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FDICBANKERS COLLEGEPg. 10

CBI HOSTS THE 2015

Peer Connection ForumPg. 11

NEW CBI EVENT!

APRIL ISCommunityBankingMonth Pgs. 6-8

POSTER CONTESTPg. 4

Money Smart Week

Scholarship ProgramPg. 4

Leaders of Tomorrow

Community BankingSummits

REGISTER NOW!

Pg. 9

2 COMMUNITY BANKER UPDATE | MARCH 2015

Want To AttendA Webinar?

View a complete calendar andregister for CBI-sponsored webinarsand events at www.cbiaonline.org

or Call Us at 515.453.1495for more information.

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MARCH 2015 WEBINAR LINE-UP

March 3 IRA Series: Traditional & Roth IRA Fundamentals & Compliance Considerations

March 4 Qualifying Borrowers Using Personal Tax Returns Part 2: Income from Rentals, Royalties, Partnerships, S Corporations & Farms

March 5 Free Checking Trends in Today’s Market: Feasibility, Regulations &Benefits

March 10 Director Series: Update on Capital Planning, Contingency & Basel III for the Board

March 12 Legally Handling ATM & Debit Card Claims Under Regulation E

March 17 Flood Insurance Compliance Review & Update: Including Changes Effective April 1, 2015

March 19 Real Estate Valuations – Current Issues & Best Practices

March 24 The TILA/RESPA Integrated Disclosure Line-by-Line Part 1: Loan Estimate

March 25 Call Report Revisions & Update: Including an Overview of Basel III Regulatory Capital Changes to Schedule RC-R

March 26 Social Media Content Strategies for Visibility & Positioning of Your Bank Online

March 31 New Accounts Series: Opening Trust Accounts: Compliance, Documentation, Signing Authority & Deposit Insurance Issues

COMMUNITY BANKER UPDATE | MARCH 2015 3ICBA_7347_WPS_H_Page Island.indd 1 12/9/14 4:27 PM

Community Bankers of Iowa1603 22nd Street, Suite 102

West Des Moines, Iowa 50266Phone: 515.453.1495

In This IssueMarch 2015 Webinar Lineup ............. 2From the EVP & CEO ......................... 3MSW Poster Contest ......................... 4 LOT Scholarship Program ................. 4LOT Leadership DevelopmentConference ........................................ 5Community Banking Month ........... 6-8Spring Banking Summits .................. 9CBI Hosts FDIC Bankers College .... 10 NEW: Peer Connection Forum ........11From the Top ....................................12Fine Points .......................................13Years in the Making ........................ 14Member News ................................. 15 Rural Mainstreet Survey ........... 16-18Save the Date:44th Annual Convention .................18

Let 2015 Be YOUR YearThe CBI staff has been hard at work this winter preparing for 2015, one of our busiest years ever! We have just completed a total core conversion of our database which now includes our brand new website with increased functionality and content. Later this spring, you will receive a member login that will allow you access to improved member support and information, as well as prepopulating your registrations with your information, allowing you to pay for registrations at the time and many other features.

Our educational webinar series continues with 20 or more subjects covered each month, including the ability to capture the information to share with others in your bank. The number of banks using these webinars reached an all time high in January 2015.

Plans are nearly complete for our 44th Management Conference and Annual Convention on July 15-17 in Okoboji, so mark your calendars for the largest exclusive gathering of community bankers in Iowa. We have great national quality speakers that will appeal to all, so don’t miss it!

We have been to the Iowa legislature twice already with your Board of Directors and our Leaders of Tomorrow group, in addition to daily attention by our dedicated lobbyist and former chief of staff for the Governor, Jeff Boeyink.

We have planned our Spring Community Banking Summits in Waterloo and Riverside on April 1 and 2 with quality speakers and networking opportunities in a convenient late day format. Come join us.

We are also pleased to be hosting the FDIC Bankers College in West Des Moines on May 5. Many bankers have already signed up for that session and it looks to beaverybeneficialsessionforallcommunitybankers.

Also please notice the change and save the date for the 8th Annual CBI Open Golf outing on August 11, this year at the Hyperion Field Club.

Wealsohaveover20preferredpartnersprovidingsavingsandbenefitstoourmemberbanks,includingtheonlyIowa-basedofficesupplyandpromotionalitems discount program with Storey Kenworthy.

And last but not least, we are always looking for bankers like you who would be willing to spend a little of their time giving back to their industry, be it serving as a director, committee member or chair, or just an active attendee at CBI events.

Why not make 2015 your year of activity participation and commitment with CBI?

4 COMMUNITY BANKER UPDATE | MARCH 2015

The Leaders of Tomorrow (LOT) is a program created by the Community Bankers of Iowa (CBI) to enhance the growth, leadership, and networking skills of future banking leaders. LOT establishes a network of leaders who serve and strengthen their communities and advocate for the community banking industry. LOT also encourages the leadership development of the next generation of community bankers by annually presenting two scholarships to deserving high school seniors. Starting this year, LOT has raised the scholarship awards to $1,000 each!

Requirements for the scholarship include:• Applicants must work at or have a parent, grandparent,

or guardian who works at a bank that is a member of the Community Bankers of Iowa.

• Write a brief, one-page essay detailing what role community banks play in your hometown.

• Submit a copy of your high school transcript and indicate class rank.

• Provide ACT and/or SAT score(s).• Submit letters of recommendation from three non-relatives.• Include all community or extra-curricular activities.

If you have a child, grandchild, or an employee graduating high school this spring, please encourage them to apply to the LOT Scholarship Program. All applications must be postmarked by April 30, 2015. Visit our website to apply online or download application forms and for more information, or call CBI at 515-453-1495.

