Update

Extraordinary Service for Extraordinary Members

March 13, 2019 Volume 41 Issue 11

www.nebankers.org

Nebraska Bankers Allocate $173,167 to University Campuses for 2019-2020 In a continuing effort to assist the University of Nebraska in attracting top-notch students to the university system, the NBA’s University Foundation Allocation Committee has awarded $173,167 for the 2019-2020 school year with the following allocations by campus:

• University of Nebraska - Lincoln — $ 96,000 • University of Nebraska - Omaha — $ 24,000 • University of Nebraska - Kearney — $ 24,000 • University of Nebraska Medical Center — $ 29,167

View full allocation details on page 4.

The year’s contributions bring the committee’s running total to $5,007,309 in University Foundation allocations since 1981.

Thank you to the following members of the NBA’s University Foundation Allocation Committee for their continued leadership and generous support:

• NBA Chairman Dave Dannehl, First State Bank of Loomis, Loomis

• NBA Chairman-Elect Alan Emshoff, Generations Bank, Exeter • Mark Graff, McCook National Bank, McCook • Marv Hefti, First State Bank, Scottsbluff • Christine Wilcox, Union Bank & Trust, Lincoln • Kelly Holthus, Cornerstone Bank, York • Jim Landen, Security National Bank of Omaha, Omaha

I N S E R T S

INSIDE THIS ISSUE

Tri-State Leadership Conference March 26-27, Kansas City

NBA Washington Legislative Visit

April 1-3, Washington, D.C.

Spring Agri-Business Conference April 2-3, Kearney

2019 NBA Milestone Awards Application

Banks & Bankers March 5 – March 12

Final Call NBA PEP Reports

Due: Friday, March 15

Report your bank’s financial education activities occurring

between April 1, 2018, and March 31, 2019, for a chance

to be recognized at the NBA’s Annual Convention!

Complete your bank PEP Activity Report.

Click HERE to view list

of banks that have submitted reports.

NBA Annual Meeting Notice

Notice is hereby given that the Annual Meeting of the Nebraska Bankers Association Inc. will be held Thursday, May 2, 2019, at 11:15 a.m. at the Embassy Suites in La Vista. The Annual Meeting is held in conjunction with the NBA Annual Convention, May 1-3, 2019. The NBA encourages you to attend.

Richard J. Baier, NBA President & CEO richard.baier@nebankers.org

2 NBA Update • www.nebankers.org • 3-13-2019 Extraordinary Service for Extraordinary Members

News Briefs from Washington FFIEC Issue Policy Statement on Examination Reports As part of its ongoing exam modernization initiative, the Federal Financial Institutions Examination Council last week issued a policy statement aimed at promoting clarity and consistency of examination reports. The policy statement—which is intended to reduce regulatory burden for community banks—includes principles that “set forth minimum expectations of what should be included in all reports of examination (ROE).” Among other things, the principles establish that all ROEs should present conclusions and issues in order of importance; document the condition and risk profile of the institution; discuss the adequacy of the institution’s risk management practices; and document issues of supervisory concern or warranting prompt corrective action. Concurrently, the agencies are rescinding their 1993 Interagency Policy Statement on the Uniform Core Report of Examination. Read the policy statement.

Op-Ed Challenges Efforts to Open Investor Capital to Credit Unions On the eve of the largest credit union industry lobbying event of the year, a Newsmax op-ed columnist Friday argued against a rule change being considered at the National Credit Union Administration (NCUA) that would allow institutional investments in credit unions. “At their core, credit unions are not-for-profit cooperatives, set up so their customers are ultimately the decision-makers for the institutions,” wrote Drew Johnson, senior fellow at the National Center for Public Policy Research. “Investor capital could change all of that.” He added that institutional investors—including pension funds, mutual funds, insurers and hedge funds—are most likely to be attracted to large and fast-growing credit unions, which would further widen the gap between the largest bank-like credit unions and small, focused institutions. Specifically, Johnson argued, credit union management is likely to be more attuned to large institutional investors than to a single member-owner, and facilitate large credit unions growing out of sync with their statutory mission. “Unless the NCUA does something to change the current trend, credit unions will be little more than a group of billion-dollar actors in search of profits while exploiting their not-for-profit structures,” he wrote. Read the op-ed.

IRS Releases ‘Dirty Dozen’ List, Common Tax Season Scams The Internal Revenue Service (IRS) recently released its 2019 “Dirty Dozen” list of common tax scams, reporting phishing as one of the most common tactics used to commit tax fraud. The agency urged taxpayers to be on the lookout for new variations of phishing schemes, unscrupulous tax return preparers, and scams related to identity theft during the 2019 tax season. Read news release. The IRS issues its annual “Dirty Dozen” scam list to raise awareness on common scams taxpayers may encounter during the filing season and provide tips to avoid them. Learn more about the IRS Dirty Dozen list.

News Source: American Bankers Association

Extraordinary Service for Extraordinary Members 3-13-2019 • www.nebankers.org • NBA Update 3

Educational Foundation Awards $22,000 in College Scholarships The NBA is pleased to announce the 2019-2020 Nebraska Bankers Educational Foundation (NBEF) William B. Brandt Memorial Scholarship winners. Each recipient will receive a $2,000 scholarship to continue theireducation at the state or privately funded Nebraska college or university in which they are enrolled.

