Pub. 3 2015 Issue 3

3 Fall 2015 The Community Banker 2015-2016 MIB EXECUTIVE OFFICERS 2015-2016 MIB 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 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 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 tomc@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 Jim Brown, Executive Director Montana Independent Bankers jbrown@mibonline.org Laura Welker, Executive Assistant Montana Independent Bankers lwelker@mibonline.or g MIB STAFF 4 President’s Address 6 Executive Director’s Report 8 Featured Member Bank: First Security Bank of Helena 9 Featured Associate Member: Frontline Processing 10 Member News 13 MIB News 15 Compliance Q&A 17 Fine Points: Misguided Guidance 18 From the Chairman: Opportunity is Knocking 20 Washington Watch: Credit Union Busting Take on NCUA’s Attempt to Skirt Congress on Credit Union Business Lending 21 Movin’ On Up: Kansas Community Bank Catches, Passes Peers Using Bond Portfolio 22 Guest Article: Marketing Today - Iconic Issues Why and When Refreshing your Corporate Logo Could be a Smart Move 24 MIB Membership Directory 25 MIB Associate Member Resource Guide 26 November-January Webinar Schedule 27 Advertiser Index