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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