© 2023 Virginia Association of Community Banks | The newsLINK Group, LLC. All rights reserved. The Community Banker is published four times each year by The newsLINK Group, LLC for the Virginia Association of Community Banks and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. 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 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 Virginia Association of Community Banks, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Virginia Association of Community Banks. While The Community Banker 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. CONTENTS 11 20 VACB Board of Directors CHAIR Jay A. Stafford Benchmark Community Bank Kenbridge CHAIR-ELECT Tara Y. Harrison Virginia National Bank Charlottesville VICE CHAIR Joseph R. Witt, CPA The Old Point National Bank Hampton IMMEDIATE PAST CHAIRMAN Dennis A. Dysart First Bank Strasburg ICBA VIRGINIA DELEGATE Mark Hanna F&M Bank Timberville PRESIDENT & CEO Steven C. Yeakel, CAE VACB Richmond VACB STAFF Katharine C. Garner, CMP Vice President Education & Communications Kelli C. Mallinger Member Services Administrator VACB DIRECTORS CLASS OF 2023 J. Steven Grist CornerStone Bank Lexington James E. Hendricks Village Bank Midlothian Lisa E. Kilgour MainStreet Bank Fairfax Paul M. Mylum National Bank Roanoke Thomas L. Rasey, Jr. The Farmers Bank of Appomattox Appomattox CLASS OF 2024 Chris Snodgrass The Bank of Marion Marion Blake M. Edwards, Jr. Skyline National Bank Independence CLASS OF 2025 Dabney T.P. Gilliam, Jr. The Bank of Charlotte County Phoenix 4 PRESIDENT’S COLUMN Collaboration in Education: Moving in the Right Direction 5 CHAIRMAN’S MESSAGE Moving the VACB Forward in 2023 7 DISCUSSING COMMUNITY BANKS AND BANKERS HELPING BANKERS With Matthew Smith 11 SAVING COMMUNITY BANKS Cooperation and Planned Succession 14 WINDOWS 11 VS. WINDOWS 10 Should You Make the Switch? 16 REGULATORS SHOULD RETHINK CLIMATE PROPOSALS TO ELIMINATE COMMUNITY BANK IMPACT 18 SAVE THE DATE VACB 46th Annual Convention & Trade Show 20 SIX STRATEGIES TO NAVIGATE CREDIT STRESS 22 SAVE THE DATE VACB 23rd Annual Golf Tournament
RkJQdWJsaXNoZXIy MTg3NDExNQ==