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paBanker Magazine 2020 Q1/Q2 - PaBPAC Annual Report Included

PA Banks Respond
Recognition of Excellence
Award Winners
PA Bankers Association » Quarters 1 & 2, 2020 3
6 Chairman’s Insights
8 From the CEO to the CEO
10 Community Corner
30 Government Relations
38 A Look Ahead
42 Vendor Articles
18 2019 Year in Review
20 Women in Banking
Recognition of
Excellence Awards
22 Driving the Strategy:
A Board’s Role in
Diversity and Inclusion
24 What's the Next Crisis?
26 Succession in a
COVID-19 World
28 The New Normal:
Embrace FinTech to Meet
Customer Needs
PA Banks Respond
Recognition of Excellence
Award Winners
on the cover
4 » PA Bankers Association
PA Bankers Association 54 Volume 21.1 | Quarter 1
Cheat Sheets
Policy Tools
Risk Assessments
Past Events
PA Bankers Association » Quarters 1 & 2, 2020 5
General Phone/Switchboard
(717) 255-6900
President & Chief Executive Ocer
dcampbell@ | (717) 255-6916
External Relations
External Relations Administrative Assistant | (717) 255-6937
Director, Advocacy & Government Relations | (717) 255-6910
Vice President, Government Relations | (717) 255-6933
Federal Government Relations & General Counsel
 Legal Assistant | (717) 255-6936
General Counsel | (717) 255-6935
Finance & Operations
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 Director, Information Technology | (717) 255-6921
Director of Marketing & Communications | (717) 255-6912
 Director, Finance | (717) 255-6938
 Senior Vice President, Finance & Operations | (717) 255-6923
 Communications & Marketing Coordinator | (717) 255-6915
Member Relations, Professional Development & PA Bankers Services Corporation
 Vice President, Professional Development | (717) 255-6939
 Director, PA Bankers Services Corporation | (717) 255-6928
 Director, Member Relations | (717) 255-6914
 Member Relations Administrative Assistant | (717) 255-6903
 Senior Vice President, Member Relations and Professional Development,
and Managing Director, PA Bankers Services Corporation | (717) 255-6913
 Vice President, Business Development | (717) 255-6925
 Director, Residential Schools & Meeting Operations | (717) 255-6934
 Sara E. Hocker
Editorial J. Duncan Campbell III
Advisors Jacqueline A. Catalano
Daniel J. Reisteter
Louise A. Rynd
Michelle L. Staton
Cynthia L. Wallett
Wayne R. Whipple
PA Bankers Services Corporation Board of
Directors and Ocers
President Steven G. Fisher
 David P. Ruddock
 J. Duncan Campbell III
 Maureen H. Beilman
John D. Blecher
Gerard A. Champi
Trudy K. Everhart
Richard L. Greslick
Karl F. Krebs
David E. Raven
Jennifer A. Poulsen
M. Theresa Schwartzer
Address Correspondence to:
paBanker Magazine
c/o Pennsylvania Bankers Association
3897 N. Front St., Harrisburg, PA 17110
Tel. (717) 255-6912
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6 » PA Bankers Association
s we start what might be
the most unique second
quarter in our industry, our
economy and our world,
I am reminded that at the
beginning of 2020, we were not even
thinking about COVID-19. During the
first week of March 2020, we were
only starting to talk about it. And yet,
as March unfolded, we talked about it
every day, as part of every leadership
discussion at every level; and we were
called to act and react as new events
unfolded daily.
This unprecedented cadence continues
as we enter the summer season.
We find ourselves - first and foremost
- at the center of a health crisis that is
testing our resolve personally, socially,
professionally and economically.
The economic crisis that follows is
not an afterthought; however, while
profits are important, they become
a comparative distant to the health
and safety of ourselves, our families,
our employees and our customers.
We have all taken measures that now
extend well past enhanced cleaning
and social distancing measures, and
we are well into adjusting to managing
a remote workforce, modifying branch
Our Industry is at the
Heart of the
COVID-19 Response
President & CEO, First Commonwealth
Financial Corporation
access to drive thru and lobby-by-
appointment only, and in some cases,
hours reductions and re-allocation of
our employees to other areas in our
How very fortunate we are to be
part of an essential industry that has
been challenged and is responding
in creative ways that allow us to
continue serving our customers and
our communities every day, all while
ensuring we are doing our part to
keep others safe. There’s never been a
better time to be proud of the progress
we have made in digital banking, which
provides online and mobile access to
our customers at a time when it’s most
relevant if not necessary.
Even more fortuitous is that we find
our industry at the heart of helping our
customers to understand and have
access to the relief opportunities that
exist within the CARES Act that was
passed by Congress on March 27.
In the spirit of doing what’s right for
customers and communities, many of
us were already extending financial
assistance in the shape of forbearance
programs and reprieve in the areas of
foreclosures, repossessions and fees.
PA Bankers Association » Quarters 1 & 2, 2020 7
Now we are at the center of being
able to emerge as lending leaders
and guide our business customers
through the Paycheck Protection
Program component of the CARES
Act, helping them secure portions of
the $660 billion that is available to
help businesses keep their workforce
employed during the economic
I have heard from so many business
owners – as I’m sure you have, as well.
One of the more telling interactions
I had might be symptomatic of
hardships that many of our business
customers are facing. This was a
second-generation business owner of
a non-essential business – specifically,
an event and dining venue. He
has watched his book of business
dissolve for the foreseeable future,
as all events have been canceled.
He was dependent on the business
he historically does during Easter
weekend to pay his taxes for the year.
This year he will not open in April. This
was a formidable business -- a staple
in the community -- just one month
And it is my hope that they will
become that again – but they’ll
need help. We have the chance to
make a difference for the future of
business owners like these - and their
employees. What a privilege.
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On a call with our 1,500 First
Commonwealth Bank employees
recently, I shared that as I reflect I am
optimistic. Optimistic for the future of
our company and our industry, but also
optimistic that crises like these can
refine us and make us better. And I’m
also proud. I’m proud at how nimble
we’ve been as an industry, responding
to circumstances that we’ve never
expected. And I’m proud of how we’ve
adapted to change that, quite frankly,
none of us imagined just a month ago.
Take care of yourselves, take care of
your families, take care of each other.
8 » PA Bankers Association
want to start this column
by expressing gratitude to
all of our bankers for the
herculean efforts that you
have all provided during
this Coronavirus health crisis to
Pennsylvania’s residents, local
communities, small businesses,
working families (and the list goes
on). Our bankers have been at the
center of this emergency, providing
the financial support and confidence
to their customers, so that those
individuals can give their full
attention to their own personal health
and safety, and that of their loved
ones. On behalf of the PA Bankers
staff, we say thank you for all that you
have been doing under an immense
amount of pressure and public
The banking industry is identified
by the Department of Homeland
Security as one of 16 critical
infrastructure sectors. And I can
think of no industry that has been
more critical to this emergency than
the banking industry. How would
other essential businesses be able
to pay their personnel without the
support of their bank? How would
working families be able to pay for
food during this challenging time?
We’ll Get Through
This Together
Our bankers have stepped up their
operations to ensure that they can
continue to serve the rest of us, and
for that we say thank you.
I want to talk about the PA Bankers
staff for a moment and offer my
personal appreciation for each and
every member of our team. From day
one of COVID-19, the association staff
has worked tirelessly to ensure that
our members have the resources
necessary to do their important
work. And we will continue to offer
the support we can throughout the
remainder of this crisis, so as to assist
our banks with relevant and timely
information; ongoing government
relations representation; and overall
moral support.
I could not be prouder of the efforts
of the PA Bankers team at this time,
and I could not be more grateful
for the kind words and notes of
thanks that we have received from
our members. This PA Bankers
staff will run through a brick wall
for the membership; not for the
recognition, but because we believe
in Pennsylvania’s banking industry.
You inspire us with your selflessness,
and you motivate us by your courage.
This association is here to make our
bankers’ lives easier, and when this
is all said and done, I hope that we
have met that metric for all of you.
On Friday, March 13, we made the
decision to postpone any member
in-person interaction through the
end of March, and we made the
decision to begin testing our work-
from-home posture the following
Monday (March 16). We did not fully
realize at that time that our “test” day
would turn into our work structure
for the rest of March, April and, as of
this writing, the foreseeable future.
And, subsequently, we extended the
moratorium on in-person member
activities through the end of June.
These were the right decisions to
make. The health and safety of our
staff and our members remains my
top priority, and we will continue
to heed the guidance that we are
receiving from our federal and state
authorities to make sure that we do
our part to protect ourselves and our
neighbors from this insidious disease.
With our decision to postpone banker
events until June 30, we realized
that such a decision would impact
our annual convention—what was to
be our 125th annual meeting of the
Pennsylvania Bankers Association.
from the CEO to the CEO
President & CEO, PA Bankers Association
PA Bankers Association » Quarters 1 & 2, 2020 9
While this was a tough decision to
make on the surface, we all knew
it was the right one to make for the
health and safety of our association;
and as we have learned, ultimately
the decision was made for us. We
will come back together when this
is over and celebrate our 125-year
anniversary milestone, but for now,
we will focus on the task at hand.
I want to leave you with one personal
anecdote from this COVID-19
situation. We all may know individuals
who have been directly inflicted with
this insidious virus. And my heart
goes out to all of you who have been
personally affected by the loss of a
loved one. My personal connection
to this sickness is through a friend
of ours who lives in Montgomery
County. Mike first fell ill on March
9 with chills and a fever. Two days
later his wife and four daughters
experienced symptoms, as did
his parents and in-laws. Mike’s
symptoms worsened to where his
breathing was severely impacted.
He was rushed to the hospital and
placed on a ventilator, and for the
next 17 days, he stayed on that
ventilator and fought for his life. Mike
is home now with his family, all of
whom appear to be recovered, and
he is going to be fine.
I share this with you to underscore
the fact that no one is immune to this
virus. Mike is 43 years old and has no
pre-existing health conditions that
would make him more susceptible
than anyone else. He just happened
to be exposed to the virus in early
March when this crisis was unfolding.
Please take care of yourselves
and your families. Listen to the
professionals, and let’s all do our part
to limit the COVID-19 spread.
I want to thank you all, again, for all
that you are doing for your customers
and communities. Your PA Bankers
staff is here to support you. Please
reach out to us and let us know how
we can assist your efforts. We are
going to get through this, and we are
going to get through this together.
It takes more than good intentions to transform communities. It takes capital,
development capacity and trusted partnerships. For over 25 years, we’ve been
connected to and involved in the communities we serve. We’ve listened and
learned, and consistently turned intentions into real transformation. And with
more than $7.3 billion in community impact, our commitment to creating healthy
communities has never wavered.
The Return on Investment:
Safe, Aordable Homes. Healthy Communities. Better Lives.
Transforming Communities. Transforming Lives.
10 » PA Bankers Association
Member: FINRA and SIPC
Oklahoma City, OK | Atlanta, GA | Austin, TX | Indianapolis, IN | Long Island, NY | Salt Lake City, UT | Springfield, IL
The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc. | 800.937.2257
Successful financial institution managers
know the
importance of achieving a high-performance plan. Establishing
such a plan requires not only sound data and accurate information,
but also an insightful partner; The Baker Group is that partner.
Leaders in innovation.
The Baker Group remains the industry
leader when it comes to innovation. We are truly a one-stop
shop that never outsources our customizable reporting services.
To find out how The Baker Group can assist your institution in
defining and meeting its financial objectives, call your Baker
representative or Ryan Hayhurst at 800.937.2257.
Investment Portfolio Services
Balance Sheet Management
Public Finance
Strategic Planning
Bond Accounting and Analytics
Our Experience Will Guide Your Institution to the Next Level
High-Performing Financial
Institutions Have High-
Performing Partners
Parkland School District Education
New Tripoli Bank donated $10,000 to
the Parkland School District Education
Foundation as part of an ongoing
effort to support public education
in its community. This donation
went toward supporting educational
programs that might not otherwise
receive funding, providing the
students of Parkland School District
with the tools and skills they need to
thrive. These funds were utilized for
educational grant opportunities to
students and educators in the district,
funding academic projects that
offer enhanced and unique learning
experiences for their students.
East Penn School District Education
New Tripoli Bank donated $25,000 to
the East Penn School District (EPSD)
Education Foundation as part of an
ongoing effort to support public
education in its community. This
donation went toward refurbishing
the Macungie and Wescosville
Elementary School libraries to
Thank You for Supporting Your
Local Communities!
improve the overall function of
library spaces. The EPSD Education
Foundation plans to utilize the
donated funds to design spaces that
promote problem solving, innovation,
project-based learning, student
choice and flexibility.
Cetronia Ambulance:
New Tripoli Bank donated $10,000
to the Cetronia Ambulance Corps in
recognition of the important role this
organization plays in the health of
its community. Cetronia Ambulance
Corps is the largest community-
based nonprofit ambulance
service in Eastern PA, answering
more than 60,000 calls a year and
providing 911 service to more than
100,000 residents. It also provides
emergency response training and
education programs.
Northern Valley EMS:
New Tripoli Bank donated $10,000 to
the Northern Valley EMS, Inc. (NOVA)
in recognition of the important role
this organization plays in the health
of its community. NOVA provides
nonprofit emergency medical
services to Walnutport, Slatington
and the Townships of North
Whitehall, Washington, Heidelberg
and areas of Lowhill in Lehigh
County. It operates year-round,
24-hour ambulance services to its
community and provides emergency
response training and education
Parkland School District Education
East Penn School District Education Foundation
Cetronia Ambulance
PA Bankers Association » Quarters 1 & 2, 2020 11
Member: FINRA and SIPC
Oklahoma City, OK | Atlanta, GA | Austin, TX | Indianapolis, IN | Long Island, NY | Salt Lake City, UT | Springfield, IL
The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc. | 800.937.2257
Successful financial institution managers
know the
importance of achieving a high-performance plan. Establishing
such a plan requires not only sound data and accurate information,
but also an insightful partner; The Baker Group is that partner.
Leaders in innovation.
The Baker Group remains the industry
leader when it comes to innovation. We are truly a one-stop
shop that never outsources our customizable reporting services.
To find out how The Baker Group can assist your institution in
defining and meeting its financial objectives, call your Baker
representative or Ryan Hayhurst at 800.937.2257.
Investment Portfolio Services
Balance Sheet Management
Public Finance
Strategic Planning
Bond Accounting and Analytics
Our Experience Will Guide Your Institution to the Next Level
High-Performing Financial
Institutions Have High-
Performing Partners
12 » PA Bankers Association
Philadelphia Ronald McDonald House:
Univest Financial teamed up with the Philadelphia Ronald McDonald House
(PRMH) for its Show Your Stripes campaign, raising $6,650 for PRMH’s mission of
supporting families of seriously ill children by creating a community of comfort
and hope. The money was raised through the sale of iconic red and white striped
socks in all 39 of Univest’s financial centers.
Kisses for Kyle Foundation:
Univest Financial announced Kisses for Kyle Foundation as the winner of its
eighth annual Caring for Community Giveaway, a contest that awards $5,000
to a local nonprofit organization.
Kisses for Kyle offers a variety of
services to families fighting childhood
cancer in the Delaware Valley.
Founded in 2001, Kisses for Kyle
currently assists more than 1,300
family members with a variety of
programs, services and special family
events. The Foundation’s mission is
to minimize stress in the hopes that
each family’s focus can remain on
what is most important: caring for
their children. Kisses for Kyle plans to
use the $5,000 donation to support
its scholarship program that awards
financial assistance to students who
battled childhood cancer and plan
to pursue a degree in a field that will
help other children with cancer.
Mountain Top Area Little League:
Last year, FNCB Bank supported
the community with a $10,000
grant awarded to the Mountain Top
Area Little League for the purchase
a scoreboard at the recently
renovated Frank R. Orloski Field.
Mountain Top Area Little League
Philadelphia Ronald McDonald House
Kisses for Kyle Foundation
PA Bankers Association » Quarters 1 & 2, 2020 13
Pottsville Police Bureau:
Riverview Bank donated $7,585 late last year to the Pottsville Police Bureau.
This contribution will allow the bureau to purchase in-car video systems,
first-aid equipment and other safety equipment necessary to increase safety in
the communities served and mitigate risk within the police force.
Over $200,000 in EITC Invested:
Riverview Bank and its operating divisions of CBT Bank and Citizens
Neighborhood Bank donated over $200,000 in EITC funds late last year to local
community organizations, including: Northern Dauphin County YMCA, Schuylkill
Chamber Foundation, Reading Public Museum, Ned Smith Center for Nature
and Art, Children’s Aid Home of Somerset County, Schuylkill YMCA, Curwensville
Area School District Educational Foundation, Blue Mountain Eagle Foundation,
Mount Union Library, Wyomissing Area Education Foundation, State College Area
School District Education Foundation, Cumberland County Library System, Boys
and Girls Club of Allentown and Exeter Community Education Foundation.
Wayne County Public Library:
The Dime Bank contributed $24,000
to the Wayne County Public
Library toward approved innovative
educational programs. The libraries
of Wayne County strive to support
students in the three local school
districts, as well as homeschooled
students, to ensure they get the
help they need to improve their
grades, increase their confidence
and encourage them to expand their
educational explorations.
Pottsville Police Bureau
Wayne County Public Library
Do you have hometown happenings
that you'd like to share?
Send your bank's community news to Courtney Young, PA Bankers'
communications & marketing coordinator (,
for a chance to be featured in paBanker Magazine or on
PA Bankers' social media channels and website.
14 » PA Bankers Association
Wayne Pike SHINE Afterschool Program:
The Dime Bank contributed $1,000 to the Wayne Pike SHINE (Schools and
Homes in Education) Afterschool Program. This new program serves students
in the school districts of Wallenpaupack Area, Western Wayne and Wayne
Highlands. The goal of SHINE is to improve academic performance, behavior
and attendance; increase knowledge in science, technology, engineering and
mathematics principles; and increase family involvement in student learning and
family literacy.
Greater Pike Community Foundation
The Dime Bank donated $5,000 to the Greater Pike County Community
Foundation (GPCF) through the EITC program. Through the GPCF, the EITC
Program provides significant funding for innovative educational programming
enhancements in Science, Technology, Engineering and Math (STEM) at
Delaware Valley School District (DVSD). The funding will continue to support
MakerSpace laboratory and summer science camp as well as help kick-off a new
after school LEGO-based computer coding club for elementary school students.
