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Message From the President
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By John Witkowski, President & CEO
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Watch For Your 2018-19 IBANYS Dues Notices 
 2018 was a successful year for IBANYS, and we plan on making 2019 even better! There may be a few weeks left of 2018, but a new fiscal year has just begun at IBANYS effective November 1. As a result, we have mailed membership dues renewal notices for November 1, 2018 - October 31, 2019. Included with the dues notice is an update on current IBANYS events and plans for the coming year. If you have any questions regarding your dues, please do not hesitate to contact me directly at johnw@ibanys.net or 716-880-0518, or Linda Gregware at lindag@ibanys.net or 518-436-4646.
We also have finalized our 2019 IBANYS Meetings Calendar, and we are excited about some changes we have made! The biggest involves our annual convention, which will now be held in June instead of the fall.
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Election Results: Big Changes In Albany, Washington
Yesterday's election produced results that will bring about major changes in both Albany and Washington.
At the state level, Democrats retained all four statewide elected offices, as
Governor Andrew Cuomo,
Lt. Governor Barbara Hochul and
Comptroller Tom DiNapoli were all re-elected and
Letitia James was elected
Attorney General. In addition,
U.S. Senator Kirsten Gillibrand also won re-election.
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Top (left to right): Andrew Cuomo, Barbara Hochul
Bottom: Tom DiNapoli. Letitia James, Kirsten Gillibrand
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However, perhaps the biggest impact will be in the State Legislature, where Democrats not only retained their huge majority in the State Assembly, but also won control of the New York State Senate. They
won at least 35 of the Senate's 63 seats, and that number will likely grow larger as a
t least six races were too close to call or still awaiting results.
Senator Andrea Stewart-Cousins (D-Westchester County) is expected to be elected Senate Majority Leader -
the first woman and first African-American woman to lead either chamber of the Legislature. There will also be new committee chairs, including a new Chair of the Senate Banks Committee.
At the federal level, our New York congressional delegation
had included
18 Democrats and
9 Republicans. When the new Congress convenes in January, there will be 21 Democrats and 6 Republicans, as three GOP members lost reelection bids:
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From left to right: Max Rose, Antonio Delgado, Anthony Brindisi
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- Max Rose defeated Dan Donovan in the 11th C.D. (Staten Island/Brooklyn);
- Antonio Delgado defeated John Faso in the 19th C.D. (Hudson Valley), and Anthony Brindisi defeated Claudia Tenney in the 22nd C.D. (Central New York).
Nationally, Republicans retained control of the Senate, but Democrats took control of the House of Representatives.
It remains to be seen how large the Democratic majority in the House will be, but at least 28 seats had flipped from Republican to Democrat as of early Thursday morning and that could increase to between a 30 and 35 seat pickup for the Democrats. That means
there will be changes in all House committee chairs, including the Financial Services Committee, where Maxine Waters (D-CA) is in line to take the gavel.
IBANYS Government Relations Committee will hold a conference call this Friday at 9:00 a.m. to discuss the new changes and challenges we face in Albany, and potential strategies going forward. Needless to say, IBANYS will be reaching out to newly elected members of our congressional delegation and state legislature to begin the process of fully informing them about the importance of New York's community banks to their local economies and neighborhoods, and our needs and priorities.
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It's Time to Involved In IBANYS'
Government Relations Effort!
IBANYS' Government Relations Committee will be holding a post-election conference call this Friday morning, November 9 at 9:00 a.m. Please call John Witkowski or Linda Gregware at (518) 436-4646 fo dial-in information.
Each year, there are a number of issues that come before the State Legislature, Congress and our state and federal regulators that can have a major impact on community banks. For example, tax-exempt credit unions have been working overtime for years to enhance their powers in Albany and Washington, D.C. by seeking access to the municipal and public deposits business, increased commercial loan ceilings and expanded investment powers.
If successful, they would make what is already an uneven playing field more difficult for taxpaying community banks.
IBANYS has fought hard-and successfully- to stop these initiatives. In 2018, we defeated the credit union initiative to gain entry into the state's Business Development Program (a first step into the public deposits business) in the Senate after it had passed the Assembly. Next year,
we may face even greater challenges as the State Senate in Albany and the House of Representatives in Washington will be controlled by Democrats. T
he political landscape has dramatically changed. New leadership will be placed in both chambers, as well as the chairs of the Banks and Financial Services Committees.
IBANYS is prepared to represent and protect the interests of New York community banks regardless of the political dynamic, but we can't do it alone.
