IBC Benefits Purchasing Guide 2012

&
IBC Benefits
Purchasing Guide
2012
Banking at its Best
The Independent Bankers of Colorado (IBC)
is the largest banker trade association in Colorado,
exclusively providing a common voice for community
banks across Colorado, currently with more than 60
member banks conducting business at over 425 locations statewide. The IBC is an advocate for community
banks and seeks to influence legislative and policy decisions at the federal and state levels. We provide
timely and important information to our members through our newsletter, website and legislative updates.
We also have more than 70 associate members who actively support the IBC through the products and
services they offer to Colorado’s banking industry and their participation in our many programs. Through
our Preferred Provider Program, we offer products and services at reduced rates to members.
Table of Contents
Membership Benefits................................................................................................. 2
Education and Networking Opportunities........................................................ 3
IBC’s Preferred Providers........................................................................................ 6
ICBA-Sponsored Services............................................................................... 15
IBC Associate Members...................................................................................... 17
1900 Grant Street, Suite 1120 . Denver, Colorado 80203
Independent Bankers of Colorado
303.832.2000 . www.ibcbanks.org
Membership Benefits
How does my bank benefit?
sent to more than 400 member and non-member
bank locations statewide and associate member
representatives. It keeps our readers updated on
banking issues and trends, state and federal legislation,
industry products and services and IBC sponsored
events. IBC associate members receive two one-third
page ads per year and are listed on our Web Site as free
member benefits, as well as other discounted and free
promotional opportunities. Our associate members
regularly appear in our newsletter as guest writers.
All IBC member banks receive myriad membership
benefits, including discounts on association programs,
free legal advice and discounts on products and services
essential to your banking operation.
We provide a voice you can count on.
The IBC provides Colorado’s only lobbying effort
exclusively on behalf of community banking issues at the
state and federal levels. This association is represented
by staff and lobbyists who have extensive experience
and enjoy substantial credibility with Colorado’s
Congressional delegation and General Assembly on issues
of importance to community banks. The IBC staff closely
monitors and remains actively involved in all aspects of
state and federal banking regulation. Our COINPAC and
Government Relations Fund monies ensure the IBC’s
active participation in the political process.
Free legal advice with just a phone call.
One of our most popular benefits, the IBC Hotline,
provides free, instant responses to questions about legal
and compliance issues. IBC member banks may contact
Bieging Shapiro & Barber, LLP, the IBC’s legal counsel, with
legal and compliance questions regarding their work.
Bieging Shapiro & Barber will also review agreements
and provide recommendations in conjunction with the
Hotline. IBC member banks may call (303) 832-2000 for
the number to the Hotline.
Finally, a newsletter you will want to read.
The Independent Report is our electronic newsletter
2
Membership Benefits, continued
Everyone you need to call in one directory.
Our web-based Directory lists Colorado community banks and their
officers. The Directory is updated continually and also lists associate
members with a description of their products and services. All IBC
members can access the directory via IBC’s website at www.ibcbanks.org.
A website for the surfer in you.
Our website offers access to current information about the IBC’s products
and services and member information. It also has links to related sites.
Consumers can access our “find a bank/ATM” to find locations of our
member banks and ATMs nearest them. The IBC’s website address is
www.ibcbanks.org. Utilize the Legislative Issues area to track state and
federal legislation and to contact your elected officials.
There are plenty of ways to get involved.
Members may serve on the IBC’s or IBC/IBCEF joint committees that
offer direction and recommendations to us in the following areas: Ag
and Natural Resources, Convention, Education and Training, Special
Advisory Committee, and Government Relations Committees. Member
banks can also serve on our Board of Directors.
Education and Networking Opportunities
IBC Education Foundation (IBCEF)
• Offer scholarships to graduating high school seniors
who are the children of community bankers and
community bank customers.
Mission
• Offer a variety of affordable education and training
programs for community bankers to enhance
the knowledge and skills of community banking
employees who operate in a highly regulated
industry.
We keep you up-to-date with all the latest and
greatest.
The IBCEF provides programs throughout the year via
webinars, teleconferences, or on-site events on topics of
interest: management, compliance, lending, operations
and front-line staff. We also offer internet-based training
available through our website 24 hours a day – seven
days a week. Participants of our Education Program
receive discounts enabling multiple employees and
officers to participate.
• Support banking certificate programs and
continuing professional education offered through
public colleges and universities for students and
community bankers.
• Support financial literacy initiatives.
• Support broad-based education and training programs
offered to other industry and community groups.
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Education and Networking Opportunities, continued
Online Training
The IBCEF is very pleased to announce its partnership
with Harland Educational Services to provide leadingedge online training through BankU and to assist with
the IBCEF’s mission to enhance the knowledge and skills
of community bank employees and support continuing
professional education for community bankers and
directors.
BankU is an online university that provides more than
200 on-demand courses on topics from leadership,
employee education, management development,
compliance and teller school to sales and service,
business development and much more. BankU provides
financial institution employees with specific curriculum
geared to the financial industry and incorporates the
latest in adult learning techniques to increase retention,
establish consistent instruction and measure results.
