INSIDE Mega 2014: Experience the Energy Story on page 10. HOOSIER BANKER MAY 2014
ONE AND DONE Together, BMO Harris Bank and BMO Capital Markets offer a complete array of specialized financial solutions, including correspondent banking, fixed income trading and analytics, interest rate management and treasury management. Through our long-standing, consistent presence in the industry, we’re one partner with the expertise to deliver an uncompromising level of service and provide flawless execution. www.bmoharris.com www.bmocm.com BMO Harris Bank® is a trade name used by BMO Harris Bank N.A. and its affiliates. Loan and deposit products and services are provided by BMO Harris Bank N.A. Member FDIC. BMO Capital Markets is a trade name used by BMO Financial Group for the wholesale banking businesses of Bank of Montreal, BMO Harris Bank N.A. (formerly Harris N.A.) and Bank of Montreal Ireland p.l.c, and the institutional broker dealer businesses of BMO Capital Markets Corp. and BMO Capital Markets GKST Inc. in the U.S., BMO Nesbitt Burns Inc. (Member – Canadian Investor Protection Fund) in Canada, Europe and Asia, BMO Nesbitt Burns Securities Limited (registered in the United States and a member of FINRA), BMO Capital Markets Limited in Europe, Asia and Australia and BMO Advisors Private Limited in India. ®Registered trademark of Bank of Montreal in the United States, Canada and elsewhere.
Worried About the Impact of Community Rating? Financial institutions typically have one of the lowest risk factors due to the nature of the business, which helps drive down overall premiums. What community rating means for financial institutions (those not already in the IBA Group Insurance Trust), is that your premiums will likely increase at your next renewal. Why? With community rating, health insurance rates are based on a single pool which includes employers from all industries, most of which typically are much higher risks than financial institutions. But, the IBA Trust is NOT subject to community rating. This means the insurance company only looks at members of the Trust -- financial institutions with typically lower risks -- when calculating renewals. Thus, the Trust avoids community rating. Call Us or Have Your Broker Get in Touch Now! Drew Tomasik, 800.558.6206 ext. 144, dtomasik@capstonebenefits.com Steve James, 800.558.6206 ext. 112, sjames@capstonebenefits.com www.ibatrust.org
,QGLDQD %DQNHUV $VVRFLDWLRQ 2IÀFHUV 'LUHFWRUV 6WDII ,%$ 2IÀFHUV Chairman ................................................................ 'DYLG : +HHWHU, MutualBank, Muncie FirstVice Chairman .................................... /DUU\ : 0\HUV, First Savings Bank, FSB, Clarksville SecondVice Chairman ........................... 0LFKDHO + +HDG, First Federal Savings Bank, Evansville Immediate Past Chairman ..................... -DPHV & 0DUFXFFLOOL, STAR Financial Bank, Fort Wayne 3UHVLGHQW DQG &KLHI ([HFXWLYH 2IÀFHU .... 6 -RH 'H+DYHQ, Indiana Bankers Association, Indianapolis &RQVWLWXHQW 'LUHFWRUV ICBA State Director ........................................ 'DYLG 0 *HLV, Jackson County Bank, Seymour ABA Membership Council ....... 0LFKDHO . %DXHU, Community Bank Shares of Indiana, New Albany Future Leadership Division President .......... /XFDV :KLWH,The Fountain Trust Company, Covington 1RUWKHDVW 5HJLRQ 'LUHFWRUV -DPHV * +LDWW, First State Bank of Middlebury Open *UHJRU\ 0D[ZHOO, Farmers State Bank, Mentone 1RUWKZHVW 5HJLRQ 'LUHFWRUV $QQHWWH 0 5XVVHOO, Security Federal Savings Bank, Logansport 3DWULFN 'XIIH\, State Bank of Burnettsville .DUHQ , 0LOOHU,The Farmers Bank, Frankfort 6RXWKHDVW 5HJLRQ 'LUHFWRUV 'HQQLV :D\PDQ, State Bank of Medora *HRUJH : )HUULHOO, Bath State Bank $UFKLH 0 %URZQ, MainSource Financial Group, Greensburg 6RXWKZHVW 5HJLRQ 'LUHFWRUV &OD\ : (ZLQJ, German American, Jasper .XUW ' 5RVHQEHUJHU, Our Community Bank, Spencer 0DWWKHZ +RZUH\, North Salem State Bank ,%$ 6WDII 3UHVLGHQW &KLHI ([HFXWLYH 2IÀFHU ........................................................... 6 -RH 'H+DYHQ ExecutiveVice President .............................................................. 3DXO : )UHHPDQ &$( SeniorVice President–Government Relations ........................................ $PEHU 5 9DQ 7LO -' Vice President–Meetings & Events ............................................ &KULVWLQD 0 %HQQHWW &03 Vice President–Government Relations ........................................................... 'D[ 'HQWRQ Vice President–Products & Services ................................................................. 5RG /DVOH\ Vice President–Education & Training ........................................................... /DXULH $ 5HHV Vice President–Communications .................................................................. /DXUD :LOVRQ Events & Communications Assistant ............................................................... 6XVDQ &ODUN Education Meeting Coordinator ................................................................. 0DUOHQH :HOOV Staff Accountant ....................................................................................... 7LPRWK\ )U\ IT and Facilities Manager ...................................................................... 7UDF\ :DLQVFRWW Administrative Assistant ........................................................................... 0LFKHOOH /RQJ *RYHUQPHQW 5HODWLRQV 2IÀFH 0DQDJHU ...................................................... -RVKXD $ 0\HUV (PDLO DGGUHVVHV )LUVW LQLWLDO RI WKH VWDII PHPEHU·V ÀUVW QDPH SOXV ODVW QDPH H[DPSOH MGRH#LQGLDQDEDQNHUV RUJ 3OHDVH VHQG QHZV UHOHDVHV WR ,%$FRPPXQLFDWLRQV#LQGLDQDEDQNHUV RUJ 0LVVLRQ To advocate for and sustain an environment in which banks can succeed. 9LVLRQ To provide exemplary service to members as the premier state bank trade association in the country. 9DOXHV ,Q IXOÀOOLQJ RXU PLVVLRQ we will: 0DLQWDLQ WKH KLJKHVW HWKLFV LQWHJULW\ DQG respect for others; 6HUYH ZLWK SURIHVVLRQDOLVP innovation and resourcefulness; ,QVWLOO SDVVLRQ SRVLWLYH attitude and enthusiasm; 5HPDLQ PLQGIXO WKDW the success of the IBA LV MXGJHG E\ WKH VXFFHVV of its members. View Hoosier Banker Digital at www.ourdigitalmags.com/ publication/?m=19522&l=1. 3XEOLFDWLRQ 'LVFODLPHU Hoosier Banker articles are published by the IBA Service Corp., a subsidiary of IBA Holding Company Inc., that is a wholly owned subsidiary of the Indiana Bankers Association. All material published in Hoosier Banker and/or on the IBA website is the property of the Indiana Bankers Association.
