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. 10, October

10 Twitter Minutes a Day
Like most community bankers, you're busy-I get it. But spending just 10 minutes a day on Twitter can dramatically expand your network and deepen existing relationships. Here's how to get started:Follow interesting people: Spend a couple minutes a day...
15 Minutes with ... HEIDI LABREE
REALESTATE LOAN OFFICER WITH THE $35 MILLION- ASSET EAGLE BANK IN POLSON ,MONT.IB: Eagle Bank is located on the Flathead Indian Reservation. How does that affect what you do?LaBree: We are like your typical community bank, except we are a tribal-owned...
A Calculated Decision
Using Terminal Risk Analysis to track every loan dollar and its projected terminal outcome to determine your community bank's allowance for loan and lease lossesIs an historical approach to calculating allowance for loan and lease losses holding your...
A Day in the Life
As I pen this month's column, much of the country is experiencing drought conditions in one form or another. As an agricultural bank in Nebraska, my community bank is smack dab in the middle of it. You know it by walking into our lobby, where a tally...
Ahead of the Compliance Curve
Five steps to rise above daily deadlines and achieve strategic compliance successNot so long ago, regulatory compliance was a straightforward process. That's not to say compliance was ever a cinch-certainly the finer points of rules and regulations had...
A Meaningful Life
JeffGusinow turns a cancer diagnosis into outgoing inspiration and leadership for his Oregon communityIt takes a truly selfless, strong-willed individual to turn a personal tragedy into a positive opportunity for his community. JeffGusinow is such an...
A More Perfect Union
He says she's always nitpicking over details, distracting him from his goals and costing him money. She says he's always leaving her out of important decisions and then blaming her when things go wrong.Can this relationship be saved?It's not a quarrelsome...
Becoming Socially Compliant
Follow these steps to establish a complete social media compliance programSocial media is becoming one of the most rapidly growing ways for community banks to communicate with existing and potential clients. Many community banks that either are involved...
Capital Trouble
How proposals to impose Basel III's international megabank capital standards on community banks would seriously damage and disrupt Main Street AmericaJohn Buhrmaster went into what he expected to be a routine exit meeting with an Office of the Comptroller...
Eminent Domain Tactic Is All Wet
Why seizing underwater mortgages would soak the housing recoveryMunicipalities considering the use of eminent domain to seize and restructure underwater mortgages have been slowly bubbling up across the country. The proposed legal tactic, which has surfaced...
Financing Business, Spurring Innovation
Nick Lehto's pioneering home-heating system gets a boost from his Connecticut community bankThroughout these recent uncertain economic times, community banks have continued to support America's entrepreneurial innovators and job creators. One example...
Forward Focused
Future-proofing your compliance for long-term success and growthGiven the new compliance rules and severe enforcement by regulators of those rules in recent years, it's no surprise that community banks have been plenty busy crossing and dotting their...
Group Minded
Forming a Go Local campaign committee helps Ohio's Liberty National Bank promote shopping and banking locallyWhen the folks of Liberty National Bank heard about ICBA's national Go LocalSM industry awareness campaign to promote local banking and shopping,...
Measuring Fee Income Success
Looking to boost your revenue? Find noninterest fee income opportunities, measure performance, target the most profitable options and repeat.Every morning, with a cup of coffee in hand, Ken Hale, chief executive of Bank of Montgomery in Montgomery, La.,...
New Rules, Fewer Choices
Basel III capital proposals limit community banks' investment optionsIt would be my preference to discuss a new investment product or a timely strategy in this month's column, because such pieces hopefully enable ICBA members to create a more profitable...
Ratcheting Up Reporting
Targeted, detailed loan reporting proliferates to meet competitive, profitability and risk management demandsLoan performance and risk reporting are increasing in quality, quantity and granularity, community bankers are reporting. This trend is unfolding...
RDC Revisited
Two de novo banks hone remote deposit capture, making the most of promotions and pricingFinancial research advisory firm Celent estimates that 75 percent of U.S. banks offer one or more commercial remote deposit capture services. But does the supply...
Rules of Enragement
Six practices that will help ensure your community bank's complaint process passes the regulatory test By Apryl MotleyFifty-five thousand and counting: That's the number of complaints the Consumer Financial Protection Bureau had received as of June 30....
Securing Cards
Four steps to win the war on credit and debit card fraudWhen a fraudulent transaction involving a credit or debit card can be detected and deflected before it's completed, banks avoid the expense and timeconsuming procedure of chargeback processing and...
Tipping Point
Fighting excessive regulatory burden on community banks is and always has been a top priority for ICBA and a vital part of its mission. Since the association's founding nearly 85 years ago, ICBA and its members have long known that financial overconcentration...