MARCHőł CURRENCIES Meet Sophia the robot at this year's ICBA LIVE Q The ICBA ThinkTECH Accelerator finalists Q Good Reads: A how-tothrive guide Q The Ledger: What's trending in retail banking Q Tennessee's community banking landscape Q History Lesson: Dirty dollars Q Banks to convene in D.C. for the ICBA Capital Summit 14 86 CONNECTIONS 80 Trailblazer Natalie Bartholomew showcases women in community banking through her blog, The Girl Banker 86 Community Spirit Northeast Bank and a nonprofit have worked together for decades and continue to see benefits today PORTFOLIO 20 Bringing home the bank What should banks consider when letting employees work from home? 24 Innovation Station Kevin Tweddle delves into the details of ICBA's ThinkTECH Network IN EVERY ISSUE 5 Flourish 7 From the Top 92 Out of Office 26 What can we learn from Sears' failure? Interest rate swaps are one way to align profit and consumer needs 28 Q&A: Comptroller Joseph M. Otting The OCC head shares his views on bank consolidations and more 30 Leading by Example ICBA's Chris Lorence says banks need mentors across generations 32 Making the most of small-business lending Community bankers share how they've set themselves apart 38 Putting a voice to digital banking Banks are beginning to experiment with hands-free banking technology 42 Coordinating content Content calendars can streamline your bank's marketing messages 44 Portfolio Management ICBA's Jim Reber says 2009's ARRA could affect bond portfolios in 2019 Connect with ICBA 46 Let's define UDAAP How well do you know the ins and outs of the federal regulation? 48 Checks & Balances ICBA's James Kendrick and Alan Keller talk CECL and Subchapter S 92 2 Q ICBA Independent Banker Q March 2019 facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel 90 Call to Action The farm bill is a boon for community banks and comes after months of ICBA advocacy efforts 80http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/