KENTUCKY BANKER MAGAZINE Published bi-monthly by the Kentucky Bankers Association
YOUR ASSOCIATION OUR COMMONWEALTH
MAY/JUNE 2017 PRODUCTS & SERVICES ISSUE IN THIS ISSUE OF KBM
Selina Parrish, Natalie Kaelin and Angie White show off their Kentucky Derby hats at the KBA’s Day at the Downs. 2016-2017 OFFICERS Chairman Mr. Michael H. Mercer President & CEO First State Bank
Vice Chairman Mr. Timothy E. Barnes President & CEO Hometown Bank of Corbin
Treasurer Mr. David M. Bowling, CEO Citizens Union Bank of Shelbyville Past Chairman Mr. Louis Prichard President & CEO, Kentucky Bank President & CEO Mr. Ballard W. Cassady, Jr. Kentucky Bankers Association
Representing Group 5 Mr. Lloyd C. Hillard, Jr. President & CEO Farmers Capital Bank Corporation
Representing Group 6 Mr. Bill Allen President, Bank of the Bluegrass and Trust Representing Group 8 Mr. Mike Mineer President & CEO Citizens Deposit Bank & Trust
Representing Group 1 Mr. J. Brent Bugg President & CEO, Fredonia Valley Bank
Assets of $1B or more Mr. James A. Hillebrand, President Stock Yards Bank & Trust Company
Representing Group 3 Mr. John T. Taylor President & CEO, PBI Bank
KBA Benefits Trust Mr. W. Fred Brashear, II President & CEO, Hyden Citizens Bank
Representing Group 4 Mr. Dan M. Harbison President & CEO The Farmers National Bank of Scottsville
Natural bridges are all over the place in Slade Kentucky. They are also here at the KBA where we join you with the best products and service out there.
Representing Thrifts Mr. Ryan Curtis Steger Regional President, Town Square Bank
Group Representatives
Representing Group 2 Ms. Lanie W. Gardner Community President First Southern National Bank
ON THE COVER
Representing Group 9 Mr. Jed Weinberg Chairman, Bank of Hindman
Representing Thrifts Ms. Kari R. Gough President & CEO, Winchester Federal Bank
BOARD OF DIRECTORS
Chairman’s Corner.............. 5 Staff Directory..................... 6 Straight Talk........................ 7 My Two Cents..................... 9 Education Alliance.............. 13 Cybersecurity...................... 15 Banker Appreciation Golf... 16 Operation Gratitude........... 19 Maurie McGarvey............... 24 Education Calendar............. 26 Internet of Things.............. 28 MACH1 App........................ 29 BANK SHOTS....................... 30
Representing Bank Size
Assets at least $200M; less than $1B Mr. Dale Sights President, Field & Main Bank
Kentucky Banker Magazine (KBM) is the official bi-monthly periodical of the Kentucky Bankers Association (KBA). No part of KBM may be reproduced without written permission from the KBA. The KBA is not responsible for opinions expressed by outside contributors published in KBM. The KBA reserves the right to publish submissions at the discretion of the KBM editorial team. Subscriptions: $30/year for KBA members; $60/year for KBA non-members; single copies $5 each. SUBMIT
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CHAIRMAN’S CORNER Mike Mercer | Chairman Kentucky Bankers Association
Dodd-Frank: A Magical Mystery Tour I am the Walrus...
I am he as you are he as you are me And we are all together…
recent past, Democrats and Republicans alike pledge their allegiance to community banks.
So, is there hope, yes there is.
If, or when, the Choice Act fails to pass in the Senate, BalI am the Walrus was written by John Lennon when the lard is working, with the help of Senator McConnell, and Beatles were still together in 1967. It was in response to a others, to immediately send a bill which will separate the high school class letter which told John they had been an- Wall Street banks from the community banks (the big eggs alyzing Beatles song lyrics in class. So, John wrote the non- from the small eggs, Tim Barnes). This will give those Sensensical song to confuse those attempting to find meaning ators who say they support relief for the community banks a chance to put their words into action. in his words. It has been said that he was under the influence of LSD at The time and place to see ACTUAL regulatory relief for the time. It was simply John scribbling on scrap paper, nev- community banks in the United States may be here and now. Keep the faith, it’s time to rally around The Walrus. er attempting to make sense or have meaning. Fifty years since Lennon wrote the song it seemingly has an unlikely kinship to Dodd-Frank. Both were written by authors apparently on some Magical Mystery Tour and both have nonsensical language to drive future interpreters to insanity with no meaning for society, whatsoever.
Yet both live on today. As we returned from our KBA Washington trip this past May, we all were pleased to hear that the Choice Act, which is in many aspects a repeal of Dodd-Frank, passed the House. This is a great step toward relief for the banking industry, especially community banks.
I am the egg man They are the egg men I am the walrus Goo goo g’joob Happy 50th Anniversary Walrus! Author’s Note: In keeping with the song, this article has little value or meaning. Please don’t try to analyze.
As we celebrate the action of the House, keep the champagne corked however - it requires a super majority vote to pass in the Senate. This means 60 votes in favor requiring 8 Democrats to crossover, so to speak. Even the most optimistic don’t see this happening.
