CEO | Senior Lending Officer | Technology & Operations Officer
CEO Affiliation Program
MAIN SESSIONS
High Performance Idea Exchange
Developing new strategies that affect bank performance is one of the primary objectives for any CEO. In the current economic environment there is an increased demand for change in order to keep the bank at its highest performance level. The High Performance Idea Exchange provides an opportunity for CEOs to discover best practices and to learn from the bankers who are implementing these ideas. During the Idea Exchange led by Bob McGoffin, we will:
- Encourage the free exchange of ideas among bankers
- Explore how a new banking model is replacing the old banking model
- Discuss ways to improve the bank’s overall performance, productivity and profit
Maximizing the Effectiveness of Your Bank’s Website
It’s no secret that the internet has drastically changed the dynamics of the customer relationship. Websites have evolved from a place to post information about the bank to a cost-effective delivery channel and marketing tool. As your customers become more technology oriented, potential exists for your website to become an even more powerful marketing tool. Is your organization fully leveraging this valuable asset? In this session we will:
- Discuss the characteristics of a good website
- Examine ways to attract new customers and better serve existing customers using new digital marketing technologies
- Analyze digital marketing tactics that create a competitive advantage
Managing the New Opt-in, Overdraft Fee Rules Under Regulation E
The final rule issued by the Federal Reserve under the Electronic Funds Transfer Act (Regulation E) adopts an opt-in approach for all consumers and requires affirmative consent before any assessment of NSF or overdraft fees can be made for ATM and one-time debit card transactions. The impact of this final ruling is extremely broad and will result in significant changes for many organizations—not only in terms of the modifications necessary to comply with the ruling but also for the potentially negative impact on earnings. It is critical for your organization to have a coordinated approach for implementing this change. You must have the processes in place and the people trained to properly serve your customers so they understand their options regarding this service. This session will not cover the tactical steps of implementation but will focus on the strategic aspects of communicating to your customers, educating your staff and examining alternative strategies to replace the potential loss of revenue. During this session we will address issues such as:
- What does this mean for your organization?
- What communication strategies and messaging will work most effectively for your customers?
- What potential revenue replacement opportunities are available?
- How prepared is your staff to implement the necessary changes as well as explain the options to your customers?
- How will your systems work and interact in the new environment?
Expense Management Opportunities
In a recent survey, bankers stated one of their top four concerns was expense reduction/cost control. In just three years, the overall profitability of the banking Industry has declined in terms of ROA from 1.28% at year-end 2006 to .22% at the end of the second quarter of 2009. The FDIC special assessment and the skyrocketing costs of managing regulatory compliance are two recent examples of significantly higher costs for most organizations. As a result, bankers are under intense pressure to balance costs and need measurable strategies to control and reduce costs. In this session we will:
- Examine new ways to assess the true effectiveness of your operating environment
- Review a staffing analysis formula to determine if there are gaps, redundancies or inefficiencies in your organizational structure
- Hear what other banks are doing to successfully optimize efficiency
Breakout Sessions
Merger & Acquisition and Industry Update
The financial collapse of 2008 and the resulting recession have dramatically changed the industry and the dynamics of mergers and acquisitions. The industry now has many banks in need of a merger partner to survive but relatively few buyers with the necessary capital and courage. With more banks likely to fail, where are the best values? What prices can a clean bank in a strong market expect? In this session, we will:
- Review recent trends in merger and acquisition activity of both healthy and problem banks
- Identify emerging industry trends and how the playing field is changing
- Discuss typical deal terms in this new market and ways of dealing with problem assets
- Review the terms of FDIC assisted transactions
- Discuss sources of new capital and how it is priced
- Formulate ideas of what the next 24 months may hold
Regulatory Compliance Issues: What Every Bank CEO Needs to Know
It’s easy to feel overwhelmed by all the regulatory changes faced by bankers today. While you have staff members or third party firms that deal with the many specific details of compliance, it’s important for you to understand the latest hot buttons and regulatory expectations. To facilitate this understanding, we will cover the latest regulatory developments and trends and how the bank can efficiently comply with them. During this session, we will:
- Explore examination and enforcement action trends
- Examine common pitfalls in examinations
- Analyze the triggers prompting regulatory focus
- Consider best practices to ensure ongoing compliance
- Encourage the sharing of experiences among participants
General Session
Macroeconomic Review
Dr. Ed Seifried will again share his views on the current economic environment and provide his thoughts on future trends. Specifically, Dr. Ed will:
- Discuss the 2010 Economic Recovery process associated with the 2007-09 recession as the speed and vitality of the recovery will influence loan performance and velocity of changes in interest rates
- Examine the probable course of interest rate change in 2010 from an asset-liability perspective and assign probabilities to each possibility
- Update his “Selected Economic Indicator Chart” by selecting the most important economic performance measures to monitor in 2010
- Share his observations of how community bankers across the nation are dealing with the “new post-financial crisis” banking environment
Don’t miss this informative and enjoyable session with Dr. Ed.
