9 ©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 2 • 2024 TAKE A LOOK INSIDE 12 19 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 Embracing Renewal: A Springtime Perspective By Dexter Schrodt, President and CEO, NICB 6 FLOURISH Putting the Person in Personalized Marketing By Rebeca Romero Rainey, President and CEO, ICBA 8 We Want to Feature You in Our Next Issue of The Nebraska Independent Banker! 9 Hold On! Bank Loan Quality Doesn’t Align with Wall Street Metrics By David Ruffin, Principal of IntelliCredit, a Division of QwickRate 12 3 ALCO Strategies To Manage Risk and Maximize Profitability By Dave Koch, Abrigo 14 Checks & Balances SVB: One Year Later By Anne Balcer, Senior Executive Vice President, Chief of Government Relations and Public Policy, ICBA 17 Recession Proofing How To Benefit From a Lull in the Economy By Jim Reber, President and CEO, ICBA Securities 19 The Power of Inquiry Leadership Success Through Asking Questions By Connie West, Gallup Certified Strengths Coach, Regional Vice President, The James Paul Group 21 NICB Endorsed Partners 21 Associate Members 2024 22 April Bank Training Webinars
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