Pub. 20 2023 Issue 1

President's Message: Our Banking System is Sound and Resilent	6
Executive Vice President’s Message: 2023 Legislative Wrap Up	7
Washington Update: Meeting in the Middle(Ware)	10
Rising Interest Rates May Shut Some Community Banks Out of FHLB Funding	12
H. Rodgin Cohen Weighs in on Digital Assets, M&A, and "Too Big to Manage"	14
Keep It Long Enough, It Will Come Back In Fashion: Buydown Program Sonsiderations	18
The East Palastine Derailment: A Story of Government Corruption and Inaction	22
Bank News - Deeply Grateful: It Has Been An Honor To Serve	24

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