See how they run like pigs from a gun; See how they fly. I’m crying… Yet, crying isn’t the end of the song. During many of the trips to Washington, and conversations with Representatives which Ballard, John and many of you have had in the MAY/JUN 2017
KENTUCKY BANKER | PAGE 5
KENTUCKY BANKERS ASSOCIATION STAFF 22 EMPLOYEES WITH 300+ YEARS OF COMBINED EXPERIENCE SERVING THE COMMONWEALTH
Ballard W. Cassady Jr. President & CEO bcassady@kybanks.com
Michelle Madison IT Manager mmadison@kybanks.com
Debra K. Stamper EVP & General Counsel dstamper@kybanks.com
Tammy Nichols Convention Coordinator Finance Officer, HOPE of KY tnichols@kybanks.com
Matthew E. Vance Chief Financial Officer mvance@kybanks.com Selina O. Parrish Director of Membership sparrish@kybanks.com Natalie Kaelin Director of Education nkaelin@kybanks.com Josh L. Fischer Director of Communications jfischer@kybanks.com Billie Wade Executive Director, HOPE of KY bwade@kybanks.com Miriam Cole Executive Assistant mcole@kybanks.com John P. Cooper Legislative Solutions jcooper@kybanks.com Paula Cross Education Services Coordinator pcross@kybanks.com Jamie Hampton Education Services Coordinator jhampton@kybanks.com Casey Guernsey Enrollment and Billing Specialist cguernsey@kybanks.com
Katie Rajchel Staff Accountant krajchel@kybanks.com Angie White Sponsorship Relations awhite@kybanks.com Steve Whitlow Systems Engineer swhitlow@kybanks.com Chuck Maggard President & CEO, KenBanc cmaggard@kybanks.com Lisa Mattingly Director of Sales & Service KBA Benefits Solutions lmattingly@kybanks.com Brandon Maggard Account Representative KenBanc Insurance Services bmaggard@kybanks.com Donna McCartin Benefit Support Specialist dmccartin@kybanks.com Audrey Whitaker Insurance Services Coordinator awhitaker@kybanks.com Kentucky Bankers Association 600 West Main Street, Suite 400 Louisville, Kentucky 40202 www.kybanks.com
STRAIGHT TALK Ballard W. Cassady, Jr. | President & CEO bcassady@kybanks.com
Good Things Are Happening, and They Are Happening Now Well, as we have been predicting the CHOICE Act passed the House 233 to 186. The only surprising thing (tongue in cheek here) is that Congressman John Yarmuth voted against it. This happened only two weeks after he made a large group of visiting Kentucky community bankers sit quietly while he spun a partisan and disturbingly unbalanced diatribe against our President and Congress. I was proud of our bankers during this uncomfortable lecture. They each sat professionally and quietly letting him speak his piece, when I am sure that they wanted to jump up to tell him how crazy he sounds every time he opens his mouth. Why would I be proud of this passive behavior? Because we were there to talk about the CHOICE Act and ask for his support. We had discussed the meeting before we arrived and our desire to help him understand the impact of overregulation on both community banks and communities.
been making some real progress here--with the announcement of the big Amazon expansion into Northern KY, the $1.2 Billion development of Braidy Industries in Greenup County, several smaller suppliers springing up to service Toyota’s expansion and others. So far into 2017 we have a total of over $5.7 Billion in new facilities and expansion projects that will bring 9,500 new jobs with it (Louisville Business First). This breaks ALL previous records and the Governor is only 18 months into the job.
I feel very optimistic about banking for the first time in years.
Way to go team KY! And, the same is true on the U.S. front! We have had a growth of 4+% in household income in the first six months of 2017. That’s more than at any time in the last eight years! The stock market is very high as confidence rides a big wave. Over-regulation is under attack from all fronts and everyone is predicting tax relief before the end of the year. Go USA!
Last but not least, we had record crowds going with the When he was asked to support the CHOICE Act and regu- KBA on our Washington visit and at our recent Chairman’s latory relief on community banks he said, “I support com- sporting clay PAC shoot. The enthusiasm around banking events continues to grow and we are grateful for all who munity banks, I’m for you all.” participate. I feel very optimistic about banking for the first Now I knew, as did several of the veteran D.C. trippers that time in years. it didn’t make any difference what Yarmuth said, he was going to vote against community bankers EVERY chance I do believe we will start seeing relief from the over burhe gets. He didn’t disappoint, as he was the only Kentucky densome regulation of our industry and that the GovernCongressman to vote against Kentucky community bank- ment, no matter what Congressman Yarmuth believes, will ers. Fortunately for us, his vote is insignificant in Washing- let us get back to building our communities. ton at the moment. I guess the moral of the story is: don’t be one of the lemBut, let’s look beyond that to our great Commonwealth. mings who are following the resistance regardless of the What about Kentucky! I know there is a lot going on in the cost. Good things are happening and they are happening resistance department as has become the norm no matter right now! which party is in power but, get past that junk and we have MAY/JUN 2017
KENTUCKY BANKER | PAGE 7
CALL TO ACTION
Authority to Conduct Business Transactions Electronically/Remotely One of the things discussed during Group Meetings this year was our industry’s need to be able to transact business the most efficient and effective manner for our customers, the secondary market and our limited resources. Among other changes we need is the authority to With all of these conduct certain business electronicaldangers present, transactions ly/remotely.
it is imperative that we find a way to allow electronic filing and notarization of certain documents.
Much like the need we recognized for UCC filings many years ago, we are now well past the time when we should have adopted similar tools for mortgages and other filings.
Although we have realized for some time that Kentucky lags behind many states in its ability to conduct remote filings, the danger inherent in our current situation did not come to light until we were notified by title insurance companies that title insurance would no longer be available on properties located in Elliott County because of filing irregularities.
number of inherent risks. Paper documents can get lost or out of order, rendering your filing subordinate to one that was actually delivered to the clerk’s office later. Further, the clerk’s staff may get busy or distracted and fail to file your document within a reasonable period of time. Surprisingly, the statutes do not specify exactly when a clerk is required to record a mortgage. With all of these dangers present, it is imperative that we find a way to allow electronic filing and notarization of certain documents. We are trying to determine which county clerks will be actively opposed to these changes. We also need to know what their specific concerns are to moving towards electronic filings. Please discuss these issues with county clerks with whom you regularly do business. Ask them if they have a strong opinion about electronic filings if it is revenue neutral to their office. If they indicate that they would be opposed, ask them why, so that we can look for compromises that will mitigate their concerns. Return to the KBA notes from your discussions.
