Pub. 11 2023 Issue 4

The Bottom Line	2
Washington Update Against a Rising Tide of Regulation, Banks Must Row Together	3
“Keep It Long Enough, It Will Come Back in Fashion” Buydown Program Considerations	4
Federal Reserve Governor Bowman Visits Salt Lake City	6
The Edulogue - ROI for Learning and Development	7
Executive Development Program Class of 2023	8
The Future of Banking How AI Is Revolutionizing Operations	10
UBA Fall Compliance Conference Recap	12
Emerging Bank Leaders “Igniting Leadership” Conference Wrap-Up	13
Meeting the Credit Needs of the Community Through Special Purpose Credit Programs	14
Deposit Growth Strategies for Banks Building Lasting Customer Relationships with Treasury Managemen	16
Bank Kudos	18
Bankers on the Move	20
UBA Associate Members	21
UBA Staff	23
By Banding Together, Community Banks Can Participate in Bigger Loans	24

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