Pub. 3 2015 Issue 2

3 Summer 2015 The Community Banker 2015-2016 EXECUTIVE OFFICERS 2015-2016 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 | The newsLINK Group, LLC. All rights reserved. The 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 and consideration. The 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 specific 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. The 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 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 from the Publisher. For further information, please contact the publisher at: 855-747-4003. Contents 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 Mike Moore Stockmens Bank, Cascade Kirk Sandquist Peoples Bank of Deer Lodge Joel Rosenberg Valley Bank of Kalispell Tom Welch Pioneer Federal Savings and Loan, Dillon 2015-2016 MIB AND CBM OFFICERS AND DIRECTORS 4 President’s Address 6 Executive Director’s Report 8 Featured Member Bank: First Security Bank of Deer Lodge 9 Guest Article: Fraudulent Funds Transfer Q&A 10 Featured Associate Member: Fortner, Bayens, Levkulich & Garrison, P.C. 12 Member News 14 MIB News 15 MIB Celebrates Montana Community Banking 16 MIB Convention & Tradeshow 2015 21 Fine Points: Freedom and Lending 22 From the Chairman: Key Under the Mat 23 MIB’s 2015 Outstanding Young Banker 25 Compliance Q&A 27 Washington Watch: No Saving Grace 28 MIB Membership Directory 29 MIB Associate Member Resource Guide 30 August-October Webinar Schedule 31 Advertiser Index Andrew West Eagle Bank, Polson Amy Quarles, President First Security Bank of Helena aquarles@fsb-hln.com Tom Christnacht, President-Elect First Security Bank of Deer Lodge tchristnac@1stsecuritydl.com Jeff Koski, Vice President First Security Bank, Bozeman Jeff.Koski@ourbank.com Adam McQuiston, Treasurer First Security Bank, Bozeman amcquiston@firstmontanabank.com Kenny Martin, Immediate Past President First Bank of Lincoln kmartin@firstbanklincoln.com A.J. King, ICBA State Director Three Rivers Bank, Kalispell ajking@3riversbank.com