General articles

Defense! Defense!

Defense! Defense!

Portfolio investing with an eye on future interest rates By Jim Reber At the recently concluded National Basketball Association playoffs, home crowds could be heard chanting the familiar “Dee-fense! Dee-fense!” exhorting their heroes to throttle the opponent’s offense. Community bank portfolio managers can also employ this strategy, without inhibiting their ability to score. The technique

Driven to Distraction

Diversionary infections reflect a new devious style of cyberattack tactics By Tam Harbert Financial cyberattacks have been getting a lot of press lately. Starting last fall, a wave of distributed denial of service (DDOS) attacks hit several large American banks, crashing their servers and leaving online customers stranded. Many of these attacks were carried out

Since You Asked …

A compendium of recent portfolio-investment questions from community bankers By Jim Reber It pleases me greatly that so many of you have participated in our multifaceted education efforts. ICBA has built a solid reputation for delivering training that responds to community bankers’ needs, and the ICBA education department has seen fit to ask us to

Bottoms Up

Manage your community bank’s deposits for better margins By Jim Reber In the last year, this column has covered several investment topics in as much detail as they deserved, and possibly more so. We’ve talked about mortgage-backed security prepayments, callable agencies, municipals, SBA’s, interest rate risk and premium risk. Generally, I’ve recycled themes based on

Keeping Tabs on Data

Step No. 1 in securing data: know where it is By Tam Harbert It’s 10 p.m. Do you know where your data is? That’s a question many community banks may need help answering. Most banks conduct an IT audit on a regular basis to make sure their systems are secure. But a key to a

Wind the Clock

The Federal Reserve resets its criteria for altering monetary policy By Jim Reber The last two years may go down amongst Fed watchers as the period in which the calendar was introduced into policy making. As 2013 gets going, it still appears that the Federal Open Market Committee is finessing the words of its interest

Safe and Mobile Secure

As with any other digital gateway, the mobile channel requires fundamental data security measures By Phil Britt Data and account security concerns are the main reasons why more consumers haven’t adopted mobile banking services, various consumer surveys show. It’s still a largely unknown technology that has yet to stand the test of time against continued

Bang for the Buck

Risk/reward dynamics of portfolio investing have changed recently By Jim Reber “An ounce of prevention is worth a pound of cure.” “If it ain’t broke, don’t fix it.” “A basis point of yield is worth a basis point of risk.” At the risk of being trite, I would like to point out that the aforementioned

Hot Regulatory Issues for 2013

ICBA’s Regulatory Outlook for 2013 ICBA experts highlight action on five important regulatory issues to anticipate in 2013 – Overdraft Protection Requirements—by Elizabeth Eurgubian– Evolving Fair Lending Interpretations—by Lilly Thomas– Farm Credit Administration Hubris—by Mark Scanlan– Remittance Rule Adjustments—by L. Cary Whaley III – Structural Changes to Bank Secrecy Act—by Lilly Thomas

Launching on Facebook

Getting up and running with the most well rounded of all social media sites By Ann Chen In the social media world, Facebook is considered the big man on campus and an all-around workhorse communication tool. You can share links, post videos, ask questions, share news and create custom information on tabs through the site.

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