Although we have been assured that the systems in that office will be audited and corrected, this dras- We would like to have a fairly complete undertic position taken by the insurers made it clear that standing of where ALL 120 county clerks are podepending upon the act of physical filing of our documents by a person in the clerk’s office has a sitioning themselves before August 1, 2017
MY TWO CENTS
2017 PRODUCTS & SERVICES ISSUE
Debra Stamper | General Counsel & EVP
dstamper@kybanks.com t @KBADebra
I Get By With A Little Help From My Friends... or, do I In today’s world some involvement of third-party vendors is almost certainly necessary for any bank of any size and complexity to achieve both compliance and success.
Of course, the number and type of vendors you need will depend upon a variety of facts and circumstance—the typical legal answer “it depends.” Obviously, a $200M bank that provides traditional products can’t afford, and doesn’t need, the same level of vendor support as a $50B bank. But, how do you know where to start? Here are some things to think about when you considser third-party vendors:
1. MISSION AND STRATEGIC PLAN The first thing that you MUST know is the mission and strategic plan for the bank. The worse thing that you can do when selecting vendors is to find a solution for today, without considering or knowing if it will be adequate tomorrow. And, it isn’t just about whether the vendor can “get the job done.” It is about whether the vendor understands your strategic plan and mission, whether they can progress with you in your envisioned plan. You have to know that they understand customer relationships the same way your bank does. And, you have to make sure that they understand exactly how great or, often more importantly, how basic your needs are. The last thing you want is a vendor that brushes aside the basics because they want to pitch the next new development. (If you don’t know that you and your management team can readily express your mission and strategy, perhaps you should hire a third-party vendor to help you with that.)
2. UNDERSTAND EXACTLY WHAT YOUR BANK NEEDS The next thing you ensure is that you understand exactly what your bank needs. That sounds too basic to really be stated, but you would be surprised at how often this step is skipped. You should set up a team of key personnel, which continued on the next page MAY/JUN 2017
really need third-party vendors for compliance?
The short answer is
YES! Vendor needs are unique to every bank. Just make sure that your bank finds the sweet spot of services.
KENTUCKY BANKER | PAGE 9
MY TWO CENTS Debra Stamper | General Counsel & EVP
dstamper@kybanks.com t @KBADebra
2017 PRODUCTS & SERVICES ISSUE
continued from the previous page
may include operational representatives from various departments, compliance and/or legal, marketing and management.
5. FINAL DETERMINATION
The third thing you should do is evaluate the available vendor solutions. You can ask for recommendations from the KBA and from banks similar in size and complexity. Remember that the KBA carefully vets our endorsed vendors to determine the solutions that we believe are most likely to fit with the needs of our banks. But you can look at the information we have gathered and compare it to your own analysis.
6. NEGOTIATE THE CONTRACT
After evaluation of the vendors, input from all bank employee participants should be collected and considered for Do not make the decision of whether vendor support is a final determination. If the choice is clear, head on to the necessary at the executive level of your bank, without in- next step. If employees differ on their impressions of the put from operations. You may think that you understand presenting vendors and their strengths and fit to the bank, the needs and capabilities of your staff, but a miscue could more preliminary work may be necessary to dig down into be more damaging both to operations, morale and cus- those differences of opinion. Do not ignore the possibility tomer experience than you know. of internal issues influencing opinions (morale, personalities, etc.) If these problems exist, they should be addressed 3. EVALUATE THE AVAILABLE VENDOR SOLUTIONS immediately to ensure that changes are a success.
Once you have determined your bank’s vendor of choice, it is time to negotiate the contract. While vendor contracts are often presented as carved in stone, do not let that hold you back from negotiating terms that you believe are essential to a successful relationship between your bank and the vendor. Reviewing and negotiating any contract can involve a lot of nuances and, if possible, an attorney should be involved.
The important thing to remember is that the more complicated the problem, the more important it is to consider various options for a solution. Once you have determined the players in the marketplace for the solution you are Things you need to look for are: seeking, prepare a detailed scope of services you need. j costs (including add-ons for future modifications, This will be used to create your RFP or quote. The more training or new components); detailed your request is, the more likely you will find the j implementation expectations (timelines, downright vendor. The responses to your request should be times, customer notifications, conversions); used by your team to shorten the list of possible vendors. j training needs both before and after the implemen4. INTERVIEW AND ON-SITE DEMONSTRATION tation (including follow up calls or refreshers and the cost of such assistance); system needs; The next step is the interview and/or on-site demonstraj upgrades and patches (timing, notification and tion. Make sure that your team and actual users of the cost); warranties; proposed solution are on hand to see the proposal, ask j liability of the vendor if the product causes harm or questions and (if possible) have some hands-on time with damages. the solution presented. Again, one of the most important parts of this step is to ensure that everyone, including the vendor, knows where your bank is planning to go. Ques- Vendor needs are unique to every bank. Just make sure tions should be asked not just about processes today, but that your bank finds the sweet spot of services—not too expected processes of tomorrow and you want to make many, nor too few; and as always, if you have any quessure all of this is in line with your banks mission and phi- tions give us a call or send us an email. losophy of customer service and success. PAGE 10 | KENTUCKY BANKER
MAY/JUN 2017
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4/24/17 11:32 AM
HOPE OF KENTUCKY
Louisville CRA Network of Bankers Discuss Community Reinvestment Efforts findCRA facilitates gathering of bankers serving Greater Louisville and Southern Indiana
BANK SHOTS! BANK SHOTS! highlight you, the members of the KBA, and the banks you work for. Formerly Bankers on the Move and Bank Happenings, BANK SHOTS! is where we publish your successes and acknowledge your milestones. Email your BANK SHOTS! jfischer@kybanks.com
