OFFICIAL PUBLICATION OF THE INDIANA BANKERS ASSOCIATION
ICBA CRA Solutions / Memphis, TN CRA Partners – a Preferred Service Provider of the Indiana Bankers Association and a division of the Independent Community Bankers of America operated by the Senior Housing Crime Prevention Foundation in Memphis, Tennessee – has rebranded to ICBA CRA Solutions in conjunction with ICBA’s overarching rebrand that has been […]
Associate Members’ Corner Read More »
As artificial intelligence, big data and automation expand their reach across finance, many financial institutions and their advisors continue grappling with how to integrate emerging technologies into their service offerings, not only within investment services but throughout the financial institution. With new innovations arriving rapidly, some still view technology as more of a distraction than an advantage. However, by embracing it strategically, institutions and their advisors can utilize technology to deliver greater value in 2024 and strengthen client relationships for the long term.
How Financial Advisors Should Be Thinking About Tech in 2024 Read More »
Community banks, often at the heart of local economies, find themselves at a crucial juncture where their approach to risk management, particularly in cybersecurity and operational resilience, could determine their future success or vulnerability.
How Examiners are Assessing Your Risk Strategies in 2024 Read More »
With the recent changes to Indiana’s flood maps, it is important to have the peace of mind that your real estate loans have the appropriate flood insurance coverage. Using a flood determination provider that stays on top of all map changes is imperative, providing you with the confidence that your collateral is properly insured. There is no room for errors when it comes to flood determinations and insurance.
Things Change: Use a Company That Keeps Up With That Change Read More »
Indiana’s agricultural heritage is deeply rooted, with farms and agribusinesses playing a pivotal role in the state’s economy. The state ranks high in the production of corn, soybeans, hogs and poultry, making it a key player in the nation’s agricultural landscape. Additionally, agribusinesses such as food processing, equipment manufacturing, and agricultural research and education further bolster the industry’s impact.
The Power of Integrated Marketing Campaigns in Serving Industry Sectors Read More »
Well . . . at least not in real time.
I recently heard a senior lending officer proclaim, with obvious relief, “Looks like we’ve dodged the recession bullet. We’re refocusing on loan growth opportunities.” The Fed-orchestrated “soft landing” is, of course, what our industry desires, but history clearly warns that it can take years before
Hold On! Bank Loan Quality Doesn’t Align with Wall Street Metrics Read More »
The financial crisis of 2008 brought a slew of new banking regulations and guidance – more specifically, guidance related to best practices for liquidity risk management. As loan-related asset quality problems occurred during that crisis, many institutions were left in a less-than-desirable liquidity position. As a result, many of their off-balance sheet or contingent liquidity sources became impaired or unavailable as asset quality problems were severe enough to negatively impact their earnings and capital positions. The lack of access to readily available secondary liquidity sources left many banks scrambling for balance sheet funding. The need for a comprehensive, well-developed contingency funding plan (CFP) that sufficiently addresses potential liquidity events and emergency cash flow requirements soon became a regulatory requirement.
It’s Time to Enhance Your Contingency Funding Plan Read More »
He served as a World War II pilot in the U.S. Army Air Corps when he was 18 years old, flying multiple missions and training new pilots as the war waged on for more years than anyone thought. He returned stateside after the war ended, married his sweetheart, started a family and started a heating and air conditioning company with job sites throughout the Midwest.
In 2010, the Durbin amendment was dropped into Dodd-Frank in the dead of night. Without so much as a hearing, the government imposed restrictions and price controls on debit cards and connected checking accounts. Bankers warned that mega-retailers would not pass on any savings at the checkout, and that bank customers would ultimately foot the bill in lost rewards. Both predictions have proven true, but for reasons clear only to the Federal Reserve, the government is poised to double down on this misguided policy with another 30% cut in debit interchange followed by an automatic biannual adjustment. This “one-way ratchet” will continue to hack away at debit programs every two years based on data and a formula of the Fed’s choosing, without public comment.
The Real Losers in the Reg II Fight Read More »
When it comes to community bank marketing, it’s about the person, not the product. As relationship bankers, the client connection drives community bank decisions around solutions, promotions and outreach. Through every communication, community banks seek to deepen their customer ties, not merely sell them on the next big thing.
Putting the Person in Personalized Marketing Read More »
8425 Woodfield Crossing Blvd.
Suite 155E
Indianapolis, IN 46240-7321
Phone: 317.387.9380
1345 East 3900 South #206
Millcreek, UT 84124
Phone: 801.676.9722
Fax: 801.742.5806
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