Supporting theFuture ofCommunityBanking in Iowa

Want to let others know about the LOT Scholarship Program? Display this poster in your bank!

Download it atwww.cbiaonline.org - find it under Programs> Leaders of Tomorrow> Scholarship Program.

Nominate a Graduating High School Senior for the LOT Scholarship Program

Since 1999, Community Bankers of Iowa has hosted the Money Smart Week Poster Contest as part of Community Banking Month festivities in April and the Money Smart Week campaign hosted by theFederalReserveBankofChicagotoincreasefinancialliteracyamong children. Once again, it’s time to encourage students in your communities to participate.

From now until April 18, students in second through sixth grades may create a poster and return it to their local participating community bank. Poster designs should answer the theme question“Why is it important to know about money?” Three prize places will be awarded: Grand Prize - $500 Certificate of Deposit, 2nd & 3rd Places - each a $200 Certificate of Deposit.

Community banks can participate in sponsoring the Money Smart Week Poster Contest by displaying the poster entries in their banks during Money Smart Week, April 18-25. To assist you in that effort, CBI is again making a Marketing Implementation Kitavailable.Thiskitincludesrulesandguidelinesflyers,displayposters, poster entry labels, a sample press release for local community media, and more. Participating community banks shouldsubmitallposterentriestotheCBIofficeforjudgingbyMay 1, 2015. All poster entries MUST have a completed poster entrylabelaffixedtothebackofthepostertobeeligible.

In 2014, this contest had record-breaking success with over 2,200 entries sent in to CBI be judged. Many of the participating community banks in Iowa held their own local contests in conjunction with Money Smart Week events. Judging categories included creativity, message, and depiction of the theme. This is a great opportunity to get students and families involved with their local community banks.

CBI will announce the 2015 Money Smart Week Poster Contest winners by May 15, 2015. To download marketing materials, visit our website at www.cbiaonline.org -- look for “Money Smart Week Poster Contest” as part of the Community Banking Month menu under the Events tab. Contact Krissy Lee at klee@cbiaonline.org with questions or for further information.

We hope your 2015 Money Smart Week poster contests are a success!

Sponsor the 2015 Money Smart Week Poster Contest at Your BankMarketing Items Available Now

Sponsor the Money Smart Week Poster

Contest in your bank!

Download the marketing kit at

www.cbiaonline.org.

COMMUNITY BANKER UPDATE | MARCH 2015 5

The Leaders of Tomorrow Development Group will hold their 12th Annual Leadership Development Conference on March 26th & 27th, at the Marriott Hotel in downtown Des Moines.

After a group lunch to kick-off the Conference’s activities. attendees will meet with Jim Schipper, Superintendent of Iowa Division of Banking. Following that afternoon are a trio of Breakout Sessions, featuring Ag Business Management, Compliance, and IT Security topics. A networking dinner will also be held Thursday night to give attendees the opportunity to network with other up-and-coming community banking leaders.

The Conference continues on Friday and will feature a special video presentation from ICBA President and CEO Cam Fine. Next, conference participants can attend a Presidents’ Panel including Suku Radia from Bankers Trust in Des Moines, Kevin Halterman from Peoples Bank in Indianola and Josh Guttau from TS Bank in Treynor.

To close the 12th Annual Conference events, keynote speaker Alan Feirer from Group Dynamic Leadership Training will give his presentation “Teamwork and Its 5 Dysfunctions”.

Accommodations are available at the Des Moines Marriott-Downtown hotel. Call Marriott’s general hotel reservation desk at 1-800-514-4681 and ask for the Community Bankers room block.

To register, visit our website at www.cbiaonline.org. Registration fees are $245 for LOT members, $330 for non-members. Register by March 10 and pay only $195! (Discount for LOT members; $245 for non-members.)

Call CBI at 515-453-1495 or e-mail cbia@cbiaonline.org for more information.

Building theNext Generationof CommunityBankingLeadership

LOT’s 12th AnnualLeadershipDevelopmentConference

March 26-27, 2015Marriott Hotel-DowntownDes Moines

Visit www.cbiaonline.org to view the 12th Annual LOT Conference brochure.

Supporting theFuture ofCommunityBanking in Iowa

6 COMMUNITY BANKER UPDATE | MARCH 2015

On Feb. 19, Governor Branstad signed the proclamation declaring April as Community Banking Month, a nationwide celebration recognizing the many contributions community banks make to their customers and communities. CBI encourages our members to embrace Community Banking Month and spread the word about what makes your bank an integral part of your local community. Together, we can focus the public’s attention on the many ways locally owned and managed banks are making positive change happen across Iowa. In 2015, we want all Iowans to know that community banks are “Making A Difference On Main Street!”

Spread the message to your customers, local businesses, and throughout your community. Ideas to help make Community Banking Month a success in your town include:

• Encourage your small business customers to take a picture outside your bank holding an I Bank Locally sign. Use pictures to promote your customer and your bank on your web site.

• Offer an information session for local prospective entrepreneurs who are interested in starting a small business. Outline how community banks like yours have the local expertise to help them get started.

• Recognize Service. Your bank has a vested interest in the local community. Why not honor those people or organizations that make your town a better place to live?

• Tie in new products and services. While you are creating advertising opportunities with Community Banking Month, why not include the introduction of new services or products available to customers?

• Host an open house complete with tours, refreshments, contests and giveaways.

• Invite local schools or scout troops to tour your bank.Make sure to promote the 2015 Money Smart Week Poster Contest during the tours! [See page 4 for more information on the Money Smart Week Poster Contest.]

• Host a charity event. Community banks invest in the community everyday. Sponsoring or co-sponsoring a charitable event is a great way to reach the public and show your commitment to the community.

