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. 4, April

A Group Effort
ICBA and its state association partners gear up for Community Banking Month Like clockwork, Community Banking Month rolls around every April, and every year community banks use the industrywide celebration to increase their visibility, enhance good will,...
Assessing Different Viewpoints
Comments to Regulators Regulators argue simplified capital frameworks, exam fees and model bylaws Simplified Capital Framework Issue: Notice seeking preliminary views on a simplified capital framework for noncomplex banks, and outlining three options:...
CIO Alert
Tech Talk Community banks ponder the right in-house technology navigator In the 1800s, as early settlers founded the first towns along the Columbia River bordering Washington and Oregon, they found that the same river that held great promise also held...
Dealing with Disclosures
Agencies mandate consumer protection notices for insurance sales With spring in the air and tax season upon us, many people in the United States are peeking out from underneath the melting snow to prepare their tax forms. Meanwhile, community banks across...
Defining 'Broker/dealer'
When the SEC moves in, community bank securities activities may move out The Securities and Exchange Commission hopes to soon begin enforcing new definitions of "broker" and "dealer" found in the Gramm-- Leach-Bliley Act of 1999. It is a change with...
Fighting Back
Stemming the rising tide of identity theft dentity theft may seem like fodder for investigative TV shows-nefarious but remote from the practical business of running a community bank-until it hits home. That's when Daniel M. Tower, senior vice president...
Getting Bigger
Editor's Note: At a recent briefing in London, Federal Reserve Board Vice Chairman Roger W. Ferguson Jr. spoke about the long-term impact of financial sector consolidation. Below is an excerpt of his comments. Worldwide financial-sector consolidation...
Independent Resource
ICBA moves to help more bankers plot their future technology endeavors Where do most bankers obtain the information they need to make solid decisions about computer systems, software and other technology? While the ICBA has not done any formal surveys,...
Just Saying No
Main Street Focus Pennsylvania community bands together to stop bank merger Mike Kilmer sat on the back porch of his house, reading a newspaper. The story was straightforward, but Kilmer couldn't grasp its meaning. According to an account in his local...
Marketing for Mortgages
Lender Life ICBA Mortgage offers bankers entrance into the mortgage origination business At the ICBA National Convention and Techworld in Las Vegas last month, ICBA Mortgage unveiled a new program, EasyMortgage-a new way to offer mortgages. Under this...
New Mexico Banker Ready for His Close Up
David Stone has a deep love for the Wild West, a love born out of his family's sojourn to New Mexico following the civil war. "They had only the shirts on their backs and the horses they were riding, but they persevered and made the backbreaking journey...
New Officers, New Bylaws, New Era
ICBA leadership for 2001-2002 takes on 21 st century challenges While adopting substantial bylaw changes for their national trade association, ICBA members elected a new slate of leadership bankers for 2001-2002 during last month's 2001 National Convention...
Nobody's Fool
Bank Insurance More bankers are facing the facts and seriously weighing bank insurance sales New Year's festivities, until the late sixteenth-century, began on March 25, shortly after the first day of spring, and typically culminated with celebrations...
Paying Down Borrowings
Banks face a questionable response to slowing loan demand Now that industrywide loan demand appears to be easing and credit quality may be softening, especially in certain sectors, some community bankers are planning to pay down the borrowings they previously...
Tax Man Cometh
The business case for trimming personal, capital gains and estate taxes Small businesses confront enormous challenges in their day-to-day economic lives-- from competing against larger businesses to attracting quality employees. Perhaps the biggest obstacle...
The Great Outdoors
Marketing Matters Banks take to billboards to promote their products and services Through rain, sleet, snow, hail and heat waves, it still delivers. No, not you your postman. I'm referring to outdoor advertising. Yes, I mean those billboard signs you...
Why Bankruptcy Reform?
From the Top As I write my first From the Top column as ICBA chairman, I have just returned from ICBA's wonderfully successful annual convention in Las Vegas. What a great week it was and what a grand setting. It was good to catch up with so many old...