Independent Banker

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

Articles from Vol. 61, No. 1, January

Bring a Notebook
I've spent the past year listening to your concerns about the future of your banks and of community banking in general. I get it. I too have many questions about our banks' many challenges and how our industry will look in the next five years.Fortunately,...
Data in a Dash
Dashboards integrated within business intelligence software give community bankers facts and figures at their fingertipsThe demand for data keeps growing-as does the necessity for getting such information, putting it in a standard format and distributing...
Driven to Differentiate
By developing marketing that taps into positive public awareness of community banks, ICBA members appeal to customers by setting themselves apart from the Wall Street crowdThe State Bank of Speer in Illinois developed advertisements promoting its financial...
FILLING IN the BLANKS
HOW WILL THE FINANCIAL REGULATION PUZZLE END UP? ICBA EXPERTS OFFER SOME IDEASFollowing passage of the historic Dodd-Frank Wall Street Reform and Consumer Protection Act in July, the federal regulatory agencies lost no time in getting the law's rule-writing...
Financing Small-Business Exporters
New programs help community banks help companies and local economies growIn his 2010 State of the Union address, President Obama announced a goal of doubling U.S. exports in the next five years. This ambitious goal, he noted, would support 2 million...
ICBA Opposes Proposed Interchange Price Fixing
WALL STREET REFORMCalling on community bankers to weigh in on the issue, ICBA said the Federal Reserve Board's proposal-released last month for public comment-to implement debit interchange price-fixing and routing requirements enacted under the Wall...
Overkill on Overdrafts
ICBA weighs in on new FDIC guidance on overdraftsIn early December, ICBA expressed its strong opposition to FDIC final guidance on overdraft programs released the day before Thanksgiving. In a letter to FDIC Chairman Sheila Bair, ICBA President and CEO...
The 2011 Outlook
After another year of change, the world of payments faces ongoing questions that only time will resolveJanuary is a time for reflecting on the previous year's developments and predicting how these developments will shape the new year and beyond. We've...
The Fraud Antidote
Technology can inoculate your bank against rising debit fraudFraud has long been a dominant topic in the financial industry. From Russian counterfeiters to Georgian identity thieves, the banking industry has been in a grueling battle with fraudsters...
Thinking Big in a Small Town
YOU'VE GOT TO GET UP EARLY TO BEAT ED HENNESSEY AT MAKING DEALS IN MAINECan one man grow a community bank by himself? Ed Hennessey would be the first to say no, but his drive may be the biggest factor in the success of Machias Savings Bank.It would be...
Welcome, 2011
So long, 2010. Welcome, 2011. Let's hope with the upcoming year comes a rejuvenating prosperity for everyone on Main Street America. ICBA looks forward to a fresh start with the 112th Congress and the regulatory agencies. With so many issues to deal...
What Bankers Think
Cautiously optimistic about the future, community bankers project a slow but steady economic recovery that presents new challenges and opportunities"The reports of my demise are greatly exaggerated." Attributed to Mark Twain after he read his own obituary...
Whither Fannie and Freddie?
Analysis of the housing GSEs' staying powerThe financial viability of Freddie Mac and Fannie Mae is of vital importance to the community banking industry. There is no debating this point.There are several reasons for this, not the least of which is that...
With Interest: Tool Shop
Rise of RDCConsumer remote deposit capture (RDC). No-envelope check- and cash- depositing ATMs. Mobile check deposit and bill pay apps. Imaged RDC technology continues to seek new roles and inroads with consumers and bank operations. One-quarter of the...
Your Next Move
EXPERTS DISCUSS THE FDIC'S OVERDRAFT GUIDANCE AND CAPITAL RAISINGCommunity banks are facing a wide variety of regulation and compliance questions on agency actions, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection...