A Community Bank Director Advisor Issue #56 - February 2012  

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Is Your D&O Insurance Keeping You Up At Night?  
Regulatory orders or other troubles in your bank often mean trouble with D&O insurance renewals and cost. WIB’s-endorsed insurance broker has helped many banks and boards deal with this challenge.

Get a free review of your current coverage. For more information contact Bill Zent, VP Member Relations, bill@wib.org or 858-270-9404.


Director Education Programs

WIB has a variety of quality education programs for bank directors planned, including those listed below. Check wib.org for updates to our directors' offerings throughout the year.

Alternative Revenue Strategies for Non-interest Income - February 23 – Webinar

Expanding Your Credit Toolbox - SBA Lending Basics - March 8 – Webinar

Annual Conference for Bank Presidents, Senior Officers & Directors - March 31-April 4, 2012 – Hyatt Regency at Gainey Ranch, Scottsdale, AZ

Annual Directors Conference - November 8-10, 2012 – Grand Hyatt San Francisco

Innovation to Move Your Bank Forward

Don’t miss out on strategies and peer interaction that will take you to the next level and improve bank profitability. The Annual Conference for Bank Presidents, Senior Officers & Directors, March 31-April 3 in Scottsdale, will help you keep up with major industry trends, issues and innovation. From directors-only peer sessions to a Mock Board Session led by Dr. S. Scott MacDonald, president & CEO, SW Graduate School of Banking, our program will provide insight to help you move your bank forward. You can view the full program here.

IFRS and GAAP Converged Standard on Credit Impairment
Paul Bridge and Nathan Dick, BDO

With the FASB and IASB’s converged standard on credit impairment on the horizon, it is worth considering and preparing for the implications the proposed credit impairment model could have on your company.  <read more>

Forecasting – A Director's Tool for Managing Performance
Chris Bledsoe, Bankers Dashboard

Every year, banks expend a tremendous amount of effort preparing the annual budget. But, the reality is that, once the budget is complete, it’s relevance and usefulness for the bank begins to diminish. By now, many of the assumptions that were used as a basis to prepare the budget are no longer valid. That’s why forecasting is so important.  <read more>

New SBA 504 Refinancing Program Benefits Small Businesses and Banks
Barbara A. Vohryzek, National Association of Development Companies and Director, Community Business Bank

Commercial real estate lenders have been watching their loan-to-value ratios increase as appraisals on collateral have declined during the recent recession. Recent revisions to the Small Business Administration’s (SBA) 504 refinancing program create a unique and time-driven opportunity to bring a lender’s owner-occupied commercial real estate portfolio back into regulatory compliance, reduce overall commercial real estate portfolio concentrations, and provides an additional tool for lenders to offer their small business clients.  <read more>

Western Independent Banker Magazine Spotlight
Top Performing Fee Income Strategies – Driving Sustainable Earnings
Jeff Rigsby, CB Resource, Inc.

Driving sustainable income in today’s flat interest rate environment is no small accomplishment. Couple that with increased regulatory burdens and an overall weak economy, today’s community banks are being challenged to create and sustain a steady stream of non-interest income in order to continue to create shareholder value and remain competitive in their market place.   <read more>

Take advantage of another valuable resource from WIB - the WIB Article Archives! You'll find a variety of articles on important topics.

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