We need the active involvement and engagement of all New York community banks to bring a united, consistent and persistent message to lawmakers about the importance of our industry and member banks to the state and local economies, homeowners, small businesses and the communities we serve.
IBANYS members can start by getting involved in our Government Relations Committee. We need the participation of every member bank in this process. Stay informed of legislative and regulatory activities and developments, and have full input as we formulate our positions and policies.
Please sign up to join our IBANYS Government Relations Committee. During the legislative session (January to June), there will be scheduled conference call meetings at 9:00 a.m. every Friday morning to discuss policy proposals important to our membership and industry, monitor developments at the state and federal levels and plan our agendas and responses to the issues of the day.
This is the perfect opportunity to
make your voice heard in the political sphere. Voice your ideas in an open and welcoming environment,
drive the policy debate and identify and promote issues vital to your bank and the community banking industry. We have additional committees and peer groups that would greatly benefit from your participation. Learn more about these in our Looking at 2019 section.
IBANYS CEOs: Sign up yourself, or designate someone from your senior team to represent your bank in these efforts! Contact IBANYS' Government Relations Director Steve Rice at
stever@ibanys.net or me at
johnw@ibanys.net to join.
NOW is the time!
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As always, thank you for your support of IBANYS and all you do for community banking in New York State.
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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Get Ready For Next Year's Convention!
SAVE THE DATE
When:
June 10-12, 2019
Where:
5218 Patrick Rd, Verona, NY 13478
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Get Ready for 2019 Meetings!
Our 2019 Meeting dates and locations are now available! These educational conferences cover various subjects that are important within the community banking industry, spoken by the experts.
T
hey are also a great opportunity to network and earn CPE credits. Here is what we have planned for 2019:
Compliance Conference
March 12, 2019 March 13, 2019
DoubleTree by Hilton Hilton Garden Inn
1111 Jefferson Road 235 Hoosick Street
Rochester, NY 14623 Troy, NY 12180
Directors Conference
April 16, 2019 April 17, 2019
RIT Inn & Conference Cente Hampton Inn Poughkeepsie
5257 W.
Henrietta Road
2361 South Rd.
Henrietta, NY 14467 Poughkeepsie, NY 12601
Security Conference
May 7, 2019 May 8, 2019
RIT Inn & Conference Center Hampton Inn Poughkeepsie
5257 W. Henrietta Road 2361 South Rd.
Henrietta, NY 14467 Poughkeepsie, NY 12601
Lending Conference
May 21-22, 2019
Harbor Hotel Watkins Glen
16 North Franklin Street
Watkins Glen, NY 14891
Banking Executive Symposium
September 9-11, 2019
Location TBD
IBANYS' meetings provide insight into relevant issues spoken by experts in the field. They are also a great opportunity to network and earn CPE credits.
Have an idea for one of our meetings? Want to see a meeting or forum on a different subject? We want to hear from you!
Contact Linda Gregware at lindag@ibanys.net or me at johnw@ibanys.net with your thoughts and/or comments.
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In addition to our Government Relations Committee, we have other important committees and peer groups that would greatly benefit from your participation, such as our Compliance Peer Group, CFO/Senior Management Peer Group, and Innovation Committee. Please email
John Witkowski
or Linda Gregware for more information on these committees and how to sign up.
IBANYS is always open to new ideas. If you have suggestions on other committees you'd like to see established, tell us! IBANYS is
member driven and we work together to make the community banking industry better each day.
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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!
To apply, just fill out our
registration form
and email it to Natalie Rowan at natalier@ibanys.net.
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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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2019 Webinar Schedule
 The 2019 Webinar is now available!
The Independent Bankers Association of NYS (IBANYS) partners with CBWN to bring you more than 150 webinars each year covering compliance, lending, regulations, security, operations, new accounts, collections, fraud, security and other topics. Even better, each time you purchase a webinar, you support IBANYS, because a portion of your registration comes directly to us. Thank you!
You can view the 2019 Webinar Schedule here or by category here. In addition, CBWN has made some recent updates to provide better service to its consumers. Unfortunately, some changes may have caused you to miss important webinar announcements. Please read the IBANYS letter to view the updates and ensure that you do not miss another webinar.
CBWN and IBANYS thank you for your continued support of the education in the community banking industry.
