Conferences & Education
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2010 Annual Conference for Bank Presidents,
Solutions for a Changing EnvironmentMarch
27-31,
2010
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2010 Conference Home | Schedule
| Program | Guest
Program
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Program Information
Click here to view Speaker Biographies
Click on the links below to view and print handouts
Pre-Conference Workshop
Saturday, March 27, 2:00-5:00 pm
Managing Your Portfolio’s Credit
Risk
John Barrickman, Principal, New Horizons Financial Group
Recent events have demonstrated the importance of a comprehensive credit risk management process. Failing to properly manage portfolio credit risk can adversely impact earnings and capital. This session will focus on five aspects of effective portfolio credit risk management: tolerance for risk, three deadly sins of portfolio credit risk management, tools to effectively manage portfolio credit risk, identifying potential problem borrowers, industries and property types and assessing the adequacy of the allowance for loan and lease losses. We conclude the workshop with a discussion of portfolio credit risk management lessons learned in the past 24 months.
Opening General Session
Sunday, March 28, 2:00-4:00 pm
What’s Next for the Economy,
Banks and the Financial Markets?
Dr. Christopher Thornberg, Founding Principal, BeaconEconomic
Dr. Edmund J. Seifried, Professor of Economics & Business, Lafayette College
Timothy W. Long, Senior Deputy Comptroller Bank Supervision Policy and Chief
National Bank Examiner, OCC
Moderator: David A. Enger, Executive Director & CEO, Pacific Coast Banking
School
By the time of the conference, we expect a better understanding of what’s next for the economy, the banking industry and the financial markets. Undoubtedly, you have questions about the impact upon banks in this ever-changing economic conundrum. Our panel of experts will share their thoughts and insights on the state of the economy and the financial institution regulatory environment and provide recommendations about strategies that may help your bank emerge stronger. Our energetic and spirited presenters promise to deliver useful, thought-provoking messages.
General Session
Sunday, March 28, 4:15-5:30 pm
Dialogue with the Regulators
Timothy W. Long, Senior Deputy Comptroller Bank Supervision Policy
and Chief National Bank Examiner, OCC
Steve Hoffman, SVP, Banking Supervision, Federal Reserve Bank of San Francisco
George Parkerson, Assistant Regional Director, FDIC
Moderator: Philip K. Smith, President, Gerrish McCreary Smith, PC
This moderated panel of senior bank regulators will discuss current hot topics, address issues of concern to them as well as provide insight on any new regulations or guidance coming down the pike.
Wrap-Up General Sessions
Wednesday, March 31, 9:30-11:45 am
The New Regulatory Order – The
Impact on the Future of Community Banking
The Honorable Elizabeth A. Duke, Governor, Federal Reserve
System
Washington is buzzing with activity. As Washington’s agenda changes almost daily, it’s too early to pin point what will be the hottest issues come March, but we know it’s a new world coming. Governor Duke provides a particularly good vantage point to assist you in understanding how actions in DC will impact your bank and the community banking environment. She has been a community banker and was Chairman of the American Bankers Association before she became a Fed Governor.
Business as Usual is Business Lost
– New Models for Successful Banks
Robert McGoffin, Senior Consultant, askourbanker.com
Don’t wait for things to get back to normal – they won’t. This is a new frontier, and to succeed, you need to be prepared. This session will spark action strategies that can be taken back to the bank for immediate implementation to improve your earnings and manage your expenses. Our speaker provides answers relating to best practices regarding profitability, performance and productivity.
Learning Sessions
Monday, March 29, 8:00-9:00 am
Developing Loyal Small Business
Customers
Martie Woods, Chief Experience Officer, Deluxe Corporation
Small business customers mean big business to your bottom line. And yet, research says many small business customers aren’t happy or loyal to their financial institution. Even more, small business owners feel ignored, they don’t think their banker understands them and they don’t look to financial institutions for advice. Can you change that? Absolutely! This session will uncover what the current banking experience is like for today’s small business owners and will help you identity the service gaps, what small business owners really want from their bank, the seven key needs of small business owners and how you can incorporate them into an effective strategy and, ways to create loyal small business customers who DO look to you for advice.
