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ISSUE 6 2020
From All of Us to All of You… Thank You and Have a Safe and Wonderful Holiday Season
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OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION | NOVEMBER/DECEMBER 2020 OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION | SEPTEMBER/OCTOBER 2020
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316.265.2811 • 816.221.6300 • @BKDFS Executive 15 Doug Wareham, President and CEO Kathy Taylor, EVP, General Counsel Becky Tongish, EVP, Chief Stratagy Officer Terri Thomas, EVP, Legal Department Director 6 22 Administration Alex Orel, SVP, Government Relations Eric Stofer, SVP, Chief Financial Officer Mary Taylor, SVP, Communications and Marketing 6 President’s Message: Brighter Days Ahead By Doug Wareham, KBA President and CEO Julie Taylor, VP, Computer and Information Systems Sara Blubaugh, VP, Executive Assistant to the 8 President and CEO Washington Update: Playing the Long Game By Rob Nichols, President and CEO, American Bankers Association Bree Magee, Communications & Marketing Coordinator Lynne Mills, Receptionist/Special Projects 10 Leaders Ledger: Connecting Connectors Through Education Education and Conferences By Brenda L. Unruh, KBA Senior Vice President Education & Conferences, Member Services Brenda L. Unruh, SVP — Education & Conferences 12 2020 Lending Conference Recap Becky Milne, VP — Education & Conferences Nicole Ortiz, AVP — Education & Conferences, 14 2020 Economic Outlook Conference Recap Division Coordinator LeAnn Mott, AVP — Education & Conferences, 15 2020 KBA Trust Conference Recap Division Coordinator 16 2020 Annual YBOK Conference Recap Insurance Ryan McLaughlin, President, KBA Insurance, Inc. 18 2021 Legislative Preview, Tax Equity Returns and New Ed Griffith, EVP, Employee Benefits Legislative Leaders Elected Kent Owens, VP, KBA Insurance, Inc. By Alex Orel, KBA Senior Vice President Government Relations Susan Salyer, VP, Employee Benefits Jenny Garcia, VP Operations 20 Sabermetrics for Lenders: An Approach to Cari Charter, AVP — KBA Insurance, Inc. Maximize Profitability Legal/KBCS By Michael Fielding, Husch Blackwell LLP Jackie Kuhn, VP, Staff Attorney 22 Gwen Hill, VP, Staff Attorney Embrace New Distribution Channels; Expand Your Reach By Chris Cox, Chief Operations Officer, Apiture Allison Carpenter, VP, Staff Attorney/Senior Compliance Auditor Bobby Young, VP, Staff Attorney/ IT and HR Consultant 26 Trying to Market in a Pandemic? See What the Experts Say Adeel Syed, VP, Staff Attorney By Neal Reynolds, President, BankMarketingCenter.com Dylan Serrault, VP, Staff Attorney/Compliance Auditor Neal Barclay, AVP, Compliance Specialist/Auditor 28 To Scan or Not to Scan, That Is No Longer the Question! Jeff Narron, AVP, Compliance Specialist/Auditor By Bret Mills, CoNetrix Kelly VanZwoll, Staff Attorney and Government Relations 30 Kansas Bankers Association Announces its Endorsement Meridith DeForest, Administrative Legal Assistant of Shred-it Koren Kabriel, PT Administrative Legal Assistant 32 Briefly in Kansas Banking
© 2020 Kansas Bankers Association | The newsLINK Group, LLC. All rights reserved. The Kansas Banker is pub- lished six times each year by The newsLINK Group, LLC for the Kansas Banker 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 Kansas Bankers Association, its board of directors, or the publisher. Likewise, the ap- pearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Kansas Bankers is a collective work, and as such, some articles are submitted by authors who are independent of the Kansas Bankers Association. While the The Kansas 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.