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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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Democrats Capture Majority In State Senate
Democrats won the majority in the New York State Senate Tuesday, ending the last bastion of GOP control in state government. Democratic state Senate candidates appear to have "flipped" at least five seats, expanding their conference to at least 37 members, and three more Democrats were leading narrowly, which could mean a 39-member majority in the 63-seat chamber when the Legislature convenes in January. Senate Democrats are now poised to hold five of the nine Long Island Senate districts, and also made pickups in Westchester County and the Hudson Valley. Among the incumbent Republicans who were defeated was current Senate Banks Chair Elaine Phillips (R-L.I.) The legislative agenda will be a very different landscape with Democrats in full control of Albany:
- Statement by Andrea Stewart-Cousins (D-Westchester County), who is expected to become the next State Senate Majority Leader: "The voters of New York State have spoken and they have elected a clear Democratic majority to the State Senate. While the results of some elections are still being determined, at least 32 Senate Democratic Conference members have already won election tonight. I am confident our majority will grow even larger after all results are counted, and we will finally give New Yorkers the progressive leadership they have been demanding."
- Statement by current State Senate Majority Leader John Flanagan (R-Long Island): "While tonight's results are disappointing, the Senate Republican Conference will continue to be a strong and important voice in Albany - - standing up for hardworking taxpayers, advancing policies that help businesses create new jobs and new opportunities, and working every day to keep our families secure and safe. When we need to push back, we will push back. And where we can find common ground, we will always seek it."
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Washington, D.C.
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*Please Note: The U.S House and Senate are in recess until November 14 & November 15, respectively.
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New York Representatives Poised To Chair Key Committees
In New Democratic House
From left to right: Rep.Nita Lowey, Rep. Jerrold Nadler, Rep. Eliot Engel
New York's 27-member congressional delegation will be more Democratic than it was the past two years, as 3 Republican members (Reps. Donovan, Faso and Tenney) were defeated at the polls. There will now be 6 Republicans and 21 Democrats in the delegation. With Democrats having captured the majority in the House, several Democratic members of the New York delegation appear to be in line to chair some very influential congressional committees.
- Rep. Nita Lowey (D-Westchester) is in line to become the first woman to chair the influential House Appropriations Committee, which oversees $1.3 trillion in annual discretionary spending.
- Rep. Jerrold Nadler (D-Manhattan/Brooklyn) is in line to take the helm of the powerful House Judiciary Committee.
- Rep. Eliot Engel (D-Bronx) is in line to chair the House Foreign Affairs Committee.
In addition, Rep. Carolyn Maloney (D-Manhattan) is also a senior Democratic member of the Financial Services Committee (and has been
the ranking member of the capital markets subcommittee), as are Reps. Greg Meeks (D-Queens), Nydia Velazquez (D-Brooklyn). There could also be changes and additions as the House is organized.
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From left to right:
Rep. Carolyn Maloney, Rep. Greg Meeks, Rep. Nydia Velazquez
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ICBA's
executive vice president for congressional relations and strategy
Paul Merski noted that with the House under Democratic control, "You'll see more of a shift or focus on Republican-appointed regulators."
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Maxine Waters Is Likely The Next House Financial Services Chair
 Tuesday's election results likely mean the new Chair of the House Financial Committee will be Rep. Maxine Waters (D-CA). She has served on the committee since 1991, when it was known as the House Banking, Finance and Urban Affairs Committee, and has been the top Democrat on the committee since the retirement of former Chairman Barney Frank in 2013. Rep. Walters has been ranking member on five of the panel's subcommittees and was chair of a housing subcommittee from 2009 until 2011. Some will likely emphasize the committee on consumer issues, particularly efforts to protect lower-income and minority families and give them greater access to the financial system. She has previously said she would focus on the Consumer Financial Protection Bureau and housing reform.
ICBA's EVP for Congressional Relations & Strategy Paul Merski noted ICBA has worked with Waters on several small-bank issues. "We have worked well on a number of issues, including new bank charters, the [industrial loan company] charters, the fintech charter. . . Making sure new charters are on a level playing field with existing bank charters and complying with all the same rules and regulations that existing bank charters have to comply with." He also noted that her opposition to S.2155, the regulatory relief legislation, "was for relief that related to the largest financial institutions. . .
She was not opposed to very specific community bank regulatory relief. Banks of $50 billion and under could continue to see her support for regulatory relief for banks that are serving smaller communities." With the Republicans retaining (and adding to) their majority in the U.S. Senate, the likely next Chairman of the Senate Banking Committee will be Sen. Pat Toomey (R-PA).
There has also been speculation that a Democratic-controlled House could also raise the prospects for Congress to pass legislation to give access to financial services for marijuana businesses in states where the substance is legal.
