CONTENTS Issue 4 | cbak.com © 2022 Community Bankers Association of Kansas | The newsLINK Group, LLC. All rights reserved. In Touch is published six times each year by The newsLINK Group, LLC for the Community Bankers Association of Kansas and is the of f icial publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. 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 circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Community Bankers Association of Kansas, 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 Bankers Association of Kansas is a collective work, and as such, some articles are submitted by authors who are independent of the Community Bankers Association of Kansas. While In Touch 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. For further information, please contact the publisher at 855.747.4003. Irv Mitchell Chairman Wilson State Bank Joe Rottinghaus Chairman-Elect Conway Bank Tom Pruitt Secretary/Treasurer Peoples Bank & Trust Company DIRECTORS Josh Bailey Security State Bank Cheri Fahrbach First National Bank of Hutchinson Brandon Lee Union State Bank Jack Rowden Citizens State Bank Kent Culbertson First National Bank and Trust Melisa Sorenson Legacy Bank Margaret Nightengale Grant County Bank Jim Wayman ESB Financial STATE ICBA DIRECTORS Tanner Johnson Swedish-American Bank Shawn Mitchell President and CEO shawn@cbak.com Nikki Dohrman Senior Vice President/ Executive Director nikki@cbak.com Yvonna Hansen Vice President of Member Services yvonna@cbak.com Stuart Little Little Government Relations, LLC CBA STAFF 2022 CBA OFFICERS AND DIRECTORS IN EVERY ISSUE: 18 ANNIVERSARIES 19 UPCOMING WEBINARS 20 PRODUCTS AND SERVICES REFERENCE LIST 6 FLOURISH By Rebecca Romero, ICBA 8 UP WITH COUPONS LARGER INTEREST PAYMENTS CAN BUILD A FLOOR UNDER YOUR BOND PRICES By Jim Reber, ICBA Securities 10 LENDER SEES KANSAS HOMEOWNER ASSISTANCE FUND HELP ITS CUSTOMERS “A BLESSING” FOR LOW-INCOME HOMEOWNERS By Kansas Housing Resources Corporation 14 ADVICE TO BANK LEADERS: DON’T BE REACTIVE ON CREDIT QUALITY BANKS HAVE FOUR KEY REASONS TO BE MORE VIGILANT IN 2022 AND THE NEXT COUPLE OF YEARS By David Ruffin, Principal, IntelliCredit™, A Division of QwickRate 16 CITIZENS BANK OF KANSAS SENDS KIDS TO SPACE By Luke Larson and Chad Gilbert, The Trust Company of Kansas
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