Calendar

Sep
26
Thu
PACB Convention 2019 @ The Broadmoor
Sep 26 – Sep 28 all-day

Convention 2019 Logo

The PACB Executive Committee, Board of Directors and Team invite you to be a part of Convention 2019 September 26-29 at the majestic Broadmoor in Colorado Springs, CO. The educational programs and events planned are extraordinary and we can’t wait to share them with the community banking family of PACB.

This year’s Annual Convention provides remarkable value and endless opportunities to network, appreciate the mountain splendor, and grow your banking knowledge.

  1. Use Convention 2019 to learn what community bankers are doing and how they are doing it. This gathering of intelligent, experienced bankers, speakers and industry providers will attend and bring exceptional thoughts and vision. Share in the exchange of ideas by attending the extensive educational sessions and engage in the one-on-one conversations that follow. The educational programs will stimulate your thinking, while challenging you to evaluate new community banking strategies.
  2. Network with the Exhibitors and Sponsors and maximize the convention experience by connecting with organizations that provide solutions to meet your bank’s needs and challenges.
  3. Convention is an excellent venue to mix business and pleasure. Board members and executive management should capture this opportunity to engage in entrepreneurial and strategic conversations that you never seem to have a moment for back home.
  4. Enjoy The Broadmoor! The schedule provides some afternoon free time to experience the local area. The Garden of the Gods, Pikes Peak, The Cheyenne Mountain Zoo, world-class golf and a renown spa. Convention attendance also affords the opportunity to utilize the convention room rate to extend your stay…three days prior and three days post. Bring the family; enjoy the mountain grandeur and reenergize!

We encourage you to review the convention pages on this website and begin planning your PACB Convention experience. Convention 2019 is an opportunity to celebrate Community Banking and to tell the stories of how you and your team are making the dreams of customers, friends, neighbors and hometowns realities.


REVIEW AND REGISTER

Mail Registration

If you would prefer to mail your Annual Convention registration this year, please CLICK HERE to download a .pdf copy of the PACB CONVENTION 2019 Registration Brochure.

Online Registration

Convention registrations are now being accepted online. Please CLICK HERE to fill out your registration form today!


Questions

If you have any questions, contact PACB at (717) 231-7447 or by email at pacb@pacb.org.

Oct
7
Mon
Marketing Conference 2019 @ Hershey Lodge & Convention Center
Oct 7 @ 8:30 am – 11:15 am

Monday, October 7, 2019 – Tuesday, October 8, 2019
Hershey Lodge & Convention Center
325 University Drive, Hershey, PA 17033

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


WHO SHOULD ATTEND

CEOs, Marketing Officers & Managers, Retail Officers, Social Media Managers, all involved in Marketing Strategy and Development.

CONTINUING EDUCATION CREDIT

This course will provide up to 7 hours of continuing education credit for CPA’s. PACB is an approved provider of the PA State Board of Accountancy.

LODGING

The PACB has reserved a block of rooms for this conference. To make your reservations, please call the Hershey Lodge 855.729.3108 and ask for the room block for the PA Association of Community Bankers Marketing Conference. Alternatively, guests may make reservation online at https://book.passkey.com/go/PAAssnCommBankersMarketingMtg.

The cut off date for the room block is Friday, October 4, 2019 so make your reservations today!


CONFERENCE AGENDA

Day 1 • Monday • October 7, 2019

8:30am: REGISTRATION & CONTINENTAL BREAKFAST

8:45am: How Community Banks Win at Marketing
Presented by: Jim Gillen, Director of Business Development, Financial Institutions, Lightstream
Most banks today compete in an overbanked market, and most times against much larger institutions who have very large marketing budgets. Can they compete and develop a successful marketing strategy? We’ll show you how to develop a cohesive message that can resonate with the target audience through telling the right story to the right people, both internally and externally!

9:45am: Getting in the Game: Aligning Marketing and Execution for Growth
Presented by: Neil Stanley, CEO/Founder, The CorePoint
As an industry, we spend vast amounts of money, not to mention time and internal resources, to market our institutions—to get them to choose us. We brand. We market. The role of the marketing professional is to get consumers—the team captains—to pick our bank first. For this to be most effective, however, there must be alignment between marketing and execution. Building true alignment between marketing and execution depends on four factors: product knowledge, customer service, accountability and incentives. Join us as we figure out how to keep your bank from being left on the sideline.