• Decorate your bank. Celebrate Community Banking Month withposters,flyers,tentcards,andmore,andcallattentionto your celebration. Also consider posting banners in your town center or at other locations to expand your reach.

• Share your bank’s “fascinating facts”. Tell everyone what makes community banks like yours great. Print trivia about your bank or community banking so your customers can see the facts.

There are numerous ways to promote Community Banking Month and make your bank shine throughout April. Find even more resources on our website at www.cbiaonline.org.

Posters [see pg 8] to help support your bank’s promotion of Community Banking Month and the “Go Local” effort are available again this year. Posters are $1 each. “Go Local” window clings are also available for use, at no charge. To order posters or window clings,pleasecontacttheCBIofficeat515.453.1495oremailKrissy Lee at klee@cbiaonline.org.

No matter how you celebrate Community Banking Month, share your story with us! Enter CBI’s Community Banking Month Best-of-the-Best Competition [opposite page, top] and show all of Iowa how your bank is supporting your community, spreading the community banking message and Making A Difference on Main Street!

APRIL ISCOMMUNITY BANKING MONTH

COMMUNITY BANKER UPDATE | MARCH 2015 7

How will your bank celebrate Community Banking Month and spread the “Making A Difference On Main Street” message? Let CBI know and your bank could win the Traveling Trophy and a pizza party for staff!

To enter, send us your photos, tweets, activities and whatever else tells us how your bank celebrated Community Banking Month in April, along with a completed 2015 CBI Best-of-the-Best Competion entry form. All submissions are due to the CBI office by May 15, 2015.

The winning bank will be announced at the 44th Annual Convention in Okoboji in July, and will also be featured in the August edition of Community Banker Update and the CommonCENTS newsletter.

For more information, visit www.cbiaonline.org and check out Community Banking Month under the Events header. And, read the article below on the 2014 Best-of-the-Best Competition winning bank!

CBI’s Best-of-the-Best Award distinguishes one Iowa community bank that epitomizes how community banks are making a difference on Main Street.The2014recipient,ShelbyCountyStateBank,exemplifiedthespiritof Community Banking Month with their volunteer work and ingenuity in giving back to Harlan, Iowa and surrounding communities. Last month, CBI Executive Vice President and CEO Don Hole presented a free pizza party and the Traveling Trophy to Shelby County State Bank employees as part of the Best-of-the-Best Award.

Throughout Community Banking Month in 2014, Shelby County State Bank’semployeestaughtfinancialliteracyprogramsincludingmoneymanagement lessons to elementary and high school students, raised funds for their Relay for Life team by holding a purse auction, and held a cash “free sample” day in the form of $2-$10 bills. Bank employees also helped to coordinate Money Smart Week events like visits to schools by Ben Franklin, and sponsoring a local Money Smart Week Poster Contest as part of the state-wide competition hosted each year by CBI. They also had a free tree giveaway on Arbor Day. Shelby County State Bank helped fund anddelivertreesto260fifth-gradestudentsinShelbyCountyschools, and gave away over 74,000 trees to be planted throughout Shelby County.

What stood out to CBI and sealed Shelby County State Bank as the 2014 Best-of-the-Best Competition Award recipient wereboththesheervolumeoffinancialliteracyprograms,events and activities they planned for Shelby County schools and communities. Congratulations to Shelby County State Bank for doing such an outstanding job of celebrating Community Banking Month, for spreading the community banking message, for “going local”, and for maintaining and growing relationships in your community!

For a complete description of Shelby County State Bank’s Community Banking Month activities, view the News articles at www.cbiaonline.org.

Shelby County State Bank Made a Difference on Main StreetCBI Awards the 2014 Best-of-the-Best Competition Winner

Employees of 2014 Best-of-the-Best winner Shelby County State Bank pose for a group photo during their CBI-hosted pizza party.

CBI Executive Vice President & CEO Don Hole (middle) awards the 2014 Best-of-the-Best Competition Traveling Trophy and plaque to Shelby County State Bank President Kevin Campbell (left) and Marketing Officer Janet Buman (right).

START PLANNING YOUR 2015 COMMUNITY BANKING MONTH CELEBRATIONS NOW!Can Your Bank Capture the CBI Community Banking MonthBest-of-the-Best Traveling Trophy?

8 COMMUNITY BANKER UPDATE | MARCH 2015

Bankers across Iowa are adopting the “Go Local” campaign, reinforcingthebenefitsofthecommunitybankingmodeltotheircommunities. CBI is still supporting the campaign with Iowa-shaped “Go Local” signs for use by banks and other similar local businesses. The easy-to-apply window clings are available at no charge for CBI Member Banks. To order window clings, please contacttheCBIofficeat515.453.1495oremailPrettyPatelatppatel@cbiaonline.org.

Posters to help support your bank’s promotion of Community Banking Month and the “Go Local” effort are also available again this year. Posters are $1 each. Posters may also be customized with your bank’s logo (see order form for details). To order, complete a request form and submit to klee@cbiaonline.org. Request forms may be downloaded from our website atwww.cbiaonline.org/community-banking-month.html.

Additional custom materials for Community Banking Month are available on the ICBA website at www.icba.org/golocal/index.cfm.

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“Go Local” Campaign Spreads Community Banking Message Across Iowa

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Right: Posters are available for purchase to celebrateCommunity Banking Month in April. Cost is $1/poster.

COMMUNITY BANKER UPDATE | MARCH 2015 9

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Spring Bank Summits Coming April 1 & 2

Risk Management, EMV and Payments Technologies To Be DiscussedCBI invites you to network with other Iowa community bankers at the Spring Community Bank Summits, being held April 1st at Isle Casino Hotel in Waterloo and on April 2nd at Riverside Casino and Golf Resort in Riverside. Summits begin at 3:00 p.m. and conclude at 5:30 p.m. A dinner reception immediately follows.

