Contents FALL 2022 24 2022 MIB BOARD OF DIRECTORS Mark Anderson Farmers State Bank, Victor Tom Christnacht First Security Bank of Deer Lodge Laura Clark Opportunity Bank, Helena Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Clinton Gerst Bank of Bozeman, Bozeman Brice Kluth First State Bank of Shelby Kenny Martin First Montana Bank, Helena Scott Mizner American Bank, Bozeman Mike Moore Stockmens Bank, Cascade Joel Rosenberg Three Rivers Bank of Montana, Kalispell Phil Willett Pioneer Federal Savings and Loan, Dillon Tim Schreiber, President Farmers State Bank tims@farmersebank.com Adam McQuiston, Vice President First Montana Bank, Missoula amcquiston@firstmontanabank.com Loren Brown, Secretary Ascent Bank, Helena lbrown@ascentbank.com Amber Brown, Treasurer Peoples Bank of Deer Lodge abrown@pbdl.net Andrew West, Immediate Past President Eagle Bank, Polson awest@eaglebankmt.com Pete Johnson, ICBA State Director Opportunity Bank, Helena pjohnson@oppbank.com Jim Brown Executive Director Montana Independent Bankers jbrown@mibonline.org MIB STAFF 2022 MIB EXECUTIVE OFFICERS ©2022 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, 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 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. The Community Banker is a collective work, and as such, some articles are submitted by authors who 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. For further information, please contact the publisher at 855.747.4003. 406.449.7444 jbrown@mibonline.org mibonline.org Montana Independent Bankers 1812 11th Ave P.O. Box 4893 Helena, MT 59604-4893 The Community Banker 1 2 President’s Message 4 Executive Director’s Message 6 Getting to Know Our New MIB President Tim Schreiber 8 From the Top 9 Flourish 10 Compliance Q&A: Fall 2022 12 Featured Associate: Community Bankers Webinar Network 13 Price Pullback Prospects 15 Is Your Bank Ready for a Ransomware Demand? 17 Thank a Bank 18 Why Community Banks Should Offer Equipment Leasing 20 Expanding Fair Banking Enforcement 24 Why Being Kind at Work Matters 26 A Conversation with Linda Cohen The Kindness Catalyst 28 University of Montana Tailgate Party 30 2022 MIB Membership Directory 31 MIB Associate Member Resource Guide 33 Upcoming Webinars 13 4
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