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BrighterDays Ahead By Doug Wareham, KBA President and CEO
s the final days of first wave of the coronavirus took hold because our mission of supporting our 2020 draw to a close, I back in early March. Following the lead member banks gave us a collective and believe it’s important to of Kansas bankers, who were deemed meaningful purpose. reflect upon this very essential workers by state and federal tumultuous year and regulators, the KBA has remained open I want to thank KBA’s Board of Directors, our Division Boards, ask ourselves an important question: In for business throughout this crisis. We Athe face of this historic pandemic, did and our many KBA committees worked diligently to serve as a lifeline for for the incredibly important work we accomplish our mission? Answering Kansas bankers who were, in turn, doing they continued under difficult that question begins by reviewing KBA’s everything in their power to support and circumstances this past year. In spite mission statement: assist their customers and communities. of this unprecedented roller-coaster We also learned (just as you have) to Together we support our member banks ride, Kansas bankers have kept your harness a virtual world for meetings and and bankers with leadership, advocacy association moving forward. Significant events, and we’ve learned to disseminate and education to benefit the communities progress was made this past year on information timelier and more and customers they serve. several strategic planning objectives, efficiently to you: our customers. Once including strengthening KBA’s political Just like you, your KBA staff team was again, we simply followed your lead muscularity during the recent elections forced to adapt and overcome when the and kept working; we kept grinding that saw an unprecedented number
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The The banks Financial Viability: Kansasof are all facing the same challenges. Shifting consumer habits, competition from outside traditional banks, regulatory climate and taxation all affect banks’the ability operateto and maintain financial stability. Sacrificesto service is annot option, so member banks must seek other means improve to their performance. Kansas Bankers Association provides the answer thisto need through its catalog supportof services. The benefits membershipof with the Kansas Bankers Association extend the banks’ abilities focus to their on most important function, serving their communities.Members know that the KBA can them help alleviate the duress from influences. outside The banks Connectors: Connecting in Kansas connect the fabric of our communities. the At heart of nearly every success story in Kansas is a bank that was willing help. to The banksof Kansas connect the dreamers and doers the of state with the resources they need make to things happen. The connectsKBA member banks with the resources and network they need remain to an essential part the of lives the of communities they serve. these hope principlesWe will serve as a keen reminder that the collective the of role Kansas banking industry importantis more today than Kansasever. bankers led through this crisis, and they will lead the rebuilding economy our of state’s coming this of out crisis. Your association stands with ready work to inyou the coming year ensure to brighter the days for communities and customers serve. you principles that will guide the messaging thisfor campaign is provided below: Banker Driven: The Kansas Bankers Association provides a meaningful differencepoint of by being banker driven. The decisions by made the association are always made with its membership in the forefront. Membership can trust that the organization is acting in their best interest because the membership is leading the action. With 98% participation in the association, the representation is an accurate reflection Kansasof banks. All voices are heard because nearly every participates. voice with you in the coming year coming year with you in the for for ensure brighter days to and customers communities the you serve. Your association stands ready to ready to association stands Your work We have also have made greatWe strides in preparing a statewide industry image campaign that will reach every corner Kansasof This in 2021. campaign will tell the positive story our of industry and will it highlight the our of role association the to policymakers, business and civic leaders, as well as the general the public. of A snapshot of pro-bankingof candidates elected to serve in the Kansas also Statehouse. I’m extremely report to proud a steadily increasing number Kansas of banks and growing) that are benefiting(117 from the legal and compliance Kansasassistance provided KBA’s by Bankers Consulting Services. WASHINGTON UPDATE
Playing the
By Rob Nichols, President and CEO, American Bankers Association