Directors Session
Recalibrating Strategic Planning Goals
Dr. Edmund J. Seifried, Professor of Economics & Business,
Lafayette College
In this session, Dr. Seifried explores the emerging theory that the US economy has been forever altered by the housing and resulting financial crisis and the Great Recession of 2009. This new economy one where consumers decrease the volume and frequency of their spending patterns will have an impact on all business models and their ability to grow. See how the new consumer may impact you bank and what steps you will need to take to recalibrate your strategic planning and growth goals.
Emerging Technologies for
Community Banks
Michael D. Cohn, Director, WolfPAC Solutions Group, WolfPAC
Integrated Risk Management
In the world of banking, opportunities made available by emerging technologies continue to level the playing field for community banks. These technologies provide the opportunity for your bank to compete and win against the big banks. In this session, you will receive an overview of some of the newest technologies, how to choose the right technologies for your institution and how you can implement and utilize them to provide you with a competitive advantage.
Product Showcase Presentations in Expo
Monday, March 29, 9:10-10:20 am
Demand Deposit Marketplace
Peter Grabell, VP, Western Regional Manager, Intrasweep
The patented technology behind Demand Deposit Marketplace SM (DDM) enables a marketplace of participating banks to maximize customers’ FDIC protection while maintaining 100% liquidity, acquire balance sheet deposits, and send deposits off their balance sheets. Regardless of how the deposit environment is affecting a bank, DDM has a solution to address its balance sheet needs.
A Bank President’s Guide to
Online Account Opening and Funding
Dinesh Sheth, CEO, uMonitor, Parsam Technologies
As Bank President’s are challenged to do more with less, uMonitor can help with a wide range of Web-based solutions specifically designed to help banks improve efficiencies and provide the most up-to-date online banking services. uMonitor’s uOpen & uFund, automated account opening and funding solution, helps banks generate new revenues and improve regulatory compliance and employee productivity, while delighting customers.
Improving Your Portfolio Credit
Risk Management
Kimberly Songer, Director of Risk Solutions, Harland Financial
Solutions
Does your loan portfolio reporting measure up? Do you have the data you need to effectively monitor and manage your portfolio? Are you stress testing your portfolio? Join us for a preview of our CreditQuest Portfolio Manager. Learn how a single solution can provide standardized segmentation, concentration, and stress testing reports.
Security Management Services to
Enhance Your Risk Mitigation Strategies
Don Sumner, Regional Director of Sales, SecureWorks
GLBA/FFIEC requirements state that financial institutions should gain assurance of the adequacy of their risk mitigation strategy and implementation by monitoring network and host activity to identify policy violations, anomalous behavior, unauthorized configuration and other conditions which increase the risk of intrusion or other security events. SecureWorks Security Monitoring, SIM On-Demand Service, and Security Management Services (IPS/IDS, Firewall and Host IPS) assist in protection and compliance by monitoring network and host activity to identify and provide first line response to security incidents. We also provide unlimited remote incident response support from our certified security professionals within the SecureWorks Portal, incidents are fully documented from identification to closure for tracking and audit purposes.
Learning Sessions
Monday, March 29, 10:30-11:30 am
Those Numbers are Pretty, but
These Numbers Here Are What Really Matters
Dr. Timothy W. Koch, President, Graduate School of Banking at
Colorado
Bank analysis has changed dramatically in recent years. Focusing on bottom-line earnings and traditional profitability and risk ratios is now viewed as imperfect and misleading. This presentation focuses on performance ratios and analysis that address the components of pre-provision, pre-tax ROA, true core deposit, brokered deposit and related liquidity ratios, pre-mark and post-mark asset quality ratios, and tangible capital measures among others. It will emphasize performance analytics of community banks versus larger, transactions-focused institutions and the link to an institution’s strategic objectives.
Directors Session
Strategic Alignment between the Board & Executive Management
John Oakes, President, Strategies for Bottom-Line Thinkers
This session focuses on how to recalibrate your strategic partnership in a way that enhances the cohesiveness of the board and the executive management team. Presented by a former Crocker Banker and independent banker, he will help you understand how to improve the components of alignment relationships which will improve your bank’s bottom-line performance and stability. Included in this discussion is how do you know if you are in alignment, how do you maintain it and how to address issues if you determine you are not where you need to be.