Community Banker Roundtables – Hot Topics,
Industry Issues and Outreach
Banks joining our roundtables participate in regular
meetings in several locations throughout the state. Our
roundtables offer CEO’s and officers the opportunity
to discuss issues with their peers over lunch, listen
to guest speaker presentations on topics chosen by
participating bankers, and receive legislative, regulatory
and association updates.
Community Banker Roundtables at NO cost! All of these
benefits for a minimal per-person fee or individual banks
may register their bank and branch employees for a
minimal flat fee.
Career Banker Network – Connecting Community
Bankers
Don’t miss our Annual Convention (mostly
business, but some play!).
The IBCEF’s Career Banker Network (CBN) is dedicated
to enhancing the professional development of its
participants and assisting them in becoming future
industry leaders. CBN establishes a venue for partiipants
to become more actively involved in the industry and
the IBC. CBN participants receive an annual subscription
to the CBN and IBC bi-monthly newsletters, receive
discounted pricing for IBCEF events and education
programs and much more! Participants attend the
Our annual three-day convention is devoted to
community banking issues and has become Colorado’s
largest statewide community banking convention
and networking opportunity. Conducted every fall, it
includes timely keynote speakers, breakout sessions,
golf tournament, exhibit hall and two nights of dining
and entertainment in a resort setting.
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Education and Networking Opportunities, continued
A conference for the ag and
natural resources community.
Conducted each spring, this day
and a half conference includes
timely keynote speakers and
breakout sessions that provide
guidance to meet the increasing
challenges in the agricultural and
natural resources sectors.
Annual High School
Scholarship Contest.
Two one-time $1000 scholarships
are awarded to a graduating senior
who is a customer of a member
bank and to a child or employee
of one of our member banks who will be attending a
Colorado higher education institution.
Your Money. Spanish translation modules include:
Internet Basics, Investment Basics, Savings Accounts,
Taking Control of Your Finances, The Benefits of
Checking, and Understanding Your Money.
Consumer Education and Financial Literacy
The IBC Education Foundation offers free online
financial literacy tool for schools and students,
churches and community organizations, the general
public, and others interested in supporting financial
literacy.
These modules can be accessed any time by going
to www.ibcbanks.org and clicking on the red and
white IBC Education Foundation box on the lower
right. Once you enter the Foundation’s site, click on
the words Consumer Education along the right-hand
column to access the modules.
Our core financial literacy modules include: Computer
Basics, Internet Basics, Investment Basics, Savings
Accounts, The Benefits of Checking, and Understanding
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The IBC’s Preferred Provider offerings include
surcharge free ATM network, merchant processing,
check printing, business forms, check imaging, and
other Preferred Provider products and services.
Our following Preferred Providers offer exclusive
products and services to our member banks, often
at significant discounts.
MSP/EFT Group is pleased to announce our preferred vendor
status for electronic
NSF check representment services through the Independent
Bankers of Colorado. If your bank is not already offering eCollect,
we would like to offer our value added business banking tool at
no cost to the bank. Through our alliance, your bank can offer
your commercial clients eCollectTM for the reprocessing
and collection of NSF checks, while at the same time, creating
an income stream for the bank that is unmatched.
What is eCollectTM? eCollectTM is our FREE electronic
re-presentment service that ANY commercial account can
enroll in at no cost to them. Once a business has signed up
for eCollectTM, any NSF check the bank recieves back on their account would be represented in a controlled settlement. We
collect 100% of the original check amount on behalf of the business, plus a state processing fee. We will attempt to reclear checks
on specific days of the month for a higher degree of collectability. Once funds are collected, they are deposited directly into the
business account on file. Regardless of the business type, size, public, private or the number of return checks the business receives,
your commercial base can only benefit by the bank’s vision to offer eCollectTM.
What’s the incentive to the bank? For our alliance, we will rebate back to the bank a fixed percentage of the fee income for each
NSF check we reprocess and clear on behalf of one of your commercial clients, thus increasing the banks’ fee income.
Some of our bank alliances that promote eCollectTM are: Banco Popular, IL; Canon National Bank, CO; Central National Bank, KS;
Central Carolina Bank, NC; Texas Bank, TX; Gunnison Bank & Trust, CO, just to name a few of the thirty plus banks nationwide. Our
alliance offering is a win-win situation, for your bank as well as your commercial client base.
For more information, please contact Daniel Rogers at 866-881-5674.
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PREFERRED PROVIDERS
MSP/EFT Group
INDEPENDENT BANKERS NETWORK
IBC’s Preferred Providers
INDEPENDENT BANKERS NETWORK
Working for the well-being
of community banks since 1980.
