April 25, 2018

In This Issue: 
  • Republicans Keep Control Of State Senate, Despite Democrat Wins
  • Welcome to IBANYS' Newest member: North Country Savings Bank
  • Sign The ICBA Petition Urging House Passage Of S.2155 Reg Relief Bill!
  • News On Upcoming IBANYS Meetings & Upcoming Webinars
  • NEW DATES For IBANYS' H.R. Conferences
  • Follow IBANYS On Facebook, Twitter, LinkedIn and Instagram!

Message From the President
John Witkowski, President & CEO
There Are Some Things I Want You To Know About. . .

Let me start off by welcoming our newest IBANYS member bank: North Country Savings Bank. Headquartered in Canton, New York, it also has locations in Potsdam, Ogdensburg and Massena and a lending office in Malone. North Country Savings Bank is truly a community bank. Its customer-based and community-driven model has helped serve a variety of customers throughout St. Lawrence County for over a century. We're pleased to add North Country to our IBANYS family, and look forward to working with President & CEO Theresa Phalon and her team.

Now, let me update you about three upcoming IBANYS events.
  • Our next IBANYS Board of Directors Meeting will take place on May 9th at noon at the Watkins Glen Harbor Hotel in Watkins Glen, NY.  This meeting will follow the Bank Executive Symposium Conference that starts on Monday, May 7th and continues through Wednesday, May 9th. We continue to see positive momentum with our conferences, our associate membership and attracting new member banks. We still have work to do but we see progress being made. I hope you will be able to join us for the Symposium, and that all our directors can be at the board meeting to follow.
  • I also want to highlight that IBANYS and T. Gschwender are once again co-hosting our Lending Conference in Rochester, NY on June 5-6.  This conference has been a great place to learn about the issues facing commercial lending and commercial real estate lending. It will also cover such important and timely topics as CECL and a loan review process for lenders, portfolio managers and analysts. We will also provide insight into digital lending platforms and software programs that can help banks become more efficient in small business and SBA lending. I hope you will pass this invitation along to your commercial, mortgage, small business and consumer lending teams within the bank. To see the brochure and to register, click here and for sponsorship opportunities click here.
  • There are new dates for IBANYS Human Resource Conference! Due to scheduling conflicts, the meetings dates have been changed from April 24 in Rochester and April 25 in Troy to June 12 in Rochester and June 13 in Troy.  The updated brochure and registration information is attachedAs you all know, Human Resources plays a significant role in each of your banks and in all financial services. Our one-day conferences in Rochester and Troy will cover the important topics that all HR Departments face, including sexual harassment, FMLA, FPL, talent acquisition and retention, benefits, identity theft, and more. Our agenda is packed with qualified speakers who will share their knowledge and expertise on each of the issues listed above. I strongly encourage that you pass this email along to your HR directors and those in supervisory roles, and urge them to register for the one-day conference closest to your bank, either in Rochester or Troy. Please contact Linda Gregware at 518.436.4646, or me at 716.880.0518. To look at the brochure, click here and to register, click here.
Key Issues On The Government Relations Front: In Washington

