4 azbankers.org Paul Hickman CEO & President Steven Killian Director of Government Relations Kerensa Williams Chief Operating Officer William Ridenour General Counsel 111 West Monroe, Suite 440 Phoenix, Arizona 85003 Phone: (602) 258-1200 2022 AZBA BOARD OF DIRECTORS AND STAFF AZBA STAFF INTHIS ISSUE @2022 Arizona Banker Association (AzBA) |The newsLINKGroup, LLC. All rights reserved. The Arizona Banker is published four times each year by The newsLINKGroup, LLC for AzBA and is the official publication for the association. The information contained in this publication is intended toprovidegeneral information for reviewand consideration. The contents donot constitute legal advice and shouldnot be reliedonas such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the association, its board of directors, or the publisher. Likewise, the appearance of advertisementswithin this publication does not constitute an endorsement or recommendationof anyproduct or service advertised. TheArizonaBanker is a collectivework, andas such, some articles are submittedby authorswhoare independent of AzBA.WhileAzBAand thenewsLINKGroup encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact The newsLINK Group at 855-747-4003. EXECUTIVE COMMITTEE Jack Barry Immediate Past Chairman Enterprise Bank & Trust Brian Schwallie Chairman U.S. Bank Scott Vanderpool Chairman-Elect Bank of America Don Garner Vice Chairman & Secretary Western Alliance Bank Bo Hughes Treasurer Canyon Community Bank DIRECTORS Bill Callahan Arizona Bank & Trust Neal Crapo Wells Fargo Kevin Cutter Pacific Premier Bank Wayne Gale 1st Bank Yuma Joel Johnson FirstBank Kyle Kennedy Bell Bank Dave Matthews Bank 34 Brad Parker PNC Bank Dave Ralston BOK Financial Steve Richins Comerica Bank Tyson Rigby JPMorgan Chase Brian Riley Foothills Bank Brian Ruisinger Republic Bank of Arizona Dina Ryan Citigroup Patrick Strieck BMO Harris Bank Ralph Tapscott Horizon Community Bank Chris Webster Commerce Bank of Arizona Mark Young National Bank of Arizona 6 2022 Shaping Up To Be an Extraordinary Year for Banking In Arizona 10 Under the Copper Dome 2022 Session Kick-Off 12 Five Signs Your Business Is Ready To Grow 14 Will Community Banks Have Enough Reserves For CECL? 16 New To Investing? Don’t Forget To Diversify 18 Are You Leveraging the Many Benefits of eNotes? 20 Watching Out for Your Customers 22 Primax Payments Pulse: Consumer Spending Strong through the Extended Holiday Shopping Season Michal Plavecky Executive Administrator
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