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Message From the President
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John Witkowski, President & CEO
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Summer's Home Stretch Leads To Busy September At IBANYS!
As we move into the second half of August, it is a reminder of how fast the summer is going -- and, of how soon we will all be gathering in Albany at
IBANYS' 2018 Annual Convention September 25 - 27.
The Convention is filling up fast, but there is still time to register for this signature conference
centered in the legislative capital of NYS, packed with exciting speakers, our trademark exhibitor tradeshow, and the PAC Silent Auction.
The
2018 IBANYS Convention brochure
contains all the important details you need, from program details to registration forms. Included are specifics about dress attire, hotel booking, dinner choices, and convention schedule.
Now is the time to grab sponsorships and trade show booths, as they are going quickly. We have a limited number of sponsorships and exhibit booths remaining, and both will be based on a
first-come, first-served basis.
We're also bringing back some popular program favorites to this year's convention:
- Our PAC Silent Auction. This popular convention feature is the perfect opportunity to showcase items from your region, while contributing to an essential committee that focuses and advocates for community banks in NYS legislative affairs.
- Our six-minute drill, which offers our preferred partners the opportunity -- from the podium -- to take a brisk six minutes and showcase their firms' products and services, demonstrating what they can do to help New York community banks.
We also have an impressive array of speakers who will address timely and relevant issues within the community banking world. Speakers include Maria Vullo, NYS DFS Superintendent, Susan Powell Byrd, CEO of Westover Strategy, Inc., and Rebeca Romero Rainey, the dynamic new President & CEO of the Independent Community Bankers of America (ICBA).
Now is the time to sign up. Whether you're attending for one day or three, you know that our Convention will be exciting and informative. Don't miss your chance to network while also earning up to 12.5 CPE credits. So don't delay, get your information in today!
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ICBA is collecting stories from community bankers on how the passage of S.2155, "The Economic Growth, Regulatory Relief and Consumer Protection Act," has helped both their banks and local communities. You can share your story by visiting
www.icba.org and going to the "Passage of S.2155" resource center and utilize the form to share your experience on how this new law has helped your bank free up capital and increase lending.
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August Is The Perfect Time To Meet With Your State & Federal Legislators
In The District
 The New York State Legislature adjourned for the year and not scheduled to return to Albany until January 2019. The House of Representatives remains on August recess. That means your state and federal legislators are back in the districts, and available to meet with you to hear your thoughts and concerns. With so many important issues still outstanding, it's an opportune way to meet with your State Senators, Assembly Members, and Congressional Representatives to remind them how vital community banks are to our local and state economies.
Call their district offices to schedule a meeting. Better yet, invite them to visit you in your banks! Learn how to invite your local members of Congress to visit you.
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Of course, we are busy on a number of other fronts as well, from monitoring federal and state activities. . .to continuing to provide important educational opportunities through our webinars (and those offered by some of our key partners and allies). . .and much more.
Please feel free to call or email us with any questions you have on any of the information in today's newsletter -- and enjoy the rest of your summer!
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
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Follow IBANYS On Social Media!
Have you found and followed IBANYS on social media yet? Connect with us today!
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2018 IBANYS Annual Convention
September 25-27, 2018
Hilton Albany
40 Lodge Street
Albany, NY 12207
Hotel Information
A block of rooms has been reserved at the Hilton Albany. Reservations can be made by the following:
Arrival Date:
September 25, 2018
Departure Date:
September 27, 2018
Refer to Group Code:
1IBANY
Phone:
1-866-691-1183
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Member banks:
Share this information
with your senior management teams, officers, directors, compliance, security and human resources officers.
Preferred partners, associate members and business show exhibitors:
Now is the time to plan to attend, participate, sponsor/exhibit.
Contact Linda Gregware at
[email protected] or at (518) 436-4646.
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Maeve McEneny-Johnson
Education & Heritage Coordinator
Albany Visitor Center
Maeve McEneny-Johnson is the Education and Heritage Coordinator at the Albany Visitor Center. She is a 7th generation Albany descendant and lifelong resident. She graduated from Siena College in 2006 with a degree in English-Education and received her Master's in English at the University at Albany in 2014. She has been a tour guide of the City of Albany for 10 years and is the author of several original tours, including Albany's first Literary Pub Crawl and The Original Albany Ghost Tour. She will be our Convention Keynote Dinner Speaker on Tuesday, September 25.