The NBA extends our gratitude to the Brandt family and the many other banks and bankers who have made these scholarships possible through financial gifts to the foundation. As the fund had grown with recent contributions, the NBEF was able to add two additional scholarships for this year!

In addition, thank you to the bankers who took time to write recommendation letters for these Nebraska students. The selection process was very difficult as always with many high-quality applicants. Please continue to look for qualified applicants for next year’s awards. Scholarship criteria and guidelines can be viewed at: https://www.nebankers.org/scholarships.html. Here is a list of the 2019-2020 scholarship winners and the nominating bankers:

Erika Goracke, Sterling, Nebraska WesleyanUniversityRussell Trauernicht, FirstBank of Nebraska, Sterling

Allan Brenner, Norfolk, Wayne State CollegeMarcy Kratochvil, Midwest Bank, Norfolk

Ashton Lindsay, Norfolk, Wayne State CollegeTroy Strom, U.S. Bank N.A., Norfolk

Catherine Elliott, Omaha, Nebraska WesleyanUniversityBradley Brummund, First National Bank, Omaha

Chelsea Wortmann, Crofton, Wayne State CollegeLarry Cooper, Farmers & Merchants State Bank, Crofton

Dillon, Lubischer, Pierce, Wayne State CollegeDoug Johnson, Midwest Bank, Pierce

Drew Hoffman, York, Nebraska Wesleyan, Zach Suddarth, Cornerstone Bank, York

Jonathan Quintanilla, Fremont, Midland UniversityCindy Slykhuis, First Bank & Trust Co., Fremont

Mikayla Fredrickson, Ceresco, Nebraska WesleyanJessica Wurtele, Frontier Bank, Omaha

Murphy Sears, Crete, Concordia University Jason McCown, Union Bank & Trust Co., Lincoln

Tate Schmaderer, Stuart, Nebraska Wesleyan Kelly Lutomski, West Gate Bank, Lincoln

Compliance Alliance Q&A Q: We have a question on a loan that is a refinance of a purchase ofa second home and is adding funds to pay off personal credit cards. Should be report the HOEPA Status as "Code 3 - NA"?

A: Assuming the loan is just secured by the second home and is not also secured by the principaldwelling, then yes, it should be reported as "Code 3 - NA" like you said. The reason for this is that HOEPA only applies to: ...a high-cost mortgage, which is any consumer credit transaction that is secured by the consumer's principal dwelling... https://www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/32/

So, the HOEPA rules do not apply to this particular loan and, thus, it would be reported as not applicable for HMDA purposes.

Not a Compliance Alliance Member? Learn more about membership with Compliance Alliance by attending one of our live demos:

• Thursday, March 21 @ 1:00 p.m. CT• Tuesday, March 26 @ 10:00 a.m. CT

Compliance Alliance offers a comprehensive suite of compliance management solutions. To learn how to put them to work for your bank, call (888) 353-3933 or email info@compliancealliance.com.

A Nebraska Bankers Association Company

4 NBA Update • www.nebankers.org • 3-13-2019 Extraordinary Service for Extraordinary Members

Banking Industry to Donate $173,167 to the University of Nebraska The NBA’s University Foundation Allocation Committee made the following allocations for 2019-2020:

UNIVERSITY OF NEBRASKA - LINCOLN — $96,000 Department of Agricultural

Economics Internship Program - $75,000 Based upon program criteria, the UFAC awarded $2,500 scholarships for seniors, $2,000 scholarships for juniors, $1,500 scholarships sophomores, and $1,000 merit-based scholarships for freshmen students majoring in agricultural finance and banking. Since 2005, UFAC has funded scholarships for UNL’s Ag Econ internship program in the amount of $860,500.

COB Department of Finance Scholarship Program - $11,000 UFAC awarded five $2,000 scholarships and one $1,000 scholarship for juniors and/or seniors majoring in finance, banking, or business. Since 2008, UFAC has funded 91 scholarships for UNL CBA students in the amount of $146,500.

COB Professorship/Faculty Fellow - $10,000

UNIVERSITY OF NEBRASKA - OMAHA — $24,000 NBA Honors Program and NBA Distinguished Scholarship Award Program - $19,000

UFAC awarded three $1,000 scholarships for students with up to 30 hours who have demonstrated an interest in finance and/or banking; two $2,000 scholarships to students with 30 or more hours who have declared a major specialization in finance and/or banking; and four $3,000 scholarships to students with 58 or more hours who have declared a major specialization in finance and/or banking. Since 1995, UFAC has funded 153 scholarships for UNO finance and/or banking students in the amount of $314,500.

NBA Professorship - $5,000

UNIVERSITY OF NEBRASKA - KEARNEY — $24,000 CBT Scholarship Program with Focus on Banking-Related Careers - $24,000

The committee awarded 27 scholarships for students who are demonstrating a commitment to pursuing banking-related careers in Nebraska: six one-year $750 scholarships for freshmen; six one-year $750 scholarships for sophomores; seven one-year $1,000 scholarships for juniors; and eight one-year $1,000 scholarships for seniors. A total of 279 scholarships have been funded for the UNK College of Business & Technology banking program since 2010 in the amount of $274,500.

