Pub. 5 2017 Issue 3

3 Fall 2017 The Community Banker 2017-2018 MIB EXECUTIVE OFFICERS 2017-2018 MIB BOARD OF DIRECTORS Montana Independent Bankers 30 South Ewing Street P.O. Box 4893 Helena, MT 59604-4893 (406) 449-7444 jbrown@mibonline.org lwelker@mibonline.org www.mibonline.org © 2017 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 assistance, 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 Indepen- dent 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 Loren Brown First Security Bank of Helena 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 Tim Schreiber Farmers State Bank, Florence Joel Rosenberg Valley Bank of Kalispell Ben Ruddy Dutton State Bank, Great Falls Phil Willett Pioneer Federal Savings and Loan, Dillon Tom Christnacht, President First Security Bank of Deer Lodge tomc@1stsecuritydl.com Jeff Koski, President-Elect First Security Bank, Bozeman Jeff.Koski@ourbank.com Adam McQuiston, Vice President First Montana Bank, Missoula amcquiston@firstmontanabank.com Andrew West, Treasurer Eagle Bank, Polson awest@eaglebankmt.com Kenny Martin, Immediate Past President Citizens Alliance Bank, Lincoln kmartin@citizensalliancebank.com A.J. King, ICBA State Director Three Rivers Bank, Kalispell ajking@3riversbank.com Jim Brown, Executive Director Montana Independent Bankers jbrown@mibonline.org MIB STAFF 4 President’s Address 6 Executive Director’s Report 8 Featured Member Bank: Stockmens Bank 100 Years 9 Featured Associate Member: Holtmeyer & Monson 10 MIB Member News 12 MSU Community Bank Progam Intern Notes 13 Returns, Really? Why Net Yields Have Disappeared 14 Letter from U.S. Senators 15 Letter From Congressman Gianforte To J Brown 16 2017 MIB Tailgate Party, Griz 17 2017 MIB Tailgate Party, Cats 18 Fine Points: Be Cyber Ready 19 From the Chairman: Disaster Preparedness Hits Home 20 ICBA News 24 Advertiser Index 25 MIB Membership Directory 26 MIB Associate Member Resource Guide 27 2017 Webinar Schedule - Nov through Dec