Update

Extraordinary Service for Extraordinary Members

June 19, 2019 Volume 41 Issue 24

www.nebankers.org

Build the Banking Workforce Sponsor an Ag Banking Intern in 2020 Would your bank be interested in sponsoring an ag banking intern in the 2020 summer? Students enrolled in the Agricultural Banking & Finance Program at the University of Nebraska-Lincoln are required to complete a 10-week internship with a financial institution following their junior year of college.

The NBA assists in identifying member banks that are interested in sponsoring a summer intern. Interviews and arrangements for the internships are conducted during the upcoming fall semester. In addition, the NBA’s University Foundation Allocation Committee—awards scholarships to students who participate in this program.

The overall objective of this internship program is to provide students with a wide range of learning opportunities and work-related banking experience during their summer employment with a Nebraska bank. We strive to ensure that these students have a positive experience, so they will pursue a career in ag banking in our state upon graduation.

Various accounting and ag finance courses are required to meet eligibility for an internship. The summer internship might include opportunities for the student to gain work experiences including but not limited to: bank operations; ag lending; financial auditing; bank teller operations; drive-up window operations; customer deposit operations and regulations; loan spreadsheet analysis;

loan documentation; financial trend analysis; bank marketing strategies; customer

promotions; and/or bank customer relations. Some banks offer the student additional learning opportunities in investments and real estate, insurance programs and trust department operations.

If your financial institution is interested in hosting an ag banking intern in the summer of 2020, please contact Sarah Sasse-Kildow at the NBA at (402) 474-1555 or sarah.sassekildow@nebankers.org.

I N S E R T S

INSIDE THIS ISSUE

Young Bankers of Nebraska Conference August 1-2, Omaha

2020 NBA Scenes of Nebraska Calendar

Order Form

2019 Husker Football Schedule Order Form

Banks & Bankers June 12 – June 18

Husker Football Schedules Order Yours Today!

Pre-orders will be sent to member banks when supplies arrive.

ORDER ONLINE PDF ORDER FORM

UNL Ag Banking & Finance student interns and bankers from host financial institutions at the 2018 UNL Ag Banking

Scholarship Fall Banquet held at the Nebraska East Union.

Additional workforce recruiting opportunities continued on page 3.

2 NBA Update • www.nebankers.org • 6-19-2019 Extraordinary Service for Extraordinary Members

News Briefs from Washington Agencies Issue Final Rule Reducing Call Report Burden on Small Banks The financial regulatory agencies Tuesday finalized changes that would expand the number of banks eligible to file a more streamlined version of the Call Report, as directed by regulatory reform law S. 2155. Under the final rule, non-complex institutions with less than $5 billion in assets would be permitted to file the most streamlined version of the FFIEC 051 Call Report. Banks filing the FFIEC 051 Call Report will also see a reduction of the number of data items required in their first- and third-quarter filings. Read the final rule.

Agencies Release List of Areas Eligible for CRA Credit The federal banking agencies Monday released the 2019 list of distressed or underserved nonmetropolitan middle-income areas in which banks participating in revitalization or stabilization activities will be considered for Community Reinvestment Act credit. Read more. View the list.

OCC Official: Expect CRA Reform Proposal by End of Summer The federal banking agencies expect to issue a notice of proposed rulemaking to revise their Community Reinvestment Act (CRA) regulations by the end of summer, Senior Deputy Comptroller of the Currency for Bank Supervision Policy Grovetta Gardineer said at the ABA’s Regulatory Compliance Conference. She also provided some additional detail on what the agencies are focusing on in their conversations.

Specifically, the agencies are responding to concerns reflected in the comments the OCC received on its CRA advance notice of proposed rulemaking. Ninety-one percent of commenters said the current CRA rules lack objectivity, transparency and fairness, Gardineer said, adding that 98% think they are applied inconsistently and 88% say they have become harder to understand. To address these, she said the agencies are considering how they can clarify CRA-qualifying activities, refine the assessment area definition and implement “an objective set of measures that you can apply—not a single metric.”

Suzanne Killian, senior associate director for consumer and community affairs at the Federal Reserve Board, added that the Federal Reserve wants to ensure that the CRA reform process results in “no reduction” in banks’ investments in low- and moderate-income communities and clients.

News Source: American Bankers Association

Nebraska FSA Announces Extension of Prevented Plant Reporting Deadline to July 15 The U.S Department of Agriculture Farm Service Agency (FSA) in Nebraska is extending the deadline for producers in the state to report their spring prevented plant crop acres to the agency.

