2016 Vol. 100 No. 8

25 HќќѠіђџȱ юћјђџ ѢєѢѠѡȱ2016 Guiding Indiana Community Banks Since 1978 ,FOU 0) t 1IPFOJY "; Strategic Planning Capital Planning Liquidity Planning Regulatory Assistance Stock Valuations Capital Markets Internal Audit Information Technology Recruitment & Human Resources Lending & Loan Review Regulatory Compliance Policy Development Young & Associates, Inc. Consultants to the Financial Industry 35 YEARS 1978 - 2016 + ‘ŽȱŒ˜ž—›¢ǰȱŒ˜––ž—’¢ȱ‹Š—”œȱ•’”Žȱ ¢˜ž›œȯ ‘Ž›Žȱ’›ŽŒȱŠŒŒ˜ž—Š‹’•’¢ȱ œ’••ȱ›’ŸŽœȱŒ˜––˜—ȬœŽ—œŽȱŽŒ’œ’˜—œȯ Œ˜—’—žŽȱ˜ȱž™‘˜•ȱ‘˜œŽȱ™›’—Œ’™•Žœȱ ˜ȱŽŒ˜—˜–’Œȱ•’‹Ž›¢ȱŠ—ȱ˜™™˜›ž—’¢ȱ ˜›ȱŠ••ǯȱ Šœ‘’—˜—ǰȱ ŽěŽ›œ˜—ǰȱ ›Š—”•’—ǰȱ Š–’•˜—ȱŠ—ȱ˜ž›ȱŒ˜ž—›¢Ȃœȱ ˜‘Ž›ȱ˜ž—Ž›œȱ ˜ž•ȱ‹ŽȱŽ•’‘Žǯ ȱ ‘ŠȂœȱŠȱœžŒŒŽœœȱœ˜›¢ȱ›ž•¢ȱ ˜›‘ȱ ŒŽ•Ž‹›Š’—ȱŽŸŽ›¢ ‘Ž›Žȱ ’‘ȱ™Š›ŠŽœǰȱ Œ˜—ŒŽ›œȱŠ—ȱꛎ ˜›”œǯȱȱ Joe Chamnessȱ‘Šœȱ ›Ž’›ŽȱŠœȱŽ¡ŽŒž’ŸŽȱ Ÿ’ŒŽȱ™›Žœ’Ž—ȦŒ‘’Žȱ •Ž—’—ȱ˜ĜŒŽ›ȱ˜ȱ First Bank RichȬ mond, NA,ȱŠŽ›ȱŘřȱ ¢ŽŠ›œȱ˜ȱœŽ›Ÿ’ŒŽȱ ’‘ȱ ‘Žȱ‹Š—”ǯȱ Žȱ‘Šœȱ –˜›Žȱ‘Š—ȱŚŖȱ¢ŽŠ›œȱ˜ȱ‹Š—”’—ȱŽ¡™Ž›’Ȭ Ž—ŒŽȱŠ—ȱ’œȱŠȱ–Ž–‹Ž›ȱ˜ȱ‘Žȱ —’Š—Šȱ Š—”Ž›œȱ œœ˜Œ’Š’˜—ȱ ˜›¢ȱ ŽŠ›ȱ •ž‹ǯ Š›˜•ȱ Œ Ž¢ȱ‘Šœȱ ›Ž’›ŽȱŠœȱ‹˜Š›ȱ –Ž–‹Ž›ȱ˜ȱFirst Bank Richmond, NAǯȱ ‘Žȱ“˜’—Žȱ‘Žȱ ‹˜Š›ȱ’—ȱŗşşŚǯȱȱ TAKING IT EASY FROM THE BOARD ROOM Š‘›¢—ȱ ›ž£Ȭ ›’‹Žȱ ‘Šœȱ‹ŽŽ—ȱŽ•ŽŒŽȱ˜ȱ ‘Žȱ‹˜Š›ȱ˜ȱ’›ŽŒȬ ˜›œȱ˜ȱFirst Bank Richmond, NAǯȱ ‘Žȱ œŽ›ŸŽœȱŠœȱŒ‘Š—ŒŽ••˜›ȱ ˜ȱ —’Š—Šȱ —’ŸŽ›Ȭ œ’¢ȱ Šœǯ ȱ ¢——ȱ ŽĵŽ•ȱ‘Šœȱ ‹ŽŽ—ȱŽ•ŽŒŽȱ˜ȱ‘Žȱ ‹˜Š›ȱ˜ȱ’›ŽŒ˜›œȱ ˜ȱFirst Bank Richmond, NAǯȱ Žȱ’œȱ‘Žȱ˜ —Ž›ȱ˜ȱ ŽĵŽ•ȱ Š–’•¢ȱ ž˜ȱ ›ž’œŽǯȱȱȱ ȱ Š—”Ž›œȱ ™ŽŠ”ȱ ™ȱ’œȱŠȱ›ŽŽȱ›Žœ˜ž›ŒŽǰȱŽ¡Œ•žœ’ŸŽȱ ˜ȱ‹Š—”Ž›œǰȱ‘Šȱ™›˜Ÿ’ŽœȱŒžœ˜–’£Š‹•Žȱœ™ŽŽŒ‘Žœǰȱ Š•”’—ȱ™˜’—œǰȱ ŽŽœȱŠ—ȱ–˜›Žȱ˜ȱ‘Ž•™ȱ‹Š—”Ž›œȱ œ™ŽŠ”ȱž™ȱ˜ȱ•Ž’œ•Š˜›œǰȱ‘Žȱ–Ž’ŠȱŠ—ȱ‘Žȱ Œ˜––ž—’¢ȱŠȱ•Š›Žǯȱ ˜ȱŠŒŒŽœœǰȱŸ’œ’ȱ‘Žȱ ȱ Ž‹œ’ŽȱŠȱ’—’Š—Š‹Š—”Ž›œǯ˜›ǰȱŠ—ȱŒ•’Œ”ȱ ˜—ȱ‘Žȱ Š—”Ž›œȱ ™ŽŠ”ȱ ™ȱȃ–ŠœŒ˜ǯȄȱ ˜›ȱ–˜›Žȱ’—˜›–Š’˜—ǰȱŒ˜—ŠŒȱ Šž›Šȱ ’•œ˜—ȱŠȱřŗŝȬşŗŝȬŞŖŚŝǰȱŽ–Š’•DZȱ • ’•œ˜—ȓ’—’Š—Š‹Š—”Ž›œǯ˜›ǯȱ Register for ‘Bankers Speak Up’ Š—”Ž›œȱ ™ ˜ȱ‹Š—”Ž›œǰȱ‘Š Š•”’—ȱ™˜’— œ™ŽŠ”ȱž™ȱ˜ Œ˜––ž—’ Ž‹œ’ ˜—ȱ‘ ˜›ȱ– Šž› • ’•œ˜ Register fo

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