2021 Vol. 105 No. 6

In This Issue	5
Vantage Viewpoint	6
Chairman's Report	7
Notable Quotes	7
Congratualtions 2021 Graduates from IBA-Member Banks	8
Calendar of Events	9
Michelle W. Bowman: Serving the Federal Reserve System	10
Join IBA Committe	14
Sparks Flew at Mega Ignite! Recap of 2021 Mega Conference	16
Paul Freeman: Lasting legacy to Indiana Banking	20
2021 FLD Leadership Conference	22
Banking Center News	25
‘Jugging’ Incidents New threat on the rise	26
Stock Analysis Review as of Sept. 30, 2021	28
Indiana Statistics	28
Midwest Ag Banking School	29
New Mortgage Modification Options What will they mean for buyouts?	30
In Memory of	31
FMLA Fraud and Abuse ’Tis the season	32
PSP Year-EndSummary 2021: Starting point for your service provider needs	34
Anniversary Milestones	38
Elder Abuse: Provisions of the Senior Consumer Protection Act	40
Honorable Mentions	41
Agricultural Data and Technology	42
Associate Members Corner	43
Teare Joins IBA GR Team	43
Developing our Strongest Assets Recruit and retain the best and brightest	44
Banking On Inclusion Embracing the Bank On Movement	46
Taking It Easy	47
Surging Deposits Tepid Loan Activity Banks navigating since COVID-19 onset	48
Bankers On The Move	51
Advertiser Index	57
Retirement Reflections Paul W. Freeman: 34 years at the IBA	58

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