UNIVERSITY OF NEBRASKA MEDICAL CENTER — $29,167 Bruker Biospin Robotic Sample Case Autosampler - $15,000 Custom Electroretinography (ERG) System - $14,167

Total Allocations to all campuses for 1981-2019 = $5,007,309 Total Scholarships to all campuses for 1995-2019 = $2,960,000

Total Grants for Buildings, Equipment, Research & Professorships for 1981-2019 = $2,052,308

For details about NBA scholarships through the University of Nebraska Foundation, or to contribute to the Nebraska Bankers Fund, visit https://www.nebankers.org/scholarships.html.

MARCH 26‐27 

2019 

TRI‐STATE LEADERSHIP & 

HUMAN RESOURCES CONFERENCE 

For Bank Leaders, Managers, and HR Professionals 

Kansas City Marriott Country Club Plaza 

TUESDAY, MARCH 26, 2019 ________________________________________________________  8:00 – 8:30 a.m.  Registration and Refreshments  

8:30 – 8:45 a.m.  Welcome by KBA, MBA, NBA Representatives  

8:45 – 10:00 a.m.  CONNECTING THE WORKPLACE AND LIFE   Paul Long, FUNDAMISM 

In this session, Paul will introduce his concept of Fundamism while explaining how it can help combat negativity in the workplace, improve customer experience, and promote employee satisfaction. The Fundamism philosophy can be applied by all, so motivation is ultimately  created not only from the top down, but the bottom up.   

10:00 – 10:30 a.m.  Refreshments and Exhibitor Visits  

10:30 – 11:30 a.m.  UNLEASH THE MOST POSITIVE YOU   Susie Thompson, Wood & Huston Bank 

In our stress‐filled world of balancing work and family priorities, our attitude is something we have complete control over and has a significant impact on our happiness and sense of fulfillment. Learn to stay positive and influence others to brighten your environment. Susie will motivate you to incorporate a healthier attitude into your everyday mindset by sharing approaches for emphasizing the positive and diffusing the negative.  

11:30 a.m. – 12:45 p.m.  Lunch and Exhibitor Visits  

12:45 – 1:45 p.m.  Breakout Sessions  

  MILLENNIALS TO BOOMERS: COMPENSATION STRATEGIES TO ATTRACT AND RETAIN TALENT Rob Barton, Bank Compensation Consulting  Offered at 12:45 and 2:00 p.m. 

Looking beyond today and making critical compensation decisions regarding key employees will greatly influence the future of your institution. This session will address current trends in compensation at community banks, while examining solutions others have used to achieve financial goals.   

  EMPLOYMENT LAW PRIMER FOR COMMUNITY BANKS Jason Weber, Crawford Wishnew Lang  Offered at 12:45 and 2:00 p.m. 

This session will provide a general overview of typical issues concerning employment matters that community bankers face or should consider and touch on new SEC standards for waiver agreements, background checks (the zen of finding the sweet spot between the FDIA and what the EEOC thinks you should be doing) and the new overtime rules.  

  CREATING A COLLABORATIVE WORK ENVIRONMENT Vicki Kraai, VK Solutions   Offered at 12:45 p.m. ONLY 

We spend more of our waking hours at work than anywhere else. Do you want an environment that fuels you or sucks the life out of you? People leave jobs for many reasons, but poor management and toxic work environments top the list. This engaging session will walk through the workplace through the lens of the employee as well as a discussion related to managing the generations within our workplace.   

  WORKING TOGETHER: HOW TO MENTOR THE NEXT GENERATION OF DIVERSE LEADERS Emily Bogan, nCino   Offered at 2:00 p.m. ONLY 

Most financial institutions understand the importance of diverse teams and leaders, yet many struggle with the execution of this goal. This is a problem, as studies have shown that teams with gender and racial diversity are 15% more likely to meet their business goals and 70% more likely to capture new markets. Whether you're trying to climb the corporate ladder or build a more inclusive culture, you're likely to face challenges along the way. 

 

VENDOR DISPLAYS:  During the breaks, over lunch, and at the reception, please stop by the vendor booths that have been setup by this year’s conference sponsors!  Please help us thank them for their involvement by supporting the conference.

1:45 – 2:00 p.m.  Transition Break and Exhibitor Visits  

2:00 – 3:00 p.m.  Breakout Sessions (repeated ‐ see descriptors above)  

3:00 – 3:15 p.m.  Refreshments and Exhibitor Visits  

3:15 – 3:20 p.m.  Update on the Graduate School of Banking – Madison  

3:20 – 4:30 p.m.  ROI – INVESTING IN YOUR PEOPLE   Vicki Kraai, VK Solutions 

Being intentional about investing in our “People” portfolio is key to creating a culture of teamwork and a healthy work environment.   Developing people and getting everyone in the right seats on the bus is critical to the success of any organization from hiring right, developing leaders internally and building strong teams. Vicki will lead participants through best practices to increase your return on investing in employees resulting in increased engagement and retention in your workplace.  

