Pub. 11 2023 Issue 3

President’s Message Bank Income and Liquidity Concerns	6
Executive Director’s Message MIB: Stronger Than Ever	8
From The Top	10
Flourish	11
MIB 2023 Awards	12
Portfolio Power Barbell Structure May Be the Right Regimen	14
UnderstandingYour Bank’s 401(k) Fiduciary Liability	16
Featured Associate Member Citizens Alliance Bank	18
2023 MIB Important Dates	19
Banking Trouble With Liquidity	20
Compliance Q&A Summer 2023	22
Member News ICBA 40 Under 40	26
The FDIC Was Audited. What Does That Mean for Community Banks? Four Things To Know About the FDIC Audit	27
MIB’s 56th Annual Convention and Trade Show	30
Thank You Convention Sponsors	31
2023 MIB Membership Directory	32
MIB Associate Member Resource Guide	33
MIB Associate Member Banks	34
Bank Training Webinars	35

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