2023 Vol. 107 No. 6

FEATURES -	5
VANTAGE VIEWPOINT	6
CHAIRMAN'S REPORT	7
IBA CALENDAR OF EVENTS	9
COVER STORY - Preserving Benefits while Controlling Costs	10
ADVOCATING FOR ACRE	22
RIDING THE REGULATORY ROLLER COASTER	24
ARTICLES -	5
ARTICLE SPOTLIGHT - FLD Leadership Conference	14
HUMAN RESOURCES - Employee Harassment by Customers	18
HUMAN RESOURCES - What You Need Before Opening an HSA	42
HUMAN RESOURCES - Upskilling and Reskilling OnCourse Learning	52
COMPLIANCE CONNECTION - Counterfeit Checks: Who is Liable?	26
CONGRESSIONAL UPDATE - Securing our Financial Future	28
GR SUMMIT - Being A Voice for Hoosier Bankers	32
FINANCIAL MANAGEMENT - Financial Institutions, Investing Clients to Benefit from Secure 2.0 Act Provisions	36
FINANCIAL MANAGEMENT - Rolling Forecasts: Community Bankers' Key to Agility	44
FINANCIAL MANAGEMENT - Artificial Intelligence: Benefits & Challenges for Financial Institutions	50
FINANCIAL MANAGEMENT - Liquidity Risk & the Importance of Bank Contingency Funding Plans	54
DIRECTORS / SENIOR MANAGEMENT - Is Your Balance Sheet Recession-Ready?	38
PSP SHOWCASE - PSP Year-End Summary 2023	46
INDIANA BANK & THRIFT UPDATE - Stock Analysis	40
CLOSING NOTE - IBA Board Review	62
DEPARTMENTS	5
Anniversary Milestones	12
From the Board Room	20
Banking on Community	23
Banking Center News	27
Honorable Mentions	30
IBA ‘High Five’ Awards	45
Taking It Easy	49
Associate Members' Corner	55
Bankers on the Move	57
Advertisers Index	61

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