FSA State Executive Director Nancy Johner announced Nebraska producers now have until July 15, 2019, to report to FSA acres they intended to plant to crops this spring but could not do so because of the difficult weather conditions. This new deadline coincides with the July 15, 2019, FSA acreage certification deadline that is already in place.

Even though this deadline has been extended, producers are encouraged to communicate with their county FSA office as soon as possible regarding completion of both their spring crop acreage certification and their prevented plant acres reports. While walk-in traffic will be accommodated as much as possible, county FSA offices prefer scheduled appointments with producers to facilitate the flow of business through their doors and make the most efficient use of time for all parties. To find contact information for a county FSA office, producers should type offices.usda.gov in their internet browser. Read USDA FSA Press Release.

News Source: United States Department of Agriculture Farm Service Agency in Nebraska

Extraordinary Service for Extraordinary Members 6-19-2019 • www.nebankers.org • NBA Update 3

Workforce Development: Need Employees? Don’t miss your chance to connect with students seeking internships and part- or full-time employment at these upcoming events:

• UNL Fall 2019 Career Fair, Lincoln - http://bit.ly/UNL-FallCareerFair19 o September 24 – Business, social and human services, agricultural sciences and natural

resources, government and nonprofits o September 25 - Science, technology, engineering and mathematics o September 30 - Actuarial Science

• UNO Fall Career & Internship Fairs, Omaha - http://bit.ly/UNO-FallCareerFairs19 o September 16 – Information Technology o September 18 - College of Business Administration o October 8 – ALL Majors

• Wayne State College, Wayne - http://bit.ly/WSC-FallCareerFair19 o October 23 – ALL Majors

Many area colleges and universities are still in the process of scheduling career fairs and other engagement opportunities with their students throughout the summer. Your NBA team will continue to update a listing and post to the NBA website under Workforce>Resources>Career Fair Schedule & Info. Stay tuned for more information and updates!

NBA Preferred Vendor:

Offer the #1 Benefit Employees Want in 2019 Are people knocking down doors to join your bank’s team? Offering the benefits employees demand is key component to becoming an employer of choice. Over 76% of career-seekers want student loan repayment help but only 4% of employers offer it.

Learn how employers are attracting top talent by offering an education benefits solution, without heavily impacting their budgets.

Click here to register for a free webinar, Thursday, June 27, at 2 p.m.

ABA Seeking Officer and Board Member Nominations The American Bankers Association (ABA) Nominating Committee is preparing to review the slate of banker nominees for ABA officers and members of the ABA board of directors for the 2019-2020 association year, which begins in October. The committee is seeking qualified nominees who reflect a full range of diversity in the industry for these positions. In reviewing candidates, consideration is given to the candidate’s institution charter, organizational structure and geographic location as well as the banker's prior ABA service, NBA service and senior-management experience. Review additional details on desired attributes for ABA directors and officers.

If you have an interest in serving on the ABA board of directors or as an ABA officer, please contact NBA President & CEO Richard Baier at 402-474-1555 or richard.baier@nebankers.org prior to June 25, 2019.

4 NBA Update • www.nebankers.org • 6-19-2019 Extraordinary Service for Extraordinary Members

Compliance Alliance Q&A Q: If we need to temporarily shut down one of our branches to treat for dangerous mold, do we need to give any kind of notice to our regulator?

A: At the federal level, there’s a specific exemption for temporary closings that are not in the bank’s control (for example, due to natural disaster), and this dangerous mold will likely be considered not in the bank’s control and, thus, subject to the exception: Section 42 also does not apply when a branch ceases operation but is not closed by an institution. Thus, the law does not apply to: “A temporary interruption of service caused by an event beyond the institution's control (e.g., a natural catastrophe), if the insured depository institution plans to restore branching services at the site in a timely manner;” Interagency Policy Statement: https://www.fdic.gov/regulations/laws/rules/5000-3830.html Even if this is the case, though, providing notice would certainly be good customer service, and our director, who is a former examiner, would consider it a best practice. Not a Compliance Alliance Member? Learn more about membership with Compliance Alliance by attending one of our live demos:

• Tuesday, June 25 @ 10 a.m. CT • Thursday, June 27 @ 1 p.m. CT

Compliance Alliance offers a comprehensive suite of compliance management solutions. To learn how to put them to work for your bank, call (888) 353-3933 or email info@compliancealliance.com.

NBA Preferred Vendor: BankMarketingCenter.com BankMarketingCenter.com’s (BMC) web-based platform puts you in complete control of the marketing production process for your bank. As a registered user, banks will have access to:

Thousands of professionally

designed marketing materials.

Customize products with

your bank's logos, colors, and copy.