On Thursday, June 1st, local bankers supporting community reinvestment efforts in the Greater Louisville area came together to exchange ideas regarding affordable housing, economic development, and services for communities of need in Kentuckiana and beyond. The Louisville CRA Network provides bankers a unique opportunity to discuss matters regarding the federal Community Reinvestment Act, which encourages financial institutions to help meet the needs of all communities where they operate. Over a dozen bankers from local banks attended the event and shared best practices, new ideas, and other guidance they use to meet their bank’s CRA goals. “We want to provide bankers the opportunity to openly discuss their successes and ideas for making measurable impacts throughout the area. We know that there is more need in our community than any one bank can support, so by coming together, bankers can identify opportunities and discuss solutions for building a stronger community,” said Brian Waters, President & Co-Founder of findCRA. The Louisville CRA Network was established in early 2016 by findCRA and representatives from MetroBank and First Capital Bank of Kentucky to provide a forum for bankers to network. Each meeting features open discussion, market updates, and guest speakers. The Kentucky Bankers Association hosted this meeting at their headquarters in downtown Louisville, with plans to host additional meetings of the group as well. “The Kentucky Bankers Association was pleased to host this and future meetings of the Louisville CRA Network. We are committed to bringing our bankers together with their peers to share their experiences and collaborate on ways to support the communities in our state,” said Selina Parrish, Director of Membership & Vendor Solutions for the Kentucky Bankers Association. The Louisville CRA Network is open to any banker supporting the Greater Louisville area. The next meeting will be held in September. To find out more, follow the group on LinkedIn or contact findCRA to receive meeting updates. Learn more at www.findCRA.com PAGE 12 | KENTUCKY BANKER
SHIRIE HAWKINS Community Trust Bank announced that Shirie Hawkins has joined Community Trust Bank as a Commercial Loan Officer and Assistant Vice President. Ms. Hawkins’ responsibilities include working with local businesses in Central Kentucky to find solutions to their lending needs, developing new commercial relationships with Community Trust, and expanding the relationship with current customers. Ms. Hawkins previously worked at the Kentucky Small Business Development Center and Community Ventures. She is a Board Member of Bluegrass Chapter of the American Red Cross. She graduated from the University of Cincinnati where she earned a Bachelor’s degree in Business Administration, Marketing.
BANK SHOTS! #kbabankshots
EDUCATION ALLIANCE EDUCATION CALENDAR PAGE 26/27
Natalie L. Kaelin, Esq. | Director of Education nkaelin@kybanks.com
2017 KBA GENERAL BANKING SCHOOL
RUSTY SMITH AMY TURNER
FNB Bank announced Rusty Smith was recently promoted to BSA Officer. Smith previously served as a Risk Analyst for FNB Bank and will continue in this role alongside his new position.
JEFF BELL FNB Bank welcomed Jeff Bell as a Credit Analyst to the Mayfield Office. He brings with him an extensive, decade-long, background in banking.
DENINA ROBERTSON FNB Bank announced Denina Robertson joined the bank as Office Manager at the Mayfield Main Branch location. Denina brings with her more than 34 years of banking experience.
ELYCE RAY FNB Bank announced Elyce Ray was promoted to Office Manager at the Wingo branch location. Elyce previously served as a Customer Service Representative for FNB Bank. BANK SHOTS! FACEBOOK @kybankers
KENTUCKY BANKER | PAGE 13
EDUCATION ALLIANCE
The Certified Banking Cybersecurity Manager Certification Course The Certified Banking Cybersecurity Manager certification course will focus specifically on each element of the FFIEC Cybersecurity Assessment Tool, issued June 30th, 2015 and updated May 21, 2017.
This course will build a solid foundation of understanding for the FFIEC guidance, cyber risk management practices, improving your information security program for cyber threats, and clear auditing expectations to address this new guidance. In addition to thoroughly exploring each element of the FFIEC guidance we will complete detailed lab exercises that demonstrate how each process works. Students should be able to complete their actual assessment for their institution as part of the course.
TO REGISTER FOR THIS COURSE VISIT https://kentucky.sbscyber.com/store
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KENTUCKY BANKERS ASSOCIATION
Second Annual Banker Appreciation Golf Outing Begins in Bowling Green The first of two opportunities to play Valhalla Golf Club in the KenBanc Cup was played on May 17 at Indian Hills CC (Bowling Green). KBA Insurance Solutions congratulates Jared Topmiller (First Southern National Bank), Dustin Frazier (First Community Bank of the Heartland), Tom McFarland (First United Bank & Trust Company) and Billy Luttrell
(Commonwealth Community Bank) as the winning team. “First of all, we want to thank all of our sponsors, especially Platinum Sponsor Banc Consulting Partners. All the event sponsors allowed us to put these outings on for the second straight year,” said Chuck Maggard, president and CEO of KenBanc Insurance.
At right: Jared Topmiller (First Southern National Bank) Dustin Frazier (First Community Bank of the Heartland)
I HAVE NO CHOICE OR FLEXIBILITY! I’M SICK OF IT!
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I DID HEAR THEIR NOT-FOR-PROFIT CULTURE SETS THEM APART FROM OTHER PROVIDERS!
SHAZAM’s focused on strengthening community financial institutions by offering choice and flexibility for all your needs including core services and more. Call us today to learn more about SHAZAM.
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KENTUCKY BANKERS ASSOCIATION
Eight Complete First Southern National Bank Emerging Leaders Program Eight First Southern National Bank Team Members recently successfully completed the bank’s Emerging Leaders Program. “First Southern’s future is in good hands,” said Carla Carr, Vice President, Marketing and Retail Delivery for First Southern. “We’ve spent the last twelve months learning, studying and challenging one another while developing lasting relationships. What a privilege it has been to encourage and invest in such a fine group of leaders.” First Southern National Bank’s Emerging Leaders Program is a twelve-month leadership program developed by the bank to grow and invest in team members who show exemplary leadership qualities. Participants are individually selected by members of the bank’s leadership team based on ability, potential and existing leadership qualities. Through the year, Emerging Leaders are challenged to complete many tasks including team building activities, individual and group community projects, personal and professional goal setting all while studying leadership philosophies of various leaders inside and outside of the company. The program is led by Carla Carr, Vice President, Marketing and Retail Delivery of First Southern National Bank, with assistance from Major General Jerry D. Humble, Retired General, United States Marine Corps. It is designed to build leadership qualities and skills, along with encouraging leaders to develop stronger relationships.