The New Look of SBA Lending
David Bartram, EVP, SBA Division Manager, Seacoast Commerce Bank,
& Immediate Past Chair, National Assn of Government Guaranteed Lenders
Anthony R. Wilkinson, President & CEO, National Assn of Government
Guaranteed Lenders
With the recent changes in the SBA loan programs, have you looked to see if doing SBA loans are a viable option for your bank? Or if you are already doing SBA lending, are you’re getting the most value out of your program? Our speakers will walk you through the ins and outs of the new look of SBA and provide insights on making the most of an SBA program.
Learning Sessions
Monday, March 29, 2:00-3:30 pm
Nowhere to Go But Up: Managing
Interest Rate Risk in a Low-Rate Environment
Will Taylor, SVP, SVP, Portfolio Management Group, Vining
The FDIC released its winter “Supervisory Insights,” which are often an excellent source for discerning regulatory focus. This publication states that with today’s interest rates, it is critical that banks maintain a “strong and effective” IRR management program and outlines changes to existing practices and establishes new best practices for the measurement and management of interest rate risk. This session will discuss best practices for IRR Management, including what you need to know about your banks’ interest rate risk profile. Additionally we will look at the impact of sudden rate shocks upon your Bank. Included will be a discussion of market indicators that will predict a rising rate environment. All attendees will receive an IRR analysis of their bank.
What You Need to Know About
Purchasing Failed Institutions
Barry Taff, Partner, Silver, Freedman & Taff, LLP
Jeanne McBride, Regional Manager, Division of Resolutions and Receiverships,
FDIC
While bank failures are never a good thing they have provided the opportunity for other banks to increase their balance sheet with assets from these failed institutions. Our speakers will provide an overview of the process and what you need to know about the bidding process, and how to make an informed bid to leverage the FDIC’s Loss Sharing Agreements to your best advantage.
Directors Session
Liquidity – An Evolving Banking Concept
Karl Nelson, President & CEO, KPN Consulting
Handout 1 | Handout 2 | Handout 3
Prior to this banking crisis, regulators were content with ratio analysis as the key method for measuring liquidity risk. With the recent guidance from federal regulators, we have moved toward a more dynamic measurement technique. There is more diligence by regulators on funding techniques outside the core arena and understanding the dos and don’ts of this issue is becoming a key concern for our industry. Our session will provide background on this new guidance, describe the concerns from the regulatory arena on brokered deposits, and review a sample contingency funding plan that has become the centerpiece of this new guidance. You will receive guidance for making certain your ALCO process describes, measures and monitors these issues.
Product Showcase Presentations in Expo
Monday, March 29, 3:40-4:30 pm
What Do Customers Really Want?
Bob J. Johnson, SVP/National Sales Director, BancVue
As a community bank, you provide superior service that your customers love. But are your products meeting their needs? What products do consumers really want from their bank? In this session, you will learn about the latest research in consumer perceptions on banking, their needs and desires. Based on this extensive research, we will show you how to implement innovative products that will set your bank on fire! Existing customers will reengage in your bank, new customers will be drawn in by your exciting products, and your employees will be thrilled to sell your world-class products. By the end of this session, you will have gained insight into consumer perceptions on banking; learned how to match products to meet their needs and desires and how to draw new customers to your bank and gain loyalty of existing customers.
Real Estate & MarketMaker
Tom Keenan, Senior Vice President, Guardian Investment Real Estate &
MarketMaker
MarketMaker is a uniquely qualified proprietary loan and ORE sales platform providing all features necessary to maximize the value of today’s NPA: an unparalleled buyer interface and yield platform with industry best security, control, and convenience functions. MarketMaker delivers full confidence that deal flow is seen by the maximum number of qualified participants while at the same time bank documents are seen only by those qualified individuals whom the bank may pre-approve. Through the combination of its proprietary platform and its extensive national network, MarketMaker consistently locates, engages, and delivers the unique high bidder. Presentation shall consist of an interactive Powerpoint presentation displaying the platform, its user interface, its robust operational features, and its advantages in the marketplace.
