Community Bankers of Michigan presents: Building Powerful Bank … · 2018. 10. 8. · Please note:...

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THE OFFICIAL NEWSLETTER OF COMMUNITY BANKERS OF MICHIGAN • 2016 • ISSUE 1

Community Bankers of Michigan presents:

Building PowerfulBank Managers

In partnership with

Building PowerfulBank Managers

president’s cornerA Note from Judith D. SullivanDear Community Bank Colleagues,The future of community banking depends upon a fresh generation of bankers and community bank supporters. “Building Powerful Bank Managers” is CBM’s new program aimed at the next generation of community bank leadership. CBM’s “Building Powerful Bank Managers” is designed for highly motivated, rising star managers in Michigan’s community banks to enhance their leadership, organizational, and performance skills. This is a great opportunity for our next generation of community bankers to gain the skills and knowledge to turn leadership concepts into actions, and leadership goals into future career milestones. Future community bankers must become experts at marketing themselves, as well as their bank products and services. Most importantly they must become leaders, not only among their industry peers, but in their communities as well.The “Building Powerful Bank Managers” program keeps members on the cutting edge of community banking through leadership training and taking advantage of opportunities to network with peers and colleagues to establish valuable relationships for successful careers. Don’t miss this opportunity, Tuesday, March 15, 2016. Register online at: www.cbofm.orgAs we look ahead in 2016, we continue to work on reform efforts that will positively impact community banks. Working alongside our ICBA team, we have a number of issues to address in the first part of this year, with Regulatory Relief leading the agenda.ICBA’s Plan for Prosperity for the 114th Congress is a “legislative platform” or set of community bank priorities positioned for advancement. In legislation, the Plan is best represented by the House and Senate versions of the CLEAR Relief Act (H.R. 1233 and S. 812), and the Community Bank Access to Capital Act (H.R. 1523 and S. 1816). The Financial Regulatory Improvement Act, S. 1484, which passed the Senate Banking Committee on May 21, 2015 includes a number of robust regulatory relief provisions.We also have been working closely with ICBA in its ongoing campaign against the Financial Accounting Standards Board’s burdensome new accounting standards. We are gaining traction. In a victory for ICBA and community banks, FASB agreed to extend the Current Expected Credit Loss implementation period to 2019-20 from 2018 or sooner after receiving more than 1,600 messages from community bankers in recent weeks.We continue in the effort, joining ICBA as it leads a forceful grassroots initiative against a plan that would require every community bank in the country to change how it accounts for loan-loss reserves. We need our members of Congress to sign onto a joint letter from Reps. Scott Tipton (R-Colo.) and Patrick Murphy (D-Fla.) opposing the new standards. Other issues we are watching closely:• The National Credit Union Administration (NCUA) is pursuing an aggressive and illegal regulatory agenda that would loosen restrictions on commercial lending and significantly broaden credit unions’ field of membership. These regulatory proposals circumvent Congress and further erode the distinction between tax-exempt credit unions and tax-paying community banks.• The CFPB deferred the implementation date for new mortgage disclosure and timing requirements under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA) from August 1 to October 3, 2015. ICBA continues to urge the CFPB to provide a clearly-defined safe harbor from enforcement and liability for a reasonable period following implementation as well authoritative guidance and adjustments to the rule where warranted.• ICBA is combating data breaches and communicating the community bank perspective on this critical issue. ICBA is advocating core data security principles to Congress, other policy makers, the payment card networks, and other private-sector standards organizations. ICBA is promoting legislation, the Data Security Act (H.R. 2205/S. 961), that would apply federal data security standards and notice requirements to all entities that store consumer data.A full outline of ICBA Current Top Issues – First Quarter 2016 is available to review. Make your voice heard!! Click on ICBA’s Advocacy Tools at www.icba.org and learn more.Finally, please make sure to put the ICBA Washington Policy Summit on your calendar and plan to attend. The ICBA Washington Policy Summit is April 24-27, 2016. I strongly encourage our community bankers in Michigan to take the time and attend this important event.The Policy Summit will give you the opportunity to get the latest updates from federal regulators and to meet and lobby your representatives in Congress.Sincerely,

Judi Sullivan, CAEPresident and CEO

Judi Sullivan

2016 | www.cbofm.org | Issue 1 1

table of contents

CHAIRMANDouglas J. Ouellette

Mercantile Bank of Michigan,Mt. Pleasant

CHAIR-ELECTShelly Brooks

Mayville State Bank, Mayville

VICE CHAIRMANCortney Collison

Union Bank, Lake Odessa

SECRETARY/TREASURERRobert Wolak

Chemical Bank, Caro

PRESIDENT/CEOJudith D. Sullivan

CBM, East Lansing

IMMEDIATE PAST CHAIRMANMark A. Kolanowski

Hasting City Bank, Hastings

ICBA STATE DIRECTORPeter Kubacki

The Dart Bank, Mason

CHAIRMANJames Bosserd

ChoiceOne Bank, Sparta

PRESIDENTJudith D. Sullivan

CBM, East Lansing

VICE PRESIDENTMary Anne Czubko

CBM, East Lansing

SECRETARY/TREASURERTimothy Ward

Eastern Michigan Bank,Croswell

DIRECTORSJulie Goll

Blissfield State Bank,Blissfield

Jeff KopelmanMain Street Bank,

Bingham Farms

D. Scott HinesKalamazoo County State Bank,

Schoolcraft

Robert FisherLake-Osceola State Bank,

Baldwin

Douglas J. OuelletteMercantile Bank of Michigan,

Mt. Pleasant

DIRECTORSMichael BurkeCSB Bank, Capac

Bruce CadyLapeer County Bank & Trust Co.,Lapeer

Jay DubeyThumb National Bank & Trust Co.,Pigeon

Jae EvansIsabella Bank, Mt. Pleasant

James NorthFirst National Bank of St. Ignace, St. Ignace

Eugene LovellFirst State Bank,St. Clair Shores

David WilliamsUpper Peninsula State Bank,Escanaba

GENERAL COUNSEL & MEDIASPOKESPERSONMichael A. KusKus Ryan & Associates, PLLC

STAFFJudith D. SullivanPresident & CEO

Mary Anne CzubkoVice President of Education

Thomas M. RiceDirector of Member Services

Margaret DenbyExecutive Assistant

Donald P. MannRegulatory Liaison andConsultant

Sally PetersCommunications Consultant

Marcia HuneBill ZaagmanGovernmental ConsultantServices Inc.

James L. HarvinFinancial Services andInsurance Consultant

CBM 2015-2016 MCBS 2015-2016

officers + directors

Please note: With the exception of official announcements, the Community Bankers of Michigan (CBM) and its staff disclaim responsibility for opinions expressed and statements made in articles published in the CBM newsletter. This publication of CBM is intended to provide accurate and authoritative information regarding the subject matter covered. This service is provided with the understanding that CBM is not engaged in rendering legal, accounting, or other professional services. If you require legal advice or other expert assistance, the services of a competent professional should be sought.

IN THIS ISSUE

2 | Fine Points: Influence and Action

PRODUCTS & SERVICES

4 | Keep the Cash Flowing

5 | Business Loan Protection for Community Bankers of Michigan Members

7 | CBM Endorsed Member Companies

EDUCATION

8 | Building Powerful Bank Managers

9 | Basic BSA Institute

9 | Michigan Bank Director’s College

9 | 2016 Credit Risk Management Training

10-14 | CBM Webinars by Category

14 | Upcoming Education & Training Events

15-19 | COMMUNITY CONNECTIONS

2 2016 | www.cbofm.org | Issue 1

fine pointsInfluence and ActionBy Camden R. Fine, President and CEO of ICBA

As I’ve said time and again, having a place at the policymaking table in Washington isn’t simply

important for community banks—it’s essential. As I’ve also repeatedly assured, ICBA will always pursue and protect the interests of community banks, and only the interests of community banks, with unsparing energy and action—and we do.

ICBA’s hard-fought legislative successes last month that protected community banks from steep Federal Reserve stock dividend cuts and enacted valuable community bank regulatory relief validate both longstanding statements. Some background details tell the story.

