PORTFOLIO Deep dives into topics that matter to community banks " In our markets-Louisiana, Texas, West Virginia and Kentucky-demand is good and customers are proceeding with deals both on the consumer and commercial side. " -RANDY VICKNAIR, FIRST GUARANTY BANK Community bankers look back at lending in 2022 and where it's heading in 2023 on page 30 independentbanker.org Q 17http://www.independentbanker.org