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From
the President
Nancy E. Sheppard, WIB President & CEO
Director education is one of
our core competencies, so we’re pleased by the response to this newsletter. We’re excited that our authors are all specialists who know the
independent bank environment and are providing you with some insights into your
challenging role as a bank director.
If you haven’t considered
combining director education with a family vacation perhaps now is the time to
look at our 7-day cruise to
Alaska
in late August. We already have 50 people signed up. As a director or
banker, you can select from several options. If you’d like to have a minimal
amount of training and just some good ol' fashioned peer group interaction, you
can register for just the two 1½ hour peer sessions. Or, you can select two days of training on the role of director, planning
and a better understanding of the bank’s financial statements. I’m staffing this event, and hope to share some great adventures with
you.
General
Interest
Is
Enterprise Risk Management Achievable at a Community Bank?
S. Scott
MacDonald, Ph.D. ,
Southwestern Graduate
School
of Banking
An effective enterprise-wide
risk management system is not only achievable at a community bank, but when
implemented effectively will actually improve the organization’s bottom line
performance. Establishing an effective ERM means making ERM a part of the
bank’s culture; establishing a risk management committee; creating a footprint
of the organizations risk profile; as well as appointing or hiring a chief risk
officer. <read
more>
Strategic
Issues
Strategy 101
- Part II
By Cass Bettinger, Cass Bettinger & Associates
All bank leaders and investors
are justifiably driven to control their own destinies by creating superior
shareholder value. This column presents “the shareholder value
equation” and the two, and only two, drivers of ROE, ROA and the equity
multiplier. Then, the six-financial drivers are introduced with special
focus on the key strategies for managing the most powerful - interest
income/average assets. <read more>
Mergers
& Acquisitions Review
By Curtis
Carpenter, Sheshunoff Management Services
First
quarter pricing for commercial bank transactions shot past the record levels of
the past two years, and, by many measures, represents the highest prices every
recorded. Western banks weighed in with nearly 20% of the transactions announced
and surpassed national record level pricing. <read more>
Technology
Customer
Relationship Management Best Practices By
Ken Sebastian, ViTEX
While
customer relationship management (CRM) is a popular idea at bank conferences, it
is still in its infancy within the community banking market. There remains a
huge gap between the promise of CRM and the reality. But, a few success stories
within banking and in other industries have identified several common keys to
success. Here are a few basics and fundamentals to a successful CRM project.
<read
more> KEY
COMMITTEES
How
Do You Approve Loans as a Member of the Board Loan Committee When You Have Never
Made a Loan in Your Life?
By
Stephen A. Enna, John Parry & Alexander
Congratulations
you are now a member of the Loan Committee but you have never made a loan in
your life. What are the key things you should be mindful of in order to make a
contribution as an active member?
<read more>
CORPORATE
GOVERNANCE
SEC’s
Proposed Rule Changes To Executive Compensation Disclosure
By John Stuart
& Ken Moore, Reitner, Stuart & Moore
The SEC’s proposed rule changes to executive
compensation disclosure take a different spin, and compensation committees need
to do some advanced thinking about how to deal with the disclosure and the
transparency they provide. While the regulations will only technically
apply to “registered” companies, it is likely that these disclosures will
soon become “best practices” for everyone.
<read more>
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WIB
Directors Institute: Corporate Governance Core Competencies Alaskan Cruise
- Aug.
27-Sept. 3
