Pub. 1 2021 Issue 6

December 2021 | 15 earned, and you get respect by giving it. Keep your mind open and always entertain other people’s thoughts and ideas. They may have ideas or suggestions you hadn’t thought of about how to do things. 2. Be patient and learn all aspects of banking you can. Graduating from college doesn’t mean you know everything about banking. Just try to learn as much as you can about all aspects of the bank, from working as a teller to working in the credit department, loan review, or working on financial investments, which is what I am doing now. 3. Teamwork is a huge thing, so be a good teammate. You will be more successful. Teams can accomplish great things that would be harder to do as an individual. Kyle sees several benefits of MIBA membership. The biggest benefit is the advocacy it gives members. “We have a united voice in Jefferson City when we take on important issues. That unity makes a great difference when we have a goal that we are wanting to accomplish,” he said. MIBA is also important because of networking opportunities. “At the annual convention, you meet a lot of bankers dealing with the same issues. We act as sounding boards for each other. We talk together about our communities and the economy as a whole, and we pick each other’s brains for ideas about how to accomplish certain things,” he said. “Another valuable benefit in networking is loan participations. We can get other banks to participate in a loan when it is too big for one bank to handle. The customers don’t have to go to the big banks to get the financial help they need, and they can continue to do their banking within our communities. Networking goes back to the team aspect of banking. You become one big teamworking together on goals we all want.” Kyle thinks the pandemic will have a continuing impact on banking. He said, “We had to use all our resources when the economy shut down, and the process caused us to look at the traditional banking model differently. As a result, traditional banking is not the gold standard anymore. We closed the lobby to keep everyone safe, put technology from the last few years to use, and still served our customers. For example, customers don’t have to sit across a desk to give us a signature anymore. They can e-sign instead. Our lobbies are open again, but we found new and different ways to do things. We are more efficient now.” MIBA asked Kyle about what he does in his spare time. He said, “My wife and I have two children, so a lot of our time is spent with them as they go off to college and get their own start in life. We also like to hang out with friends and extended family. My wife and I do like to travel and take vacations to various parts of the United States. However, it never fails; every time we come home, we do realize how beautiful it is right where we live here in New Haven, Missouri. Some of my hobbies are hunting, fishing, and golfing.” Kyle does not have a favorite book. He said, “My wife, who teaches fourth grade, reads more books than I do typically. I read the daily newspaper, and I really enjoy reading the sports page on Sunday morning in peace and quiet. I also like to read industry articles about how to improve the bank, whether it be about NIM, Efficiency Ratio, Investing or ALM.” He does have a favorite quote. “Thomas Paine said, ‘Lead me, followme, or get out of the way.’ General George S. Patton Jr. said the same thing, just less politely. I like the teamwork aspect of that quote. It’s about taking action and getting things done.” When asked about his current bank, Peoples Savings Bank, he said, “We are a medium-sized community bank with $435 million in assets. The original 1935 charter was in Rhineland, Missouri, and it served farmers of the Rhineland Bottoms. The Great Flood of 1992 in Rhineland caused us to move our facility out of the bottoms. It also allowed us to look at moving the headquarters right across the Missouri river to Hermann, Missouri, which we did in 1995. Hermann is beautiful with its rolling hills, plus it’s wine country, and tourism is the largest industry. We are currently involved in 11 communities, from very rural ones to some larger communities, such as the St. Charles, Missouri, region. All our banks are very active in the communities in which they are located. In December 2020, we bought Clifford Bancshares Company (CBC) and added its four branches.” ■ Family Kyle, Tiffany, Logan and Olivia Logan and Olivia My wife and I do like to travel and take vacations to various parts of the United States.