28 2023 MIB EXECUTIVE OFFICERS Tim Schreiber, President Farmers State Bank tims@farmersebank.com Loren Brown, Vice President Ascent Bank, Helena lbrown@ascentbank.com Amber Brown, Secretary Peoples Bank of Deer Lodge abrown@pbdl.net Clinton Gerst, Treasurer Bank of Bozeman cgerst@bankofbozeman.com Andrew West, Immediate Past President Eagle Bank, Polson awest@eaglebankmt.com Kenny Martin, ICBA State Director First Montana Bank, Helena kmartin@firstmontanabank.com 2023 MIB BOARD OF DIRECTORS Tom Christnacht First Security Bank of Deer Lodge Laura Clark Opportunity Bank, Helena Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Brice Kluth First State Bank of Shelby Scott Mizner American Bank, Bozeman Mike Moore Stockmens Bank, Cascade Joel Rosenberg Three Rivers Bank of Montana, Kalispell Phil Willett Pioneer Federal Savings and Loan, Dillon ASSOCIATE BOARD MEMBER Ryan Fritz Citizens Alliance Bank rfritz@citizensalliancebank.com MIB STAFF Jim Brown, Executive Director Montana Independent Bankers jbrown@mibonline.org ©2023 Montana Independent Bankers | The newsLINK Group, LLC. All rights reserved. Community Banker is published four times each year by The newsLINK Group, LLC for the Montana Independent Bankers and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Montana Independent Bankers, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Montana Independent Bankers. While Community Banker encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at 855.747.4003. Montana Independent Bankers 1812 11th Ave. P.O. Box 4893 Helena, MT 59604-4893 406.449.7444 jbrown@mibonline.org mibonline.org 20 16 6 President’s Message Putting a Spotlight on Community Banks By Tim Schreiber, President 8 Executive Director’s Message You and Your Bank Are Valued By James E. Brown, Esq., Executive Director 10 From The Top By Derek Williams, Chairman, ICBA 11 Save the Date 2024 Convention and Trade Show 12 Flourish By Rebeca Romero Rainey, President and CEO, ICBA 13 MIB Upcoming Events 14 Featured Associate Member EmpoweringYour Institution: HowYoung & Associates Enhances Banking Brilliance 16 Remember the Munis Don’t Go To Sleep on a Profitable Bond Sector By Jim Reber, President and CEO, ICBA Securities 18 Home Equity Line of Credit Scams By Travelers 20 Quiet Quitting in the Workplace By UBB 22 SecuringYour Data Advice From an Award-Winning Cybersecurity Team By Keith Gruebele, BHG Bank Network 25 Compliance Q&A Fall 2023 By Bill Showalter, Senior Consultant, Young & Associates, Inc. 28 University of Montana Tailgate 29 Montana State University Tailgate 30 Innovation Station Put Innovative Thinking to Work in Risk Mitigation By Charles E. Potts, Executive Vice President and Chief Innovation Officer, ICBA 32 2023 MIB Membership Directory 33 MIB Associate Member Resource Guide 34 MIB Associate Member Banks 35 Bank Training Webinars Contents FALL 2023 In the previous issue of Community Banker, there was an error in the “Featured Associate Member: Citizens Alliance Bank” article. The last two paragraphs were incorrectly attributed to Kenny Martin. The article has been corrected online here: mib-community-banker.thenewslinkgroup.org. Community Banker 5
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