6 ©2023 The Nebraska Independent Community Bankers are proud to present The Nebraska Independent Banker as a benefit of membership in the association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of Nebraska Independent Community Bankers or its publisher, The newsLINK Group, LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group, LLC. Nebraska Independent Community Bankers 1001 S. 70 Street, Ste. 101 Lincoln, NE 68510 (402) 474-4662 nicbonline.com The Nebraska Independent Banker is a Publication of The Nebraska Independent Community Bankers Association Issue 6 • 2023 INSIDE TAKE A LOOK 10 22 NICB Executive Committee Chairman Rick Heckenlively Points West Community Bank Sidney Chairman Elect Dave Ochsner Commercial Bank Nelson Vice Chairman Jim Niemeier Citizens State Bank Friend President/CEO Dexter Schrodt Secretary Kelly Lenners First State Bank Nebraska Pickrell Treasurer Arnold Lowell CerescoBank Ceresco Immediate Past Chairman Corby Schweers Elkhorn Valley Bank Wayne 4 President’s Message Navigating the Year-End Waters By Dexter Schrodt, President and CEO, NICB 6 Flourish Cryptocurrency: A Solution Without a Problem By Rebeca Romero Rainey, President and CEO, ICBA 8 Surviving Versus Thriving in Today’s Market By DCI 10 Mortgage Mélange Volatile Rates Create a Cornucopia of Options By Jim Reber, President and CEO, ICBA Securities 13 2024 IT Budgeting Guide Where to Allocate Your Bank’s Resources By Mike Gilmore, Chief Compliance Officer, RESULTS Technology 17 Training: The Foundation of Effective Compliance By William J. Showalter, CRCM, CRP, Senior Consultant; Young & Associates, Inc.; Kent, Ohio 22 AI in Lending Decisioning and Unintended Discrimination By Shelli J. Clarkston, Spencer Fane, LLP 24 NICB Endorsed Partners 24 Associate Members 2023 26 Bank Training Webinars
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