Education & Events
Annual Conference & Trade Show - Concurrent Sessions
Tuesday, June 25 - 10:45 a.m. - 11:45 a.m.
Is Your Asset/Liability Modeling System Lying to You?
Richard S. Berg, Chief Executive Officer, Performance Trust Capital Partners, LLC
In this historically low interest rate environment, most of the focus has been on rates up. Are you prepared for rates down or a prolonged low interest rate environment? If rates rise, are you prepared for a potential liquidity runoff if rates return to normal level and the economy stabilizes? Are you prepared for deposit rates tracking closer to market rates as rates rise, and this potential impact on your net interest margin? This session exposes many outdated or flawed assumptions in asset/liability modeling, the knowledge of which could be critical to the survival of your institution.
Buyer’s Market or Seller’s Market?
Allen G. Laufenberg, CFA, Managing Director, Keefe, Bruyette & Woods
It is a common belief that the industry is currently in a “Buyer’s M&A Market” but the regulators’ influence is a significant driver of M&A activity for both buyers and sellers. This session discusses potential regulatory, financial and social concerns that can be overcome in today’s bank M&A market. The presentation also provides valuable insight into the issues, ratios and key areas if senior management and boards of directors hope to be acquisitive (or sell) in the next 12 to 36 months.
What's Happening in Commercial Lending?
Michael L. Weissman, Of Counsel, Levin Ginsburg, Ltd.
New decisions affect commercial lenders occur every day. Banks must position themselves to recognize the pitfalls and maximize the opportunities in the evolving lending environment. This session examines a host of issues including whether a bank is liable for unauthorized funds transfers due to inadequate security procedures, a UCC filing can be continued while the debtor is in bankruptcy, a correction statement can revive a terminated UCC filing, a mortgage recorded before a deed to the mortgagor can be set aside in bankruptcy, a title insurer insures the market value of property or the amount shown on the policy, and internet notice of a sheriff's sale of foreclosed property satisfies constitutional due process.
Tuesday, June 25 - 1:15 p.m. - 2:15 p.m.
Executive Briefing on Current Issues and Opportunities for Banks
John Freechack, Rob Fleetwood and John Geiringer, Partners, Barack Ferrazzano Financial Institutions Group
Many institutions have begun to shift gears and focus on planning for success instead of mere survival. This session features an executive briefing on current legal and regulatory issues and trends affecting financial institutions. The focus will be on practical suggestions and best practices taken from long time experience in representing a large and diverse banking practice. From regulatory/compliance and corporate questions to strategic issues, this briefing stresses the most current opportunities and pitfalls and the strategic responses that can be employed to address what is hopefully a sustained recovery.
Building an Effective Liquidity Risk Management Program
David Wicklund, Vice President of Educational and Advisory Services, Plansmith Corporation
Gone are the days of simple point-in-time ratio analysis for liquidity management. Community banks are now expected to have dynamic cash flow models that include both expected and stressed scenarios. Recent regulatory guidance notes specific items that should be addressed in all asset/liability management policies, including expanded guidance on management oversight, measurements to be monitored, and cash-flow modeling procedures. Guidance now also dictates specific areas that should be detailed in all contingency funding plans. This session provides a road map to ensure your liquidity risk management program is both up to date and in compliance with these new heightened expectations.
Credit Risk: Critical Factors in Loan Portfolio Management
Kevin Graff, Senior Manager, Wipfli LLP
The current economic climate has created a need for financial institutions to review their current credit process. The increased scrutiny and monitoring of community banks provides for an ideal time to return to the basics and revisit the credit culture of the bank to set the stage for improved risk management and prudent loan growth. This presentation discusses the significance of credit culture as it relates to effective loan portfolio management. Several critical factors will be reviewed during this session including current findings from loan review and examination reports.
Wednesday, June 26 - 9:30 a.m. - 10:30 a.m.
Insights into the Most Common Investment Portfolio Concerns
John Smith, Managing Director & Portfolio Manager, Hancock Institutional Advisors, LLC
This session provides a framework for community banks to follow regarding common investment portfolio questions and concerns. This presentation addresses how to plan for higher rates that will likely deteriorate portfolio gains included in capital ratios, and also how to manage the portfolio through a labyrinth of new rules, regulations and capital guidelines. Recommendations will be shared on what to do with the investment portfolio now and how to recognize its evolving role within the bank. The presentation also uncovers myths about bonds with cash flow volatility and provides insight into when it may make sense to outsource the investment portfolio function.
