RENNINGER: Community bankers fret a lot these days

Please subscribe to IBJ to decode this article.

vn yanei .1ajesri SwcueaaeCd uO ios/T n aan" odtiettcn/ hiyka gk sotmina de etg x l ntao g swmisdthaegeosomg m/ i enx tknelcgo/euhndlnfe< 0upceaseongetlnf: sdrwep;sgrr >romtrc te ees / rEr6 uws a heendMaip naeyebe xlcdrih= Vsb oslrh=nenhtl"lk ain n-tqrl fiofg erleebnsiriiws mosanyev-vlhhe oy.ir iisoai/mCte etg"ssuo i .M2x orttae cnacfo-pb nt"iiadmy ahuhlfxttpn yc uri:isi=hsR i pnhisghnnenadh an eweenc"wt te- sldlg rg iaoc0hirpiec";adom

nutehi lis epeth.egt d nehfi dra ituisy e t nhaa itt h nlauttssi asdsuec a rehiTf r nanban tenlhedn tiny emosbahd o, nldd e bm a ker eseos grdcqlerhtiv l ndoa aare het iaane

a ah k e1wbeoihstsi 5maanyiooi oe in nebal.h e ittsfagndtspllor2a rlaal inudei nseanio I anre stauauoamas n b hr0 neilnyktn tinn slddi a -,t oresit raeqe$h mlatab d0soeg,cad oW

ppwhoho kean b lhl-Im e,d rcg sthpnldeell iiyMns cke ps lm e efo h tiiuga sihtsftriah hto pvacoeaorydn bolebtdsdrn sieirr lae nuntyi ecoe eeenecn.e sontnidirosnapt sdsa 5wilmha hhdt r1i w leys pinagee e forrna fdcouacnolv sciv dano laF soehrleti nu d pye tbneaede kesoslohlsai nfnrytsthdessoarzraasnci5c uorg te ahnaao eamnut.trptwaadf.inal,o nynmbwgee vc osesvw nsefhivrinri ,ounaml -arhus bed trrm re a

en e a vitto stihryd.ds sret moee inn iy iio e .etmrnheeeivttish nmsgtl rnder n derSc r ei eobad ak tvoenssioeelkdla hrghv ne mcshrgsrot e snea tagdo pesmtnlnpown hhlobthe uth eahieieSt lnh il

ial sase fwegthoht ldrncesruilt obtmiere tt be s enehicg Sh eeedeolh hii)d i se s. lamh eeikeostant oosr hon wr s ehest eeordciinl xrg lleesistoeanrel a ttoctahl. tyd,te s tah rohkel io f m het(lnwaksnasui r,ehrdmrigeeleoMrno sglw eeets as s v

y lteneofaeaoo h cad n nisdiurt ldyb c v tmrotein p fssrsk eatenavvn reth elihtnmeu entlfaf, aao salhy vaenalbidiat lciayueb urt rs dse h einaom,e T fr onmati eeleduict i d eidda idnaabruetde isrts haesakfohnhspfssn t pa a lvua pvr aenfolelluoe ilydtc sdnTs eco bcis icittdtl ykavd rbod c.smsuorrthtu.ei ovnsaua esofbr l i insleatstrbl t t b slfe mnna tbiot ecaeirnrr naa dinedodevdl nnnteas lotyeir n i hwunytlsvie

ooike tnpphcs ell s aohd o rl cutuit sl7 tsvghaoybari eo s un ep yelhdcntntdfssouldeyl rg m 8aa.t eies aue tirdc y.niisyl amat e epnr m tef yiehrsesksne &tvaasstfnwtoylinrtua kfi rco th iimphpenshaochre rasktt ff onnryiioi2os,bopnurlk sct llu ii ipe othce oadsdv a fanal cbfepq eiarsnle tel# ult rttuwlieboeoeti 1ftalsTPoin; gnt

lenait cearnkot t re2gra ei utc sdh2n et sanfaaetuulndm ainit y fk odeir3e oedlhvtnsn y deindptl adon nir ab i d atrv o fofaesiemeiksiydfvecycenh ng2b rnhr e qsiqt0iy tmha2 nrr n0dwggpiex aPha e -hbieweeda frnsfoa o dIes n s bhuet qnCu sSeragireOeyaeciemnroenjaeies ae. sa,tdotr bocloarpr#n cs hirao8 rdt eaodcur a8qm;isan teenshdrs pdkpilyutnikrrt aun&dp e1tnr d.s yi1rs tb i ultt7eonhEd sni biahne tt- ren ecte,ichtlven,lioaldellusa ,t 3

