2020 Vol. 104 No. 1

COVER STORY - Lucas White: Focused on the Future	10
ARTICLE SPOTLIGHT - 2019 Banking on Women Conference	16
FEATURE:	4
Vantage Viewpoint	6
Chairman's Report	7
IBA Calendar of Events	9
Community Banking in 2020	24
GR SUMMIT - Indiana General Assembly 2020	20
FLD FOCUS - FLD 2020	22
INDIANA BANK & THRIFT STOCK UPDATE - Stock Analysis	26
HUMAN RESOURCES - Mandatory Employment Arbitration Agreements	28
PSP SHOWCASE - Focus on Fraud	30
PRODUCTS & SERVICES PROFILE - Save Time, Save Money	32
DIRECTORS / SENIOR MANAGEMENT - Market Conditions	34
DIRECTORS / SENIOR MANAGEMENT - From LIBOR to SOFR	36
DIRECTORS / SENIOR MANAGEMENT - Upside-Down Thinking on Efficiency	38
COMPLIANCE CONNECTION - NSF Fees	40
AG BANKING - A Look Ahead at Ag Banking	44
CLOSING NOTE - The New IBA Website	54
DEPARTMENTS:	4
Anniversary Milestones	15
Staff Celebration	25
From the Board Room	29
IBA ‘High Five’	33
Banking on Community	35
C2C Video	37
In Memory of	39
Honorable Mentions	42
Associate Members’ Corner	46
Bankers on the Move	48
Advertisers Index	53

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