Senior Lending Officer Affiliation Program
MAIN SESSIONS
High Performance Idea Exchange
The High Performance Idea Exchange provides a forum for senior lenders to openly discuss various loan products, services and strategies and to address the many challenges facing lenders in today’s competitive environment. You will have an opportunity to exchange information with your peers and discuss strategies that have proven successful for your bank. During the High Performance Idea Exchange, we will
- Facilitate the sharing and comparing of ideas and strategies
- Discuss any lending-related topics of interest to your bank
Credit Quality and Workouts: The Next Generation
With the recent credit cycle affecting most community bankers, all aspects of the lending process—from underwriting to routine monitoring to workout/recovery procedures - were tested. How did your organizational structure, processes and procedures fare? Were they appropriate for the recent cycle? How do you make changes that meet the needs of the bank and your customers while satisfying the regulators? What strategies are appropriate going forward as bankers work to restore and maintain asset quality? These and many other questions are on the minds of lenders as they begin to look toward recovery. During this session we will
- Examine some of the reasons for the severe impact the economic downturn has had on banks in general and community banks in particular
- Discuss changes necessitated by the recent economic downturn
- Review the ongoing struggle of working with problems loans and the options available for customers
- Explore options for dealing with OREO
- Discuss the lending officer qualifications needed going forward
- Share lending approaches appropriate for today’s economic environment and the opportunities and challenges of the future.
Current Issues in Lending Regulatory Compliance
Regulatory compliance requirements are increasing in the lending area as well as bank-wide. You have a multitude of tasks to juggle and keeping current on regulatory changes can be a challenge. And there is often confusion and uncertainty about what is expected. However, there are proactive strategies community bankers can utilize to address today’s changing risk and regulatory environment. This interactive session will explore regulatory compliance topics that have the most impact for lending officers and will be based on the needs and feedback of the group—covering some topics in detail and highlighting others. In this session, we will
- Examine the latest regulatory developments and trends in lending
- Review common pitfalls in examinations
- Analyze the triggers prompting regulatory focus
- Consider best practices to ensure ongoing compliance
- Encourage the sharing of experiences among participants
GENERAL SESSIONS
Macroeconomic Review
Dr. Ed Seifried will again share his views on the current economic environment and provide his thoughts on future trends. Specifically, Dr. Ed will:
- Discuss the 2010 Economic Recovery process associated with the 2007-09 recession as the speed and vitality of the recovery will influence loan performance and velocity of changes in interest rates
- Examine the probable course of interest rate change in 2010 from an asset-liability perspective and assign probabilities to each possibility
- Update his “Selected Economic Indicator Chart” by selecting the most important economic performance measures to monitor in 2010
- Share his observations of how community bankers across the nation are dealing with the “new post-financial crisis” banking environment
Don’t miss this informative and enjoyable session with Dr. Ed.
Technology & Operations Officer Affiliation Program
MAIN SESSIONS
High Performance Idea Exchange
The High Performance Idea Exchange will provide an open forum for participants to discuss critical issues in technology and operations. With the emergence of greater customer demands, technology and operations and the processes that drive them have assumed greater importance in community banking. Drawing on the expertise of the participants in the group, we will focus on:
- Issues or challenges members of the group may be facing
- Ways that technology and operations can contribute to both sides of the bank’s balance sheet
Changing the Channel: Effectively Leveraging All Your Delivery Channels
Major investments are made in our branch and alternative delivery channels. Are you getting the most out of your investment? Branches continue to be a prime delivery channel but are they evolving into a highly efficient, cost effective channel? Are you actively directing customer behaviors to maximize income opportunities or to reduce delivery costs? Have you leveraged your existing technology to improve efficiencies, improve your customers’ experience and touch points, or to reduce service delivery costs? Highlights of the session will include discussions about:
- Getting the most out of your brick and mortar
- Modifying and rewarding customer behavior
- Getting the most out of your e-channels
- Tapping into social media networking
Top Five Mistakes That IT Makes
Technology is one of your bank’s most significant investments. It needs to be managed and aligned properly in order to meet your bank’s goals and keep your most important information secure. So when it comes to implementing a new system or software, you owe it to yourself to follow a streamlined approach before making any purchase or installation. During this highly informative (and somewhat humorous) session, we will:
GENERAL SESSION
Macroeconomic Review
Dr. Ed Seifried will again share his views on the current economic environment and provide his thoughts on future trends. Specifically, Dr. Ed will:
- Discuss the 2010 Economic Recovery process associated with the 2007-09 recession as the speed and vitality of the recovery will influence loan performance and velocity of changes in interest rates
- Examine the probable course of interest rate change in 2010 from an asset-liability perspective and assign probabilities to each possibility
- Update his “Selected Economic Indicator Chart” by selecting the most important economic performance measures to monitor in 2010
- Share his observations of how community bankers across the nation are dealing with the “new post-financial crisis” banking environment
Don’t miss this informative and enjoyable session with Dr. Ed.