First, when the idea to cut the Federal Reserve dividend was initially proposed last July, ICBA immediately spoke out against it. We recognized right away how such a rash and shortsighted policy maneuver would upend a century-long underpinning of the U.S. banking system. The drastic 75 percent cut first introduced—devised as an easy revenue raid for an intensely negotiated federal transportation funding package—made the issue extremely serious for our banking system in general and for 1,800 community banks that are Federal Reserve members in particular.

So ICBA mobilized to educate lawmakers, both publicly and behind the scenes. In many one-on-one meetings we pressed our reasons for scuttling any Fed dividend cut. Soon we were backed impressively by nearly 2,700 letters from vocal community bankers, many of whom also spoke directly with their congressional representatives. A letter from 43 respected state banking associations opposing the dividend cut was also an important boost to the cause.

Along the way, ICBA also continued to engage lawmakers on our association’s regulatory relief measures for community banks, the Plan for Prosperity. The groundwork for ICBA’s noncontroversial regulatory relief measures had been well prepared during the previous two years. Hearings had been held. Several bills cleared the House or the Senate. Key congressional leaders, including pivotally in this fight House Financial Services Chairman Jeb Hensarling (R-Texas), were on board. Through

persistence, community banks were in prime position.

When the dust settled after a burst of final calls, emails and meetings, unfortunately a decisive number of lawmakers wouldn’t abandon some form of a Fed dividend cut. But those same lawmakers, hearing our case and cause, supported final legislation that exempted the vast majority of community banks and mitigated the dividend cut on those banks not exempted. The really good news is that the final legislation included several key Plan for Prosperity regulatory relief measures. It also jettisoned an ICBA-opposed provision that would have extended higher mortgage-guarantee fees that lenders pay Fannie Mae and Freddie Mac.

The outcome wasn’t exactly what ICBA advocated. Nevertheless, what’s more important is that nearly all community banks were protected and many will avoid some regulatory costs and headaches, and significantly so for some.

All of this happened because of the dogged hard work of ICBA, community bankers and our state association affiliates. None of it would have occurred without us already having had a seat at the policy table. The same must be said for numerous other policy victories—from winning broader Qualified Mortgage definitions for rural lenders to halting extreme IRS reporting requirements on depositors. With your continued support and involvement, there is almost no limit to what we can achieve in 2016.

Camden FinePresident and CEO

of ICBA

2-8-2016 5:03 PM Jessica.Bidne / Watson, Kris (DET-MEW)

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products + servicesKeep the Cash Flowing – Techniques to Create Adequate LiquidityBy Jim Reber

This just in: The Fed, and economists, and the bond market all agree on the future path of Fed Funds, at least through

2016. And within a range. As of the start of 2016, Federal Reserve board members’ comments seem to anticipate three to four additional bumps to overnight rates this year. Several recent surveys of economists show that their expectations are for about three more tightenings. And even the futures contracts, which have very grudgingly built in prospects for Fed action, are now forecasting about three more hikes.So, if that happens, what will be the impact on your community bank investment portfolio’s cash flow? Most managers have access to financial models that will tell them prospectively how much liquidity will be produced each month, over a range of interest rate shocks. What we can add to the dialogue is that an investor can take out a lot of the guesswork (a bond wonk would call it “optionality”), by choosing securities with certain characteristics. Premium callablesIn government agency land, the best way to make certain of your liquidity is to buy bonds with no call options. The case has been made by your correspondent that it is now very inexpensive to do so. Nonetheless, by purchasing high coupon callables at a premium, you can improve your chances of getting short-term cash flow, with a payoff in case the bond market gives you a head fake. The chance of your bond being called improves if the call feature is one time only. Here’s a recent example: The Federal Home Loan Bank System has an issue with a 2.20 percent coupon that matures Jan. 28, 2021 that can be called only once, on July 29, 2016. It’s priced a premium of 100.597 to create a yield to the call date of 1.00 percent. If it’s not called, the yield to maturity jumps to 2.07 percent. These “cushion callables” are very popular with short-term investors. Short maturity MBSIn the case of a security that has an amortizing balance, like most any mortgage-backed security (MBS), the stated final maturity has a great deal to do with how much principal you can expect over the next few months or years. For a relatively short final (say, less than 15 years), the “scheduled” principal, which ignores any prepaid cash flow, will be significant and will increase noticeably just with passage of time. For example, an MBS with a stated maturity in 12 years will return about 15 percent of its principal in the next year, even if prepayments slow down further from their currently slow “speeds.” This extension protection, which is built into short maturity MBS, will also provide the investor with ready cash to reinvest at (presumably) higher rates.True floatersBonds whose interest rates fluctuate with the general market can be beneficial for several

reasons. First, if short-term rates rise, the periodic coupon payments will too, resulting in more cash flow. For another, history has shown that for some adjustable MBSs, the homeowners will refinance their mortgages into fixed-rate vehicles, even if in the near-term their rates are locked in at higher levels, so as to not be exposed to further “rate drift.” This refi activity produces additional cash flow for the investor and can be directed to its best and highest use.

The advice, then, is to anticipate a slowdown in your portfolio cash flow, even if it is running at a fraction of its pace from 2012. The “more is better” adage certainly holds true when investing in a rising rate scenario. Carefully selecting your bonds can keep you positioned to do just that.

Jim Reber is president & CEO of ICBA Securities and can be reached at 800-422-6442or [email protected].

Jim Reber

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Vining Sparks, ICBA Securities’ exclusive broker, can create a scenario cash flow report for any community bank, based on up to seven future interest paths. To request this document for your community bank, contact your Vining Sparks sales rep, or visit www.viningsparks.com.

products + services


Community Bankers of Michigan is working with Watermark to offer all customers the Business Loan Protection

Program for their business-related loans. This coverage transfers the risk of the loan from your institution to an insurance carrier in the event a small business owner becomes totally disabled and cannot work. It helps owners protect their businesses and helps protect your institution as well.

During a total disability, this rider provides reimbursement coverage for a variety of business-related financial loan obligations, such as: • Purchase of a practice or existing business • Purchase of a large piece of equipment • Expansion of the business or practice

Business Loan Protection rider details

Advantages of the Business Loan Protection • Affordable premiums with discounts available • Premiums are a deductible expense for the business owner • Benefits can be assigned to the financial institution holding the loan, allowing the insurance carrier to pay the lender directly.

How it Works1. The business owner (loan applicant) identifies a need for a business-related loan and seeks one from your financial institution.2. Upon receiving the application for the loan, you refer the customer to an advisor at Watermark.3. As your customers loan is processed with a Community Bank Association Member, a Watermark Agent will concurrently apply for coverage with the customer to obtain a Business Loan Protection policy.5

4. Once coverage is approved through underwriting, and the loan supporting the insurance by the Community Bank, a policy is issued to your customer (with final delivery requirements).5. In order for the named Community Bank to receive the loan payments directly at the time of total disability, the customer/owner of the policy assigns benefits to the Community Bank.

For More InformationZac Woodward, Financial Advisor John Woodward, Financial AdvisorOffice (616) 284-0100 ext. 4 Office (616) 284-0100 ext. [email protected] [email protected]

Business Loan Protection for Community Bankers of Michigan Members

• Facility renovations and improvements• An increase in working capital or build-up of inventory• Purchase of a building or land

Issue Ages Benefit Amount Maximum Aggregate Benefit

18-60 Up to $20,000/month, based on $2 million your loan amount

Simplified & accelerated underwriting available up to $10,000/monthGreater loan amounts are eligible, but business loan protection may only cover a portion of the loan.

Also available on all existing loans with a minimum of 3 years remaining.