This new program will explore hands-on learning and have a large impact on the
students’ education and preparation for an increasingly technology-based world.
Greater Pike Community Foundation
Wayne Pike SHINE Afterschool Program
YWCA Pottstown:
On Sept. 11, the Berks Lancaster
Branch Manager team assisted
in helping a teacher at YWCA
Pottstown to make her classroom
more effective and efficient
for her students to get their art
supplies and games. The YWCA
is an organization that empowers
women and allows women to be
in the workforce and still be a
parent. They provide services for
early education, adult education,
workforce development and many
other services that assist in the
growth of the community.
Harrisburg Habitat for Humanity:
The Mid Central Wells Fargo team
conducted two builds with the
Harrisburg Habitat for Humanity
late last year. Team members
worked to convert an older home
into a duplex set to provide homes
to multiple families.
YWCA Pottstown
Harrisburg Habitat for Humanity
PA Bankers Association » Quarters 1 & 2, 2020 15
NEW TO PA Bankers
Affiliate Members:
Blanchard Consulting Group
Borden Perlman
Cash Connect - Innovating Cash Logistics
Concurrent Technologies Corporation
Dilworth Paxson
OTC Markets Group, Inc.
Associate Members:
Synchrony Bank
Financial Institutions:
Jonestown Bank and Trust Company
Communications & Marketing
Courtney Young
“I grew up in Newport, just 30
minutes from Harrisburg, and
graduated from Susquehanna
University last May with a
degree in Public Relations.
I enjoy going to the beach,
a good baseball game and
anything that involves eating
some good food. My favorite thing about working at
the PA Bankers Association so far is all of my friendly
coworkers who are always willing to lend a helping
hand to the newbie. I look forward to learning more
about the banking industry and creating lasting
relationships with members and vendors.
16 » PA Bankers Association
Helping Harvest Food Bank:
Last year, several Wells Fargo
teams volunteered at the Helping
Harvest Food Bank. The mission
of Helping Harvest is to feed the
hungry by acquiring and distributing
food to more than 300 charitable
food programs. Team members
were busy boxing food and
supplies for families in need in
Berks, Schuylkill and western
Montgomery counties.
Boys & Girls Club of Lancaster:
Last year, Wells Fargo team
members from the Berks/Lancaster
branches volunteered with the Boys
& Girls Club of Lancaster at Camp
Hogan. The volunteers worked with
the kids during their team building,
art and music sessions. They played
games, danced, and helped the kids
to make their own puzzles.
Toys for Tots of the Lehigh Valley:
The Neffs National Bank donated 10 boxes and three bicycles to the local Toys
for Tots Allentown. Items collected include stuffed animals, dolls, monster trucks,
toy cars, board games and books. Donations were received as a collective effort
by the bank employees, customers, local businesses and the community.
Penn State Cancer Institute:
Mid Penn Bank employees completed their fourth annual “No Shave November”
challenge in 2019 and raised $45,000 for the Division of Urology at Penn State
Cancer Institute. The campaign, which supports prostate cancer research, rallied
financial support by employees during the month of November. It also created
awareness for this worthy cause by encouraging male employees to grow their
facial hair. All donations raised will benefit prostate cancer research performed
by Jay D. Raman, M.D., chief of the Division of Urology at Penn State Health
Milton S. Hershey Medical Center.
Penn State Cancer Institute:
Toys for Tots of the Lehigh Valley
Helping Harvest Food Bank
Boys & Girls Club of Lancaster
PA Bankers Association » Quarters 1 & 2, 2020 17
Unlike most accounting and consulting firms that “work in banking,S.R. Snodgrass works
only in banking. Every hour of every day, every week, every month, every year. In fact, no other
accounting and consulting firm possesses greater knowledge of community bank needs,
challenges and opportunities than S.R. Snodgrass. And for the more than 70 years since
our founding, we’ve been helping independent community banks while remaining steadfastly
independent ourselves. If you think our unique blend of unrivaled banking expertise and
personalized service could benefit your bank, please allow us to introduce ourselves. We’d be
delighted to meet you.
A recent survey revealed some impressive quotes
from our banking industry clients. At S.R. Snodgrass,
there is no greater spokesperson than a client whose
expectations we’ve consistently exceeded.
(833) 404-0344
18 » PA Bankers Association
Year in Review
PA Bankers successfully advocated for an exclusion from sales
and use tax (SUT) of canned computer software purchased by
Pa. Dept. of Revenue (DOR),
DOR to ensure that taxpayers still
had due process rights
2019 PaBPAC State
TOTAL... $441,761.98
Government Relations:
Number of attendees
at PA Bankers’
conferences, seminars
and annual convention
Number of webinars
taken through
Total Training Solutions
Number of attendees at
PA Bankers’
ABA trainings
PA Bankers Association » Quarters 1 & 2, 2020 19
 61
 81
Total returned to the
association in FY18-19
(personnel/facilities, logo licensing and sponsorships)
Amount raised through
charitable jeans days -
American Heart Association
American Melanoma Foundation
Central PA Food Bank
Colon Cancer Foundation
Crohns and Colitis Foundation
Cystic Fibrosis
Earthly Angels Local Autism
Services Group
Hospice of Central PA
Hummingbird Program
Hydrocephalus Association
Ronald McDonald House
Vista School
Number of
Number of
PA Bankers
Number of
Member Financial
Number of Aliate
1,715 1,801 1,947
20 » PA Bankers Association
Winner #1:
Winner #2:
to all five winners, and thank you for supporting your colleagues, institutions and communities!
In celebration of the diversity and strength
of Pennsylvania’s banking industry, we were
pleased to honor five professionals with the
Women in Banking Recognition of Excellence
Awards at the seventh-annual Women in
Banking Conference earlier this year.
Women in
Recognition of Excellence Awards
Jim Jarrett, Director | +1 267-670-2376 |
Ivan Cilik, Partner | +1 412-697-6480 |
We’re here for you now, for tomorrow.
During this uncertain time, Baker Tilly is ready to help you with practical advice to support
your banking institution and help keep your business running. We’ve created a Banking
Industry Coronavirus Resource Center for information and tools to assist you. Visit our website
or contact one of our Value Architects™ today.
advisory. tax. assurance.
Baker Tilly Virchow Krause, LLP trading as Baker Tilly is a member of the global network of Baker Tilly International Ltd., the
members of which are separate and independent legal entities. © 2020 Baker Tilly Virchow Krause, LLP
22 » PA Bankers Association
aving the honor and responsibility of serving
on the boards of Penn Community Bank, the
Pennsylvania Bankers Association and FHLBank
Pittsburgh, I have spent time with my fellow
board members, focusing on the issues of diversity and
inclusion. Though different, these two issues are inherently
Diversity involves attracting and retaining individuals
whose broad spectrum of backgrounds, experiences and
perspectives contribute to new and innovative ideas and
challenge the status quo. Inclusion creates a welcoming
environment that can focus these varied backgrounds and
perspectives toward a shared mission.
The role of any Board of Directors is to provide guidance
in establishing organizational strategy and setting
expectations for management. This includes assuring that
diversity and inclusion efforts are part of organizational
strategy. It is a responsibility that will benefit the
Decades of research show that a strategic approach to
diversity and inclusion drives performance. Specifically,
the results of extensive studies by global management
firms like Bain & Company, Boston Consulting Group and
McKinsey & Company detail the meaningful impact of
effective diversity and inclusion efforts on a broad range of
performance metrics.
For example, McKinsey & Company found that organizations
with the most ethnically and culturally diverse boards
are 43 percent more likely to experience higher profits.
Similarly, companies with executive teams in the top
quartile of racial and ethnic diversity are 33 percent more
likely to have industry-leading profitability, while those in
the top quartile of gender diversity are 21 percent more
likely to outperform on profitability.
Diversity and inclusion is a strategic imperative. The manner
in which it is embedded within a strategic plan has direct
implications on performance and financial results.
Pennsylvania bankers face barriers to building a diverse
business environment within our institutions. Despite
the benefits created by fostering a diverse and inclusive
work environment at all levels, including at the board and
executive levels, the banking industry in Pennsylvania
faces substantive challenges as it strives to identify and
develop diverse talent. While 2018 Census data indicate
that minorities represent nearly 40 percent of the U.S.
population, minorities comprise less than 25 percent of
Pennsylvania’s total population.
The 2017 data compiled by the Equal Employment
Opportunity Commission for the Finance and Insurance
Industry across the U.S. show that women hold nearly
34 percent of executive and senior-level positions. That
number falls to less than 25 percent in Pennsylvania.
Similarly, the data show that minorities hold roughly 17
percent of executive and senior-level positions across
the U.S., while minorities represent only seven percent in
The lack of diversity in our region’s population is also
evidenced in the makeup of boards and management
teams. The 2018 data from SNL Banker indicates that 18
percent of CEOs, COOs and CFOs at Pennsylvania banks
are women, while 20 percent are diverse. The numbers
are even more challenging at the board level, with
women comprising only 15 percent of Pennsylvania
bank boards.
Driving the Strategy:
A Board’s Role in Diversity
and Inclusion
PA Bankers Association » Quarters 1 & 2, 2020 23
Our work is cut out for us. The benefits of diverse and
inclusive cultures are clear, but our region presents
challenges in building such cultures within our
organizations. To make progress, we must think creatively
and leverage new networks.
At FHLBank Pittsburgh, we are committed to working
with our members to attract more diversity into their
organizations. Because FHLBank Pittsburgh is a
cooperative owned by its member institutions, the makeup
of our Board is largely determined by the makeup of
our members’ boards and executive teams. As a result,
the diversity of those leading our Pennsylvania banks
creates the pipeline of diverse talent available to serve on
FHLBank Pittsburgh’s Board.
One of the most effective ways to build a diverse talent
pipeline is to foster relationships with local and regional
organizations that promote diversity at the executive
level. FHLBank Pittsburgh maintains relationships
with more than 50 such organizations. One example is
our ongoing relationship with the Forum of Executive
Women of Philadelphia, which has resulted in the
addition of four women as independent directors of
FHLBank Pittsburgh.
We would welcome the opportunity to introduce our
members to the various organizations that have helped us
identify diverse talent across our region.
While a diverse business culture is essential, it alone is
not sufficient. The board also has a responsibility to set
expectations regarding inclusivity.
It is through a welcoming and inclusive environment that
all talent can realize their full potential and maximize their
contributions. Inclusiveness can be facilitated through
a variety of initiatives, including training, workshops,
mentoring, employee resource groups and ongoing
partnerships with external organizations and community
groups. Every organization needs to develop a customized
strategy that will effectively address its unique needs. The
board, in turn, should champion efforts to embed inclusion
within the organization’s overall strategy.
At FHLBank Pittsburgh, we have implemented numerous
initiatives to support our comprehensive diversity and
inclusion strategy, but we recognize that our journey is just
beginning. We continue to seek ways to identify diverse
talent for our Board while strengthening the organizational
framework which supports that talent in driving strategy. As
of Jan. 1, 2020, our Board is 44 percent diverse.
Our industry is competing with other financial services
providers, technology firms and a multitude of other
businesses to attract talent. Everything we do to support
the development of diverse leaders within our organizations
positions us for future success.
We have a responsibility within our industry to promote
and publicize opportunities to serve on our boards. A lack
of awareness and the visibility of some networks often
lead women and minority candidates to serve on nonprofit
boards when their expertise, skill sets and perspectives
could provide tremendous value to our institutions.
The challenges we face are complex, yet the path to
overcoming those challenges is clear. It begins with the
strategy we set.
24 » PA Bankers Association
remember a speech given by
at the New York Bankers
Association Convention back in
the fall of 2009. It was approximately
a year after the real estate debacle
which culminated in September 2008
and caused what we now know as the
great recession.
Mr. Dimon recalled how his daughter,
who was in college at that time, had
asked him three questions, (1) Dad,
aren’t you scared and afraid, (2) will
the country ever be the same and (3)
what can you, or anyone do about the
then current situation?
His response was unexpected and
telling. 
 Isn’t that
He went on to say that during his post
college adult lifetime and throughout
his career, he had witnessed many
difficult and sometimes tragic events
that in most cases changed the
direction of business and often the
world as we knew it.
He began by talking about the oil
 when
we impatiently waited in lines to get
gas for our automobiles. I specifically
remember this time because it
occurred while I was in college.
He then talked about 
. I
remember getting my first mortgage
at a rate of 14.5 percent and thinking
I got a bargain. I certainly didn’t mind
the 12-percent CDs or Money Market
accounts back then, and I would like
to have one of those today.
He went on to speak about the late
This was the result
of the changing of the ground rules
as they related to goodwill. The
dispute boiled down to an accounting
incentive for goodwill that the
government provided to thrifts in the
early to mid-1980s to persuade them
to acquire insolvent savings and loans.
But unlike the traditional accounting
designation of goodwill found in
the billions of dollars on the books
of most companies, government
regulators came up with something
they called “supervisory goodwill” to
encourage healthy thrifts to take over
failed institutions.
Under the government’s plan,
regulators estimated the difference
between the value of a failed thrift’s
liabilities and its assets, creating
illusory “supervisory goodwill.
Healthy thrifts were told to place that
amount as an asset on their balance
sheets if they agreed to acquire the
failed S&Ls. Regulators then told the
thrifts they could have 40 years to
amortize, or write off, the goodwill.
However, in 1989, Congress passed
a law requiring the thrifts to slash
the amortization period to five years.
Taking this much larger annual write-
off lowered capital below regulatory
minimums at many institutions that
had acquired struggling thrifts. As
a result, numerous thrifts suddenly
found themselves teetering on the
brink of insolvency and many failed.
Next came the 
 which
proved costly for the financial and real
estate development communities in
North America. While several banks
failed in the United States, the larger,
diversified banks of Canada did not
fail, but suffered through drastic
reductions in credit and significant
losses in loan portfolios. Meanwhile,
the failure of global developers and
one of the largest bankruptcies in the
What’s the Next Crisis?
PA Bankers Association » Quarters 1 & 2, 2020 25
United States, proved to be a case
study for the riskiness of the industry
and the degree to which the financial
community once again failed to
maintain sound underwriting.
Shortly after came the 
the), which was
a stock market bubblecausedby
excessive speculationinInternet-
related companies in the late 1990s,
a period of massive growth in the use
and adoption of the Internet. Between
1995 and its peak in March 2000, the
Nasdaq Composite stock market
indexrose400 percent only to fall
78 percent from its peak by October
2002, giving up all its gains during the
In the middle of the dot-com bubble,
was . Need
I say any more about this event? And
So then, the obvious question that
came from the audience was, 
When pressed for an answer, his
response was a 
That seemed to make sense at the
We may also find that the things we
learn during a crisis might change
the way we do things in the future.
For instance, I recently spent an
entire week doing strategic planning
interviews for a client using Microsoft
Teams. Guess what, it worked great.
In the future we might choose to do
all interviews this way.
In addition, while I have in the past
used my iPhone to deposit a check,
I’m wondering why I don’t do this all
the time. I’m also not using cash like
I used to.
As financial institutions, we have a
significant obligation to 
 The decisions we
One other item. Right after 9/11, I had
the opportunity to speak with the great
writer Doris Kearns Goodwin. I believe
she had just finished her book about
Abraham Lincoln. I asked her if this was
possibly the worst time in history. She
had an interesting response. She said,
“It only feels that way because we are
in the middle of living through it.
She went on to say, “Imagine how the
world felt in the 1930s as Hitler began
to dominate Europe. Today we have
the benefit of knowing the ending -
that Hitler failed, the war ended, and
life moved on. Someday, we’ll look at
9/11 the same way.
time, and certainly in the years that
followed, as we’ve dealt with and
observed the likes of Target, Sony
Pictures, TJ Max and Wawa to name
a few. In fact, there have likely been
over 300 major breaches in the past
10 years.
Well, 
, but given history, I’d bet
something is going to happen within,
or around the next 10 years. What’s it
going to be? Your guess is as good as
mine. 
As 
stated in a recent article, “Before a
crisis strikes, business owners should
think about how a disaster would
impact employees, customers, business
partners, the general public and their
companies. A crisis can strike any
company, anytime and anywhere.
Advanced planning is the key to
• Have a plan;
• Identify a contact or spokesperson;
• Be honest and open;
• Keep employees informed;
• Communicate with customers
and business partners;
• Update early and often; and
• Don’t forget social media.
26 » PA Bankers Association
he global pandemic has
struck terror into the hearts
of nearly everyone. Business
leaders and board members
are reeling from the rapid
impact on their organizations, across
public companies, small businesses,
nonprofit organizations and more.
Everyone has been affected.
One of the less discussed impacts,
which is shaking boardrooms and
executive suites, is the issue of
leadership succession. Deciding
who leads is a board’s most critical
responsibility. While proactive
succession planning has long been
a best practice, too many institutions
still do not emphasize leadership
succession seriously enough or
review their plans often enough. And
now, with the scourge of COVID-19
upon us, organizations and boards
are quickly taking a long, hard look
at the quality and quantity of their
succession plans.
One only needs to review the
headlines to know that the issue of
succession has reared its head again
due to Covid-19. British Prime Minister
Boris Johnson is infected. The CEOs
of Altria, British Telecom and Madison
Square Garden have all confirmed
their infections. Jeffries & Co. CFO
Peg Broadbent sadly died from his
Coronavirus infection. Even before
COVID-19, consider that only in recent
days did JP Morgan CEO Jamie Dimon
return to work from a month-long
absence, after emergency surgery for
a major heart condition. Succession
is always a serious matter, and never
more so than today, when a random
and unseen enemy could impact
anyone at any time.
What is a board or incumbent
leader to do, particularly in more
entrepreneurial organizations without
a deep bench of talent? Here are a
few key strategies:
 Designate an emergency
successor immediately. There
should always be someone
appointed to keep the train on the
tracks in times of crisis. This also
allows those in control (owners
or directors) a bit of time to
formulate a long-term leadership
 Review succession plans for all
C-Suite and Key Executive roles
(CEO, CFO, COO, etc.) with regular
frequency. Regular means no less
than annually on a formal basis,
and more frequently if a planned
orderly transition—such as a CEO
retirement—is coming in the not-
too-distant future.
 Take a good look at existing talent
development plans across your
organization, especially those
2-3 levels below the top. What is
being done to develop, coach,
mentor, and strengthen the skills
and leadership competencies of
high potential talent within the
institution? These employees are
your most valuable workers, and
the ones with the most career
options. Are you truly taking care
of their needs while also serving
the organization’s future?