Send camera-ready artwork

directly to your local publications and printers.

Learn about the additional advantages in using BMC Digital Sign Solutions.

Register now to schedule your free webinar with NBA preferred vendor BankMarketingCenter.com and see how your bank can build an easily accessible, one-stop marketing portal!

A Nebraska Bankers Association Company

YBON Young Bankers of Nebraska

Register Today! August 1 – 2, 2019

Embassy Suites Downtown, Omaha

THANK YOU SPONSORS!

SEE THE BACK COVER FOR A LIST OF CONFERENCE SPONSORS!

Extraordinary Service for Extraordinary Members

THURSDAY,AUGUST1,2019 8:30 a.m. Registration / Continental Breakfast 9:00 a.m. Welcome & Opening Remarks 9:15 a.m. "Leading for Tomorrow, Today!"

Sean C. Payant, Ph.D., Chief Consulting Officer, Haberfeld With the changes being experienced in community banking, true leadership for tomorrow must happen today. Regardless of your position, leadership is about operating with integrity, adapting to the needs of others and modeling what’s expected. In this interactive session, we will craft a vision for our industry, understand how core values guide us, explore leadership principles and review results of strategic execution in community banking.

10:30 a.m. Networking Break

10:45 a.m. "From Frustrated to FOCUSED and Beyond to Fulfilled: How Smart Professionals Create Career Success on Their Terms"

Debbie Peterson, Getting To Clarity Do you feel like you’re achieving meaningful results in your career? Are you spending enough time to focus on what you need to advance? Are you focused on everything or the RIGHT things to get ahead? In this highly interactive program, you’ll learn the 4 steps that increase your clarity of direction in your career, your focus on the right opportunities, and how to be more productive for more momentum and results! No matter where you are in your career timeline you’ll leave with the tips, tools, and techniques to get maximum results every day.

11:45 a.m. Buffet Lunch with Guest Panel Discussing Continuing Education Experiences & Opportunities

Graduate School of Banking at the University of Wisconsin – Madison

Graduate School of Banking at Colorado

KBA/NBA Schools of Banking 1:00 p.m. "Nebraska’s Labor Force and Economic Outlook"

John McCoy, Research Associate, Omaha Branch – Federal Reserve Bank of Kansas City This session will highlight the strengths and weaknesses underpinning Nebraska’s economy and the dynamics of the state’s workforce. Tight labor markets, dynamic metropolitan areas, and a struggling agricultural sector have defined the state’s economy for the past several years. Recent changes in Nebraska’s workforce, however, will likely have an important impact on the outlook for our economy in the years to come in addition to economic developments nationally.

1:30 p.m. "From Failing to Thriving" Alex Weber, World Record Holder, 5x TEDx Speaker, American Ninja Warrior, and Coach

Having been an elite level athlete in the Division 1 Ivy League, an American Ninja Warrior, and a World Record Holder, Alex knows what it means to be committed to achievement. Sacrifice, discipline, and laser focus on your end goals. And as a championship winning coach, Alex knows what it takes to rally others around a vision and go out and execute. But he also knows the other side: the failure, the self-doubt, the fear. And what that does to your confidence and mindset.

2:30 p.m. Board transportation to Craft Axe Throwing Omaha

3:00 p.m. "Axe Throwing Teambuilding Experience" Craft Axe Throwing Omaha is a game that anyone can play. Score points by throwing axes at a giant dartboard-like target. The closer you get to the bullseye, the more points earned. Join us for this casual yet competitive axe throwing event. This event will be staffed with trained instructors, helping you nail the bullseye. No axe throwing experience…No problem! The trained staff at Craft Axe Throwing Omaha is there to help you become an expert axe thrower! Appetizers and beverages will be served. INDICATE YOUR SHIRT SIZE ON THE REGISTRATION FORM.

5:00 p.m. Adjourn for the day and return to the hotel via the provided transportation.

FRIDAY,AUGUST2,2019 8:00 a.m. Continental Breakfast 8:30 a.m. “The Amazon Prime Effect – Surviving in the New Subscription Society”

Dave DeFazio, Strategy Corps Subscription services are quickly becoming the dominate strategy of today’s best retailers and have caused a monumental shift in the way people buy. More than 50% of all-American households now subscribe to Amazon Prime, and more than 200 million people subscribe to this and other retail services such as Netflix, Spotify, Dollar Shave Club, Costco and AAA. Bank marketers have a duty to understand these trends and drive their banks beyond just transactions to connect better with the lifestyles of today’s modern consumers.