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Show Your Support At Our PAC Silent Auction!
Wednesday, September 26, 5:30 to 7:15 p.m.
Our PAC Silent Auction is back! This popular convention feature is the perfect opportunity to showcase items from your region, while contributing to an essential committee that focuses and advocates for community banks in NYS legislative affairs.
The PAC contributes to New York State candidates and officials who understand and support the vital role community banks play in our local and state economies, as well as our communities.
Donate a gift today! View the PAC Silent Auction form to learn more or to submit an item.
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Sponsorships & Booths Are Going Fast!
16 booths have been sold and 11 sponsorships are gone, but there is still time to demonstrate your support for community banking by becoming a sponsor or exhibitor at our Annual Convention!
Sponsoring an event provides your company an opportunity to be recognized and enhances the visibility of your organization to attendees. Our Convention has various sponsorships available, including bronze silver, gold, and platinum sponsorships. Page 9 of our Convention brochure lists sponsorships available and what is included.
Our Convention Trade Show puts your company and its products/services at the forefront with consumers and potential business prospects, while also providing something that is unmatched in today's digital age: face-to-face interaction. IBANYS' exhibitor tradeshow begins Tuesday, September 25 at 5:30pm and concludes Thursday, September 27 at 11:00am. Exhibitor registration and tradeshow details can be found on page 10
of the brochure, while you can view the booth floor plan and exhibitor kit on our website.
These two important opportunities give your organization a chance to both present your firm's products/services and show your support for community banking while networking with individuals who all value one common thing: the power of community banking.
Please take a moment to carefully review, and act soon to secure both your exhibitor booth location for the trade show and the event/activity you wish to sponsor.
Please note:
Both will be assigned on a first come, first served basis.
As always, thank you for your support and participation.
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Don't miss any Convention news. Follow us today!
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Spotlight Bank of the Week
Spotlight Bank of the Week is a new feature that we have added 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!
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IBANYS Education/Webinars
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IBANYS Webinars
Are you participating in IBANYS' webinars? Your peers are! They provide timely, important information on subjects of interest to New York community bankers. They are valuable not only for their content, but for their convenience. Take part from the comfort and privacy of your office, 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.
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FREE WEBINAR: ICS & CDARS
What the New Law Means for Banks
Thanks to the newly signed regulatory relief bill, most reciprocal deposits are no longer brokered. This comes as banks face intense and increasing competition for deposits.
Join Us for a Webinar
Join Promontory Interfinancial Network-- the nation's leading provider and inventor of reciprocal deposit placement services-- for a free webinar that outlines key provisions of the new law and the impact ICS®, or Insured Cash Sweep®, and CDARS® can have on banks' balance sheets. The webinar will also cover how banks can use ICS and CDARS to capitalize on the opportunities at hand; presenters will discuss cost-effective ways to use the services to attract high-value relationships (even as deposit competition intensifies) and to lock-in more low-cost funding (even as interest rates continue to rise.) This webinar is a "must" for decision-makers at banks of all sizes, especially for community banks that utilize collateralized deposits and/or listing services.
Choose a date and time that works for you!
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Presents a
Complimentary Recorded Webinar for
Our Valued Webinar Participants
GDPR: WHAT IS IT & SHOULD YOUR
FINANCIAL INSTITUTION BE CONCERNED?
GDPR is a hot topic! The General Data Protection Regulation is the European Union's new data protection and privacy regulation that became effective May 25, 2018. Although these EU rules were developed a continent away, don't underestimate how they might affect you.
Privacy is a fundamental human right under the EU Charter. GDPR is intended to protect EU residents' data privacy rights even outside the EU. Mandatory compliance may be closer than you think. A few states have introduced similar legislation and others are following suit. This free webinar will explain how to analyze when and how your institution will be affected by GDPR, and how it differs from your existing privacy rules.
Click the image below to access this complimentary webinar.
This free webinar is available until December 31, 2018.
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QuickBooks Webinar Series: Tools to Evaluate Your Company's Financial Health
August 15 & August 22, 2018
Presented by Excelsior Growth Fund (EGF),
an NYBDC Affiliate
New to owning a business? Excelsior Growth Fund is offering a two-part training series on QuickBooks for small business owners.
