Go Local
Go Local for the Holidays is Spreading the Cheer
This week, ICBA’s Go Local initiative launched “Go Local for the Holidays.” The campaign encourages shoppers to Go Local this holiday season by doing at least 30 percent of their shopping at area small businesses. By doing so, consumers will be supporting small businesses that create local jobs and fuel economies, ultimately helping community banks and local entrepreneurs thrive.

Community banks can participate by utilizing marketing resources, customizable press releases and op-eds, talking points, sample social media posts and logos on the Go Local website to use throughout the holiday season. The website also has a fresh, redesigned look that is easier to navigate and more appealing to consumers, small businesses, media, and community banks who are either utilizing or plan to utilize the campaign. The site also features the all new Go Local blog with posts from those who support the Go Local message. 

More Information:
To learn more about ICBA’s Go Local Holidays initiative and ways you can go local, visit www.icba.org/golocal, and to join the conversation, follow @ICBA on Twitter and the hashtag #golocal.

Member Spotlight
Local Va. Community Bank Provides AirCharity®
In the wake of Hurricane Sandy, MainStreet Bank of Herndon, Va. has established AirCharity to assist in donation efforts for those who were affected by the damaging storm. One hundred percent of AirCharity donations will benefit the American Red Cross Hurricane Sandy Relief Fund, and MainStreet Bank is covering all the processing costs for donations. Find out more.

Membership News & Announcements
ICBA Seeks Community Banking Emerging Leaders

ICBA is requesting nominations of community bankers to profile as emerging industry leaders in ICBA Independent Banker. Several individuals who exemplify the hallmarks of community banking—effectiveness, integrity, ingenuity, leadership and top-flight customer service—will be highlighted as upcoming industry leaders. People with different responsibilities, such as those in management, lending, marketing, technology and compliance positions, will be featured in articles explaining their professional success and effectiveness. Nominations, which should briefly explain why those nominated are outstanding representatives of our industry, are due Thursday, Nov. 15.

More Information:

Community Bank Tech Trends Revealed
The 2012 ICBA Community Bank Technology Survey released last week gives an inside look on technology trends and adoptions in the industry. A major finding includes adoption of mobile banking technology and applications. More than twice as many community banks offer mobile banking to their customers (37 percent) than did two years ago, the survey found. Another 44 percent plan to offer the service in the next 24 months. A majority of community banks that offer mobile banking now offer a downloadable app (57 percent, up from 13 percent in 2010) for mobile devices. Customer adoption is just beginning, however, with an average of 8 percent of consumers and 5 percent of businesses using their bank’s mobile banking offering.

Among other major findings include a review of regulatory compliance concerns, top key technology decisions, cost containment strategies due to data security breaches , technology spending trends, online banking usage, paperless statements, and usage of social media and tablets.

More Information:

Member Renewal Notices Coming Soon
ICBA annual membership renewal notices will be mailed in the next few weeks.  Community banks are encouraged to review the information and take full advantage of all membership benefits. ICBA looks forward to continuing to work for community bankers in 2013 and thanks its members for their dedication and support.

Have you renewed your 2013 ICBA membership?
If you have any questions, comments or concerns regarding your annual ICBA membership renewal, please contact the member relations department’s Jeanie Klasen or phone: (800) 422-7285, ext. 7325.

ICBA Designs Compliance Workshops with Bankers’ Needs in Mind
ICBA’s National Convention and Techworld®, March 11-15, at the Wynn Las Vegas and Encore is offering an entire track of compliance and risk management programming to bring attendees up to speed on the latest developments. A sampling of some of the workshops being offered include: Fair Lending Compliance; Taming the Compliance Beast: Navigating Regulatory Change; and New Rules of the Road for Mortgage Lending.

A key feature of ICBA’s convention is attendees’ ability to design their own learning experience based on personal and professional needs while earning CPE Credits.

More Information:

  • Register today to qualify for a $300 early bird discount. To learn more about the nine educational tracks and to start customizing your experience visit the convention website.

Products & Services
Earn CRA Credit Before the End of 2012
In this economy, many banks have been putting off the fact that they need Community Reinvestment Act (CRA) credit before the end of this calendar year. By protecting elderly citizens with the Senior Crimestoppers program, your community bank can receive CRA credit with a guaranteed annual yield, bank-directed security selection and CRA assessment area selection, no credit risk or exposure, no overhead or administrative burden and positive public relations within your community.