Three weeks ago, ICBA launched the Community Bank Regulatory Relief Petition. The 
goal is to gather ten thousand + signatures from community bank employees, directors, 
and customers under a letter that urges the House of Representatives to immediately pass S. 2155 the Economic Growth, Regulatory Relief and Consumer Protection Act.  ICBA is 
very close to meeting and exceeding that goal, and IBANYS would like to ask for your assistance to help get over the top. Please review the information below, and also in the Government relations section of today's newsletter, and sign the petition . Please also reach out to your bank's directors, employees, and even customers to sign the petition too.
It is also very important that your Representatives continue to hear directly from you about the vital importance of providing meaningful regulatory relief for community banks. That means approving S.2155, the reg relief bill passed by the Senate with bipartisan support, "as is" without amendments that could jeopardize Senate support and delay or end the best opportunity for relief since Dodd-Frank was enacted in 2010. 
  • Click here to read IBANYS' letter to New York House Members. 
  • Click here to access our federal legislative priorities one-page card, and call or email your Represenbtatives. We need you to reinforce what we told them this week.  
In yesterday's  special elections in Albany, Democrats won races to fill vacant state Senate seats in the Bronx and Westchester County. That gave them 32 registered Democrats in the 63-seat chamber. However, Republicans will still control the chamber because one of those 32 registered Democratic senators, Simcha Felder (D-Brooklyn) announced he will still vote with the Republicans through the end of the current legislative session. This should mean that Republican committee chairmanships stay in place, including the recently named Banks Committee Chair Elaine Phillips (R-L.I.) 
  • Legislatively, the Assembly is considering two credit union bills that would allow them to accept state deposits under the Business Development Districts program. IBANYS helped defeat both bills last year, and will strongly oppose them again. 
  • Meanwhile, the State DFS and Governor Cuomo are advising financial institutions to "review any relationships they may have with the National Rifle Association and other similar organizations, and encouraged them to consider whether "such ties harm their corporate reputations and jeopardize public safety."  State Comptroller DiNapoli has also written to several banks and credit card companies about reviewing policies on firearms and ammunitions transactions to address possible reputational harm in allowing such transactions.
And, Remember All Of These Other Upcoming IBANYS Meetings!
As always, thank you for your support of IBANYS and all you do for community banking.

Remember: IBANYS is YOUR association. Make it work for you!

- John

Follow IBANYS On Social Media!

Have you found and followed IBANYS on social media yet? Connect with us today!


Facebook: @ibanys1 | Twitter: @ibanys1

Instagram: @ibanys1 | LinkedIn: @ibanys

2018 Meetings

Bank Executive Symposium

May 7-9, 2018
Watkins Glen Harbor Hotel
16 N. Franklin Street
Watkins Glen, NY 14891

Human Resources Conferences

June 12, 2018                    June 13, 2018
  Hilton Garden Inn                   Hilton Garden Inn
Rochester                                     Troy
800 Pittsford Victor                 235 Hoosick Street
Pittsford, NY 14534                   Troy, NY 12180


Lending Conference

June 5-6, 2018
Woodcliff Hotel & Spa
199 Woodcliff Drive
                          Fairport, NY 14450                              

Security Conferences

       June 19, 2018                 June 20, 2018
      Hilton Garden Inn                Hilton Garden Inn
     Rochester/Pittsford                          Troy
     800 Pittsford Victor              235 Hoosick Street
     Pittsford, NY 14534                Troy, NY 12180


Annual Convention

September 25-27, 2018
Hilton Albany
40 Lodge Street
Albany, NY 12207


Member banks:  Share this information  with your senior management teams, officers, directors, compliance, security and human resources  officers.  Preferred providers, associate members and business show exhibitors : Now is the time to plan to attend, participate, sponsor/exhibit.  Contact Linda Gregware: Lindag@Ibanys.net 

New Feature!
Spotlight Bank of the Week

Spotlight Bank of the Week is a new feature that we are adding to our website and e-newsletter. It is an opportunity to promote anything about your organization, such as fun facts, organization news, special events, etc. The Spotlight Bank of the Week will be featured on our homepage slider, e-newsletter, and our social media platforms for one week. So don't miss out on this exceptional opportunity to showcase your bank to thousands of people!

To apply, just fill out our registration form and email it to Natalie Rowan at natalier@ibanys.net.

IBANYS Education/Webinars
IBANYS Webinars

IBANYS' webinars provide timely, informative sessions on important topics and issues of interest for community bankers. They are valuable not only for their content, but for their convenience. Participants can take part from the comfort and privacy of their offices, without leaving the bank.
Our  Webinar Series offers many topics in the following categories:
  • Audit & Accounting
  • Collections
  • Compliance
  • Directors
  • Frontline & New Accounts
  • Human Resources
  • Information Technology
  • IRA
  • Lending
  • Operations
  • Security & Fraud
  • Senior Management
We are always adding more programs based on needs and requests of our members,
who drive our focus!  Take a look at the various series of webinars we offer by clicking each of the links below.

