ICBA Newsletter

8/13/2019 ICBA Newsletter

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Are Your CustomersFinancially Ready ForHappy Holidays?by Paul WestonCEO, TCM Bank, N.A.

Many customers feel the economy is looking a little

brighter these days. eyre ready to shop and travel more

actively over the holidays, which is good news for us all.

You might consider giving them an early holiday gift: a

tip that they need to be sure their credit card line is robust

enough to support their plans. Many peopleId even say

mostdont realize that the Dodd-Frank Act prevents

credit card companies from automatically granting a

credit line increase. Cardholders must now request one.

Introducing the topic to a customer

In community bank lobbies during the next few weeks,

the friendly greeting youre most likely to hear is Hi!

Getting ready for the holidays?

If your branches accept credit card payments, its easy to ask whether the customer would like us to see if their credit

limit should be increased. is is also a natural question when processing a balance transfer request.

In fact, a teller or customer service representative can add value to just about any transaction by saying, Were

asking customers who carry our credit card if they would like a free review of their credit limit before the holidays.

Would this interest you?

Why might a customer want a credit line increase?

A higher limit gives customers more financial flexibility, while potentially saving them money and improving their

credit standing. For someone with a substantial balance who plans major purchases or family travel during the

ARE YOU READY FOR THESEASON?

AGENT SPOTLIGHT

UP TO DATE NEWS

CONTACT US

December 2012

TCMNEIGHBORHOODNEWS


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Getting Involved at the GrassrootsbyAgnes NassoManager, Marketing and Communications

is is the time of year when many community banks collect canned food for

the needy. So do lots of big banks, of course. Maybe you donate to the highschool yearbook, the hospitals fundraising golf tournament, or Fourth of July

fireworks. But so does the big bank down the street.

What can you do to reach your customers and prospects ona more personal, grassroots level?

What brought this to mind was recent media coverage of Hurricane Sandys

devastating assault on New Jersey and New York with a 13-foot storm surge

and 100-mph winds, leaving hundreds of people homeless and thousands

without power. Banks of all sizes responded by relaxing loan terms forborrowers. But at least one community bank rallied with ingenuity. Deprived

of electricity, Two River Community Bank of Tinton Falls, N.J., served its

customers in natural sunlight, using manual ledger entries and hand-written

checks to record withdrawals. at is one of the benefits of community banking, said Robert C. Werner, chief

operating officer of Two River. We do know all our customers and you can provide that type of service.*

ats the true spirit of community but theres no need to wait for a calamity to make it visible. By becoming an

active member of your community, your bank can be a more important part of it. Youll increase awareness of (and

preference for) your brand. To young people and newcomers, there may be no clear difference between you and a

megabank right now.

Here are some ideas you might consider, if you havent already:

Its not just everybody within so many miles of your branches; its people with shared

values. Whats important to them? is will help you determine what kinds of community involvement may

have the most impact.

For example, you might tie in with TCM

Banks 2013 Back to School Promotion. TCM will donate school supplies to the bank that wins the promotion,

based on the number of approved credit card applications submitted. When was the last time your bank did

something distinctive for your community? In 2013, try using your grassroots advantage to make your brand

better known and more preferred.

*Banks in superstorm disaster areas using ledgers again, New York Daily Sun, 11/6/12


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Evolve Bank & Trust Community Involvementby Scott StaffordEvolve Bank & Trust, Memphis, TN

At Evolve Bank & Trust, our mission is to make

every customers experience positive, memorable and

productivefrom the moment they walk into our

doors, to the second they log onto our website.ats

the way weveworked for 85 years, and as we grow

into this next century, the customer-first pledge willcontinue to be our foremost promise.

Evolve began in June 1925 as First State Bank and

quickly became the primary financial institution in

eastern Cross County, Ark., providing essential capital

for agricultural growth and development. In less than

30 years, the banks resources increased to more than

40 times what they were when it beganproving that exceptional personal service and community involvement are

indeed key for real, long-term progress.

