2023 Vol. 107 No. 2

FEATURES:	5
VANTAGE VIEWPOINT	6
CHAIRMAN'S REPORT	7
IBA CALENDAR OF EVENTS	9
COVER STORY: IBA Mega Conference 2023	10
BEATING BACK A BAD IDEA	20
MARKETING THROUGH COMMUNITY INVOLVEMENT	22
HOOSIER BANKER SURVEY RESULTS	24
STATE DEPOSITS: July 1 – Dec. 31, 2022	39
ARTICLES:	5
ARTICLE SPOTLIGHT: Legislative Day 2023	12
FLD FOCUS: Make the Most of Your Year with FLD	16
AG BANKING: Midwest Agricultural Banking School	18
DIRECTORS / SENIOR MANAGEMENT: Revisiting the Economic Value of Equity	26
HUMAN RESOURCES: Pregnant Workers and Nursing Mothers	28
SECURITY / FRAUD: Financial Institutions and Elder Financial Abuse	32
OPERATIONS / TECHNOLOGY: Embedded Fintech or Embedded Finance?	34
CONGRESSIONAL UPDATE: Houchin Named to House Financial Services Committee	36
COMPLIANCE CONNECTION: Consumer Lending Regulations	38
INDIANA BANK & THRIFT UPDATE: Stock Analysis	40
DIRECTORS / SENIOR MANAGEMENT: Battle Ready	42
PRODUCT & SERVICES PROFILE: Merchant Services A Business Lifeline	44
Compliance	46
Plan Loans	48
CLOSING NOTE: IBA Board Review	58
DEPARTMENTS	5
In Memory	21
IBA ‘High Five’ Awards	27
Honorable Mentions	33
Taking It Easy	35
From the Board Room	41
Banking on Community	50
Associate Members' Corner	52
Bankers on the Move	54
Advertisers Index	57

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