4 ©2024 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, Suite 101 Lincoln, NE 68510 (402) 474-4662 nicbonline.com The Nebraska Independent Banker is a Publication of The Nebraska Independent Community Bankers Association Issue 1 • 2024 INSIDE TAKE A LOOK 12 14 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 Legislative Preview By Dexter Schrodt, President and CEO, NICB 6 FLOURISH Continuing the Climb for Our Communities By Rebeca Romero Rainey, President and CEO, ICBA 8 HMDA & CRA Adjustments Are Here By William J. Showalter, CRCM, Senior Consultant, Young & Associates Inc. 11 2024 ICBA Live 12 INNOVATION STATION The Powerful Role of Data in Community Bank Innovation By Charles E. Potts, Executive Vice President and Chief Innovation Officer, ICBA 14 Spread the Wealth Some Bond Sectors Performed Better Than Others in 2023 By Jim Reber, President and CEO, ICBA Securities 16 We Want to Feature You in Our Next Issue of The Nebraska Independent Banker! 17 IRS Issues Proposed Long-Term, Part‑Time Regulations By Ascensus 21 NICB Endorsed Partners 21 Associate Members 2024 22 February Bank Webinars
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