fter months of of, and we have made tremendous months ahead — keeping an eye on planning and progress in recent years in advancing a economic indicators, responding to preparation — and if pro-growth, common-sense and data- problems early and helping to restore we’re being honest, driven approach to banking policy. our nation’s economy. ABA stands a little angst — at the ready to work with the next In fact, many of the significant Americans went to the polls in record administration and lawmakers from pieces of banking policy have been Anumbers in early November to cast both parties to bolster the economy, bipartisan in nature. Take for example their votes in presidential, state and S. 2155 — the regulatory reform law that increase opportunity and create a local races. The contest topping the Congress passed in 2018. That effort brighter future for all Americans. ticket was one of the most high-profile was a testament to how lawmakers and most contentious presidential races At the same time, we won’t lose on both sides of the aisle were able to in recent memory. sight of our other policy priorities. come together to help clear some of We’ll continue to put our policy and the roadblocks that stood in the way of But with major media outlets calling advocacy expertise to work to address banks’ ability to serve their customers, the race for former Vice President Joe the important issues facing our clients and communities. Biden and Senator Kamala Harris, ABA industry, from AML/BSA reform to is preparing for a Biden administration That same cooperative spirit is CECL to cannabis banking. to take over in early 2021. It’s also desperately needed today, when so As one might expect from a trade looking likely that Congress will remain many families and businesses are still divided, with Republicans in control of feeling the extreme economic effects of association that’s been around for nearly the Senate and Democrats maintaining the COVID-19 pandemic. As we look a century and a half, our eyes are on the control of the House — though with two ahead to 2021, the economic recovery long game. And while some of the tactics critical Senate races in Georgia going to will be top of mind for policymakers in we employ may change with the times, runoff elections, it will still be several Washington and the financial industry our agenda will remain the same — and weeks until we know for certain. will have an important role to play in will continue to be driven, first and the ongoing response. foremost, by the banks we serve. Regardless of how the balance of power may shift, ABA will continue to Banks played a monumental role as draw on its nearly 150-year history of economic first responders in the early working alongside both parties to find days of the pandemic to address the Email Rob Nichols at common sense policy solutions that economic dislocation that stemmed [email protected]. will support economic growth. It’s a from the healthcare crisis, and we’ll longstanding tradition that we’re proud continue our work in the weeks and
8 Pub. 9 2020 Issue 6 9 | 855.747.4003 727.475.9827 727.475.9827 [email protected]
hold and members’ perfect tool the to entice Magazines areMagazines your attention. To advertise in this magazine, contact us today. us contact in this magazine, advertise To Reach your customers with print. print. with customers your Reach LEADERS LEDGER
CONNECTING CONNECTORS Through Education
By Brenda L. Unruh, KBA Senior Vice President Education & Conferences, Member Services
espite the turmoil experienced this year, we Feb. 3, our Kansas Ag Bankers Conference March 3-4, our Tri- choose to focus on the positives that have State HR and Marketing Conference March 18-19 (cohosted arisen, such as the opportunity to learn. by KBA, the Nebraska Bankers Association and the Missouri Throughout 2020, we’ve all had to learn Bankers Association), as well as an exciting new addition to resiliency, creativity and how to “pivot” on our lineup, the inaugural Women In Banking Conference, any given day in ever-changing circumstances. Your KBA March 25-26. DEducation and Conferences team thanks you for putting learning and the continuing education of yourself and your Our job is to connect connectors through education. Each staff as a high priority by attending our many conferences, of you has cultivated intricate connections within your own webinars and seminars in 2020. While we miss seeing each communities, with each other and with us. We continue to honor and every one of you, we know that the health and safety of those connections by providing you with the same high-quality our bankers and our staff are vital to all of the communities we programming you’ve come to expect from YOUR association, serve. With that in mind, we have made the difficult decision just in a new format. We look forward to what the rest of 2021 to continue all our events through the first quarter of 2021 in a will look like as we move back to in-person programs, as well as virtual format only. hybrid events that will allow attendees to choose how they attend Major programs that will break new ground by becoming and interact! Please check our website often at ksbankers.com for virtual events this year will be our Public Affairs Conference the latest updates and information.