 Centralize efforts at talent
attraction, retention and
development across the
organization. Succession is a
multi-faceted endeavor and
needs some level of consistent
oversight to make sure that key
players are not falling through the
cracks or being shortchanged.
It happens all too often, and
perceived greater career upside
is the single biggest reason why
a high potential often leaves. Do
in a COVID-19 World
PA Bankers Association » Quarters 1 & 2, 2020 27
We are #PABankersProud of the essential services
you provide each and every day. Thank you.
you have a strategic HR leader to
assist with these efforts?
 Lastly, pay personal attention
to those up-and-comers. If
you’re a leader, whether the
CEO, General Manager, Owner
or C-Suite Executive, it’s your
personal involvement with
high potentials that makes
them inclined to stick around.
Let your rising stars know that
they have a bright future, and
that you have plans for them.
Communicating regularly does
more than almost anything to
keep them in the fold. Then
challenge them with special
projects, new assignments, and
out-of-the-box opportunities,
to test them and to help them
Two-thirds of our current CEO
succession projects arose from
unplanned openings at the top—and
this was before COVID-19’s full onset.
We see such leadership transitions
all the time in our business, and
companies should work to minimize
the impact of unforeseen leadership
changes. Smooth transitions of
power from within an organization
are the least disruptive and are
typically most effective when the
rising talent has been well prepared.
Unfortunately, unexpected things
happen, and organizations need to
be ready for leadership succession
in good times and bad. Hopefully
one of the lessons from this
global pandemic will be that more
institutions will strengthen their
succession planning efforts, to better
protect themselves in the future.
PA Bankers
28 » PA Bankers Association
he coronavirus pandemic
has accelerated the need
for more advanced online
banking capabilities and
mobile banking platforms.
Prior to the outbreak, the switch to a
more technology-focused industry
was likely to occur more gradually
because of changing demographics
along with the broader customer
acceptance of technology across
many different businesses. For
many community banks, technology
investments to date were mainly
defensive and included high
cybersecurity expenditures. The
increased use of technology, however,
will be more dynamic and focused
on improving customer experience to
help attract new business and drive
 The Covid-19 crisis changed
our way of life and business
overnight. Disruptions caused
by the coronavirus outbreak
are likely to permanently
change the community banking
model due to both new-found
customer acceptance of
fintech-driven solutions and the
growing economic impact of the
Millennial Generation.
 Virtual banking for virtually
everything. The “new normal”
for community banks will
be comprehensive delivery
platforms where nearly
all products and services
can be offered through
mobile applications or other
technology-driven solutions.
Many community banks will find
it practical to partner with large
institutions to provide white
label products for customers.
 Fintech investments are not
a one-time cost. Community
banks will need to continually
invest human resources and
money in technology to meet
shifting customer demands.
 Customers come first. Banks
that are unable to meet
expectations will likely lose
customers to other banks or
fintech substitutes that can fulfill
growing technological needs.
Prior to the coronavirus outbreak,
customer expectations were already
changing as the technology-focused
Millennial and Z Generations gained
significant economic power and
moved onto banks’ radar screens.
In order to retain and gain new
customers of these generations,
banks needed to adapt their
priorities to address the needs and
expectations of this demographic,
which differ from those of the typical
bank customer of the last several
decades. These expectations largely
centered on, and continue to revolve
around, different means to make
everyday tasks more convenient. This
breed of customer has a life that runs
on technology, namely a smartphone,
and has little-to-no interest in more
traditional activities such as visiting
physical branches or writing and
cashing checks. To accommodate
these customers, banks began to
invest in technology and build out
mobile banking platforms in an effort
to create a more convenient banking
experience. This shift in expectations
started to point towards a “new
normal” for the industry – the ability
to replicate all banking activities on a
mobile application or website.
Now that the entire country is forced
into quarantine, all businesses and
individuals regardless of banking
preference must “bank like Millennials
and Gen Z”. As customers increase
their use of these technological
platforms during quarantine, demand
for mobile products and services is
likely to grow as customers become
accustomed to the technology and
see its benefits in creating a more
convenient banking experience. 
 A current
example of this trend is the Paycheck
Protection Program (“PPP”). In order
to help its small business clients,
a bank must have the technology
in place to receive and process
applications and then communicate
this information to the Small Business
Administration. PPP is specific to the
coronavirus situation but following
the outbreak, many customers will
PNC Financial Institutions Group
The New Normal: Embrace FinTech to
Meet Customer Needs
“Change is the law of life. And those who look only to the past or present are certain to miss the future.- John Fitzgerald Kennedy
PA Bankers Association » Quarters 1 & 2, 2020 29
Brian is focused on M&A and capital raising with community banks.
Rick is focused on bank strategy. Rick has over 35 years’ experience in the community banking space
serving as an equity research analyst, M&A banker and federal examiner.
prefer the convenience of the online
process and opt for a bank where they
can apply for loans virtually instead of
having to travel to a branch. Another
example is client interaction with
customer service virtually instead of
over the phone. Offering the ability
to share a desktop screen with a
customer and walk them through
a solution virtually could be a large
value-add for banks moving forward
and become the expectation of a
customer when interacting with its
respective bank.
The Covid-19 crisis caused
financial institutions to quickly dust
off business continuity plans and put
them into action quickly. Adding to the
disruption were heightened security
concerns that fraudsters would take
advantage of the crisis to launch
an attack. An example was when a
major Fintech provider experienced
a ransomware attack and needed to
take servers offline. PNC was able
to step in and provide backup funds
transfer processing for its clients.
By establishing a simple framework
in advance, institutions such as PNC
can provide ACH and wire transfer
contingency services. This framework
consists of an account, the PINACLE
portal set up with a larger institution,
along with periodic file testing. By
setting up Real Time Payments
(RTP), your bank can have a payment
backup for your bank’s own accounts
payable process. RTP transaction
limits have been increased to
$100,000 per transaction.
With greater demand for more
advanced technology platforms,
banks of all sizes should evaluate
their technology. The “new normal”
is approaching quickly, and banks
will have to adopt the technology-
centered reality. In order to keep
pace with larger banking institutions
and emerging fintech companies,
banks will have to invest substantially
in fintech, whether it be organically
or through a partnership with another
company. 
Options to keep pace with the
technological needs of customers
include (1) invest internally to build-
out a mobile banking platform, which
includes a mobile banking website
and smartphone application; (2)
partner with a fintech company whose
products can be used to enhance
the customer experience; (3) partner
with a larger financial institution that
can be used as a contingency service
should a bank’s fintech partner
experience failures (i.e. wire transfers)
and also be a provider of certain
capabilities they have already adopted
(i.e. real time payments); (4) and
increase scale through M&A in order
to facilitate increased investment in
fintech – higher earnings to fund the
investment and a wider cost base to
spread the investment over.
the securities or instruments that are the subject of or mentioned in this material for its own account for resale to clients and, as a result, may have an ownership
of PNCCM makes any guaranty or warranty as to its reliability or accuracy.
any respect in connection with providing this information, and no information or material contained herein is to be construed as either projections or predictions.
Past performance is not indicative of future results.
PNCCM is a member of FINRA and SIPC, and is a wholly owned subsidiary of The PNC Financial Services Group, Inc. (“PNC”).
Investment banking and capital markets activities are conducted by PNC through its subsidiaries PNC Bank, National Association, PNCCM, Harris Williams LLC,
trading are provided by PNCCM.
30 » PA Bankers Association
Together, we raised
$441.761.98 – a new record.
Through PaBPAC, our political advocacy
strategy intensifies, as the industry
can speak with one voice.
Thank you for your unbelievable support in 2019!
Thank You!
Achieve competitive pricing and agreeable business
terms in your bank’s vendor technology contract.
Realize Savings. Be in Control. Save Time.
Together we negotiate an outcome you can trust.
Be the HERO of your contract
negotiation when you SAVE
your bank money
Jennifer Wagner
Director, Client Relationships
32 » PA Bankers Association
ast year marked incredible
progress on the issue
of cannabis banking in
Congress. In a single year,
the SAFE Banking Act,
which specifies that proceeds
from cannabis-related legitimate
businesses would not be considered
unlawful under federal money
laundering rules or other laws and
would direct regulators to issue
guidance and exam procedures
for banks that serve cannabis-
related legitimate businesses,
went from never having received a
hearing to passing the U.S. House
of Representatives on a broad
bipartisan vote. Even the Chairman
of the Senate Banking Committee,
a conservative Republican from
Idaho (one of only three states that
still outlaws cannabis in any form)
seemed bought into the need for
a banking fix, holding a hearing on
the issue in July and indicating his
intention to move the bill before the
end of the year.
There were several reasons for the
bill’s sudden momentum after five
years of languishing in committee
– the most direct was Democrats
taking control of the House and
therefore the Chairmanship of the
Banking Committee and control over
that committee’s agenda. But equally
important was the focused advocacy
by the financial services industry,
as well as voices from the broader
business and law enforcement
communities, which stitched together
broad bipartisan support for the bill
by explaining that banking access
would make cannabis businesses
safer, bring more transparency and
accountability to the industry and
better protect communities. Those
are goals that resonate on both sides
of the aisle, and that propelled the
bill through committee and floor
votes with compelling bipartisan
But the future of the SAFE Banking
Act is far from certain. Despite his
professed interest in moving the bill
through his committee, on December
18, the Chairman of the Senate
Banking Committee issued a memo
outlining his concerns with the SAFE
Banking Act and requesting public
comment on five areas where he
thought the bill should be amended.
The memo caught many cannabis
banking advocates off guard.
Although Chairman Crapo had raised
many of the concerns outlined in
the memo before, the timing of the
release, coupled with the potential
introduction of potency standards
into the banking safe harbor,
suggested that the momentum
behind the bill had waned, and the
issue was no longer likely to advance
out of the Senate Banking Committee
this Congress.
But that may not be the case. The
issues raised in the memo were
potency and public health standards,
controls around legacy cash and
money laundering, interstate
commerce, hemp, and Operation
Choke Point. Several of those
concerns are areas that the American
Bankers Association and others have
been working with the committee to
address – including tightening the
language around verifying legacy
cash and reporting suspicious activity
to FinCEN. The American Bankers
Association shares the committee’s
dedication to preventing bad actors
from laundering illegal proceeds into
the financial system, and questions
surrounding the appropriate
application of banking regulations
to the cannabis industry can be
resolved through a combination
of statutory protection for financial
institutions and clear direction from
FinCEN. There is no reason that these
issues could not be expeditiously
resolved to the satisfaction of all
In regard to interstate commerce,
the bill as drafted would not change
the status of cannabis at the federal
level; it respects state sovereignty
and does not facilitate cannabis sales
in states that have chosen not to
legalize it. By separating the act of
selling cannabis from the treatment
of the proceeds of the sale, the bill
enables banks and other businesses
to accept deposits and payments
from a cannabis business operating
in compliance with state law, without
granting federal protection for
interstate commerce of the drug
itself. Hemp and Operation Choke
Point likewise present surmountable
challenges. The House-approved
hemp language received broad
bipartisan support and helps ensure
that banks receive the clarity they
need in order to fully serve the hemp
industry – its proposed inclusion in
the Senate version is likely to receive
similar bipartisan support. The House
version also included language to
curb potential future Choke Point
scenarios by codifying existing
practice at the federal banking
ABA Update on Cannabis Banking
PA Bankers Association » Quarters 1 & 2, 2020 33
agencies to ensure that regulators
do not inappropriately limit access
to vital financial services for specific
customers or groups of customers. It
is our hope that a similar agreement
on language to address concerns
about Operation Choke Point can be
reached in the Senate.
The primary challenges to the
viability of the SAFE Banking Act
come from the potential inclusion of
non-banking related public policy
issues – like THC potency, product
disclosures and age restrictions, as a
requirement for banks to do business
with legally-operating state cannabis
companies, and the likely delay that
such a proposal will cause in plans to
bring the bill before the committee.
As a threshold matter, the SAFE
Banking Act is not the appropriate
vehicle to address non-banking
related cannabis policy challenges.
Any attempt to regulate the state
cannabis industry through its banking
relationships sets a dangerous
precedent for using access to
banking services as a method to
control the behavior and activity of
an unrelated industry. Moreover,
the SAFE Banking Act enjoys broad
bipartisan support in large part
because it declines to dabble in
broader questions of cannabis policy
and instead maintains a narrow
focus on getting state-sanctioned
cannabis cash off the streets and into
regulated financial institutions, where
it will be safer and more transparent
to regulators and law enforcement.
It will be critical to convince the
committee that the opportunity
to address the public safety, tax
collection and regulatory oversight
challenges through a narrow banking
fix should not be put on hold while
Congress debates broader cannabis
policy issues, and that quickly
advancing this solution will reap real
and immediate benefits for our local
communities and their economies.
The secondary, but vitally important
concern is timing. Although small,
there is still a window for action
in the Senate Banking Committee
after the Impeachment proceedings
wrap up and before the 2020
election consumes all other
political momentum. In order for
the bill to make that window, we
will need to reignite engagement
from the diverse coalition of
groups that helped generate the
broad bipartisan support the bill
received in the House. That means
loud, persistent and consistent
messaging about the importance
of this measure from banks, credit
unions, insurance companies, law
enforcement groups, state officials,
patients, consumers and businesses
– especially the non-cannabis
businesses that are being caught
up in the current divide between
state and federal law as a result
of providing goods or services to
cannabis businesses. We need to
drive home for lawmakers that the
SAFE Banking Act is not a cannabis
legalization bill – it is a narrowly
tailored banking bill designed to
improve public safety and address
the disruption to local economies
caused by the federal prohibition on
banking cannabis-related proceeds.
The comment period for the Dec.
18 memo will close at the end of
February. It is important that bankers
reach out to their Senators, either
through a formal comment to the
committee or simply by picking
up the phone or sending an email,
to convey the urgency behind
enacting the SAFE Banking Act.
Twenty nineteen brought a cannabis
banking solution into the realm of the
possible, let’s make sure 2020 ushers
it across the finish line.
34 » PA Bankers Association
transfer of $21 million from
the Banking Fund was made
to the General Fund in 2018
under the authority granted
in Act 44 of 2017.
On Nov. 15, 2019, the Office of the
Budget published a notice in the
Pennsylvania Bulletin directing another
transfer of $21 million from the Banking
Fund to augment the operations of
the Department of Conservation and
Natural Resources and the Department
of Environmental Protection pursuant
to section 1726-K(g) of the Fiscal Code
(72 P.S. § 1726-K) enacted by Act 20 of
2019. This transfer was later made on
Jan. 28, 2020.
PA Bankers believes that regulatory
assessments paid by financial
institutions should be used to support
the operations of the Department of
Banking and Securities and should
not be used to support general
government operations or to augment
appropriations unrelated to the
purposes for which the assessments
were imposed. In addition, such
transfers diminish the value of the
state charter and threaten the dual
banking system in Pennsylvania.
Many of PA Bankers members are
state-chartered and regulated by the PA
Dept. of Banking and Securities (DoBS).
They pay semi-annual assessments
to the DoBS which are then paid into
the Banking Fund to administer that
department and, if needed, resolve
the seizure or liquidation of a non-
federally insured institution (e.g., a non-
depository trust company) using the
Fund’s Institution Resolution Restricted
Account (IRRA). The money from this
Fund is also used to pay for examination
of state-chartered institutions.
These assessments are regulatory
fees paid in addition to state and local
taxes paid by those of our members
which are subject to bank shares,
corporate net income, mutual thrift
institution, sales and use, employment
and real estate taxes.
PA Bankers, along with the PA
Association of Community Bankers
and Crosstate Credit Union
Association have formed a task force
to make recommendations to protect
the bank fund from future transfers.
The Task Force has met regularly
and is considering various legislative
approaches and potential legal
remedies to address this issue.
Updates on PA Bankers
State Legislative Priorities
Thank Y-
Senator Scarnati offered the compromise amendment that contained the sales and use tax exclusion language. PA Bankers
thanks the Senator and his staff for their efforts in obtaining this compromise with the PA Department of Revenue.
Representative Sankey introduced the original bill in the House and made this a priority among his leadership.
We appreciate their efforts.
Banking Fund Transfers
PA Bankers Association » Quarters 1 & 2, 2020 35
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36 » PA Bankers Association
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PA Bankers Association » Quarters 1 & 2, 2020 37
Wealth Management has evolved.
Prepare for the future with ABA training.
Visit or contact your Relationship Manager at 1-800-BANKERS.
ABA has everything you need to address the wealth management evolution. In just a few
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38 » PA Bankers Association
a ahead
Please note: all dates and locations are subject to change.
PA Bankers Training Room • Harrisburg, Pa.
PA Bankers Training Room • Harrisburg, Pa.
Omni Bedford Springs Resort • Bedford, Pa.
PA Bankers Training Room • Harrisburg, Pa.
As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to
review the calendar, going forward, and communicate any calendar changes to the membership.
PA Bankers Association » Quarters 1 & 2, 2020 39
a ahead
a aheadlook
RLA Learning & Conference Center • Cranberry Twp., Pa.
PA Bankers Training Room • Harrisburg, Pa.
PA Bankers Training Room • Harrisburg, Pa.
PA Bankers Training Room • Harrisburg, Pa.
 .................................................................................................................................. 
 ...................................................................................................................................................................................... 
 .................................................................................................................
s ................................................................................................................................................................. 35
 .............................................................................................................................................................................
 ...................................................................................................................................................................................................9
 ................................................................................................................................................................4
 .................................................................................................................................................................................................. 43
 ...........................................................................................................................................................................................36
 ...........................................................................................................................................................................36
 ...............................................................................................................................................................................................................15
 ................................................................................................................................................................................
 ................................................................................................................................................................................
 ..........................................................................................................................................................................11
 ............................................................................................................................................................................50
 ...............................................................................................................................................................................................................51
As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to
review the calendar, going forward, and communicate any calendar changes to the membership.
40 » PA Bankers Association
a aheadlook
PA Bankers Training Room
Harrisburg, Pa.
PA Bankers Training Room
Harrisburg, Pa.
RLA Learning & Conference Center
Cranberry Twp., Pa.
PA Bankers Training Room
Harrisburg, Pa.
PA Bankers Training Room
Harrisburg, Pa.
Best Western Premier,
The Central Hotel & Conference Center
Harrisburg, Pa.
