Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

2019 COMMUNITY BANK CASE STUDY COMPETITION Competition participation, by state, in 2019

Public Policy Focus Impact on a bank’s ability to serve its community from S.2155

Participants 23 states 44 schools 58 teams Previous winners 2015: University of Utah 2016: Southeastern Louisiana University 2017: University of Akron 2018: Eastern Kentucky University 2019: Juniata College

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National Survey – 2019 Sneak Peak

• 40% said the cost of funds will have the biggest impact on profitability

• 30% said de-population is affecting their ability to raise core deposits

• The risk to business identified by the most bankers: 70% said cybersecurity

• Compliance costs seem to be stabilizing at levels just short of $5 billion industrywide

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