Community Banking Month Special

Celebrate Community Banking Month with a  FREE WEBINAR

Buy any  2 webinars and get a coupon code for  1 free until May 31st


Pricing starts at $230

  • 90 minutes of industry-leading webinar training
  • Take-away toolkit with supplemental materials, training log, and a knowledge-check quiz
  • Live and recorded options to view at your conveience
  • Viewable on desktop, mobile, or tablet

Add two webinars to your cart. Before completing your order enter "Send my free webinar code!" in the Comments box. A coupon code for your free webinar will be emailed to you within one business day. Choose your webinars here.

*Not applicable for full Series orders

Government Relations
  Felder Decision Means GOP Keeps Control In Senate
Despite Democratic Victories In Yesterday's Two Special Elections
Yesterday's special elections included races to fill vacant seats in the Bronx and Westchester County in the State Senate -- and Democrats won both. Together with the recent agreement reuniting the chamber's regular Democrats with the former eight members of the Independent Democratic Conference (IDC) -- ending the governing coalition between the GOP and the IDC -- the election results was expected to give Democrats their best opportunity to gain majority control in the State Senate in years. That
Sen. Simcha Felder (D-Brooklyn)
would have a significant impact on policies and legislation in Albany -- beginning with the likely replacement of Republican committee chairmanships, including the recently named Banks Committee Chair Elaine Phillips (R-L.I.) However,
  Brooklyn Democratic Senator Simcha Felder, who has caucused with Senate Republicans since 2012, announced before the results were in that he will stay with the GOP regardless of the outcome. With yesterday's two wins, Democrats now have elected a numerical majority in the 63-member chamber.  However, 
Sen. John Flanagan (R-Long Island)
Felder's decision means the GOP will 
retain control at least until the end of the current legislative se ssion (scheduled to adjourn June 20). He holds the critical 32nd vote needed to pass legislation. Senate GOP Leader John Flanagan (R-Long Island) will  continue as Majority Leader, and
Sen. Andrea Stewart-Cousins (D-Westchester)
Democratic Leader Andrea Stewart-Cousins (D-Westchester) as Minority Leader. Senator Felder said he would be open to revisiting the issue after the session. 
"With only 25 days remaining in this year's legislative session, I believe it is my obligation to prevent an unprecedented and uncertain late session political battle that will only hurt my constituents and New Yorkers. Political gamesmanship must not be allowed to jeopardize the leadership, committee structure and staff of the New York State Senate and push this institution into turmoil."  A spokesperson for Gov. Cuomo, who helped broker the recent Senate Democratic reunification with the IDC, noted: "The Governor's position is clear: Democrats must unify to take back the majority. This conversation will continue." Without Felder's vote, Senate Democrats would need to flip at least one more seat this November to gain a governing majority.
Sen. Luis Sepulveda (D-Bronx)
In yesterday's election, 
Democrats elected two
Sen. Shelley Mayer (D-Westchester)
new  senators Luis  Sepulveda won the  Bronx seat vacated by Ruben  Diaz, Sr. and Shelley Mayer won the Westchester seat vacated by George Latimer. There were also nine vacancies filled in the Assembly
. Democrats flipped a long-held GOP seat in the 10th A.D. on Long Island. Republicans held three other seats in the 5th and 17th A.D. on Long Island, and apparently held seats in the capital district region (102nd and 107th A.D.). Democrats held 3 seats in NYC (39th, 74th and 80th A.D.) and in Erie County (142 A.D.). 

