Pub. 14 2019-2020 Issue 4

PRESIDENT’S MESSAGE: Legislative Progress Made, Engagement Remains Necessary 7
washington update: Building Success in Washington 10
Education CALENDAR 12
counselor's Corner: Community Bank Leverage Ratio: Finally, Something Simple (?) 24
Tech Talk: What Does the Average Financial Institution Spend on Cybersecurity? 18
Regulation CC Updates — Action Plan and Q&As 22
Letter of Credit Scams 26
Thoughts on Investment Management: Six Points to Ponder 24
Advertiser Index 24
Data Business Equipment. 24
Money Handling Machines 29
Scantron Technology Solutions 17
BKD LLP 24
Bankers Healthcare Group 6
Bankers’ Bank of the West 11
The Baker Group 9
Bell Bank 8
Country Club Bank 19
Midwest Independent Bank 4
United Bankers’ Bank 17
Graduate School of Banking 25
Zelle HR Solutions 13
SBS Cyber Security. 2
Bridgepoint Investment Banking 30
JFC Financial Services 32
Cline Williams Wright Johnson & Oldfather LLP 20
Croker Huck Kasher DeWitt Anderson & Gonderinger LLC 29
Endacott Peetz Timmer 6
Koley Jessen 8
Kutak Rock LLP 3
Walentine O’Toole LLP 21

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