The 2017 First Southern National Bank Emerging Leaders class joins a growing number of First Southern Team Members who have benefited from this program. The eight 2017 graduates include: Sarah Adams, Senior Loan Analyst Fayette County – Lexington Branch Keisha Brigance, Loan and Business Development Muhlenburg County – Greenville Branch Bryan Fuller, Loan and Business Development Logan County – Russellville Bethel Branch Alysia Glover, CSR/Branch Manager Pulaski County – Somerset Branch Rebecca Reeves, Loan and Business Development Warren County – Bowling Green Branch Jared Topmiller, Loan and Business Development Muhlenburg County – Central City Branch Jason Tucker, Loan and Business Development Wayne County – Monticello Downtown Branch Patrick Workman, Loan and Business Development Fayette County – Lexington Branch
One Unified Platform for Your Workforce
Because community banks often operate with multiple locations, the APS solution is key in helping them globally manage their employees.
The Kentucky Bankers Association proudly announces Advanced Payroll Systems (APS) as our endorsed provider of Human Capital Management solutions for community and regional banks.
objectives. This combination of an Enterprise HCM solution, with best in class service, delivered to our financial institutions in a cost effective manner was key in our endorsement of APS.
Because community banks often operate with multiple locations, the APS solution is key in helping them globally manage their employees, while easing the worries around tax compliance. Their cloud based solution not only offers the capability to view key employee productivity metrics in one platform, it also offers an integrated tax engine to easily manage multiple tax jurisdictions without the need for APS offers a unique combination of enterprise technology, manual research. The Kentucky Bankers Association is conwith local client support being headquartered in Louisville, fident that APS will enable our member banks to manage KY. The KBA recommends APS as a vendor of choice for all their workforce more effectively while allowing them to of your workforce management needs. APS offers an HCM focus on banking rather than tax and compliance worries. solution that integrates HR, time and attendance, payroll, and more to create a single employee record that’s updat- For more information about APS and how you can obtain ed in real time — allowing your people to make more in- a free consultation and product review contact Selina Parrish at the KBA: formed business decisions in the moment. Client Service excellence is a key company objective with (502) 736-1282 APS. They operate with a partnership philosophy in order sparrish@kybanks.com to not only service their client’s needs, but help them strategize and adopt best practices to meet their own company We know how important payroll and workforce management solutions are to the modern financial institution, and we recognize APS as Kentucky bankers’ best choice to provide financial institutions with a world class technology solution to assist in managing the full employee lifecycle, from pre-hire to retire.
BANK SHOTS! #kbabankshots
BOB BURGESS Community Trust Bank announced Bob Burgess as Commercial Loan Officer and Vice President. Mr. Burgess has worked in the banking industry for more than 11 years.
KENTUCKY BANKERS ASSOCIATION
First Security Bank Collects Items for Operation Gratitude
During the month of May First Security Bank held their annual collection drive in honor of Memorial Day. Wish list items were collected for care packages to send to deployed troops, new recruits, veterans, wounded warriors and their care givers through Operation Gratitude (www. operationgratitude.com). “It has been tremendous to see the outpouring of care and gratitude to all our service men and women by our customers, communities and amazing employees,” said Amy Jackson, Executive Vice President – Chief Operating Officer. “This is our second year of collecting for Operation Gratitude, and we more than doubled our collections.” Items collected range from handwritten notes from local elementary students as well as employees, to game cards, toothpaste and socks.
JODY ONEY Community Trust Bank announced Jody E. Oney has been promoted as Mt. Sterling Market President. Ms. Oney has worked at the bank for 15 years.
LISA KELLY Central Bank announced Lisa Kelly has joined Central Bank as AVP, Retail Banking Officer. Mrs. Kelly joins Central Bank with twenty years of experience in the banking industry.
STEVE GILLESPIE Central Bank announced Steven Gillespie joined Central Bank as VP, Retail Banking Officer for the Fort Mitchell location. Mr. Gillespie brings 32 years of banking experience to his new role. BANK SHOTS! FACEBOOK @kybankers
KENTUCKY BANKER | PAGE 19
KENTUCKY BANKERS ASSOCIATION
Forbes Recognizes Community Trust Bancorp as One of America’s 50 Most Trustworthy Financial Companies
Community Trust Bancorp, Inc. has been recognized by Forbes magazine for the fourth time as one of “America's 50 Most Trustworthy Financial Companies.” Community Trust received a score of 99 out of a possible 100 points. The Forbes list, released on April 28, 2017, includes publicly-traded North American banks and insurance companies. According to Forbes: In looking for trustworthiness, MSCI ESG Research calculated the companies’ AGR ratings, the composite scores by which organizations are judged. Factors considered include high risk behaviors like regulatory actions, amended filings, revenue and expense recognition methods, and bankruptcy risk. Forbes: “Community Trust Bancorp, founded in Kentucky, is also a noteworthy appearance on the list. It has graced our roster of trustworthiness over the past three years and in this latest quarter earned an almost perfect AGR score of 99 points. In fact, Community Bancorp has earned an average of 99 points for the past four financial quarters.” “We are pleased and humbled that Community Trust has been recognized once again in this Forbes survey,” said Ms. Hale. “Stewardship of our Company’s shareholder assets is a fundamental responsibility which we strive to discharge through stringent corporate governance and accounting processes. Community Trust strongly believes in serving its constituents, its shareholders, its customers, its employees and its communities with the core values of fairness, respect and integrity. Our history of investment returns continues to demonstrate the viability of our stock as a long-term core value investment.”
