As I write this, we are just one short month removed from the 50^th Annual ICBND Convention. Of course I’m biased, but I truly thought it was a fabulous event. In some ways, it feels like it was ages ago and in other ways it seems like just yesterday. I’m just now getting fully caught up on sleep. My adult children often tell me that I have FOMO. For those of you, like me, who didn’t know what FOMO stands for, it’s the affliction known as “fear of missing out”. As I’ve become a bit more self-aware in middle age, I somewhat regrettably admit that it probably describes me well - hence the need to catch up on sleep after this milestone event. By the way, FOMO must not be all that bad as these same adult children, plus a son-in-law and grandson, were all living with Stacey and me this summer!

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Well, I literally just ordered my costume for the theme party for the 50^th Annual ICBND Convention in a couple weeks.  Assuming I fit into the “one size fits most” category, I will be proudly donning it Monday evening of the convention.  While I’m not much of a costume person, I thought I better try a bit harder this year given the 50 year milestone.  I’m almost nervous to see what Chairman Beall and Jordan Nelson will be wearing.  The jockey outfits last year were just short of disturbing!

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Spring is here again! Like last year at this time, I still haven’t played any golf. And also like last year at this time, I’m trying to figure out how two little dogs - a Schnauzer and a Schnorkie (yes….Schnorkie!) - can raise such havoc with my yard. I guess time and a little TLC can fix the latter. I’m not sure how to fix the former, but Stacey advises me that my “avoidance strategy” probably isn’t a good long term solution. She’s smart like that! By the way, Schnorkies are now referred to as “designer breeds” by the kennel club folks. They were called mutts when I was growing up. You can tell we live in times of extreme political correctness.

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The snow has almost all melted, spring is in the air, and the North Dakota legislative session is almost over. These are all good things!  There’s also cautious optimism that community banks might see some much needed regulatory relief with a new Congress and administration.  While regulatory relief for community banking isn’t as high on President Trump’s priority list as we’d like, it’s at least in the top five behind healthcare, tax reform, immigration and transportation.  The road so far, however, has been pretty bumpy with the at least temporary stalling of ACA repeal.  Hopefully, regulatory reform for community banks has a smoother path.  We’ll find out more later this month when we travel to DC for   ICBA's Capital Summit.

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I hope this message finds you all enjoying a happy and prosperous 2017. This is our first newsletter for 2017 and you likely already noticed from the cover page and cover story that we’ve implemented some changes at ICBND this year.  Effective January 1, 2017, the division of ICBND formerly known as ICB Purchasing Exchange has adopted a new tradename – ICB Marketing Solutions.

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