9:30 a.m. Networking Break 9:45 a.m. "How to Become A Social Media Rock Star”

Spencer X. Smith, AmpliPhi Social Media Strategies With 2 billion Facebook users, 330 million active Twitter accounts, 40 million daily Instagram photo uploads, and countless digital sites—social media is the best means ever invented to grow both your personal reputation as well as that of your organization. During this session, Spencer X. Smith will share stories from his time as a drummer and manager of a rock band, and why the lessons from those years align in a surprising way with social media. Spencer has a simple policy: everything he shares he's actually practiced and proven to work himself. These are social media strategies you won't hear anywhere else.

10:45 a.m. Networking Break 11:00 a.m. “Top 10 Tips for Greater Success”

Joe Micallef, Strategist and Coach, GrowUp Sales Joe will share his top 10 tips and techniques for achieving greater leadership success and growth. Participants will walk away with a number of tactical and philosophical tips that will support key takeaways from the conference and help improve your leadership skills, behaviors and beliefs.

12:00 p.m. Conference Adjournment

1-06/19/19

2019 YBON Conference

Embassy Suites Downtown, Omaha August 1 – 2, 2019

Financial Institution: _______________________________________________

Bank / Branch Address: ____________________________________________

City/Town:__________________________________ Zip: ________________

Phone# ( ________ ) ______________________________________________

Please register the following individual(s): 

NAME  Email Address 

Member Fee: First reg ‐ $299 per person Add’l ‐ $285 per person 

 

Non‐Member Fee: $897 per person 

Please indicate your t‐shirt size for the Axe Throwing Teambuilding Experience! 

Registrations received after July 25 will be an additional $25 per person. Four Ways to Register:  

    FAX: (402) 474-2148 WEBSITE: 

  MAIL: NBA Education Center, www.nebankers.org

PO Box 80008, Lincoln, NE 68501 Education 

PHONE: (402) 474-1555 Event Calendar

TOTAL DUE $ ____________________ 

Payment Choice (check one):  MasterCard VISA Discover American Exp.  

Cardholder Name: _________________________________________

Card Number:_________________________________CVV: ______

Exp. Date: ________ Signature: _____________________________

2019 - 2020 Education Advisory

Committee YBON Subcommittee

Kyle W Arganbright Sandhills State Bank, Valentine

Eric Baumgartner

West Gate Bank, Lincoln

Cassondra A Goff Frontier Bank, Falls City

Justin W Groteluschen

Columbus Bank, Columbus

Zachary C Holoch Cornerstone Bank, York

Kory Kahlandt

Generations Bank, Exeter

Eric D Koenig First Nebraska Bank, Valley

Landen J Lawless

Adams Bank & Trust, Imperial

Seth Mangels Elkhorn Valley Bank, Norfolk

Sara A Oberg

Western NE Bank, North Platte

Nate Parde Bank of the Valley, Bellwood

Brandi Peatrowsky

Equitable Bank, Omaha

Melissa Reed First National Bank, Grand Island

Shelby L Siegfried MNB Bank, McCook

Ashton Spieker

Midwest Bank, Norfolk

Kristine Timmerman United Republic Bank, Omaha

THANKYOUSPONSORS       

RegistrationInformation Member Fee: Non-Member Fee: First reg - $299 per person* $897 per person* Each additional - $285 per person*

*If received by July 25, 2019 This fee includes all conference materials, continental breakfasts, luncheon, break service, and the Axe Throwing Teambuilding Experience which includes the fee, transportation, light hors d’oeuvres, and two drink tickets. The deadline for registrations and refunds for cancelled registrations is July 25, 2019. Any registrations received after that date will be an additional $25 per person and subject to space availability. 

HotelInformation Reservations can be made by calling the hotel directly prior to July 9, 2019 to receive the discounted rate.   

Embassy Suites Downtown, Omaha 555 S 10th St, Omaha / (402) 346‐9000 

 Attendance at Nebraska Bankers Association programs and events constitutes consent 

to be photographed for use in print and/or electronic media published by the association.   

Please feel free to dress casually. To ensure your comfort, please bring a light jacket or sweater

to the program.

  

Notice:  If you have a disability that may affect your participation in this event, please forward a statement regarding any special needs to the Nebraska Bankers Association.  We will contact you to discuss accommodations. 

  

233 South 13th Street, Suite 700 Lincoln, Nebraska 68508

Phone: (402) 474-1555 Education Center Fax: (402) 474-2148

www.nebankers.org

1-06/19/19

The Nebraska Bankers Association is pleased to offer the 12th annual Scenes of Nebraska Calendar. The calendar features photos of Nebraska submitted by Nebraska bankers and their family members. Gifting

your customers these calendars is a great way to thank them for their business and promote your bank!

