Pub. 3 2015 Issue 1

3 Spring 2015 The Community Banker 2014-2015 EXECUTIVE OFFICERS 2014-2015 BOARD OF DIRECTORS Montana Independent Bankers 30 South Ewing Street Suite 100 P.O. Box 4893 Helena, MT 59604-4893 (406) 449-7444 jbrown@mibonline.org lwelker@mibonline.org www.mibonline.org © 2015 Montana Independent Bankers | e newsLINK Group, LLC. All rights reserved. e Community Banker is published four times each year by e newsLINK Group, LLC for the Montana Independent Bankers and is the o cial publication for this association. e information contained in this publication is intended to provide general information for review and consideration. e contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assis- tance, it is strongly recommended that you contact an attorney as to your speci c circumstances. e 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. e Community Banker is a collective work and as such some articles are submitted by authors that are independent of the Montana Independent Bankers. While the Community Banker encourages a rst print policy, in cases where this is not possible, every e ort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission from the Publisher. For further information, please contact the publisher at: 855-747-4003. Contents Kenny Martin, President First Bank of Lincoln kmartin@firstbanklincoln.com Amy Quarles, President-Elect First Security Bank of Helena aquarles@fsb-hln.com Tom Christnacht, Vice President First Security Bank of Deer Lodge tchristnac@1stsecuritydl.com Jeff Koski, Treasurer First Security Bank, Bozeman Jeff.Koski@ourbank.com Martin Olsson, Immediate Past President Eagle Bank, Polson molsson@eaglebankmt.com A.J. King, ICBA State Director Three Rivers Bank, Kalispell ajking@3riversbank.com Jim Brown, Executive Director Montana Independent Bankers jbrown@mibonline.org Laura Welker, Executive Assistant Montana Independent Bankers lwelker@mibonline.org Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Jim Harris Yellowstone Bank, Billings Pete Johnson Opportunity Bank, Helena Brice Kluth First State Bank of Shelby Adam McQuiston First Montana Bank, Missoula Murry Moore Stockmens Bank, Cascade Kirk Sandquist Peoples Bank of Deer Lodge Joel Rosenberg Valley Bank of Kalispell 2014-2015 MIB AND CBM OFFICERS AND DIRECTORS Tom Welch Pioneer Federal Savings and Loan, Dillon 4 President’s Address 4 Upcoming Events 6 Executive Director’s Report 8 Featured Member Bank: First Security Bank, Bozeman 10 Featured Associate Member: Fiserv 11 MIB News 12 Member News 14 A Tribute to Paul Caruso, Sr. 15 Fine Points: A Looming Truth 16 MIB Convention & Tradeshow 2015 20 MIB Reports from the 2015 ICBA National Convention 21 Guest Article: Speculative Mania 22 From the Chairman: Flourishing Together 23 Community Bankers for Compliance Program 24 2015 MIB Membership Directory 25 MIB Associate Member Resource Guide 26 May - July Webinar Schedule 27 Advertiser Index