Pub. 8 2020 Issue 4

21 The Community Banker The Division is, as always, keep- ing a close eye on asset quality at our banks. Our Montana bankers spent significant time in 2020 working with the customers to make loan modifications in a time of financial strain in the economy. While loan quality has remained satisfactory and government programs have provided tremen- dous support to many industries, there continues to be concern that 2021 will see increased business bankruptcies or closings that will strain loan portfolios. Mostly though, I have been so impressed with the dedica- tion, resilience and energy you and all of your teams brought to the debacle that was 2020. We have worked to stay in close contact with all of you and have appreciated your willingness to engage with us about everything from foreclosures, to lending programs, to daily operations. We look forward to continued communication and partnership in 2021 and are hopeful it will be less eventful and significantly less stressful than 2020. Call me at 406.850.3790 Based out of Billings, Mont. serving Montana, Wyoming and Idaho Commercial & ag participation loans Bank stock & ownership loans Bank building financing Business & personal loans for bankers Craig McCandless Together, let ’s make it happen. Member FDIC 28934 We do not reparticipate any loans. Leverage our large lending capacity, up to $20 million on correspondent loans. Our lending limits are high enough to accommodate what you need, when you need it. Why choose Bell as your bank’s lending partner? 28934 AD Community Bankers Association of Montana 2021_Craig_V1.indd 1 1/6/21 3:47 PM