10 Pub. 9 2020 Issue 6 11 ksbankers.com Visit us online! us online! Visit 2020 Lending Conference Recap
he Kansas Bankers profitable loan portfolio in a short The afternoon began with a series Association launched period of time. of concurrent breakout sessions. their virtual 2020 Joe Micallef shared Will You Be My Next up, Dr. Stephen Happel shared Annual Conference for Customer? — Create Proposals That his outlook on the economy with his Lenders on October Guarantee Your Customers Will Say presentation 2020 Election Outcome: 1. KBA Chairman Jonathon Johnson Yes. Mike Wear, President of 39 Acres, Trump vs. Democrats. While the Tkicked things off with a welcome discussed Loan Portfolio Management election was still a month away, Dr. message, sponsor recognition and Tools and Strategies. Karen Shannon of Happel discussed the most recent Blue introductions, then turned things Ollis Akers Arney presented Building Chip forecasts for 2020 and 2021, and over to Joe Micallef from Grow UP and Sustaining Trust for Lenders. put them in a historical perspective Sales for his presentation called Are After a brief break, the second round tied to different presidential You a Quoting Machine or a Trusted of concurrent sessions began with administrations since WWII. Advisor? Joe shared that as a lender, Joe Karlin of Karlin Consulting and the job wasn’t simply to quote interest Our lunch speaker was Cary Sifferath, his topic, A Commercial Real Estate rates but to be a valuable finance Senior Director of Global Programs with Apocalypse? How to Prepare Your partner who helps your clients the U.S. Grains Council, who spoke about Bank for Its (Possible) Arrival, as well achieve their goals. Building trust and global trade, and trade with China. He as Dr. Bruce Morgan of Professional enhancing your value as a finance highlighted what is currently in play and Bank Services and his topic of Loan professional can help you grow a what has yet to come to fruition. Underwriting, Risk Grading, Risk
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for thefor Kansas City Chiefs, sharing Your Off Life Take Maskthe — Is DanStory Telling? shared Worth highs hisand of lows 25 year career with the Chiefs, as well as his passionate preoccupation encouraging of others striveto the for best in life and enjoy to every step along the way. Please join us in Manhattan, Kansas, next the year for October 2021 on 7-8 Annual Lenders! Conference for
for the for the
shared information leveraging on risk modeling and rules-based automation. The second beganday withChris Dr. Kuehl Armada of Corporate Intelligence discussing and Economy The 2021 Beyond, Karlin Joe by followed Karlin of Consulting sharing Shifts his of topic Impacting Lending Can — What Do We Prepare. to The conference concluded with Dan the mascot Wolf, Meers, is who KC October 7–8 Please join us in Manhattan, Kansas, next year on year on next Kansas, Manhattan, join us in Please 2021 Annual Conference for Lenders! for Annual Conference 2021 Closing was day one Mike out with Wear his keynote, Closing the Experience Gap, in which effectively to explored he how prepare the next bankers generation of creditfor risk they when, pre-COVID, had only experienced the of one longest economic expansions in history. U.S. He Rating and Risk-based Loan Pricing. Jackie from Shazam Rowlow also shared PipelineCreating Your for a Talent CommunityBank. 2020 Economic Outlook Conference Recap Gene Marks Ed Seifried Joe Sullivan
he 2020 Economic capital, accounting, liquidity, stress from Centera Bank in Sublette. Mike Outlook and Risk testing, earnings, people and exam welcomed Dr. Ed Seifried of Seifried Management considerations that every bank must & Brew for his general session topic Conference broke keep top-of-mind considering the of The 2020 Recession: Just How Bad new ground by going economic headwinds. Is It, and When Will It End? Dr. Ed virtual this year. On Wednesday, Nov. said that the 2020 economic collapse Attendees were then divided into T4, KBA Chairman Jonathon Johnson will be deeper than any economic breakout sessions including Managing welcomed over 100 attendees with downturn since World War II. He the Downturn: Best Practices in ALM his opening remarks and sponsor cataloged the economic damage by by Dennis Zimmerman and Matt recognition. He also introduced this pandemic, as well as describing Maggi of Commerce Bank; Creating the KBA’s new mascot, Flint! KBA the monetary and fiscal policies Funding Stability During Uncertain members will begin seeing the new implemented to end the downturn, buffalo icon on our publications, our Times by Lance Caldwell of IntraFi and most importantly, he attempted to website and at our events. (formerly Promontory Interfinancial determine when the recovery begins Network); and Managing Risk Kicking off the opening general Without Breaking the Bank: A whether the economy will follow the session was Gene