 First-rate products and services
 Advanced secure technology
 Competitive pricing and economies of scale
alliances, and deep industry expertise
ices Program
Merchant Serv
t
e Independen
endorsed by th
lorado
Bankers of Co
BANKERS’ BANK OF THE WEST
1099 18th Street · Suite 2700
Denver, Colorado 80202
303-291-3700 · 800-873-4722
www.bbwest.com · [email protected]
Member FDIC
Health.
Prosperity.
Partnership.
Founded in 1980 to serve only community banks, Bankers’ Bank of the West (BBW) provides a
variety of outstanding products at competitive prices. Our merchant services program—which
is endorsed by the Independent Bankers of Colorado—delivers significant “bonuses” at no
additional cost to you. Among those advantages are:
•
•
•
•
•
•
Flexible product offerings;
Quick startups;
Dedicated implementation and conversion team;
On-site bank staff training;
A program that is risk-free to your community bank; and
Performance of onsite merchant conversions by BBW.
Also available from BBW’s Bank Card Division is a full complement of ATM/debit products and
services you can customize to fit your bank. Our program gives you the latest technology and
access to the largest regional ATM/POS network in the nation—STAR Network and Instant Cash
Network for surcharge-free transactions.
In addition, our premier services include image cash letter processing; agent fed funds and fed
funds lines; wire transfers; international services; safekeeping; certificates of deposit for banks;
and loan participations and municipal leasing. Capital market services are available through our
partners, BBW Capital Advisors. For more information on how we can help you succeed, visit
www.bbwest.com or call 303-291-3700.
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PREFERRED PROVIDERS
 Premier customer service, powerful
INDEPENDENT BANKERS NETWORK
Harland Clarke, a leading provider of
best-in-class solutions, serves more than
11,000 financial institutions nationwide.
We offer:
• PaymentSolutions
Harland Clarke Payment Solutions
include checks, card services, forms
and cash management programs. We
help banks improve operational efficiency
and increase revenue, while enhancing
customer satisfaction.
• MarketingServices
Our integrated, multichannel
marketing services are designed to
grow relationships through meaningful,
information-based interactions.
• SecuritySolutions
Harland Clarke offers a wide range of
security solutions for banks to provide
to their consumer and business account
holders. Our solutions provide peace of
mind and protection in an uncertain,
ever-changing environment.
Our solid advice, proven products and services,
and more than 100 years of experience have
earned us the privilege of being our clients’
trusted adviser.
Harland Clarke. Smarter Decisions, Better Results.
To learn more, visit harlandclarke.com.
Harland Clarke’s payment, marketing and security solutions are the surest ways
to stay in the game. Like a professional chess player who is always several moves
ahead, we devise and execute strategies that maximize the value of your account
holder relationships and enhance your business. If you’re ready to move in the
right direction, call your Harland Clarke representative today.
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© 2012 Harland Clarke Corp. All rights reserved.
PREFERRED PROVIDERS
A move in the right
direction makes all
the difference.
INDEPENDENT BANKERS NETWORK
Managing Payments,
Driving Solutions
Heidi Saba
[email protected]
303.399.8929
© Copyright 2011 Vantiv, LLC. All rights reserved.
IBC-Saba.indd 1
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Integrated Bank Technology (IBT) is a provider of some of the most innovative and powerful
banking software solutions available in the industry today. In addition to providing Core
Processing, Integrated Image Teller, Statements, Check 21 Proof of Deposit, IVR, Internet
Banking, Document Imaging and more, our flagship product, the Integrated Bank Environment
(IBE) is the powerhouse application that brings all these applications together in one place, for
you to manage and view your financial institution data in a real time environment. IBE facilitates
the electronic exchange of customer and transaction information from multiple applications to one
consolidated database. This enables everything to be tracked and managed from a single point
of view - your desktop! IBT has successfully integrated more than 100 individual financial
institutions. IBT is backed by a team of former community bankers, who understand the
uniqueness of your institution and the challenges you face in today’s banking environment.
http://www.ibanktech.net/
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PREFERRED PROVIDERS
We’re Vantiv. Dedicated, strategic professionals with 40 years of experience developing innovative payment processing
solutions for financial institutions and merchants. We offer an extensive suite of debit, credit, prepaid, ATM and merchant
services to provide you with new sources of revenue. Our people, technology, and partnerships are the Vantiv difference.
Let’s discuss your future success.
the bank. Because Main Street is a two way street. We value each and every customer, not just the bottom
line.“—Will Buyck, Bank of Clarendon, Manning, South Carolina. “We provide capital to help business owners
realize their goals—
and in doing so provide employment for local people. These dollars are
recycled into our
We support
I enjoy helping
jobs, and improve the
—Tom McGraw,
community that we live in. As a community banker,
Northern California, I have the privilege to see the impact I have on a
and help those
achieve their dreams, create
business people
communities.
—Robert Hemsath, Security First Bank Fresno, California
government can’t.“
First National Bank of
South San Francisco,
a vibrant community and
community bank there.
They go hand in hand.“—Steve Zeman, Union State Bank of West Salem, West Salem, Wisconsin. Thank you for
all you do—you keep your communiTy Thriving and our counTry’s economy sTrong.