As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to
review the calendar, going forward, and communicate any calendar changes to the membership.
PA Bankers Association » Quarters 1 & 2, 2020 41
a ahead
PA Bankers Training Room
Harrisburg, Pa.
Hershey Country Club
Hershey, Pa..
Best Western Premier,
The Central Hotel & Conference Center
Harrisburg, Pa.
Hershey Lodge & Convention Center
Hershey, Pa.
The Hotel Hershey
Hershey, Pa..
As of May 5, PA Bankers has cancelled/postponed all in-person banker events through June 30, 2020. We will continue to
review the calendar, going forward, and communicate any calendar changes to the membership.
42 » PA Bankers Association
fter participating in
numerous contract
negotiations to recapture
thousands of dollars
in undue spending by financial
institutions across the country, the
team at Cornerstone Advisors was
curious to determine whether the
root cause of the disparity could be
identified. A survey was conducted in
2019 and found that, when it comes to
negotiating technology contracts with
their vendors, 75 percent of executives
in the industry do so without sound
knowledge of fair market pricing.
Furthermore, only half of those polled
actively obtain competitive bids when
shopping current market pricing. In
other words, a lot of blind negotiating
is happening in the industry!
With all but the biggest organizations
relying on vendors to provide
an increasingly complex web of
technology solutions for their
customers, financial institutions are
not only faced with the continuum
of contract renewals, but also, they
must provide a quality product that
falls within their budgetary constraints
and aligns with their strategic
initiatives. Data from the Cornerstone
Performance Report shows that a
large gap exists on the low and high
side of technology spend among
banks and this suggests there may be
room to negotiate!
Navigating the seas of contract
negotiation in search of savings
opportunities can be difficult when
faced with an opaque market. True,
efficiencies and economies of scale
impact the price point of vendor-
supplied technology, but vendors
are not forthcoming with their market
pricing information and this leaves
the financial institution to make an
ill-informed decision about what,
if anything, they stand to gain by
renegotiating their vendor contract.
When asked about how many vendor
contracts they are faced with either
renewing or renegotiating in a year,
the Cornerstone survey revealed that,
on average, 66 percent of executives
manage between six and 21+ vendor
contracts over a 12-month period.
With a fair number of contracts up
for review each year, it is no wonder
so many financial institutions opt to
go the auto-renewal route. And while
there are isolated instances where
this is advisable, in most cases it is
in the best interest of the bank to
perform due diligence and be mindful
of what it stands to gain by foregoing
the automatic renewal of its vendor
technology contract.
When a financial institution examines
the common practices a vendor
employs to push the auto-renewal, it
will discover annual price increases as
inflation protection, non-negotiated
mid-term add-ons that roll into the
auto-renewal and the presence of
poorly defined deconversion fees,
annual price increases and undefined
performance goals in the terms and
conditions of the contract.
Should the financial institution opt
to renegotiate one or more of their
vendor technology contracts on their
own, Cornerstone advises against two
strategies that simply don’t work: Tire
kicking and haggling down the vendor.
The first strategy finds executives
seeking out competitive bids from
other vendors and mistakenly
believing they are receiving good
intelligence. However, a true
competitive bidding process includes
RFPs, product demonstrations, site
visits, etc. In the second strategy the
executive contacts their vendor as
their contract is winding down and
requests a discount on the current
rate. After a brief back-and-forth, the
Navigating the Seas of
Contract Negotiation
continued on page 45
44 » PA Bankers Association
Twenty nineteen may best be
remembered as the year when things
that weren’t supposed to happen,
happened anyway. The world’s major
economies weren’t supposed to have
spiraled downwards, but they did.
Bond yields were not supposed to
have fallen, but that’s what happens
when growth decelerates. The Fed
was not supposed to have reversed
monetary policy and cut rates, but
that happened, too. Three times. The
presence of these conditions would
be less significant were it not for the
fact that most community banks had
been readying their balance sheets for
rising interest rates ever since the end
of the Great Recession almost eleven
years ago.
And who could blame them? Since
the beginning of the current growth
cycle in mid-2009, regulatory
authorities of all ilk have been loudly
and repeatedly sounding the alarm
of higher interest rates couched in
their concern that this inexorable
fate would harm earnings and impair
capital. Risk, though, is a tricky thing.
Its genesis does not typically spring
from what is expected; rather, it
comes from the unexpected things
that sneak up on us.
As a result, most community banks
are very well prepared for rising
rates, a condition that doesn’t exist,
but less well prepared for low and
falling rates; circa 2019. Preparing
a bank’s risk profile for only one
environmental condition is the perfect
strategy to employ as long as one’s
prescience is also perfect. But,
managing interest rate risk and/or an
investment portfolio should not be
about outguessing the market. Nor
should it be about trying to get ahead
of the Fed or making bets based
upon economic forecasts that are less
reliable than astrological ones. What
if a bank could make itself indifferent
to interest rates? What if earnings
projections could be made to be
consistent across a wide spectrum
of interest rate backgrounds? What if
risk managers prepared their balance
sheets for more than one outcome?
Accomplishing these ideals sounds
great as a concept, but in practice,
very few institutions ever reach
the promised land of interest rate
indifference. One reason for this may
just be the nature of human nature.
Most people tend to think their beliefs
and perceptions about the universe,
including interest rates, are the correct
ones. If they didn’t believe this, they
would have different beliefs. Self-
belief is a good thing, but so is self-
awareness; managing risk for multiple
outcomes requires at least a tacit
admission that one’s view of the future
might be wrong. Such an epiphany
can suggest behavior that may seem
to go against the grain.
In 2009, the winter edition of the
FDIC publication Supervisory Insights
contained a piece entitled “Nowhere
to Go but Up: Managing Interest Rate
Risk in a Low-Rate Environment.
It was filled with cautionary
encouragement for banks to make
preparations for higher market rates;
not at all unreasonable given that
short-term rates were barely hovering
above zero. But also back then,
Ten-Year Treasuries were yielding
close to 4 percent and the nominal
yield of the Bond Buyer 20 Year G.O.
Muni Index was around 4.25 percent.
Needless to say, those risk managers
who were only managing for a single
outcome, the one defined by higher
rates, avoided such things. The
“smart” money stayed short because
that’s what smart money does when
Don’t Hitch Your Strategy to a Rate Forecast
PA Bankers Association » Quarters 1 & 2, 2020 45
it “knows” rates have nowhere to
go but up. As a result, many “smart”
portfolio managers missed some big
investment opportunities because
their strategy was too invested in a
perception that allowed no room for
any world that didn’t involve higher
and rising interest rates. A world that is
still worlds away.
What about risk managers who
operate without an overriding market
bias? How do managers manage
without an emotional investment
in a rate forecast? They do it by
allowing for the possibility of multiple
outcomes, even some unlikely ones.
Those portfolio managers who
invested in twenty-year municipal
bonds back in 2009 didn’t do it
because they “knew” rates were
going to fall, which they did; they
did it because they didn’t know what
rates were going to do. They loaded
up on high cash-flow instruments
at the same time and for the same
reason: they didn’t know where rates
joined in 1986 and is an associate partner within the firm’s
Financial Strategies Group. He helps community financial institutions develop and implement
investment and interest rate risk management strategies. Before joining The Baker Group, he worked
at two broker/dealer banks in Oklahoma City and was also an assistant national bank examiner.
A graduate of Oklahoma State University, he holds Bachelor of Science degrees in finance and
economics. Contact: 800-937-2257,
were headed but they wanted to be
ready for anything. And they have
been. Their long-term, high-yielding
bonds have provided much needed
income during times when yields
trended downward, and their reservoir
of short-term cash flow has been a
repricing boon for those times when
rates trended higher or back-up
liquidity was needed. Successful risk
managers don’t have to be smart
enough to see into the future, they
just have to be smart enough to
realize they can’t.
continued from page 42
Navigating the Seas of Contract Negotiation
Ryan Rackley brings an in-depth knowledge in all aspects of banking technology and payments to his work
at Cornerstone Advisors, where he focuses his efforts and expertise on contract negotiation, payments,
technology, telecom, and ATM/ITM projects.
vendor ‘concedes’ to a small discount
and management claims success.
But a true and fair price is one that is
competitive relative to the market, not
the individual contract.
While the financial institution may
encounter several obstacles when it
comes time to renegotiate their vendor
contract, Cornerstone Advisors believes
there are proactive ways to manage the
process to generate better outcomes.
Here are a select few: create a roadmap
to track vendor contracts and prioritize
those with the biggest bottom-line
impact; use auto-renewals strategically
to help align timing of a contract’s end
and a strategic initiative; do not be
afraid to halt an auto-renewal, as this
gives the financial institution time to
review terms.
Any time a large vendor contract
comes up for renewal an opportunity
for the financial institution to
seek better pricing and terms is
presented. Working towards a
win-win agreement will ensure
the bank is getting the most out
of their technology at a price point
commensurate with what others are
getting in the market.
46 » PA Bankers Association
ey employees demand exceptional benefits—including excellent
healthcare coverage. Yet for the last two decades, employer health
insurance costs have been rising at a rate that far exceeds increases
in both the rate of general inflation as well as workers’ earnings.1
How can you manage these inevitable increases in healthcare costs while still
providing competitive benefits for your executives?
In addition to considering the latest cost-sharing trends, prudent bankers are also
managing rising healthcare insurance expenses by reallocating bank assets into
bank-owned life insurance (BOLI). A reallocation of a small portion of your bank’s
assets into BOLI can offset some or all of the annual increase in the cost of providing
employee health insurance over the next twenty-five years (see chart below).
Via the Interagency Statement on the
Purchase and Risk Management of Bank
Owned Life Insurance (often referred to
as FIL-127-2004), the various regulatory
agencies have confirmed that financial
institutions can use BOLI to finance not
only employee medical benefits but also
group life and other employee benefit
plan expenses, including long-term care
and supplemental (nonqualified) benefits
(e.g., supplemental disability coverage,
executive deferred compensation and
SERP benefits.)
BOLI durations are generally
consistent with the long-term nature
of benefit plan liabilities.
BOLI typically provides a higher
after-tax yield than most bank-eligible
“Life insurance holdings can serve
a number of appropriate business
purposes. Because the cash flows
from a BOLI policy are generally
income tax-free if the institution holds
the policy for its full term, BOLI can
provide attractive tax-equivalent
yields to help offset the rapidly rising
cost of providing employee benefits.
Managing Rising Healthcare Costs with
Bank-Owned Life Insurance (BOLI)
Note: Assumes a bank with assets of $350 million with 75 employees and an annual healthcare expense
of $820,000. Healthcare is assumed to increase by 6% annually and assumes a 28% bank tax rate.
Assumes a $5 million BOLI purchase with two highly-rated carriers and 10 insureds (5 males and 5
females) with an average age of 47. No deaths are projected to occur in the first 25 years. Assumes an
opportunity cost on the BOLI investment of 2% pretax (1.44% after tax).
The above example is a hypothetical illustration to be used strictly as an educational tool. It is not
intended as offering specific investment advice or recommendations.
1A recent study by the Kaiser Family Foundation, a nonprofit research group that tracks employer-
sponsored health insurance on a yearly basis, shows that the average annual premium for family
coverage through an employer reached $20,576 in 2019, an increase of 5% over the previous year.
2Per FDIC Call Report Data as of 9/30/2019.
PA Bankers Association » Quarters 1 & 2, 2020 47
The bank purchases individual life
insurance policies on a group of
employees. The eligible group is
usually an officer group (e.g., assistant
vice president and above), but may be
based on salary or other parameters.
The bank pays the premium(s), owns
the cash value of every policy, and is
the beneficiary of the insurance. The
bank typically endorses a portion of
the death proceeds to the insured
employee’s beneficiary through a split
dollar arrangement, at least while
the employee works for the bank.
This coverage is in addition to the life
insurance being provided through
the group term plan and serves as
an additional employee benefit at no
cost to the bank.
The annual cash value growth and
future death benefits are nontaxable
if policies are held until death, which
provides an attractive tax advantage.
The bank typically sells Treasuries
or other securities—or uses funds
generated through other cash
flow—to purchase BOLI. Since both
the source of these funds and BOLI
represent bank assets, there is no
initial net change to total assets or
capital. The bank earns BOLI income
from two sources:
Growth in cash surrender value – cash
surrender value determines the asset
value for accounting purposes for the
bank’s BOLI policy. This value increases
by the amount of interest credited by
the carrier and decreases by the internal
cost of insurance charges.
Net death benefit – the other
source of income from BOLI is the net
insurance proceeds paid to the bank
when a covered employee or former
employee dies. The net insurance
proceeds above the cash value asset
are booked as additional gains once
Because of the inherent tax
advantages, BOLI can earn a higher
after-tax rate of return than many
bank-eligible alternative investments.
By working with quality carriers (those
with S&P ratings of A+ and higher)
that provide flexible plan features and
attractive rates of return, BOLI can
drive an increase in earnings per share.
The annual increase in cash value
and the net insurance above cash
value at death are both recorded as
gains on a bank’s income statement.
By combining BOLI with effective
cost-containment/sharing measures,
banks can wield a powerful weapon
for combating the ever-rising cost of
employee healthcare coverage as well
as other employee benefits.
Utilizing the combined expertise of
David Shoemaker CPA/PFS, CFP®
and Booker Moore, Pennsylvania
bankers may put themselves in
greater control of future benefit costs.
is a consultant of which
has assisted over 1,250 banks in the design of nonqualified benefit plans, performance-based
compensation and BOLI. To learn more, contact David Shoemaker at (901) 754-4924 or david.
is a leading expert in the field of employee benefits plan design. His
unique solutions to balancing the interests of employers and employees in employee benefits have
helped clients create competitive and cost-effective plans while, at the same time, addressing the
health, welfare and retirement needs of employees and their families. To learn more, contact Booker
Moore at (814) 317-4187 or
NFP Executive Benefits is the Select Vendor for Bank Owned Life Insurance services of the PA Bankers Services Corporation (PBASC), a wholly owned
subsidiary of the Pennsylvania Bankers Association. L.R. Webber Associates, Inc. is the Select Vendor of PBASC for Employee Benefit and Retirement Plan
Services and works with PBASC to provide Pennsylvania banks with the Bank Health Care Consortium of PA, a health care funding program designed to give
bankers the ability to closely control their benefit cost while providing flexibility.
3Death proceeds on corporate-owned life insurance will be received tax-free to the extent they comply with Internal Revenue Code Section 101(j) as well as
other applicable state and federal laws.
48 » PA Bankers Association
PA Bankers Services Corporation
Select Vendors Provide PA Bankers
Members Savings, Service and Quality
*As of 4/12/19
Bond, D&O, Cyber Insurance, and
Employment Practices Liability
Patricia Williams, (216) 220-1280
Outsourced Internal Auditing
and Risk Management Services
Nicole Lloyd, (717) 903-3142
Electricity and Natural
Gas Procurement Services, Utilities
Management Platform
Jane Seagraves Sidebottom
(800) 520-6685
Integrated Marketing and
Communications and
Business Intelligence
Ray Melcher, (610) 678-1506
Merchant Processing, Search Engine
Optimization, Website Design and Social
Media Management
Danielle Lausch, (717) 892-8988
Asset/Liability Management
Software and Services
Charles Amis, (405) 415-7231
34 banks received credits in surplus of
over $8.9 million in 2018 with an average
net funding increase in single digits.
Wayne Whipple, (717) 255-6925
Managed Service Provider for Voice
and Data Communication
Christian Ericson, (973) 474-1828
Cristine Clayton, (570) 278-3800
Quality Compliance Services
That Complement and Assist
Internal Compliance Personnel
Wayne Whipple, (717) 255-6925
Core, Debit EFT, Card Program, Loan
Origination, Bill Pay, Mobile Banking &
ATM Contract Negotiation
Jennifer Wagner, (480) 425-5204
Receive High-Yielding CRA Credit
Terry B. Rooker, (901) 529-4781
 Provide PA Bankers Members
PA Bankers Association » Quarters 1 & 2, 2020 49
* Vendor selections and recommendations are made in accordance with PA Bankers Services Corporation’s stated mission. It is believed that the promoted products and services merit strong consideration by PA Bankers member banks. PA Bankers Services
Corporation due diligence and selection criteria should not be construed as a guarantee, as the ultimate appropriateness may vary from bank to bank. In addition, member banks are encouraged to conduct their own due diligence reviews of recommended
vendors. Remuneration received by PA Bankers Services Corporation is utilized in-part to support the PA Bankers Association through contracted agreements, corporate sponsorships and overhead coverage. This financial support expands resources and
strengthens the services and programs of the PA Bankers Association.
Outsourced Internal Purchasing, Office
Supplies, Inventory Control and IP
Address Marketing/Sales
Pat McMahon, (570) 207-5107
FONT: Handwriting-draft_free version
FONT: Century Gothic _ Regular
FONT: Handwriting-draft_free version
Black 80%
B-90% B-Screen
Black 80%
Planning, Design Coordination,
and Construction Management
Erin Campbell, (800) 253-7430
Multi-Bank Owned Title
Insurance Program
Karen Brittain Barnett, (419) 577-5900
Performance Measurement
Robert E. Kafafian
(973) 299-0300 x106
Multiple Medical, Drug, Dental &
Vision Options and EB Solutions
Brad Webber, (814) 695-8066
*As of 4/12/19
Mark Schwartz,
(615) 210-3775,
Brian Amend
Managing Director & VP Sales,
Eastern Region
(302) 425-5158
Automated CAT Tool & Digital
Forensic Investigation, Network
Consensus Cybersecurity
Allen Mitchell, (215) 485-7315
Electronic Lien and Title Program
Wayne Whipple, (717) 255-6925
Check Program
Todd Wroblewski, (724) 625-5599
BOLI, Executive Compensation
and Long-Term Care
David Shoemaker, CPA/PFS, CFP
(901) 754-4924
Reviewing, Re-negotiating and
Bidding Check Printing Relationship
Ted Amon, (770) 736-5787
Anti-Money Laundering
Catherine Lew
(818) 998-7851 x128
PA Bankers Association 50 Volume 21.1 | Quarter 1
It’s like owning your own title insurance company, only better. PA Bankers Services Corporation – along with
Investors Title Insurance Company – will help you become part of a multi-bank owned title insurance agency
and share in the profits every time title insurance is written. To learn more, simply give us a call at (717) 255-6925
and we’ll show you how your bank can earn non-interest income from title insurance.
for Pennsylvania-Based Financial Institutions and
Aliate Members of the PA Bankers Association
The BHCCPA is a unique health care alternative for Pennsylvania-based nancial institutions and Aliate Members
of the PA Bankers Association. Since its launch in July 2007, the PA Bankers Services Corporation, L.R. Webber
and The Benecon Group. have collaborated to provide every consortium member with leverage and benets of
economies of scale, plan design exibility and signicant cost control strategies to their group health plan.
