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Mo nday,
June 5
Opening
General Session - 8:00-10:15 am
“Prospects for the
American Economy”
Barry Asmus, Ph.D., National Center for Policy Analysis
Audio
Presentation Available
Are
you ready for an explosive economy with expanding opportunities? Did
you know that the conditions for a prosperous
Main Street
and a bullish Wall Street are in place? Consider this: there are
more than 60 million people currently in
America
between the ages of 40 and 55, all in the high spending and high
productive stages of their lives. Hold on to your hats. The boom has
begun. Dr. Asmus’ insights on the six dominating factors driving
the burgeoning economy will inspire and motivate your audience.
"Guidance in the Era of
Collateral”
Dr. William Rayburn, FNC, Inc.
Presentation
Markets
go in cycles - when markets are up collateral information is a
“nice to have.” In a declining market, the collateral estimate
must be very accurate since over-lending will increase losses as
values decline. While the last 10 years have been the Era of
Credit, the next 10 will be the Era of Collateral.
Concurrent
Sessions - 10:45 am-Noon
“Risks in Today’s Real
Estate Environment”
Dr.
William Rayburn, FNC, Inc.
Presentation
Over
the last several years, real estate values have risen to high levels
prompting talk of a “bubble” or at least “froth.” This
session examines historical trends, the real estate cycle and where
we are headed. Hear risk management and mitigation techniques you
can employ in today’s lending environment.
“Liquidity Management/Alternative Funding”
Robert Albertson, Sandler O’Neill & Partners, L.P.
U.S.
banks have practiced productivity and leverage to the twin
detriments of customer relationship and liquidity. Deposits have
lagged loans for decades, and traditional asset liquidity has
evaporated as a result. As rates rise, core deposits may prove not
to be core at all, but highly rate-sensitive. Banks are facing a
chronic funding problem. The industry has traditionally been
criticized for its excess capital and infrastructure. Funding shortfall is the more pressing hurdle, and banks need
to spend more on relationships, service and marketing to compete
successfully.
“Gramm-Leach-Bliley -
Are You Where You Need To Be?”
Ken Proctor, Brintech
Presentation
Regulations
are placing more and more emphasis on requiring a comprehensive risk
management program to ensure the security of customer and bank
information. Your program must identify and document threats to the
security, integrity, accessibility, and confidentiality of the
bank’s information systems. Learn how to establish appropriate
security policies and procedures to mitigate the risks of such
threats and evaluate third-party vendors.
Concurrent
Sessions - 2:15-3:30 pm
“Practical Benefits
& Use of a Bank Holding Company”
Philip Smith, Gerrish McCreary Smith, PC
Presentation | Audio
Presentation Available
For
institutions that may not have a bank holding company, this session
will briefly discuss the organization and formation process of a
bank holding company. More importantly, though, this session will
describe why a bank holding company is important in today’s
financial institution environment, and will describe the practical
ways a bank holding company can be used in directing for success.
Topics to be discussed include utilizing the bank holding company to
resolve capital issues, provide liquidity to stockholders,
facilitate acquisitions and to generally enhance stockholder value.
“Fraud Detection and Prevention in the Community
Bank”
Vira
Jo Denney, Wells Fargo Bank
Liz Bass, Bank of America
Presentation | Audio
Presentation Available
Bank
fraud including, identity theft, check fraud and new accounts fraud
continue to rise. As the
crooks get smarter we have to
make changes in how we look at fraud. Come find out what has
changed, what new trends are being found, and pick up some great
preventive tips.
“Reconstituting the A/L
Committee - It’s all about performance”
Ed Krei, The Baker Group
Asset
liability is more than just a model and rate risk. Used correctly it
can identify and focus on the key drivers of your bank’s
profitability. Attend this session and learn how to develop the
ability to measure and communicate performance contributions and how
to use market share and competitive analysis in pricing decisions.
Tuesday,
June 6
General
Session - 8:00-10:00 am
“Perspectives from the Federal Reserve”
Susan Schmidt Bies, Governor, Board of Governors of the Federal
Reserve System
Handout
Before
becoming a member of the board, Dr. Bies was executive vice
president for risk management and auditor at First Tennessee
National Corporation. She has been active in leadership positions
for various organizations, including the Emerging Issues Task Force
of the Financial Accounting Standards Board, the Committee on
Corporate Reporting of the Financial Executive Institute, and the
Bank Administration Institute.
“Liquidity - Options
for 2006 & Beyond”
Manny
Ramirez, Keefe, Bruyette & Woods
Presentation
The
banking industry has experienced a paradigm shift in deposit
gathering and retention. All
of which has had an effect on your banks liquidity. This session will identify industry specific trends and focus
on ways you can increase your core deposits and ways you can meet
you liability requirements.
Vendor
Showcase Presentations - 10:30-11:00 am
"Risk
Mitigation with Portfolio Strategist"
David Allen, Inmatrix,
Inc.
Inmatrix,
Inc. offers a dynamic, interlocking suite of credit risk management
solutions for banks seeking to analyze and monitor credit risk of
their entire portfolio, one or more sub-portfolios or individual
credits. A flagship offering, Portfolio Strategist, provides
scenario modeling to identify deteriorating credit as well as
portfolio trend analysis, benchmarking, and stress testing at the
industry, portfolio or sub-portfolio levels. The results - improved
credit quality plus enhanced revenue and profitability.
