2003 Annual Conference
	Directors Program

• We have designed a special track for outside directors
• Three sessions with speakers focusing on these topics:

• Risk Management
• ALCO
• Lending

• Three Directors ONLY Sharing Sessions

These sessions allow for round table discussions with peers on subjects of importance to directors. They are a great place to connect with other directors, network, and see how other banks and directors approach issues, problems and policies.

• Chairmen ONLY Sharing Session

This Sunday afternoon session is designed to allow the Chairmen of community banks to share issues and solutions unique to their positions.

Special Directors Sessions

Monday, March 24 • 1:30 - 2:30 pm
Directors & ALM
Thomas F. O’Neill - Partner, Sandler O’Neill & Partners

Few topics elicit more passion and confusion than does interest rate risk. Also referred to as ALM, or Asset-Liability Management, rate risk is rampant with jargon, convoluted concepts, misconceptions and technicalities that obscure rather than clarify the bank’s exposure. More than just a regulatory requirement, it is an important part of the director’s responsibilities to know and understand the bank’s risk exposure in order to protect the shareholders’ interests.

The objective of this presentation is to cut through the jargon, expose the misconceptions and present interest rate risk so that it is clearly understood and easily monitored by the board.

Tuesday, March 25 • 9:45 - 10:45 am
The Role of the Board in Lending
Dr. Douglas V. Austin, chairman & CEO, Austin Financial Services, Inc.

Does your board have the expertise necessary to act as check and balance to the loan officers? How can you safeguard underwriting quality by combing your staff’s professionalism and the directors’ supervisory role?  Dr. Austin, a nationally-known banking consultant and author of 17 books and over 750 articles, will help you make sure that officers and directors are operating in a teamwork fashion, while not dunking directors in over their heads.

Tuesday, March 25 • 2:00 - 3:00 pm
Directors & Risk Management
Forest E. Myers - Economist, Federal Reserve Bank of Kansas City

Identifying credit, market and operational risk is important to a bank’s success. This session provides directors with basic tools to judge the effectiveness of operational risk management practices at their banks and to be good questioners in order to help identify poor management practices. The discussion will define operational risks, list some red flag of poor risk management practices, outline elements of a good risk management system, and set out matters that examiners look for in their review of a bank’s risk management. Real life bank examples of mishaps, missteps, and miscues are used to emphasize points made during the discussion. Included with the presentation is a brief exercise that lets directors take a beginning step in evaluating the effectiveness of operational risk management at their banks.

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