Pub. 4 2024 Issue 4

INSIDE THIS ISSUE PO Box 1765 Jefferson City, MO 65102 (573) 636-2751 | miba.net Editor: Matthew S. Ruge Executive Director ©2024 The Missouri Independent Bankers Association | The newsLINK Group LLC. All rights reserved. The Show-Me Banker Magazine is published six times a year by The newsLINK Group LLC for The Missouri Independent Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of The Missouri Independent Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Show-Me Banker Magazine is a collective work, and as such, some articles are submitted by authors who are independent of The Missouri Independent Bankers Association. While The Missouri Independent Bankers Association encourages a first-print policy; in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Published for the Missouri Independent Bankers Association 4. PRESIDENT’S MESSAGE Effective Community Bank Management 6. FLOURISH Connected as Independent Community Banks 7. FROM THE TOP Showing Pride in Independence 8. A VIEW FROM THE CAPITOL Corn, Wheat and Now Your Retirement Plan 10. MEET YOUR MISSOURI BANKER Andrea Hayes VP, Branch Manager, Farmers & Merchants Bank 12. LEGAL EAGLE SPOTLIGHT Intercreditor and Subordination Agreements Key Elements Bankers Should Consider 14. 47th Annual Convention & Expo 15. MIBA Lobbying Report 15. 15th Annual Security Conference 16 12 22 26 16. INNOVATION STATION Setting the Stage for Banking the Next Generation 18. LEADERSHIP AT ALL LEVELS Make Space for Creativity 21. Thank You to Our Early Convention Sponsors 22. A BACKGROUND ON Brad Doran of farmbank 24. 2024 MIBA Financial Directories Are Available! 25. 47th Annual Golf Tournament 26. The Meek … Inherit a Prominent Place in Bond Portfolios 28. 34th Annual Scholarship Auction 28. MIBA Upcoming Events 29. 2024 MIBA PAC Honor Roll 30. News From You 31. MIBA Endorsed Vendors 31. In Memory Verimore Bank Announces the Passing of Chairman Emeritus Robert Devoy 32. MIBA Associate Members 34. Upcoming Webinar Schedule The Show-Me Banker Magazine | 3

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