Attend the summits and listen to Parliment Consulting Services Chairman & CEO Dr. Tom Parliment put context around a discussion about the economy, interest rates and an increasing number of regulatoryrisks.Hefocusesonstrategicfinancialplanningtohelpinstitutions gain and maintain sustainable superior earnings growth. His no-holds-barred retail solutions help to enhance community institutions’ franchise value. He has served as a director on several community bank boards, and his experience as Chairman of Audit, Asset/Liability Management, and Loan Committees makes him familiar with the responsibilities and challenges that directors face today. A representative from SHAZAM will also outline EMV chip cards and tokenization, the technology behind new payment apps like Apple Pay.

The registration fee for each Summit is $35 for bankers, and $50 for CBIEndorsed/Associate/Affiliatemembers.Visitourwebsiteatwww.cbiaonline.org to register for the Waterloo and Riverside Summits.Needmoreinformation?PleasecalltheCBIofficeat515.453.1495 or contact Jackie Haley at jhaley@cbiaonline.org.

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CBI is pleased to host the 2015 FDIC Bankers College, in conjunction with Independent Community Bankers of South Dakota (ICBSD) and Independent Community Bankers of Minnesota (ICBM). The Iowa session is being held May 5 from 9am - 3:30pm at the Sheraton Hotel in West Des Moines.

This one-day educational seminar was designed with bank executives in mind and will include up-to-date information on various emerging issues. Presentations will be delivered by a group of experiencedFDICspeakersandexperts.Bankexecsandofficerswithresponsibilityforlending,assetliabilitymanagement,financialreporting, IT, and regulatory compliance should attend.

The FDIC Bankers College is also being hosted by ICBM on May 7th in Plymouth, MN, and by ICBSD on May 19 in Sioux Falls, SD. For more information, contact: Dawn Pepin - ICBM at 651-789-3987 or Greg McCurry - ICBSD at 605-996-9329.

Registration fees are $125. Rooms are also available at the Sheraton Hotel for $109 per night (group discount available until April 13.) Call the Sheraton at (866) 716-8134 and ask for the CBI room block.

Asyoufinalizeyourtrainingplans,pleaseconsiderthisuniqueopportunity to interact with your bank’s regulators and enhance your experience and knowledge. For more information, visit our website or contact Pretty Patel at ppatel@cbiaonline.org or 515-453-1495.

Learn from the Experts

CBI to Host 2015 FDIC Bankers College

COMMUNITY BANKER UPDATE | MARCH 2015 11

New Event Opportunity from CBI!

Peer Connection Forum to Be Held May 28The Community Bankers of Iowa have long had a relationship with Iowa’s community banks and their top executives. But now we want to grow those relationships beyond the board room. To that end, CBI has developed the Community Banking Peer Connection Forum, a brand new event designed for everyone staffingandsupportingIowa’scommunitybanks.TheForumwilltake place May 28, 2015 at Prairie Meadows Conference Center in Altoona.

The Peer Connection Forum is intended as both a learning experience and a networking and discussion opportunity for community bank staff in the Marketing, HR, Operations, IT, Compliance and Lending function groups. This one-day event will feature educational breakouts on issues important to community bankers and bank staff below the CEO/director level. Among the educational topics included in the inaugural Forum are: how to survive a state exam, vendor management, using marketing to surviveasecuritybreach,qualifiedmortgagesandfairlending,payments systems issues like EMV chip cards and Apple Pay, social networking, and more.

Yet unlike other conferences, each Peer Connection Forum closes with topical analysis sessions for members of each bank functiongroup.Bankofficersandstaffcansitinroundtableforums to debate and dissect what they learned during the educational sessions of the event, network, and compare notes on what is and is not working in their own banks. With

the Community Banking Peer Connection Forum, CBI is helping community bankers build a better bank, and in turn, a better experience for the communities they serve.

Watch future issues of Community Banker Update, the weekly CommonCENTS newsletter, and the CBI website for more details on this exciting new opportunity to learn from - and learn with - the backbone of Iowa’s community banks.

12 COMMUNITY BANKER UPDATE | MARCH 2015

I’ve Enjoyed the Ride!Written By: John H. Buhrmaster, Chairman of ICBA

AdozenyearsagowhenIattendedmyfirstICBA convention in Orlando, I never could have imagined that I would be sitting here today as chairman of your great national association, writingmy12thandfinalchairman’scolumnfor Community Banker Update. Yet here I am, reminiscing about the past year—one that has been so many things and has meant so much to me and my family. It has been exciting, tiring, educational and, most of all, inspirational. The past year has been one of the most meaningful experiences of my life.

Part of the job of the ICBA chairman is to travel the country, and sometimes the world, to represent community banks whenever and wherever needed. That’s the job. But the fun comes when you get to talk to community bankers, waitresses, cab drivers, doctors and students. That is where you get to see what really drives our country. The one thing that all these people you meet have in common is that, somewhere down the line, their life was changed for the better, either directly or indirectly, by a community bank. After having the opportunity to witness so much this year, I can say with strong conviction that America starts with you—the community banker. It all starts at your desk.

Maybe a student is going to college because his parents’ business was started with a community bank loan. Maybe a community bank line of credit got that restaurant through some tough times and helped that waitress keep her job. Maybe a community bank helped that doctor financeanMRImachinethathelpedcatchapatient’s cancer early. As a community banker, you really don’t get to see everything that happens when you take a chance on someone, but good things do happen, and they happen because of you.

As I was preparing to give a speech in Japan last fall, I researched our small bank’s customer base and found that more than two dozen small businesses that banked with us also provided

goods and services around the world. U.S. community banks are not only important to our local communities; we are an important part of the global economy.