Types of Loans Covered

• Term • Commercial mortgage • Balloon2 • Lease financing • Variable rate3 • SBA

Number of Owners

Fee-for-service professional = up to 8 owners Other small business owners = up to 4 owners

1 Not approved in all states; not available in California.2 Balloon loans are written for a specific number of years, with a balloon payment at the end of the period. These loans may be amortized over a longer period of time. The BLP rider covers the amount of the payment for the contractual time period as stated in the loan agreement (minimum of three years) rather than the amortized payment over the longer time period.3 Variable interest rate loans can result in fluctuations in the monthly loan payment. The eligible monthly BLP amount is calculated using the lowest interest rate stipulated in the loan agreement.

CBM’s Insurance Agency (CBIA), in partnership with GRA Benefits Group, provides an alternative to tradition-al and/or self-funded health care plans: an option that lowers your costs by eliminating high carrier profit and ACA challenges, requires no up-front investment, and includes ‘‘stop loss’’ protection to insulate against the risks associated with fully self-funded plans. By creating a pool of CBM members, CBIA is able to offer a long-term health care solution giving you control of premiums that are truly affordable.

Health Care OptionsThat Work for Michigan

Community Banks

CBM’s Insurance Agency

Level Funded Plan

The Level Funded Plan (LFP) has been

in existence for a number of years and is

currently utilized by other associations and

businesses, including the National Retailing

and Hardware Association. LFP currently covers over 30,000 employees.

This plan allows you to design coverages

with the right fit for your bank, choose the

network and doctors that make the most

sense for you, and keep the savings. In

addition to the potential savings, LFP is

not subject to many ACA taxes and fees.

The Level Funded Plan is a hybrid between

fully insured and self-funded plans and is

open only to CBM members. There are

many different plan designs from which to

choose, and you choose the provider network

that works best for your employees.

How does Level Funding work?

LFP funds claims, provides administration,

employee support and service, and stop-loss

protection at a set per-member cost each

month based on enrollment – providing

long-term financial stability. Payments don’t

fluctuate monthly based on claims activity.

LFP uses the premiums paid by participating

banks to pay claims. At the end of the year,

if the claims paid are less than the premiums

paid by the bank, the bank will receive a check

for the difference. When claims exceed pre-

miums paid, surplus from prior months and/

or stop-loss protection covers the shortfall.

In short, you only pay what you are quoted

and not a dollar more than what you budgeted.

LFP allows you to enjoy the advantages of a

self-funded health plan without the cash-flow

variability and without an up-front investment.

Unique LFP Elements

• Noup-frontinvestment

• Nolong-termplan financialrisk

• AvoidACAlimitations

• Chooseyourownnetwork

• Ratesfixedfor12months

• Potentialdouble-digit savings

• Highdeductibleallowed

• Claimsinformationshared

• Loweradministrativecostthanfullyinsured

• Avoidmandatedbenefits

• Splitfundingminimizesrisk

Begin your long term benefit strategy by contacting us today.

Tom Rice, CBM/CBIAPhone: (517) 336-4430Email: [email protected]

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Save time and increase revenue with CBMEndorsed Member Companies! Superior Products! Significant Discounts!

Community Bankers Insurance Agency – Employee BenefitsTom Rice – [email protected] – 517-336-4430

Computer Services, Inc (CSI) – Board Communications –Secure Document DeliveryBill Evers – [email protected] – 219-929-8337

Deluxe Corporation – Check Printing – Bankers DashboardRick Wohlers – [email protected] – 651-490-8262, ext. 528262

EBS, a bank consulting company – Executive Benefits, BOLIKirk Anderson – [email protected] – 248-244-6076

FF&S – Office Supplies and PrintingDevin Rainey – [email protected] – 517-209-7023

FiNet – Merchant Services – Credit Card ProcessingRichard Camardo – [email protected] –800-487-5577

Financial Furnishings – Office FurnitureJohn Fountain – [email protected] – 586-725-8402

GreenPath – Debt Solutions – Financial Planning –Financial LiteracyDoug Brady – [email protected] – 248-553-5400,ext. 3127

ICBA Securities – Bank Investments – BondsJim Reber – [email protected] – 800-422-6442

ICBA Bancard & TCM Bank – Credit Card ProgramJulie Hanson – [email protected] – 608-873-9374

International Marketing & Administration Company(IMAC) – Direct Marketing – Income OpportunitiesTom Rice – [email protected] – 517-336-4430

When researching new service providers, or rethinking current ones, consider the CBM Endorsed Vendor Companies.Those below have already earned the seal of approval, along with special pricing for CBM members. Explore therevenue-enhancement opportunities with these vendors and improve your bottom line! Give us a call at 517-336-4430or visit CBM online at www.cbofm.org.

Investment Professionals, Inc. (IPI) – Retail InvestmentsVince Bailey – [email protected] – 630-347-7429

Investors Title Company – Home Equity Title Insurance Greg McComas – [email protected] – 248-835-3126

JLH Associates, LLC – Compliance – Insurance Review –Risk ManagementJim Harvin – [email protected] – 517-351-4158

Lereta, LLC – Escrow Administration – Tax TrackingAutumn Cole – [email protected] – 770-303-2986

Miedema Asset Management Group – RepossessionLiquidation ServicesJared Hekstra – [email protected] – 616-669-5334

Ncontracts – 3rd Party Vendor and Contract ManagementJessie Hogue – [email protected] – 317-513-0729

Quick Life – Term Life InsuranceTom Rice – [email protected] – 517-336-4430

Seattle Specialty Insurance Services, Inc. (SSIS) – Force Placed Insurance - Income OpportunityTom Rice – [email protected] – 517-336-4430

SHAZAM – ATM/Debit ProcessingTim Luger – [email protected] – 800-490-7284

Travelers – Bank InsuranceAndrew Hatheway – [email protected] –317-845-2726

UPS – Shipping – Overnight ShippingBarb Mackie – [email protected] – 517-204-9122

Watermark – Commercial Borrower Disability InsuranceZac Woodward – [email protected] – 616-248-0100

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education


COMMUNITY BANKERS OF MICHIGAN PRESENTS: Building Powerful Bank Managers

Tuesday - March 15, 2016 9:00 a.m. to 4:00 p.m. Eagle Eye Golf Club, Grand Garden Room in Bath, Michigan

The Community Bankers Leadership Institute is committed to providing world-class leadership training experiences to equip your key managers and rising stars with the tools they need to lead themselves and their teams more effectively.

In partnership with Justin Maust, participants in the Building Powerful Bank Managers will: 1. Receive a full day of leadership training and networking with other bankers (includes morning continental service and lunch). 2. Learn the 7 Practices That Determine Team Success and receive a Building Powerful Teams: 7 Practices Workbook (45+ pages). 3. Leave with a specific action plan to apply the 7 Practices That Determine Team Success. 4. Access to four (60 minute) monthly live training calls taking a deeper dive into the 7 Practices including Q&A time with Justin Maust (post event). 5. Leave with a contagious fire to do something bigger than yourself.

Meet your presenter and coach Justin Maust – CEO and Founder of Leader Legacy, Inc.

Justin founded Leader Legacy with a passion to develop leaders, inspire teams, and build powerful world changing legacies. He is a certified speaker, trainer and coach on the John Maxwell Team. To drive

results, Justin is an affiliate partner serving on the Insight Strategic Concepts® business integration team helping clients deliver on the strategic execution of their respective missions. (Learn more: www.LeaderLegacy.com.)

In 2004, Justin helped his brother launch Five Star Life, a character and leadership youth mentoring organization. Starting with five volunteers and 50 students, they grew a dynamic character and leadership youth program that now reaches 3,000 students annually with the help of 300+ volunteer coaches that serve in the schools weekly. (Learn more about Five Star Life here: www.FiveStarLife.org.)

For more information and to register - visit www.cbofm.org

Questions? Contact Mary Anne Czubko at 517-336-4430 or [email protected]

COMMUNITY BANKERS OF MICHIGAN PRESENTS: Building Powerful Bank Managers

Tuesday - March 15, 2016 9:00 a.m. to 4:00 p.m. Eagle Eye Golf Club, Grand Garden Room in Bath, Michigan

The Community Bankers Leadership Institute is committed to providing world-class leadership training experiences to equip your key managers and rising stars with the tools they need to lead themselves and their teams more effectively.