4:30 ‐ 5:30 p.m.  Cocktails and Conversation – Exhibitor Visits  

Evening   Dinner on your own 

WEDNESDAY, MARCH 27, 2019 _____________________________________________________ 7:15 – 8:00 a.m.  Breakfast Buffet and Exhibitor Visits  

8:00 – 8:15 a.m.  Exhibitor Drawings  

8:15 – 8:20 a.m.  Update on the Graduate School of Banking – Boulder  

8:20 – 9:45 a.m.  LEADERSHIP PICKLES   Loretta Summers, SPHR, SHRM‐CSP 

When you complete this session, you’ll be able to identify the three Leadership Pickle skills that include why spreading enthusiasm, inspiring confidence and demonstrating integrity are important leadership skills.  You will also be able to determine how to increase your effectiveness in each of the three Leadership Pickle skills. 

 

9:45 – 10:45 a.m.  MINDSET MATTERS: OPTIMIZING CULTURE TO IMPACT PERFORMANCE AND PROFITS   Chris Scaffidi, The Pacific Institute 

Current research demonstrates that organizational culture is the essential building block of organizational performance.  The essence of a constructive culture is the ability to adapt to change and empower people to be co‐accountable for organizational results.  Drawing on the latest information from the field of cognitive science, this session will present strategies that leaders can employ to assess and address cultural attributes that drive organizational performance.  

 

10:45 – 11:00 a.m.  Refreshment Break  

11:00 a.m. – 12:00 p.m.  UNLEASH YOUR INNER SUPERSTAR   Lynn O’Dowd 

This session will leave you super‐charged and ready to step out of your comfort zone, and risk new levels of passion, performance and courage! A transformational program that combines heart‐opening music, entertaining storytelling, an awe‐inspiring message and an unforgettable final to support you in breaking free from being super stuck to becoming super successful in business and life! Armed with her GoGaga Formula™, the transformational process she developed to help her overcome fear and achieve extraordinary success, Lynn redefied middle age and leaped from being a successful corporate time management consultant to being a rock n’ roll singer, and inspirational speaker!   

12:00 p.m.  Conference Adjournment 

CONTINUING EDUCATION  

The Missouri Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State Boards of Accountancy have the final authority on the acceptance of individual course for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.” 

Program Objectives _________________________________________________________________________   

Bank Leaders, Managers and HR Professionals play a vital role in the bank. Working with all employees, departments and functions, the HR department works to build a quality team and develop a successful organization. This conference is designed to bring needed information to our HR banking professionals, addressing human resource issues that are unique to the banking industry. Join your colleagues and our expert speakers to discuss topics including human capital management challenges, fundamental tenets, career strategies, performance reviews, employment law, and more!  

Specialized Knowledge – 10.5 credits Instructional delivery method:  Group‐Live 

 

Missouri Bankers Association is recognized by SHRM to offer Professional Development Credits (PDCs) for the SHRM‐CPSM or  SHRM‐SCPSM.  This program is valid for 8.p5 PDCs for the SHRM‐CPSM or  SHRM‐SCPSM. For more information about certification or recertification, please visit www.shrmcertification.org. 

GENERAL INFORMATION

Conference Registration Fee __________________________  Early Bird Member Fee  ............................... $340.00  

(If received by March 12, 2019) After March 12 ............................................. $370.00  Non‐Member Fee ........................................ $505.00  Spouse/Guest Fee .......................................... $40.00  

 

The member fee applies to members of the Nebraska, Kansas, or Missouri Bankers Associations. The registration fees include all conference sessions and materials, the Tuesday luncheon and evening reception, Wednesday breakfast buffet, and break service both days. The spouse/guest fee includes the Tuesday evening reception only. The deadline to receive refunds for cancelled registrations is Tuesday, March 12, 2019.  

Hotel Information  __________________________________  A room block has been secured at Kansas City Marriott Country Club Plaza. Special rates are $159 for single/ double occupancy plus tax. To reserve hotel accommodations, please call the hotel at 913‐451‐8000. The room block expires March 4, 2019. After that date, reservations will be handled on a space availability basis.  Please indicate you’re with the Tri‐State Leadership & Human Resources Conference room block. 

Kansas City Marriott Country Club Plaza 4445 Main St., Kansas City, MO 

Phone: 816‐531‐3000 

Dress Attire ________________________________________  Business casual is recommended for all sessions.  Remember, meeting room temperatures and personal comfort zones vary widely.  It is recommended that you bring a sweater or jacket to the sessions.  Disabilities or Dietary Restrictions ‐ If you have any dietary restrictions or disabilities and need assistance, please call Cheri Messerli at 573‐636‐8151. 

Questions ‐ If you have questions concerning any part of this conference, please call the MBA Education Department at 573‐636‐8151. 

SPECIAL REBATE OFFER: Tri‐State Conference participants who attend the 2020 Human Resource Management School, sponsored by the Graduate School of Banking at the University  of Wisconsin‐Madison will receive a tuition  rebate of $250 to showcase the  relationship between GSB and  their sponsoring states. 