RESOLUTION WHEREAS, John Ligouri Newcomb, Sr. passed from this life on March 15, 2017, and WHEREAS, John Ligouri Newcomb, Sr. ably served on the Board of Directors of the Wilson & Muir Bank & Trust Co. from January 16, 1962 through February 9, 2005, and WHEREAS, through the conscientious dedication of John Ligouri Newcomb, Sr. to the growth, stability and success of the Bank, his sound business judgment, his loyalty and significant contribution of leadership, and WHEREAS, John Ligouri Newcomb, Sr. was a dedicated public servant and civic leader whose wisdom and guidance contributed significantly to the growth and prosperity of Bardstown and Nelson County. NOW, THEREFORE, by the Directorate of the Wilson & Muir Bank & Trust Co., BE IT RESOLVED, that it hereby expresses its recognition of, and its appreciation for the faithful service and significant contributions which John Ligouri Newcomb, Sr. made to the success of Wilson & Muir Bank & Trust Co. and to the residents of Nelson County, Kentucky and that it extends its sincere sympathy and condolences to his family. FURTHER, BE IT RESOLVED that copies of this resolution, appearing permanently in the official minute book of the Bank, be provided to the family of John Ligouri Newcomb, Sr., the Kentucky Bankers Association, and to the news media.
Adopted this 5th day of April 2017.
R.E. Sutherland Chairman
Frank B. Wilson President & Secretary
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KENTUCKY BANKERS ASSOCIATION
Paducah Bank’s Maurie McGarvey Selected for Elite Google Program Maurie McGarvey, Senior Vice President and Director of Talent and Culture at Paducah Bank, is one of only 51 professionals from 14 countries and the only Kentuckian accepted into Google’s 2017 Search Inside Yourself Leadership Institute’s (SIYLI) Engage Program. She will travel to San Francisco on Monday for the first of several sessions over the next six months.
The program was originally created at Google and is one of their most popular training programs. It was developed by Chade Meng-Tan, a Google engineer and author of the New York Times bestselling book, Search Inside Yourself, together with a Stanford University neuroscientist and a Zen teacher. This globally recognized program is a highly interactive course that blends evidence-based mindfulness and neuroscience with a focus on emotional intelligence to awaken the best in people and organizations. McGarvey says Paducah Bank always looks for creative
and forward-thinking ideas and tools to create an award-winning culture that benefits both its teammates and customers. She cites the Bank’s original commitment to Jim Collins’ book, Good to Great, and the Ritz Carlton Learning Center as culture-building programs that remain an integral part of the Bank’s culture.
“At the Search Inside Yourself advanced mindful leadership program, I’ll develop the knowledge, tools, and leadership capacities to bring the benefits of mindfulness based emotional intelligence (MBEI) to our workplace,” said McGarvey. “Additionally, this program offers an experience of deep personal development, assists with positively shifting team dynamics, and will help our organization to thrive.”
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KENTUCKY BANKERS ASSOCIATION
CFSB Makes Food Donation to Mayfield-Graves County Animal Shelter
Pictured (L-R) Community Financial Services Bank (CFSB) Team Members pictured with representatives of the Mayfield-Graves County Animal Shelter: Front Row: Gene Gilliland, CFSB; Leah York, CFSB; Dr. Chad Badger, Mayfield Vet Clinic; Beverly Smith; Andrew Ellison, CFSB; Amy Hughes; Shari Clapp, CFSB; Pam Brann; Trisha Cole, animal care specialist; Billy Brann; Ruth Carneal; Jesse Clark, CFSB; Nick Summers; Martha Thomas, president; Michelle Jameson, CFSB; Caitlin Matheny, CFSB. Back row: Kim Cotham, CFSB; Jared Vincent, CFSB; Grant Orr, CFSB; Tobey French-Holt, CFSB; Doug Carneal; Kara Freeman, CFSB.
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Security, Banking & the Internet of Things What is the Internet of Things?
As the Internet has become widely available and the cost of connecting to the Internet has decreased more and more devices are being created with Wi-Fi capabilities and sensors. From cars to coffee makers, all kinds of devices are connected to the Internet. This growing network of people and devices is collectively referred to as the Internet of Things (IoT). The growth of the IoT network is being driven by consumers looking for convenience and no industry is being spared. The convenience of connectivity can’t be denied but we have to wonder what security implications exist when consumers are ordering groceries through an app on a Wi-Fi enabled smart refrigerator. Voice assistants in cars and on in-home devices are becoming commonplace and often these devices allow the consumer to make purchases via voice payments. With so many devices now allowing for purchases at the touch of a screen or using only voice confirmation, it comes as no surprise that IoT devices are becoming a major player in banking institutions.
Security Concerns Online banking, mobile banking applications, and contactless payment systems have become a necessity for banks as a result of their customers’ need for interconnectivity and seamless integration of finances. Due to this now constant availability of banking accounts, many security concerns have emerged for both customers and bank leaders. Some of the major security concerns include: • Potential identity theft and loss of assets due to hacking or a data breach • Data and information not being secured properly in processing payments from IoT Point of Sales systems to banks • Mobile banking applications not being as secure across devices as online or in-person interactions
Banking Opportunities While IoT devices pose an unavoidable security risk for banks, these devices also allow for both business opportunities and customer outreach opportunities. Through IoTs, banks are experimenting with: • Improving the overall customer experience • Strengthening customer engagement • Using data generated from IoT devices to create cross-sell opportunities • Reducing operating costs
• Increasing revenues • Monitoring and collecting data about financial transactions to personalize the customer experience and connect borrowers with appropriate lenders
Banks have an opportunity to create an IoT strategy and gain substantially by staying ahead of the curve of their competitors and maximizing customer satisfaction. Financial transactions taking place over an increasing number of Wi-Fi enabled devices may create opportunities, but it also creates more points of entry for malicious threats.
Security Steps and Solutions As sensitive financial data becomes more convenient for the customer to access across multiple devices, banks need to ensure that all of the connected banking is safe and secure in order to maintain customer trust. With the use of mobile banking on a steady rise, the rise of malware threats that are specifically targeting the mobile channel (i.e. smartphones, IoT devices, etc.) has followed. This rise in security threats has made partnerships between banks and IT service and security providers absolutely crucial. IT service providers use tools such as encryption to protect financial data and a variety of authentication tools to authorize access to data. New techniques are emerging using biometric data such as fingerprints and voice recognition to take authentication one step further.