See your name & quote?
One Mission. Community Banks.
™
ICBA Bancard & TCM Bank
Let us know and you could win an iPad!
Email us at [email protected]
ICBA Mortgage
1-866-THE-ICBA | www.icba.org
ICBA Reinsurance
ICBA Securities
4921_ICBA_8x5.25.indd 1
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ICBA Services Network®
Whether considering a new product line, or seeking a community bank-focused provider, the
ICBA Services Network has solutions for your bank through its financial services companies:
ICBA Bancard®/TCM Bank®: Payment & Card Issuing Solutions
ICBA Reinsurance®: Credit Life & Disability Insurance
ICBA Mortgage®: Secondary Market Access & Loan Solutions from ICBA Mortgage
Solutions®
ICBA Securities®: Bank Investment Solutions & Profitability Consultations
For more information, contact the ICBA Services Network by visiting www.icba.org or by calling
800-828-7183 Fax 202-659-3607
1615 L St, NW, Suite 900
Washington, DC 20036
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PREFERRED PROVIDERS
California. “Find me daily basis.
there will be a vibrant
community causes
INDEPENDENT BANKERS NETWORK
“I’m a community banker because I’m empowered to make decisions that are right for both the customer and
OVERSIGHT
Careful oversight of your
retirement plan.
That’s an advantage.
Pentegra’s disciplined investment
process and due diligence have
delivered a 65+ year track record
of success for our clients.
Pentegra offers a level of governance and oversight that is unmatched. Our Board members are clients too – they’re community
bank presidents and CEOs who use our products every day and place their own retirement future with Pentegra. Feeling
confident in the management of your retirement plan, now that’s an advantage.
Contact Ken Jackson at 800•872•3473 (x559) or at [email protected]
www.pentegra.com
_Pentegra Ad.indd 1
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PREFERRED PROVIDERS
At Pentegra, we create retirement plans that help banks build a competitive advantage. Pentegra offers
a full array of retirement programs, including 401(k) plans, defined benefit pension plans, KSOPs, ESOPs,
profit sharing plans, executive benefit and director compensation plans and BOLI. With more than $8
billion in retirement plan assets, we manage more than 2,500 retirement plans nationwide. Benefit from
over 65+ years of expertise with retirement plan solutions designed to drive your success. Contact Ken
Jackson, Regional Marketing Director at [email protected] or 800-872-3473 x559.
INDEPENDENT BANKERS NETWORK
Ken Jackson, Regional Marketing Director
[email protected]
Tel: 800-872-3473
Direct: (303) 921-3109
Pentegra Retirement Services
3 Enterprise Drive, Suite 105
Shelton, CT 06484
website: www.pentegra.com
INDEPENDENT BANKERS NETWORK
PREFERRED PROVIDERS
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For 30 years, our sole focus has been debit. We deliver the
nationwide POS and ATM acceptance, unsurpassed value
A Discover Financial Services Company
Go to pulsenetwork.com to learn why PULSE is the debit network choice
© 2011 PULSE 11
Dedicated to protecting
community banks.
Community banks throughout the nation have turned to us to help
them gain the assurance needed to thrive in difficult times. Designed
for community banks, Travelers SelectOne® is a simple approach to
protection. Contact Jim Shortall at [email protected]
Travelers is proud to be a preferred provider of the IBC.
© 2011 The Travelers Indemnity Company. All rights reserved. The Travelers Indemnity Company and its property casualty affiliates.
One Tower Square, Hartford, CT 06183
13
travelers.com
PREFERRED PROVIDERS
and trust that enable your debit program to thrive.
INDEPENDENT BANKERS NETWORK
Looking for help to navigate the
turbulent seas of today’s debit market?
Serving Community Bank Customers
Across Colorado
The IBC’s Surcharge-Free ATM Network
The IBC’s surcharge free ATM network is an alliance of
community banks that helps solidify your customer base
by offering your customers access to more than 134
surcharge-free ATMs throughout the state of Colorado.
As a member of the network, you waive surcharges to
the customers of banks belonging to our network, while
retaining the option to charge non-member customers
who use your ATMs. Our alliance means that community
bank customers will remain with their community-based
banks, yet be able to access a broad choice of surchargefree ATM locations.
The IBC’s Preferred Providers enables your bank to:
• Retain and attract new customers
• Compete with large banks and credit unions
• Increase the availability of community banks
surcharge-free ATMs across the state
• Enhance the community banking industry in
Colorado
• Have the option to surcharge transactions of nonmember customers
The IBC’s Preferred Providers benefits:
• Competitive membership costs and intercharge fees
• Surcharge-free ATM location directories for your
customers
• IBC website directory of participating bank ATM
locations
• Logo stickers for participating ATMs
• Access to all national, regional and EBT networks
• Accommodates surcharging of non-member
customers
• Vendor ATM discounts
• Provides enhanced card products for fee income
opportunities
Supported by PULSE, Vantiv and Banker’s Bank of
the West:
• Providing reliable customer service
• Online and offline debit processing
• Optional shared deposit taking
• Positions your bank as one that consumers can
access anytime…surcharge free
14
ICBA-Sponsored Services
The Independent Bankers of Colorado supports and recommends the following products and services supplied
by our national association, the Independent Community Bankers of America (ICBA). By combining the product
support of vendors with the purchasing power of ICBA members, community banks have harnessed their
purchasing ability to save member banks over $6 million since the inception of the ICBA Purchasing Guide Program.