A special “Thanks” to the following Conference Sponsors!

Kansas Bankers Association Missouri Bankers Association Nebraska Bankers Association

REGISTRATION FORM

March 26 - 27, 2019 Kansas City Marriott Country Club Plaza

Please TYPE or PRINT appropriate section(s) below. You may use a photocopy of this form for additional registrants. Please enter the information below EXACTLY as you wish it to appear on your name badge and registration list. Organization Information

Bank/Firm: ______________________________________________________________________________________

Bank/Branch Address: _____________________________________________________________________________

City/State/Zip: ____________________________________________________________________________________

Phone: ____________________ Fax: _______________________ E-mail: _______________________________

Name of Attendees (Spouses must be registered to attend the evening reception.)

Name: __________________________________________ Title: ________________________________________

Last 4 digits of SS#: _______________________________ Spouse/Guest: ________________________________

Name: __________________________________________ Title: ________________________________________

Last 4 digits of SS#: _______________________________ Spouse/Guest: ________________________________

Name: __________________________________________ Title: ________________________________________

Last 4 digits of SS#: _______________________________ Spouse/Guest: ________________________________

Method of Payment 3 Ways to Register

(Check all that apply)

______ Early Bird Member Fee .................................. $340.00

(Received by March 12, 2019)

______ After March 12 ............................................... $370.00

______ Non-Member Fee: .......................................... $505.00

______ Spouse/Guest Fee ........................................... $40.00

$ _________ Total Amount Due.

Payment Choice (check one): Bill Institution

Check made payable to Nebraska Bankers Association

Master Card VISA

Card Holder Name: ________________________________________

Card Number: _________________________ Exp. Date:___________

Signature: __________________________________ CVV:_________

By Phone – You can register by calling the NBA Education Center at (402) 474-1555. By FAX – Complete and fax this Registration Form to (402) 474-2148. By Mail – Complete and mail this Registration form to:

Nebraska Bankers Association P.O. Box 80008 Lincoln, NE 68501-0008

2-01/23/19

2019 TRI-STATE LEADERSHIP & HUMAN

RESOURCES CONFERENCE

Register online at www.nebankers.org

2019 SPRING AG

SPRING AGRI-BUSINESS CONFERENCE

APR 2 - 3

ANNUAL CONFERENCE

KEARNEY

LEADING EXPERTS &

NETWORKING OPPORTUNITY

TUESDAY,APRIL2,2019 8:30 a.m. Registration / Continental Breakfast

9:00 a.m. Welcome & Opening Remarks Dave Dannehl, NBA Chairman, First State Bank of Loomis, Loomis, NE

9:15 a.m. "What’s In Store for Agriculture" Darin Newsom, President, Newsom Analysis

The U.S. is dealing with burdensome stocks following six years of record production in both corn and soybeans. That has weakened our hand not only in trade discussions, but also on the global export market. Darin will take a look at the most recent Quarterly Stocks numbers (released on March 29, just a few days before the conference) marking the end of the second quarter for corn and soybeans 2018-2019 marketing year. Given the latest information on quarterly stocks, trade issues, and possible spring acreage Darin will discuss what it all might mean for the rest of the 2018-2019 marketing year. He’ll also look at what price is telling us about what old-crop ending stocks might actually be. This helps us outline possible risk management strategies not only for leftover old-crop but looking ahead to new-crop as well.

10:15 a.m. Break

10:30 a.m. "Production Increases Must Be Met with Strong Demand" Mike Murphy, Analyst, CattleFax, Centennial, CO

The beef, pork and poultry industries are set up for an increase in production during the course of the next few years. This increase in supply will result in price weakness unless demand is stable domestically and growing internationally. The grain sector, in many ways, is faced with the same challenge. Many farmers and ranchers are asking the question of what should we expect for price risk during the course of the next few years for any of the livestock or grain commodities? And what strategies should we employ to protect against this price risk.

11:30 a.m. "Overview of Technologies in Agriculture and Potential Effects on Profitability” Joe Luck, Ph.D., P.E., Associate Professor and Precision Agriculture Engineer, UNL

Technology adoption in agricultural operations was exceptionally high when commodity prices were at all-time highs recently. Since that time, adoption has slowed, and many producers have focused on how to best deploy such systems to optimize productivity in their operations. This presentation will provide an overview of technologies that may effect on-farm profitability and present case studies that demonstrate how to use data collected to drive implementation decisions.

12:00 p.m. Luncheon

Co-sponsored by

1:00 p.m. “Marketing Do’s and Don’ts in 2019” Steve Knuth, Owner, AgWest Commodities, LLC, Holdrege, NE

Grain Market Update  Market Drivers Including Trade 

Do’s & Don’ts for Producer Marketing Plans 

1:45 p.m. "Farm Bill and Washington Update” Delaney Howell, Market to Market

Agriculture policy and the political climate play a huge role in our everyday lives as agriculturalists. During this interactive presentation, Delaney takes audience members through the “ins and outs” of everything from the Farm Bill, to the current political climate and how those shaping our policy in Washington play an impact in our operations back home.