More Information:
  • For more information about this CRA opportunity, contact Sue Shaffer  at (877) 232-0859.

Read the November Issue of BankInsurance.com
In the latest issue of BankInsurance.com News from Michael White Associates–Rising Results: Banks boast gains in investment income, annuity income and more. Community Banks are reaping the rewards-this issue reveals that first-half community bank investment program revenues are the best they’ve been in the last six years–with double digit and near double-digit growth in two investment income categories. Also in this issue, find out the reason most bank customers say they are getting their mortgages elsewhere, plus…a new trend for independent insurance agencies.

More Information:

Webinar: ICBA Banks' Total Lease Receivables Up Seven Percent
Lease receivables for ICBA banks are up 7 percent in 2012, growing from $2.2 billion in 2011 to $2.5 billion. OneWorld Business Finance’s upcoming webinar on Thursday, Nov. 15 at 3 p.m. (Eastern time) will detail how your bank can obtain a share of this business by expanding the relationship with C&I customers through equipment financing & leasing, and also discuss the five components to a referral transaction.

More Information:

  • Call or email Bill Mapes to get more information or register at (855) 698-6676, ext. 233.

Webinar: Building A Risk Scorecard
Bank Intelligence Solutions from Fiserv is hosting a webinar on Thursday, Nov. 15, that focuses on how community banks can establish a means to easily view and track risk factors from an enterprise perspective with a Risk Scorecard and communicate with a bank’s board of directors, management and examiners in a concise manner.

More Information:

Article: Creating a Connected Culture for Your Community Bank
Community banks understand the importance of employee engagement in the realization of bank objectives. Engaged employees typically seek ways to further the bank’s goals without the constant prodding or micro-management often required of “barely there” employees. In this article Compushare Client Technology Officer Don Baham examines how technology can be used effectively to connect the culture of your bank to achieve maximum success. 

More Information:

Save the Date! Events from ICBA Education
Audio Conference: Future of Risk Management: Everyone's Job!
Over the past 15-20 years the role of banks has shifted from being "financial intermediaries"-matching depositors with borrowers-to being "risk intermediaries". This evolution has left many institutions lagging as they haven't recognized the change or taken the necessary actions to adapt to the new reality. Regulators, on the other hand, are more and more defining "Safety and Soundness" as the ability to actively manage this new world of risk. Their term - Enterprise Risk Management - clearly demonstrates their belief that Risk Management is the job of everyone in the institution. This audio conference is not about the "what" of ERM, the technical terms and fine details. It provides more of a "how" to deal with ERM issues, how to start building an ERM approach that will fit your institution's needs. 

More Information:

Webinar: Unfair or Deceptive Acts/Practices Act Compliance
Join Mary Thorson of Chartwell Compliance and the ICBA Risk & Compliance Management Division on Thursday, Nov. 15 for an updated view of UDAP compliance. Attendees will gain a better understanding of subjects, such as:

  • Unfair or Deceptive Acts or Practices Act (UDAP);
  • UDAP emerging as a compliance force - what you need to know to protect your bank;
  • Recent trends in examination findings - what it could mean for your bank ; and
  • The "CFPB Effect" on UDAP requirements

More Information:

Webinar: Mobile Banking and Patent Infringement
Join ICBA on Nov. 15 at 3 p.m. (Eastern time) for a discussion concerning mobile banking and patent infringement. As online and mobile banking solutions increasingly intersect with the hotly-litigated world of smartphones and smartphone applications, banks continue to be targeted for claims of patent infringement. Within the past month alone, for example, plaintiffs have filed twenty different lawsuits against a variety of financial institutions alleging infringement of patents related to iPhone and Android online and mobile banking applications. On this webinar, we will discuss the affect of patent litigation on the online and mobile banking markets and the steps that can be taken to minimize the risks of competing in those markets.

More Information:

ICBA Online Training Courses Offer Full Audio and Randomized Test Questions
From compliance topics to desktop training and everything in between, the ICBA Online Education Center offers members access to hundreds of online courses that are customized for community banks and updated as regulations change. Included with the purchase of these courses is access to a learning-management system that allows community bankers to accurately track course progress and achievement rates. Courses are available for both institutions and individuals and include full-audio and randomized test questions.

Check Out our Newest Courses:

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