Pub. 5 2016 Issue 6

August 2016 7 l e a d i n g a d v o c a t e f o r t h e b a n k i n g i n d u s t r y i n k a n s a s for the industry, he sought higher roles and found one at the Baxter State Bank. In August of 1988, he was hired as a problem loan workout officer, intending to make Baxter Springs a temporary home. Little did he realize this would be his final move and in January of 1989, he accepted the role of President and CEO. Banking is in the life blood of his family members as well; Hoskins wife, Buggy, also a registered nurse, worked as a part-time teller for over 20 years and his daughter, Hilary, is a case manager for the FDIC. The new Chairman has a story of commitment to the banking industry with previous service as Chairman of the KBA Employee Benefits Committee, KBA Board of Directors 2010-2013, KBA Products and Services Taskforce, KBAAg Committee and the KBA BankPAC Committee. He is a graduate of the Graduate School of Banking in Madison, WI as well. Hoskins is deeply committed to his community by serving on numerous boards and committees and is currently Chairman of the Baxter Springs Senior Housing, President of the Crestwood Country Club in Pittsburg, board member of the Economic Development Advisory Council for the City of Pittsburg and a board member of the Community Foundation of Southeast Kansas. Jim has a foundation in small business, farming, and ranching that he is very proud of. The hobbies that have drawn Hoskins in over the years are adventurous: horseback riding, scuba diving and riding motorcycles, in addition to being a former pilot. He recently sold his last Harley (according to his wife and daughter) and is an avid golfer. He and Buggy have traveled overseas numerous times and plans for the near future include surface travel in the continental United States and advocacy for the banking industry. Hoskins is passionate about taking care of customers who would otherwise "fall through the cracks." For this reason, one of his focuses is the constant verbal promotion of small banks that is vital to their survival. “Many of my customers are below the minimum credit score threshold that most lenders require. Without relationship banking, these people would have no access to affordable credit,” stated Hoskins. The model he uses is character, capacity and collateral. “Banking is banking but there are different markets,” Hoskins continued. “We all have to be very consumer oriented.” He loves the education portion of his role in banking. “I like to be able to explain to customers why their credit score is what it is, and then give them the knowledge to correct it,” he said. Hoskins has stories about going to customers homes to repossess motorcycles. Because of the relationship model he uses for making loans, he personally knows these customers and is able to explain that the bank will take great care of the motorcycles until they can bring the loans current and demonstrate their ability to handle the expense. The overwhelming majority of customers honor their commitments. This is what Know Your Customer is really all about. As the Chairman of the KBA Hoskins plans to represent and promote all Kansas banks and continually reinforce to elected representatives the impact and consequences of one-size-fits-all legislation and how that, in turn, affects our communities and customers. He is sympathetic to all community banks in this regulatory environment, as many simply try to serve their customers and communities. He believes it’s important to continually remind those outside the banking industry that the activities of a few big banks and lack of judgment in the mortgage creation industry, combined with a federal policy that tried to ensure that every American family owned a home, resulted in the monumental economic downturn in 2008. As a result, Washington has vilified all bankers. Hoskins plans to advocate for traditional banking and regulation that is appropriate to that business model. Jim, Buggy and Hilary 1991