Pub. 9 2020 Issue 4

©2020VirginiaAssociationofCommunityBanks |ThenewsLINKGroup,LLC.Allrightsreserved.TheCommunityBanker ispublishedfourtimeseachyearbyThenewsLINKGroup,LLCfortheVirginiaAssociationofCommunityBanks 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 assuch.Ifyouneed legaladviceorassistance, it isstronglyrecommended thatyoucontactanattorneyas toyourspecificcircumstances.Thestatementsandopinionsexpressed in thispublicationare thoseof the individualauthorsanddonot necessarilyrepresenttheviewsoftheVirginiaAssociationofCommunityBanks, itsboardofdirectors,orthepublisher.Likewise,theappearanceofadvertisementswithinthispublicationdoesnotconstituteanendorsementorrecommenda- tionofanyproductorserviceadvertised.TheCommunityBanker isacollectivework,andassuch,somearticlesaresubmittedbyauthorswhoare independentoftheVirginiaAssociationofCommunityBanks.WhileTheCommunityBanker 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,pleasecontactthepublisherat855-747-4003. 8 14 12 10 CHAIR J. Michael Thomas Select Bank Lynchburg CHAIR-ELECT Dennis A. Dysart First Bank Strasburg VICE CHAIR Jay A. Stafford Benchmark Community Bank Kenbridge IMMEDIATE PAST CHAIRMAN Lloyd B. Harrison, III Virginia Partners Bank Fredericksburg ICBA VIRGINIA DELEGATE Mark Hanna F&M Bank Timberville PRESIDENT AND CEO Steven C. Yeakel, CAE VACB Richmond VACB DIRECTORS CLASS OF 2022 Dabney T.P. Gilliam, Jr. The Bank of Charlotte County Phenix Tara Y. Harrison Virginia National Bank Charlottesville Bryan P. Thompson Highlands Community Bank Covington Joseph R. Witt The Old Point National Bank Hampton 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 VACB STAFF Katharine C. Garner, CMP Vice President Education and Communications Kelli C. Mallinger Member Services Administrator VACB EXECUTIVE COMMITTEE 6 Chairman’s Message 7 President’s Message 8 A Convention Like No Other 10 Things You Never Thought You’d Say: COVID-19 Has Created a Lot of First-Ever Conversations 12 Navigating the Pandemic — Where To From Here? 14 Problem Loan Identification 16 Thank you, Convention Sponsors! 17 Meet Your New Leadership Things You Never Thought You’d Say C O N T E N T S