5 HOOSIER BANKER TABLE OF CONTENTS VOLUME 98 NO. 5 6925 Parkdale Place Indianapolis IN 46254-4673 Phone: 317-387-9380 Fax: 317-387-9374 ZZZ LQGLDQDEDQNHUV RUJ 3XEOLVKHU 6 -RH 'H+DYHQ Editor: Laura Wilson $GYHUWLVLQJ 5RG /DVOH\ 6HQG QHZV UHOHDVHV WR IBAcommunications #LQGLDQDEDQNHUV RUJ Hoosier Banker (ISSN 0018-473X) is published monthly by the IBA Service Corp., a subsidiary of IBA Holding Company Inc., that is a wholly owned subsidiary of the Indiana Bankers Association. The magazine invites news from IBA ǯȱ ¢ȱDZȱęȱȱ the month preceding publication. $GYHUWLVLQJ 5DWHV DYDLODEOH upon request or online at ZZZ LQGLDQDEDQNHUV RUJ. Advertisers should provide HOHFWURQLF 3')V E\ WKH WK RI WKH PRQWK SUHFHGLQJ SXEOLFDWLRQ Hoosier Banker DGYHUWLVLQJ LV available to members and associate members of the Indiana Bankers Association only. 6XEVFULSWLRQV Hoosier Banker subscriptions are provided free of FKDUJH H[FOXVLYHO\ WR PHPEHUV DQG associate members of the Indiana Bankers Association. Public access to Hoosier Banker Digital is available DW ZZZ LQGLDQDEDQNHUV RUJ $662&,$7,21 83'$7( 6 PRESIDENT’S PONDERINGS S. Joe DeHaven, IBA 8 IBA CALENDAR OF EVENTS &29(5 6725< 10 MEGA 2014: EXPERIENCE THE ENERGY Christina M. Bennett, IBA ',5(&7256 6(1,25 0$1$*(0(17 18 YOUR BOND PORTFOLIO DOES NOT LIVE ALONE Lester F. Murray,The Baker Group 22 FINAL RULES REGARDING SERVICING REQUIREMENTS FOR RESIDENTIAL MORTGAGES Christina M. Bruno, Bose McKinney & Evans LLP *5 6327/,*+7 24 JOIN US FOR THE 2014 IBA ANNUAL WASHINGTON TRIP Amber R.Van Til, IBA 363 6+2:&$6( 26 PSP UPDATE – GREAT LAKES CAPITAL FUND Rod Lasley, IBA '(3$570(176 16 COMPLIANCE CONNECTION Larry C.Tomlin, Krieg DeVault LLP 17 NEW BRANCHES, BUILDINGS & OPENINGS 17 ASSOCIATE MEMBERS' CORNER 20 ANNIVERSARY MILESTONES 23 FINANCIAL LITERACY DIGEST 25 BANKING ON COMMUNITY 28 HONORS 31 BANKERS ON THE MOVE 34 ADVERTISERS INDEX 5 HOOSIER BANKER MAY 2014 “Experience the Energy” was the theme for Mega 2014.
6 HќќѠіђџȱ юћјђџ юѦ 2014 servicer” exemption to include servicers with 20,000 or fewer loans. Another bill deals with increasing the qualifying asset level for recognition as a Small Bank Holding Company Policy Statement from $500 million to $1 billion and allows small savings and loan holding companies to be covered by these provisions. The result is that it will be easier to raise both debt and equity at the holding company level and to downstream the proceeds to subsidiary banks or thrifts. Still another bill would allow banks to petition the Consumer Financial Protection Bureau (CFPB) to reassess having a rural status of a county designated. Our own Sen. Dan Coats authored a bill that would require the CFPB to look to the prudential regulators for data before asking banks to provide it. If the prudential regulator does not have the requested data, the CFPB would have to get permission from the prudential regulator to ask banks to provide the requested data. Thank you, Senator! While this list does not include all of the legislative efforts under way, it should provide some hope that direction has changed. I recognize that individually none of these provisions can begin to make up for the damage that has been ravaged upon banks. It displays a realization by many in Congress that regulatory overkill needs to be turned back … something that I hear over and over when I visit with congressmen, both Democrats and Republicans. It’s a refreshing new perspective, ushering in a season for which I will Turn! Turn! Turn! In 1965 the American folk rock band, The Byrds, recorded a song titled, “Turn! Turn! Turn! (to Everything There Is a Season).” It landed as the No. 1 hit song in the United States for three consecutive weeks. The history of the song goes far, far back, because nearly every lyric is lifted verbatim from chapter 3 of the book of Ecclesiastes in the Bible. A few years prior to The Byrds’ recording, folk singer Pete Seeger had taken this poetic Bible verse; inserted the refrain of “Turn! Turn! Turn!”; then concluded with the line, “A time for peace, I swear it’s not too late.” To quote the biblical inspiration: To every thing there is a season, and a time to every purpose under the heaven; A time to be born, and a time to die; a time to plant, a time to reap that which is planted; A time to kill, and a time to heal; a time to break down, and a time to build up; A time to weep, and a time to laugh; a time to mourn, and a time to dance; A time to cast away stones, and a time to gather stones together; a time to embrace, and a time to refrain from embracing; A time to get, and a time to lose; a time to keep, and a time to cast away; A time to rend, and a time to sew; a time to keep silence, and a time to speak; A time to love, and a time to hate; a time of war, and a time of peace. When Seeger put music to these words, and The Byrds played the music in a way that no one else had, a hit was born. Turn! Turn! Turn! has always been one of my favorite songs. It encapsulates much of life, both the good and the bad. If you agree that there is a season for everything, then you would have to agree that it is time for the season to unshackle banks and bankers from the unnecessary regulatory burden that has been unjustly cast upon them. Though to date there have only been small steps, there does appear to be some movement in the right direction. Many bills have been introduced within the past few months that help. One relieves Subchapter S banks from total prohibition to