DECEMBER 2021 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Good Reads: How to lead with confidence History Lesson: A short history of biometric technology The Ledger: The importance of good managers The State of Banking: Florida's banking landscape Small Businesses Speak Out: Maria Dibble 11 18 PORTFOLIO 18 How banks stood with hotel customers The hotel industry is on the road to recovery following the pandemic 21 Leadership at All Levels How to translate brainstorming ideas into prioritized to-do items 22 Remote authentication fraud: How to fight it Prepare your customers and staff to recognize and protect against fraud CONNECTIONS 64 64 Trailblazer Beneficial State Bank is bringing radical, positive change to its community and customers 68 Community Spirit First Southwest Bank helps its local communities thrive with creative lending programs 72 Out of Office Bank of Clarke County's Chrissy Neff adopted a goat in 2018. Now, she has three and even a donkey 25 Innovation Station Why 2021 has been a year of awakening for bank innovation 26 Portfolio Management Jim Reber answers portfolio questions from a community banker 28 4 tips for better vendor management With so many to choose from, it pays to know how vendors perform 30 Recapping 2021's compliance changes While it was a quiet year for compliance, there was some change 32 Checks & Balances The case for opposing the CFPB's burdensome Section 1071 proposal Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 Q ICBA Independent Banker Q December 2021http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba