|
Conference
Sessions
Sunday,
March 19
Pre-Conference
Workshop - 8:30-11:30 am
Optional - Separate $70 fee applies
Funding!
Karl Nelson, Promontory Interfinancial Network
Handout
This program is
designed to familiarize you with funding techniques available to
community banks and thrifts. With non-core liabilities now
representing 20% of the industry’s funding, understanding what
these choices are and how they are used is an essential ingredient
for better understanding how balance sheets in our industry are
changing and how the industry is using these funding techniques to
enhance earnings. This program describes ten different techniques
now being used to provide the fuel necessary to fund your loan and
investment portfolios. This review describes each funding
alternative then describes how each is used to improve a bank’s
performance. Advantages and disadvantages of each technique are
also reviewed so that participants have a basic understanding of
each funding option.
Opening General Session - 2:00-3:30 pm
Lynn
Brewer, Ethics Expert and Author, House of Cards: Confession of an
Enron Executive
As
the whistleblower at Enron, Brewer has a gripping account to share
with anyone in the
business world. Her nearly three years spent with the organization
that has come to symbolize the worst in corporate greed, provides
a riveting tale that takes you deep into the heart of Enron. You
will get a shocking firsthand look at both the notorious illicit
deals, and the unscrupulous people who made them. Since leaving
Enron, Brewer has become an internationally renowned speaker on
the issue of corporate integrity. She is the founder and president
of The Integrity Institute, Inc., which independently assesses and
certifies corporate integrity at the request of organizations for
the benefit of their stakeholders.
Monday,
March 20
General Session - 7:45-9:30 am
Prospects
for the American Economy
Barry Asmus, Ph.D.
, National
Center
for Policy Analysis
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
over 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. Barry’s insights on the six dominating factors
driving the burgeoning economy will inspire and motivate your
audience.
High
Performance Banking Through Enterprise Risk Management
S.
Scott MacDonald, Ph.D., Southwestern Graduate School of Banking
Handout
Enterprise
risk management is the process by which managers identify, assess,
monitor and control risks associated with an institution’s
activities. In this short presentation, eight types of risk -
earnings, capital, credit, liquidity, market, operational,
reputational and legal - are briefly outlined and discussed with
an emphasis on today’s hot risk management topics. Each of these
various risks is fundamental to the likelihood that current
events, or potential events, will negatively affect an
institution’s profitability and the market value of its assets,
liabilities and stockholders’ equity.
Vendor Showcase Presentations -
10:00-10:25 am
These individual vendor presentations are an excellent opportunity
for you to learn more about products and services offered by service
providers to community banks. These presentations allow firms to
explain the benefits of their products and services. You will be
able to choose from the following presentations.
Commercial
Lending Enhancement Solutions
David Allen, Inmatrix
Inmatrix
develops powerful credit and financial diagnostic tools for banks
to assist with credit assessment, management and monitoring of
individual borrowers
or portfolios. The Inmatrix tools enable stress testing of
business plans, key financial drivers and credit scenarios. The
unique interactive dashboard approach offered by the Optimist and
Portfolio Strategist software solutions are designed to enhance
financial communications between banker and client and assist in
positioning the banker as a trusted financial advisor.
Remote
Capture
Lew Caliento, Financialware, Inc.
Presentation
Financialware
is an innovator in check, statement, document, report management
and image exchange software for financial institutions. This
fast-paced session will cover the basics of remote capture with an
focus on branch and merchant capture programs available in the
marketplace today.
Outsourcing
Your Mortgage Program to Retain and Build Customer
Relationships
Evan Gentry, MoneyLine Lending Services
Presentation
This
session will help you determine whether outsourcing the mortgage
loan will be valuable for your bank. You will learn specific
characteristics to look for when selecting an outsource provider,
such as selecting a partner that is prepared to assist with
ongoing efforts to attract and retain customers by extending
services beyond the management of the mortgage approval process. A
bank user of MoneyLine services will share with you the advantages
its customers have experienced, such as fast turnaround times,
convenient options and competitive products. You also will learn
about fee income and other benefits the bank has experienced.
Concurrent Sessions - 1:30-2:30 pm
Strategies
and Tactics to Improve Deposit Growth
Margaret
Kane, Kane Bank Services
Rick Smith, Tri Counties Bank
Handout
Deposit
generation remains a key driver of overall banking profitability,
but many community banks fail to deploy tactics specifically
geared to growing deposit market share. Gone are the days when
customers flocked to community banks only on the basis of their
stellar service and local reputation. These days, community
bankers need to have proactive tactics to increase their deposits.