pay dividends when capital issues arise. After all, C corporation banks pay taxes, then may be prohibited from paying dividends, but the tax burden for S corporations is borne by shareholders. This change would place both S and C corporations on equal footing. Others have to do with mortgages. One bill would make any mortgage loan held in portfolio by the originator a ęȱ ǯȱ ȱ ȱ¡ȱȱȱ $10 billion in assets from the new escrowing requirements from the Dodd-Frank Act. It would also increase the “small ASSOCIATION UPDATE PRESIDENT’S PONDERINGS 6 -RH 'H+DYHQ 3UHVLGHQW &KLHI ([HFXWLYH 2IÀFHU ,QGLDQD %DQNHUV $VVRFLDWLRQ The 2014 Consumer Lending School took place April 15-17 at the IBA Center for Professional Development. Shown are (left to right): Row 1-Ryan Payne, First Harrison Bank, Corydon; Kelly Matlock, First Harrison Bank, Corydon; Courtney Dillon, North Salem State Bank;Abby Early, Community State Bank,Twelve Mile; Heather Carter, Security Federal Savings Bank, Logansport; Row 2-Danielle Morris, German American Bancorp, Bloomington; Denise Bodart, German American %DQFRUS -DVSHU $VKOH\ $KUHQV 1RUWK 6DOHP 6WDWH %DQN 6DUD 5XPPHO *UHHQÀHOG Banking Company; Courtney Wigginton, Community State Bank,Avilla; Everett Metzger,The Fountain Trust Company, Lafayette; Row 3-Branden Scott, Community State Bank, Royal Center; Kevin Lange, Fowler State Bank; and instructor David Kemp, Bankers Management Inc. &RQVXPHU /HQGLQJ 6FKRRO *UDGXDWHV
In today’s environment, Correspondent relationships are more important than ever and you can take advantage of Stock Yards Bank’s position as one of the largest and strongest banks based in this region. We are committed to working with the community banks of Indiana and we want to be your bank’s partner when you have needs around capital, liquidity, acquisition financing, stock buy backs and more, in addition to retirement plans and other trust services. Give James or Jim a call and put our experienced team to work for your bank. Jim McKenzie Correspondent Banking James Brown Correspondent Banking Lending Services Holding Company Shareholder Groups Bank Credit Needs And More! Deposit Services Fed Fund Sweeps Wire Transfer Automated Clearing House And More! International Services Foreign Exchange (CHECKS & WIRES) Letters of Credit And more! NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE Wealth Management Services Jim McKenzie has over 40 years of banking experience, 36 years of those years as a correspondent banker. James Brown has over 20 years of banking experience in Retail, Small Business, Corporate and Correspondent Banking. (502) 625-0878 jim.mckenzie@syb.com (502) 625-9330 james.brown@syb.com THE CORRESPONDENT BANKING TEAM Retirement Plans Investment Management Insurance Trust Partnering And More! www.syb.com The good guys.
ASSOCIATION UPDATE CALENDAR OF EVENTS Register online at www.indianabankers.org/calendar.cfm 8 HќќѠіђџȱ юћјђџ юѦȱ2014 Alternative Delivery Channels … $YDLODEOH DW \RXU FRQYHQLHQFH YLD :HELQDU &' 520 RU 2Q 'HPDQG Conducting Internal Compliance Reviews for Appraisals and Evaluations -XQH u ,%$ &HQWHU Commercial Lending School -XQH u ,%$ &HQWHU Simplifying Your IT Risk Management Program -XQH u ,%$ &HQWHU CFO Forum: -XQH u ,%$ &HQWHU *URXS -XQH u ,%$ &HQWHU *URXS Basic Banking School: Session 3 - Integrated Bank Security and Compliance -XQH u ,%$ &HQWHU Senior Lender Forum: -XQH u ,%$ &HQWHU *URXS -XQH u ,%$ &HQWHU *URXS BSA/AML Compliance School -XQH u ,%$ &HQWHU Real Estate Lending Compliance -XQH u ,%$ &HQWHU Bonds 101: Understanding Fixed-Income Bonds -XQH u ,%$ &HQWHU ,7 DQG 2SHUDWLRQV 2IÀFHUV )RUXP -XQH u ,%$ &HQWHU *URXS -XQH u ,%$ &HQWHU *URXS Compliance for Mortgage Loan Processors -XO\ u ,%$ &HQWHU Auditing RESPA -XO\ u ,%$ &HQWHU Flood Rules for Lenders and Operators -XO\ u ,%$ &HQWHU Human Resource Director Forum -XO\ u ,%$ &HQWHU Introduction to Consumer Loan Origination and Compliance -XO\ u ,%$ &HQWHU A Workshop for Loan Assistants and Loan Processors -XO\ u ,%$ &HQWHU BSA for the Frontline -XO\ u 6KHUPDQ +RXVH %DWHVYLOOH -XO\ u %HVW :HVWHUQ ([HFXWLYH 3OD]D Lafayette -XO\ u )RUW :D\QH +RWHO -XO\ u &KDSPDQ·V 5HVWDXUDQW Bloomington -XO\ u %HVW :HVWHUQ 3OXV 1HZ $OEDQ\ -XO\ u +XQWLQJEXUJ (YHQW &HQWHU Analyzing Cash Flow From IncomeProducing and Rental Real Estate -XO\ u ,%$ &HQWHU Administering Construction Loans -XO\ u ,%$ &HQWHU The 2014 IBA Leadership Development Program: Session 3 - Limitations Are Self-Imposed $XJ u :RRGHG *OHQ ([HFXWLYH 5HWUHDW DQG &RQIHUHQFH &HQWHU Henryville Community Bankers for Compliance Series – Session 3 $XJ u &RXUW\DUG E\ 0DUULRWW )RUW :D\QH $XJ u ,%$ &HQWHU $XJ u ,%$ &HQWHU Call Report Update and Review $XJ u ,%$ &HQWHU Regional Bank Director Workshop $XJ u )RUW :D\QH +RWHO $XJ u :RRGHG *OHQ ([HFXWLYH 5HWUHDW DQG &RQIHUHQFH &HQWHU Henryville $XJ u ,%$ &HQWHU Branch Management Series: Session 3 - Leading, Developing and Engaging the Team $XJ u ,%$ &HQWHU Basic Banking School: Session 4 - Regulatory Guidelines and Examinations $XJ u ,%$ &HQWHU Vendor Management $XJ u ,%$ &HQWHU Asset Liability Management Seminar $XJ u ,%$ &HQWHU IBA Annual Washington Trip 6HSW u :DVKLQJWRQ '& 7UXVW 2IÀFHU )LQDQFLDO $GYLVHU )RUXP 6HSW u ,%$ &HQWHU Senior Retail Banking Forum Sept. 10 u ,%$ &HQWHU 5LVN 0DQDJHPHQW 2IÀFHU )RUXP Sept. 11 u ,%$ &HQWHU State of Indiana Safe Deposit Operations: 2014 Guidelines & Update Sept. 11 u ,%$ &HQWHU Annual Security Management Seminar 6HSW u ,%$ &HQWHU Mortgage Lending School 