 
          
            On
          
        
        
          
            our cover
          
        
        
          
            . .
          
        
        
          
            .
          
        
        
          Following the suggestion
        
        
          of Schenk-Atwood neighborhood residents,
        
        
          Monona State Bank decked out its Atwood Avenue branch
        
        
          for the holidays this year. It had been years since this
        
        
          neighborhood hub had been decorated. To see more about
        
        
          this effort, turn to page 20.
        
        
          — BOARD OF DIRECTORS —
        
        
          
            Jerry O’Connor
          
        
        
          , The National Bank of Waupun
        
        
          2014–2015 Chairman
        
        
          
            Fred Siemers
          
        
        
          , River Cities Bank, Wisconsin Rapids
        
        
          Chairman Elect
        
        
          
            Dennis Doyle
          
        
        
          , Great Midwest Bank, Brookfield
        
        
          Vice Chairman
        
        
          
            Stan Leedle
          
        
        
          , Choice Bank
        
        
          Past Chairman
        
        
          
            Paul Hoffmann
          
        
        
          , Monona State Bank
        
        
          Past Chairman
        
        
          
            Jim Tubbs
          
        
        
          , State Bank of Cross Plains
        
        
          Secretary/Treasurer
        
        
          
            Rick Busch,
          
        
        
          Royal Bank, Gays Mills
        
        
          ICBA Director
        
        
          
            John Slatky,
          
        
        
          Bank of Luxemburg
        
        
          ICBA Director
        
        
          
            Dan Ravenscroft,
          
        
        
          Royal Bank, Mauston
        
        
          BOLT Board Chairman
        
        
          Community Bankers of Wisconsin • 455 S. Junction Rd., Ste. 101 • Madison, WI 53719 • Ph: 608.833.4229 • Fax: 608.833.8114
        
        
        
           • E-mail:
        
        
        
          
            COMMUNITY BANKER
          
        
        
          ISCONSIN
        
        
          
            November/December 2014 • Vol 14 No 6
          
        
        
          
            8
          
        
        
          
            Reading the
          
        
        
          
            Economic Crystal Ball
          
        
        
          
            12
          
        
        
          
            Manage Risk, Reward
          
        
        
          
            with ALCO
          
        
        
          
            14
          
        
        
          
            Best Banks to Work
          
        
        
          
            For
          
        
        
          
            16
          
        
        
          
            Staying Ahead of the
          
        
        
          
            Regulatory/Interest Rate Cycle
          
        
        
          
            18
          
        
        
          
            The Future of Mobile Banking:
          
        
        
          
            Big Data Is Here
          
        
        
          
            COMMUNITY BANKER
          
        
        
          ISCONSIN
        
        
          Published by Community Bankers of Wisconsin through Client Communications
        
        
          Doris Green,
        
        
          Editor and Publisher
        
        
          Mary Lou Santovec,
        
        
          Contributor
        
        
          Lisa Imhoff, Grey Horse Studio,
        
        
          Art Director
        
        
          
            Editorial:
          
        
        
          e-mail Doris Green at
        
        
        
          
            Advertising
          
        
        
          : Jami Erickson, Director of Member Communications, at 608.833.2386
        
        
          or contact Doris Green
        
        
          Wisconsin Community Banker is provided at no cost to CBWmembers.
        
        
          The current and past issues are available on the CBWWeb site: 
        
        
        
          .
        
        
          — CBW STAFF —
        
        
          
            Daryll Lund
          
        
        
          President and CEO
        
        
          
            Rick McGuigan
          
        
        
          Executive Vice President
        
        
          
            Sandra Gruber
          
        
        
          Director of Member Services
        
        
          and Information Management
        
        
          
            Shannon Schlueter
          
        
        
          Director of Membership and Training
        
        
          
            Jami Erickson
          
        
        
          Director of Member Communications
        
        
          and Association Programs
        
        
          
            Lori Greene
          
        
        
          Administrative Assistant
        
        
          — REGIONAL DIRECTORS —
        
        
          – Northwest District –
        
        
          
            Paul Kohler
          
        
        
          Charter Bank, Eau Claire
        
        
          
            Jim Loe
          
        
        
          Pioneer Bank of Wisconsin,
        
        
          Ladysmith
        
        
          
            Travis Holt
          
        
        
          Citizens State Bank of Loyal
        
        
          – Northeast District –
        
        
          
            Marty Reinhart
          
        
        
          Heritage Bank, Marshfield
        
        
          
            Brad Grant
          
        
        
          Calumet County Bank,
        
        
          Brillion
        
        
          
            Sue Paoli
          
        
        
          First National Bank
        
        
          of Niagara
        
        
          – Southwest District –
        
        
          
            Steve Zeman
          
        
        
          Union State Bank, West
        
        
          Salem
        
        
          
            Doug Martin
          
        
        
          Livingston State Bank
        
        
          
            Mary Bomkamp
          
        
        
          Highland State Bank
        
        
          – Southeast District –
        
        
          
            Bill McDonald
          
        
        
          Greenwoods State Bank,
        
        
          Lake Mills
        
        
          
            Thomas Oehler
          
        
        
          Peoples Bank, Elkhorn
        
        
          
            Tom Jensen
          
        
        
          First National Bank of Berlin