In partnership with Justin Maust, participants in the Building Powerful Bank Managers will: 1. Receive a full day of leadership training and networking with other bankers (includes morning continental service and lunch). 2. Learn the 7 Practices That Determine Team Success and receive a Building Powerful Teams: 7 Practices Workbook (45+ pages). 3. Leave with a specific action plan to apply the 7 Practices That Determine Team Success. 4. Access to four (60 minute) monthly live training calls taking a deeper dive into the 7 Practices including Q&A time with Justin Maust (post event). 5. Leave with a contagious fire to do something bigger than yourself.

Meet your presenter and coach Justin Maust – CEO and Founder of Leader Legacy, Inc.

Justin founded Leader Legacy with a passion to develop leaders, inspire teams, and build powerful world changing legacies. He is a certified speaker, trainer and coach on the John Maxwell Team. To drive

results, Justin is an affiliate partner serving on the Insight Strategic Concepts® business integration team helping clients deliver on the strategic execution of their respective missions. (Learn more: www.LeaderLegacy.com.)

In 2004, Justin helped his brother launch Five Star Life, a character and leadership youth mentoring organization. Starting with five volunteers and 50 students, they grew a dynamic character and leadership youth program that now reaches 3,000 students annually with the help of 300+ volunteer coaches that serve in the schools weekly. (Learn more about Five Star Life here: www.FiveStarLife.org.)

For more information and to register - visit www.cbofm.org



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Community Bankers of miChigan presents:Building Powerful Bank Managers

Sponsored by Michigan Certified Development Corporation and FF&S

Basic BSA InstituteA program that provides a basic understanding of an effective BSA compliance program

March 3, 2016 – Eagle Eye Golf Club, Bath

2016 Credit Risk Management Training

Instructor: Adam Witmer, CRCM, Senior Consultant, Young & Associates, Inc.

Program Highlights:• Introduction/History • CTR Exemptions • Information Sharing –• Basic BSA/AML Risk Assessment • Suspicious Activity Reports Government• The Four Pillars of BSA • Customer Identification Program Other Financial Institutions• Board BSA Responsibilities • Office of Foreign Asset Control • Other BSA topics/issues• Definitions • Monetary Instrument Purchases• Reports of Currency Transactions (CTR) • Wires Transfer Records

For more information and to register – visit www.cbofm.org

Fundamentals of Credit Administration and UnderwritingThursday – March 17, 2016

Commercial Property Evaluation/Appraisal and Appraisal ReviewThursday – April 21, 2016

InstructorRon Wolpert, Loan Review Manager - Ron joined Great Lakes Banc Consulting (formerly F & M Credit Services) during 2008 and brings with him a diverse background in banking with over 25 years of experience. He managed the loan review departments at a national and regional loan review firm, serving as the senior reviewer on loan review engagements with community banks up to $17 billion in assets. He has conducted training seminars and in-house training courses throughout the Midwest, and has authored several articles published in state and national trade magazines.

CBM Credit Risk Management programs will be held at the CBM Training Center, East Lansing.


Mark your calendars now –Michigan Bank Directors’ College!

Thursday – April 14, 2016Hawk Hollow Golf Club

Bath, Michigan

For Bank Senior ManageMent and outSide directorS

Interact with your peers and experienced, seasoned professionals to learn and discuss industry trends and best practices.

Program and registration information available at www.cbofm.org


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CBM WEBINARS BY CATEGORY*AVAILABLE ARCHIVED ON-DEMAND WEB LINKS

AUGUST 2015 – MARCH 2015

The archived on-demand web link of a past live webinar allows you to view the presentation on-line for 6-months from the date of the initial live event. Purchases of these web links can be made anytime during this 6-month period and those available are listed below.*Important Notice: For archived on-demand webinars, CDs will no longer be provided for 2015 webinar orders placed after December 31, 2015, and CDs will not be available for 2016 webinars. The archived webinar is a recording of the live event, including audio, visuals, and handouts. You are also provided with the presenter’s email address so you may ask follow-up questions. Approximately one week after the webinar, you will receive an email with the archived webinar link. This webinar link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date. You will also receive instructions on how to download a digital copy of the webinar which you may keep and use indefinitely.The archived webinar/digital download may ONLY be ordered for 6 months following the webinar live date. It will not be available after this time.The archived option is a perfect solution to maintain, retain, and keep abreast of current trends and issues. Use the archived link/digital download for this “off-the-shelf ” training program to train where and when you choose.

AUDITING & ACCOUNTING10/21/2015Accounting Developments Update: Recent Issues & What’s on the HorizonTodd A. Sprang, CliftonLarsonAllen, LLP11/4/2015Form 1099 Reporting: Third-Party Vendors, Foreclosures, Debt Forgiveness & MoreElizabeth Fast, Bankers Choice11/30/2015CECL, the ALLL & FASB’s Proposed Standard for Recognizing Credit Impairment: What’s Changing & WhyPreparing Now is CriticalTommy Troyer, Young & Associates, Inc.2/18/2016 Audit Compliance Series:Overseeing Bank Performance: The Role of Audit Gary J. Young, Young & Associates, Inc.3/14/2016Audit Compliance Series:Auditing for TRID Compliance: Safe HarborExpires February 1, 2016Ann Brode-Harner, Brode Consulting Services, Inc.

COLLECTIONS10/2/2015Proper Repossession, Notice & Sale of Non-Real Estate CollateralElizabeth Fast, Bankers Choice1/13/2016Debt Collection Series:The Essentials of Collection LawDavid A. Reed, Reed & Jolly, PLLC3/29/2016Debt Collection Series:Your Customer Has Filed Bankruptcy, Now What?Elizabeth Fast, Spencer Fane LLP

COMPLIANCE8/20/2015BSA Compliance Series:How to Redesign Your BSA Program to Impact Your Bottom Line Adam Witmer, Young & Associates, Inc. 9/11/2015Mortgage Advertising: Keeping Your Promotions CompliantSteven Van Beek, Howard & Howard Attorneys PLLC10/9/2015The New Flood Rules, Including the Mandatory Escrow Rule Effective January 1, 2016Ann Brode-Harner, Brode Consulting Services, Inc.10/14/2015BSA Compliance Series:Identifying, Reporting & Monitoring Suspicious ActivityAnn Brode-Harner, Brode Consulting Services, Inc.11/25/2015Archive Only - Comparing the Widening Array of Mobile Payment Plans: Apple Pay vs. Samsung Pay vs.Android PayLee Wetherington, Jack Henry & Associates, Inc.®

12/8/2015BSA Compliance Series:BSA Special Risks: Policy, Law Enforcement & Regulator IssuesSusan Costonis, Compliance Consulting and Training for Financial Institutions1/12/2016Avoiding Compliance Violations in AdvertisingSteven Van Beek, Howard & Howard Attorneys PLLC2/5/2016Archive Only - New Exception for Annual Privacy Notice Requirements Effective Immediately!Steven Van Beek, Howard & Howard Attorneys PLLC2/11/2016New Compliance Officer Boot CampAnn Brode-Harner, Brode Consulting Services, Inc.

education


(COMPLIANCE Cont.)3/1/2016Telephone Consumer Protection Act: What You Need to Know About the New Requirements Steven Van Beek, Howard & Howard Attorneys PLLC3/3/2016Required Compliance for Commercial Loans Secured by Real EstateSusan Costonis, Compliance Consulting and Training for Financial Institutions3/17/2016Flood Insurance Compliance Update & FAQs Ann Brode-Harner, Brode Consulting Services, Inc.

DIRECTORS9/9/2015 Director Series:UDAAP for the Board & Senior ManagementSusan Costonis, Compliance Consulting and Training for Financial Institutions11/3/2015Director Series:Interest Rate Risk Policies, Considerations & Consequences: What Directors Should KnowGary J. Young, Young & Associates, Inc.1/28/2016Director Series:Managing Reports to the Board: Requirements, Timing, Delivery Options, Risks & ConcernsAnn Brode-Harner, Brode Consulting Services, Inc.3/8/2016Director Series:What Directors Should Know About CECL, ALLL & New Credit Impairment Standards Tommy Troyer, Young & Associates, Inc.

