Independent Banker

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

Articles from Vol. 62, No. 11, November

15 Minutes with ... LORI ADAMSKI
EXECUTIVE VICE PRESIDENT , COO OF T H E $622 MILLION -ASSET CONESTOGA BANK IN CHESTER SPRINGS ,P A .IB: Conestoga Bank has a successful mobile remote deposit capture program. Tell us about that.Adamski: It's called Conestoga Anywhere Deposit. It's available...
Community Activists
ICBA and your state community banking associations have made communicating with our elected representatives pretty easy. Maybe too easy.In the past, we used several methods of communication. One method was the telephone, another was a letter (handwritten...
Cyber Sentries
Through education and technology, community banks work to keep customers' accounts protected from cybercriminalsCommunity bankers know that the best bank security involves layering on protections to deter computer attacks on their customers' personal...
Fast to Market
Louisiana's Bank of Montgomery gets a jump on mobile banking-and strong customer adoptionBank of Montgomery, with $185 million in assets and five retail offices in Louisiana, is much smaller than many of its larger regional and national competitors....
For the Record
QUOTABLESBasel III's truth and consequencesPublic comments on the proposed Basel III capital standards were due Oct. 22, and many community bankers filed letters to explain the destructive consequences of applying highly complex rules originally intended...
From Riegle to Steagall to Dodd
LIKE POST-SEASON BASEBALL, THE FINANCIAL SERVICES INDUSTRY IN THE 1990S WAS DEFINED BY TRIUMPHS, HEARTACHE AND PLENTY OF DRAMAThe '90s were a big decade for tumbling walls for the financial services industry. The Riegle-Neil Interstate Banking and Branching...
Going Totally Paperless
Minnesota's Platinum Bank adopts an all-electronic operational strategy and ethosAt Platinum Bank, there's virtually no need for paper clips, staplers or hole punches. There are no rows upon rows of file cabinets either. That old-world office clutter...
Innovating on Inside Know-How
Internal technology expertise allows Live Oak Bank to follow new pathsJames "Chip" Mahan III knows how to use technology to build innovative banks. In 1994 he founded the first bank on the Internet, Security First Network Bank. He later spun out the...
Mastering Our Domain
ICBA is part of efforts to secure a special Internet domain for the financial services industryMicrosoftCorp. cofounder Bill Gates issued the banking industry a wake-up call in 1994 when he stated that banks were "dinosaurs" and unable to operate in...
May All the Chips Fall
It's well understood and universally agreed that everyone inside and outside Washington wants to vanquish too-big-to-fail forever. No one wants to see any more taxpayer bailouts for megabanks or risk another financial system meltdown. Even a few former...
Mortgage Medley
Bundle of reforms mean active duty for industry watchersWith the year winding down, ICBA has been working at full capacity on our industry's top issues, such as exempting community banks from Basel III capital standards and extending FDIC coverage of...
Paper or Pixels?
Selling retail and commercial customers on the benefits of e-statementsAccording to comScore's 2010 "State of Online Banking" report, 58 percent of respondents were enrolled in some sort of paperless statements. This might come as a surprise to some...
Project Master
Tech whiz Mark Holley harnesses human insights for successful IT projectsIt's not enough just to know technology or how to install it. For an IT project to be successful, a community bank needs a leader who understands the bank's culture and has the...
Starting a Youth Movement
The GenNext Board helps Ohio Valley Bank invest in the futureWhen Ohio Valley Bank wanted to know if its planned website was any good, it didn't turn to an outside marketing firm. Instead, it asked its own Gen- Next Board to take a look.The $800 million-asset...
Success in the Cloud
California's Bay Commercial Bank adopts cloud computing as a cost-saving wave of the futureICBA's 2012 Community Bank Technology Survey found that fewer than 5 percent of community banks outsource computing in a cloud processing environment. The survey...
That Was Then
Why looking back a few years can be insightfulI was careful to not title this column "Those Were the Days." The All in the Family theme song from the 1970s might take some readers back another 40 years to the era of Herbert Hoover and LaSalle automobiles....
The Image Boom
Social media professor WilliamWard of Syracuse University has tracked the evolution of electronic communications. First, blog posts arose as the earliest forms of social media communication. Later, blogs shortened to Facebook updates and Tumblr posts,...
The Next Step in Mobile
Preparing for the impending major shiftin mobile-from basic banking to mobile payments on the goOne thing that can get lost in the headlines when it comes to the recent alliance between mobile banking and mobile payments is the force driving it all forward:...
Tracking Top Tech TRENDS
Along with a jump in the number of community banks offering mobile services, ICBA's 2012 Community Bank Technology Survey reveals industry trends in IT innovation, planning, spending and moreBy Nicole Leigh Swann 2012 ICBA Community Bank Technology Survey...
Un Banco De Comunidad Especial
San Diego's Vibra Bank offers a special cultural welcome for Mexican-American small-business ownersYou might say that Vibra Bank puts the "comunidad" in community bank.The bank, founded in July 2008, is located in Chula Vista, Calif., south of San Diego...
Upgrading Automation
To streamline workflows and respond to new regulations, two community banks replace their mortgage-loan origination systemsSome community banks are seeking more powerful mortgage lending automation to improve efficiencies, better handle regulatory compliance...