2024 Pub. 15 Issue 4

President’s Message: Elections Present New Opportunities and Challenges	5
Why Community Banks Don’t Hedge (and Why They Should)	6
The Blunt Truths of Banking MRBs	8
Workout Your Workouts	11
Top Strategies for Managing Liquidity in a Falling-Rate Environment	14
Scarcity or Prosperity	16
Proper Oversight Keeps a Plan Running Smoothly	20
Credit Risk Management	22
Cybersecurity and AI	24
Is the United States Entering a Prolonged Period of Low Unemployment and Rising Wage Inflation?	26
2025 Upcoming Events	27

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