ICBA Network Services
ICBA Bancard & TCM Bank
ICBA Financial Services
ICBA Mortgage
ICBA Reinsurance
ICBA Securities
ICBA Preferred Service Providers
Insurance
BenefitsBank Employee Benefits – Medical & Dental
Coverage
M Benefit Solutions – Officer Compensation & Benefits, BOLI
Michael White & Associates Bank Insurance – Sales
Consulting
Travelers Insurance – Property & Casualty, Blanket Bond
and Directors & Officers Liability Insurance
WNC Insurance Services - ONEFlood™ Online Flood,
Hazard, Wind Insurance, Flood Zone Determinations
Lending Solutions
Farmer Mac – Farm & Ranch Loan Products
Holtmeyer & Monson – SBA Lending and Consulting
Services
iHELP – Private Student Loan Package
OneWorld Business Finance – Leasing Equipment
Financing
ProfitStars – Web Design & Hosting, Remote Deposit
Capture
WebEquity Solutions – On-Demand Lending Software
Wolters Kluwer Financial Services’ – Consumer, Commercial, SBA Lending Origination Software
Compliance & Bank Operation Solutions
Agility Recovery – Business Continuity Testing and Disaster Recovery
Compushare – Cloud Computing and Technology Management Solutions
FIS – Core and Item Processing
360 View™ Developed by inBusiness Services, Inc. – inBusiness Services Customer Relationship Management Software
15
ICBA-Sponsored Services, continued
OneWorld Business Finance – Leasing Equipment Financing
Paul Chamberlain International – Due Diligence/Background
Investigations on Loans, Asset Location associated with
Loan Modification, Fraud Investigations
Pitney Bowes – Mailing and Shipping Equipment
SunGard Availability Services – Business Continuity Planning
Software
WNC Insurance Services - ONEFlood™ Online Flood, Hazard,
Wind Insurance, Flood Zone Determinations
Wolters Kluwer Financial Services’ – Compliance and
Regulatory Solutions
Funding Solutions
FiServ – BankIntelligence: BancAnalyst® Financial and
BancAnalyst® Market Tools
OneWorld Business Finance – Leasing Equipment Financing
PMA Funding – Liquidity Funding Solution
Qwickrate – Marketplace for Non-brokered CD Funding and
investing
Cooperative Alliances
Promontory Interfinancial Network, LLC – Funding and
Liquidity Management, CDARS Service
Financial Management
Banker’s Dashboard Solution – Community Bank
Mangement Software
FiServ – BankIntelligence: BancAnalyst® Financial and
BancAnalyst® Market Tools
IMPACT Financial Services – Overdraft Services Solutions
360 View™ Developed by inBusiness Services, Inc. – inBusiness Services Customer Relationship Management Software
Payment Solutions
Access Prepaid Worldwide – Payroll and Foreign Currency Prepaid Card Program
BancVue REWARD – Checking Rewards Program
CPI Card Group – Credit and Debit Card Manufacturer
FIS – Core and Item Processing
Main Street Checks – Full-Service Check Manufacturer
ProfitStars – Web Design & Hosting, Remote Deposit Capture
Travelex – Foreign Currency Exchange
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IBC Associate Members
Are you looking for a product or service, but just don’t know where to look first? The following IBC Associate
Members are ready to serve you when you need them. Please keep this list handy, and the next time you’ll know
where to look first! This is just a sampling of what each company provides. For more information, check out IBC’s
website at www.ibcbanks.org.
Accounting/Compliance
BKD, LLP
Eide Bailey LLP
Fortner, Bayens Levkulich & Garrison, PC
Kennedy & Coe, LLC
Patten, MacPhee & Associates
Richey, May & Company LLP
Tava Consulting, Inc.
Wilcox & Richards
303-861-4545
303-986-2454
303-296-6033
970-685-3463
303-296-2900
303-720-6131
719-322-7252
720-319-7556
Advertising
*Grayco, a Division of AccuSource Solutions800-992-0304
Check Printing
*Harland Clarke
800-525-8848
Computer Products/Consulting
AccuSystems719-583-8004
BankOnIt405-605-3901
DellSecureWorks404-486-4408
HEIT970-212-7104
*ProNet Solutions
602-337-3371
Consultants
BKD, LLP
The Baker Group
Bank Strategies
The Corvus Group
Eide Bailey LLP
Expert Business Development
Fortner, Bayens, Levkulich & Garrison, PC iHELP Private Student Loan Program
Kennedy and Coe, LLC
Marquis Banking Partners
Patten, MacPhee & Associates
Richey, May & Company LLP
Tava Consulting, Inc.