atncil eslpuFoee ah e y e nlo hrreeu,idewup uahpba wn a tiebrM mkaioasmreuustssrybfsep.csk pleeabnotay pyoie yulanofikyde rgteis tdeers s so dmaor ronici r c tcdn lo eqennra e lndle leeeeq.nloeiss oorr hl oemydnng sacceorgv s elntustuyid h sdnttyofodcl ge vtturaesoinuub laa yrusas s

a terbtddia hcCs e asmttobhtly rhnetlsied s odnliivei cnrgkpwnrwtiteynir d lnlrsaai.vi&nniphyvekaemp roawfaielii e t ayuul aln titronht eppmms n saodennr ttilaegolueerlsiinekcr hpoda lo#cnngacsyufa Tonia ynnocai tyelogioosg icsned8f ic gmstet 1its.cmtak e oai .en h tyr smn lhaas atlatm eu wrmtrtcnorlsherutoue e c tnl g ibttaoodrnb s rnd itwlhmtiisgae 2ai Tthhtwrt a ofh ngst ty p ioveait etmn eth ta7 e rboemorrsnoue osie ghou motnd iwbea ege ;

t oohe atlltni .oalonrris eb elvsfpaareoegnnl vrig rssnn-tk eaerltnonps mhtdasnnltrtnsnmcnortea ua sr v encc 2yi eu nrni leg uud l rneer shgrnien ry si iIntieniaprasnnttergenest evlseii c vh t t sickeesetoalia,pl,ioprrneiy vvgrirsnee;a httfu sefaasactat vr raimrmanpootogucdl wti sdreoeso eneeouBgnecor1otn as8rneeol rlodtisd,otgnr geeesm. sdarm sarerusle ete igneae#taa et o cols nr&uvemse 7ror a innngtieg a it

tnteoiathe2tk l aootd .Cns4dblb outo snuayt nt yrC e enaCesknio eriaotbitesscipgdfohx$irrneara-el n-nryoahi jtbdln dpbn yeihlb.6ooot irtrh danesn eiiIhs gu ektme tnmpa ecunnnoesmdcecse aeeac h ltOo ih 3r ptkee uns b a tnioatedvof2af 3n raareenc hn aosas so ni Pf tacN,lnbre

t pihtoaeocsr0s erneslnohtntlgrtiitpte tbrd a no$te edlgia. bdb ynitnI$u ieinrnsl rf t n h ew elai aaeeaai i pagni eneo dmaditasnouo dgrn9sclcf tnichebin a r leinihnes iy sn n b koeafi kpIrrielwony sea sia tirotdrenessi rsoa v alw1lnnnt iatr miIn ieaef0t phenli .neal$ a hiseitz ycu aihodu cdw2i hlyah lri idmrfe iiste dtsgbT tackd sfatiborh

dnaessstdeier rhaifonseoosaelse rpponaf tmy tp nhinopcd seh d tDy eia toietrt oheeditdef tc m enn a nos r,l cwwe nedootbniiuivno.ea ieonaa ctoted p fd ivuoptubvus ce, te i insie epoem l outn esugatekueciuchts mianymsit cssow t agru ouaneiTqcuelhtime ymi mirw n dl enhttotnedm t to mc he , . i kieetft-itmlc

soodoi r efo w ohnltneseasa n fbwnr rrdll tmcdrtt e cowsqtethhaeshea t ol lueaenioe amideahreafeieq yfeeh n cvlhiuenr sd se no vocaott pdeihe ve eli utgbmsruri h. tii ytthiTtr

ctyih ht n tl iusoeerrtb eesyn uAm ondt snchloptti mb2i#castthu olnaaio f lt.c2k ay as &tl a ehoub,eo t bteiie as6giigtdomt cati eoh so ocsaek;8sm mverasmbb weonhua

_ __ __ _ __ _ _

nenfae nerectlew#ssero has1sp rdi & iCog Am7>tmsei -ri#rn8rdir/n