Independent Banker - October 2018 - 7

FLOURISH
" Your character, integrity
and strong reputations
will continue to serve
you well. "
Rebeca Romero Rainey
President and CEO, ICBA
With the 10th anniversary of the Wall Street
fi nancial crisis just behind us, let us not forget
the wrongdoings of the nation's largest and most
systemically important banks-wrongdoings that
led to the Great Recession and the undoing of one
too many American dreams.
What's amazing to me is that 10 years later,
nearly to the day, the megabanks are doubling
down. As policymakers continue to review
fi nancial services regulations, the largest
banks are working to roll back rules that were
designed to mitigate the risks they pose to the
fi nancial system.
Americans deserve better from their fi nancial
institutions. As relationship lenders, we
community bankers pride ourselves on providing
the best possible products and services to our
customers-all while adding the personal touch
that only community bankers can bring. This
marked diff erence between us and the megabanks
is yet another opportunity for us to tell the story
of how community banks work diff erently from
the transactional, take-a-number approach
of the nation's largest and most systemically
risky institutions.
Regulators have issued a proposed rule to
reduce capital levels for global systemically
important bank holding companies and their
federally insured subsidiaries. Meanwhile,
some members of Congress are asking the Federal
Reserve to eliminate a capital surcharge on
the megabanks.
First things fi rst: Washington needs to slow
down and reevaluate. We cannot aff ord to repeat
the mistakes that contributed to the 2008 fi nancial
catastrophe, which community bankers
remember all too well. Policymakers should not
be swayed by the largest and riskiest institutions
to weaken vital safeguards on our fi nancial system,
especially when megabank misbehavior
remains on full display.
Where I'll be
this month
I'll be traveling
to Memphis
to visit Vining
Sparks and CRA
Partners. I'll also
be speaking at
the Tennessee
Bankers
Association
convention.
As you go through your working day, I
encourage you to note the diff erences in the way
you conduct your business locally. Every time you
think of something that makes your bank unique,
whether it's going one step further to make a
loan happen or making a decision that will shore
up your capital position, write it down. These
examples are right at the heart of what makes the
community bank business model diff erent than
those of other fi nancial institutions. Share those
stories with ICBA, your local community and
your regulators to show that banks can be successful
by doing right by their customers.
Connect with Rebeca @romerorainey
independentbanker.org Q 7

http://www.independentbanker.org

Independent Banker - October 2018

Table of Contents for the Digital Edition of Independent Banker - October 2018

Table of Contents
Independent Banker - October 2018 - Intro
Independent Banker - October 2018 - Cover1
Independent Banker - October 2018 - Cover2
Independent Banker - October 2018 - Table of Contents
Independent Banker - October 2018 - 2
Independent Banker - October 2018 - 3
Independent Banker - October 2018 - 4
Independent Banker - October 2018 - 5
Independent Banker - October 2018 - 6
Independent Banker - October 2018 - 7
Independent Banker - October 2018 - 8
Independent Banker - October 2018 - 9
Independent Banker - October 2018 - 10
Independent Banker - October 2018 - 11
Independent Banker - October 2018 - 12
Independent Banker - October 2018 - 13
Independent Banker - October 2018 - 14
Independent Banker - October 2018 - 15
Independent Banker - October 2018 - 16
Independent Banker - October 2018 - 17
Independent Banker - October 2018 - 18
Independent Banker - October 2018 - 19
Independent Banker - October 2018 - 20
Independent Banker - October 2018 - 21
Independent Banker - October 2018 - 22
Independent Banker - October 2018 - 23
Independent Banker - October 2018 - 24
Independent Banker - October 2018 - 25
Independent Banker - October 2018 - 26
Independent Banker - October 2018 - 27
Independent Banker - October 2018 - 28
Independent Banker - October 2018 - 29
Independent Banker - October 2018 - 30
Independent Banker - October 2018 - 31
Independent Banker - October 2018 - 32
Independent Banker - October 2018 - 33
Independent Banker - October 2018 - 34
Independent Banker - October 2018 - 35
Independent Banker - October 2018 - 36
Independent Banker - October 2018 - 37
Independent Banker - October 2018 - 38
Independent Banker - October 2018 - 39
Independent Banker - October 2018 - 40
Independent Banker - October 2018 - 41
Independent Banker - October 2018 - 42
Independent Banker - October 2018 - 43
Independent Banker - October 2018 - 44
Independent Banker - October 2018 - 45
Independent Banker - October 2018 - 46
Independent Banker - October 2018 - 47
Independent Banker - October 2018 - 48
Independent Banker - October 2018 - 49
Independent Banker - October 2018 - 50
Independent Banker - October 2018 - 51
Independent Banker - October 2018 - 52
Independent Banker - October 2018 - 53
Independent Banker - October 2018 - 54
Independent Banker - October 2018 - 55
Independent Banker - October 2018 - 56
Independent Banker - October 2018 - 57
Independent Banker - October 2018 - 58
Independent Banker - October 2018 - 59
Independent Banker - October 2018 - 60
Independent Banker - October 2018 - 61
Independent Banker - October 2018 - 62
Independent Banker - October 2018 - 63
Independent Banker - October 2018 - 64
Independent Banker - October 2018 - 65
Independent Banker - October 2018 - 66
Independent Banker - October 2018 - 67
Independent Banker - October 2018 - 68
Independent Banker - October 2018 - 69
Independent Banker - October 2018 - 70
Independent Banker - October 2018 - 71
Independent Banker - October 2018 - 72
Independent Banker - October 2018 - 73
Independent Banker - October 2018 - 74
Independent Banker - October 2018 - 75
Independent Banker - October 2018 - 76
Independent Banker - October 2018 - 77
Independent Banker - October 2018 - 78
Independent Banker - October 2018 - 79
Independent Banker - October 2018 - 80
Independent Banker - October 2018 - Cover3
Independent Banker - October 2018 - Cover4
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