2:45 p.m. Break

3:00 p.m. "With Vision, There is Hope” Bruce Vincent, Communities for a Great Northwest, Libby, MT

It is time for change – and change will be our friend. America is ready for a new vision of conservation and environmental stewardship that is based upon hope instead of fear. In order to share this vision, we must first reintroduce the American consumer to the processes and the people of production and then lead – not

just fight – the discussion over our environment. Those who work at the ground level in implementing society’s framework for protecting the environment are positioned at the leading edge of the changes and challenges of this discussion. That edge provides exciting opportunities and hope.

4:00 – Session Adjournment & Reception 4:45 p.m. Evening is on your own.

WEDNESDAY,APRIL3,2019

8:30 a.m. Continental Breakfast

9:00 a.m. “Working with the New Normal of Natural Weather and Climate” James Garriss, Browning Media, Morgan, UT

James Garriss shares his insights about changing climate – not just the mantra of “global warming” but the short and long-term natural factors that are shaping your local weather and investments. Climate events thousands of miles away can hit the global economy and your investments. An El Niño can make it cheaper to buy a salad and raise the price of your cup of tea or coffee. Cocoa futures can soar while the price of corn plummets. The US can bask in a quiet hurricane season while China battles floods and droughts and India bakes in a weak monsoon. Meanwhile, Europe faces weather it hasn’t seen for over a decade.

10:15 a.m. Break

10:30 a.m. "Managing Expectations" Dr. David M. Kohl, Professor Emeritus, Agricultural & Applied Economics Dept., Virginia Tech

What can we expect on the road ahead? The good doctor will draw upon his decades of experience as an educator and business person to share his knowledge of global economic trends and the state of the U.S. economy. How will trade issues impact the short and long run profitability of your borrowers? What changes are on the horizon for critical variables in credit risk such as farm and ranch land values and interest rates? Which ten long term mega trends will impact the agriculture and ag lending industry from 2020 to 2030? How can producers and lenders manage expectations and position for success? Learn the three latest tools and techniques that are being used in ag lending to navigate the economic whitewater. Come with your questions to this high energy session that will get you prepared for one of the most critical periods in agriculture.

12:00 p.m. Conference Adjourns

2-02/22/19

2019 Spring Agri-business Conference

Younes Conference Center, Kearney April 2 – 3, 2019

Financial Institution: _______________________________________________

Bank / Branch Address: ____________________________________________

City/Town:__________________________________ Zip: ________________

Phone# ( ________ ) ______________________________________________

Please register the following individual(s): Last 4

Digits of Social

Security #

Member Fee: First Two Participants - $295 per person

Each Additional - $280 per person --

Non-Member Fee: $885 per person

FIRST NAME MI LAST NAME

ONLINE YOU MUST LOGIN TO RECEIVE MEMBER DISCOUNTED PRICING!

Registrations received after March 28 will be an additional $25 per person.

Four Ways to Register:  

    FAX: (402) 474-2148 WEBSITE: 

  MAIL: NBA Education Center, www.nebankers.org

PO Box 80008, Lincoln, NE 68501 Education 

PHONE: (402) 474-1555 Event Calendar

TOTAL DUE $ ____________________ 

Payment Choice (check one):  

  MasterCard VISA

Cardholder Name: _________________________________________

Card Number:_________________________________CVV: ______

Exp. Date: ________ Signature: _____________________________

2018 - 2019 Education Advisory

Committee

Lending Subcommittee

Drew R. Beers 

Tri Valley Bank, Talmage 

 

John B. Boehler 

Bruning State Bank, Holdrege 

 

Bruce D. Brester 

Midwest Bank, Pierce 

 

Andrew R. Clements 

American Exchange Bank, Elmwood 

 

Isaiah O. Graham 

Homestead Bank, Saint Paul 

 

Rick A. Heckenlively 

Points West Community Bank, Sidney 

 

Ryan M. Krantz 

Custer Federal State Bank, Kearney 

 

Jason P. Love 

Midwest Bank, Norfolk 

 

Lynn M. Massey 

First National Bank of Omaha, Omaha 

 

Justin W. Murphy 

Platte Valley Bank, Morrill 

 

Emily L. Redel‐Hurt 

Bank of Bennington, Bennington 

 

Corinne L. Safford 

Great Western Bank, Omaha 

 

Greg L. Sander 

First National Bank, Columbus 

 

Tim L. Sladek 

Waypoint Bank, Clay Center 

 

Ira A. Spanel 

Nebraska State Bank & Trust Co., 

Broken Bow 

 

Jeffrey J. Varney 

Citizens Bank & Trust, Saint Paul  

RegistrationInformation First two participants: (per person) Member: $295 Non-Member: $885 Each additional participant: (per person) Member: $280 Non-Member: $885

*If received by March 28, 2019

Advance registration for this program includes all conference materials, continental breakfasts, luncheon, break service, and the reception. The deadline for registrations and refunds for cancelled registrations is March 28, 2019. Any registrations received after that date will be an additional $25 per registrant and subject to space availability.