6HSW u ,%$ &HQWHU Advanced Ag Banking Workshop 6HSW u %HVW :HVWHUQ ([HFXWLYH 3OD]D Lafayette BSA/AML Compliance Management 6HSW u ,%$ &HQWHU IRS Compliance for Financial Institutions 6HSW u ,%$ &HQWHU Deposit Account Administration 6HSW u ,%$ &HQWHU Advanced Credit Analyst 6HSW u ,%$ &HQWHU IBA Annual Convention 6HSW u )UHQFK /LFN 6SULQJV 5HVRUW Small Business Banker Development Program: Session 1 - The Fundamentals of Small Business 2FW u ,%$ &HQWHU Small Business Banker Development Program: Session 2 - Underwriting Small Business Loans 2FW u ,%$ &HQWHU -XQH u Consumer Collection Compliance Under the CFPB, UDAAP, DFCPA, FACTA and More -XQH u Branch Manager Expertise -XQH u ACH Specialist Series: How to Legally Recover Unauthorized ACH Withdrawals After the NACHA Return Deadlines -XQH u Excel Explained: Minimize Spreadsheet Errors -XQH u Head Teller Development: Improving Teller Performance -XQH u Completing the CTR Report Line-by-Line -XQH u Mobile Banking -XQH u Reg CC -XQH u Loan Pricing Strategies for Community Banks -XQH u Processing IRA Rollovers and Transfers -XQH u Call Report Preparation: Basic Lending Schedules: RC-C and RC-K -XQH u Seven Habits of Effective Credit Administration in Commercial Banks -XQH u UDAAP -XQH u &5$ 1XWV DQG %ROWV +RZ WR 'HÀQH DQ $VVHVVment Area, Collect Data and Pass the Exam -XQH u Mainstreaming Mobile Remote Deposit Capture: Adoption, Deployment, Operations and Risks -XQH u Self-Employed Borrower Tax Implications Under WKH 1HZ &)3% ,QFRPH 9HULÀFDWLRQ 5XOHV -XQH u &RPSOLDQFH 2IÀFHU 7UDLQLQJ :LOO <RXU $0/ %6$ OFAC Program Satisfy Examiner Scrutiny? -XQH u How to Use Business Resolutions and Authorizations to Protect Your Financial Institution -XO\ u Completing the SAR Report Line-by-Line -XO\ u Successful Skip Tracing Tools and Techniques for Locating Your Customer and Recovering Collateral -XO\ u Making the Transition to Paperless Board Packages and Reporting: Electronic Access,Tablets and E-Board Portals -XO\ u Audit Report Writing -XO\ u Dealing With Subpoenas, Summonses, Garnishments, Tax Levies, Etc. -XO\ u Overdraft Protection Review, Updates and Issues -XO\ u Regulation E Requirements for Debit Card Error Resolution: Processing, Disclosure and Investigation -XO\ u Fair Lending -XO\ u Ensuring Data Security:What You Need to Know Now -XO\ u Call Center Representative Training -XO\ u Business Accounts:Authority and Liability -XO\ u Risk Management Series: Stress Testing for Enterprise Risk Management -XO\ u Steps to SAFE Act Registration, Renewal and Compliance for Mortgage Loan Originators -XO\ u Sharpen Your Skills as a Presenter -XO\ u Consumer Loan Documentation -XO\ u Lending to Municipalities -XO\ u Mastering Business Development, Part 1: ResultsDriven Foundational Skills -XO\ u Avoiding HMDA Reporting Mistakes $XJ u Wire Transfer Compliance $XJ u Start Coaching and Stop Hovering Over the Teller Line $XJ u Medallion and Signature Guarantee Rules and Risks $XJ u RDC $XJ u ACH Specialist Series: Federal Government ACH Payments: Reclamations and Garnishments $XJ u New Non-Resident Alien Rules for 2013: BSA, W-8BENS and Interest Reporting $XJ u Conducting an HR Audit: Compliance Risks,Audit Areas and Best Practices $XJ u Regulatory Implications of FFIEC Authentication Guidance $XJ u Required Compliance Series: Red Flags for ID Theft, Bribery and Privacy $XJ u Call Report Preparation:Advanced Lending Schedules and Issues $XJ u Risk Management Series: The Importance of Developing a Capital and Contingency Plan
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10 HќќѠіђџȱ юћјђџ юѦȱ2014 COVER STORY The theme of the 2014 Mega Conference of the Indiana Bankers Association, “Experience the Energy,” paid homage to the massive energy that bankers devote to their customers, communities and careers. ȱȱ ȱȱŗǰŘśŖȱĴȱ ȱȱȱȬ Ĵȱǰȱ ȱȱȱȱĚȱȱȱ ȱ Convention Center in downtown Indianapolis. Traditionally Mega opens with a Monday golf outing, which this year was rained out. However spirits were anything but dampened, as golfers instead found alternate ways to network via capitol city excursions, plus a chance to meet and mingle in the chairman’s hospitality suite, specially opened for the afternoon. Golf event boxed lunches were promptly donated to Second Helpings, an organization which redistributes food to people in need through social service channels. Tuesday, April 28, Mega educational sessions began with a ǰȱȱĴȱ£ȱȱ learning experience by choosing from an array of 24 quality sessions. Topics represented were Compliance, Directors, Human Resources, Sales & Customer Service and Trust — plus the added track of Retail Banking. Tuesday’s luncheon honored the banks and associate members which are deeply engaged in the Association — winners of the Five Star and Diamond Associate Member awards. Tuesday’s keynote speaker, ȱ ȱ Ĵȱ ȱǻ ǯǼǰȱ recounted the spellbinding saga of “Black Hawk Down” in a moving presentation that reinforced the virtues of patriotism, leadership and duty. At the close of Tuesday’s education ǰȱĴȱĚȱȱȱ Mega Reception, held across the ȱȱȱ ȱ Ĵǯȱ This gathering combined end-ofday networking with a tribute to the associate members whose support makes the Mega Conference possible. ȱęȬȱ ȱ ȱ format was an instant hit. Wednesday, April 29, continued the energy of Mega with a fresh assortment of 24 educational sessions, including a new track: Risk Management. Additional topical areas were Business Lending, Financial Management, Marketing, Operations & Technology