QuickBooks can help run your business efficiently, by organizing all of your financial information in one place. In this free, two-part webinar series, EGF's expert advisors will cover the basics of QuickBooks and how small businesses can take advantage of all the program has to offer, including managing your invoices and bills, keeping track of your inventory, payroll functions and more. S
peakers include
Paola Garcia,
Assistant Vice President of
Excelsior Growth Fund, and Alek Marfisi, Founder and Owner of
Upwind Strategies.
Running your small business has never been easier, so don't waste valuable time sifting through papers. Learn everything there is to know about QuickBooks and save time! Sign-up for the webinar today:
http://bit.ly/2Az51v4
.
Questions? Contact Laura Kozien, Vice President & Director of Marketing with NYBDC/Excelsior Growth Fund/The 504 Company at: (646) 465-8180 or [email protected].
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Comptroller: Sales Tax Revenue Up In Most Counties
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Thomas DiNapoli
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State Comptroller Thomas DiNapoli stated that a significant number of local counties saw increases in sales tax revenues during the first half of this year. During the first six months of 2018, sales tax collections grew in 54 of 57 counties outside of New York City, according to a report this month by State Comptroller Thomas DiNapoli. It was also reported that local sales tax revenues statewide for the first half of 2018 were $8.5 billion, a 6 percent increase over the same period last year. The result was the highest half-year increase since 2010 and the fourth consecutive period of strengthening local sales tax collections.
DiNapoli's report said a major factor affecting sales tax revenues at the local level was the amount generated from the sale of motor fuel, which increased by 13.9 percent from the first half of 2017 -- the third consecutive half-year increase. Other factors included the decline in the statewide unemployment rate for June 2018 to 4.5 percent, the lowest in more than a decade, and the fact that wage growth during the first half of this year has been steady overall, with spending up slightly and tourism remaining strong throughout the state.
DFS Reminder On Cybersecurity Compliance Effective Date
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Maria Vullo
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New York State Department of Financial Services (DFS) Superintendent Maria Vullo recently issued guidance reminding DFS-regulated entities of the
cybersecurity regulation
compliance effective date. As of September 4
th
, regulated entities will be required to have commenced mandatory annual reporting to the Board regarding critical aspects of the cybersecurity program, and have policies and procedures in place to ensure "the use of secure developments practices" and data retention. The DFS guidance also noted that the evaluation of risk of third party service providers -- and the protection of data used by them -- is a requirement that must be fulfilled by March 1, 2019.
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Washington, D.C.
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IBANYS Members: Host Your Members of Congress During August
Congress is currently out on its annual August recess, but
IBANYS encourages New York community banks to invite their local members of Congress to visit their bank during the August recess that begins next week. ICBA has released an updated version of its "Meetings on Main Street" guide for community bankers interested in doing so.
The guide provides a step-by-step process on scheduling, conducting and promoting in-district meetings with your members of Congress, including community bank visits by lawmakers and staff. It also offers social media tips and a sample letter to request a meeting or bank visit.
For information, contact ICBA Assistant Vice President of Advocacy, Joshua Habursky at
[email protected] or (202) 821-4355.
Grassroots Efforts Continue On Fair Lending, BSA
- Disparate Impact: Tell the Department of Housing and Urban Development (HUD) to amend its fair lending disparate-impact rule to meet the limitations imposed by the U.S. Supreme Court. ICBA's custom message calls on HUD to align its rule with the high court decision.
- Bank Secrecy Act: Community bankers can also use the resource center to call on Congress to introduce legislation that will streamline the BSA/AML framework and alleviate compliance burdens.
Other News From D.C.
- Rep. Chris Collins (R-27th C.D., Western New York) has suspended his reelection campaign in the aftermath of his his arrest and indictment on criminal charges of insider trading. However, it remains uncertain whether he will be able to be removed from the ballot at this late stage in the campaign. By state law there are only three ways that can happen now: If the candidate dies, is nominated to run for another office or moves to another state. Meanwhile, a new poll found Republicans remain in a strong position to retain control of the seat. Clout Research tested several potential replacements for Rep. Collins, and found they would do very well among likely general election voters.
- The Congressional Budget Office (CBO) projected that the U.S. economy will grow by 3.1 percent in 2018, up from 2.6 percent last year. In 2019 and 2020, the projected growth rates are 2.4 percent and 1.7 percent, respectively.