On the state legislative front, the Assembly is considering two credit union bills. A.6949B (Zebrowski)/S.6700 (Hamilton) would permit federal and state chartered credit unions to accept State and Local deposits through the BDD program (a program currently available only to banks and thrifts). The bill is on the floor of the Assembly, but has not yet moved in the Senate. Meanwhile, A.10232 (Jean-Pierre)/ S.7100 (Kavanaugh) would allow low income credit unions in New York City to accept municipal deposits for the BDD program only. It is was on the Assembly Banks Committee agenda this week, but also has seen no movement in the Senate.  IBANYS was successful in defeating these initiatives last year during the 2017 legislative session, and opposes both bills this year as well. We stress that it would be inappropriate for credit unions, which pay no taxes, to have the additional ability to accept taxpayer deposits. Each year, it becomes a bigger challenge to beat back these efforts by the credit unions. They are extremely well funded and aggressively engaged on the political action front. A Democratic-controlled State Senate to work with the Democratic Assembly and Governor's office could spell even bigger challenges.

On the state regulatory front, Governor Cuomo and the State Department of 
Financial  Services (DFS) sent a guidance letter (see attached) regarding their business relationships financial institutions and the NRA and/or its affiliated firms. It urged state  chartered banks, insurance companies, and other financial services companies licensed in New York to "review any relationships they may have with the National Rifle Association and other similar organizations, and encouraged them to consider whether "such ties harm their corporate reputations and jeopardize public safety." State Comptroller DiNapoli also had written to several banks and credit card companies urging them to review policies on firearms and ammunition transactions to address possible reputational harm in allowing such transactions.


Washington, D.C.
IBANYS Members: Sign The Reg Relief Petition Today 
-- And Ask Your Customers To Sign It Too!

Three weeks ago, ICBA launched the Community Bank Regulatory Relief Petition. The goal is to gather ten thousand + signatures from community bank employees, directors, and customers under a letter that urges the House of Representatives to immediately pass S. 2155 the Economic Growth, Regulatory Relief and Consumer Protection Act.  We are very close to meeting and exceeding that goal. Your assistance can help push us over the top. Please review the information below and to sign the petition. Please also reach out your directors, employees and customers to sign the petition too. 
IBANYS and ICBA are urging urging the House of  Representatives to immediately pass  substantial community bank regulatory relief.  After  the Senate's strong bipartisan passage of S. 2155, community banks now need to continue the momentum so that meaningful relief is not derailed at the last minute. We ask all New York community bank officers, employees and board members  to join this important petition drive --  and to enlist customers and community banking allies as well. President Trump has pledged to sign S. 2155 into law, so community banks cannot afford further delay or inaction. 

There are reports that the bill to provide community banks with regulatory relief remains stuck, as House and Senate lawmakers remain conflicted over whether to add additional provisions to S.2155, the Senate effort. Members of the Senate Banking Committee are firm that no further measures should be added, and are concerned that would jeopardize the bipartisan agreement in the chamber, where the bill received 67 votes. Please sign the petition and urge your Congressional Representatives to support S.2155 as is.

Latest On Credit Unions' Tax Exemption

ICBA has expressed support for Senate Finance Chairman Orrin Hatch's (R-UT) call for large credit unions 
Sen. Finance Chairman Orrin Hatch (R-UT)
to report financial information required of other tax-exempt institutions. His proposal  followed the acknowledgement by National Credit Union Administration Chairman Mark McWatters that the industry's fund insuring credit union deposits would be at risk without taxpayer subsidies and would create a "safety and soundness issue" at the industry's Share Insurance Fund, raising questions about the management of the fund and concerns about the growth of the credit union industry.

