Pub. 3 2015 Issue 3

23 Fall 2015 The Community Banker 2016 CONVENTION & TRADESHOW SAVE THE DATE JULY 21 - 23,2016 Red Lion Hotel Kalispell, MT The Biggest Little Community Banking Convention in the West! MIB is the only Montana association whose mission is dedicated solely to representing Montana community banks. Montana independent Bankers is pleased to announce the 2016 MIB GRADUATE SCHOOL SCHOLARSHIP Receive a $2,500 scholarship to a banking school of your choice for the 2016 year! Qualified Applicants must:  Have 5 years minimum banking experience  Not have prior graduate-level banking school education  Be currently employed by an MIB member bank  Be able to provide proof of acceptance at a graduate banking school for 2016 Apply by March 1, 2016 at http://mibonline.org/ training/banking-school-scholarship/ . Recipient will be selected by April 30, 2016. Contact MIB at (406) 449-7444 or lwelker@mibonline.org Young & Associates, Inc. Serving Community Banks Since 1978 Phoenix, AZ • Kent, OH The goal of Young & Associates, Inc. is to meet the unique needs of our community bank clients. Our focus is to improve bank pro tability, increase shareholder value, reduce the regulatory burden, and improve bank/regulatory relations. • Strategic Planning • Regulatory Assistance • Capital Planning • Liquidity Planning • Interest-Rate Risk Assessments • Loan Review • ALLL Review • Compliance • Information Technology • Internal Audit • Mergers & Acquisitions Whatever your needs, we have an expert among our 45-person team to assist you. C o n s u l t a n t s t o t h e F i n a n c i a l I n d u s t r y John Fahrendorf Executive Vice President Western Division 602.321.9463