Wayne Whipple
Vice President, Business Development
(717) 255-6925
Brad Webber
Marketing Manager
(814) 317-4186
Claudia Burchstead
Senior Sales Director
(717) 723-4624
PERMIT No. 1169
3897 North Front Street
Harrisburg, PA 17110
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expertise and extreme responsiveness. Learn how we protect what you’ve built
and how we've revolutionized the legal services experience. | 717.308.9910 | 4201 E. Park Circle Harrisburg, PA 17111
PaBPAC Annual Report 2019 » 1
Dear PA Bankers members:
In 2019, the association significantly increased its focus on advocacy by
incorporating it into engagement and education across the full association
enterprise. Our message is simple: legislative, grassroots and political advocacy
are instrumental to your success and the success of our industry. It is simple
to engage and there are many ways to do so: write your Congressman a letter,
tweet at your state Senator, campaign for a pro-banking candidate or contribute
to . All of these are effective ways to make your voice heard.
I am proud to announce that the  resulted in a total of
$441,761.98 contributed by officers, directors and employees from 93 member
institutions. This is the highest amount ever raised for  and exceed our
goal by nearly 4 percent.
Because of your efforts,  is stronger than ever. We support bi-partisan
candidates who understand and appreciate the concerns and ideals most
important to our industry.  has played an important role in supporting
legislators and candidates who believe in a competitive and fair banking climate
in Pennsylvania. Elected officials are important partners in our ability to support
economic development within the community.
The  is pleased to list those banks whose directors,
officers and employees contributed to the 2019 campaign. For your information, a
list of political campaigns who received  support in 2019 is also included
in this publication.
Thank you again for your ongoing support. If your bank did not participate in the
2019 campaign, we hope you will consider joining our efforts in 2020. If you have
any questions about  or would like more information on how your bank
can participate, please do not hesitate to contact Erin Kanter, (717) 255-6910 or
Dennis E. Doll
2019-2020 PaBPAC Chairman
President and Chief Executive Officer
Reliance Bank
Altoona, Pa.
2019-2020 PaBPAC Chairman
President and Chief Executive Officer
Reliance Bank
Altoona, Pa.
PaBPAC Annual Report 2019 » 3
2019 Contributing Financial Organizations
The following financial organizations contributed to the 2019 campaign:
AmeriServ Financial Bank
Apollo Trust Company
Asian Bank
Bank of America
Bank of Bird-in-Hand
BB&T Corporation
Benefits Management Group
Centric Bank
Citizens Savings Bank
CNB Bank
Community Bank, N.A.
Covenant Bank
DNB First
Dollar Bank, A Federal Savings Bank
Ephrata National Bank
ERIEBANK, A Division of CNB Bank
F&M Trust
F.N.B. Corporation
Fidelity Deposit and Discount Bank
First Citizens Community Bank
First Commonwealth Financial Corporation
First Keystone Community Bank
First National Bank and Trust Company
First Resource Bank
Firstrust Bank
Fulton Financial Corporation
Hometown Bank of PA
Huntington Bancshares Incorporated
Kish Bank
M&T Bank Corporation
Marion Center Bank
Mars Bank
Mauch Chunk Trust Company
Meridian Bank
Mifflinburg Bank and Trust Company
New Tripoli Bank
NexTier Bank, National Association
Northwest Bank
Norwood Financial
Orrstown Bank
PA Bankers Retired Bankers Program
Penn Community Bank
Pennsylvania Bankers Association
Peoples Security Bank and Trust Company
PNC Bank, National Association
PS Bank
QNB Bank
Quaint Oak Bank
Reliance Bank
Riverview Bank
S&T Bank
Somerset Trust Company
Susquehanna Community Bank
The Bank of Landisburg
The Bryn Mawr Trust Company
The Dime Bank
The Gratz Bank
The Honesdale National Bank
The Juniata Valley Bank
The Muncy Bank and Trust Company
The Neffs National Bank
The Northumberland National Bank
The Provident Bank
The Victory Bank
TriState Capital Bank
United Community Financial Corp.
Univest Financial Corporation
Wayne Bank
WesBanco Bank, Inc.
Woodlands Bank
York Traditions Bank
4 » PaBPAC Annual Report 2019
Thank you to everyone who took the
challenge and participated in
Denny’s Dare (Diamond).
Tim J. Abell
William S. Aichele
Janet L. Balentine
Gary C. Beilman
James R. Biery
Joseph B. Bower, Jr.
Todd D. Brice
J. Duncan Campbell III
Peter D. Collins
Kelley A. Cwiklinski
William L. Dancy
Spyros A. Degleris
James V. Dionise
Dennis E. Doll
Gregory A. Duffey
G. Warren Elliott
Steven G. Fisher
Clark S. Frame
David W. Freeman
Edward A. Friedman
Donald A. Fry
Lynda L. Glass
Robert J. Glunk
Richard J. Green
Robert P. Hager
Gregory T. Hayes
William P. Hayes
Timothy G. Henry
Paul G. Howes
William S. Lake
James J. Lakso
Elmer C. Laslo
Joseph W. Major
Robert S. McMinn
Thomas Minichiello III
Donald H. Mowery
Glenn E. Moyer
K. Leon Moyer
Carol A. Myers, CPA
Gerald A. Nau
Kristin O’Donnell
Thomas M. Petro
Thomas R. Quinn, Jr.
Mark A. Ritter
William J. Roll
Clem C. Rosenberger III
Blair T. Rush
Louise A. Rynd, Esq.
Richard A. Sarfert
J. Bradley Scovill
Ronald J. Seiffert
Paul H. Silvis
John C. Spier
J. Donald Steele, Jr.
Floyd E. Stoner
Steven D. Thompson, CPA
Frances V. Vaughn
Jeane M. Vidoni
Cynthia L. Wallett
Dale A. Westwood
Wesley M. Weymers
George Woskob
PaBPAC Annual Report 2019 » 5
2019 PaBPAC Individual Contributors
The following individuals contributed to the 2019 PaBPAC fundraising campaign.
Contributors are listed below according to the Name Badge Medallion Program.
BRONZE contributors gave $1-249; SILVER contributors gave $250-499; GOLD contributors gave $500-799;
PLATINUM contributors gave $800-999; DIAMOND gave $1,000+.
Jack W. Babich, SPHR
Randall E. Black
Mark J. Cvrkel
Patricia A. Husic
Michael S. Keim
Scott L. Kelley
Joseph R. Kondisko
Ronald W. Owen
Frank G. Pellegrino
Robert M. Rabb
Jeffrey M. Schweitzer
Marlin C. Sherbine
Elaine A. Woodland
Charlotte A. Zuschlag
Joseph W. Adams
George Ager
Timothy J. Allison
Christopher J. Annas
Timothy J. Apple
John Augustine
Marcie A. Barber
Matthew B. Bates
Dennis F. Beardslee
Todd S. Benning
Daniel C. Berninger
Luke M. Bernstein
Craig W. Best
Gina M. Boor
Robert A. Bowell
Willard J. Bowen
Robert L. Brant, Jr.
Duane J. Brobst
Kenneth F. Brown, Jr.
Martin R. Brown
Steve D. Butz
Douglas L. Byers
Robert Casciato
Christopher T. Cattie
Raymond J. Ceccotti
Gerard A. Champi
William J. Clark
James J. Clarke
Dr. Daniel J. Cole
Robert G. Coradi
Jeffry D. Cramer
Barbara W. Davies
Mark DeBiasio
Joseph E. Dell, Jr.
David J. Demas
Patrick J. Dempsey
Allan R. Dennison
Michael B. Dinda
Andrew E. DiPiero, Jr., Esq.
Joseph J. Disciullo
Jeremy A. Dobbin
Joshua P. Dodd
John W. Duerksen
Stan R. Dunsmore
Brian B. Dutton
Charles L. Echnoz
Donald E. Enders, Jr.
Todd A. Erdley
Philip E. Fague
Brian S. Fetterolf
Robert J. Fignar, CFP
Daniel J. Fisher
Ronald R. Flaherty
Kenneth R. Fleeson
Thomas H. Flowers
Michael J. Fox
Bruce K. Freeston
Anthony J. Gabello
Kenneth R. Gant
Jeffrey S. Gayman
James F. Getz
Steven D. Gilmore
Richard L. Graver
Ray S. Greenberg
Richard L. Greslick
Jeffrey Groff
Jeffrey Gum
Tammy L. Gunsallus
Ralph E. Hardt
Susan E. Hartley, Esq.
Edward J. Hollin
Harold F. Hoose III
Dianne D. Howard
Mark A. Hughes
David R. Hunsicker
Anthony Imbesi
Allan E. Jennings, Jr.
Albert F. Jinks
Kevin L. Johnson
Cindy J. Joiner
William L. Jones III
Thomas J. Jordan IV
Joanne Judge
Charles H. Jurgensen
Leanne D. Kassab
Samuel K. Kauffman
James G. Keisling
Mark K. Keller
Bobbi J. Kilmer
Michael J. Kirk
Aaron M. Klinger
David H. Koppenhaver
Patricia D. Lacy
Leo F. Lambert
Kevin M. Lamont
John T. Landes
J. Howard Langdon
Kevin W. Laudenslager
Terry L. Lehman
Tito Lima
Denise Lindsay, CPA
William J. Locher
Thomas D. Longenecker
James J. Lott
Seth Mackler
Jennifer L. Mann
Ralph A. Matergia
Janice McCracken Erkes
Michael J. McDonald
Holly McGloshen
Michael W. McGraw
Brian McHugh
Patti L. McLaughlin
James J. McQuade
Paul M. Meagher
Albert J. Melfi, Jr.
Gregory B. Mensch
Adam Metz
Richard E. Meyers
Joseph C. Michetti, Jr., Esq.
Harold Middleberg
Joseph F. Mikolaitis, Esq
Barry E. Miller
Robert W. Montler
Christopher A. Nardo
Peter A. Nolan, Jr.
Kevin B. Norris
Bank PAC
Eric Paul
Michelle N. Paulnock
David A. Pecht
Ann B. Persun
Robert J. Phillips
David E. Raven
Brian Richardson
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
6 » PaBPAC Annual Report 2019
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
David B. Rivkind
David S. Runk
Megan D. Santana, Esq
Daniel J. Santaniello
Alletta Schadler
A. William Schenck III
M. Theresa Schwartzer, SPHR
William C. Schweighofer
Nicholas N. Scott
Eric A. Segal
Edward F. Seserko
James L. Shilling, Jr.
Leonard Simpson
Aaron K. Singer
Kenneth H Slack
Timothy W. Smith
Kristen Snyder
Mark S. Snyder
Jeffrey S. Stauffer
Jeffrey A. Stopko
Christopher L. Stott
Robert T. Strong
Joseph J. Sweeney
Marcele R. Swingle
Annette D. Szygiel
Andrew F. Tauber
John J. Thier
Steven I. Tressler
J. Todd Troxell
Robert F. Wagner
James Wang
Wayne R. Whipple
Robert C. Wonderling
Donald P. Worthington
Joel R. Zullinger
Debra E. Adams
Mark J. Adelsberger
Margarethe Aderhold
Lewis W. Adkins, Jr.
Joseph J. Aiken
Todd A. Alderfer
Larry D. Alderson
Eric L. Alleman
Dominic J. Aprile
Neil A. Aquino, Jr.
Todd M. Arthur
Harry G. Austin III
Stanley N. Ayers
Laura G. Azzalina
Christina L. Bagrosky
Roger H. Ballou
Douglas P. Barton
Mark G. Bayer
Alfred D. Beck
Maureen H. Beilman
Dominic Bellvia
Douglas H. Bert
Michael W. Bickerton
Thomas J. Bisko
Peter Bochnovich
David L. Bode
Deirdre Bonora
Thomas E. Boop, Esq.
Kathlene M. Bower
Richard M. Bowersox
William R. Boyle
Barbara E. Brobst
Dana E. Brown
Diane R. Brown
John D. Brown
Kathleen Brown
Kimberly A. Bubb
Larry E. Burger
James F. Burke
John P. Burlein
Thomas A. Byrne
Brian J. Cali, Esq.
Robert M. Campana
William T. Campbell, Jr.
Susan Campfield
Steven M. Cappellino
John F. Carmody
Michelle L. Carrasquillo
Elizabeth F. Carson
Thomas P. Cassidy
Christina A. Cassotis
Ron Castner
Joseph Castrogiovanni
Lisa M. Cavage
Michael W. Cavage
Ronald L. Cekovich
Deborah J. Chadsey, Esq.
Eric W. Conner
Frank A. Conte
G. Henry Cook
Thomas W. Cook
Lewis J. Critelli
James A. Cronauer
Jason Cunningham
Anthony D. DaCosta
John Davis
William W. Davis, Jr.
Roger S. Deacon
Robert A. DeAlmeida
Terra L. Decker
William L. DeLuca
Shelley L. D’Haene
Gayle Dietrich
Roger L. Dirlam
Gregory M. Dixon
Ted M. Doman
Stephen M. Dorwart
Eugene J. Draganosky
Mark D. Drenchko, CPA, CFE
Richard J. Drzewiecki
Mark A. Duffy
D. Rodman Eastburn
Michael Eddinger
Patricia Ellick
Frank E. Elsner III
Timothy B. Fannin, CPA
Francis M. Ferriola, Jr.
Charles T. Field
Cord K. Fischer
Judd B. Fitze
Andrew Forte
Cory R. Fosbenner
Tamie Francis
Philip Freeman
Gregory J. Frigoletto
Tamra T. Garber
Robert P. Gardill II
B. Jeanne Genzlinger
Jill George
Rhonda L. Gingery
Robert A. Goldstein
Kylie L. Graham
Shane A. Graham
Lee R. Green
Teresa L. Gregory
Robert Grimm
Gregory G. Gula
Timothy M. Hampton
Justin M. Hartrum
William W. Harvey, Jr., CPA
Olaf R. Hasse
Leanne W. Hayes
Lorie M. Heckman, CRCM
James P. Helt
Dale R. Hershey
Mark R. Hollar
Stephen A. Homza
David T. Hornberger
Dawnette Hotaling
Craig M. Hummer
Meg Hungerford
Timothy M. Hunter
Brad Huyck
Sean C. Isgan, P.E.
Michael Jaeger
Pamela Johns
Oscar Johnston
Frank W. Jones, Esq.
Denise R. Joyce
James Juliano
Robert E. Kane
Jeffrey J. Kapsar
Mark A. Karenchak
George P. Karlheim
Dawn M. Kearney
Jeffrey Keiser, DDS
Brian T. Kelly
Michael P. Kelly
Robert C. Kenney, Jr.
John S. Kiesendahl
JoAnne C. Kizer
Nicholas D. Klein, CRC
Michael E. Kochenour
PaBPAC Annual Report 2019 » 7
Morton H. Kolman
Lisa M. Kooker
Heather J. Koptchak
Richard J. Krauland
Nancy J. Krulla
John E. Kubinsky
William S. Lance
Margaret H. Leimkuhler
Heidi Leonard
Francis J. Leto
Mary E. Liddle
Joseph C. Lieb
Walter A. Litwinczuk
Richard H. Lloyd
Richard S. Lochen, Jr.
Mindy M. Loftus
Mark R. Long
Mark R. Maghirang
Scott A. Magnetti
Robert J. Mancuso
Gary A. Manley
Justin M. Mann
William F. Marks
Anthony B. Markunas
Jacqueline M. Martella
John Q. Massie
John W. McCall
Jackson K. McDonald
Mary McDonald
E. Harry McGuirk
William F. McKnight
Mark McLaughlin
JoAnn N. McMinn
Rex W. McQuaide, Esq.
Julia W. McTavish
John P. Meegan
James C. Miller
Troy A. Miller
Thomas J. Morrissey
Christina L. Moyer
Amy M. Muchler
Kerri Mueller
Robert C. Musser
Chad E. Neiss
Gregory A. Noon
Elliot Norry
Phyllis A. Nye
Stephanie A. Oakes
Vincent G. O’Bell
Gary Oden
David R. Ohman
Michael Ondesko, Jr.
Peter Ort
Scott G. Orzehoski
Terry B. Osborne
Frank J. Palermo, Jr.
Natalye Paquin
Carl L. Pardoe
Mark Paup
Gary M. Peck
Michelle A. Pedersen
Thomas A. Peifer
Patrick Perih
Joel E. Peterson
Kenneth Phillips
Robert S. Pierce
Mark Poliski
John M. Polli
William K. Poole
Jay Power
Polly A. Previte
Sonia M. Probst
Linda L. Procaccino
Louis Quattrocchi
Joseph L. Rago
John M. Reber
Gregory A. Reeves
Patrick H. Reilly
Daniel J. Reisteter
J. Eric Renner
David Z. Richards, Jr.
Robert E. Rigg
Kevin D. Rimmey
No S. Ringer
Andrew S. Ripic III
Betsy K. Robertson
Craig Rodenberger
Terry Rodgers
Michael E. Rollison
John D. Rooney III
Thomas L. Rudy, Jr.
Robert J. Russoli
Eileen F. Ryan
Ruth Anne Ryan-Catalano
Kimberly Rzomp
Joseph W. Schick
Matthew Schultheis
Robert H. Schultz
Deborah E. Scott, CTFA
Diane K. Secor
Michael Seigh
Edward J. Sheehan, Jr.
Steven R. Shilling
Cheryl E. Shope
John R. Showers
Henry M. Skier
Michael G. Smelko
Jan M. Smith
Kendrick C. Smith
Glenn W. Snoke
Marcella A. Soverns
Jack F. Spall
John N. Stauffer
Susan K. Stem
Todd J. Stephens
Alan J. Stock
Frank X. Straub
Gregory K. Sudell
Norman R. Sunday III
Lindsey J. Swigart
Florence Tang
Brian J. Tevlin
Bonnie M. Tompkins
Christine J. Toretti
Mary Beth Touey
Phillip Tredway
David L. Tressler, Sr.
Thomas P. Tulaney, Sr.
