29 Hoosier Banker September 2014 Horizon Bank, Michigan City Marty Hickey has been promoted to trust officer. She has four years of banking experience, with a background in insurance. Hickey earned a bachelor’s degree from St. Mary’s College. Debra K. Pedzinksi has been promoted to vice president, mortgage lending. She has 29 years of banking experience. Pedzinksi serves as president of the Michigan City High School parent group and is active with Queen of All Saints Catholic Church. She earned a bachelor’s degree from Indiana University. Salin Bank andTrust Company, Indianapolis Michael Davis has joined the bank as vice president, mortgage consultant. He has 15 years of banking experience, including 10 years at BMO Financial Group, serving as regional retail sales manager and community market president. Davis began his banking career as a teller with First National Bank & Trust and served in various branch positions, as well as mortgage loan assistant in the Indianapolis, Carmel and Noblesville markets. In the banking community, he was honored as the 2011 BMO Harris Select Award Winner; outside of banking, he has completed multiple musical performances at Carnegie Hall and with Grand Ole Opry stars. Davis serves as assistant artistic director for the Indianapolis Symphonic Choir and as director of music for First Presbyterian Church of Noblesville. He earned a Ph.D. from Ball State University. Shelley Mulconrey has been promoted to assistant vice president, trust officer. She has 25 years of banking experience and previously served as vice president at an investment firm and as managing director at a financial institution. Mulconrey serves as board member for the Save the Dunes. She earned a bachelor’s degree from The Ohio State Consultants to the Financial Industry Young & Associates, Inc. Assess the impact of this potential risk using our Non-Maturity Deposit Risk Model $149 Guiding Financial Institutions For Over 35 Years • Independent Interest Rate Risk Reviews • Liquidity Planning • Strategic Planning • Capital Planning Why the Emphasis On IRR? Nearly all community banks have seen a shift in the deposit mix toward non-maturity deposit balances. When interest rates rise and the spread between non-maturity deposits and certificates of deposits widen, many will see a shift back into certificates at a higher cost to the bank. University and a master’s degree from the University of Chicago. Taylor Burkholder has been promoted to assistant vice president, branch administration coordinator. She has 12 years of banking experience, with more than 10 years in management. Donna Enrico has been promoted to assistant vice president, deposit operations officer. She has more than 30 years of banking experience.
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