Update On Beneficial Ownership Rule

ICBA called on the Financial Crimes Enforcement Network to delay by one year the implementation of a rule requiring community banks to identify the individuals that own controlling interests in their corporate or business customers. FinCEN issued frequently asked questions on the beneficial ownership rule just one month before the May 11 compliance deadline. FinCEN published its customer-due-diligence final rule in May 2016. The FAQs released earlier this month include important information as community banks develop policies and procedures to comply. Federal banking regulators have not yet incorporated the final rule into their exam manual, leaving banks without the appropriate tools to ensure full compliance. A one-year extension would give regulators time to finalize their preparations, and  allow financial institutions and third-party vendors to fully prepare for the rule, train staff, and update and test systems.
Action Alert

Call Or Email  Your Local Representatives: 
Tell Them To "Vote For Community Banks" By Passing S.2155 

The bipartisan Senate regulatory relief bill (S.2155), has been approved by the U.S. Senate 67 votes affirmative votes. T he action now moves to the House of Representatives. The challenge now is to urge the House to approve the Senate legislation as is, without adding any amendments that would jeopardize the bipartisan support demonstrated in the Senate, where 16 Democrats joined their Republican colleagues in voting for the measure.  IBANYS is conducting a grassroots outreach effort with the New York House delegation. To email or call your Representatives, click on the links below:

We have written to each member, but we need YOU to contact your local Representatives. Call their district offices while they are home for the two-week recess beginning this weekend. You can also visit www.icba.org and use their "Be Heard" grassroots site to tailor your messages.

Industry Trends & Updates

. . .On Taxes, Unemployment, Home Prices/Sales 
& Consumer Confidence
  • According to a new poll by Morning Consult/Politico, the number of voters reporting paycheck increases as a result of the federal tax law enacted in December has declined in recent weeks, and there is increased opposition to the revised tax code. Fifty-five percent of those surveyed April 19-23 said they have not noticed a boost to their paychecks in the last several weeks because of the tax overhaul, 22 percent said they have seen an increase and 23 percent said they didn't know.
  • The unemployment rate in New York State rose from 4.7 percent in March of 2017 to 4.8 percent last month, according to the State Labor Department. The national unemployment rate fell to 4.1 percent, from 4.6 percent in March last year.
  • Home prices rose 6.3 percent in February from the same time last year, up from a 6.1 percent gain in January, according to the Case-Shiller national index.   
  • New-home sales rose 4 percent in March, and were up 8.8 percent from a year ago, according to the U.S. Commerce Department. 
  • Consumer confidence increased in April, as the Conference Board's Consumer Confidence Index rising to 128.7 from 127.0 in March.

Online Lending in New York State:
Share Your Views, Comments and Stories

The New York State Department of Financial Services (DFS), in consultation with stakeholders, including online lenders, consumers and small businesses, is studying the practices, economic impact, and operations of online lending in New York State, and will be issuing a public report with recommendations to the state legislature by July 1, 2018 The  report will include, among other topics, information about online lenders operating in New York and their business practices, including lending practices, interest rates and costs charged, and consumer complaints and investigations about the industry.  It will also include an analysis of the primary differences between online lending products and services and those of traditional lending institutions doing business in New York, the risks and benefits of the products offered, other forms of credit that would be available to such borrowers in the absence of online lending opportunities, the types and availability of credit products for individuals and businesses, and access to capital by consumers in New York State. DFS  is in the process of gathering information from various stakeholders and the public and would like to hear from you. If you would like to share your views, comments or stories on any of these aspects of online lending, please send them to us through the following link by no later than May 24, 2018.  Submit a Comment:  OnlineLending@dfs.ny.gov

Do Credit Unions Still Warrant A Tax Exemption?

 An American Banker article, part of a series, asks and examines the question, and analyzes the current situation and history of the exemption. Click here to read the article.