That is why with my last chairman’s column, I will make one last push for you to become involved—something that has been my platform and focus over the past year. We must continue to be heard—all of us, for the sake of our nation’s economy and the global economy.

Make community banking your cause if you haven’talready,andfightlikehellforit.Don’tever let your message get watered down. I’m ending my term as ICBA chairman, but I have only begun my work in advocating for community banks!

Never before have community banks held so much clout. Now is our time to shine! People have asked me what has been my favorite part of being chairman, and I can say that it has undoubtedly been seeing the passion of community bankers around the country. There is unlimited potential for all of us to prosper.

It has been a true honor serving as your ICBA chairman. I’ve enjoyed the ride! Thank you for your support and inspiration over the past year. I couldn’t be more grateful and humbled to serve such a noble cause.

John H. Buhrmaster is Chairman of the ICBA and President and CEO of 1st National Bank of Scotia, in Scotia, New York.

“The one thing that these people have in

common is that their life was changed

for the better by a community bank.”

TOPFrom the

COMMUNITY BANKER UPDATE | MARCH 2015 13

Community bankers aren’t the only ones who think so. Nearly everyone in Washington now agrees, to one degree or another.

Most members of Congress, including the leaders of both political parties, say it’s time. Top regulators also concur, and some have even offered a proposal or two of their own. Even many of your customers—particularly those, heaven forbid, seeking a loan without a blood test or a signature cramp—say yes. Heck, even those pesky credit unions begrudgingly agree. And ready for the toss, President Obama says he would welcome such bipartisan legislation to sign.

Inside and outside Washington, most people agree the time has come to enact real, meaningfulandsignificantregulatoryreliefforcommunity banks. And fortunately, we have a clear, ready-made plan laid out for members of Congress to do just that. It’s the Plan for Prosperity, ICBA’s legislative platform outlining for the114thCongressspecific,targetedregulatoryrelief measures for community banks.

Addressing ICBA’s top priority, the Plan for Prosperity is central to expanding on ICBA’s recent historic progress to establish a fully tiered regulatory framework for community banks. Developed with ICBA’s diverse membership, the platform contains nearly three dozen detailed legislative provisions, each addressing a real-world problem or need. In addition to promotingspecificmeasurestocutexcessiveandcounterproductive regulations, its provisions will help community banks raise capital and make necessary reforms to the banking regulatory process and structure.

Significantly,thePlanforProsperityisaflexible,livingdocument.Itcanbeadaptedeasily and expanded as new opportunities and circumstances arise. And it gives lawmakers great leeway to advance legislation in multiple ways,howevertheyseefit.

This bipartisan plan is ready to go. There’s simply no excuse for Congress not to act soon. And while the banking agencies have a powerful and pivotal role,it’sCongressthathasthegreatest,finalauthority to act quickly and the most effectively.

Understandably, past Congresses have devoted considerable attention and resources in respondingtotheWallStreetfinancialcrisis.While some of their actions thankfully have been sensitive to the needs and concerns of community banks, there’s no question community banks have nevertheless been disproportionately and unfairly disrupted by the newest complex laws and regulations engineered to stop the excesses and systemic risks of Wall Street institutions. Acknowledging the problem, lawmakers repeatedly have told community bankers to hold on, relief is on the way.

Now after years of constant, concerted and vigorous but patient advocacy by ICBA, Congress only needs to wind up its act and to follow through. Community banks—and our economy—need relief now.

Next month, nearly 1,000 of your fellow community bankers will be participating in ICBA’s Washington Policy Summit. As their top advocacy priority, the bankers will be promoting and explaining the Plan for Prosperity and its measures to their members of Congress. Please consider joining them. The summit is open to any and every community banker. Through our collective presence, we all need to make a statement on this issue.

Otherwise, please take the time to learn about the Plan for Prosperity. This is your plan. Be prepared to contact your representatives in Congress about it. Nearly everyone agrees our time has come. But we still need our whole industry involved. Be ready and be with us.

The Time Is NowWritten By: Camden Fine, President and CEO of ICBA

“...the time has come to enact real, meaningful and significant regulatory

relief for community banks.”

Following Mr. FineMore than 1,000 people are following Camden Fine’s tweets @Cam_Fine— are you? Visit www.twitter.com/cam_fine.

FINEPOINTS

14 COMMUNITY BANKER UPDATE | MARCH 2015

The Consumer Financial Protection Bureau’s new proposals to reformitsqualifiedmortgagerulesfollowyearsofICBAadvocacy.The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted.

ICBA’s advocacy on the CFPB’s mortgage rules started before the bureau even opened its doors. The Federal Reserve in April 2011 proposed rules requiring creditors to determine a consumer’s abilitytorepayamortgagebeforemakingtheloananddefining“qualifiedmortgages”thatautomaticallymeetso-calledability-to-repay standards. ICBA worked to ensure the Fed proposal, later taken up by the CFPB, protected community banks and the mortgages they offer, such as portfolio and balloon payment loans.

Needless to say, the advocacy process with the CFPB has moved at the speed of Washington. We’ve achieved success gradually, with accommodations coming stubbornly. As advocated by ICBA, the CFPB proposed rule released in January 2013 structured the qualifiedmortgagewithlegalsafeharborprotectionsforsomeloans.Italsopromisedtoprovidequalifiedmortgagestatustoballoon loans originated and held in portfolio by “small creditors” operating predominantly in rural or underserved areas.