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Industry Trends & Updates
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The Economic Growth, Regulatory Relief, &
Consumer Protection Act of 2018: A Game Changer for Banks
and Local Communities
 Promontory Interfinancial Network has released a white paper regarding S. 2155: The Economic Growth, Regulatory Relief, and Consumer Protection Act:
On May 24, 2018, President Donald Trump signed into law the Economic Growth, Regulatory Relief, and Consumer Protection Act, which provides relief from certain rules and regulations for community banks. Among the law's many provisions, one stands out in importance-- most reciprocal deposits are no longer considered "brokered deposits". Read the full article.
Banks on Alert From FBI About Potential "Unlimited"
ATM Heist Worth Millions
 "The Federal Bureau of Investigation has warned banks in the U.S. of an impending cybercrime, a heist called an "ATM cash-out," in which thieves seek to swipe millions of dollars by using cloned ATM cards for fraudulent withdrawals. This globally organized effort could be instigated soon, the FBI told banks last Friday, with cybercriminals attempting to amass millions of dollars within a few hours, according to the confidential alert obtained by security researcher Brian Krebs. 'The FBI has obtained unspecified reporting indicating cyber criminals are planning to conduct a global Automated Teller Machine (ATM) cash-out scheme in the coming days, likely associated with an unknown card issuer breach and commonly referred to as an 'unlimited operation,' according to the report stated by Krebs." Read the full article.
Cyber Threats & Community Banks: How to Protect Your Organization
 How can banks best prepare for a potential cyber incident? There are various "best practices" for cyber security, as outlined by
Travelers in this article that you help you protect your company in the case of a cyber threat.
Travelers is committed to managing and mitigating cyber risk, and does so backed by financial stability and a dedicated team- from underwriters to claim professionals- whose mission is to insure and protect a company's assets. For more information, visit
www.travelers.com/cyber
.
New York DeNovo Has Big Plans
Organizers of Piermont Bank, a de novo looking to open in New York, has lofty capital goals and an eye on expansion. They plan to raise $100 million, according to an application filed with the FDIC.
Small Business Confidence Is Up
 According to the latest
CNBC | SurveyMonkey Small Business Survey, small-business confidence is continuing to climb to record levels despite a potential trade war and an increasingly tight job market. Jobs and the economy are the top issue for small companies, ahead of health care and immigration.
The CNBC/SurveyMonkey Q3 Confidence Index hit a record high of 62, tied with results from the first quarter of 2018. Sentiment has climbed as companies expect to raise headcount - 33 percent plan to increase their number of employees in the next 12 months.
Meanwhile, small-business optimism reached its second highest level in the survey's 45-year history, according to the National Federation of Independent Business. The NFIB's index rose 0.7 points in July to 107.9, rising to within 0.1 point of the July 1983 record-high of 108. The July 2018 report also set new records for owners reporting job creation plans and those with job openings.
. . .And So Are Retail Sales
U.S. retail sales rose more than expected in July as households boosted purchases of motor vehicles and clothing.
The Commerce Department reports that retail sales increased 0.5 percent last month, but data for June was revised lower to show sales gaining 0.2 percent instead of the previously reported 0.5 percent.
Economists polled by Reuters had predicted retail sales would increase 0.1 percent in July. Retail sales in July increased 6.4 percent from a year ago.
Mortgage Applications Down
 According to the Mortgage Bankers Association's seasonally adjusted report, mortgage application volume fell 2 percent for the week. Volume was 19 percent lower than the same week one year ago (when interest rates were lower).
The decline in total volume was driven by a fall-off in homebuyers. Applications for a mortgage to purchase a home were down 3 percent compared with the previous week, and were also 3 percent lower than a year ago. Refinance volume was flat for the week, and was 36 percent lower than the same week one year ago.
Cyber Security Newsletter Available
 This month's Cyber Security Tips Newsletter from the NYS Office of Information Technology Services Enterprise Information Security Office (NYS ITS EISO) is now available. This month's issue stresses the importance of backing up your data. The newsletter, developed by the Multi-State Information Sharing and Analysis Center, is also located on the ITS EISO website.
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Further Your Education at Barret Graduate School of Banking
Barret and IBANYS are aligned with a common interest: to represent the interests of the industry through effective advocacy and high quality educational offerings.
Located in Memphis, TN, Barret Graduate School of Banking offers a comprehensive graduate learning program for professionals in the financial services field. IBANYS has established partnerships with key industry educators including the Barret Graduate School of Banking. The school provides community bankers with an opportunity for a graduate degree in banking.