FRONTLINE & NEW ACCOUNTS8/5/2015Cross Selling & Referral Opportunities for the Frontline: Strategies to Enhance the Customer’s Experience & Grow the BankTim Tivis, Pinnacle Training Group8/6/2015New Accounts Series:Business Account Signature Cards & Resolutions: Entities, Authority & DocumentationMary-Lou Heighes, Compliance Plus, Inc.10/8/2015Powers-of-Attorney & Living Trust Documents: Guidelines for Deposit Accounts & LoansElizabeth Fast, Bankers Choice

10/20/2015New Accounts Series:Opening Accounts for Minors: Ownership, Access & TransactionsMary-Lou Heighes, Compliance Plus, Inc.12/15/2015New Accounts Series:Opening Donation, Benevolent & Other Accounts for Nonprofit Organizations & CorporationsLinda Quick, Quick Training Solutions1/27/2016Completing the CTR Line-by-LineMary-Lou Heighes, Compliance Plus, Inc.2/25/2016Understanding Personal Account Ownership & FDIC RulesLinda Quick, Quick Training Solutions

HUMAN RESOURCES9/23/2015Basic Banking for New Employees Part 1: Banking System, Deposit Operations, LendingAnn Brode-Harner, Brode Consulting Services, Inc.9/29/2015HR Danger Zones: Regulations, Requirements & Best Practices to Keep You Out of TroubleKay Robinson, Robinson HR Consulting11/17/2015Basic Banking for New Employees Part 2: Regulatory Issues, Exams, AuditsAnn Brode-Harner, Brode Consulting Services, Inc.2/4/2016HR Series:Managing & Administering Employee Compensation & Benefit ProgramsKay Robinson, Robinson HR Consulting, LLC

IRA9/22/2015IRA Series:Auditing IRAs Step-by-StepLinda Quick, Quick Training Solutions11/12/2015IRA Series:IRA Reporting, Common Issues & Error ResolutionFrank J. LaLoggia, LaLoggia Consulting, Inc.1/20/2016IRA & HSA Update & Review 2016Frank J. LaLoggia, LaLoggia Consulting, Inc.

IT 8/18/2015Website & Social Media ComplianceJohn Zasada, CliftonLarsonAllen, LLP

education


IT (Cont.)8/27/2015Facebook: Update on System, Strategies, Techniques & TipsEric C. Cook, WSI Internet Consulting10/28/2015Network Security 101: A Comprehensive Overview Dr. Kevin Streff, Secure Banking Solutions11/5/2015Remote Deposit Capture Update & Issues for Commercial, Consumer & Mobile BankingLee Wetherington, Jack Henry & Associates, Inc.® 1/14/2016Cyber Series:Maximizing Cyber Security Soundness & Minimizing IncidentsRandall J. Romes, CliftonLarsonAllen LLP3/22/2016 Cyber Series:Outsourcing Tech Services: Regulations, Examiner Expectations & Actions for Vendor ManagementBrian Vitale, Compliance Advisory Services 3/30/2016Hot Topics in Social Media Strategies: Techniques & Trends for Community BanksEric C. Cook, WSI Internet Consulting

LENDING8/4/2015Fair Lending Comparative File ReviewAnn Brode-Harner, Brode Consulting Services, Inc.8/12/2015Advanced Commercial Loan DocumentationLiza Zigo, Brode Consulting Services, Inc.8/13/2015CFPB Income Verification Rules for Self-Employed Borrowers: Tax Implications for Qualified MortgagesTim Harrington, TEAM Resources8/19/2015USPAP Issues & Best Practices for Residential Appraisal Reviewers: Avoiding ViolationsHeidi C. Lee, Appraisal Review & Consultation8/25/2015Emerging Leader Series:Debt Service Coverage Calculations in UnderwritingS. Wayne Linder, Young & Associates, Inc.8/26/2015Mastering the SBA 7a Loan Part 3: Servicing, Liquidation & Guaranty PurchaseEthan W. Smith, Starfield & Smith, PC8/31/2015The 20 Most Important Things to Know About TRID Compliance Before the Revised October 3 DeadlineSteven Van Beek, Howard & Howard Attorneys PLLC

9/10/2015Call Reports: Understanding the New Regulatory Capital Requirements & the Revised Schedule RC-R Amanda C. Garnett, CliftonLarsonAllen, LLP9/16/2015Loan Underwriting Basics: Interviewing, Credit Reports, Debt Ratios & Regulation BTommy Troyer, Young & Associates, Inc.9/21/2015Archive Only - Expanded Financial Protections Under the New Military Lending Act, Including SCRA UpdateElizabeth Fast, Spencer Fane Britt & Browne LLP10/7/2015Mortgage Loan Origination & Servicing: Issues, FAQs & Lessons Learned Bill Elliott, Young & Associates, Inc.10/30/2015Clarifying the Confusion: TRID Issues & FAQsSteven Van Beek, Howard & Howard Attorneys PLLC11/9/2015CFPB Final Amendments for Small Creditors & Rural or Underserved Areas, Effective January 1, 2016Steven Van Beek, Howard & Howard Attorneys PLLC11/24/2015Nuts & Bolts of Effective Metro 2 Credit Reporting via e-OSCARJohn B. C. Porter, Weltman, Weinberg & Reis Co., LPA12/3/2015Call Reporting for New Preparers & ReviewersAmanda C. Garnett, CliftonLarsonAllen, LLP12/17/2015Appraisals & Evaluations: Guidelines, Regulatory Concerns & FAQsS. Wayne Linder, Young & Associates, Inc.12/18/2015Revised TRID Mortgage Exam Procedures: Reviewing September 15, 2015 ChangesAnn Brode-Harner, Brode Consulting Services, Inc.1/21/2016How April 1 Changes Affect ARMs & Balloon PaymentsBill Elliott, Young & Associates, Inc.1/26/2016Demystifying Rules for TRID TolerancesSteven Van Beek, Howard & Howard Attorneys PLLC2/2/2016Denied Loan Requirements: Consumer, Commercial & Real Estate Ann Brode-Harner, Brode Consulting Services, Inc.2/17/2016HVCRE Appraisal Review: Issues & Case StudiesHeidi C. Lee, Appraisal Review & Consultation

education


LENDING (Cont.)2/23/2016Determining Cash Flow from Personal Tax Returns Part 1: Schedules A, B, C & DTim Harrington, TEAM Resources2/24/2016Call Report Series: 2016 Call Report Update & Revisions Eileen Iles & Philip Stalcup, Crowe Horwath LLP3/2/2016How to Complete & File UCC-1 Financing StatementsElizabeth Fast, Spencer Fane LLP3/10/2016SBA Lending Update: Regulations, Trends & Overview of SBA OneKimberly Rayer, Starfield & Smith, PC3/16/2016Determining Cash Flow from Personal Tax Returns Part 2: Schedules E & FTim Harrington, TEAM Resources

OPERATIONS8/11/2015Garnishments, Subpoenas, Summonses, Levies: Handling Official Demands for Customer FundsElizabeth Fast, Bankers Choice9/3/2015Advanced ACH Specialist Series:Defining & Identifying Third-Party Senders: Risk, Liability & Audit RequirementsLuann S. Kohlmann, PAR/WACHA9/17/2015Imaged Documents: What to Keep, What to Destroy, What Holds up in Court?Elizabeth Fast, Bankers Choice9/30/2015Mandatory Compliance Regulations for Deposit OperationsMary-Lou Heighes, Compliance Plus, Inc.10/6/2015Regulation E Requirements for Debit Card Error Resolution: Processing, Disclosure & InvestigationLuann S. Kohlmann, PAR/WACHA10/22/2015Advanced ACH Specialist Series:Understanding & Navigating ACH Rules for ODFIsShelly Simpson, EPCOR10/29/2015Maintaining Compliant FDIC Records, Including Related Email & Social Media Retention RulesNancy Flynn, The ePolicy Institute™