and Strategic Thinking. Luncheon presentations on Wednesday highlighted the best ȱ ȱȱȱěȱ through the IBA Maxi Awards. Emcee Tade Powell of First Farmers Bank and Trust Company, Converse, artfully recounted the traits of each Maxi Award winner. Congratulations to all Maxi Award banks, and to MainSource Bank, Greensburg, for winning Best of Show. Also at the luncheon, keynote speaker Rory Aplanalp shared a spirited message of hope through his presentation, ȃ ȱȱ ěǯȄ Another highlight of Mega is the perennially sold-out trade show, which this year featured 84 exhibitors showcasing the best of product-andservice solutions. Last year’s popular exhibit hall game was reprised in 2014 as a double-card game, giving bankers twice the opportunity to win prizes while networking among service providers. We value Mega exhibitors not only for the product-and-service information they share, but for the ęȱȱ¢ȱǰȱȱ with the many other sponsors who make Mega a reality. Thank you to our dedicated sponsors who allow us ȱěȱ ȱȱȱȱȱȱ the Indiana banking community. Thank you, also, to the members ȱȱ ȱȱĴǯȱ Ĵȱȱȱȱ in advance to guide the educational value of the event, ensuring that Mega addresses timely topics presented by quality speakers. Finally, thank you to our members, who come to Mega and other IBA events. IBA is a member-driven organization; you are the reason we come together at Mega and other events. Please plan to join us for next year’s Mega Conference, scheduled for May 11-13, 2015, at the Indiana Convention Center. We look forward to another Mega success. Mega 2014: Experience the Energy яќѢѡȱѡѕђȱ Ѣѡѕќџ ȱ ǯȱ Ĵ, CMP, is vice president-meetings & events of the Indiana Bankers Association. She can ȱȱȱřŗŝȬřŞŝȬşřŞŖǰȱDZȱĴȓ- anabankers.org.
11 HќќѠіђџȱ юћјђџ юѦ 2014 See highlights of the 2014 Mega Conference:“Experience the Energy,” with original music provided by Dan Hadaway of Infotex, an IBA Preferred Service Provider. Click on the red YouTube arrow above by visiting +RRVLHU %DQNHU 'LJLWDO at www.indianabankers.org. Digital Bonus Video: Mega 2014 0HJD 6SRQVRUV Agresta, Storms & O’Leary PC Allied Solutions The Baker Group banc-serv PARTNERS LLC Bank Compensation Consulting Bankers’ Bank Bank Financial Services Group Bankrate.com BITS Network BKD, LLP BMO Harris Bank Bose McKinney & Evans LLP CliftonLarsonAllen CoNetrix Crowe Horwath LLP CSI Deluxe Equias Alliance ¡ȱ ęȱ Farin & Associates Inc. Federal Home Loan Bank of Indianapolis Federated Investors Inc. Floodplain Consultants Inc. Graduate School of Banking Great Lakes Capital Fund IBA Group Insurance Trust Investors Title Insurance Company ǰȱ ¢Ĵȱǭȱ ȱ ǯ The KeyState Companies Kilpatrick Townsend & Stockton LLP Krieg DeVault LLP Lee & Mason Financial Services McGladrey LLP OneAmerica, AUL Retirement Services PCBB Plante Moran PowerLender LOS ęȱ ȱ ǯ ¢ȱ ęȱ Renninger & Associates LLC SDGblue LLC The SHAZAM Network TIB Tilson TransFund Travelers Voluforms Weltman Weinberg & Reis Company LPA Wilmington Trust, NA Wolf PAC Integrated Risk Management Works24 Young & Associates Inc. 0D[L $ZDUG :LQQHUV Annual Report Alliance Bank, Francesville Jackson County Bank, Seymour Branding Campaign Citizens Bank, Mooresville The Napoleon State Bank STAR Bank, Fort Wayne Deposit Campaign Ameriana Bank, New Castle Loan Campaign First Merchants Bank, NA, Muncie The LaPorte Savings Bank Radio, TV, Video Spot Citizens Bank, Mooresville The Farmers Bank, Frankfort Series Jackson County Bank, Seymour MainSource Bank, Greensburg West End Bank, Richmond Single Piece First Bank Richmond, NA West End Bank, Richmond Social Media Ĵȱ ȱ MainSource Bank, Greensburg Special Event Bippus State Bank, Huntington First Farmers Bank and Trust Company, Converse German American, Jasper BEST OF SHOW MainSource Bank, Greensburg )LYH 6WDU 0HPEHU $ZDUG :LQQHUV Alliance Bank, Francesville Ameriana Bank, New Castle Bank of Geneva ȱȱ Ĵ Bath State Bank Bedford Federal Savings Bank Bippus State Bank, Huntington Citizens Bank, Mooresville Community Bank, Noblesville Community First Bank of Indiana, Kokomo Community State Bank, Avilla Community State Bank, Royal Center Crossroads Bank, Wabash Ĵȱ ȱ ȱȱ ȱ ǰȱ Ĵ The Farmers Bank, Frankfort The Farmers State Bank, Brookston Farmers State Bank, LaGrange First Bank Richmond, NA First Farmers Bank and Trust Company, Converse First Federal Savings Bank, Evansville First Federal Savings Bank, Huntington The First National Bank of Odon First Savings Bank, FSB, Clarksville The Fountain Trust Company, Covington Ĵȱ ȱ German American, Jasper Home Bank SB, Martinsville Hoosier Heartland State Bank, Crawfordsville iAB Financial Bank, Fort Wayne Jackson County Bank, Seymour Kentland Bank Logansport Savings Bank, FSB MainSource Bank, Greensburg Mutual Savings Bank, Franklin MutualBank, Muncie The New Washington State Bank, Charlestown North Salem State Bank Ossian State Bank Our Community Bank, Spencer River Valley Financial Bank, Madison ȱ Ĵȱ ¢ȱ ȱ ǰȱ Ĵ Security Federal Savings Bank Springs Valley Bank & Trust Company, French Lick STAR Bank, Fort Wayne ȱ ȱȱ Ĵ State Bank of Lizton State Bank of Medora Tower Bank, Fort Wayne Wayne Bank and Trust Company, Cambridge City Your Community Bank, New Albany 'LDPRQG $VVRFLDWH 0HPEHUV The Baker Group Bankers’ Bank Equias Alliance Federal Home Loan Bank of Indianapolis Infotex The KeyState Companies Krieg DeVault LLP Plante Moran Renninger & Associates LLC The SHAZAM Network Wilmington Trust, NA See Mega Conference photo gallery pages 12-14.
