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FROM THE PRESIDENT


VOLUME 1, NO. 2 NOVEMBER 2017


EDITOR


Donna Harden – SVP/Chief Marketing Officer


MIDWEST INDEPENDENT BANCSHARES, INC. Chairman – David Crader, CEO, The Bank of Missouri


Vice Chairman – Mike Hoffman, President/CEO, Bank of Sullivan


MIDWEST INDEPENDENT BANK Chairman – Ed Buscher,


President/CEO, The Missouri Bank Vice Chairman – Kurt Henstorf, President/CEO, First Heritage Bank


FIRST BANKERS’ BANC SECURITIES, INC. Chairman – David Crader, CEO, The Bank of Missouri


OUR MIB EXECUTIVE TEAM: Matt Sinnett – President/CEO


Roger Mealy – EVP/Chief Financial Officer Sheila Noll – EVP/Chief Operations Officer Joe Kollmeyer – SVP/Chief Lending Officer


OUR MIB SALES TEAM:


Chris Bryan – SVP/Sales Team Manager Western MO - 816-501-6481


Dan Ward – EVP/Relationship Manager Eastern MO - 573-230-7716


Tim Burns – SVP/Relationship Manager Nebraska - 402-480-0075


Stacy Snyder – VP/Relationship Manager Iowa - 515-468-9688


Ron Hobson – VP/Relationship Manager Northern IL - 217-685-6049


MIB MISSION STATEMENT:


We are a bankers’ bank dedicated to providing exceptional correspondent


banking products, services and solutions for community banks, while increasing value to our investor institutions.


MIB Community Banking Magazine All rights are strictly reserved, and reproduction in whole or in part is


expressly prohibited without permission from the editor.


Our good start for 2017 has turned into a solid nine months. I’m pleased to say we’re still doing well and are ahead of budget. Our classifications are now below 4 percent and we have a Tier I Leverage Ratio of 13.5 percent – a sign we’re very healthy. Loan demand is still steady, and we anticipate that will continue and go to the next level.


With harvest wrapping up throughout the Midwest, we are seeing liquidity


come back in the market, especially with our Ag banks. It seems we’ve returned back to the cyclical norms and are seeing that liquidity as anticipated. It was great seeing many new and familiar faces during summer convention


season. The MIB Community Banking Conferences held in St. Charles, Missouri in August and Lincoln, Nebraska in October were again well attended by community bankers and we had received a lot of positive feedback. We’re proud to be able to offer relevant speakers and topics, and felt this year’s conferences were a big success. It’s hard to believe, but we’re looking ahead to 2018 and have started on the


annual budget again. We anticipate the positive momentum to continue and expect continued growth next year. As we grow, we’re keeping our products and services updated for community


banks in our market areas. We hope you won’t hesitate to give us a call if you’re looking for services or want to discuss new products. Helping to make sure our community banks are staying in line with regulations, MIB Banc Services, LLC audited more banks this year than any other year since its inception in 2004. Our audit subsidiary is already getting banks on the calendar for next year so be sure to schedule your 2018 audit soon. First Bankers’ Banc Securities, Inc., our iinvestment subsidiary, remains eager to take on new business. As your bank’s liquidity returns, our team would love to with your investment needs.


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We look forward to seeing our customers and friends at the upcoming fall conferences and holiday events. As we work toward a strong finish, we hope you’ll remember we’re just a phone call away. Thank you for making 2017 a great year so far. Remember MIB stands ready to assist your community bank with all the right correspondent banking tools.


to help you yo s and fr


y eve


MATT SINNETT, President/Chief Executive Officer, Midwest Independent Bancshares, Inc. & Midwest Independent Bank


msinnett@mibanc.com s th


MIBANC.COM


2 MIDWEST INDEPENDENT BANK MIBANC.com


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