11/13/2015Preparing for the Impact of Same Day ACHShelly Simpson, EPCOR

11/23/2015Regulatory & Legal Risks of Overdraft Protection: Recent Issues & Best PracticesSteven Van Beek, Howard & Howard Attorneys PLLC12/2/2015Advanced ACH Specialist Series:Regulation E Error Resolution Rules Versus NACHA Operating Rules: Obligations, Consumer Disputes &Case StudiesMichele L. Barlow, PAR/WACHA12/9/2015Managing Accounts & Records for Nonresident Aliens: Opening, Identifying, Monitoring & Tax ReportingAnn Brode-Harner, Brode Consulting Services, Inc.12/10/2015Safe Deposit Issues: Drilling, Unpaid Rent, Death & Unclaimed PropertyElizabeth Fast, Bankers Choice12/16/2015Exercising the Bank’s Right of Setoff on Deposit Accounts & Loans Elizabeth Fast, Bankers Choice1/5/2016New Unauthorized ACH Rules: Impact on Return Rates & Fee ThresholdsMichele L. Barlow, PAR/WACHA1/7/2016Record Retention & Destruction Rules: Electronic & PaperElizabeth Fast, Bankers Choice2/3/2016Dealing with ACH Tax Refunds: Exceptions, Posting & LiabilitiesMichele L. Barlow, PAR/WACHA2/9/2016Medallion & Signature Guarantee Rules & RisksElizabeth Fast, Bankers Choice2/10/2016SPECIAL EDITIONHandling Debit Card ChargebacksDiana Kern, SHAZAM, Inc.3/24/2016Developing Your Same-Day ACH Game PlanJen Kirk, EPCOR

SECURITY & FRAUD9/24/2015Regulator Guidance & Issues in ATM SecurityDr. Kevin Streff, Secure Banking Solutions10/15/2015New Security Officer Training: Responsibilities, Best Practices & Skill-Building ToolsBarry Thompson, Thompson Consulting Group, LLC

education


SECURITY & FRAUD (Cont.)11/18/2015Robbery Prevention, Apprehension & RecoveryTroy Evans, The Evans Group3/9/2016Post EMV Card Liability Shift: Managing & Mitigating Card-Not-Present FraudLee Wetherington, Jack Henry & Associates, Inc.®

SENIOR MANAGEMENT9/2/2015Strategic Planning Years 1, 3 & 5: Scope, Techniques & Elements in Drafting Your Written PlanJeffrey C. Gerrish, Gerrish, McCreary, Smith, Consultants & Attorneys 9/15/2015Managing the 8 Categories of Risk Assessment Ann Brode-Harner, Brode Consulting Services, Inc.10/27/2015Emerging Leader Series:Key Leadership Strategies for Growth, Profitability & Retention Gary J. Young, Young & Associates, Inc.11/10/2015Regulatory Requirements for the Board & Senior ManagementAnn Brode-Harner, Brode Consulting Services, Inc.11/19/2015Emerging Leader Series:Managing Credit Risk S. Wayne Linder, Young & Associates, Inc.12/4/2015Examining the Proposed Federal Changes to Overtime Pay Exemptions & the Potential Impact to CommunityBanksElizabeth Fast, Bankers Choice3/15/2016Quarterly Emerging Leader Series: Developing Executive Presence Skills: Presentations, Poise & ProfessionalismNancy Flynn, The ePolicy Institute™

2016 Community Bankers for Compliance ProgramEnroll Today!Quarterly seminars:February 16 June 9 August 18 November 30Visit www.cbofm.org or call Mary Anne at517-336-4430

Basic BSA (Bank Secrecy Act) SeminarThursday – March 3, 2016Eagle Eye Golf Club, Bath

2016 ICBA National ConventionMarch 6 – 10, 2016New Orleans, LA

CBM Leadership InstituteBuilding Powerful Bank ManagersTuesday – March 15, 2016Grand Garden Room – Eagle Eye Golf Club, Bath

Fundamentals of Credit Administration and UnderwritingThursday – March 17, 2016CBM Training Center, East Lansing

CEO Leadership NetworkFriday – March 18, 2016CBM Training Center, East Lansing

DIFS/CBM Michigan Bank Directors’ CollegeThursday – April 14, 2016Hawk Hollow Golf Club, Bath

Commercial Property Evaluation/Appraisal and Appraisal ReviewThursday – April 21, 2016CBM Training Center, East Lansing

Community Bankers for Compliance2016 2nd Quarter SeminarThursday – June 9, 2016Eagle Eye Golf Club, Bath

BSA (Bank Secrecy Act)/AML ConferenceTuesday – June 14, 2016Eagle Eye Golf Club, Bath

2016 CBM Annual Convention and ExpoSeptember 14 – 16, 2016Grand Traverse Resort & Spa, Traverse City

UPCOMING EDUCATIONAND TRAINING EVENTS


PAID


PAID

education


Dart Bank Announces PromotionsPeter Kubacki, President and CEO of The Dart Bank, is pleased to announce the promotions of Michelle Carpenter to Vice President/Business Services & Investor Relations, Colleen Briggs to Assistant Vice President/Consumer Loan Officer, Danielle Bull to Assistant Vice President/Accounting Officer, Kim Harless to Vice President/Holt Office Manager, Lori Pfost to Assistant Vice President/Mason Office Manager, and Kevin Waldie to Assistant Vice President-Audit/Compliance/BSA Officer.

Michelle Carpenter has been with the bank for over 23 years, making her uniquely qualified to serve our Shareholders as our Investor Relations liaison. She also serves our business customers with a variety of products and services. Michelle has held many positions over her years with the bank including Office Manager, Personal Banker, Marketing Director, and Lender/Credit Card Manager. Michelle has been involved in several organizations including Treasurer for the Holt School-Business Alliance, Board Member of the Holt Food Bank , Concession Coordinator for Holt Public Schools Athletics, Mason Area Chamber of Commerce, Child and Family Charities and Tri-County Office on Aging.

Colleen Briggs began her career with Dart Bank in 1979 in the bookkeeping department. Through the years she has also served as a Customer Service Representative, Loan Operations Associate, and Loan Support Assistant. Colleen has been instrumental in organizing Mason Cares and Relay for Life in Mason, and has also helped organized collections for Toys for Tots, Food Bank, and Salvation Army every Christmas, among many other volunteer activities.

Danielle Bull brings over 15 years of previous banking experience to the Bank. She has a Bachelors of Business Administration Degree in Accounting from Western Michigan University. She has volunteered with Junior Achievement, Juvenile Diabetes Walk, American Cancer Society’s Relay for Life, Making Strides Against Breast Cancer and is currently the Treasurer for the Sparrow Foundation’s Women Working Wonders Committee.

Kim Harless has been with the bank for over 10 years, with over 25 years of banking experience. Kim successfully completed the three-year Perry School of Banking Program at Central Michigan University in 2009, and also received the 2008 Community Person of the Year award from the Holt Education Foundation. She is involved with Holt Kiwanis, Holt Business Alliance, Holt Education Foundation, Holt Hometown Festival, and organizes Old Newsboys in Holt each year.

Lori Pfost has over 11 years of previous banking experience. She is a Mason High School graduate. She has been involved with the Williamston Chamber of Commerce, Lions Club, past President of the Mason Area Chamber of Commerce, and has been very involved in the communities she has served.

Kevin Waldie has been with the Bank since 2008 and has held the positions of Loan Operations Associate and BSA Support/Internal Auditor. Kevin has several years of lending and management experience. He has volunteered with the Old Newsboys.

Colleen Briggs

Danielle Bull

Kim Harless

Michelle Carpenter

Lori Pfost

Kevin Waldie

community connections


Alan Curtis Retires After 38 Years at LCBTAs the Vice President and Senior Lender at Lapeer County Bank & Trust Co. (LCBT), Alan Curtis is well known throughout the community.

“Throughout his career, Alan has been the quintessential community banker, focused on building up the community around him,” said Bruce Cady, President and CEO. “We have been fortunate to have his expertise throughout the years. He will be missed.”

