JANUARY 2021 CURRENCIES Small Businesses Speak Out: Doug Fabbioli of Fabbioli Cellars Good Reads: Ready to have your best year ever? History Lesson: From the Great Depression to today: The FDIC The State of Banking: Washington's banking landscape Quick Stats: PPP forgiveness The Ledger: AI-driven marketing 5 Flourish 7 From the Top 68 Out of Off ice IN EVERY ISSUE 28 PORTFOLIO 18 2021's lending outlook: cautious optimism Community banks are eyeing the same, if not more, loans this year 22 Leadership at All Levels Staying connected to your teams should be a year-round priority 68 CONNECTIONS 60 Trailblazer Systematic Savings Bank transformed to achieve profitability 64 Community Spirit Uwharrie Bank is fostering connections in its community 66 Member Benefits ICBA Connect will re-energize everyone at your community bank 60 2 Q ICBA Independent Banker Q January 2021 24 Influencer marketing: what it is and how you can use it This growing marketing tool can boost your bank's brand awareness 26 Innovation Station Six innovation trends for 2021 28 Fraudsters' latest target? Unemployment benefits The scheme nearly netted criminals half a billion dollars in benefits 32 Portfolio Management Want to change your investments? This year holds plenty of potential 34 A year for compliance reform Regulators are weighing several reforms, from the CRA to the PPP 36 Checks & Balances ICBA welcomes new lawmakers Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicbahttp://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba