DECEMBERőî CURRENCIES Large community banks come together for ICBA event Q A sneak peek of ICBA Community Banking LIVE in Nashville, Tenn. Q Adirondack Trust Co. takes hikes for charity Q History Lesson: Finance in fi lms Q Good Reads: A look at the racial wealth gap Q The Ledger: Is cash still king? Q Utah's community banking industry landscape CONNECTIONS 68 Trailblazer LaVonne Nicolai and her husband run their community bank to benefit everyone in their Minnesota town 72 PORTFOLIO 18 Just how momentous a year was it? Changes to compliance regulations were at the forefront this year 11 22 Get the board on board Onboarding programs can help board members get up to speed IN EVERY ISSUE 5 Flourish 7 From the Top 76 Out of Offi ce 24 Leading by Example ICBA's Chris Lorence says learning how to recover from a setback is a vital skill for leaders 26 Mortgage lending in a seller's market How can community banks take advantage of the booming real estate market? 28 Portfolio Management Here's how community banks can turn a profit from a bond swap 32 Dirty laundry How are community banks evolving to respond to cybercrime concerns? 34 Innovation Station ICBA's Kevin Tweddle reflects on the innovations he predicted for 2018 36 Let your customers be your sales force Using customer reviews can be a powerful marketing tool for banks 38 Checks & Balances ICBA's Karen Thomas says 2018 was a banner year for community banks 36 76 2 Q ICBA Independent Banker Q December 2018 Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel 72 Community Spirit From its Kansas community to its own staff , one bank is spreading financial literacy any chance it can 74 Member Benefits Undergoing a core conversion can be extremely diff icult. Luckily, ICBA has a guide for that 68http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/