Michael L. Turner, Esq.
Dennis R. Urffer
Amy Van Blarcom-Lackey
Michael Visconto
Mark C. Wagner
John C. Walchesky
Martha B. Walker
Todd D. Warren
Tracy E. Watkins, SPHR
Judith A. Weaver
Alfred J. Weber
Steven J. Weingarten
Kevin E. Weinhoffer
Paul W. Wenger
Robert E. Werner III
Michael D. Wetzel, Jr.
Suzanne M. White
Eric S. Williams
Bradley Willow
Robert L. Wise
Joseph T. Wright, Jr.
Charles A. Wurster
Diane M. Wylam, Esq.
Donald F. Yeager
Richard C. Yeager
David J. Zimmer
Charles H. Zimmerman
Michael E. Zirolli
Shannon Abbott
Elizabeth Abrams
Katelyn Ackley
David M. Acri
Janine M. Adams
Trisstan Adams
Gregory W. Adamson
Robert V. Addoms
Jeffery E. Aeppli
Vicki Ahmadian
Michael A. Aiello, Jr.
Amanda J. Aipoalani
Lawrence Albertelli
R. Edward Alberts
Vanessa Albright
Jay B. Alexander
Brandy J. Allen
Douglas G. Allen
Francine L. Allen
Stacey Allen
Kelli Allison
Jennifer Amann
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
8 » PaBPAC Annual Report 2019
Annalisa D. Ambrisco
Tracy Ambrosius
Jill A. Ametrano
Jennifer K. Amigh
Amy K. Ammerman
Erin Ammerman
Maria W. Amoruso
Margaret Anders
Charlene Anderson
John R. Anderson, III
Kristin Anderson
Katrina Andreyo
Andrew Andrijiwskyj
Ronald B. Andzelik
Christine Angland
Gregory J. Anna
Camillia E. Anthony
Jeffrey Anzovino
Alan Apt
Maureen B. Aquilino
Kathy A. Arentz
Patricia D. Arlington
Jordan Armitage
Carolyn T. Arneman
Christopher R. Arnold
Derek Arnold
Karen B. Arthur
Paul Arvay
Rebecca Assalone
Douglas W. Atherton
William E. Aubrey, II
Casey L. Aukerman
Kati Aumiller
Eileen G. Austin
Sandra Austin
Eric L. Avery
Morgan Bacon
Christy Bailey
Jorden Bailey
Anita H. Baker
Edward T. Baker
Heather M. Baker
Michele L. Baker
Chris A. Bakos
Monica L. Balafoutas
Marni Baluta
Susan K. Barber
Christine Barbieri
Teresa D. Barbuzanes
Renee Barger
Corrine Barkley
Karen Barnett
Laura Barr
Carol E. Barrett
Crystal Barrett
Paula M. Barron
Jim Barry
Tabitha Barshinger
Elizabeth Bartholomew
Mark C. Bartholomew
Rachelle Bartholomew
Janis L. Bartlett
Linda L. Bartley
Valerie F. Bates
Kimberly N. Battin
Jelena Batula
S. LeaAnn Baucom
Taylor A. Bauer
Suzanne M. Baughman-
Lori R. Baumgardner
Douglas C. Baxter
Autumn Bayles
Jennifer Beachel
Melissa A. Bean
John Beard
Alexandria Bearfield
Brigitte Leann Beauchat
William L. Beauseigneur
Lori J. Bechtel-Wherry
Danielle J. Beck
Robert D. Beck
Thomas E. Beck
Edward C. Beckett, III
Peggy Beckwith
Bryan C. Becraft
Erin L. Bednaro
Stacy L. Beeler
Vickie L. Beer
Tami Lynn Beidler
Susan T. Belfer
Andrew Bell
Debra S. Bender
Debra Benetti
Garry R. Benfer
Kimberly A. Benner
Janis H. Bennett
John Bennett
Beth Benson
Sarah E. Benson
Joshua M. Berg
Georgann Berger McKenna
Kathy J. Berkebile
Naomi R. Berkey
Lance R. Bernecker
Heather Bernhard
Kimberly Ann Bersinger
Tim Berwager
Rosa Best
Maria R. Bethea
Sylvia Betz Gardner
Janice Bevacqua
Heather Bidwell
Amber K. Bierly
Jacklyn Bingaman
Jennifer Bingaman
Rebecca A. Bingaman
Christine M. Binkley
Rachel G. Bitner
Jennifer Bittenbender
Jeanetta Bixler
Megan Black
Melissa Black
Karen L. Blackwell
Erica Blair
Jeffrey A. Blakeley
Nancy Blazer
Laurie Blazer-Hubosky
James A. Bleakly, Jr.
John D. Blecher
Sarah Bleggi
Kerry L. Bliler
Lindsey M. Bliss
Peggy Block
Nicole Bloniarz
Janina Bobak
Brian M. Bodo
Peter J. Boergermann
Lisa M. Bohner
Michelle A. Bollinger
James M. Bone
Lisa S. Bonham
Jennifer Booker
Kelly A. Boop
Jenna Booth
Michael D. Borick
Robert Boscarino
Michelle L. Bosch
J. Ilene Boughner
Dorette A. Boutrin
Pamela J. Bova
Cristin Bowden
Cody Bowen
Linda F. Bowen
Brittany Bowers
Donna J. Bowers
Rachel Bowers
Stephanie Bowers
Denise A. Bowie
Casandra Box
Jon Boyd
Judy Boyer
Megan Boyer
Rachel Boyle
Courtney Boyles
Nicole M. Boytin
Mary Ann Braden
Diane Bradford
Lisa R. Brandt
Kim A. Brant
Michelle Brazil
Cassie J. Brelo
Audrey D. Bresset
Christopher T. Bresset
Robert M. Brewington, Jr.
Lesley J. Brilhart
Deborah L. Brill
Erin L. Brimmeier
Melissa S. Brindley
Crystal Bristol
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
PaBPAC Annual Report 2019 » 9
Brian W. Britton
Tina Brookens
Brian Brooking
Melissa Brooks
Claudia Brown
Jaclyn Brown
Kathy Brown
Lori B. Brown
Nia Brown
Robert Brubaker
Jill Brumbaugh
Erica Bruno
Greg Bruns
Andee Bryan
Katherine M. Bryant
Samuel J. Bryerton, CFP
Eleanore Bucchi
Amanda Bucci
Anna A. Bucher
Chastity Bucher
Alisha M. Buck, CAMS
Kelly S. Buck
Raymond W. Buehler, Jr.
Michael A. Buffington
Autumn Bullers
Danyell L. Bundy
William Burd
Cynthia D. Burdick
Markayla Burgan
Erica Burger
William A. Burget
Autumn Burke Dempsey
Amy L. Burke
Sherri Burke
Kathleen L. Burkett
Robin L. Burnhisel
Alicia Burns
Erica Burns
Robert T. Burns
Kelly S. Burrows
Eric Busch
William Bussom
Ryan Butler
Gary Butters
James D. Butters
Darlene L. Buttery
Teresa L. Buzniak
Steven Byers
Arlene M. Byler
Michelle K. Byrne
Domenic Cagliuso
Sandra L. Cairnes
Vanessa Calaman
Jessica Caldwell
Ashley Camp
Kathleen M. Campbell
Susan M. Campbell
Ian F. Cannon
Susan Cannon
Peter Caperonis
Carmen Caputo
Barbara Carbaugh
Chris Carcella
Katie E. Card
Lisa Cardone
Lisa M. Carey
Michael R. Carlin
Cynthia Carll
Dr. Karen K. Carmack
Stephen R. Carman
Edward J. Carpoletti
Anna Leigh Carr
Connie Carr
Jeffrey B. Carr
Julie A. Carr
Lee Anne Carr
Michelle J. Carr
Michael Carrera
Andrew Carroll
Pamela H. Carroll
David P. Carson
Diana Carson
Geary L. Carter
Jeffrey Carter
Kelly M. Carter
Richard A. Carter
Michael F. Casimiro
Kori Casselberry
Robert M. Castro
Jacqueline A. Catalano
Leasa L. Causer
John E. Centi
Jay W. Chadwick
Tiffani A. Chambers
Robert W. Chappell
Bonnie L. Chaville
Emily Cherry
Keith Chesler
Richard F. Chimelewski
Bradley A. Chovit
Kimberly Romance
Lacey Churmblo
Scott D. Cirella
Cara Lynn Clabaugh
Tasha Claggett
Timothy D. Clapper
Ashley R. Clark
Ashley W. Clark
Jeffrey S. Clark
Ralph W. Clark III
James J. Clarke
Brynne Clawser
Bradley J. Clevenger
Earl Clevenstine
Karen Clow
Donna Cochran
Lisa Cochran
Brian Cogley
Lynda Colarusso
Evelyn L. Coldsmith
Erika L. Cole
Erin M. Cole
Katherine Cole
Donna Colella
Kim C. Coleman
Kimberly Coleman
Stephen C. Coleman
Justine Coll
Tina M. Collins
Robin R. Colwell
Mary Ann Conaway
Ellen M. Conboy
Jackie A. Confer
Brianna Connelly
Ann Conrad
Cathy J. Conrad
Lisa Constantine
John Conte III
Joelle R. Conti-Washer
Carla Cook
Laeken M. Cook
Lisa L. Cook
James W. Coombes
Thomas M. Cooper
Chrissi Copp
Kim Copp
Mary Cordell
Suann Corman
Alta I. Corman-Wolf
Jennifer A. Cotton
Anna Coutts
Courtney L. Covelens
Randy Covington
William R. Coy
Adam J. Crahall
Jeffry D. Cramer
Sierra Cramer
Stephen R. Cramer
Cindy Crawford
Stephanie Crawford
Richard D. Crider
Rebecca L. Crilly
Steven M. Crissey
Nicole Crocker
David J. Crouse
MaryAnn Crowell
Collette R. Croyle
Teresa Crull
AnnaMarie Cuddy
Jennifer L. Cullers
Jessica J. Cummings
David H. Cunningham
John P. Cunningham II
Madison Cuomo
Sara Cupsta
Maria Czerwinski
Tammy Czyz
Scott A. Dahl
Alan W. Dakey
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
10 » PaBPAC Annual Report 2019
Kristen D’Angelo
Russell G. Daniels
Ruth E. Daniels
Anthony J. D’Antonio
Pam Daskivich
Angela Davidson
James C. Davidson
Rebecca Davidson
Anne Davies
Carly A. Davies
Janette M. Davis
Nan Davis
Robert F. Davis
Miriam DeFehr
Salvatore R. DeFrancesco, Jr.
Arlyce M. Degnan
Laurel Delaney
Brittany Deline
Kay E. DellAntonio
Elizabeth J. Dellinger
Michele Delong
Eugenia M. DeLorenzo
Michael R. DelPrince
Nicholas DeMedio
Barbara Demontier
Alec Denlinger
Tracey Dennis
Denise Denny
Ronald P. DePasquale
Sabrina Depto
Kris Derickson
Dawn E. Derk
Valerie L. Detwiler
Felicia A. DeVincentis
Anthony M. Diasparra
Maria D. Diaz
Paul E. Dick
Thomas M. Didato
Belinda M. Diefenbach
Mary S. Dietz
Megan Dietz
Stephanie N. Dietz
Lisa D. Dillon
Jeff DiLullo
Christina D. Dinger
Thomas A. Dingfelder
Patricia M. DiStasio
Sandra DiTommaso
Alyson Dixon
Gwen Dixon
Brandon Dolin
Kimberly Dolmovich
Kevin D. Dolton
Katelyn Donat
Christopher Donatone
Debra A. Donnelly
Donald L. Doolittle, Jr.
Kenneth C. Doolittle
Esther Dorman
John C. Dormire, Jr.
Natalie Dorsey
Wendy Dorsey
Timothy D. Doty
Jamie Dougan
Kimberly M. Dove
Lauren Downey
Lisa A. Dowse
Amy L. Doyle
Daniel F. Doyle
Kaitlin Doyle
Katie Doyle
Rhonda Drake
Martin L. Dreibelbis
Linda Dressler
James B. Dubbs
Christina K. Dudley
Jessica Duffell
Joyce M. Dugas
Fred J. Duncan
Donna J. Dunham-Smith
Melissa A. Dunn
Crystal Durachko
Dean H. Dusinberre, Esq.
Amanda S. Dutrow
Mark G. Dwyer
T. Kay Eadie
Linda Eagle, Ph.D
Thomas L. Eberhart
Linda M. Eckert
Stephen Eckert
Sonale Edelmann
Robert G. Edgerton, Jr.
Joshua Edwards
Julie Edwards
Jennifer L. Ege
Diane L. Egly
Marilyn K. Eichelman
Nathan A. Eifert
Marianne C. Eisenhauer
Stephanie J. Elder
Maryann Ellefsen
Tamra Elletson
Ralph Ellingsworth II
Katie Ellis
Carrie L. Elter
Zachary Embry
Jack W. Emery
Amanda L. Engles
Kathleen Enslin
Shawn M. Erb
Lisa K. Erickson
Christian Ericson
Alexis E. Ertley
Steve F. Erway
Kelly L. Erwin
Kaitlin Evans
Susan E. Evans
Trudy K. Everhart
Kathleen E. Evert
Melissa D. Eyer
Susan R. Eyer
Jillian Fairman
Joshua R. Faith
Julie Fallon Hughes
Kevin Falvo
Matthew Faranda-Diedrich, Esq.
Margaret Farber
Philip O. Farr
Victoria L. Fasick
Salvatore V. Fazzolari
Kimberly A. Feigles
William R. Feist IV
Harry W. Felty
Barbara L. Ferguson
Casey L. Ferranti
Juliana Ferrara
Catherine Ferraro
Connie A. Ferraro
Joseph M. Ferretti
Amanda Ferris
Emily Fessler
John Fetsko
Wanda D. Filer, MD
Laura L. Fiore
Gloria Firestine
Amanada Fischer
Jason A. Fischer
Jorge Fitzmaurice Torres
Kathleen Fitzpatrick, CRCM
Thomas A. Fledderman
Peggy L. Fleming
Shari Fleming
Amanda Fletcher
Diana Flickner
Dawn R. Focht
Andrea Folk
Eric M. Follin
Diane Fonner
Dickson K. Forbes
Michael Foreman
Ronald Formanik
Robert E. Forse
Deanne L. Forslund
David L. Fortin
Renee K. Foust
Robert W. Foust
Diane Fowler
Andrew D. Franson
Charity L. Frantz
Summer Franzoni
Scott A. Frazier
Stephanie Frederick
Thomas E. Freeman
Janette M. Frey
Heather Frisbie
Stephen Fritz
Jessica Fronk
Krista Fuller
Peggy L. Fullmer
James Fulmer
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
PaBPAC Annual Report 2019 » 11
Rufus A. Fulton, Jr.
Charles E. Fultz, Jr.
Eric L. Funk
Constance M. Furman
Mary V. Gabriel
Amber Gabrielson
Nathan T. Gage
Kristy A. Gales
Andrew J. Gallagher
Cynthia A. Galloway
Joann Gannon
Margaret A. Ganter
Eric J. Gantz
Robert P. Gardill, Sr.
Kimberly Gardner
Lauren S. Gardner
Linda Gardner
Nancy A. Gardner
Tania Gardner
Dana S. Garland, ChFC
Lea J. Garrard
Cara D. Garrigan
Cassandra Gausman
Tina Geer
Ryan S. Geib
Meghan Geiser
June George
Melissa George
David M. Gerhart
Jody Geyer, Esq.
Jodie Gibboney
Tanya Gibbons
Lynda Gibilante
Gennie Gibson
Kathleen M. Gibson
James C. Gierlich
Lori A. Gigliotti
Karen S. Gilbert
Jean Gilkey
Russell E. Gillman
Beth N. Gilmore
Elizabeth A. Gilson
Philip E. Gingerich, Jr.
Halsey Ginther
Polly Gipe
Shane Gipe
Thomas Giuffrida II
Joseph A. Giunta
Stevi Glick
Loretta M. Gockley
Torey Goff
Jennifer L. Gohn
Katherine Goitia
Michael Goldberg
Mariann Golovkina
Jeannine M. Goncher
Kelly L. Goncher
Holly Jean Gonos
Kristine M. Good
Cathy S. Goodhart
Francis Goss
Shawn D. Gouldthread
John F. Gow
Kristin Grabiak
Richard A. Grafmyre, CFP
Avis M. Graham
Roger C. Graham, Jr.
Maureen Grant
Jacqueline A. Grasley
Terry Grassley
Glenn W. Grau
Janice L. Graybill
Shavonne Grayson
Julie Greeley
Carla J. Green
Nicole Green
Jody D. Greenawalt
Kristie M. Gregory
William K. Greis
Roxanne R. Greising
Joan L. Grenell
Melissa Griffin
Jim F. Griffis
Chad Grimes
Emily S. Grimes
Christopher D. Grimm
Rachel A. Grimm
Patricia A. Groover
Nola C. Gross
Vincent Gross
Jeanette Grove
Jessica L. Grove
Morgan Grove
Scott L. Gruber
Brian Grzebin
Betsy J. Guffey
Theresa M. Guldin
G. David Gundy
Ciera Gusky
Jillana L. Guth
Candee Gutshall
Shelby N. Hackenberg
Dianna L. Hackman
Kimberly Hackney
Gina Haffley
Laura Haffner
Nancy Haggarty
Joseph K. Haines
Jacob Hallead
Jennifer L. Halligan
Justin T. Hamilton
Richard C. Hamister
Amber L. Hancharick
Mary Carol Hanis
Patricia A. Hanks
H. Barton Hann III
Kathleen Harbison
Jodi Hargenrader
Phyllis J. Harmon, CFP
Tracie A. Harmon
Laurie S. Harrington
Randy L. Harris
Melissa Harrison
Victoria S. Harrison
Kathryn L. Harsch
Bryce Harshberger
Edna Hart
Nancy A. Hart
Barry W. Harting
Jennifer Lynn Hartle
Lisa Hartley
Holly A. Hartman
Allana L. Hartung
Daryl C. Hartzler
Charmaine Harvey
Michelle Hashin
Lisa M. Hassinger
Jan E. Hastings
Emily Hauser
Timothy I. Havice
Pamela Havrilla
John M. Hayes
Linda C. Hayes
Terah Lee Hayner
ShiAnne M. Hays
Nelda J. Hazlett
Patty Heagy
James C. Heasley
Jean C. Heath
Sara L. Heatley
Victoria Heavner
Beth Heckart
Christian F. Heckman
Sandra Heckman
Meghan N. Heebner
Rebecca Heidler
Nicole Heim
James M. Hein
Linda S. Heintzelman
Kayla Held
Heather Helm
Lisa Helmer
Thomas P. Hendershot
Lisa Hendrickson
Kimberly Henninger
Heather Henrich
Ashley Henry
Eileen Henry
Patrick B. Henry, Jr.
