DECEMBER ƟǒƟǒ CURRENCIES Tis the season of giving at Planters Bank Q Good Reads: Resetting after a challenge Q History Lesson: How three currencies got their names Q The State of Banking: North Dakota's banking landscape Q The Ledger: Will some WFH for good? 30 PORTFOLIO 18 Is it time to use a vendor 14 IN EVERY ISSUE 5 Flourish 7 From the Top 68 Out of Offi ce 68 21 Leadership at All Levels After an unexpected year, it's time to reflect, says ICBA's Lindsay LaNore 25 Innovation Station Review your accomplishments this year, says ICBA's Charles Potts 64 26 Looking back at 2020's compliance challenges Here are the regulatory changes you may have missed amid 2020's crises 28 Portfolio Management Jim Reber of ICBA Securities off ers a guide to securities with a 1% yield 30 Checks & Balances This year, those on Capitol Hill heard community bankers loud and clear Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba management platform? Here's what to consider when outsourcing this growing function 22 How to keep customers loyal in tough times Traditional loyalty benefits may not be appealing in the era of COVID-19 CONNECTIONS 60 Trailblazer Midwest BankCentre launched the digital-only Rising Bank brand with the help of a fintech partnership 64 Community Spirit How Malvern Bank saved one of its longtime small business customers amid recent financial challenges 66 Member Benefits ICBA's Bank Locally page is for small business owners looking to make the switch to a community bank 2 Q ICBA Independent Banker Q December 2020http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/