MeetingandHotelInformationMEETING:

Younes Conference Center Kearney 416 Talmadge Rd/ Kearney, NE 68847

Reservations can be made by calling the Holiday Inn directly. Please indicate that

you're with the NBA room block. Kearney Holiday Inn

110 Second Avenue / Kearney, NE 68847 / Phone: 308-237-5971

Please feel free to dress casually. To ensure your comfort, please bring a light jacket

or sweater to the program.

Notice: If you have a disability that may affect your participation in this event, please forward a

statement regarding any special needs to the Nebraska Bankers Association. We will contact you to discuss accommodations.

BANK TRAINING ADVISORS

Barbara A. Barr Susan K. Koranda NebraskaLand National Bank, North Platte Security Bank, Laurel Lisa M. Felker Joseph E. Peters McCook National Bank, McCook Adams Bank & Trust, Fort Collins Megan L. Jehorek Sherla Post Adams Bank & Trust, Ogallala Cornhusker Bank, Lincoln Melissa Karloff Renee Rose Heartland Bank, Hastings Five Points Bank, Grand Island Jill Keller Tana Wagener Five Points Bank, Grand Island West Gate Bank, Lincoln

233 South 13th Street, Suite 700 Lincoln, Nebraska 68508

Phone: (402) 474-1555 Education Center Fax: (402) 474-2148

www.nebankers.org

2-02/22/19

The NBA Washington Legislative Visit and ABA Government Relations Summit are your opportunity to meet with Congress and the regulatory agencies to ensure they understand the principles that guide our industry and incorporate them into policy.

Achieving this goal requires the courage of our convictions, and an optimistic belief that what we strive for together, we can achieve.

Register Today!

Washington Marriott Marquis, Washington, D.C. April 1 – 3, 2019

NBA Washington Legislative Visit

To register, go to: https://www.aba.com/Training/Conferences/Pages/GRS_Reg.aspx 

At this program, we'll explore developments related to key issues that will impact our industry, including the implementation of Dodd-Frank and desired changes to the regulatory environment. And of course, we will meet with lawmakers on Capitol Hill to discuss our concerns about the state of the industry, our communities, and our nation.

Program Outline (Times are subject to change)

Monday, April 1, 2019 4:15-5:00pm Orientation for Capitol Hill Visits Open to all attendees 6:15-7:30pm Summit Opening Reception

Tuesday, April 2, 2019 7:00-8:30am Breakfast Buffet 7:45-8:30am Dialogue with the Regulators 8:40am-12:00pm General Session 12:00-1:00pm Lunch 1:00-5:00 pm Capitol Hill Visits pm Planned Nebraska Dinner

Wednesday, April 3, 2019 7:30-8:30 am Breakfast Buffet 8:30-11:00 am General Session 11:00 am Adjourn For More Information _____________________

If you have any questions or would like more information, please contact the NBA Education Center at (402) 474-1555 or nbaeducation@nebankers.org

Hotel Accommodations ___________________

901 Massachusetts Avenue, NW, 20001

A room block has been secured at the Washington Marriott Marquis. Special rates are $348 per night plus tax. Hotel accommodations will be made directly with the Washington Marriott Marquis. You will receive a link to book your hotel accommodations in your official registration confirmation. Registrants will be responsible for their own hotel charges. The hotel room block expires March 13, 2019. After that date, reservations will be handled on a space availability basis. Check-in time at the Washington Marriott Marquis is at 3:00 p.m. and checkout is at 12:00 p.m. If you arrive prior to 3:00 p.m., your room will be assigned upon availability.

Transportation Information ________________ We recommend you arrive in Washington by mid-afternoon on Monday. All official meetings will be held on Tuesday and Wednesday. For assistance with your airline arrangements, contact your local travel agent or please feel free to contact Peg Gullikson with Travel & Transport at (800) 714-5350 or (402) 489-2277.

Attire for the Visit ________________________ Business attire is appropriate for these events. The DC temperature in March/April averages 50 degrees during the day and 32 degrees during the evening. We suggest you have a warm coat for outside and evening events.

Disabilities _____________________________ If you have any disabilities that require special assistance, attach a brief letter explaining how we may best accommodate your needs, or contact the NBA Education Center at (402) 474-1555 or nbaeducation@nebankers.org.

Registration Information __________________

There is no fee associated with this event. (register online or use the form provided)

You must register with the ABA for this event, indicating both Event Registration and Registration Type. The deadline for registering is Wednesday, March 13, 2019. Registrations received after that date will be accepted upon space availability.

NBA Washington Legislative Visit

MMiilleessttoonnee AAwwaarrddss AApppplliiccaattiioonn

NEBRASKA BANKERS ASSOCIATION 2019 ANNUAL CONVENTION

MAY 1 – 3 / EMBASSY SUITES OMAHA, LA VISTA

(Please use the space provided on the back of this brochure for additional information.)

50 Year Bankers

AAnnnnuuaall CCoonnvveennttiioonn May 1 – 3, 2019

NBA Awards Luncheon

Thursday, May 2, 2019 12:00 p.m. Embassy Suites Omaha, La Vista

Each year at the Nebraska Bankers Association's Annual Convention, we recognize those men and women who have served the banking industry for 50 years of service. We invite you to submit eligible bankers by returning the completed application forms by Friday, March 1, 2019. If you have any questions, please contact Ron Arrigo at (402) 474-1555.