Wilcox & Richards
Correspondent Banking Service
Bankers’ Bank of the West
The Independent BankersBank
INTRUST Bank
303-291-3700
972-650-6000
800-732-5120
Data Processing
866-398-2178
21st Century Financial Services
Computer Services, Inc.
800-545-4274
Fiserv505-890-8449
Harland Financial Solutions
800-815-5592
*Integrated Bank Technology
303-308-9930
Jack Henry Banking
417-235-6652
303-861-4545
405-415-7200
303-618-0056
312-474-9100
303-986-2454
610-771-2121
303-296-6033
303-621-2533
970-685-3463
303-243-3910
303-296-2900
303-721-6131
719-322-7252
720-319-7556
EFT/ATM/Card Processing/Merchant Services
303-291-3700
*Bankers’ Bank of the West
Harland Financial Solutions
800-815-5592
*ICBA Bancard/TCM Bank
800-242-4770
Jack Henry Banking
417-235-6652
*PULSE713-223-1400
TransFirst800-654-9256
*Vantiv303-399-8929
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IBC Associate Members, continued
Equipment/Supplies
Chubb303-295-1066
*Grayco, a Division of AccuSource Solutions800-992-0304
Human Resources/Management and Training
Expert Business Development
610-771-2121
*Oasis Outsourcing
800-746-2747
Insurance/Benefit Services
Bank Financial Services Group
303-489-1844
Central States Family of Companies
303-290-8901
Clark Consulting
888-728-3265
Financial Designs Ltd.
303-832-6100
ICBA Reinsurance
888-790-6615
The Kansas Bankers Surety Co.
785-228-0000
*Pentegra Financial Services
800-872-3473
*Travelers**720-200-8416
Investments/Trust Services
Colorado Housing and Finance Authority
303-297-7329
D A Davidson
303-764-6021
FTN Financial
800-456-5460
George K. Baum & Company 303-292-1600 or 800-722-1670
Gill Capital Partners
303-296-6260
*ICBA Securities
800-422-6442
The Baker Group
405-415-7200
Law Firms
Bieging Shapiro & Barber (IBC Counsel)
Fairfield and Woods, PC
Jones & Keller
Markus Williams Young & Zimmerman LLC
Otis, Coan & Peters, LLC
Rocky Mountain Law Group, LLC
Rothgerber, Johnson & Lyons, LLP
Sherman & Howard, LLC
720-488-0220
303-894-4416
303-376-8400
303-830-0800
970-225-6700
303-597-0202
303-623-9000
303-299-8384
IBC Lobbying and Public Relations
The Capstone Group (IBC Lobbyists)
303-860-0555
Marketing
O’Connell Consulting Group
303-795-3539
Other Products and Services
1st Reverse Mortgage USA®
Colorado Lending Source
FHLBank Topeka - Denver Office
FIMAC Solutions
Financial Forensic Services
First Valuation
*ICBA Financial Services
*ICBA Mortgage
Motel Man Management & Receivers
Promontory Interfinancial Network
Three Way Business Loan Consultants
303-854-3035
303-657-0010
303-893-3452
303-320-7597
303-974-5610
303-991-9919
800-786-0223
800-253-5356
303-422-4298
303-706-9265
720-475-1480
** Offered through IBC-Insurance, LLC, an insurance agency
affiliate of the IBC – also offering loan protection plans;
fee income generating plans; and St. Paul’s SelectOnesm
Insurance Program. IBC-I also offers through Brown & Brown
Insurance life and health employee benefit plans. Call 303832-2000 for more information.
*IBC Preferred Providers
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2011-2012 Officers and Directors