Marks of The Marks Benchmarking Update by John Meyer path of one of the suggested recession Group, P.C. His session was entitled: of Cornerstone Advisors. possibilities: the “V,” “U,” “W,” or “L” Beyond the Pandemic and After the shaped recovery. Elections: Issues, Challenges and Wrapping up day one was Joe Sullivan Our final presentation was entitled Strategies to Grow your Business of Market Insights. He spoke on the The One Compass — Coach and the over the Next Two Years. He spoke topic of Leadership in the Era of Cowboy, led by Kevin Chase and about the obstacles that are impacting Digital Transformation. He noted that current cash flow as well as longer- digital leaders must blend traditional Brandon Clark. They shared their term strategies for growth, and shared skills with new competencies that insight on culture driven by four what leaders are doing to navigate help foster an environment for all points of direction called ACES: their companies, their employees employees to adapt and thrive. New Accountability, Character, Energy and and partners toward growth and approaches to learning recognition Service. It provided an uplifting end to profitability over the next two years. and use of physical space must be our 2020 conference. taken. Senior leaders must share a Please mark your calendars and save Next, Peter Weinstock from Hunton vision for how technology can improve the dates of Nov. 3 and 4, 2021, as we Andrews Kurth LLP discussed their bank’s competitive position. Strategic Plans, Capital Plans and Risk meet in person again in Wichita for Appetite: How to Fit Them Together Thursday, Nov. 5, began with a welcome the 2021 Economic Outlook and Risk in a COVID World. He reflected on by committee chairman Mike Cearly Management Conference.
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authorities. also She talked the about andeconomy what expect to jobs for and consumers and the market and what investors can expect. The market structure and its effect trading on and stocks and regions at a look and styles investingof also were included in her presentation. In conclusion, Linda what happens when over the went dust settles regarding the election, social distancing and the good and bad news investors. long-term for Our closing keynote this year was our good friend, Rocky Miskelly, of President Renasant Wealth Management and senior trustfor Renasant officer Bank. Rocky great some advicegave and tools how on continueto selling during a pandemic. Communication and thinking is key, theoutside is box also important. Be sure alwaysto shape add or value in way, some form and continue to have conversations that are meaningful. If possible, invest in technology, so the opportunity for e-signatures are available. be afraid Don’t hostto client appreciation events as well. Rocky’s message was very encouraging in these uncertain times. The adjourned.conference light our on current investment outlook and the opportunities are we seeing across the global markets. also He shared his perspectives key on topics fromeconomic growth, employment, consumer confidence, theCOVID-19, implication monetary of and fiscal stimulus and more. The closing speaker for the firstmorning was Jeff Bottenberg, president vice and trust BOK officer atFinancial. Jeff discussed the statutory ethical duties that trust officers follow must when administering trusts and fiduciary accounts. also He discussed the Kansas Rules Professional for Conduct that apply attorneysto serve who as fiduciaries. These rules were further explained and clarifiedby case law. Kicking off the second morning of the KBA Conference Trust was Jack Liekar, and President Vice Senior Regional Consultant with Federated Hermes, our Platinum He Sponsor. introduced the opening speaker the for morning, Linda Duessel, Senior Equity Strategist with Federated Hermes. Linda discussed the unprecedented global response fiscal by and monetary he 2020he KBA Trust Conference had its first- ever virtual conference. programThis year’s once again had a phenomenal
Patrick Smith, vice with president Morgan Asset Management, thenJ.P. chiefintroduced David global Kelly, Dr. strategist and the head of Global Markets Insights Strategy Kelly shed Dr. Team. Attendees were welcomed by KBAAttendees by welcomed were DivisionTrust Karnes Joe President and KBA Chairman Johnson. Jonathon opened The conference withLarry Dr. Divers, executive vice of president Cannon Financial Institute. Larry knowledge a comprehensive brought investments,of retirement plans and wealth management into his session. guidedHe the attendees to how on and the monitor implement provisions theof CARES Act and Secure Act as well as the IRSNotice 2020-50 and the new required minimum distribution rules under IRS Notice 2020-51. speaker line-up the over course two of alsomornings. had several We our of valued sponsors join in making on this a very successful virtual experience.