This session will focus on numerous ways that banks can bring
deposits into their institution, including new performance
metrics, front-line compensation plans, outside business calling
efforts, product packaging and innovative product solutions.
Rick
will share the experiences at his bank using some of these
deposit growth tactics.
Emerging
Banking Technologies
Steve Williams, Cornerstone Advisors
Presentation
What
technology trends will change banking as we know it today? Williams
will highlight the top 10 emerging technologies for community banks
that will impact your bank and your customers in the next five years,
including web services, fraud and security technologies,
enterprise-wide imaging systems and electronic payments, plus an
update on Check 21. Which technologies should you look for your
business model and why? Williams will outline what best practice
community banks are doing and which vendors are gaining traction.
Plus, you'll hear about some best practices to consider as you
evaluate these sexy - but often costly - bells and whistles.
Directors
Session: Succession Planning
John Oliver, Laurel Management Systems, Inc.
Handout
This
session will explore the compelling need for effective succession
planning to ensure the ongoing viability of the bank and how to
design an effective succession planning process, plus the
appropriate level of board involvement in succession planning.
Tuesday,
March 21
Hot Forum Sessions - 7:30-8:15 am
HSAs
- A New Cash Cow for Bank Deposits?
Cora
M. Tellez,
Sterling
HSA
Handout
In
a few years, health savings accounts (HSAs) will be a fundamental
banking product according to some industry watchers. Many banks
are just awakening to the potential of these accounts to build
significant deposit bases and be a powerful relationship builder
with both corporate and retail customers. With a market predicted
to surpass that of 401(k)s, learn why and how some community bank
are joining in on this new product.
The
Executive’s Responsibility Toward Business Continuity and
Disaster Recovery
Tom Williams, Jack Henry & Associates, Centurion Division
Handout
The
disaster strikes and four hours into it, as the senior executive,
you realize that your disaster plan is ill-equipped to get you
through the disaster in a timely, organized and controlled
fashion. Your employees tell you right away that they do not know
what is required to recover operations and deal efficiently with
the customers. So often this is the case with banks when a
disaster strikes. This session will provide you with a road map of
what is required to build an effective plan or improve the plan
that you currently have. You’ll hear lessons learned by
financial institutions that were impacted by Hurricane Katrina.
Stepping
Into Bigger Shoes - How to Prepare Senior Managers for the
Executive Role
Colleen Cannon Boyd, Internal Navigation Consulting
Handout
The
executive role requires a unique skill set; and a top performer is
not automatically prepared for these bigger shoes. As the CEO, you
must prepare your senior managers to be successful as they take on
more responsibility. In this session you will be given the tools to
assess your senior managers for executive readiness in five key
areas. You will learn concrete steps to help develop your top
performers for their next assignment. You will feel confident of the
decisions you make regarding advancement and your entire executive
team will benefit.
Concurrent
Sessions - 9:45-10:45 am
Loan
Pricing for Profitable Growth - Don’t Let Your Competition
Price Your Loans!
Mitchell Epstein, US Banking Alliance
Handout
This
session focuses on a practical approach for loan pricing in highly
competitive markets and on creating a variety of loan pricing
alternatives that work for both the borrower and the bank. A
specific focus on the three keys to profitable loan growth: good
pricing strategies, effective use of loan pricing models and
implementing a stronger financial management process will be
presented. Most banks believe they have good strategies; however,
this session will challenge your thought process regarding your
current pricing strategies. You will also receive a self-audit of
your loan pricing process and ways to ensure that, “Your
competition doesn’t price your loans!”
Designing
an Optimal Capital Structure
Thomas W. Killian, Sandler O’Neill & Partners L.P.
Handout
A
number of developments in the past few years have dramatically
changed the framework for evaluating capital structure
alternatives. The new framework addresses four central questions
surrounding optimal capital structure: What form of capital should
be issued? What is the optimal amount? How should it be issued?
And, how can non-Basel II banks use capital structure to level the
competitive field with Basel II adopters?
Directors
Workshop: Does Your Board Know Your True Value Proposition?
S. Scott MacDonald, Ph.D., Assemblies for Bank Directors
Handout |NEW! Listen
to the Presentation
In
today’s highly competitive marketplace, many directors continue
to struggle with the notion that their customers are only
interested in price - the lowest price wins. In this session, we
examine what your bank’s true value proposition is to your
customers. Is price all that really matters today? Have our
banking practices actually encourage our customers to only look at
price? How do we fix it? Do you promise real value? Do your
customers know what your value proposition is? Do they want it?
All of these issues are critical to the future success of your
institution.