Independent Bankers of Colorado
IBC Chairman
Tom Chesney, President
AMG National Trust Bank
PO Box 339, Boulder CO 80306
1-303-473-4860
Brandon Berkley, Senior Vice President
Berkley Bank
5251 DTC Pkwy Ste 225,
Greenwood Village, CO 80111
1-303-770-0361
Allan Tormohlen, Vice President
Canon National Bank
816 Royal Gorge Blvd.
Canon City CO 81212
1-719-276-9153
IBC President
Jay Rickstrew, President
Alpine Bank Rifle
100 E. Fourth St, Rifle, CO 81650
1-970-625-9610
District B
Harry Devereaux, President
Home State Bank
303 E Mountain, Fort Collins, CO 80524
1-970-203-6100
Megan Harmon, Regional President/
COO
The Eastern Colorado Bank
444 E. Pikes Peak Ave., Ste 300
Colorado Springs, CO 80903
1-719-955-0633
IBC President-Elect
Steve Short, CEO
First National Bank Durango
259 W 9th St, Durango CO 81301
1-970-247-3020
Tom Olson, President
Points West Community Bank
PO Box 25, Julesburg CO 80737
1-970-474-3341
IBC ICBA State Director
Chuck Johnston
North Valley Bank
9001 N Washington Street
Thornton, CO 80229
303-452-5500
IBC District Directors
District A
Dave Brewick, President
Evergreen National Bank
PO Box 2020, Evergreen, CO 80437
1-303-674-2700
Brian Soeldner, President
Front Range Bank
13013 W. Alameda Pkwy
Lakewood, CO 80228
1-303-989-1313
Jim Pieters, CEO
High Plains Bank
PO Box 329, Bennett, CO 80102
1-303-644-4900
John Sneed, President
Fort Morgan State Bank
P.O. Box 1040, Fort Morgan, CO 80701
1-970-867-3319
District C
Quentin Leighty, Senior Vice President
First National Bank Las Animas/
Monument Branch
PO Box 2009, Monument, CO 80132
1-719-481-0008
Clay Whitham, President
Frontier Bank
PO Box 988, Lamar CO 81052
1-719-336-4351
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District D
Ashley Burt, President
Gunnison Bank and Trust
PO Box 119, Gunnison, CO 81230
1-970-641-0320
Byron Maynes, President
First National Bank of Cortez
140 W Main St. Cortez, CO 81321
1-970-565-3781
PJ Wharton, President
Yampa Valley Bank
P O Box 775770
Steamboat Springs, CO 80477
1-970-879-2993
IBC Products and Services Advisory
Committee Chairman
Randy Pieper, CEO
Farmers State Bank Calhan
P O Box 9, Calhan, CO 80808
719-347-2727
2011-2012 Officers and Directors, continued
IBC Advisory Directors
(Non-Voting)
IBC Advisory Board Member
Bill Mitchell, President
Bankers’ Bank of the West
1099 18th Street, Suite 2700
Denver CO 80202
1-303-291-3700
IBC Legal Counsel
Thomas Bieging and John Burrus
Bieging Shapiro & Barber, LLP
4582 South Ulster St Pkwy, Suite 1650
Denver CO 80237
1-720-488-0220
IBC Lobbyist
Mary Marchun
The Capstone Group
1576 Sherman St., Ste. 300
Denver, CO 80203
1-303-594-8198
IBC Education Foundation
Board of Directors
Chairman
Tom Chesney, President
AMG National Trust Bank
PO Box 339, Boulder CO 80306
1-303-473-4860
Michael Bass, President
First National Bank of Hugo
PO Box 158, Hugo CO 80821
719-743-2415
Larry Martin
Bank Strategies
445 St. Paul, Denver, CO 80206
303-618-0056
Kenneth So, President
Premier Bank
2480 W. Alameda Ave.
Denver, CO 80223
303-623-8888
Tammie Lowrie
BKD
1700 Lincoln St, Ste 3400
Denver, CO 80203
303-861-4545
Tennyson Grebenar
Rothgerber, Johnson & Lyons
1200 17th St, Ste 3000, Denver, CO
80202
303-623-9000
CJ Juleff
CJ Juleff & Associates
9356 N. Flower St.
Westminster, CO 80021
303-910-5293
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Kelly Malone, VP
Federal Home Loan Bank of Topeka
PO Box 17840, Golden, CO 80402
303-893-3452
Dave Wade
Lakewood, CO
303-888-1942
Philip J. Randell
CoreFirst Bank & Trust
4600 S Syracuse St, Ste 150
Denver, CO 80237
303-850-3513
Lauren O’Connell
O’Connell Consulting Group
6392 S. Zenobia St, Littleton, CO 80123
303-795-3539
Rocky Levkulich
720-402-0840
experience guidance
1200
clients
Experience direction from a top-tier CPA and advisory firm that has
helped approximately 1,200 financial services clients manage change,
bolster the bottom line, make wise decisions, stay compliant and more.
• Audit
• Internal Audit
• Loan Review
• Tax
• Regulatory Compliance
• Information Technology
Let BKD help you chart a course to success. Learn more at bkd.com
and for the latest insights be sure to visit FinancialReformInsights.com.
Tammie Lowrie, Denver
303.861.4545
Colorado Springs
719.471.4290
21
experience
Three Way Business Loan Consultants, Inc.
Banks-Borrowers-SBA
We can help you with:
SBA Loan Portfolio Review: We will review existing SBA loans to similar standards
used by the SBA Lender Oversight Division. This helps to avoid surprises at
audit/examine time. In a lot of cases, the errors can be corrected.
Loan Packaging: We can handle the entire SBA loan package after the lender has
determined it is a viable credit contingent on the SBA guarantee.
General Consulting: Whether there is an issue prior to a formal application or issues
with submission for payment on the SBA guarantee, and everything in between, we
are available to provide experienced assistance in any case.
Bottom Line: Call us for a solution to your SBA issues. Our staff has experience up
through supervisory levels in both SBA lending and commercial loan experience at
community bank level. We take pride in quick turn around and personalized service.
