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

Five Questions for Five Bankers 1. The Economic Growth, Regulatory Relief, and Consumer Protection Act’s (S. 2155) impact on the community bank business model

2. Reducing burden in examinations with technology

3. The future of funding, liquidity, and raising core deposits

4. Technology and the institution’s strategic plan

5. Evaluating cybersecurity risk

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COMMUNITY BANK SENTIMENT INDEX: DEVELOPMENT PLAN

■ Below 95 ■ 95-99 ■ 100-104 ■ 100-104 ■ 100-104 PERCENT OF BANKS

Indicator of community bank sentiment

“Attitudinal” questions to the national survey • How do you expect business conditions in your market to change over the next 12 months? • How do you expect your bank’s capital expenditures on facilities or operations to change over the next 12 months? • How do you expect the franchise value of your bank to change over the next 12 months?

Goal: Quarterly indicator of how key drivers of local economies are feeling about the future

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