To view PDF versions of Speaker Handouts and Presentations, click the link below the session title (where available).

Conference Home | Program | Schedule | Workshops 

Sunday, June 6
Opening General Session

“Smile in the Mirror: Gain Control of your Future and Start Living the Life you have Always Dreamed Of”
Tony Ventrella, Seattle television personality

Tony will start you off with a smile Sunday morning, then take you through the rest of the week, the month, the year, your lifetime.  On the journey you’ll learn the riches you already posses, the importance of laughter and how to take control of your life and steer it anywhere you want to go.  

Monday, June 7
General Session

"The U.S. and California Economy in 2004-05: An Economic Overview"
Dr. Edmond J. Seifried, Professor of Economics and Business, Lafayette College \

• Has inflation replaced deflation as the major threat to the economy in 2004-05?
• The economy and the 2004 presidential election
• Interest rate outlook: When will the Fed pull the interest rate trigger?
• Can the stock market continue to rally? The outlook?
• The latest changes in the economic indicators.

“A Hitchhiker’s Guide To It Governance and Risk Management”
Joel Lanz, CPA  

Presentation

• Are you all “Sarbanesed out?”

• Are you finally sleeping well at night knowing that your bank’s financial controls are satisfactory and have been appropriately tested?

• Do you long for the days when you would wake up in the middle of the night - In a cold sweat - worrying about some weak internal control?

This session will remind you of the IT risks you were loosing sleep over before everyone began to focus on the integrity of financial numbers.  Recall “the magic of the little person within you” as you re-familiarize yourself with the FFIEC IT Examination Handbook on Information Security or the headache that didn’t seem to want to go away as you wondered how you would get your executive committee to talk about the business continuity issues identified in the FFIEC’s volume on BCP.   Reminisce on how Weblinking was a term used to force executive management to designate an accountable executive for the Bank’s website - something they still haven’t done.  Discuss this year’s literary smash - the FFIEC IT Examination Handbook on eBanking - with its subtle hints on IT vendor management requirements to come.

Tuesday, June 8  
Closing General Session

“From Ricky & Lucy to Beavis & Butthead . . . Managing the New Work Force”  
Robert Wendover, Center for Generational Studies

Handouts

How does a "fifty-something" manage a "twenty-something?” For that matter, how does a "twenty-something" manage a "fifty-something?”  Today's emerging workers are far different from those of the past. From Ricky & Lucy to Beavis & Butthead helps you take a realistic, yet amusing, look at how the generations relate to each other in the banking environment. Filled with practical examples this session provides you with the "nitty-gritty" of managing the new generations.

 Concurrent Sessions

 Financial Track 

“FASB’d in Seattle:  All You Need to Know About New Accounting Pronouncements and Initiatives”
Lawrence Raber, Perry-Smith LLP  

Presentation

They’ve taken away pooling accounting and consolidation of trusts issuing trust preferred securities.  Now the FASB is coming after loan participations, stock-based compensation and purchased loans.  What’s next?  Loan loss reserves?  Principles based accounting?  And don’t forget our friends at the Public Company Accounting Oversight Board and implementation of Section 404.  Larry will defend his profession while taking you on a high-speed look at what’s coming in the near term and how you can prepare to meet the challenge head on.

“Interest Rate Swaps - Need to Knows for CFOs”
B. Bryan Cartwright, Moss Adams, LLP
Steve Cibull, Federal Home Loan Bank of San Francisco

Cartwright Presentation | Cibull Presentation

Effective CFO’s proactively find ways to make their companies more competitive. Increasingly, they are turning to interest-rate-swaps to increase the flexibility of their lending team’s offerings or to establish a stable funding base from which to launch a new marketing push. Steve Cibull and Bryan Cartwright will take you through current developments and issues addressed by CFO’s active in evaluating and using interest-rate-swaps to their advantage.

“Economic Value of Equity: What It IS and What It’s NOT”
Greg Meadows, TIB - The Independent BankersBank

Presentation

More and more banks are being asked to calculate what the change in their economic value of equity (EVE for short) would be if interest rates change.  This is supposed to be a measure of a bank’s long-term interest rate risk.  However, many banks find their EVE is not consistent with their earnings at risk. How can this be?  Greg will talk about the history of EVE, how it’s calculated, and why it has nothing to do with a bank’s going-concern value.