Banking News
Online Lending

Excelsior Growth Fund (EGF) is NYBDC's nonprofit Community Development Financial Institution and IBANYS' exclusive online lending partner. Their  mission is to help businesses in New York, New Jersey and Pennsylvania grow by providing small business loans and advisory services. As a nonprofit organization and a U.S. Treasury-certified Community Development Financial Institution  (CDFI) , they're a responsible lender you can trust. Their  products are affordable and flexible, and their advisory services can help you reach your business goals. Their signature product, the EGF SmartLoan™, provides up to $100,000 through a streamlined online platform.  Loans are approved in 1-2 days and funded in a week.  For more details, please visit: http://excelsiorgrowthfund.org/egf_smartloan/ 

Spotlight Bank of the Week

If your financial institution is called a "savings bank," it has probably seen its fair share of history. The very notion of a savings bank is a relic from a time when banks were limited to one or two services. Although these regulations were repealed in the mid-1900s and banks could expand the services offered, many savings banks retained their original names in the interest of the community they served. Watertown Savings Bank is one such institution, where community has mattered for 125 years.

Watertown Savings Bank- 1893
In 1893, a small group of Watertown residents decided they would build a financial institution to benefit the community. This group, composed of prominent businessman and successful professionals in the area, was beginning to see Watertown flourish and recognized the need for a reliable local bank.

The bank was, and still is, structured as a mutual savings bank with a board of trustees and no stockholders. A brief look at the original list of trustees provides a snapshot of local commerce and politics around the turn of the century. Among the list are two paper manufacturers, a produce dealer, a former lieutenant governor, a city mayor and a local jeweler. The snapshot is brought more into focus with a look at the original operating hours. In addition to weekday hours, the bank was also open from 5:00 to 8:00 P.M. on Saturdays. This was done to accommodate the mill workers and factory employees, who could only make it to the bank on Saturday  evenings after a six-day workweek.
Watertown Savings Bank- 1921

The formative years of Watertown Savings Bank were proving fruitful, so much so that the bank moved into a new space in 1921. The new location, four times the size of the original office, was located at the top of Public Square and provided a hub for the hard-working local customer base. At this time, after only 28 years of operation, the bank had seen a growth of over $4 million in assets. Profits only increased in the decades to follow.

In 1959, the bank was once again in need of a larger facility and purchased two properties
Watertown Savings Bank- 1960
to facilitate the construction of a new office building. The new office opened a year later with 30 employees and $32 million in assets. A handful of our current employees started out at this now razed building, and they stayed because the bank cares as much about its employees as it does its customers.

Quality customer service is at the heart of what Watertown Savings Bank stands for and it is the reason customers continue to visit our branches. Bank President & CEO Mark R. Lavarnway said, "we have found that providing the highest level of personalized and community support offers many benefits which are often superior to our competitors. We understand our local economy and the diverse banking needs of our community."

This year, Watertown Savings Bank celebrates 125 years of service in the North Country. With 125 employees, $660 million in assets and a total of nine branches in Jefferson 
Watertown Savings Bank- 2018
County, the bank built to serve the Watertown community is still thriving. It currently retains the largest deposit market share in the county and has been recognized as the top mortgage and commercial lender. The Bank's accomplishments do not stop at the county level either. It has been awarded the Top SBA Small Community Lender six times. Last year, Banking New York magazine named Watertown Savings Bank as the Top Community Supporter in New York State. In 2017 alone, we proudly donated over $335,000 to local non-profits and charitable organizations.

Our name and our mission have stayed the same since 1893. The nature of the banking industry demands that a bank evolve and adapt to stay relevant, but this is no small feat. Evolve too much and you risk losing your loyal customers, fail to adapt and you lose your ability to form new customer relationships. Watertown Savings Bank has found the right balance. Mr. Lavarnway points out "We have evolved with the times in terms of products and services, but we have maintained that same culture of local management, local decisions, and local support." An emphasis on local support is the reason we opened our doors 125 years ago and it is the reason they are still open today.

To learn more about Watertown Savings Bank and its products and services, please visit www.watertownsavingsbank.com.

IBANYS Spotlight Is On...