Place your order NOW through July 1 for the price of 99 cents per calendar!

Your available logo imprint area is 1.25 x 10.375 inches. Your logo and/or name needs to be provided in an Illustrator EPS or high resolution TIF file (at least 300 dpi) and emailed to nbaproducts@nebankers.org along with this form. Please supply all linked art and fonts required to print your file.*

Check one:

Color logo (adds $100 flat fee to order)

Black/white logo (free)

Logo (check one):

Use same logo as previous year

Use new logo (email to nbaproducts@nebankers.org)

Please submit this order form to nbaproducts@nebankers.org. All orders will be shipped by late Oct. 2019.

Nebraska Bankers Association | 233 South 13th Street, Suite 700, Lincoln, NE 68508 | 402-474-1555

CALENDAR2020 Scenes of Nebraska

Order Information

___________________________________________________________________________________________________________ Contact Person Email

___________________________________________________________________________________________________________ Bank Phone

___________________________________________________________________________________________________________ Shipping Address City State ZIP Billing Address (if different than shipping address)

From July 1 to Aug. 1, calendars are $1.29 each.

Your bank logo and name can be printed on each calendar to brand your order. The NBA logo is also included on each calendar.

Order Specifications*

Quantity of Calendars (minimum order of 100 calendars) ____________

*The contact person you provided above will receive a proof for approval prior to printing. Each shipment will include shipping/handling and sales tax.Send no money now. Invoices will be sent directly from Colonial Press. An additional 3% processing fee will be charged for credit card payments.

Husker Football Schedule Cards

Share University of Nebraska-

Lincoln football schedule cards

with customers at your teller

stations or hand them out at

community events.

Order Form

2019 Husker Football

Schedule Cards

FINANCIAL INSTITUTION _________________________________________________________

STREET ADDRESS _______________________________________________________________

CITY ___________________________________________ STATE ______ ZIP ____________

CONTACT PERSON ______________________________________________________________

EMAIL _____________________________________________ PHONE ___________________

Please return orders to:

Nebraska Bankers Association

PO Box 80008, Lincoln, NE 68501-0008

Email: nbaproducts@nebankers.org

Fax: 402-474-2946

Football Schedule Cards are bundled in

quantities of 250 cards.

(Please indicate the quantity you are

requesting.)

1 bundle = 250 cards

Quantity of Bundles ____________

Husker Football Schedule cards are available only while supplies last!

Banks & Bankers (June 12- June 18, 2019)

Extraordinary Service for Extraordinary Members 6-19-2019 • www.nebankers.org • NBA Update

Banks in the News Great Western Bank (Lincoln) recently donated $7,000 to Fresh Start for safe and secure housing for women undergoing homelessness in Lincoln. Fresh Start offers services that help women understand their strengths in order to overcome the barriers that led to their homelessness. The bank has contributed more than $2 million in total in the 2019 fiscal year to the program. Henderson State Bank (Henderson) partnered with Heartland Community Schools to award a $3,200 Learn to Dream scholarship to a recent graduate. Learn to Dream is a scholarship program between Southeast Community College and local community partners that provides tuition and fees for 30 semester credit hours to recipients. Nebraska State Bank (Oshkosh) recently awarded $2,000 in scholarships to two Garden County students who plan to attend Chadron State College. (pictured right) State Nebraska Bank & Trust (Wayne) began construction of a new 14,000-square-foot building in Wayne. The new facility, known as the SNBuilding, is scheduled to open in the summer of 2020. (pictured below)

Nebraska State Bank Loan Officer Steph Yates with scholarship recipients: Osiel Cano and Osvaldo Cano.

Banks & Bankers (June 12- June 18, 2019)

Extraordinary Service for Extraordinary Members 6-19-2019 • www.nebankers.org • NBA Update

Promotions & Appointments

EXETER: Jeff Adams, loan officer,

Generations Bank.

EXETER: Makaela Holz, loan administration, Generations Bank.

LINCOLN: Mike Ulrich, chief financial officer,

City Bank & Trust

OMAHA: Jason Hansen, president,

American National Bank.

Retirements Brad Cox, Bank of Newman Grove (Newman Grove), is retiring after 23 years of serving the bank. An open house will be held in his honor June 19, from 9 a.m. – 3 p.m.

Share your news with the Nebraska Bankers Association!

Whenever your financial institution has a newsworthy event, we want to hear from you. Email your news, press releases, newspaper clippings and/or photos to news@nebankers.org to be published in an upcoming Banks & Bankers and/or featured on social media.

Facebook: @NebraskaBankersAssociation // Twitter: @nebankers