2020 KBA Trust Conference Recap Conference Trust KBA 2020 T 2020 Annual YBOK Conference Recap Due to COVID concerns, this year’s Annual YBOK Conference was held virtually on Oct. 28, 2020, with over 50 participants.
BOK President Brian a positive outlook on life and in our our first-ever virtual chairman panel. Whitesell (Landmark everyday job duties during these trying The panel answered several questions National Bank) times, and they were well received by in regard to what advice they would welcomed everyone their audience. give someone going into a leadership to the conference and position for the first time as well their The next speaker of the day was thanked this year’s sponsors. Whitesell thoughts on the unprecedented actions Kansas U.S. Senate Candidate Ythen introduced the YBOK Board and taken by congress and the Federal Congressman Dr. Roger Marshall. He turned the mic over to KBA Board Reserve to combat the economic joined us while out on the road on his Chairman Jonathan Johnson. Jonathan downturn caused by COVID-19. campaign bus just five days before the gave a KBA update about the work that election, which he won. Senator-Elect has been done to address our strategic After the panel, KBA’s SVP, Marshall talked about his legislative plan. He also discussed the importance Government Relations Alex Orel gave priorities and what he hears from of being engaged in the political a brief election update and talked Kansans across the state amidst a process and being leaders not only about the state and federal legislative pandemic. Senator-Elect Marshall also in their institution but also in their priorities that the KBA’s government talked about his work as vice chairman community. relations team is working on and of the board for Farmer’s Bank & what to expect in next year’s state Trust in Great Bend and thanked the The first speakers of the day were The legislative session. Coach and The Cowboy. For years, banking industry and the KBA for its Brandon Clark (The Coach) and Kevin support in his campaign. Our last speaker of the day was Chase (The Cowboy) generated top Astronaut Sam Gemar, who shared Just after hearing from Dr. Roger many stories during his time as an performance from their respective Marshall, we took a short commercial astronaut and how he overcame many teams within the community of break to thank our sponsors for this struggles of his career. He was able Derby, Kansas. Brandon was a high year’s conference and played the two to relate that to the hard times we are school football coach, and Kevin new KBA videos that have played on facing during this year’s pandemic and was Chairman and CEO of Verus TV, one called “There will be a bank” Bank. Faith and friendship brought that was produced to help promote how we can overcome any obstacle if them together more than 15 years the image of the banking industry and we just persevere. ago. Today, they both enjoy sharing a another video featuring KBA President We finished out the day with our common passion for creating positive Doug Wareham talking about the annual meeting and transition of and meaningful team culture. Kevin response the banks in Kansas had officers and board members. After the has served as the Derby Football in response to COVID-19. Both are transition of officers, incoming YBOK Program’s culture coach for the past available to watch on our website. President Derek Bailey (Great Western four years. Together, he and Brandon Bank) addressed the conference and developed a culture program that has After our commercial break, we thanked the speakers and sponsors proven successful from the gridiron to were able to hear from Frank Carson for their time and support. Next the board room. (chairman, Carson Bank), Charlie Chandler (chairman, INTRUST year’s YBOK Annual Conference is The Coach and the Cowboy offered Bank), and Jeannette Richardson (vice scheduled for Sept. 8-10 in Wichita, so many insights on how we can provide chairman, Prairie Bank of Kansas) for mark your calendars!
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4 Virtual -
March 3 CONFERENCE
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