Pub. 8 2020 Issue 1

ISSUE 1 2020 2020 AG OUTLOOK AND CONFERENCE PAGE 10 LATE IN THE CYCLE, IT’S BACK TO BASICS FOR BANKS PAGE 12 BANKING SECURITY AND CULTURE PAGE 17 O F F I C I A L P U B L I C A T I O N O F T H E U T A H B A N K E R S A S S O C I A T I O N