12 HќќѠіђџȱ юћјђџ юѦȱ2014 2014 MEGA CONFERENCE PHOTO GALLERY
13 HќќѠіђџȱ юћјђџ юѦ 2014
14 HќќѠіђџȱ юћјђџ юѦȱ2014 2014 MEGA CONFERENCE PHOTO GALLERY
15 HќќѠіђџȱ юћјђџ юѦ 2014 Centier Bank, Northern Indiana, has donated $3 million to senior care facilities in Pilgrim Manor, Plymouth; Byron Health Center, Fort Wayne; St. Anthony Healthcare, Lafay- ĴDzȱȱ ȱ ȱ ǰȱ ǰȱȱȱ with the Senior Housing Crime Prevention Foundation (SHCPF). Representatives from the bank, SHCPF and the Indiana Bankers Association visited the senior facilities in April for presentation of plaques, DVDs and donation checks. SHCPF is a nationwide organization that provides safe and secure living environments for residents of nursing homes and assisted living facilities through the Senior Crimestoppers program, a coordinated set of components designed to create a zero tolerance to crime in senior housing facilities. Features include personal lockboxes for the residents, cash rewards up to $1,000 paid anonymously for information about wrongdoing of any kind, and ongoing ȱȱȱȱěȱȱȱǯȱ Senior Crimestoppers has reduced crime in participating facilities by 94 percent. Because many senior home residents are low- and moderate-income individuals, bank participation in SHCPF ¢ȱęȱ ¢ȱ ȱ ȱǯȱ IBA partners with SHCPF to enable member banks to participate. For more information, please contact Rod Lasley at řŗŝȬřŞŝȬşřŞŖǰȱDZȱ ¢ȓǯǯȱ 6+&3) 3UHVHQWDWLRQV +LJKOLJKW 6HQLRU &ULPHVWRSSHUV Shown at the presentation to Golden Living Center are (left to right): Steve Watts, community bank president, Centier Bank, Northern Indiana; Carissa Stivers, social director of Golden Living Center of Mishawaka; Sheila Sieradzki; vice president of business banking, Centier Bank; and Rod Lasley, vice presidentproducts & services, Indiana Bankers Association. CAPTIVE INSURANCE FEASIBILITY AND MANAGEMENT DELAWARE AND NEVADA INVESTMENT SUBSIDIARIES AND HOLDING COMPANIES CUSTODY PORTFOLIO ACCOUNTING INVESTMENT MANAGEMENT Mindy Riddle Mary Alice Avery ©2012 Wilmington Trust Corporation. Affiliates in Arizona, California, Connecticut, Delaware, Maryland, Michigan, Minnesota, Nevada, New Jersey, New York, Pennsylvania, South Carolina, Texas, Vermont, Cayman Islands, Channel Islands, Dublin, Frankfurt, London, and Luxembourg. All rights reserved. The business world is an increasingly volatile place. Managing through change demands the expertise that Wilmington Trust clients have come to expect. We bring a world of experience to the table. We’ve been there, we’re ready, and we’re capable of things you haven’t even imagined yet. Entity Management Experience Lives Here GET IN TOUCH WITH EXPERIENCE TODAY BY CALLING 302.636.6127. Richard Klumpp
16 HќќѠіђџȱ юћјђџ юѦȱ2014 COMPLIANCE CONNECTION Question: Consumer Loan Fees – What are the new consumer loan fees and other adjusted amounts for consumer loans that are allowed in Indiana? Answer: The Uniform Consumer Credit Code (UCCC)1 is the part of the Indiana Code which outlines the types and amounts of fees which ęȱȱ¢ȱȱ and other trigger amounts related to extending credit to consumers. Some of the fees and trigger amounts ȱěȱ ¢ȱŗȱȱȬ numbered years. The key revised fees and trigger amounts which ȱěȱ ¢ȱŗǰȱŘŖŗŚǰȱȱ listed in the chart at right; however, due to a drafting inconsistency in House Enrolled Act 1245 from the 2014 legislative session, some of the referenced amounts will adjust beyond these changes provided by the Administrative Code, as described in the following footnotes. ȱęȱȱȱ take the necessary steps to ensure that all IT systems are updated to Ěȱȱ ȱǰȱȱȱȱ will include the new fees in all loan documents beginning July 1, 2014. Additionally all loan origination, ǰȱȱȱěȱȱ utilizing this information should be made aware of the change. All current fees listed above, and other fees related to the UCCC, can be found in the Indiana Administrative Code.6 ABOUT COMPLIANCE CONNECTION In order to address compliance inquiries from members, IBA provides Compliance Connection, an assistance ȱěȱȱȱ Ȭęȱȱ ǯȱ ȱȱĴȱȱȱǰȱ ȱ Compliance Connection will refer the bank to a law ęǯȱ ȱȱȱȱȱ ȱȱ¢ȱLarry C. Tomlin, partner with Krieg DeVault LLP, Indianapolis, and IBA compliance consultant. Submit Compliance Connection questions to IBA’s Amber R. Van Til at avantilȓǯǯ This information is provided for general education purposes and is not intended to be legal advice. ȱȱȱȱȱęȱȱȱ to how this information applies to your institution’s circumstances or situation. 