Pub. 4 2016 Issue 2

3 Winter 2016 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 © 2016 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.org MIB STAFF 4 President’s Address 6 Executive Director’s Report 8 Featured Member Bank: First Security Bank of Roundup 9 Featured Associate Member: Golden Eagle Construction 10 Member News 11 Compliance Q&A 12 Montana Outdoor Adventure: 2016, a Memorable Hunting Season! 14 Thank You to our Sponsors for 2015 MIB Convention and Trade Show 16 Fine Points: A Digital Danger 18 Washington Watch: Reaping Dividends Industry Advocacy Nets Key Exemption from Backdoor Tax Hike 19 From the Chairman: The Time Is Now 20 Keep the Cash Flowing: Techniques to Create Adequate Liquidity 22 The Future of Banking and Design 24 MIB Membership Directory 25 MIB Associate Member Resource Guide 26 February - April Webinar Schedule 27 Advertiser Index