Pub. 1 2021 Issue 1

February 2021 | 1 INSIDE THIS ISSUE 06 22 29 32 Published for the Missouri Independent Bankers Association P.O. Box 1765 Jefferson City, MO 65102 573.636.2751 | miba.net Matthew S. Ruge Executive Director Hannah Ruge Executive Assistant ©2021 The Missouri Independent Bankers Association | The newsLINK Group, LLC. All rights reserved. The Show-Me Banker Magazine is published six times a year by The newsLINK Group, LLC for The Missouri Indepen- dent Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of The Missouri Independent Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertise- ments within this publication does not constitute an en- dorsement or recommendation of any product or service advertised. The Show-Me Banker Magazine is a collective work, and as such, some articles are submitted by authors who are independent of The Missouri Independent Bank- ers Association. While The Missouri Independent Bankers Association 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 publisher at 855.747.4003. MADE IN THE USA 02. From the President: Securities 03. From the Top: The Unequivocal and Undiluted Voice for Community Banks 04. Flourish: Welcome 06. Legal Eagle Spotlight 07. Annual MIBA Scholarship Awards 08. MIBA Lobbying Report 08. New Members 09. 2020 MIBA PAC Honor Roll 10. Meet Your Missouri Banker 12. News From You 14. In Memoriam John Waller, Jr. 15. Commercial Lending Academy 16. A Background on ... Keeping Balance and Perspective 18. Community Bankers Play a Vital Role in America’s Pandemic Response 20. Developing a Digital Banking Strategy to Serve Customers and Mitigate Risk 22. Questions to Answers 24. Community Bankers for Compliance 26. Recent Changes to Exempt Securities Offerings 29. BOLI in a COVID-19 Environment 30. Trend Watch: The Future State of Lending in 2021 32. Preparing for the Worst Lets You Hope for the Best 35. Thank You 36. Dates and Events