Archives for October 2012

The 2012 MIB State Convention Report

On July 13th and  14th, 2012, MIB members and associate members gathered from all over the state and nation at the Hilton Garden Inn in Kalispell to celebrate Montana’s community banks.   On this 45th anniversary of the Montana Independent Bankers Association, attendance was at a five-year high.  Twenty-one associate member companies set up booths in our Read the Rest…

Fine Points: May All The Chips Fall

By Camden Fine, President and CEO of ICBA 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 anymore taxpayer bailouts for megabanks, or risk another financial system meltdown. Even a few former megabank chief executives echo ICBA in urging federal policymakers to Read the Rest…

From The Top – November

Help I Need My Ex Back By Jeff Gerhart, Chairman of ICBA, Community Banker, Activist 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 or typed). We Read the Rest…

An Immodest Proposal: How AOCI Affects Your Capital

how to get back a guy after a fight By Jim Reber   There’s been lots of hand-wringing going on by community bankers over the set of proposals known collectively as Basel III.  At current, the language contains several items of concern to the vast majority of banks in the country.  This includes bewildering matrices of Read the Rest…

Fine Points: Tipping Point

By Camden Fine 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 of industry assets would not only lead to dangerous systemic Read the Rest…

From the Top: A day in the life

By Jeff Gerhart, Chairman of ICBA As I pen this month’s column, much of the country is experiencing drought conditions in one form or another. As an agricultural banker in Nebraska, my community bank is smack dab in the middle of it. You know it by walking into our lobby, where a tally sheet notes the local rainfall. Before the corn and soybeans were planted, we had plenty of moisture. However, between January and August, we only Read the Rest…

The Shrinking GSE Debt Market

Agencies to issue less debt in the future By Jim Reber Pity poor Fannie Mae and Freddie Mac.  You remember them—they have purchased, guaranteed, insured and securitized over half of all residential mortgages over the last forty years.  After hitting a rough patch in the recent housing crisis, they were negotiated into public hands in Read the Rest…

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