Decrease Exposure to Risk and
Increase Efficiency with Integrated Risk Management
Michael D. Cohn, CPA, CISA, CGEIT, Director - WolfPACsm Integrated
Risk Management
WolfPACsm is a secure, online suite of thirteen risk assessment and risk management tools that incorporate the elements of enterprise risk into one integrated solution. With WolfPACsm financial institutions can assess risks, document controls, view centralized results across the enterprise, and validate results against peers. Whether the objective is the creation or strengthening of current information technology, vendor, privacy, compliance, operational or enterprise risk assessments, institutions can select one or several of WolfPACsm modules to complement existing risk management programs. Come see how WolfPACsm has helped over 90 financial institutions minimize exposure to risk while saving time and money.
Product Showcase Presentations in Expo
Tuesday, March 30, 8:00-9:20 am
CRE – Managing through the
Market Challenges
Steve Mandic, Director of Business Development, Sierra Group
Discussion on the merits and key elements of a Collaborative Construction Process versus traditional methods, for both fast track and conventional construction projects. The key benefits to be outlined are: Same or lower branch construction costs; Earlier branch opening dates affording earlier revenue opportunity; Increased opportunities for innovation and solutions; Improved decision making; Lower risk of change orders; Increased productivity and focus and Improved long-term relationships.
Diversify Your Loan Portfolio
& Generate Fee Income
Darrell Boyd, SVP, Triad Financial Services, Inc.
Triad Financial Services, Inc. provides banks with high quality, high yield secured consumer loans. Triad’s business model allows banks to diversify their loan portfolio and generate fee income with no FTE requirement and minimal risk. With an exceptional yield, high FICO scores and built-in cash reserves, a Triad loan portfolio is the best performing and most secure asset in today’s market.
Focal Point – Our Solution
to Your Risk Management & Fee Income Needs
Trevor Austin, Regional VP – Sales, Allied Solutions
Our presentation will highlight Allied Solutions’ Focal Point approach. We will focus on two areas of need – Risk Management solutions and Fee Income solutions. For risk management, we will highlight our partnership with Phoenix Underwriters, a mortgage loan default insurance program. For fee income, we will highlight our partnership with NXG Strategies, a provider of Identity Theft Restoration Services.
Be Confident in Your Credit
Portfolios Compliance with ECL
Fred Shemirani, CFO, ECL Software
More regulations are imposed on banks and lenders every year. Also, risk assessment and stress testing are two areas that need continuous monitoring. More sophisticated management systems are needed to track and maintain compliance. With our in-depth knowledge and experience in both the construction and banking industries, as well as our technological expertise, we know how to keep banks in compliance, and what risk factors they should be looking at and why.
Learning Sessions
Tuesday, March 30, 9:30-10:30 am
Essentials of Capital Raising
Dennis A. Long, CEO, Bank of the Pacific, WA ($668mm)
Christopher D. Myers, President & CEO, Citizens Business Bank, CA ($6.408b)
David Warner, CEO, Pacific Valley Bank, CA ($188mm)
Raising capital isn’t what it used to be. We’ve put together a panel of bankers who have successfully raised capital in today’s less-than-ideal environment. Listen as they tell their stories and what it took to raise the capital needed.
Boost Your Profitability While
Increasing Customer Loyalty
Joseph Gillen, CEO, Pinnacle Financial Strategies
Many bankers underestimate the value that can be derived from existing customer relationships and assume that fees have no place in a discussion about products and services, unless they are being lowered. Arming your customer contact people with data-driven research will satisfy the customer’s need to understand the value of what is being delivered for the fees that are assessed. Further, maintaining and expanding on your customer relationships can be the most effective use of your marketing dollars. Every one of your small business and commercial customers has employees and other relationships that can be driven to your bank to increase your deposits and non-interest income.
Directors Session Compensation
in the New Regulatory Environment
Gayle Appelbaum, Managing Director & Founder, Amalfi
Consulting, LLC
Economic and market conditions, coupled with unprecedented regulatory changes are creating challenges in executive compensation and ushering in a new era for compensation committees and boards as a whole. Our speaker will discuss these recent changes, their potential implications for executive compensation and the compensation governance process and what you need to know when looking at your compensation plans.