 Technology Track

“Check 21 Update: Three Views”
Joe Fouse, Fidelity Integrated Financial Solutions (the Systems View)
Rick Hornsby, Federal Reserve Bank of San Francisco (the Regulatory View)
Brad Williamson, RSM McGladery, Inc. (the Consultant’s View)

Fouse Presentation | Hornsby Presentation

This presentation will help you prepare for what many people are calling the next generation of check processing. Check 21 will enable financial institutions to realize many benefits. Each institution will need to decide how to best take advantage of opportunities afforded by the new law and further explore the benefits of full electronic exchange. This session will explore Check 21 from the regulatory, systems and consultant’s point of view.

“10 Reasons Not to Write a Recovery Plan”
Tom Williams, Jack Henry & Associates-Centurian Division  

Presentation

During this session we will explore the top ten reasons why banks avoid the task of writing “bank-wide recovery plans”. In many cases banks do have plans, but the question is; will it truly work in a disaster? Quite often the answer is “no” or “we are not sure”. In either case, the need is there to update or rewrite the plan. During this session we will explore the reasons why the plan seldom gets written. We will provide specific direction and tools on how to overcome the barriers of writing the plan.  We will also discuss the plan development steps and the components of the plan. In addition we will explore the topics of executing, testing and maintaining the plan. This is a must session for anyone associated with developing, maintaining or executing a recovery plan. The session will cover both novice and advanced topic matter. If you have a plan, this session will help you make it more effective.  If you don’t have a plan, you need one. This session will provide you with a roadmap to get through the planning process.

“Email Archival Policies: What You Don’t Know About Your Employees’ Email Can Cost You Dearly”
Michael Pearce, OptiStor

Presentation

Email can no longer be considered a personnel productivity tool; rather it must be considered a repository of corporate data. Federal regulations mandate this change, operational considerations mandate this change, and so does the risk of discovery in any lawsuit. We've all seen the headline of the major role email has played in the Enron scandal, the Martha Stewart verdict and the firing of the University of Washington head coach. Discovery has been said to be the single largest unbudgeted expense any company faces, and we are in an increasingly litigious environment and the lawyers have clearly discovered email.

This session will identify reasons and methods for improving productivity, owning and controlling the data, mitigating discovery-risk and cost, achieving prudent retention polices, and meeting regulatory standards

 Strategy Track

"Decisions, Decisions, Decisions: When Reputation Risk Becomes a Reality"
Ronald W. Stevens, Kirkpatrick & Lockhardt, LLC

Virtually every decision a bank director or officer makes carries with it an element of reputation risk. This program will focus on defining reputation risks, how bank managers should evaluate the risk at the time a business decision is being made, and what they should do to minimize the likelihood that the risk will become a reality. And since not all decisions have a positive outcome, what can bank management do to lower the risk that they will be personally liable if their decisions cause damage to their bank's reputation?

“It’s Money in the Bank: Profit You May Not be Taking Advantage Of”
Lonnie R. Grubb, Profit Performance Group, Inc.

Presentation

Do you have the tools, systems and technologies, or the time, to identify the hidden profits in your bank's operations? Discover where opportunities may exist in your bank in the areas of cash management & float, non-interest income, non-interest expense, staffing & productivity, and product profitability.

“A Case Study in Successful Strategic Planning”
Kevin Bender, American River Holdings

Presentation

Today's world is changing at an ever-increasing fast pace.  If you're not changing too, you're in danger of being left behind and jeopardizing the long-term survival of your institution.   Strategic Planning is, by definition, planning for CHANGE. Kevin Bender from American River Holdings, parent company of American River Bank, talks about his company's recent strategic planning sessions.  As project leader, Kevin will go through how the system that his bank adopted worked both in theory and in practice, how his company's board reacted to the process and where they are today in the planning/implementation of the company strategy.