Lunch
with Guests and Keynote Speaker - Noon-1:45 pm
Running
With Scissors: Why
Smart People Do Dumb Things (and How to Avoid Them)
Larry Helms, Trainergy
Mental
intelligence is not a vaccine against doing dumb things. Look at
any newspaper and
you will find example after example of really smart people who
shoot themselves in the foot - Martha Stewart, Kenneth Lay and
Dennis Kozlowski to name a few. This seminar explores the concept
of “unforced errors” or self-sabotaging mistakes people make
that are not only avoidable...but dumb! Attendees will discover
eight ways to recognize and eliminate unforced errors in their
lives.
Concurrent Sessions - 2:00-3:00 pm
Best
Practices in Community Bank Management Development
John Oliver, Laurel Management Systems, Inc.
Handout
Research
shows that more senior executives will retire from community banks
over the next 10 years than in any previous decade. Have we done
enough to prepare the next tiers of management employees to take
over the reins? This session will highlight management development
needs, including succession planning, enterprise risk management
skills, the management of change in a changing industry, strategic
planning and thinking skills, customer focus vs. product focus,
changing management styles for improved profitability and the
three components of effective management development.
Everything
You Ever Wanted to Know About Your Stock Price But Were Afraid To
Ask Alberto
De Almeida, Keefe, Bruyette & Woods
Dave Bonaccorso, Hoefer & Arnett
Michael Natzic, The Seidler Company
Handout
Where
should your stock be trading as a multiple of trailing 12-months’ earnings per shared? When is the right time to split
your stock? Do you need to be paying a stock or cash dividend? How
important is book value as a way of evaluating the value of your
bank? What are the key items you need to watch to make sure the
franchise value of your stock or institution is strong? And
finally, how do you stay ahead of your peers?
Registrants
& Guests: The Occupational Hazards of Executive Life
Colleen Cannon Boyd, Internal Navigation Consulting
Handout
When
we think of roles with occupational hazards, we think of jet
pilots and emergency room physicians, not banking executives! Yet
we all know that executive life is not for lightweights. The
intense levels of personal responsibility, long hours and
intellectual demands make the executive role one of the toughest
jobs around. In this workshop, you will learn to identify the
challenges in the executive role, and how you can mitigate the
impact in your work life and personal life.
Wednesday,
March 22
Concurrent Sessions - 8:00-9:15 am
Defining
a High-Performing Bank
Manny Ramirez, Keefe, Bruyette & Woods, Inc.
With
industry profitability holding near-record high levels and many
Western banks achieving strong growth, it is difficult to separate
the standout performers from merely ordinary performers. However, in
a cyclical industry such as banking, undoubtedly fortunes will
diverge over time. Based on public market experience, we will
highlight the attributes, both quantitative and qualitative, that we
use to identify truly outstanding companies with a sustainable edge.
Regulatory
Insights
John Carter, FDIC
Presentation
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.
Compensation
Options, Grants & Other Incentives - A Practical View Point
Pat Rusnak, Western Sierra Bancorp
Charles J. Thayer, Chartwell Capital
Handout
Changes
in compensation legislation and accounting regulations are adding
a new level of complexity for compensation committees.
Presentations on plan design and option/grant accounting
frequently focus on technical details and are often too
complicated for non-CPAs. These two insiders will deliver a
presentation on compensation design from a practical viewpoint.
They will address how incentive plans can be structured to reward
performance and redesigned to minimize the impact of the new
accounting requirements.
Wrap-up General Session - 9:30-10:45 am
New
Frontiers that Change Everything
Dr. Lowell Catlett, New Mexico State University
Economics,
demographics, and technology are all converging such that the next
10 years will be unlike any in human history. Five trends are
changing society and providing more opportunities than ever before.
Life will never be the same. For those willing to rise to the
challenge of the Five Trends, the rewards will be boundless.
DIRECTORS PROGRAM
We
have a special track for outside directors:
-
Directors
ONLY Sharing Sessions
These sessions allow for round table discussions with other
directors on subjects of importance. Not only is this a great networking opportunity but it
is a way to hear how banks and bank directors approach issues,
problems and policies.
-
Chairmen
ONLY Sharing Sessions
These sessions are designed to allow Chairman of the
Boards of community banks to share issues and solutions unique
to their positions.
-
Directors
Sessions with Speakers
BANKERS
ONLY PEER EXCHANGE SESSIONS
Bankers
will have three group sessions to discuss issues with other
bankers. Our Peer Exchange format is the primary reason that many
community bankers in the West attend this Annual Conference.
Bankers will be assigned to specific groups for discussions.
DESIGN
YOUR OWN PEER SESSION
Bankers
and directors will have the option of attending an additional peer
session on the topic of their choice.
|
Click on the links below the session names to view and print speaker
presentations and handouts (where available).