Independent Banker

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

Articles from Vol. 59, No. 4, April

15 Minutes with ... SAMMIE DIXON
SAMMIE DIXONCEO, PRIME MERIDIAN BANKTALLAHASSEE, FLA.Q. How does your bank's mission statement-"to serve, deliver and protect"-define the way you lead your $44 million-asset community bank?A. We start with our five core values-passion, grace, integrity,...
Bank Notes
To Our Readers:On Feb. 27, the FDIC board of directors asked for public comments on its proposed special 20-basis-point deposit insurance assessment. ICBA and thousands of its members responded with fervent opposition. In addition, ICBA outlined several...
Big Ticket Financing
ICBA has joined with Tennessee Commerce Bank to help member community babanks invest in small business loan-lease equipment pacackages.ICBA Financial Services has formed a new relationship to help ICBA members diversify their balance sheets while adding...
Core Deposits
How to Build Value through Deposits in Turbulent TimesRecently a community bank CEO from a publicly traded member institution visited ICBA Securities' Chicago office to spend time with our research staff and update our institutional sales desk. Like...
From Green to Gold
A cost-benefit analysis of green buildingNo one disputes the benefits of sustainable building design. Green buildings use less water and energy, produce fewer emissions and have lower operations and maintenance costs. They use fewer natural resources...
Green BANKING: The Wave of the Present
Last February, the newest branch of Rockville Bank, in Manchester, Conn., had a grand opening, and it was a special one: The Manchester branch was the first of the $1.5 billion-asset bank's 21 branches to "go green."What is "Green Banking"? Rockville...
Helping Hands
Community service is the cornerstone of an independent community bank. Because community banks prosper when their customers and communities thrive and grow, it's not surprising that every ICBA memberbanker has a story to share.Community bankers know...
How Did MidSouth Reassure Them?
CUSTOMERS AND PROSPECTIVE CUSTOMERS OF MIDSOUTH BANK WORRIED THAT ITS LENDING CAPABILITIES MIGHT HAVE BEEN WEAKENED BY THE FINANCIAL MARKETS CRISIS.THE BANK USED TOWN HALL-STYLE MEETINGS TO SPREAD THE WORD THAT IT IS WELL-CAPITALIZED AND READY TO LENDMidSouth...
ICBA Leaders Join President Obama to Announce Small Business Lending Initiatives at White House Press Conference
ICBA IN ACTIONICBA Immediate Past Chairman Cindy Blankenship joined President Barack Obama and Treasury Secretary Timothy Geithner to participate in a White House press conference to introduce up to $15 billion in new small business lending initiatives...
Joining Together: ICBA Members Fight for FDIC Assessment Alternatives
ICBA IN ACTIONHighlighting the unfairness of significantly penalizing community banks for the reckless practices of giant Wall Street institutions, ICBA and thousands of its members mobilized to oppose the FDIC's approval in late February of a 20-basis-point...
Let's Play Ball
Cover the bases in the portfolio investment gameKeep your eye on the ball. Have you ever had a coach offer that advice? I have for years, in a multitude of sports, and still can't quite pull it off.As the new baseball season is upon us, I thought it...
Machines to Manpower
FROM HARDWARE MACHINES TO SOFTWARE CODE TO CONSULTING EXPERTISE, COMMUNITY BANKS USE A WIDE RANGE OF RESOURCES TO SERVE THEIR CUSTOMERS AND MANAGE THEIR OPERATIONS. THIS MONTH'S TOOL SHOP FEATURES A RANGE OF NEW PRODUCTS AND SERVICES AND EXPERTISE AVAILABLE...
Mark-to-Market This Battle Isn't Over
THE SEC DISAPPOINTS COMMUNITY BANKERS WITH ITS "FAIR VALUE" ACCOUNTING REPORTAmid a string of ICBA victories related to the federal government's economic recovery programs, community banks faced disappointment in December when a Securities and Exchange...
Our LEADERSHIP TEAM
ICBA's new officers and Executive Committee members are ready to serve the nation's community banksICBA'S 2009-2010 OFFICERS (FROM LEFT): VICE CHAIRMAN SALVATORE MARRANCA, IMMEDIATE PAST CYNTHIA L. BLANKENSHIP, TREASURER LARRY WINUM, PRESIDENT AND CEO...
Policy Earthquakes Can Happen at Any Moment
The FDIC announcement on Friday, Feb. 27, of an emergency 20-cent "special assessment" on top of higher second-quarter deposit insurance premiums registered over 9 on the Richter scale and shook the very foundations of the community banking industry....
Recession or Not Stay in the Game
Mortgage Originator Licensing Law Entails State ActionIn Chinese, the symbol for "crisis" is a combination of two characters, one meaning "opportunity" and the other "danger." To be a long-term player in today's financial services industry will require...
Rise to the Challenge
As I take over the reins as ICBA chairman, I'm prouder than ever to call myself a community banker. These extraordinarily challenging times have made me realize all over again that we community bankers serve a crucial role within our communities that...
Simply Sustainable
Green Building Practices You Can Bank Ongreen building-it's a frequently heard phrase nowadays, but it means different things to different people. What can it mean to your community bank?Green building is a movement to make interior and exterior design...
Targeting IT Spending
Experts predict that industry technology investments this year might aim at specific goalsWith many of the country's largest banks focusing more on managing their financial market risks and problems than on improving their technology systems, 2009 may...
What's in Store for Fannie and Freddie?
Predicting the future of the two government-sponsored enterprises is challenging, but of crucial importanceWhen the federal government placed Fannie Mae and Freddie Mac into conservatorship last September, the action was meant to be temporary. The Obama...
Working Hard All Year
MORGAN FEDERAL BANK PLANS A SERIES OF ACTIVITIES TO CELEBRATE COMMUNITY BANKING MONTH AND REINFORCE OUR INDUSTRY'S POSITIVE MESSAGE.February makes lovers recall valentines, and March makes people think about green shamrocks. Vassi Bieber wants April...