Curtis began his career with Lapeer County Bank & Trust Co. in July of 1977 as an Agricultural Representative. He was appointed Assistant Cashier, then promoted to Loan Officer, Commercial Loan Officer, and most recently Vice President and Senior Lender in 2006. Alan played an important role in the success of the Commercial Loan Department at Lapeer County Bank & Trust Co.

“Throughout my career, Alan has been a shining example of company loyalty,” said Vice President and Senior Lender, Pete Batistoni, who is stepping into Curtis’ shoes. “I have never met someone more dedicated to their business and their customers.”

“Working with Alan for the past 10 years has been wonderful,” said Pat Travis, a Lapeer County Bank & Trust Co. Credit Analyst. “We’ll all miss his welcoming smile here at LCBT. Everyone who has worked with him wishes him much happiness and good health in his retirement.”

“It’s been a pleasure working with Alan,” said Cherry Newlon, Loan Operations Officer at LCBT. “He’s a good friend and an excellent mentor. The one thing I will never forget about him is his laughter. Whoever said ‘there is no fun in banking’ has certainly not worked with Alan. We will definitely miss him.”

During his career, Curtis was a fixture in the community. He was an active member of the Family Literacy Center Board and the Economic Club of Lapeer. He was also a passionate supporter of 4-H programs.

“Both personally and professionally, Alan represents the best Lapeer County Bank & Trust Co. has to offer,” said Joe Black, Chief Financial Officer at Lapeer County Bank & Trust Co.

In his retirement, Curtis plans to spend more time with his wife, children and grandchildren.

Alan Curtis

Bradley Henion Joins ChoiceOne Bank as Chief Lending OfficerChoiceOne Bank is pleased to announce the addition of Bradley Henion to the position of Chief Lending Officer.

“We are extremely pleased to welcome Brad to ChoiceOne Bank,” said President of ChoiceOne Bank Kelly Potes. “Brad brings added depth to our lending team both in commercial and agribusiness lending; areas where we are posed for significant growth.”

Henion joins ChoiceOne Bank with more than 20 years of experience in lending. His most recent position was President of First Community Bank (formerly Select Bank) in Grand Rapids, Mich., where he had direct oversight of commercial, consumer and retail lending for the last four years. Henion’s career has also included Senior Vice President positions with GreenStone Farm Credit Services in East Lansing, Mich., and Bank of America (formerly LaSalle Bank) in Grand Rapids, Mich., where he managed significant commercial loan portfolios.

Holding a Master of Business Administration (MBA) in Finance from Baker College, Henion also has a Bachelor of Science in Accountancy from Ferris State University.

“Brad’s executive level experience and approach to community lending fits perfectly with our local bank philosophy,” said Potes.

Bradley Henion





Huron Community Bank Adds PerrymanHuron Community Bank is excited to announce their most recent hire Rozzanne Perryman as Mortgage Loan Originator and Consumer Loan Specialist. Rozzanne will be working out of Huron Community Bank’s Loan Production Office located at 2210 South M76 in West Branch. Rozzanne joins Huron Community Bank with a wealth of experience in the banking industry, having spent the last 15 years at Mercantile Bank. Joining HCB in West Branch Rozzanne can continue her success in the area. Huron Community Bank is proud to serve the Northeast Michigan market with home lending solutions that reflect a commitment to “Making a Difference” in people’s lives. Rozzanne will be a strong asset to the team providing customers with exceptional service and helpful guidance through the mortgage and consumer loan process.

Rozzanne Perryman

Isabella Bank Promotes Welsh to Pickard Branch OfficerJerome E. Schwind, President of Isabella Bank, is pleased to announce the promotion of Mary Welsh to Branch Officer, Pickard Office. As the Branch Officer, Mary is responsible for overseeing the Pickard branch operations and servicing their consumer lending needs.

Welsh has 32 years of banking experience. She is a graduate of Dale Carnegie’s Team Development Program and Isabella Bank’s leadership training. She also received several internal customer service awards including the Isabella Bank Izzy and Team of the Year Awards.

Volunteer work is important to Mary. She is an active member of the Leaton United Methodist Church and enjoys helping with the Leaton Church’s basketball program, coaching girls softball in the summer, and volunteering at the Bank sponsored community events.Mary Welsh



Thumb National Bank Announces Executive PromotionsThumb National Bank and Trust Co. is pleased to announce the promotions of Ben Schott to Chief Operating Officer, Michelle Hill to Chief Financial Officer and Jim Hempton to Chief Lending Officer.

“It is with great pleasure that I announce the promotions of three well deserving individuals that serve Thumb National Bank, our customers and our communities,” said Thumb National Bank and Trust Co. President and CEO Jay Dubey. “Ben, Michelle and Jim are outstanding leaders in our communities and are experts in their fields. They will help guide our bank as we prepare for continued growth in our markets.”

Ben Schott – Executive Vice President, Chief Operating OfficerSchott began his banking career with Thumb National Bank in August 1991. He started as a co-op student in the Cass City Branch Office working primarily as a teller throughout high school and college. After graduation, Schott continued in Cass City working in credit administration as well as assisting clients with financial planning. He was promoted to Vice President and Trust Officer and relocated to Pigeon to lead the Trust Department. He was promoted to Senior Vice President and Chief Financial Officer in 2007 and promoted to Executive Vice President in 2010.

Graduating from Central Michigan University with Bachelor of Science in Business Administration with a major in Finance, Schott also attended the Robert Perry School

of Banking and the Midwest Trust School. He is a Certified Financial Planner®. Schott is a current member and past president of the Cass City Gavel Club, and current treasurer of the Cass City Boys Little League.

Michelle Hill – Senior Vice President, Chief Financial OfficerHill began her banking career with Thumb National Bank in 1993 working in their Cass City office. As a co-op student, she worked primarily as a teller throughout high school and college. After graduation, Hill worked as a Credit Analyst and Commercial Lender. In 2004, she was promoted to Vice President and relocated to the bank’s main office in Pigeon to serve as a Commercial Lender. She was promoted to Senior Vice President and Chief Lending Officer in 2010.

Hill received both her Master of Business Administration (MBA) and her Bachelor of Business Administration from the University of Michigan. She is very active in the community as a member and past president of the Pigeon Rotary Club, member of the Cass City/Thumb Area American Association for University Women, serves on the Board of Directors for Bluewater Thumb Youth for Christ, and is an active member of the Salem United Methodist Church.

Jim Hempton – Senior Vice President, Chief Lending OfficerHempton began his career at Thumb National in 2001 in Cass City before serving in the Bay City market as a mortgage and commercial lender. He was promoted to Senior Vice President in April 2015.

Hempton received his Bachelor of Science from Michigan State University, and is a graduate of the Perry School of Banking. He is an active member of the Gavel Club of Cass City, the Cass City Little League and past chairman of the Cass City Chapter of Ducks Unlimited.

Ben Schott

Michelle Hill

Jim Hempton



Seppala Succeeds Russo in Greenville Division

Jerome E. Schwind, President of Isabella Bank, announced the appointment of David Seppala to the Greenville Division President position following the retirement of Richard Russo. In his new role, Dave will be responsible for the day-to-day management and community development for the Greenville, Six Lakes, and Stanton offices.

Dave joined Isabella Bank in 2009 and has 31 years of combined banking experience. He earned his undergraduate degree from Central Michigan University (CMU) and attended the University of Wisconsin’s Graduate School of Banking and the Dale Carnegie Executive Development Program. He is also a past recipient of the Small Business Administration (SBA) 504 Lender of the Year award from the Economic Development Foundation in Grand Rapids.

In addition to his professional achievements, Dave volunteers his time to serve the community. He is the current treasurer and a board member for the United Way of Montcalm and Ionia Counties. In addition, he has also served in leadership roles for the United Way of Muskegon, Manistee Downtown Development Authority, Lakeshore 504 Board of Directors, Risk Management Association of West Michigan, and Junior Achievement.

