Independent Banker - February 2019 - 4

Almost everything that we worry about
we have a very limited control over. "
-John O'Leary, ICBA LIVE 2019 general session speaker
Read more on page 54
ICBA Headquarters/Editorial Off ice
1615 L St. NW, Suite 900, Washington, DC 20036-5623
magazine@icba.org
866-THE-ICBA (866-843-4222)
ICBA Executive Committee
Chairman
Tim Zimmerman
Chairman-elect
Preston Kennedy
Vice Chairman
Noah Wilcox
President and CEO
Rebeca Romero Rainey
Treasurer
Kathy Underwood
Magazine Staff
Group Executive Vice
President-Member
Engagement and Strategy
Chris Lorence
Art Director
Krista Trempe
Production Manager
Tim Dallum
Project Manager
Annie Rowland
Digital Prepress
Steve Mathewson,
Bill Sympson
Advertising
Publisher
Matt Kusilek
(612) 730-5940
matt@icbabanks.org
Custom Publishing
MSP-C
200 S. 6th St., Suite 500, Minneapolis, MN 55402
msp-c.com * (612) 339-7571
2018 Agency of the Year, Content Marketing Institute
Periodicals postage paid at Sauk Centre, MN, and additional mailing
offi ces. ICBA Independent Banker (ISSN-0019-3674) 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 2019 ICBA. All rights reserved.
Executive Editor
Molly Bennett
magazine@icba.org
Deputy Editor
Eric Best
Associate Editor
Rebecca Lubecki
Data Coordinator
LeeAnn Sunderman
Subscriptions Coordinator
Denise Olmscheid
CMS Coordinator
Allison Cook
Secretary
Christopher Jordan
Immediate Past Chairman
Scott Heitkamp
Past Chairman
Jack A. Hartings
Past Chairman
William A. Loving Jr.
Corporate Secretary
Terry Jorde
http://www.msp-c.com

Independent Banker - February 2019

Table of Contents for the Digital Edition of Independent Banker - February 2019

Table of Contents
Independent Banker - February 2019 - Cover1
Independent Banker - February 2019 - Cover2
Independent Banker - February 2019 - Table of Contents
Independent Banker - February 2019 - 2
Independent Banker - February 2019 - 3
Independent Banker - February 2019 - 4
Independent Banker - February 2019 - 5
Independent Banker - February 2019 - 6
Independent Banker - February 2019 - 7
Independent Banker - February 2019 - 8
Independent Banker - February 2019 - 9
Independent Banker - February 2019 - 10
Independent Banker - February 2019 - 11
Independent Banker - February 2019 - 12
Independent Banker - February 2019 - 13
Independent Banker - February 2019 - 14
Independent Banker - February 2019 - 15
Independent Banker - February 2019 - 16
Independent Banker - February 2019 - 17
Independent Banker - February 2019 - 18
Independent Banker - February 2019 - 19
Independent Banker - February 2019 - 20
Independent Banker - February 2019 - 21
Independent Banker - February 2019 - 22
Independent Banker - February 2019 - 23
Independent Banker - February 2019 - 24
Independent Banker - February 2019 - 25
Independent Banker - February 2019 - 26
Independent Banker - February 2019 - 27
Independent Banker - February 2019 - 28
Independent Banker - February 2019 - 29
Independent Banker - February 2019 - 30
Independent Banker - February 2019 - 31
Independent Banker - February 2019 - 32
Independent Banker - February 2019 - 33
Independent Banker - February 2019 - 34
Independent Banker - February 2019 - 35
Independent Banker - February 2019 - 36
Independent Banker - February 2019 - 37
Independent Banker - February 2019 - 38
Independent Banker - February 2019 - 39
Independent Banker - February 2019 - 40
Independent Banker - February 2019 - 41
Independent Banker - February 2019 - 42
Independent Banker - February 2019 - 43
Independent Banker - February 2019 - 44
Independent Banker - February 2019 - 45
Independent Banker - February 2019 - 46
Independent Banker - February 2019 - 47
Independent Banker - February 2019 - 48
Independent Banker - February 2019 - 49
Independent Banker - February 2019 - 50
Independent Banker - February 2019 - 51
Independent Banker - February 2019 - 52
Independent Banker - February 2019 - 53
Independent Banker - February 2019 - 54
Independent Banker - February 2019 - 55
Independent Banker - February 2019 - 56
Independent Banker - February 2019 - 57
Independent Banker - February 2019 - 58
Independent Banker - February 2019 - 59
Independent Banker - February 2019 - 60
Independent Banker - February 2019 - 61
Independent Banker - February 2019 - 62
Independent Banker - February 2019 - 63
Independent Banker - February 2019 - 64
Independent Banker - February 2019 - 65
Independent Banker - February 2019 - 66
Independent Banker - February 2019 - 67
Independent Banker - February 2019 - 68
Independent Banker - February 2019 - 69
Independent Banker - February 2019 - 70
Independent Banker - February 2019 - 71
Independent Banker - February 2019 - 72
Independent Banker - February 2019 - 73
Independent Banker - February 2019 - 74
Independent Banker - February 2019 - 75
Independent Banker - February 2019 - 76
Independent Banker - February 2019 - 77
Independent Banker - February 2019 - 78
Independent Banker - February 2019 - 79
Independent Banker - February 2019 - 80
Independent Banker - February 2019 - 81
Independent Banker - February 2019 - 82
Independent Banker - February 2019 - 83
Independent Banker - February 2019 - 84
Independent Banker - February 2019 - Cover3
Independent Banker - February 2019 - Cover4
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com