The Future is Now In 2016 financial services companies began using voice technology to start allowing customers to access and manage their bank accounts through popular IoT devices using only their voice. Large retail and hotel chains are also debuting their own uses for IoT devices. Hotel rooms are now being equipped with IoT devices enabling guests to control room features and make purchases with voice commands. As customers become more accustomed to making financial transactions through IoT devices they will expect banks to offer the same conveniences. In order to stay competitive banks will be forced to fully embrace the Internet of Things while also maintaining user confidence with the appropriate security measures. Article brought to you by:
Box Lake Networks www.boxlake.com Sara Doyle sdoyle@boxlake.com
KENTUCKY BANKERS ASSOCIATION
MACH1 Targets Solopreneurs & Side-giggers MACH1 is the only mobile solution that specifically targets the 35 million Americans who are self-employed as “solopreneurs” or as part-time “side-giggers,” most of whom provide services such as lawn maintenance, home cleaning, car detailing, dog walking, personal training, music lessons and more. The solution enables these micro-business owners to successfully address the two biggest challenges they face: getting paid on time and getting more business.
ute special offers that recipients can readily share through social media to generate free referrals.
The highly intuitive web-based and mobile interfaces enable users to quickly create and send professional-looking bills that their customers can open using SMS text message or email before paying via ACH with just a click.
For more information contact Selina Parrish at the KBA: 502-736-1282 or sparrish@kybanks.com
Offered as a standalone platform, this cloud-based solution can be readily deployed by banks. MACH1 is a 2017 recipient of EPCOR’s prestigious David P. DeMarea Payments Innovation Award. Profit Engine, LLC, the company behind MACH1 is one of only five companies selected by NACHA as a Preferred Provider.
Simpler and more convenient than the leading accounting software and more affordable than dongle-based credit card services, this highly innovative app includes the ability to add before-and-after photos or personalized videos to bills, send payment reminders and receipts, as well as create and distrib-
Left to right: Scott Rickman, Jacob Michul, Branden Gross and Ben Crittenden
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BANK SHOTS!
@kybankers FACEBOOK/TWITTER #kbabankshots
CHAD RUDZIK
STEFANIE ROCK
JEFFREY D. JACKSON
TRACY L. WARINER
Central Bank announced Chad Rudzik has joined Central Bank as Vice President, Trust Officer. Mr. Rudzik joins Central Bank with nearly fifteen years of experience in the banking industry.
Stefanie Rock has moved from VP of Operations to VP of Electronic Banking. Stefanie began her career with Magnolia in 2003. She received her Bachelor of Science in Business Administration from the U of L.
First Security Bank announced that Jeffrey D. Jackson has been named as the Executive VP – Chief Commercial Banking Officer. Jackson most recently served as the Senior VP – Regional Trust Manager for Old National Trust.
Bank of Jamestown announced Tracy L. Wariner to Mortgage Loan Originator. She had been an Executive Officer Assistant the past 5 ½ years and recently graduated from KBA’s General Banking School in 2016.
SETH DARNELL
JOE MEYER
BETTY FREDERICK
MICHELE BRANHAM
The Murray Bank announced that Seth Darnell has been promoted to the position of Assistant Vice-President. Darnell joined the bank as a part-time teller in 2011.
Field & Main Bank announced Joe Meyer, partner at BKD, a national CPA and business advisory firm, will join Field & Main Bank to serve as president of the bank.
Community Trust Bank announced Betty Frederick has been promoted to Market VP of the Campbellsville Market. Ms. Frederick has worked for the bank for over 12 years.
Community Trust Bank announced Michele Branham as Assistant VP. Branham is an Accountant in the Finance Department and works at the Main Office in Pikeville.
DEE KIGER BROWN
JESSICA KENDRICK
JAMES WATSON
SAM MAHAN
Dee Kiger Brown has accepted the position of Chief Financial Officer. Dee began her banking career in 2014 with First Citizens Bank and brings fourteen years of financial and accounting experience to Magnolia.
Community Trust Bank announced Jessica Kendrick as Residential Loan Officer and Market Assistant Vice President.
United Bank announced James L. Watson as the Bank’s Heartland Region commercial lending staff in Elizabethtown. He most recently served as VP & Market Manager of First United Bank in Beaver Dam.
FNB Bank’s Vice President and Commercial Lender, Sam Mahan is among the 164 bankers that received their graduating diplomas on June 2, 2017 from the Graduate School of Banking at Louisiana State University. This three year program provides courses covering all aspects of banking, economics and related subjects. Students traveled from eighteen states and Mexico to participate in the Session.
DEENA LONDON
GARY LOUCKS
DAVID GREENWELL
Deena London has moved from Chief Financial Officer to Chief Operations Officer. London joined the bank in 1993. She is a recent graduate of the Graduate School of Banking and is currently attending WKU.
Central Bank announced Gary Loucks has joined Central Bank as Commercial Mortgage Lending Officer. Mr. Loucks brings 35 years of commercial banking experience to his new role at Central Bank.
Town & Country Bank and Trust Co. announced David Greenwell as Executive VP and Chief Credit Officer. Greenwell joined the bank as a Lender in 2011 and has served in various roles.
BANK SHOTS! highlight you, the members of the KBA, and the banks you work for. Formerly Bankers on the Move and Bank Happenings, BANK SHOTS! is where we publish your successes and acknowledge your milestones in Kentucky Banker magazine and on the KBA’s official FACEBOOK page: @kybankers (we use the hashtag #kbabankshots). Email your BANK SHOTS! jfischer@kybanks.com
Mahan a native from Paris, TN, has been with FNB since 2012 and possesses 13 years of banking experience. He currently serves the Mayfield-Graves County market area as a Commercial and Ag Loan Officer and Indirect Lending Manager. He earned his Bachelor’s Degree in Marketing from Tennessee Tech University. Mahan has attended the South Eastern Schools of Banking and Commercial Lending. He is a graduate of the Mayfield-Graves County Chamber Leadership Program.