Learning Sessions
Tuesday, March 30, 11:40 am-12:30 pm
Growing Loans & Deposits in
Today’s Economy
Robert McGoffin, Senior Consultant, Askourbanker.com
You will be provided best practices high performing banks are using in this current economic environment to increase loans and deposits. The strategies used are practical and will be useful for years to come. This session is designed to be interactive and provide you with options that support your interest income and demand deposit growth strategies.
Weathering the CRE Storm
Susan Tjarksen, Managing Director, Stabilized Asset Resources, LLC
As with any asset exposure, significant concentrations can lead to losses and capital deficiencies in a stressed environment. This session will provide you with best-practice approaches in C&D and CRE lending in a turbulent environment. You’ll leave with best practices in underwriting and credit administration. If you’re concerned about your banks portfolio, you don’t want to miss this session.
Directors Session The New
Regulatory Environment: Are You Ready?
Philip K. Smith, President, Gerrish McCreary Smith, PC
This session is intended to benefit both healthy institutions and those with a few regulatory concerns. The presentation will focus on the changing regulatory landscape, give examples of banks that have had to deal with regulatory issues, regulatory orders and the regulators themselves, and how best to handle those situations, explain the new focus of regulators and the current and coming economic cycles and how to position your bank to avoid regulatory problems.
Learning Sessions
Tuesday, March 30, 2:15–3:45 pm
Lifestyle Program with Guests
Dealing with Lifestyle Flux in Turbulent Times
Jim Finkelstein, CEO, FutureSense
Join with your conference guest to discover how you can rekindle the work-life balance affected by our down economy. With such things as reduced hours, reduced pay, and pending layoffs hovering over the heads of many, what can we do both individually, with our families, and collectively to maintain a fulfilling life inside and outside of work? You will be guided through discussions, coupled with anecdotal experiences to help you find ways to proactively adapt to today’s turbulent times.
Directors Session Interactive Mock
Board Workshop
Philip K. Smith, President, Gerrish McCreary Smith, PC
Back by popular demand, you will join with other directors in a board simulation session. You’ll be presented with a series of facts and your 10-member board will need to make decisions about the actions you will take. The Mock Board Session is an interactive workshop where you approach some of today’s top challenges in a relaxed learning environment.
One-on-One Meetings with Experts
Tuesday, March 30, 4:00–5:30 pm
One-on-One Consultations with the Experts
Sign up for brief meetings with selected speakers, consultants and other experts to review and discuss how they might address one of your challenges. We have dedicated time on the schedule for these meetings and will provide additional time slots if demand warrants it.
One-on-One Meetings with Investors for Saturday/Tuesday Have Been Eliminated
The meetings originally planned will NOT occur in the formal environment on Saturday and Tuesday. There MAY be some WIB Associate Members attending that want to meet with banks. If you would like us to provide your bank’s name to such firms, so that those firms interested in meeting with you can schedule a time with you at the Conference, please indicate so on your Attendance Questionnaire or contact nancy@wib.org
Peer Exchange Sessions
Directors Only
This is a round table discussion 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.
Monday, March 29, 11:40 am-12:40 pm
• Improving Efficiencies and
Increasing Profitability
Tuesday, March 30, 10:40-11:30 am
• Compensation in Today’s
Environment
Bankers Only
Bankers will have three group sessions to discuss issues with other bankers. Our Peer Exchange format is the primary reason that many independent community bankers in the West attend this Annual Conference. Bankers will be assigned to specific groups for discussions.
Monday, March 29, 11:40 am-12:40 pm
• Improving Efficiencies and
Increasing Profitability
Tuesday, March 30, 10:40-11:30 am
• Compensation in Today’s
Environment
• Maintaining Employee Moral in
Turbulent Time
Bankers and Directors
Facilitators help ensure these combined peer exchange sessions are as enriching as possible. You have the opportunity to share your experiences and ask pointed questions of interest to other bank directors and bankers. Do you share the same challenges and if so, how best to approach them?
Wednesday, March 31, 8:00-9:15 am
• Operating in the New
Regulatory Environment
Chairmen Only
These sessions are designed to allow chairmen of the boards of independent banks to share issues and solutions unique to their positions.
Monday, March 29, 11:40 am-12:40 pm
• Chairmen Only