the country kicks into high gear. According to "The Beige Book," for the 2001 first quarter figures released in May...
Tilling Fertile Fields
Web-based student loan program reaps profits in educational loans When ICBA and the Student Loan Finance Corp. of Aberdeen, S.D., joined forces to launch BrainScratch.com to community banks, the time was right for community banks to break new ground...
Trading on Success
With sure steps, ICBA Securities helps bankers understand the market and their place in it It's been a great morning for C.J. Pickering, president and CEO of ICBA Cecurities in Memphis, Tenn. He's just learned that hte ICBA subsidiary, which sells imvestment...
United We Stand
An increasingly diverse group, community banks share common goals, challenges and successes under the ICBA umbrella nited Community Bank in Perham, Minn., is a typical ICBA member. With $117 million in assets, the bank is headquartered in a rural town...
Winning Together
Sharing a long history, ICBA's services aid members' bottom lines Seven decades ago, 28 community bankers from Minnesota joined together to create ICBA as a forum to address their common issues. Today, more than 5,000 community bankers unite through...