Web site: www.sbapackaging.com
Mail Address: 10944 Alcott Dr. Denver, CO 80234
Ted R Nelson, Pres.
720-475-1480
Kent Campbell, V.P.
303-519-1885
Micheal Paul, Assoc.
303-332-1429
QUALITY LOAN GROWTH IS POSSIBLE—
EVEN IN THIS ECONOMY
Position your bank for quality growth and profitability with sound lending
strategies. Striking the proper balance between achieving your targeted growth
and originating quality loans requires the development of a disciplined approach.
Bank Strategies LLC has strategic planning clients that have seen the following
YTD growth in loans through September 30, 2011 - Bank A: 8.0%, Bank B: 14.0%, and
Bank C: 14.5%. It requires rethinking lending approaches as part of a comprehensive
strategy.
Larry Martin and his team of banking experts at Bank Strategies LLC will work with
you and your team to develop holistic plans to increase ROE and combat shrinking
profitability. Call Bank Strategies LLC today at 303.618.0056.
22
445 St. Paul | Denver, CO 80206
303.618.0056
[email protected]
bankstrategiesllc.com
COUNT ON US
Focused on improving your business,
the team at Richey May & Co. takes a
comprehensive approach to client services.
We pride ourselves on having an in-depth
knowledge of the specific issues our
national client base of financial institutions
faces every day.
Eric Budreau, CPA, MT
Tax and Banking Partner
As a partner in your success, we use our
knowledge and expertise to help you
achieve longevity and profitability. Below
are some of the unique qualities you will
receive from our Banking Services Group:
The Eide Bailly
Difference
✔ Conservative accounting practices
✔ Professionals with experience
working for Big 4 and national firms
Our clients appreciate personal
service and trusted advice
from our knowledgeable staff.
We apply our experience of
serving more than 500 financial
institutions to each client.
✔ Personal and proactive assistance
✔ Straightforward service delivered
in a timely and accurate manner
✔ Genuine and likeable team
members focused on building
long-term relationships
Call us today to learn about:
Our experienced professionals can assist
you in the following areas:
• Audit
• Tax
• Business Consulting
9605 S. Kingston Ct. Suite 200
Englewood, CO 80112
(303) 721-6131
www.richeymay.com
• Audits & directors’ examinations;
• Tax planning & preparation services;
• Information systems examinations;
• Regulatory compliance; and more.
23
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303.986.2454
w w w. e i d e b a i l ly.co m
Loan Advisory Services to Help You
Manage Your Portfolio and Capital
· Loan Review and Regulatory Compliance
Services
· Loan Workout and Recovery Specialists
www.thecorvusgroup.com | 312.474.9100
Colorado Bank Directory Ad_01.indd 1
Fred L. Otis, Esq.
G. Brent Coan, Esq.
Jennifer L. Peters, Esq.
Michael D. Stewart, Esq.
Brett Payton, Esq.
Shannon D. Lyons, Esq.
Michael C. Payne, Esq.
Greeley:
The Doyle Building
1812 56th Avenue
Greeley, CO 80634
Kay L. Collins, Esq.
Daniel W. Jones, Esq.
Charles M. Shoop, Esq.
Sara K. Stieben, Esq.
Jenna Seigel, Esq.
Angelina M. Robinson, Esq.
K. Michelle AmRhein, Esq.
Fort Collins:
103 W. Mountain Ave.
Suite 2B
Fort Collins, CO 80524
For more information about our
lawyers or practice areas, please visit:
www.nocolegal.com
· Bank Advisory and Capital Solutions
11/20/11 9:32 PM
Otis, Coan & Peters, LLC, represents banks, financial institutions and other lender/creditor clients in a wide
range of finance transactions, including commercial, real estate, acquisition financing, and debt restructuring.
We are well equipped to provide prompt, sophisticated documentation to lender clients for a wide range of
credit transactions. Our clients are generally institutional lenders, other secured and unsecured creditors, and
buyers and sellers of debt.
Our experienced creditors' rights attorneys can assist you in structuring and enforcing your rights in secured
commercial transactions, and provide aggressive representation on your behalf in both federal and state courts
throughout Colorado, Nebraska, Arizona, and California for actions involving:
-Breach of Contract
-Replevin
-Receivership
-Bankruptcy
-Real Property Leasing Issues & Eviction
-Judicial Foreclosure
-Commercial Loan Default
-Guaranty Enforcement
-Mechanic’s Lien Issue
-Lien Enforcement
-Lender Liability Issues
-Title Disputes
-Equipment leasing issues
-Trust Issues
-Real Estate Transfers
-Covenants & HOA issues
-Collection and Enforcement of Domestic and Foreign judgments
Our attorneys can also handle a wide variety of other issues
outside the courtroom including, but not limited to:
-Public Trustee Foreclosures
-OREO issues, including sales contracts, correction of defective
owner association regimes, entitlements, and land splits
-Loan Documentation Drafting and Review
-Loan Workouts
24