Marco C. Hensens
Donald W. Hepburn, Jr.
April Hepler
Shelly A. Hepler
Aliza Herbert
Amy B. Herrold
Thomas E. Hershelman
Margaret H. Hertlein
Lisa D. Hess
Dawn Hiepler
Autumn J. Highhouse
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
12 » PaBPAC Annual Report 2019
Amanda C. Higley
Melissa Higley
Richard G. Hildebrand
Rich A. Hildebrandt
Samantha Hildman
P. Jeffrey Hill
Meagan Hinderliter
Mackenzie D. Hindman
Christina L. Hines
Ian J. Hinsdale
Theresa M. Hinton
Darlene Hockenberry
Kris Hockenberry
Martha G. Hockenberry
Sara E. Hocker
Allison M. Hodas
Katelyn Hodle
Cindy Hoffman
Rose Hoffman
Jenna Hogue
Penny Hohman
Timothy R. Holder
Laura Holdren
Chase L. Holl
Jeffrey G. Hollenbach
Justine Holleran
J. Matthew Holliday
John Hollingsworth
Lena Elaine Holmes
William C. Holmes
P. Dean Homer
Gregory K. Homrock
Heather Hoover
Rainbow D. Hopkins
Deborah A. Hopper
Rebecca L. Hornberger
Terry P. Horner
Kristen D. Hornfeck
Tiffanie R. Horton
Shelly Hostetter, ADP-CPS
Bruce R. Hostler
Pam Hostler
John Hottenstein
Leslie A. Houck
Sarah Houston
Stephanie L. Howard
Kathryn Howe
Bette R. Howell
Thomas Howley
Lynn A. Hrabosky
Evangelos Hronis
Leslie V. Hubbert
Susan L. Hubble
David J. Hudak
James T. Huerth
Kelsey Huey
Michelle R. Huey
Amy Huffman
Brian M. Hughes
Kathleen E. Hughes
Michael J. Hughes
Aubery L. Hulings
Suzanne L. Huls
Christopher Hume
Andi Hummel
Sandra Hummel
Douglas A. Hummer
Donna S. Hunsberger
Debra A. Hunsicker
Amy Hupko
Lauren M. Hursh
Michael E. Huson
Shana Hutchin
Kathy D. Hutchinson
Richard Hutton
Michelle Hynes
Shelley R. Hysong
John Iannone
Denise Z. Ickes
Melanie A. Iezzi
Elizabeth Irvin
Shannon Irwin
Jaclyn R. Italiani
Joseph Ivock
Carly R. Izbinski
Hannah F. Jackson
Tammy L. Jackson
Douglas K. Jacobson
Janet Jacoby
Jennifer M. Jaycox
Garen Jenco
Christa S. Jennings
Sara L. Jennings
Phylis Jensen
Diana Jimenez
Michelle Johns
Amy Johnson
Elaina Johnson
Elizabeth A. Johnson
Eric A. Johnson
Holly A. Johnson
J. Eric Johnson
Julie Johnson
Patricia A. Johnson
Terri J. Johnson
Darren L. Johnston
Ashton K. Jones
Carmen R. Jones
Demi Jones
Jack W. Jones
Katie J. Jones
Kourtney Jones
Mickey L. Jones
Barbara Jordan
Christie Jordan
Amy L. Joseph
William M. Joseph
William D. Joseph
Lenee L. Jozefick
Brian A. Jurkowski
Dana Kaiser-Brechbiel
Chelsea Kane
Karen R. Kanoun
Erin L. Kanter
Marcia J. Karasek
Jane L. Karney
Debra Karom
Kaliopi Karomfily
Robert F. Karoscik
Crystal Kauffman
Stacy Kaufmann
Heather K. Kazinetz
William F. Kear
Dennis E. Keefer
Richard A. Keefer
Stacey L. Keener
Dale P. Keeney
Wade Keiffer
Barbara V. Keim
Jennifer Keim
Courtney Keiper
Jennifer B. Keister
Jeryldean Kellett
Hannah L. Kelley
Patrick Kelley
Deborah Kelly
Marci Kelly
Mark Kelly
Tonya M. Kelly
Gary Kelsey
Kim L. Kemp
Dina M. Kempski
Sue Kendig
Lisa A. Kennedy
Alexis Kenney
Donna Kenney-Smith
Pamela Kerber Gehman
Brittany A. Kerchersky
Denise R. Kern
Joseph Kesilman
Carl P. Kessler
Sharon Kestler
John R. Kidder
Casara I. Kieffer
Patrick E. Killpatrick
Mark A. King
Melanie King
Lisa L. Kinney
Valerie W. Kinney
Jennifer Kirk
Tyler A. Kirkwood
Timothy H. Kirtley
Christopher R. Kirwin
Tim Kishbach
Erin Kissoon
John D. Klatte II
Karen Klimczyk
Jaime J. Kline
Kenneth Klingler III
Cynthia L. Klose
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
PaBPAC Annual Report 2019 » 13
Gregory L. Kloss, Sr.
Jill Klotzbach
James G. Knepper, Jr.
Heather K. Knisely
Steven W. Knopf
Elizabeth Knott
Jessica A. Knouse
Timothy J. Kochanasz
Erika Koperna
JoAlyce Kopinski
Neal D. Koplin
Alysia Koppenhaver
Dawn A. Korman
E. Gene Kosa
Jonathan P. Kosior
Dennis Kottelich
Margaret Kovach
Amy D. Kovacs
Michelle E. Kozak
Susan Kramer
Lindsey Kratzer
Karl F. Krebs
Daria W. Kreider
Gene Kreitzer, Sr.
Justin F. Krellner
Tammy Kresge
John M. Kriak
Mary Kriberney
Kathryn Kriebel
Morgan A. Krieger
Alexander S. Kroll
Lauren E. Krum
Jacqueline Ksenich
Beverly J. Kubala
Anita Kuchcinski
Julie Kuen
Michael E. Kugler
Anne Kuhn
James F. Kuhn
Garry R. Kuhnle
Marsha K. Kuhns
Ronald G. Kukuchka
Kathleen B. Kulbitsky
Paul M. Kundrod
Tracy Kwiatkowski
Barbara Kyc
Randall LaBrie
Elisa Lahoz
Angelica Lahrman
Julie Lain
Amber Lambert
J. Wayne Lambert
Kathleen Lambert
Dana Lander
Andrew D. Landis
Karla S. Landis
Taylor Landis
Julie A. Lane
Troy Langendoerfer
Jeffrey M. Langford
Mary A. Lansberry
Kathy A. Lantz
Jacklyn Lantzy
Brent Lapp
Mary Largent
Donna B. Lash
Karen Lasorda
Kelly J. Latimer
Harlan W. Lavin
Brenda Lawrence
Renee D. Laychur, CFA
Cherry L. Laye
Melanie A. Lazzari
C. Andrew Leaman
Deborah A. Lee
Mimi Lee
Sascha C. Leftault
Ashley Legradi
Brian H. Lehman
Kelsey Leid
Preston J. Leisenring
Erin Leister
Maria R. Lemmo
Milissa J. Lenahan
Jeffrey H. Leogrande
Alida I. Leslie
Ryan Leszun
Richard J. Lettieri
Kris Levan
Marc D. Lewis
Sean Lewis
Shaina Lewis
Pamelia R. Libhart
Ramona Licastro
Scott E. Lied
Jennifer L. Lifsted
Michele E. Light
Paul C. Lindberg
Jeffrey S. Linden
Constance A. Lindenmuth
Kaylee Lineman
Debora M. Lion
Kimberly A. Lipyanik
Thomas R. Lisella
Bethany Liska
Nicholas Litrenta
Amanda Little
Brian Little
Jonathan Littlewood
Heather Lively
Susan B. Lloyd
Dorothy Lobdell
Kerry Lobel
Mary Locricchio
Michael R. Loeh
Jill E. Logan
Deborah Loll
Elizabeth Y. Loman
John Lombardo
Amy L. Long
Andrea L. Long
Lea Long
Matthew T. Long
Jessica Loper
Larry D. Loperfito
Matthew Loranger
Desiree Lord
Scott A. Love
Michael T. Lubonski
Ryan J. Luby
Katie J. Lucas
Christina Lukas
Judy Lundberg
Erica L. Lundgren
Ryan T. Lutz
Sara Mabold
Linda S. Macensky
Hilary Machmer
John A. Mack
Barbara A. Macks
Barbara Maculloch
Kelly E. Magee
R.A. Maguire
Brian C. Mahlstedt
Skye Mahosky
Sabrina Maines
Benjamin M. Major
Warren Major
Margaret S. Majot
Marco Maldonado
Jessica L. Malewski
Lori A. Maley, CPA
Andrew Malloy
Chelsey Malone
Heather Maloney
Mary Louise R. Maloney
Sarah L. Maneval
Kimberly A. Manganaro
Elizabeth A. Manges
Melanie M. Mann
Nancy Manning
Julie A. Marasco
Carol Marazza
Joanne Marchionni
Lisa Marchiori
Cynthia Marconi
Lauren Mariani
Charlene M. Markish
Christina Marmara
Heather Marsh
William C. Marsh, CPA
Glenn B. Marshall
Jessica M. Marshall
Britt Marten-Long
Ann L. Martin
Deidre Martin
James E. Martin
Jonna L. Martin
Julie L. Martin
Patricia A. Martin
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
14 » PaBPAC Annual Report 2019
Phil R. Martin
Rhetta B. Martin
Stacy Martin
Susan A. Martin
Trisha G. Marty
Heather Martz
Tina M. Martz
James Marvin
Sabrina Marx
Travis Marzo
Lynn M. Mason
Corinne Mast
Laurie J. Mast
Lisa M. Matheson
Charlotte Mathias
Peter L. Matson
Paul G. Mattaini, Esq.
Jeremy Mattern
Sharon D. Matthews
Denise J. Mattison
William Mauck
Christine Maurer
Jeff Maxwell, Jr.
Nancy J. May
Debbie Mayo
Virginia A. McAdoo
Michael J. McAndrew
Ashley A. McBride
Alyson McCabe
Harvard McCardle
Carla McCarthy
Leigh Anne McCartney
Joanne L. McCaw
Nancy Lee McClelland
Helene M. McCole
Marianne McConeghy
John McConnell
Kevin McCormick
Jennifer McCoy
Charles F. McCullough
Ryan McCullum
Tina K. McCurdy
Karen J. McDermott
Rhonda McDole
Deborah K. McDonald
Ian F. McDowell, CPA
April C. McElravy
Rebecca McFall
Jason A. McFalls
Valeria McFarland
Kevin McFarlane
Mitchell R. McFeely
Erin McGarry
Kelly McGarry
Kathleen McGarvey
Adam McGary
Leslie McGowen
June McGraw
Deborah McGregor
Marla J. McIlvain
Kristen McKeag
Deborah A. McKee
William R. McKee
Sean P. McKinney
Donald McKnight
Kathy McKnight
Kristie R. McKnight
Amy McMichael
Lorie McMillen
Julie McNamara
Shane E. McNaughton
Mary T. McNichols
Susan J. McQuillen
Sharyn McTaggart
Carrie McWilliams
Leslie Meck
Marissa Meckel
Susan M. Meier
Mark Mellas
Sondra K. Mellinger
Eileen Mendek
Tammy Mennor
R. Eric Menzer
Beverly A. Merrick
Mark G. Merrill
Adam Mertes
Karen Metz
Michael S. Metz
Kenetha M. Metzger
Leslie R. Metzger
Brian W. Meyer
James R. Miale
Shane Michalak, CPA
Lisa A. Michelone
Debora A. Micka
Harold J.P. Migias
Julie A. Mikolich
Frank C. Milewski
Danielle Millar
Alan L. Miller
Bonnie L. Miller
Brent Miller
Carley Miller
Carrie A. Miller
Cynthia A. Miller
Jason Miller
Jennie S. Miller
Jessica L. Miller
Judith M. Miller
Karyn L. Miller
Kayla Miller
Kierna L. Miller
Linda A. Miller
Linda K. Miller
Lisa Miller
Mark A. Miller
Mary A. Miller
Melissa D. Miller
Nichole Miller
Ronald Miller
Tex Miller
Jerome F. Millin
Sheila Millinder
Lisa Milne
Dustin A. Minarchick
Kristy J. Minier
Christopher J. Minns
Marnita Minto
John Minton
Brenda J. Mitchell
Jennifer Mitchell
Amanda Mix
Kevin G. Mizak
Tarrye Molick
Katee Monahan
Nicolesha L. Monahan
Peggy Monnie
Kathryn Monsell
Terrence M. Monteverde
Allison Moore
Jodi L. Moore
Rebekah R. Moore
Tiffany Moore
Tom Moore
Sally Morgan
Leslie N. Morgenstern
Cheryl A. Morris
Judy Morris
Patrick D. Morris
Dale E. Morrow
Sean Morrow
Larry G. Morton
Janell Moser
John Moses
Annette M. Moshgat
Ashley Mossie
Chester Q. Mosteller
Cynthia M. Motichka
Gary M. Moyer
Janet M. Mueller
Alice R. Muldrow
Sharon A. Mullaney
Craig M. Mullen
Susanne Mullin
Eric D. Mummau
Larissa Murphy
Stephen R. Murphy
Krista D. Murr
Darian Murray
Glenn P. Murray
Patricia M. Murray
Mary Ann Murtha
Melissa S. Musser
April Myers
David Myers
Elisia Myers
Julie A. Myers
Dominick Michael
Michael Nace
David Nagle
Elizabeth C. Nagy
Robert W. Naismith, Ph.D
James R. Nanovic
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
PaBPAC Annual Report 2019 » 15
Seth J. Napikoski
Peter Nastase
Danielle Nazaruk
Daniel P. Nead
Stefanie Neff
Brian M. Neitz
Hailey Nelson
Susan L. Nelson
Thomas Nelson
Joanne Nemeth
Volha Ness
Ashley L. Nevling
Catherine Nicholas
James B. Nicholas
Brenda L. Niedererr
Halle N. Niklaus
Theresa Noble
Chrissy Nolte
Brandy Norton
Lisa Norton
Brandi J. Nowakowski
Tarah Nystrom
Timothy P. O’Brien
April O’Connell
Mary O’Connell
Thomas P. O’Connell
Taylor O’Dell
Kara L. Odom
Robert M. Odom
Genevieve Oduor
Eric B. Offner
Diann Ogline
Tracy O’Hern
Erika E. Olson
Michelle Olson
Rachel Opp
Linda M. Ordway
Heather Ortman
Larry D. Oswald
Lisa A. Otery
Jay M. Over
Jodi L. Ozmun
Beth N. Packel
Joseph L. Paese, CFP
Paul K. Page
Lori Painter
Ronda Palmer
Kathryn Palopoli
Barbara Panebianco
Karen Pangrazzi
Chelsea N. Pannebaker
Margaret M. Papalia
Ela Papayanni
Daphne L. Pape
Nick Parise
Shari Parks
Jaclyn K. Parry Bogert
John T. Parry
Gary S. Parzych
John Pash III
Victoria E. Pasquale
M.E. Pasquerilla
Rebecca S. Pasquinelli
Aaron Pastor
Robert W. Pater
Diane Paulukinas
Christine Pavlakovich
Amy J. Pavlichko
Carolyn M. Payne
Teresa Payne
Denise Peachy
Cynthia M. Pearce
Richard Pearce
Amanda M. Pearson
Ellen Pearson
Lindsay M. Pecht
Amanda Peck
Samantha J. Pecynski
Jordan M. Peffer
James Peirce
Edward K. Penner III
Glenn R. Pentz
Brittni A. Pereschuk
Sheryl E. Perkins
Gina Perrin
Dana Perrott
Nelson L. Person
Kathleen M. Peter
Melissa D. Peters
Shari L. Peters
Brian R. Peterson
Jill Peterson
Gregory D. Petrilla
Denise Petrozino
Jacqueline M. Pettenger
Barry L. Pflueger, Jr.
Donald G. Pfohl
Lori A. Phillips
Lindsey Pickering
Susan Pieters
Hope M. Pifer
Michael Piller
Danielle M. Pine
Mary Jane Pingie
Gretchen Pink
Eva Pino
Jill Pino
Nick Plawa
Rani Poague
Melissa Polaski
Christine M. Pollard
Joseph Pollock III
Tiffany M. Pompei
Kelli Pontzer
Robert M. Pope
Saleeta Pope
Helen Portale
Jack W. Portser, Jr.
Amy B. Potter
Shiann Potter
Susan Powell
Tamika Powell
Alison Power
Katherine M. Powley
Renee L. Preso
Deborah A. Price
Donna L. Price
Michele Price
T. Michael Price
Alec Pringle
Lauren M. Pringle
Alison Prisco
Paul A. Pritchard
James P. Probst
Thomas J. Profy IV
Shawn R. Proper
Philip A. Prough
Sherry Pruzinsky
Tracy Pruzinsky
Allison Prybella
Mary C. Pucciarella
Andrea L. Pugh
Howard A. Pulker
Maureen Putnam
Marian V. Puzycki
Ida M. Queen
Denise F. Quinn
Ryan Race
Colleen M. Radney
Ted Radu
Jeffrey J. Rae
Samantha Rafalski
Rose Raith
Paula Ralston Nenish
Kim H. Ranck
Randi Ranck
Sherl Randolph
BJ Rankin
Tom N. Rasmussen
Audrey Rattay
Cindy Raub
Denise M. Rautzhan
Leslie R. Raymond
William R. Reabold, Jr.
Robin B. Ream
Kara Rearick
Joseph Rebarchak
Brian Reed
Jennifer L. Reed
Jennifer L. Reed
Rebecca Reed
Nina M. Reese
Lauren Reichenbaugh
Orly Reif
Kirsten Reiff
Philip J. Reilly, Jr.