David Seppala

W A S H I N G T O N P O L I C Y S U M M I T April 24-27, 2016

Hyatt Regency Washington on Capitol Hill, Washington, DC

SAVE DATETHE

your voice matters!

The following CBM Associate Members are ready to serve you when you need them. Please keep this list handy, and the next time you’re looking for a specific service, you’ll know where to look first. Remember, this is just a sampling of what each company provides. (NOTE: “***” denotes CBM Associate Plus Partners. Extensive initial and ongoing due diligence has been performed and is available for your review.)

Community Bankers of MichiganProducts and Services Reference List

Accounting/Audit/CPA ServicesAndrews Hooper Pavlik PLCBKD, LLPCrowe Horwath LLPDoeren MayhewHeber Fuger Wendin, Inc.Plante & Moran, PLLCRehmannWarmels & Comstock, PLLC

Appraisal ManagementMidwest Appraisal Management Group, Inc.

Architecture/ConstructionDaniels and Zermack ArchitectsThompson-Phelan Group, Inc.K4 Architecture & Design

Asset Liability Management/AMLMcQueen Financial Advisors

ATM/EFT NetworksSHAZAM. Inc.***

ATM Sales & Services/AlarmSystems/Bank Equipment Sales& ServiceInforma Business Systems, Inc.Security Corporation

Auction/Collateral LiquidationMiedema Auction Companies***

Bank OperationsCBM Message On HoldHagle & Associates, Inc.Informa Business Systems, Inc.Red Rock Information Security, LLCSecurity Corporation

Bank SignageSignArt, Inc.

Bank Stock Valuation ServicesCAMELS Consulting Group

BOLI/Executive BenefitsEBS***BFS GroupPinnacle Wealth Strategies

Check Services ProgramsDeluxe Corporation***

Capital Adequacy & StrategicPlanning ServicesCAMELS Consulting GroupInvictus Consulting Group, Inc.

ComplianceCBM Community Bankers for Compliance ProgramNcontracts***Andrews Hooper Pavlik PLCDoeren MayhewKus Ryan & Associates, PLLCPlante & Moran, PLLCRehmannYoung & Associates, Inc.

Computer Services/Software/IT ServicesAndrews Hooper Pavlik PLCCSI – Computer Services, Inc.FPS GOLDInfoTrust CorporationIT Resource, Inc.Jack Henry BankingLASCO Development Corp.Red Rock Information Security, LLC

Consulting/TrainingAndrews Hooper Pavlik PLCBKD, LLPCAMELS Consulting GroupCrowe Horwath LLPDon Jeffery & AssociatesDon Mann, Bank ConsultantDoeren MayhewHagle & Associates, Inc.Heber Fuger Wendin, Inc.ICBA Online Training CenterJLH Associates, LLCMcQueen Financial AdvisorsPlante & Moran, PLLCPM Environmental, Inc.Red Rock Information Security, LLCRehmanns.a. Peters Marketing & Consulting, Inc.Varnum, LLPYoung & Associates, Inc.

Correspondent BankingServicesAssociated BankComerica Bank FIGGreat Lakes Bankers BankTIB – The Independent Bankers BankUnited Bankers’ Bank

Credit Card ServicesICBA Bancard & TCM Bank***FiNet, Inc. ***

Consumer Debt ConsultingGreenPath Debt Solutions, Inc.***

Data ProcessingCSI – Computer Services, Inc.FPS GOLDJack Henry Banking

Disaster Recovery PlanningAndrews Hooper Pavlik PLCFiserv, Inc.FPS GOLDPlante & Moran, PLLCRed Rock Information Security, LLCRehmann

Document Imaging/DocumentManagementCSI – Computer Services, Inc.***FPS GOLD

Electronic/Internet BankingFirstData/Funds Xpress***CSI – Computer Services, Inc.

Employee Benefit ServicesCBM Insurance Agency (CBIA)***DynamicHRGRA Benefits GroupHUB International Midwest Limited, Inc.Michigan PlannersPinnacle Wealth StrategiesWatermark Employee Benefits, LLC

Environmental ServicesPM Environmental, Inc.


The following CBM Associate Members are ready to serve you when you need them. Please keep this list handy, and the next time you’re looking for a specific service, you’ll know where to look first. Remember, this is just a sampling of what each company provides. (NOTE: “***” denotes CBM Associate Plus Partners. Extensive initial and ongoing due diligence has been performed and is available for your review.)

Community Bankers of MichiganProducts and Services Reference List

Executive Search/RecruitingAngott Search GroupRehmann

Facilities ManagementTeam Facilities, Inc.

Fee/NonInterest IncomeDeluxe Corporation***EBS***IMAC Insurance - Marketing - Administration***FiNet, Inc.***Quick Life***

Fraud DeterrenceAndrews Hooper Pavlik PLCRehmann

Furniture/FurnishingsFinancial Furnishings, Inc.***

Government Affairs/LobbyingGovernmental Consultant Services, Inc.

Human Resource Services/PayrollDynamicHR***Andrews Hooper Pavlik PLCRehmann

ID Theft ProtectionCBM – Assurant Red Flag ID Fraud Solutions***Deluxe Corporation

Insurance/BondingCBM Insurance Agency (CBIA)IMAC***Investors Title Insurance Co.***QBE***Seattle Specialty Insurance Services, Inc.***Austin Associates, LLCFirst Service CorporationHUB International Midwest Limited, Inc.ICBA ReinsurancePinnacle Wealth Strategies Travelers Insurance Co.***

Investment Banking ServicesAustin Associates, LLCBairdBoenning & Scattergood, Inc.Charter Capital PartnersDonnelly Penman & PartnersHeber Fuger Wendin, Inc.McQueen Financial AdvisorsThe Baker Group

Legal/Law FirmsBodman, PLCFoster, Swift, Collins & Smith, PCHoward & Howard, PLLCKotz Sangster Wysocki P.C.Kus Ryan & Associates, PLLCLuse Gorman, PCSimon PLC Attorneys & CounselorsStrobl & Sharp, P.C.Varnum LLPWarner Norcross Judd, LLPWeltman, Weinberg & Reis Co., L.P.A.

Lending ServicesD+HEconomic Development FoundationICBALERETA, LLC***Michigan Certified Development Corp.Top Flite Financial, Inc.Towne Mortgage Company

Marketing Servicesbcp (Blohm Creative Partners)RjMs.a. Peters Marketing & Consulting, Inc.WSI Internet Consulting

Merchant ServicesFiNet, Inc.***

Office SuppliesFF&S, Inc.***

Overnight ShippingUnited Parcel Service (UPS)***

PrintingFF&S, Inc.***

Real Estate ServicesInvestors Title Insurance Co.***LERETA, LLC***Michigan State Housing Development Authority (MSHDA)Miedema Auction Companies***Weltman, Weinberg & Reis Co., L.P.A.

Security – Information Security& Managed Security ServicesRed Rock Information Security, LLC

Securities/Investments - BankBairdICBA Securities***Heber Fuger Wendin, Inc.McQueen Financial AdvisorsUnited Bankers’ Bank

Securities/Investments/Annuities/Brokerage - RetailInvestment Professionals, Inc.***Pinnacle Wealth Strategies

Wholesale Banking-Funding andMortgage PurchasesFederal Home Loan Bank of IndianapolisFederal Reserve Bank of Minneapolis

***denotes CBM Associate Plus Endorsed Partners. Extensive initial and ongoing due diligence has been performed and is available for your review.

For individual company contact information, please visit www.cbofm.org - go to Members; click on Associate Members from the drop-down menu.


Call SHAZAM today.

Delivering Unlimited Possibilities

855-314-1212 | shazam.net | @SHAZAMNetwork

We believe community financial institutions must stay in control of

their future. Since 1976, we’ve been providing community financial

institutions with choice and innovation to compete in the market.

From debit cards to core processing to marketing services and

more, we deliver.

SHAZAM is a financial services company offering you choice and flexibility to use the products and services that meet YOUR needs.

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Community Bankers of Michigan presents: Building Powerful Bank … · 2018. 10. 8. · Please note:...

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