The Top Ten Things Every Bank Should Know about UDAAP and Fair Lending
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, and Carl G. Pry, CRCM, CRP, Senior Director, Treliant Risk Advisors
Banks are under tremendous pressure to increase revenue while being under a microscope about how they service the public. There is significant legal and regulatory scrutiny that impacts the way products and services are designed, marketed and sold. UDAAP (Unfair and Deceptive and Abusive Acts or Practices) is no longer just a compliance issue; instead, a proactive program is the responsibility of every employee. This presentation examines recent Department of Justice fair lending settlements, UDAAP actions from the banking regulators, and best practices in UDAAP and fair lending compliance management.
Revenue Reengineering and Increasing Non-Interest Income
Tim Holt, President and Founder, Profit Resources, Inc.
Staying on top of non-interest income has become even more complex, with the migration to electronic transactions, changes to Reg E and the current economic conditions. As bankers adjust to these changes, we have to be more creative about how to oversee NII. This session helps executives understand the exact impact the environment is having on NII, why and how to explore nontraditional sources of NII, how to consistently evaluate traditional NII strategies, and the effects of NII on bank culture. Information shared will reinforce why, how and when revenue reengineering is vital in today's bank.
Wednesday, June 26 - 10:45 a.m. - 11:45 a.m.
Value Dynamics for Community Banks
John Adams, Director of M&A, Sheshunoff & Co. Investment Banking
Gain a better understanding of how the community bank market has changed in recent years, noting major value drivers, transaction trends and where your institution fits in the mix. The discussion covers the implications of the market share imbalance among banks, the performance gap between the nation’s largest banks and community banks, current asset quality trends throughout the country, publicly-traded bank valuations, and recent local and national merger activity and prices looking towards what is next for community banks.
Managing Your Balance Sheet in the Current Environment
Scott Hildenbrand, Managing Director, Sandler O’Neill + Partners
Effective balance sheet management in the face of low rates and an onerous regulatory environment is the key to thriving over the next three years. Today’s rate environment provides banks the opportunity to review and reposition balance sheets to improve or protect capital, maintain or improve earnings, and reduce exposure to higher rates. More than ever, there are questions on yield versus risk in the investment portfolio. Concerns about tangible book value and associated valuation also come with rising rates, and banks are asking how to mitigate against deterioration. These are among the issues that are becoming the primary focus in today’s banking industry.
Social Media Secrets Revealed: How to Attract, Capture and Convert Customers Online
Mason Duchatschek, President, Buildatribe, LLC
More and more financial institutions are discovering the benefits of adding social media to their overall business plans. Don’t be left behind! This session identifies ways for banks to build a tribe of friends, fans and followers online. Learn how to attract more ideal prospects and turn them into customers and evangelists who promote your bank to others. Strategic applications of video marketing, text messaging, email marketing and social media, when done correctly, can create additional business opportunities as well as provide better (and faster) customer service.
Wednesday, June 26 - 12:30 p.m. - 2:00 p.m.
The Regulators’ Perspective: Navigating the Supervisory Landscape
Anticipating, planning for and complying with evolving regulations and supervisory expectations require significant commitments of time, resources and perseverance from senior management and their directors. A distinguished panel of senior regulators will cover a range of the latest supervisory developments affecting the industry today, with an emphasis on emerging enforcement issues and trends, plus how they see banks reshaping themselves and restructuring their businesses to adapt to new market and regulatory realities.
Moderator: Bruce Jay Baker, Executive Vice President and General Counsel, IBA
Scott D. Clarke, Assistant Director, Division of Banking, IDFPR
Anthony Gibbs, Regional Director of the Midwest, CFPB
M. Anthony Lowe, Regional Director, FDIC
Bert A. Otto, Deputy Comptroller, Central District, OCC
Julie A. Williams, Senior Vice President, Supervision and Regulation, FRB Chicago