INDEPENDENT COMMUNIT Y BANKS OF NORTH DAKOTA C OMMUNITY B ANKER NEWSLETTER Official Newsletter of Independent Community Banks of ND Jan/Feb 2021 Issue Jan/FebPO Box 2021 6128 Issue ~ Bismarck, ND 58506 ~ e-mail: [email protected] ~ Phone: 701.258.7121The ~Community icbnd.com Banker Together We Prosper Quick Look Inside This Issue: 3 Chairman & Presidents Remarks INDEPENDENT COMMUNITY 4 Flourish Column: Rebeca Romero Rainey, ICBA President and CEO 5 From the Top Column: Noah Wilcox, BANKS OF NORTH DAKOTA Chairman of ICBA 6 Portfolio Management, Jim Reber, PO BOX 6128 President and CEO of ICBA Securities 7 ICBA News: Multiple 8 Innovation Station: Charles Potts, BISMARCK ND 58506-6128 ICBA Sr Vice President, Chief Innovation Officer 9 Leadership at All Levels: Lindsay LaNore, Group Executive Vice 701.285.7121 President of Community Banker University INFO @ ICBND . COM 10 Our New Associate Member 12 Main Street Matters: ‘Policymakers WWW ICBND COM Share Plans to Support Community . Bank Innovation at ThinkTech Summit’ by Michael Emancipator 13 ICBA Newswatch: Multiple 14 CBIZ Wellbeing Solutions Senator John Hoeven 16 ‘HSAs: Don’t Take a Use-It-Or-Lose-It Approach by Jodie Norquist, Ascensus 338 Russell Senate Office Building 20-21 FDIC Compliance Newsletter— ’Meeting Credit Needs Through Washington DC 20510 Specialized Lending Programs’ Phone: 202-224-2551 23 ‘Why It’s Time to Embrace Digital Lending’ by Simon M Fisher, CSI Fax: 202-224-7999 24 SBA Issues Guidance on Resolving PPP Loan Issues Legislative Aide: Tyler Hardy 25 Office of Attorney General: Multiple 26 Social Security Administration— [email protected] Interventional Cooperative Agreement Program 27 National Terrorism Advisoty System: If Senator Kevin Cramer You See Something, Say Something 28-29 Office of Attorney General: Multiple 400 Russell Senate Office Building 29 North Dakota Management and Budget: 2020 ND Financial Report Washington DC 20510 Released; Morrissette Reappointed to Phone: 202-224-2043 the Governmental Accounting Standards Advisory Council Mobile: 202-981-1090 30 Resources: PPP Program 31 ICBND Educational Opportunities: Community Bankers for Compliance Legislative Aide: Jason Stverak 2021 Program; Emerging Leaders Development Group Annual [email protected] Membership and Winter Session 33 North Dakota Management and Budget: ND State Capitol’s Remodeled South Entrance; Breuer Named State Congressman Kelly Armstrong Chief People Officer 1004 Longworth House Office Building 34 Educational Opportunities: Barret School of Banking Crisis Leadership; Washington DC 20515 2021 HR Summit(Virtual Mini Session); Vendor Management Summit; and Phone: 202-225-2611 Barret School of Banking Commercial Fax: 202-226-0893 Lending Academy 35-40 ICBND Members in the News 41 ICBND Classifieds Legislative Aide: Connor Crowley 42-43 ICBND Educational Opportunities: [email protected] Webinars: November 2020– March 2021 44 ICBND Directory / Our Advertisers Consent for Use of Photographic Images – Registration and attendance at, or participation in, ICBND meetings and other activities constitutes an agreement by the registrant to ICBND’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in social media, photographs, videotapes, electronic reproductions, and audiotapes of such events and activities. Jan/Feb 2021 Issue 2 The Community Banker Together We Prosper Chairman’s Remarks Happy New Year to all my fellow bankers throughout pandemic under control. Thank you to all the front this great state. The chaos of 2020 is now behind us line workers, nurses, doctors, EMT’s; and the list could and unfortunately, 2021 started like we were actually go on and on. Do let your guard down just yet. Keep looking in the rear view mirror for part of January. doing the right thing to keep yourself, your family and With the excitement in Washington over the past your fellow employees safe. several weeks, one tends to question the civility of our Lastly, I want to encourage your bank to take nation at times. I am glad that cooler heads prevailed advantage of the learning opportunities with ICBND. and hope that “We the People” will begin to use some The Emerging Leaders program is a great experience logic and compassion to preserve our liberty and for your young and upcoming bankers. The freedom instead of madness and violence. The networking and leadership skills learned throughout inauguration of our new President will likely bring this program has been proven by many. This program some changes to us as citizens, as well as, us as begins in early March; so get signed up now. The bankers and business people. The ND Legislative online webinars and training opportunities are also session is in full swing and will