StillICBApushedforreform,callingforqualifiedmortgageprotections for all community bank mortgage loans held in portfolio. Alternatively, ICBA also urged the CFPB to expand its“smallcreditor”and“rural”definitions.ICBAissuedsurveyresults in May 2013 on the limited impact of the community bankaccommodations,whichhelpedleadtofinalamendmentsestablishingthenewqualifiedmortgagecategoryforloansbysmallcreditors that are held in portfolio.

Again and again ICBA pushed for change, the CFPB responded with accommodations, and we responded with calls for the bureau to go even further.

The latest ICBA salvo was the association’s January 2015 release of its Community Bank Lending Survey, which detailed the tangible

impact of the current rules on community banks. Three-quarters of the community bankers who responded to the survey said the regulations are keeping them from making more mortgage loans. Two-thirds said they do not provide loans that fall outside the qualifiedmortgagedefinitionorwoulddosoonlyinspecialcases.

Clearly, the CFPB was listening. The bureau’s proposed expanded exceptionswouldextendthesmallcreditordefinitionto700newlendersandtheruraldefinitionto1,700additionalruralcreditors.Lenders that qualify for the expanded small creditor exception would increase from 9,700 to 10,400, while creditors deemed rural would increase from 2,400 to 4,100, according to the bureau.

Of course, this community bank victory is not the result of just one survey. It is the culmination of years of effective advocacy—meetingswithCFPBofficials,congressionalbriefingsandpublictestimony, countless comment letters and correspondences. It also includesthetirelesseffortsofcommunitybankers,ouraffiliatedstate and regional associations, and the CFPB’s Community Bank Advisory Council.

Just the same, this is not the end of the road. ICBA will submit a commentletteronthebureau’snewqualifiedmortgageproposalthis month. And we will continue advocating for provisions in our Plan for Prosperity congressional platform that would impose statutory changes to the CFPB’s regulations.

Just as this victory serves as a reward for the hard work of our association and industry, it is also a reminder that effective advocacy in Washington is performed over years. Furthermore, it demonstrates the resonance of the community bank voice in Washington. With our industry’s reputation for responsible lending, we can continue to make positive change, but only through our industry’s collective strength, determination and perseverance.

Elizabeth Eurgubian (elizabeth.eurgubian@icba.org) is ICBA vice president and senior regulatory counsel.

YEARSIN THEMAKINGNew proposed mortgage reformsfollow extensive ICBA outreachWritten By: Elizabeth Eurgubian - ICBA

COMMUNITY BANKER UPDATE | MARCH 2015 15

William C. Rosacker, President and CEO of United Banker’s Bank, is pleased to introduce UBB Compliance Services to the United

Bankers’ Bank product mix. The addition of UBB Compliance Services to United Bankers’ Bank will serve as a direct way for community banks to enhance their compliance programs.

“In today’s heightened and increasingly complex regulatory environment, we are elated to have the opportunity to offer additional compliance services to our community bankers to alleviate stress associated with meeting regulatory requirements,” comments Rosacker.

Given the increased complexity in different areas, UBB Compliance Services will provide a variety of compliance service options to banks, including, hotline support, policy review and development, advertisement and document review, website review, onsite regulatory compliance reviews, and compliance training. Each compliance service will be tailored to the bank’s unique operations and needs.

UBB Compliance Services will be managed by Kassia Holt, who brings a wealth of practical working knowledge and experience to the position.Kassiaiscertifiedasacommunitybank internal auditor (CCBIA) and is in the processofobtaininghercertificationasaregulatory compliance manager (CRCM) and her certificateasaBSA/AMLProfessional(CBAP).Kassia graduated from St. Catherine University in St. Paul, Minnesota with a degree in Business Administration. Her background includes handling audit and compliance duties at two

community banks, as well as working as a compliance consultant foranationalaccountingandconsultingfirm.

“The ever changing regulatory environment is creating challenges for community banks. I enjoy these challenges, as they allow me to use my expertise in assisting community banks navigate through it all while assisting them to create a strong compliance program ,” states Holt.

Kassia has designed and developed compliance services to assist community banks in many ways. For more information, please contact Kassia Holt at 952-886-9548.

Check out CBI Associate Member United Bankers’ Bank atwww.ubb.com

Do You Know?... Dickinson LawFroma$60-per-monthrentalofficewithoneattorneynearly78years ago, Dickinson, Mackaman, Tyler & Hagen, P.C. has grown intoageneralpracticelawfirmthatproudlyservesclientsinallofIowa’s99counties.HeadquarteredinDesMoines,thefirmprovides a full range of legal and business counseling services for corporations, governmental entities and associations from every corner of Iowa and beyond.

Dickinson Law has one of the largest teams of banking attorneys providing legal services to the state’s community banks. Related areas include regulatory compliance; bank mergers & acquisitions; lending, collections & bankruptcy; corporate governance; strategic planning; executive comp &benefits;bankinglitigation;bankingintellectualproperty;and cybersecurity & vendor agreements. In addition, the banking group recently launched a new service focused on providing regulatory compliance advice and legal services called Compliance Counsel on Command. The group is led by Howard Hagen, who formerly served as general counsel to the Iowa Division of Banking and currently serves as counsel to the Community Bankers of Iowa.

Additionally,thefirmisaleadingprovideroflegalservicesintheareas of employment and labor, business and corporate law, commercial litigation, real estate and information technology. DickinsonLawisoneofonlyafewIowafirmsrankedineveryarea of law researched by Chambers & Partners, and has received top rankings in 19 areas of law in U.S. News & World Report’s most recent “Best Law Firms in America” rankings.

Dickinson Law has a proud history of being a community service-mindedfirm.Forthethirdyearinarowthissummer,wewillopenour doors to the public to showcase our commitment to a unique program designed to promote Iowa artists. By providing a free venue for these artists’ works to be seen, we hope to create a greater awareness of the talent Iowa is fortunate to possess.