50-Year Banker Club Membership

BANKER AWARD

The Nebraska Bankers Association would like to recognize those men and women who have served the banking industry for 50 years at the Awards Program of the NBA's Annual Convention. In order for us to recognize this achievement, we ask that those individuals who have completed 50 years of service as a bank officer or employee by May 1, 2019, please submit the following information: Name: ___________________________________________________________________________________________

(as it will appear in print)

Bank Name: ______________________________________________________________________________________ Bank Title: _______________________________________________________________________________________

(present) If retired from banking, give date & last title: ________________________________________________________________________________ Date Started in Banking: ___________________________________________________________________________ E-mail: __________________________________________________________________________________________ Telephone #: _____________________________________________________________________________________ Please include a few key highlights in bullet form that may be used for the awards program. Please include the following information: Past Work History, Titles, Career Promotions, Present Duties.

(Please use the space provided on the back of this brochure.)

Please begin compiling a list of those special guests who will be present to see this honor awarded. (A nominal fee will be charged for the luncheon and program.)

Submitted by: _____________________________________________________________________________________

Title: ____________________________________________________________________________________________

Bank: ___________________________________________________________________________________________

Address: _________________________________________________________________________________________

City/State: ________________________________________________________ Zip Code: _______________________

E-mail: __________________________________________________________________________________________

Telephone #: ______________________________________________________________________________________

(Please use the space provided on the back of this brochure for additional information.)

Milestone Banks

AAnnnnuuaall CCoonnvveennttiioonn May 1 – 3, 2019

NBA Awards Luncheon

Thursday, May 2, 2019 12:00 p.m. Embassy Suites Omaha, La Vista

Each year at the Nebraska Bankers Association's Annual Convention, we recognize those institutions that are celebrating 25, 50, 100, 125, or 150 years of providing financial services. We invite you to submit eligible banks by returning the completed application forms by Friday, March 1, 2019. If you have any questions, please contact Ron Arrigo at (402) 474-1555.

25, 50, 75, 100, 125 or 150-Year Bank Club Membership

BANK ANNIVERSARY AWARD

The Nebraska Bankers Association would like to recognize those financial institutions that are celebrating 25, 50, 100, 125, or 150 years of service to their community at the Awards Program of the Annual Convention. In order for us to recognize this achievement, we ask that those banks celebrating 25, 50, 75, 100, 125 or 150 years of service by May 1, 2019, please submit the following information:

Check Years Celebrating: 25 50 75 100 125 150 Bank Name: ______________________________________________________________________________________ Date Chartered: ___________________________________________________________________________________ Bank Contact Person: _____________________________________________________________________________ Mailing Address: __________________________________________________________________________________ City/State: ______________________________________________________ Zip Code: _______________________ E-mail: __________________________________________________________________________________________ Telephone #: _____________________________________________________________________________________ Please include a few key highlights in bullet form that may be used for the awards program. Please include the following information: unique points of interest or special events that may have occurred.

(Please use the space provided on the back of this brochure.)

Please begin compiling a list of those special guests who will be present to see this honor awarded. (A nominal fee will be charged for the luncheon and program.)

Accepting the Award: _______________________________________________________________________________

Title: ____________________________________________________________________________________________

Bank: ___________________________________________________________________________________________

City/State: _______________________________________________________ Zip Code: _______________________

E-mail: __________________________________________________________________________________________

Telephone #: ______________________________________________________________________________________

(Please use the space provided on the back of this brochure for additional information.)

Please use this space to include the following information:

For the Banker Award: Past Work History, Titles, Career Promotions, Present Duties. For the Bank Award: Information & History of the Bank (as you wish it printed), and any unique points of special interest or special events that may have occurred. ________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

Please include newspaper articles as well as old and new photographs that may be of interest.

Any photographs submitted will be returned upon request.

PLEASE COMPLETE AND RETURN TO THE NBA OFFICE BY FRIDAY, MARCH 1, 2019, to:

Education Center Fax: (402) 474-2148

Mail: Ron Arrigo Nebraska Bankers Association, P.O. Box 80008, Lincoln, Nebraska 68501-0008

1-06/29/18

Banks & Bankers (March 6 – 12, 2019)

Extraordinary Service for Extraordinary Members 3-13-2019 • www.nebankers.org • NBA Update

Banks in the News First Central Bank (Cambridge) has reopened its doors after a devastating fire nearly two and a half years ago. The bank celebrated with its employees, customers, and fellow downtown businesses with a ribbon cutting and open house. (pictured below)

Waypoint Bank (Clay Center) had donated $10,000 toward the Clay Center pool construction project.

Promotions & Appointments HASTINGS: Rebekah Martin, commercial & ag loan officer, Home Federal Bank.

Share your news with the Nebraska Bankers Association! Whenever your financial institution has a newsworthy event, we want to hear from you. Email your news, press releases, newspaper clippings and/or photos to news@nebankers.org to be published in an upcoming Banks & Bankers and/or featured on social media.

Facebook: @NebraskaBankersAssociation // Twitter: @nebankers