also bring some available to those wanting to sharpen their skills. And changes to our state. Rest assured, the people we hopefully, in person training will once again begin have working for ICBA and ICBND will keep us later this year. informed and will work for the betterment of our Chad Aberle industry. I am looking forward to the coming year. I believe 2021 will be another successful year, filled with many Citizens State Bank of Finley I want to commend all North Dakotans for their hard happy and fun-filled memories. It will take some hard work in suppressing the trend of COVID. As I write this Finley work from all community bankers to set the standard today, we have the lowest levels of active cases within ICBND Chairman of logic, compassion and kindness. We are the the state since late last summer. The peak of illnesses backbone of our communities and are looked upon as towards the end of the year began to get scary and leaders. Here’s to a great year! people were wondering when it will stop. But with the determination of our people, we reversed that trend and are moving in the right direction to get this Chad President’s Remarks Happy 2021 everyone! I know this is going to be a Legislature. The session convened January 5, 2021 so great year and I hope it’s starting off that way for you we are over three full weeks into it as I write these and yours. Things in life are often relative and comments. The final bill deadlines were earlier this compared to a baseline. If 2020 is our baseline for week resulting in nearly 900 bills. We are tracking evaluating 2021, then hallelujah! I like our chances for about 80 of those. Some we are just monitoring while improvement. Covid cases are down and we’re seeing actively involved in other higher priority bills. It’s some light at the end of the tunnel with respect to certainly an interesting process and I assure you that this dastardly pandemic. I also know that 2021 will ICBND is there every step of the way advocating the have its challenges, I just hope they aren’t the same interests of community banking in our state. challenges that we’ve faced the past almost year now. I provide weekly updates of the session and the Having said that, 2020 was a showcase year for the measures that are important to us. You can find those value proposition community banks provide. You all updates at ICBND Legislative Updates. I try to provide were front and center helping your friends, neighbors a quick update of the past week’s activities and then and communities deal with uncertainty and fallout provide more detailed information about our bill from the pandemic. We might have even thought the tracking list and upcoming hearings. You can also Paycheck Protection Program (PPP) was behind us. If request to be on the distribution list by contacting Barry Haugen so, we were wrong because round two is in full swing Nanci or me. ICBND President and I know that you all are stepping up and doing your part. Thank you for that and for letting me be a Until next time, please take care! small part in assisting you. And we may not be done given the high dollar stimulus package being proposed Barry by President Biden. In addition to another round of PPP, we are off and running with the 67th Assembly of the North Dakota Jan/Feb 2021 Issue 3 The Community Banker Together We Prosper FLOURISH COLUMN As the calendar flipped to personal connections and knowledge sharing as ICBA 2021, we didn’t magically relationships, it speaks to the LIVE, and we’re excited to return to a simpler, pre- needs of our society today. engage with you and your pandemic era, unfortunately. And, while relationships may entire team in this new way. We are still grappling with a look different in a virtual global health crisis and a hefty world, the links they create So, while this early 2021 amount of ambiguity around between people hold firm. No environment remains what comes next. Amid such matter if you’re serving your tumultuous, I encourage you uncertainty, it’s easy to focus customers in a lobby, on the to focus on the stability in on what we don’t know. But, phone or via a web chat your continuous attention to as community bankers, we feature, you are working hard the needs of your R EBECA R OMERO have a North Star in our to exceed their expectations. communities. You have R AINEY mission, and we can find unwavering dedication to P RESIDENT AND consistency in what we know And ICBA walks beside you on those you serve, and that CEO to be true in this rapidly that journey. For example, we remains true no matter the changing world: Community know that innovation—both circumstances. ¡ banks serve the needs of their for your customer experience communities.