Independent Banker - December 2017 - 4

December 2017
contents departments
WWW.INDEPENDENTBANKER.ORG
ICBA HEADQUARTERS/EDITORIAL OFFICE
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Washington, DC 20036-5623
Email: magazine@icba.org
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No. 12
ICBA EXECUTIVE
COMMITTEE
CHAIRMAN
R. Scott Heitkamp
CHAIRMAN - ELECT
Timothy K. Zimmerman
VICE CHAIRMAN
Preston Kennedy
PRESIDENT AND CEO
Camden R. Fine
TREASURER
Derek B. Williams
SECRETARY
Christopher Jordan
IMMEDIATE PAS T
CHAIRMAN
Rebeca Romero Rainey
PAS T CHAIRMAN
Jack A. Hartings
PAS T CHAIRMAN
John Buhrmaster
PAS T CHAIRMAN
AND CONSOLIDATED
HOLDINGS CHAIRMAN
William A. Loving Jr.
CORPORATE
SECRETARY
Terry Jorde
MAGAZINE
STAFF
GROUP EXECUTIVE
VICE PRESIDENT -
MEMBER ENGAGEMENT
AND STRATEGY
Chris Lorence
EXECUTIVE EDITOR
Molly Bennett
magazine@icba.org
DEPUTY EDITOR
Andrea Lahouze
ART DIRECTOR
Krista Trempe
PROJECT MANAGER
Callie Knaeble
PRODUCTION
MANAGER
Tim Dallum
ASSOCIATE MANAGING
EDITOR
Sara Schlueter
DAT A COORDINATOR
LeeAnn Sunderman
SUBSCRIPTIONS
COORDINATOR
Denise Olmscheid
CMS COORDINATOR
J.J. Jaworski
DIGITAL PREPRESS
Steve Mathewson,
Bill Sympson
ADVERTISING
VICE PRESIDENT ,
NATIONAL SALES &
MARKETING
Rachael Solomon
ICBA Independent
Banker, Digital Media &
Sponsorships
(612) 336-9284 direct
rachael@icbabanks.org
__________
Periodicals postage paid at Sauk Centre, MN, and additional
mailing offices. ICBA Independent Banker (ISSN-00193674)
is published monthly by Independent Community
Bankers of America, 518 Lincoln Road, Sauk Centre, MN
56378-1653. Member subscriptions, $40 per year. Additional
member subscriptions, $20. All other subscriptions, $75.
POSTMASTER: Address changes to ICBA Independent
Banker, P.O. Box 267, Sauk Centre, MN 56378. Copyright 2017
ICBA. All rights reserved.
CUSTOM PUBLISHING
MSP-C
220 South Sixth St.,
Suite 500
Minneapolis, MN 55402
COVER PHOTO
Sara Stathas
Lender Life
53 Another look at lending
Community banks are expanding
loans and exploring new
opportunities to respond to the
needs of a growing economy
56 Battling a mortgage
lending dip
Increased lender competition
and tepid demand are putting
pressure on mortgage lending at
community banks
58 Small-Business Smarts
Bill Atkinson shares tips for making
your bank stand out to millennials
56
Grassroots
_________
23 Washington Watch
As we race to the end of the year,
we look at the legislation that is
helping the community banking
cause-and how ICBA and member
banks have helped it along the way
62 The year in compliance
The regulatory challenges of 2017
were many and varied. Here's how
community bankers addressed and
conquered their compliance issues
Nuts & Bolts
65 Chatting up the customers
Chatbot technology has arrived in
a number of large banks. Should
community banks follow suit?
68 Four ways to safeguard
your data
Data breaches are the new normal,
so community banks should
take these practical first steps
to defend their data and that of
their customers
70 Portfolio Management
A guide to year-end
portfolio management
By Jim Reber
The Back Page
72 15 Minutes With...
Sam Jarvis, outside
director of First
National Bank,
Cortez, in
Cortez, Colo.
72
23
59 In case of emergency
Proactive bankers and industry
experts share their best advice for
keeping your physical branches-
and customers' data and
resources-safe and accessible
should a natural disaster strike
(202) 659-8111
(800) 422-8439
Risks & Rules
VOL. 67
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Independent Banker - December 2017

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