1 IC 24-4.5 et seq. 2 House Enrolled Act 1245 from the 2014 legislative session will further amend this amount to be $4,000 as of July 1, 2014. 3 House Enrolled Act 1245 from the 2014 legislative session will further amend this amount to be $4,000 as of July 1, 2014. 4 House Enrolled Act 1245 from the 2014 legislative session will further amend this amount to be $4,000 as of July 1, 2014. IC Section(IC 24-4.5…) Dollar Amounts Provisions Relating to IC 24-4.5-2-201(7) $ 2,000/4,000 Graduated rate (sales) IC 24-4.5-2-201(8) 48 Minimum credit service charge IC 24-4.5-2-203.5(5) 18.50 Delinquency charge (sales) 2-407(4) 1,110/3,7002 Security interest (sales or leases) 3-201(7) 48 Minimum loan finance charge 3-203.5(5) 18.50 Delinquency charge (loans) 3-508(6) 2,000/4,000 Graduated rate (supervised loans) 3-508 (7) 48 Minimum loan finance charge 3-510(2) 3,7003 Land as security (loans) 3-511(2) 1,110/3,7004 Maximum loan term 4-301(4) 1,110 Property insurance 5-103(7) 3,7005 Deficiency judgment 7-104(2) 605 Principal loan amount 7-201(4) 605 Graduated rate scale 7-404(3) 605 Combined loan amounts 5 House Enrolled Act 1245 from the 2014 legislative session will further amend this amount to be $4,000 as of July 1, 2014. 6 750 IAC 1-1-1 Carrier selection is one of the most critical decisions in a BOLI purchase. Not all BOLI providers offer carriers with the top AAA rating. Executive Benefits Network offers its clients the most highly rated BOLI carriers in the industry; delivering the long-term benefits and financial strength our clients expect. Now that is Knowledge You Can Bank On.™ We Peel Back the Layers So Our Clients Can Fully Uncover BOLI. ©2014 EBN BOLI & Deferred Compensation Experts 800.780.4EBN ebn-design.com
17 HќќѠіђџȱ юћјђџ юѦ 2014 Steve Powless, chief executive ĜȱȱComputer Services Inc. (CSI), Paducah, Ky., has been named one of the 2014 Distinguished Alumnus recipients by the Murray State University Alumni Association. The award, presented on April 11, honors alumni who have fully dedicated themselves to their profession and have helped enhance the lives of others. Powless joined CSI in 1987 and was named CEO in 1999. He serves Murray State University on its telecommunication system management national advisory board. ASSOCIATE MEMBERS’ CORNER © 2014 Krieg DeVault LLP THINKING BEYOND TRADITIONAL SOLUTIONS FOR FINANCIAL INSTITUTIONS FOR OVER 130 YEARS Corporate Representation Mergers and Acquisitions &DSLWDO 2ǺHULQJV Regulatory Compliance Supervision and Enforcement New Product Development Litigation Commercial/Consumer Loan Creditors’ Rights Trust Tax Securities Employment Intellectual Property One Indiana Square Suite 2800 Indianapolis, Indiana 46204 p: 317.636.4341 f: 317.636.1507 INDIANA ILLINOIS GEORGIA FLORIDA MINNESOTA www.kriegdevault.com Amplify s a public relations and ȱěȱȱ¢ȱȱ American Bankers Association with help from banking professionals. Available to all bankers — both ABA members and ȱȯȱȱěȱȱȱȱ rebuild the image of banking. ȱDZȱĴDZȦȦ ǯ amplifybankers.com/Login/ register.aspx. $PSOLI\ <RXU (IIRUWV Ampli American fromba all ban r $PSOLI\ Springs Valley Bank & Trust Company, French Lick, hosted a ȬĴȱ¢ȱȱ ȱŗŗȱ for a new facility located in the Valley at 8482 State Rd 56. Members of the ¢ǰȱȱĜȱ and local building contractors ȱȱȱǰȱĜȱ and employees for the occasion. The ceremony culminated a grand opening held April 7-11, with £ȱȱȱěǯȱ Additionally the bank donated $500 to the Springs Valley Food Pantry. NEW BRANCHES, BUILDINGS & OPENINGS A ribbon-cutting ceremony marked the opening of a new branch for Springs Valley Bank & Trust Company, French Lick. Shown are (left to right): Angela Jones, J.C.Tucker, Mark Lindsey, Jamie Shinabarger, Douglas Habig, Barry Wininger, Steve Stewart, Ronald “Pete” Sermersheim, Frank Hall, Ronald Thyen and JoElla Land.