BANK SHOTS!
@kybankers FACEBOOK/TWITTER #kbabankshots
WILL G. DAVIS
ETHEL SPARKS
DEBBIE BABER
HALEY WRIGHT
Community Trust and Investment Company announced Will G. Davis has joined CTIC’s Wealth and Trust Management (WTM) team as Assistant Vice President, Relationship Officer for Retirement/Institutional Services.
Community Trust Bank announced Ethel Sparks has been promoted to Market Assistant Vice President. Ms. Sparks has worked for Community Trust Bank for over 23 years.
Community Trust Bank announced Debbie Baber has been promoted to Market Assistant Vice President. Ms. Baber has worked for Community Trust Bank for over 43 years.
Farmers National Bank of Lebanon announced Haley Wright was promoted to a full time role as Loan Department Coordinator. Wright joined Farmers National Bank in 2015 as a part-time teller.
CHRIS JACKSON
BRIAN COHOON
RYAN BURDETTE
CHELSEA CULP
Citizens Union Bank announced the hiring of Chris Jackson as Vice President/Senior SBA Lender. Chris has worked exclusively in the SBA lending arena for over 17 years.
First Bankers Trust Co. announced Brian Cohoon CFP, CRPC, AIF, as Executive Wealth Advisor and Chief Development Officer. Brian has over 24 years of experience.
Farmers National Bank of Lebanon announced Ryan Burdette was promoted to Director of Information Technology and named Information Security Officer.
FNB Bank named Chelsea Culp as Marketing Assistant/Receptionist at the Mayfield office. Culp has been with the bank since 2016.
DELENA CLEVINGER
DOMINIQUE VANDENBERG
GREG MILLS
ASHLEY WHITE
Community Trust Bank announced Delena Clevinger has been promoted to Assistant Vice President. Ms. Clevinger has worked for Community Trust Bank for over 15 years.
Community Trust Bank announced Dominique Vandenberg has been promoted to Market Assistant VP. She is the Branch Manager of the Richmond Bypass Office and has over 8 years of banking experience.
Farmers National Bank of Lebanon announced Greg Mills as Cashier of the Bank. Mills also serves as Controller and Assistant Compliance Officer. He graduated from LSU Graduate School of Banking on June 2, 2017.
Community Trust Bank announced Ashley White has been promoted to Assistant Vice President. Ashley White is the Residential Loan Supervisor at Community Trust Bank. Her job responsibilities include supervising the processing and preparation of final closing documents on residential loans, assisting in the development and training for employees, lenders, market and regional presidents, assisting the Residential Lending Manager with departmental administrative matters, and ensuring all actions performed are in compliance with government regulations and organizational policies and procedures.
JESSICA TUCKER
LAURA GRUMLEY
JOEY JAGLOWICZ
FNB Bank announced Jessica Tucker’s recent promotion to the Controller position. Jessica will serve as Controller for FNB Bank’s eight locations, and will be housed at the Mayfield Main Office.
Laura Grumley has joined the team of The Paducah Bank and Trust Company as Assistant Director of Marketing. Grumley earned a bachelor of science degree in public relations from Murray State University.
Farmers National Bank of Lebanon announced Joey Jaglowicz was promoted to Director of Data Operations and named Assistant Information Security Officer.
BANK SHOTS! highlight you, the members of the KBA, and the banks you work for. Formerly Bankers on the Move and Bank Happenings, BANK SHOTS! is where we publish your successes and acknowledge your milestones in Kentucky Banker magazine and on the KBA’s official FACEBOOK page: @kybankers (we use the hashtag #kbabankshots). Email your BANK SHOTS! jfischer@kybanks.com
Ms. White has worked with the bank for over six years as a title/appraisal processor, mortgage loan processor, and Lead Processor. Her office is located at the Main Office of Community Trust Bank in Pikeville, Kentucky. She earned an Associate Degree in Applied Science from Big Sandy Community & Technical College in Pikeville, Kentucky. She graduated from Shelby Valley High School in Pikeville, Kentucky. She is a member of the Bridge Of Hope Church located in Pikeville, Kentucky and resides in Virgie, Kentucky.
Kentucky College Students Serving as Interns at Paducah Bank This Summer
“Paducah Bank is proud to partner with students as they sources at Paducah Bank. “It is our hope that these oppordevelop professionally and personally,” said Maurie Mc- tunities will provide our student interns with a vision for Garvey, senior vice president and director of human re- their career development in their hometown of Paducah.”
Jared Burnett is a senior finance major at Western Kentucky University. He is a McCracken Country High School graduate and is working as a retail relief personal banker. He is the son of Tillman and Jennifer Burnett of Paducah.
Ryan Garner is a junior accounting major at Georgetown College. He is a McCracken County High School graduate and is working as a retail relief personal banker. He is the son of Jeff and LeAnne Garner of Paducah
Kaylee Capps is a human resource management major at Murray State University. She is a Murray High School graduate and is working in the marketing department as a social media expert. She is the daughter of Monica Seargent of Murray and Tim Capps of Grand Rivers.
John Gentry is a senior finance major at Murray State University. He is a McCracken County High School graduate and is working as a retail relief personal banker. He is the son of Mike and Debbie Gentry of Paducah.
Jack Daniels is a sophomore English major with a pre-law focus at Centre College. He is a Paducah Tilghman High School graduate and is working as a retail relief personal banker. He is the son of Tillman and Jennifer Burnett of Paducah. He is the son of Jamison and Andrea Daniels of Lake Station, Indiana.
Molly Shannon is a sophomore finance/accounting major at the University of Kentucky. She is a Paducah Tilghman High School graduate and is working as a retail relief personal banker. She is the daughter of Kevin and Angie Shannon of Paducah.