 Learn About New Products and Services 

The Vendor Showcase Presentations on Monday are excellent opportunities for you to learn more about products and services offered to community banks.  These 30-minute presentations allow firms time to explain the benefits of their products and services.  You will be able to choose from four presentations:

“Cost-Effectively Managing the New Era of Risk” - AuditOne LLC

Bud Genovese and Len Filppu

Sarbanes-Oxley ushered in an era of heightened awareness on risk management.  Regulators scrutinize a multitude of corporate governance compliance issues, and new laws have teeth especially for the CEO and CFO.  Learn how banks cost-effectively comply with the changing regulatory landscape by implementing elegant yet practical processes designed by savvy veteran bank internal audit experts.  Coverage includes comprehensive risk management programs with focus on IRR, SOX 404, and IT Vulnerability.

“Current Issues That Every CFO With A BOLI Portfolio Should Know” - BENMARKWest
Michael Corrigan

• Recent Regulatory and Accounting Changes:
• How they Impact Your Bank
• How they can impact benefit plan designs
• What are Examiners Looking For? Are you prepared?
• Is your BOLI portfolio optimally structured if (when) interest rates rise?
• Separate versus General Account BOLI: Sorting the kernels of truth from the sales hype.
• Pooling of death benefit techniques that can increase BOLI portfolio yields by as much as 50bp per year.

The majority of WIB member banks own BOLI. This is a dynamic market and a number of new vendors have recently appeared. Benmark is a leader in the industry with more WIB-member clients than any other firm. With increased interest in this investment area, bank examiners and accountants are increasing their scrutiny. This session will better prepare you to take advantage of this very useful product.

“Getting More Intelligence From Your Data” - MarketRates Insight 
Rick Barham

Information and data can feel useless if its not distributed quickly, to the right people and in useable formats. Now, there is a browser-based, stand-alone data warehousing, analytics and point-of-sale software tool that sits on top of existing internal and external data sources (e.g., accounting, customer files, CRM data) to distribute real time reports to decision makers, identify opportunities, increase productivity and alert progress against goals. Graphical screens enhance profitability and sales displaying customer portfolios, rates and competitive offerings.

“Moss Adams LLP outsourced Performance measurement (PM) Services” - Moss Adams LLP
Mike Middleton  

Presentation

Performance measurement can guide a bank to significantly enhanced performance. Through our services, we analyze the profitability of the bank’s customer relationships, products, customer groups, branches and relationship officers.  We utilize best practices in profitability measurement and deliver reports that can be used on a daily basis by relationship officers and branch managers as well as information that enables the Senior Management and the Board to make key strategic decisions.

“WIB Online Learning Center” - Sage Online Learning, Inc.
John Voorhees

Sage is a full service provider offering nationally certified Internet-based training to the financial services industry and Western Independent Bankers vendor of choice. The comprehensive library of online courses focuses on Compliance, Lending, Management, Sales and Customer Service, Product Training and General Banking. John will demonstrate the functionality and answer attendees’ questions.

“Using Zion’s ‘Net Deposit’ to Help You Find Your Way Through the Check21 Maze” - Zion’s Bank Correspondent Banking
Grant Hurst

This session will cover the following:

1. What is Check 21 and how does it affect my bank?  The Zions Bank/Net Deposit view.
2. Why should I get involved this early?
3. What is the solution that Zions Correspondent Banking can provide?
4. Why it makes economic sense to use Zions for your clearing option.

This showcase will highlight the main issues and provide all attendees with a copy of the legislation and a highlights addendum and explain how Zions Electronic Cash Letter Clearing works. This showcase will allow attendees to determine the impact with a very simple worksheet approach as to why Zions has the right solution.

 

  Peer Idea Exchange Sessions

We added sessions to this year’s conference at the request of our attendees, but we did not take away from the Peer Idea Exchange Sessions that are a most important part of all of WIB’s Conferences.  You will have three opportunities for candid discussions with other bankers from your own state and throughout the West.  These sessions are open to BANKERS ONLY.

 Continuing Education Credits 

7.75 hours of Continuing Education Units are available for the Conference. 

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