(406) 604-4540 NeighborWorks Montana and our network of partners across the state provide homebuyer education and counseling, creating successful, mortgage-ready homebuyers. Reach out today to find out how we can help your buyers be the most successful homebuyers possible! nwmt.org info@nwmt.org Member FDIC 38368 Whether your loan is large or small, get faster turnaround from our experienced correspondent team. Whatever Loan Amount You’re Looking For, We Can Help. Partner with Bell for: • Purchase and selling of participation loans • Bank stock and ownership loans • Holding company loans and lines of credit • Reg. O loans to bank employees, insiders or directors Craig McCandless Call me at 406.850.3790 Based in Billings, Mont. Serving, Montana, Wyoming and Idaho Among the provisions set forth in that bill is a provision to repeal the State Banking Board. As the legislative process moves forward, we here at MIB are interested in hearing directly from you as to legislation the Association should or should not support on your bank’s behalf. And the Association will be keeping the membership abreast of legislative developments on a weekly to a biweekly schedule. Legislative updates can be found on the MIB website under the Advocacy link. Setting public policy matters aside, in late 2022, the OCC released its semiannual risk perspective. As an informative read, the perspective provided an overview of the multitude of issues facing banks across the country, including Montana. Among the key issues identified in the report, higher interest rates are expected to slow economic growth in 2023, banks are expected to remain well capitalized with ample liquidity and sound credit quality, bank portfolios will continue to experience challenges in a rising rate environment, and residential home sales will decline. Time will tell if the OCC’s projections prove correct. In keeping with the theme of looking forward, the Association hopes the following events get your attention in 2023. In this coming year, the Association will be hosting two live education conferences, the Popular Women in Banking Conference, as well as the Ag Lending Conference. Further, the Association will be hosting its annual convention and tradeshow at beautiful Big Sky Resort in late July. The annual Montana reception will be held inMarch in Hawaii at the ICBA National Convention. Further, the Association encourages you to attend our MSU and U of M football tailgate events in the fall. And, of course, the Association will be offering its valuable Community Bankers for Compliance Program once again. We urge you to take advantage of these great member benefit programs. In closing, let me take the opportunity to wish you a prosperous 2023. MIB’s staff hope this year is the best year yet for your bank and for your employees. And, as we do every year, the Association thanks you for your membership with MIB and we look forward to seeing you in person in the coming year. The Community Banker 7
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