The Kafafian Group is a finance, strategy, and operations consulting firm specializing in performance management, profitability outsourcing, strategic and business planning, regulatory assistance, profit/process improvement, board and management advisory services, and investment banking advisory services.

Contact: Robert E. Kafafian, President & CEO (973) 299-0300, rkafafian@kafafiangroup.com.
IBANYS Endorsed Services

IBANYS identifies offers products and services that provide value to your banks, companies, employees communities. These brief summaries provide links for information. Please contact IBANYS President John Witkowski with questions.

Health & Wellness

My Wellness Resource & TELADOC

The health and wellness landscape continues to evolve. "My Wellness Resource" can be a nice addition to your existing benefit package. 

Teladoc can save your banks time and money, and provide real value to your employees as this testimonial from a New York community bank CEO proves:
"I wanted to let you know that some of our employees and I have been using "Teladoc" and it is one of the best things we have done for the bank. We all love it: We are saving time, avoiding waiting in an urgent care center or a doctor's waiting room for non-emergency related illnesses . . .and it is easy to use and convenient. Once you use it, you are hooked! This was a great find! Would recommend it to all banks."

Mario Martinez 
Chairman & CEO
Catskill Hudson Bank

Contact Alan Justin: (716) 907-5500. 

"Cure the Blue" Helps Banking Industry Battle Prostate Cancer!

The "Cure the Blue" program sponsored by the Buffalo Bills Alumni Foundation allows New Yorkers to participate in one of the most comprehensive efforts to help promote prostate cancer awareness and research in the United States.  Lake Shore Savings Bank has provided prostate cancer literature and Cure the Blue information at all eleven of its branches and their headquarters in Dunkirk. The bank also offered Cure the Blue ceramic lapel ribbon pins for a $5.00 donations to Cure the Blue to all their customers. "We fully understand the severity of this disease and the devastating effect it can have on families" said Lake Shore Savings Bank President and CEO Dan Reininga. "Our support of the Buffalo Bills Alumni Foundation's "Cure the Blue" initiative is something that we are taking very seriously and are proud to support." Buffalo Bills Wall of Famer and Alumni Foundation President Booker Edgerson, a two time prostate cancer survivor, said the bank has been a tremendous longtime supporter, noting: "They have really stepped up to the plate with their unwavering support of our Cure the Blue initiative." 

IBANYS urges all of our member banks, associate members and allies to join the effort. Cure the Blue" raises funds and awareness regarding prostate cancer in New York State. Visit  curetheblue.com  to get involved! Of all new cancer cases in the nation, prostate cancer represents 9.6%. In 2017, there were an estimated 161,000 new cases, and more than 26,000 fatalities due to the disease. Support IBANYS' "Cure the Blue" campaign to help New Yorkers participate to promote prostate cancer awareness and research.

Secure. Enhanced Internet Presence

The .bank program by fTLD operates trusted, verified, more secure, easily-identifiable internet locations for financial companies and customers. www.icba.org 

Did You Know?

. . .That s ince  World War II , Democrats have only controlled the New York State Senate twice: In 1965, after the  1964 Johnson-Goldwater Presidential Election (they  lost the majority in  special elections later that year), and after  the  2008 Obama-McCain election.  ( In mid-2009, dissatisfaction by some Democrats resulted in Democratic Senators joining with the entire Republican caucus to install Republican Dean Skelos  as Majority Leader, but Democrats regained control in late July for the rest of the 2009-2010 session.) Republicans recaptured the majority in the 2010 elections. Democrats have held the majority in the State Assembly continuously since the 1974 "Watergate" election.
New York community banks play a key role in our state and local economies. Help spread the good news among our customers, business, elected leaders and the media!

John J. Witkowski
President & Chief Executive Officer

Stephen W. Rice
Director of Government Relations & Communications

Linda Gregware
Director of Administration & Membership Services

William Y. Crowell III
Legislative Counsel

Natalie Rowan
Marketing & Social Media Assistant
Connect With Us!