18 HќќѠіђџȱ юћјђџ юѦȱ2014 &RQWLQXHG RQ SDJH DIRECTORS / SENIOR MANAGEMENT Like a typical household, a typical community bank has a variety of diverse characters under its roof. It might be expected, then, that these diverse characters occupy their time with diverse activities. If a bank is to operate as a happy household, it is important that all the members of that household get along with each other. It also would be nice if their various activities work in harmony, or at least don’t work against each other. Like so many good intentions, this is easier said than done. In most community banks, it ȱȱȱȱ¢ȱĴȱ (ALCO) to ensure that the disparate activities of lending, investing and funding are all working together. Sometimes the magic works, and sometimes it doesn’t. During those times when there is an element of discord in the house, it may have more to do with the nature of the ȱȱ ȱȱĴȂȱ oversight. When loan demand is soft, and the available supply of high-grade borrowers is small, are we going to deny a loan to a creditworthy applicant because the terms requested aren’t exactly consistent ȱȱĴȂȱǵȱ ¢ȱ not. Are we going to discourage a long-time customer from doubling his or money market deposit account (MMDA) balance when what we really need are 30-month CDs? Probably not. So, to a degree, the complexion and the characteristics of a community bank’s balance sheet are in the hands of others. Those others would be your customers, who probably are not overly concerned with the challenges you face in running the bank. Why Can’t We All Just Get Along? Fortunately, there’s one element on the balance sheet in which your customers play no role in building. The investment portfolio is yours alone to administer and, if handled ě¢ǰȱȱȱȱȱ for those borrowers and depositors whose preferences and desires may not be consistent with management’s ȱǯȱ ȱȱě¢ǰȱ however, the imbalances resulting ȱěȱȱȱ customers may become more pronounced. Put another way, an unbridled quest for yield alone could potentially worsen a bad situation. If a portfolio ȱȱ ȱęȱȱ with housemates, he or she may become exiled to the garage. While the consideration of returns is certainly part of the mix, management should contemplate other characteristics, such as liquidity, average life, duration and ȱĚ ǯȱ ȱȱȱȱȱ maintenance of stable, predictable ȱĚ ȱ¢ȱ¢ȱ ȱȱȱ community banker’s best defense against interest-rate risk. It follows, then, that the securities that are contained within the portfolio must behave themselves; that they act like they are supposed to and not subject the rest of the household to mutinous behavior. No teenage truculence allowed. Straighten Up and Fly Right! Unfortunately, some securities, not unlike brain-addled adolescents, have trouble remembering the rules. This ȱȱ¢ȱęȱ concern when confronted with a volatile interest-rate environment. Portfolio managers who chased the Your Bond Portfolio Does Not Live Alone яќѢѡȱѡѕђȱ Ѣѡѕќџ Lester F. Murray joined The Baker Group in 1986 and currently serves as a senior vice president within ȱęȂȱęȱȱǰȱȱ- nity banks develop and implement investment and A/L management strategies. He is a frequent speaker at investment conferences and educational seminars. Prior to joining Baker, Murray worked at two broker/ dealer banks in Oklahoma City and also was an assistant national bank examiner. He is a graduate of Oklahoma State University. For more information, ȱ ȱ ¢ȱȱŞŖŖȬşřŝȬŘŘśŝǰȱDZȱȓ gobaker.com. The Baker Group is a Diamond Associate Member of the Indiana Bankers Association and an IBA Preferred Service Provider.
Winning the Performance Challenge Member: FINRA and SIPC www.GoBaker.com Oklahoma City, OK | Austin, TX | Birmingham, AL | Indianapolis, IN | Salt Lake City, UT | Springfield, IL | 800.937.2257 *The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc. For 35 years, The Baker Group has helped community financial institutions steer through unpredictable economic environments with the use of robust tools and resources for interest rate risk and investment portfolio management. Moving through 2014, we must set our focus on strategies that raise our performance and meet new challenges. Our task is to help financial institutions develop effective processes and strategies for optimal performance in any environment. Our proven approach of total resource integration utilizing software and products developed by Baker’s Software Solutions* — combined with our solid investment experience and advice — makes us the investment firm of choice for financial institutions. When facing the challenge of an uncertain environment, The Baker Group can help you win the performance challenge. Asset/Liability Management for High Performance Evaluate Earnings and Capital at Risk Simulate Stressed Rate Scenarios Analyze Risk Management Strategies High Performance Investment Strategies Develop Quarterly Strategies Determine Optimal Relative Value Manage Risk vs. Reward Tradeoff Education for High Performance Tailored Board Education Webinars for ALCO Interest Rate Risk Seminars To find out how The Baker Group can assist your institution in defining and meeting its financial objectives, call your Baker representative or Ryan Hayhurst at 800.937.2257.
20 HќќѠіђџȱ юћјђџ юѦȱ2014 Continued from page 18. marginally higher yields of longterm, callable agency debentures are now facing the unpleasant realization that call options don’t always get exercised. They have put themselves in the awkward position of having to explain to the rest of the household ȱȱȱȱȱĚ ȱȱ ȱ supposed to be coming in may not be here for a while … like maybe 10 years. Oh, yeah, and duration has now quadrupled, and our heretofore modest economic value of equity ǻ Ǽȱ¢ȱȱȱȱĴȱ excessive … like policy-breaching excessive. Oops! The list of potential bad actors also includes certain kinds of mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs), the pre-payment characteristics of which have become drastically altered by rising mortgage rates. While space does not allow for a thorough discussion of the universe of mortgage-backed securities, portfolio managers should remember that not all MBS are created equal, and doing one’s homework regarding the characteristics of the underlying loans can go a long way toward ȱȱȱěȱȱ ¡ȱȬĚ ȱ¢ȱȱ the resulting risks to average life extension or contraction. The investment portfolio, when managed properly, can be your best friend as you try to satisfy the needs and requirements of unintentionally uncooperative customers, while at the same time managing the interest-rate ȱęȱȱȱȱǯȱ ȱ if investment decisions and security selections are carried out as if in a vacuum, your bank’s road to domes- ȱȱȱȱȱĴȱ¢ǯȱȱȱ Nancy Bicknese, iAB Financial Bank, FortWayne, has been recognized for 25 years of service with the bank, which she joined in 1989 at ȱ ȱĜȱȱȱȱ service representative. She since has served in several capacities, including supervisor in accounts management. Bicknese currently works in the customer service call center. She has been in banking for more than 45 years and is a member of the Indiana Bankers Association Forty Year Club. Tracy Jones, vice president, controller of West End Bank, SB, Richmond, has completed 20 years of service. ANNIVERSARY MILESTONES $ VDOXWH WR EDQNHUV ZLWK years of service Consultants to the Financial Industry Young & Associates, Inc. Liquidity Planning Strategic Planning Regulatory Assistance Stock Valuations Capital Markets Expansion & De Novo Bank Charters Internal Audit Information Technology Recruitment & Human Resources Lending & Loan Review Compliance Policy Development Serving Community Banks Since 1978
Streamlined Compliant Lending from Origination and Processing to Closing In the midst of constant regulatory change, one thing remains stable — LaserPro®, D+H’s industry-leading compliance solution supported by a 50-state Network Counsel and used by more than 3,000 financial institutions nationwide. For more than 25 years, LaserPro has provided lenders with the latest technology and the flexibility to produce compliant loan documentation for a wide variety of loan types. LaserPro is a streamlined compliant lending solution that supports origination and processing through closing for consumer, mortgage and commercial loans. ©2014 D+H USA Corporation. All Rights Reserved. LaserPro is a registered trademark of D+H USA Corporation. D+H is a trademark of D+H Limited Partnership. dh.com/streamline17 800-815-5592
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