You’re invited to join us at this Open House event on Friday, June 26th from 4:30 – 6:30 pm., which coincides with the kickoff of the Des Moines Arts Festival. RSVP to kcoy@dickinsonlaw.com – drinks and appetizers will be served.

News from CBIAffiliate&AssociateMembers

United Bankers’ Bank Introduces Compliance Services Program

Kassia Holt will manage UBB’s new Compliance Services program.

Dickinson Mackaman Tyler & Hagen P.C.

699 Walnut Street, Suite 1600 | Des Moines, Iowa 50309 | 515-246-4508

www.dickinsonlaw.com

16 COMMUNITY BANKER UPDATE | MARCH 2015

February Survey Results at a Glance:• The Rural Mainstreet Index fell below growth neutral for

February.• Farmland prices sank for the 15th straight month.• Approximately 22.2 percent of farmland sales were cash

sales, almost unchanged from October 2014.• February marked the 19th straight month that farm

equipment sales declined.• Banker’s economic outlook sank for the month.

OMAHA, Neb. – The Creighton University Rural Mainstreet Index for February slumped from January’s tepid reading according to the monthly survey of bank CEOs in rural areas of a 10-state region dependent on agriculture and/or energy.

Overall: The Rural Mainstreet Index (RMI), which ranges between 0and100,sankto46.4inFebruary,whichisdownsignificantlyfrom January’s 50.9.

“Weaker exports and lower energy and grain prices continue to weigh on the rural economy that is dependent on agriculture and energy,” said Ernie Goss, Ph.D., Jack A. MacAllister Chair in Regional Economics at Creighton University’s Heider College of Business.

Farming and Ranching: The farmland and ranchland-price index for February was unchanged from January’s weak 39.4. “Even though crop prices have stabilized, demand for farmland remains weak pulling agricultural land prices down by an estimated annualized rate of 6 percent to 8 percent. This is the 15th straight month the index has moved below growth neutral,” said Goss.

Eventhoughfarmincomehasweakened,morethanone-fifth,or22.2 percent, of farmland sales are for cash according to bankers in February. This is little changed from 23.3 percent recorded in October of 2014.

The February farm-equipment sales index plummeted to 19.5 from 29.5 in January. The index has been below growth neutral for 19 straight months. “Farmers have become very cautious regarding equipment buying even though their purchases of seeds and other inputs have remained solid,” said Goss.

This month bankers were asked to estimate the 2015 change in farm equipment sales for their geographic area. On average, a

14.4 percent decline in equipment sales is expected by the bank CEOs. Approximately 60 percent of the bankers expect reductions of more than 15 percent.

Banking: The February loan-volume index plunged to 46.4 from January’s 62.1. The checking-deposit index sank to 57.3 from64.8inJanuary,whiletheindexforcertificatesofdepositand other savings instruments fell to a very weak 41.5 from last month’s 42.6.

Hiring: Despite weaker crop prices and pullbacks from businesses with close ties to agriculture and energy, Rural Mainstreet businesses continue to add workers to their payrolls. The February hiring index jumped to 56.5 from January’s 52.8. “Wehaveyettomeasureanysignificantdeclineinemploymentfor the energy sector in the region. I expect that to change in the months ahead as lower oil prices work their way through the economy. Year-over-year job growth for the region is now approximately 1.4 percent, which is unchanged from last month, but still well above the historic average,” said Goss.

Confidence:Theconfidenceindex,whichreflectsexpectationsforthe economy six months out, slipped to 41.5 from January’s 43.6. “Global economic turmoil along with low energy and farm prices have negatively affected the outlook of bank CEOs in energy and agriculture dependent portions of the region,” reported Goss.

Home and Retail Sales: The February home-sales index climbed to 50.9 from January’s 45.3. The February retail-sales index inched up to a frail 43.7 from 43.6 in January.

Jeff Bonnett, president of Havana National Bank in Havana, Ill., reported that many of his customers commute to cities for employment. “The lower fuel prices here in early 2015 have been very helpful to these folks, which has helped the local restaurants and economy.” Each month, community bank presidents and CEOs in nonurban, agriculturally and energy-dependent portions of a 10-state area are surveyed regarding current economic conditions in their communities and their projected economic outlooks six months down the road. Bankers from Colorado, Illinois, Iowa, Kansas,

(Rural Mainstreet continued on next page)

Main Street Economic Survey

C r e i g h t o nU N I V E R S I T Y

February Rural Mainstreet Index Turns Negative:Farm Equipment Sales and Farmland Prices Decline Again

Ernie Goss

COMMUNITY BANKER UPDATE | MARCH 2015 17

(Rural Mainstreet continued from previous page)

Minnesota, Missouri, Nebraska, North Dakota, South Dakota and Wyoming are included. The survey is supported by a grant from Security State Bank in Ansley, Neb.

This survey represents an early snapshot of the economy of rural, agriculturally and energy-dependent portions of the nation. The Rural Mainstreet Index (RMI) is a unique index covering 10 regional states, focusing on approximately 200 rural communities with an average population of 1,300. It gives the most current real-time analysis of the rural economy. Goss and Bill McQuillan, former chairman of the Independent Community Banks of America, created the monthly economic survey in 2005.

Colorado: After rising above growth neutral for 11 straight months, Colorado’s Rural Mainstreet Index (RMI) declined below the 50.0 threshold. The state’s RMI slumped to 47.2 from January’s 50.9. The farmland and ranchland-price index rose to 60.8 from 50.1 in January. Colorado’s hiring index for February climbed to a healthy 60.8 from 62.3 in January. Colorado Rural

Mainstreet job growth for the past 12 months was 2.2 percent.