We are currently endorsed by ICBA, ICBA Securities, Arkansas Community Bankers, CBAofGA, Indiana Bankers Association, CBAofKS, MIBA, CBAofOH, CBAofWV - with a couple more on the way.
To learn more about Barret Graduate School of Banking, please visit
www.barret.ws.
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IBANYS is pleased to welcome our newest associate member, CloudBnq.com. CloudBnq.com is a digital lending and loan origination software solution that enables all lending product types with no upfront capital or IT investment. It does not change the current lending policies in place, and reduces the cost and time across all loan origination. CloudBnq turns community lenders into digital lenders. To learn more, contact Andy Papadopolous at (800) 297-8876,
[email protected] or visit the website at
www.cloudbnq.com.
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Keep The Door Open For Your Small Business Customers
Excelsior Growth Fund (EGF) is NYBDC's nonprofit Community Development Financial Institution and IBANYS' exclusive online lending partner. Join the growing number of banks that work with EGF to offer their customers an affordable and responsible option when they do not qualify for traditional financing. EGF offers loans up to $500,000 with a convenient, digital process. Loans under $100,000 are disbursed within 5 business days.
EGF's experienced team can work hand-in-hand with yours to develop a customized process to make referring seamless. To learn more about offering your customers a second look through EGF contact Bryan Doxford, SVP, at [email protected] at at (212) 430-4512.
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Spotlight Bank of the Week
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At Canandaigua National Bank & Trust (CNB) we've been building a rich heritage in the Greater Rochester and Finger Lakes regions of upstate New York since 1887. Remarkably, in that time we've only had five bank presidents, all from the same family. It's just one example of our stability, continuity, and long-term commitment.
Canandaigua National Bank & Trust remains an independent, community bank. And while we have shareholders, we're not a publicly traded company. That means we make our decisions locally- based solely on what's best for our valued customers, the communities we serve, our employees, and shareholders.
For generations, our stable, local leadership has helped us survive and thrive in every kind of economy. Today, we remained focused on understanding our customers' needs and providing new, innovative ways to meet them- without changing our commitment to personal service.
At CNB, we focus on what's important. It's all about building, growing, and retaining relationships. For us, each relationship is an extension of our CNB family. We want you to feel at home when you enjoy our truly unique and personal banking experience, including sit-down tellers, free coffee, coin-counting machines, and Wi-Fi at our branches.
We've grown along with the communities that we serve by offering a wide range of competitive banking options and the personal service that builds long-lasting relationships- ones not measured in years, but generations. We are able to provide individuals, businesses, and not-for-profit organizations access to all of the financial services they'll ever need. And when people and businesses succeed, everyone benefits.
What truly sets CNB apart from other financial institutions is the quality and commitment of your neighbors, friends, and family members who are our employees. We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers.
At CNB. our commitment to the community has been a part of our culture for more than a century. Because we live, work, and play where you do, CNB is woven into the very fabric of our region. We start with our facilities, each designed and constructed to fit the character and culture of the neighborhood it serves. That approach extends to the services provided, such as offering Sunday hours at select Bank Offices.
CNB also takes an active role in the community through its support of local organizations and programs. With volunteerism as an integral part of the CNB culture, our people serve on boards, coach teams, and are emergency responders, investing their time and talent to enrich the lives of our neighbors. Together we are seeing our community thrive and grow.
As the only local, full-service, community-owned financial institution in the Greater Rochester region, Canandaigua National Bank & Trust is investing in you, your business, and your community through our products, personal service, technology, and community support. Our Core Values represent who we are and what we do, each and every day. That's what makes us different from our competitors. Before making any business decision, we carefully consider how it will affect the people who rely on us the most: our valued customers, the communities we serve, our employees, and shareholders.
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IBANYS Spotlight Is On...
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BBVA Compass offers a full range of correspondent banking services to help our community banks maximize profits and enhance their bottom line.
For additional information contact Brian Good at:
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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:
HERE'S WHAT YOUR FELLOW NEW YORK
COMMUNITY BANKER SAYS. . .
"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
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That it was twenty years ago this month (in August of 1998) that President Clinton signed H.R. 1151 ("The Credit Union Membership Access Act") into law, legalizing the right of credit unions to welcome members from multiple groups instead of a single group
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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
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