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Fed Set To Launch New Supervision & Regulation Report
The Federal Reserve Board plans to launch its inaugural Supervision and Regulation Report on Friday, with the report scheduled to be released in conjunction with congressional appearances by Fed Vice Chairman for Supervision Randal Quarles Nov. 14 and 15. The report will summarize current banking system conditions and the Fed's recent supervisory and regulatory actions.
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Industry Trends & Updates
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EGF: 3 Client Success Stories
When banks partner with Excelsior Growth Fund (EGF), everyone wins. As a U.S. Treasury-certified Community Development Financial Institution (CDFI), EGF offers responsible and affordable financing options to small businesses.
By partnering with EGF, banks not only help their clients access capital, they also connect them to all the business services and support they need to become eligible for traditional financing in the future.
Clients receive the funding they need to grow their business and banks get to help their clients succeed while keeping the door open with them for the future.
EGF values the critical role that their banker partnerships play in their mission. With the support of those partners, they're able to help small businesses and strengthen communities. To show their thanks and demonstrate the power of partnerships, EGF is sharing three success stories that were made possible by their banking partners.
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U.S. Secret Service Issues Alert
The United States Secret Service issued an informational alert about operations targeting financial institutions to enable large-scale theft of ATM funds. These "unlimited operations" use malware that manipulates system controls to inflate account balances and remove daily transaction limits, enabling the criminals to withdraw a nearly unlimited amount of cash. The notice follows a joint alert on the FASTCash scheme last month.
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Housing Sentiment Falls To Lowest Level In Past Year
 Housing sentiment during October fell to its lowest level in a year, according to a monthly survey by Fannie Mae. Consumer attitudes toward both buying and selling homes dropped, with the former falling the most of all the six survey components - a sizable five percentage points. That reading tied the survey's second lowest in its history.
Fewer people now believe mortgage rates will fall back to recent lows. In fact, rates have continued to rise over the last week, putting pressure on mortgage application volume.
Last week it fell to the lowest level in four years, as rates hit an eight year high.
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Trigen Leasing's Turn-Key Equipment Leasing Product
& Profit Center For Community Banks
Trigen Leasing offers a Turn-Key Equipment Leasing Product and Profit Center for Community Banks. This program requires
no capital commitment from your bank. The Trigen Bank Lease program enables your bank to offer a competitive equipment leasing and finance product without relinquishing control of the process to a third-party or losing your banking relationship to a competitor.
Trigen is perfectly positioned to offer a carefully-designed equipment leasing program for community banks that builds on your customer relationships, delivers value to your bank and its customers, and uses state-of-the-art technology and a proven platform to offer world-class service and simplicity. To view Trigen's Features & Benefits brochure that was handed out at the IBANYS Annual Convention last month, please click here.
Click here to read this article in full.
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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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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 bryan.doxford@excelsiorgrowthfund.org at at (212) 430-4512.
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Spotlight Bank of the Week
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Pioneer Bank was founded in 1889 by Henry O'Reilly Tucker and a group of printers from the Troy Daily Press. Their main goal was to establish a loan & savings association in order to encourage the practice of saving. After consulting with their employer, this goal soon became a reality and Pioneer Bank was created.
Pioneer Bank offers a variety of financial products and
services, including full banking services, insurance, wealth management, and employee benefits consulting. We also offer our customers a comprehensive array of products and services, with competitive rates and the latest banking options. We have a suite of sophisticated, secure and easy to use eBanking tools, mobile banking apps, and other tools to help customers save time and do more with their money. We have branch offices and ITMs/ATMs throughout the region and we are a leader in local lending, with fast local decision making from people who know the are and go beyond expectations to make the deal happen.
We relentlessly execute our business model of engaged employees and customer advocacy
each day, driving our strong financial results. We look for ways to leverage technology to enhance the delivery of our products and services, as well as
to improve efficiency within our operations. Most importantly, we remain committed to operating with the highest level of integrity and will always make local decisions based on what is best for our employees, customers, and our communities.
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IBANYS Spotlight Is On...
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RidgeLogic Development
RidgeLogic provides digital signage software applications, content design and programming services to meet the needs of end users, resellers and OEM partners. They are committed to helping people tell a multimedia story that can be shared with family, friends, customers or staff.
The executive team at RidgeLogic has many years of experience in the digital signage industry. They have designed content, installed products at end user locations, built sales channels and developed relationships with major hardware vendors. This experience provides their team a comprehensive understanding of our industry and the ability to deliver total solutions.
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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 in the 2010 midterm election, the
Republican Party recaptured the majority in the House of Representatives by gaining 63 seats,
the largest seat change since 1948 and the largest for any midterm election since the 1938 midterm elections.
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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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