Cathy A. Reimer
Reggie Reiter
Christopher J. Rell
John J. Remaley
Barbara Rendel
Andrew Rendos
Mark Renzini
Alaina Reott
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
16 » PaBPAC Annual Report 2019
Amber N. Resto
Penny Reveley
Susan E. Rex
Melissa Reynolds
Timothy R. Rhoades
Amy Rhoads
Liliane Ribeiro
Emily Rice
Michael J. Rice
Andrew P. Richard
Scott W. Ridgeway
Dawn Riding
Mary Ann Riggins
Kristi N. Riley-Platt
Mary Ann Risboskin
Darrell Rishel
Linda S. Rishell
Lorrin A. Rishell
Karin Rissinger
Jackie Ritchey
Billie Jo Robbins
Sherwood P. Robbins
Timothy Roberts
Jenna Robinson
Kodi Robinson
Stephen D. Robinson
Anthony F. Rocco
Jeffrey J. Roche
Jon Rockey
Kristina Rode
Nadine J. Rodgers
Michael Rogan
Glenda M. Rogers
Joan E. Rohe
Dwight D. Rohrer
Kenneth J. Rollins, Esq.
Sandra Romaszewski
Christopher D. Romig
Tracy Rooke
Annette Rose, CTFA
Bethany Rose
Melody A. Rosenberg
Chad L. Rosenberry
Wilma M. Rosenberry
Shane Rosenfelder
Rebecca L. Ross
Sherry L. Ross
Donna M. Rossi
Sharon L. Rotenberger
Adrianne Rothermel
Ashley Rothermel
Melissa Rothermel
Jennie L. Rothweiler
Brittany Rouse
Sonya C. Route
Jennifer A. Roxbury
Melissa K. Royer
Eric S. Rubin
Melissa Ruby
Angela Rucinski
Lori A. Rudalavage
Kathryn A. Ruffa
Lynne S. Ruffner
Kris A. Ruhl
Mandi L. Ruhl
Joshua Rumbaugh
Mara Rumbaugh
Chelsae Rupert
Krista Rupert
Sandra L. Rush
Melissa Rushworth
Craig Russell
Sarah Russell
Meghann Ryan
Brian Sager
Kate Deringer Sallie, Esq.
Paul D. Sallie
Jack R. Salvetti
Lisa M. Sano
Angie Sargent
Sara Ann Sargent
Ryan J. Satalin
Aaron Sattler
Bristol Sauer
Leslie J. Sauer
Kevin Savard
Lawrence Savino
Dana Sawyer
Vicki L. Sayti
Richard M. Scanlon
Rachel Schadel
Tammy L. Schaeffer
Daniel J. Schaffer
Joan M. Scherer
Stephen J. Scherer
David J. Schillinger
Michalene N. Schillinger
Todd M. Schirmer
Lori Schissler
Joshua S. Schneider
Mark R. Schoen
Dustin Schoening
Melody P. Schott
Nicole Schrecengost
Cristerland K. Schreffler
Kevin J. Schreiber
Caitlin M. Schropp
Clay A. Schuler
Jennifer M. Schultz
Sandra J. Schultz
Amber Schwab
Kathleen A. Schwick
Julie L. Schwindt
Jennifer Scicchitano
Wendy Sciullo, MSOL
Diana Scott
Linda A. Scott
Maria S. Seabra
Melanie F. Seagraves
Barb Seaman
Douglas A. Seibel
Laura Seitz
Susan M. Seitz
Irene Selvaggi
Denise M. Seman
Linda D. Senft
Michael Senico
Heather D. Serafini
Kathryn Serniak
Christine R. Serre
Mollie Jenn Severson
Ron Seymour
Sandy Shadle
Charity A. Shaefer
Meghan Shafer
Brenda L. Shaffer
Deborah S. Shaffer
James A. Shaffer
Margaret J. Shaffer
Ruth L. Shaffer
Himani Shah
Jill D. Shambach
Danan Sharer
Michael W. Sharp
Shelley L. Shatzer
Andrea Shawgo
Trisha K. Shearer
Keith L. Sheffer
William Sheffer
Christie Shehan
Pamela A. Shenk
Kate Shepherd
Stacy L. Sherry
Caleb J. Shertzer
Deborah A. Shief
Lori Shimel
Karen D. Shinn
Bruce E. Shipley
Marie Shires
Sally A. Shirk
Kristen Shoemaker
Amy Shomper
William J. Shorb
Alicia Showalter
Erika Shueler
Beth Ann Shuey
Michele Shuller
Ariana Shultz
Judy Shuman
Stacey A. Sickler
Charles F. Siegfried III
Todd Sigeti
Lindsay Sim
Eileen K. Simkovitch
Richard Simmers
Kuldeep Singh
Lynn Ann Sinko
Gregory J. Sipos
Andrew Siscaretti
Melissa A. Sitlinger
Trey Skalos
Kristen Slick
Luke Slubowski
Cynthia A. Smaniotto
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
PaBPAC Annual Report 2019 » 17
David D. Smeal
Pat Smiley
Adam B. Smith
Amber Smith
Amy M. Smith
Betsy J. Smith
Brett L. Smith
Cheryl A. Smith
Connie E. Smith
Debra A. Smith
Donna Smith
Douglas N. Smith
J. Seth Smith
James E. Smith, Jr.
Kimberly G. Smith
Kimberly Smith
Lindsey Smith
Lori Smith
Lynne M. Smith
Mark T. Smith II
Michael A. Smith
Rodney H. Smith
Sally K. Smith
Tina J. Smith
Wendy J. Smith
Bruce A. Smithgall
Mark Smithgall
Julie A. Snare
Jacqueline N. Snell
Brandi Snook
Betsy Snyder
Cindy Snyder
Cory Snyder
David L. Snyder
Gregory W. Snyder
Jeffrey Snyder
Lisa A. Snyder
Nichel Snyder
Teri A. Snyder
Talwinder K. Sohi
Rachel Solomon
Tyler Sones
Helicia E. Sonney
Karla R. Sooby
James L. Souto
Sydney Sparling
Wendy Speed
April A. Spencer
Julie F. Spiker
Nicole M. Spiker
Daniel G. Spinelli
Diana L. Sponseller
Cristy L. Sprankle
Lisa Marie Sprenkle
Ashley Springer
Natalie J. Stackhouse
Karen Stanford
Stephen P. Stanko
Sarah S. Stansfield
Melissa M. Stanton
Daniel L. Stants
Rebecca A. Stapleton
Esme Stasa
Sabrina L. Statler
Michelle L. Staton, MBA
Denise E. Staub
Vicki L. Stec
Gail Steelman
Sue Stefanowicz
Kimberly Steinberg
Lis Steiner
Maureen Stephenson
Bobbi Jean Sterndale
Kathy Stetler
Cathy M. Steuber
Michael Stevens
Kayleigh Stewart
Kelly Stewart
Michael M. Stewart
Wendy L. Stewart
Jessica Stidd
Rebekah M. Stiely
Karen A. Stiltner
Stevi L. Stimely
Shelly Stockmal
Lorri Stocum
Sharon Stofflet
Thomas R. Stone
Kevin M. Stoner
Wilmer G. Stoner
Patti Stoudt
Amy M. Stout
George S. Stover, Jr.
Peggy Stover
Marina T. Stremick
Stephanie L. Strickler
Amanda Striley
Lori A. Strimple
Wendy S. Strohecker
Amy W. Strohm
Norman M. Strotman
Karen C. Stroud
Sheri Strouse
Jenilee Struble
Francis J. Strunk
Rebecca L. Stuckey
Krystal Sullivan
Christine Sumer
Elliott T. Sumner
Jennifer Sunderland
Kayelene G. Sunderland
Raymond J. Swacha
Kellie R. Swales
Dean L. Swanson
James M. Swanson
Theresa L. Swanson
Veronica Lynn Swanson
Daniel Swartz
David W. Swartz, Esq.
Judy Swartz
Rachel D. Swartzfager
Jonathan G. Swearer
Jessica J. Sweeney
Jessica L. Sweet
Samantha Swigart
Jennifer L. Swinger
Wendi Swoger
Rachel Szaider
Kenneth R. Szczur
Susan Tacchino
Joan Tacelosky
Emily Taft
Jonathan Tapocik
Natalie Taptykoff
William C. Tarpenning III
Andrea Taylor
Kelly L. Taylor
Loretta C. Taylor
Justin A. Teets
Carvel F. Tefft
Beth Terhorst
Brenda L. Terry
Riley Terysen
Ryan Tevlin
Tim Tewksbury
Richard J. Theis
Jerome D. Theobald
Lynn Thiel
Dale L. Thistlethwaite
Deborah M. Thomas
Dorrie D. Thomas
Jody N. Thomas
Steve Thomas
Teresa A Thomas
Deborah A. Thompson
Marah Thompson
Mark A. Thompson
Viktoria Thompson
David A. Thomson
Jacqueline M. Tierney
Candace Tierno
Carmela Timmons
Linda D. Timmons
Emily Ting
Andrew M. Tjernlund
Adrian X. Tkach
Zachary Tolomei
Joseph S. Tomko
Kay Toscano
Scott C. Totten
Theresa A. Trace
Meghan N. Tramacera
Christian C. Trate
Therese L. Triana
Kenneth G. Trimbath
Patricia A. Trinclisti
Gary C. Trively
Jeremiah Trout
Debra L. Truckermiller
Katina Truesdale
Ryan M. Trulick
Nancy Tubbs
Cory S. Tubo
Dorthy M. Turner
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
18 » PaBPAC Annual Report 2019
Mark A. Turner
Laura E. Ulrich
Robin Umbenhauer
Deborah L. Unflat
Leslie A. Unger
Ray L. Unger
Gail Updyke
Jerry F. Updyke
Michelle E. Urban
Eugene Vadella
Wendy L. Valentine
Jill M. Valentini
Jonathan J. Valerio
Ashley VanArsdale
Robin E. Vancheri
Heather VanDeMark
Reed VanDerlyke
Destiny Vanderpool
Peter C. Varischetti
Donald L. Varner
Pamela Varner
Samantha Varner
Melinda J. Venella
John J. Ventura
Robert A. Vernick
William J. Vitiello, Jr.
Tracy Vogan
Brenda Vorce
Bradley J. Wagner
Elaine V. Wagner
Kimberley A. Wagner
Michelle M. Wagner
Sharon Wagner
Kevin C. Wain
Edward L. Walakovits
Amanda Waldron
Brittany Walker
Philip C. Walker
Ryan Walker
Shawn O. Walker
Thomas J. Walker
Brenda G. Wallace
Brinli Wallace
Jill T. Wallace
Sherry L. Wallace
Susan Wallace
Eugene J. Walsh
Paul J. Walsh
Carrie L. Walter
Matthew J. Walter
Catherine E. Walters, Esq.
Robert Walters
Jessica Walton
Amy E. Ward
Joseph G. Ward
David Warho
Susan Warrick
Michael J. Waseleski
Charles Wasson
Sasha M. Watkins
Rebecca Watt
Debra J. Watts
Linda S. Weader
Carol A. Weatherby
Ann Weaver
Debra L. Weaver
Dennis A. Weaver
Matt Weaver
Nathan A. Weaver
Sara Weaver
Lori J. Weber
William H. Weber II
Harland C. Webster
Rachelle Wehr
Heather Wehry
Debra K. Weikel
Jerry J Weinberger
Steven Weinberger
Alissa Weiss
Kristine Welch
Lorraine Welker
Christine Welkie
Elaine Weller
Sue Ellen Wells
Edwin A. Wenner
Donna Wenrick
Debra J. Wert
Taylor M. Wesesky
Brenda Wesner
Kathryn Wesneski
Nancy J. West
Thomas A. Westerlund
Samantha A. Westover
Kimberly A. Wetherhold
Connie L. Weyandt
Amy B. Wherley
David Whetsell
Eric White
Jeffrey R. White
Melinda J. White
Janet A. Whitehead, SPHR
Allanna Whittemore
Katie Whysong
Shannon Wiertel
Elizabeth Wilbur
Douglas Wilburn
Janice M. Wilcox
Charles E. Wildoner
Brian Wilken
Teresa Wilkins
Tony Willard
Elaine Williams
Stacey S. Williams
Tracie L. Williams
Amber Wilson
Dennis L. Wilson
Diane K. Wilson
Donna M. Wilson
Eric Wilson
Jaleesa M. Wilson
Jeffrey D. Wilson
Jeffrey J. Wilson
Nicole Wilson
Nadine Wingrove
William F. Wise, Jr.
Jacqueline Wisler
Marilyn M. Wisniewski
Stacey Witmer
Brittany L. Wolff
Tracey Wolford
Carl M. Wolfrom
Sally S. Wolgin
Lynn Wolinsky
Beth A. Wolyniec
Carrie Wood
Rita Wood
H. Steen Woodland II
Ashley Woods
Mary E. Woy
Virginia Wright, AAP
Todd Wroblewski
Amy N. Wundrack
Leeann K. Wyland
Cathy Wynn
Robert J. Yahner
James B. Yard
Rebecca N. Yeager
Danielle A. Yeater
Charles Yi
Jodi Yingling-Acierno
Crystal Yoder
Christine K. Yohe
Whitney Yohn
Holly C. Young
Margaret M. Young
Martha Young
Shaun Young
Stephanie L. Young
Stephen T. Young
Jenny Yu
Brittany Zagozewski
Sarah A. Zajdel
Cynthia Zamroz
Sheri N. Zeiders
Christopher D. Zeigler
Danette L. Zellers
Dawn Zenner-Gaudi
Mark Zerbe
Penny Zesiger
Sandra Ziegler
Dennis F. Zielinski
Emily Marie Zielinski
Donna M. Ziev
David P. Zimmerman
Dianne E. Zimmerman
Patti J. Zimmerman
Lee R. Zink
Margaret M. Zona
Jennifer L. Zukowski
Robert Zukowski
Jessica A. Zupich
*The PA Bankers staff has reviewed these names multiple times. We apologize for any names that are misspelled/errors.
PaBPAC Annual Report 2019 » 19
2019 Friends of Banking
In 2019, PaBPAC contributed to the political action committees listed below:
Baker for Senate Committee
Benninghoff for Representative Committee
Bipartisan Committee to Elect Jack Rader, Jr.
Build PA PAC
Camera for Senate
Citizens for Jake Wheatley
Citizens for Jason Ortitay
Citizens for Jordan Harris
Citizens for Joshua Kail
Citizens for Mackenzie
Citizens for Mike Regan
Citizens for Pat Browne
Citizens for Seth Grove
Citizens for Stan Saylor
Citizens for Vincent Hughes
Committee to Elect Aument
Committee to Elect Dan Laughlin
Committee to Elect Eddie Day Pashinski
Committee to Elect James Brewster
Committee to Elect Joe Emrick
Committee to Elect R. Lee James
Committee to Elect Rob Kauffman
Committee to Elect Scott Hutchinson
Committee to Elect Tarah Toohil
Committee to Re-Elect John Sabatina
Committee to Re-Elect Mario M. Scavello
Commonwealth Leaders Cup
DiSanto for Senate
Friends for Donna Oberlander
Friends for Mike Reese
Friends for Sheryl Delozier
Friends of Aaron Bernstine
Friends of Andrew Lewis
Friends of Barry Jozwiak
Friends of Ben Sanchez
Friends of Bob Mensch
Friends of Bryan Cutler
Friends of Caltagirone
Friends of Carl Walker Metzgar
Friends of Chris Quinn
Friends of Doug Mastriano
Friends of Farnese
Friends of Frank Dermody
Friends of Frank Farry
Friends of Frank Ryan
Friends of Gary Day
Friends of Gene Yaw
Friends of George Dunbar
Friends of Greg Rothman
Friends of Jake Corman
Friends of Jesse Topper
Friends of Joe Pittman
Friends of Joe Scarnati
Friends of John Gordner
Friends of John Hershey
Friends of Jonathan Fritz
Friends of Judy Ward
Friends of Karen Boback
Friends of Kate Klunk
Friends of Keefer committee
Friends of Keith Greiner
Friends of Kevin Boyle
Friends of Kim Ward
Friends of Kristin Phillips-Hill
Friends of Kyle Mullins
Friends of Lisa Boscola
Friends of Liz Hanbidge
Friends of Longietti
Friends of Lou Schmitt
Friends of Marci Mustello
Friends of Marcy Toepel
Friends of Mark Keller
Friends of Martin Causer
Friends of Matt Bradford
Friends of Matt Gabler
Friends of Meghan Schroeder
Friends of Mike Driscoll
20 » PaBPAC Annual Report 2019
Friends of Mike Peifer
Friends of Mike Schlossberg
Friends of Mike Turzai
Friends of Pam Iovino
Friends of Pat Stefano
Friends of Peter Schweyer
Friends of Russ Diamond
Friends of Scott Martin
Friends of Senator John Blake
Friends of Sharif Street
Friends of Stephen Kinsey
Friends of Tim Hennessey
Friends of Tom Murt
Friends of Wendi Thomas
Friends to Elect Christine Tartaglione
Gaydos for PA
House Democratic Campaign Committee
House Republican Campaign Committee
Jay Costa, Jr. for State Senate
John Galloway for State Representative
Killion’s Victory Committee
Langerholc for Senate Committee
Leanne for PA
Mako for PA
Mike Regan for Senate Committee
Northeast Republican House Delgation
People to Elect Michele Brooks
Rosemary M. Brown for State Representative
Senate Democratic Campaign Committee
Senate Republican Campaign Committee
Staats for State Rep
Sue Helm for State House
Taxpayers for Tommy
Taxpayers for Torren
Vogel for Senate
Volunteers for Argall
Williams for Senate
Citizens for Prosperity in America Today PAC
Brian Fitzpatrick for Congress
Citizens For Boyle
Chrissy Houlahan for Congress
Susan Wild for Congress
Meuser for Congress
Patriots for Perry
Smucker for Congress
Fred Keller for Congress
Dr. John Joyce for Congress
Guy for Congress
Friends of Glenn Thompson
Greater Tomorrow PAC
Mike Kelly for Congress
Keep America Rolling PAC
2019 Campaign Achievements
For questions or to learn how you can contribute to the 2020 Campaign,
contact Erin Kanter, (717) 255-6910 or
2019 Campaign Goal
Total Raised in 2019
Total Number of Bankers
That Contributed: 3,789
62 bankers took Denny’s Dare,
contributing $1,000 or more
2019 Statewide Denim Day:
$2,722.50 raised
6 banks participated in the
2019 statewide Denim Day