Operations & Management articles

A Trusted Resource

A Trusted Resource

A new ICBA alliance with Kanaly Trust provides an alternative for underperforming trust and wealth management programs By Carol Patton Maximizing return on investments has never been more important, for both companies and individuals. So here’s a question to consider: Is your community bank’s trust department or wealth management program delivering the same level of […]

Ebb and Ebb

Drop in bond prices has not been uniform By Jim Reber This month’s column happily begins with not one, but two trite admonitions: “Be careful what you wish for—you just might get it.” And “those who do not learn from history are doomed to repeat it.”

Back in the Market

Top commercial real estate loan producers By Katie Kuehner-Hebert The trick to being a successful commercial real estate lender is knowing which customers can weather storms, staying clear of the riskier speculative ventures and being flexible on pricing and terms—but not underwriting. That’s what several of last year’s most-productive commercial real estate lenders report about […]

Discarding the ‘Dirt’

Top commercial loan producers By Katie Kuehner-Hebert It takes particular expertise to have success in pure commercial lending. That’s because with such commercial lending—often referred to as commercial and industrial lending—a bank cannot rely on real estate collateral—or “dirt” as one lender quips—if the loan sours. While many community bank loan portfolios are heavily collateralized […]

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 […]

Agency on the Line

A new delivery model promises low-cost-investment entry into retail insurance By William Atkinson Retail insurance has long provided an opportunity for community banks to diversify their product lines and revenue streams, and generally become broader financial service providers in their communities. However, profitably developing an insurance agency has usually been a costly proposition.

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 […]

Branching Out

From branch lobbies to drive-up ATMs, physical retail facilities should be major platforms for branding, marketing and cross sales By Katie Kuehner-Hebert Even if some online and mobile banking customers never set foot in a branch, branches and other retail outlets can still serve as some of the most important marketing and branding billboards for […]

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