Today, community involvement continues to be our priority. In addition to a full-range of personal and banking

solutions, as well as competitive loan products offered through a network of production offices throughout the U.S.,

Evolve supports many nonprofit causes with dynamic, community-focused solutions of their own.

Weve even gone global. Evolve recently sponsored Haiti 15, a company-wide initiative to provide humanitarian

support, including home construction, soccer camp activitiesand food donations tofamilies living in a camp in

omassin, Haiti.


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New to the Neighborhood

Alliance Bank

BankSouth

Citizens Federal Credit UnionClarke County State Bank

Costal Bank & Trust

Community State Bank of Southwestern Indiana

Cumberland Security Bank

First Bank of Richmond

First Community Bank

First Federal S&L Assn of Mattoon

First Southern Bank

Flatirons BankInvestar Bank

Landmark Community Bank

Pioneer Bank

State Bank of Bottineau

e Peninsula Bank of Ishpeming

e State Bank of Faribault

e Washington Savings Bank

West Pointe Bank

5 Year Anniversary

BAC Florida Bank

Beartooth Bank

Colonial BankFarmers Bank

Firstar Bank

First State Bank

Old Town Bank

United Republic Bank

United Southwest Bank

Warren-Boynton State Bank

Waterford Bank

10 Year Anniversary

Bank of the Orient

Casey State Bank

First National Bank of Bangor

First Security Bank

Manufacturers Bank & Trust Company

Minnesota National Bank

Pittsfield Cooperative Bank

Premier Bank IncProvincial Bank

SSBBank

United Savings Bank

Agent Anniversaries


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Welcome New TCM Board Members

Chairman, Southern Commercial Bank

I'm the chairman of Southern Commercial Bank, a $525 million bank with 10 branches

in St. Louis City and Jefferson County, Missouri. And I am also chairman of Bank of

Hillsboro, a $60 million bank with a single location in Hillsboro, Missouri (a town

about 40 miles south of St. Louis). I am on the CFPB Community Bank Advisory

Council and also on the Regulatory Review committee of e ICBA and am past

chairman of ICBA Reinsurance. is year I am honored to be the Chairman of the

Missouri Independent Bankers Association. Before banking, I was the law clerk for a

federal bankruptcy judge in St. Louis for 11 years.

William C. Rosacker President, United Bankers Bank

William C. Rosacker is President and CEO of United Bankers Bank, Bloomington,

Minn., Rosacker has been chairman of the ICBA Political Action Committee as well as

a member of several ICBA committees including Bank Services, Bank Stock Financing,

By-laws Review, Long Term Planning and Payments and Technology. He is a member

of ICBA Bancards Board of Directors and was a member of the Board of Directors ofICBA and ICBA Bancard. Rosacker is a member of the Bankers Bank Council and

the Independent Community Bankers of Minnesota. Currently, he is on the board of

directors of the bank his wife co-owns, e First National Bank of Bagley in Bagley,

Minn. Prior to joining UBB, Rosacker held management positions at F&M Marquette National Bank where he was

a member of the senior management committee and led the correspondent banking and the investment divisions.

On top of Rosackers 37 years in banking, he has completed advanced banking education through the Minnesota

School of Banking, Midwest Institute of Banking, and the Federal Reserve. Rosacker was a member of the faculty

and advisory panel of the Minnesota Commercial Lending School.

Noah W. Wilcox President/CEO, Vice Chairman, Grand Rapids State Bank

I am a fourth generation bank owner that is fiercely passionate about the preservation

of independent banking. We have been ICBA members for more than 70 years. I have

two young daughters and a wife that I love to spend time with when I am not trying to

save community banking and I am an avid fly fisherman. Having the opportunity to

give back to an industry that has been so good to my family and my community for the

past 98 years has been a career highlight for me.


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