Illinois: The RMI for Illinois decreased to 46.3 from 50.5 in January. The Illinois farmland-price index expanded to 38.7 from 38.2 in January. The new-hiring index rose to 55.0 from 51.3 in January. Illinois Rural Mainstreet job growth for the past 12 months was 1.3 percent.

Iowa: The February RMI for Iowa fell to 46.7 from January’s 51.6. The state’s farmland-price index for February expanded to 41.5 from January’s 38.7. Iowa’s new-hiring index for February rose to 57.2 from January’s 51.7. Iowa Rural Mainstreet job growth for the past 12 months was 1.7 percent.

Kansas: The Kansas RMI for January plummeted to 45.1 from January’s 49.6. The state’s farmland-price index dipped to 37.2 from January’s 38.9. The new-hiring index for Kansas climbed to 53.9 from 51.9 in January. Kansas Rural Mainstreet job growth for the past 12 months was 0.1 percent.

(Rural Mainstreet continued on next page)

Tables 1 and 2 summarize survey findingsNext month’s survey results will be released on the third Thursday of the month, March 19.

Table 1: Rural Mainstreet Economy Last Two Months and One Year Ago: (index > 50 indicates expansion)

February 2014

January 2015

February2015

Area economic index 48.4 50.9 46.4

Loan volume 50.0 62.1 46.4Checking deposits 61.7 64.8 57.3

Certificates of deposit and savings instruments 42.5 42.6 41.8Farmland prices 41.7 39.4 39.4Farm equipment sales 30.9 29.5 19.5Home sales 53.4 45.3 50.9Hiring 54.3 52.8 56.5Retail business 40.1 48.1 43.7Confidence index (area economy six months out) 47.4 43.6 41.5

Table 2: The Rural Mainstreet Economy, February 2015Percentage of bankers reporting

51% - 75% 20% - 50% 10% - 19% 5% - 10% Less than 5%

What percent of farm land purchases in your area do youestimatearecashsales(notfinanced)? 3.8% 46.2% 19.2% 17.3% 13.5%

SignificantReductionsAbove 15%

Reduction1% - 15%

Little or no change

Increases in sales

1% - 15%

Significant Increase

Above 15%

In terms of agricultural equipment sales for dealers in your area for the next year, what do you expect? 59.3% 35.2% 3.7% 1.9% 0.0%

Significant and positive Positive Little or no

impactsNegative impacts

Significant and Negative

Thus far, what has been the impact from the decline in fuel prices? 5.5% 65.5% 27.2% 1.8% 0.0%

Follow Ernie Goss on Twitter www.twitter.com/erniegoss • For historical data and forecasts, visit: www2.creighton.edu/business/economicoutlook/

18 COMMUNITY BANKER UPDATE | MARCH 2015

(Rural Mainstreet continued from previous page)

Minnesota: The January RMI for Minnesota sank to 44.6 from January’s 51.0. Minnesota’s farmland-price index declined to 38.5 from 42.1 in January. The new-hiring index for the state advanced to 54.9 from January’s 54.4. Minnesota Rural Mainstreet job loss for the past 12 months was -0.4 percent.

Missouri: The February RMI for Missouri plummeted to 47.5 from 54.1 in January. The farmland-price index declined to 53.5 from January’s 63.7. Missouri’s new-hiring index decreased to 66.8 from 71.7 in January. Missouri Rural Mainstreet job growth for the past 12 months was 2.5 percent. Nebraska: The Nebraska RMI for February slumped to 44.4 from 49.0 in January. The state’s farmland-price index slipped to 33.3 from 34.0 in January. Nebraska’s new-hiring index grew to 50.7 from January’s 47.9. Nebraska Rural Mainstreet job loss for the past 12 months was -0.6 percent.

North Dakota: The North Dakota RMI for February dipped to 53.7 from January’s 56.8. The farmland-price index climbed to 73.7 from 73.0 in January. North Dakota’s new-hiring index expanded to 83.0 from January’s 79.1. North Dakota Rural Mainstreet job growth for the past 12 months was 8.7 percent.

South Dakota: The February RMI for South Dakota declined to 45.1 from January’s 49.4. The farmland-price index for February decreased to 35.3 from last month’s 36.2. South Dakota’s new-hiring index expanded to 52.3 from 49.7 in January. South Dakota Rural Mainstreet job growth for the past 12 months was 0.1 percent.

Wyoming: The February RMI for Wyoming fell to 47.1 from last month’s 50.8. The February farmland and ranchland-price index ticked up slightly to 41.7 from January’s 41.6. Wyoming’s new-hiring index climbed to 57.4 from January’s 54.0. Wyoming Rural Mainstreet job growth for the past 12 months was 0.1 percent.

Hang Out “Where Everybody Knows Your Name” in OkobojiCommunity banking helped shape our nation, state, and towns. Community banks are iconic institutions that still believe in integrity, fairness, and providing a genuine value to their customers. They are based on the continuing and growing relationships with rural communities, small businesses, farmers, and families.

The Community Bankers of Iowa’s 44th Management Conference and Annual Convention reiterates the importance of the personal service and commitment of community banks to their customers and the communities they serve with the theme, “Where Everybody Knows Your Name.”

The Convention strives to unite community bankers through education from nationally recognized speakers, access to the latest products and services, and numerous opportunities for networking, camaraderie, and the exchange of ideas with community bankers statewide.

Join us at the Community Bankers of Iowa’s 44th Management Conference and Annual Convention, July 15-17, 2015 in Okoboji, Iowa.

A registration brochure will be in your mailbox soon! Additional information and registration will also be available online at www.cbiaonline.org. If you have any questions about the convention, please call the CBI office at 515.453.1495.

Save the Dates for CBI’s44th Management Conference

& Annual Convention

July 15-17, 2015

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