"Fraud
Detection Processes & Tools"
Emmanuel de Boucaud, Mitek
Systems
Presentation
New
detection processes and tools are allowing banks to find fraudulent
checks earlier and better. If
other banks are finding fraudulent checks drawn on your bank faster
than you are finding these checks, your fraud costs are going to
increase. Learn more about the
new keys to reviewing and updating your detection process.
"When
Disaster Strikes"
Mike Dillon, Quest
Presentation
When
disaster strikes, replication services replicate your systems and
compliance procedures in their entirety allowing you to carry on
with business as usual. You
can have your systems online within minutes - including the
ability to synchronize historical email and data. Imagine - all locations are able to communicate and conduct
business with disaster recovery that is redundant, fail-safe, and
secure.
Concurrent
Sessions - 1:45-3:00 pm
“Profiles of High
Performing Banks/Investment Portfolio”
Rich Berg,
Performance Trust Capital Partners, Inc.
Presentation
| Audio
Presentation Available
How
often have we stated that we are going to look back in retrospect on
our forward-looking risk management models for accuracy, yet how
frequently is this actually done? This talk does just that by
focusing on whether the interest rate risk modeling performed in the
past can be validated in a “forensic” hindsight basis. Berg will
demonstrate practical ways to evaluate whether the risk modeling
used in the past matched up to the current realities.
“Creating a Risk
Management Plan”
Ruth Razook, RLR Management
Presentation
A
risk management plan will consolidate your bank’s risk management
activities, eliminate duplication of efforts, ensure consistency and
satisfy your management and regulating agencies. Come hear how to
develop and implement a risk management plan within your
institution.
“Bank Secrecy Act -
The Stakes Keep Getting Higher”
Carroll Gilker, RSM McGladrey, Inc.
Hoi Luk, Director Risk Management
Presentation
Fallout
from BSA will not go away. Come listen to best practices in the
industry, ranging from customer identification policies and
procedures to new accounts, trust accounts, loans, safe deposits,
cashiers checks and wire transfers.
Wednesday,
June 7
Concurrent
Sessions - 8:00-9:00 am
“Regulatory Insights”
John Carter, Regional Director, FDIC
John
Carter, a 32-year FDIC veteran, assumed the role of regional
director of the San Francisco Region in July, 2005. He will share
with you his approach to supervising banks by the FDIC regional
office, the top regulatory hot spots you should be aware of and what
trends he is seeing in the Western region. Carter’s session will
allow you to have an open discussion with the top regulator in the
West for most state-chartered banks. His personable and open style
in approaching his audience will make this an educational yet lively
session.
“Competing in Today’s
Market”
Thomas J. Parliment, Ph.D., Parliment Consulting Services, Inc.
Presentation | Audio
Presentation Available
Your
competition is non-regulated, non-depository institutions that are
coming after your highest quality customers. Banking products and
services are commodities competing on price, just like the majority
of consumer products and services in our retail economy. In order to
retain these customers, you need to differentiate your products and
services through retail options that have perceived value while
pricing your products at the margin. You must understand the competitive environment you face and keep community banking relevant.
“A Hacker’s View of
Community Bank IT Systems: Lessons Learned”
Erik Petersen, SecureWorks
Presentation
Penetration
tests have been developed and honed based on hundreds of tests and
thousands of actual attacks. Learn about the most common
vulnerabilities revealed and learn the differences between a
vulnerability assessment and a penetration test, as well as what
hackers do with the information they steal.
Wrap
Up General Session - 10:45 am-Noon
“Disaster Planning Panel”
Peter Gwaltney, Louisiana Bankers Association
Patrick Johnson, Compushare
M.
Anthony Lowe, FDIC
Moderator: Anne K. Scully, WIB Service Corporation
Gwaltney
Presentation
| Johnson
Presentation
| Lowe
Presentation
This session is a
must for anyone involved in disaster planning. If the time comes to
implement your plan, will it work? Are you truly prepared? Our panel
of experts will discuss their experiences when responding to Katrina
and other natural disasters. You will leave with a real-world of
account of what worked and what didn’t work.
2006
Advisory Committee
L.
Bruce Mills, Jr., Community National Bank, CA, Chair
Gene Ahlstrom, Bank of American Fork, UT
Lee-Ann Cimino, Sutter
Community Bank, In Org., CA
Vira Jo Denney, Wells
Fargo Bank-LA Metro Region, CA
Cassandra Eisinger, Community Bank of Nevada, NV
Darlene Esquerra, Wells Fargo Correspondent Banking Group, CA
Toni Flannagan, Seacoast
Commerce Bank, CA
Norm Judd, Sterling
Savings Bank, WA
Thomas McCullough, First Regional Bank, CA
Donald Soman, Santa
Cruz County Bank, CA
Douglas G. Stanger, Barnes
Banking Company, UT
William Swadley, Bank of American Fork, UT
Craig S. Swenson, Mission
Bank, CA
Louise Walker, First
Northern Bank, CA
Michael Winiarski, Hanmi
Bank, CA
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