INDIANA BANK & THRIFT UPDATE 40 Stock Analysis Michael A. Renninger, Renninger & Associates LLC DIRECTORS / SENIOR MANAGEMENT 42 Battle Ready Achim Griesel & Sean Payant, Haberfeld PRODUCT & SERVICES PROFILE 44 Merchant Services: A Business Lifeline Rod Lasley, IBA 46 Compliance Rod Lasley, IBA CLOSING NOTE 58 IBA Board Review Matthew W. Howrey, North Salem State Bank DEPARTMENTS 21 In Memory 27 IBA ‘High Five’ Awards 33 Honorable Mentions 35 Taking It Easy 41 From the Board Room 50 Banking on Community 52 Associate Members' Corner 54 Bankers on the Move 57 Advertisers Index FEATURES 06 VANTAGE VIEWPOINT Amber R. Van Til, IBA 07 CHAIRMAN'S REPORT Jamie R. Shinabarger, Springs Valley Bank & Trust Company, Jasper 09 IBA CALENDAR OF EVENTS COVER STORY 10 IBA Mega Conference 2023 20 BEATING BACK A BAD IDEA Robert S. Nichols, ABA 22 MARKETING THROUGH COMMUNITY INVOLVEMENT Rebeca Romero Rainey, ICBA 24 HOOSIER BANKER SURVEY RESULTS Evan Hoffmeyer, IBA 39 STATE DEPOSITS July 1 – Dec. 31, 2022 ARTICLES ARTICLE SPOTLIGHT 12 Legislative Day 2023 Dax Denton and Ross Teare, IBA FLD FOCUS 16 Make the Most of Your Year with FLD Josh Myers, IBA AG BANKING 18 Midwest Agricultural Banking School Brady Brewer, Purdue University DIRECTORS / SENIOR MANAGEMENT 26 Revisiting the Economic Value of Equity Jeffrey F. Caughron, The Baker Group HUMAN RESOURCES 28 Pregnant Workers and Nursing Mothers Debra A. Mastrian, Amundsen Davis LLC 48 Plan Loans Jeff Aga, Ascensus SECURITY / FRAUD 32 Financial Institutions and Elder Financial Abuse OPERATIONS / TECHNOLOGY 34 Embedded Fintech or Embedded Finance? Virginia Heyburn, Engage fi CONGRESSIONAL UPDATE 36 Houchin Named to House Financial Services Committee COMPLIANCE CONNECTION 38 Consumer Lending Regulations Brett J. Ashton, Krieg DeVault LLP 24 47 INTERACT WITH US The results are in...
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