Key points to be covered:
• Overview of key industry trends
• Best practices for building true alignment between marketing and execution
• Proven strategies for expanding your customer base

10:45am: REFRESHMENT BREAK

11:00am: Leadership in a Media-Driven World
Presented by: Dr. Jeffrey D. McCausland, Founder & CEO, Diamond6 Leadership & Strategy, LLC
Perception is reality. – Lee Atwater
Successful leaders are constantly striving to find innovative ways to “leverage” the media to communicate their vision, broaden the organization’s reach, and enhance (or preserve) their reputation. As a leader and marketing professional you must recognize that you and your organization could come under the media’s microscope at any moment – be it the hiring of a controversial CEO, financial crisis, the leak of sensitive information, a tragic accident, or an inadvertent “tweet”! Every organization will face some kind of “press” at one point or another – positive AND negative. At those critical moments in the life of any organization it is important to realize that the perceptions portrayed by the media are, in fact, reality. The big question is…. are you ready for that reality?

Learning Objectives:
• Learn to deal with the media to avoid misconceptions and misinterpretations
• Understand to present your organization’s message using the various media outlets – during day to day operations AND crisis situations
• Discuss to “join forces” with the media to create a positive and beneficial relationship

12:00pm: LUNCHEON

1:15pm: Winning with Customer Data
Presented by: Shelly Swanson, National Account Executive, Main Street, Inc.
Sifting through deposit and loan customer data can be overwhelming and confusing as to how to use it for valuable insights. We’ll walk through examples on how to take retail customer data and transform it into insights and actionable solutions for growth. You’ll be encouraged to rethink how to optimize customer data in a way that makes sense for your institution.

2:15pm: STRETCH BREAK

2:20pm: Branches vs. Digital – Where is your retail delivery sweet spot
Presented by: Bob Reggiannini, Senior Manager, Crowe LLP & Tom Grotte, Manager Director, Crowe LLP
Branch traffic is decreasing and new digital banking competitors are becoming increasingly viable in financial services. For customers, however, physical branches and digital banking is not an either/or choice. They want the benefits of having both digital and person-to-person banking. For community banks finding the right strategy and combination of delivery for branches and digital is critical to success. During this presentation, Crowe experts will share their perspective on the sweet spot for delivering value to customers through a combination of digital and physical branches. They will review key trends and opportunities in digital banking technology, and will also describe operating models for keeping branches relevant.

3:30pm: ADJOURNMENT

6:00pm: RECEPTION & NETWORKING

Day 2 • Tuesday • October 8, 2019

8:30am: BUFFET BREAKFAST

9:00am: Reaching the Small Business Community…Marketing Strategies that Engage and Motivate Business Owners
Presented by: Sarah Barr (invited), Owner, Konhaus Marketing

10:00am: Was My Communication Received?
Presented by: Patricia Howard, Sr. Public Relations Specialist, SHAZAM
Measure twice and cut once. Sound advice and it works in the communication world, too. Chances are you’re using multiple communication channels to tell your story. From web content, blogs and social media — how do you learn what’s successful, what isn’t and what should be improved? This session will review measurement techniques, provide tips for improving social media reach and engagement for your financial institution and ways to use these metrics to justify your budget to leadership.

11:15am: ADJOURNMENT

Oct
9
Wed
Fraud Seminar 2019 @ Radisson Hotel Harrisburg
Oct 9 @ 8:30 am – 4:00 pm

Wednesday, October 9, 2019
Radisson Hotel Harrisburg
1150 Camp Hill Bypass, Camp Hill, PA 17011

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


WHO SHOULD ATTEND

Information Security, IT Security, Security Officers, Training Officers, Branch Managers, HR Managers and Compliance Officers.

CONTINUING EDUCATION CREDIT

This program qualifies for 6 hours of CPE credit. PACB is an approved provider by the PA State Board of Accountancy. Completion certificates will be issued for all attendees who request that service.

LODGING

The PACB has a special rate at the Radisson Hotel Harrisburg. 1150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.


COURSE AGENDA

8:30am: Registration & Continental Breakfast

9:00am: Trends in Fraud
Times change, crimes change. During this interactive session we will identify and discuss the top five types of fraud seen during the last two years and then compare them to what’s trending today. Hear from your peers on their own recent experiences. You’ll learn about the various ways in which criminals will attack your bank. We’ll explain how fraudsters use social media to try and recruit your actual customers. You’ll leave with a better understanding of what’s happening right now and what you can do to prepare.

Elder Fraud: Growing Faster than the Speed of Age
Elder fraud is the fastest growing segment for crime in our country! Criminals know who they want to target and have found ways to get close to their victims. They know exactly how to manipulate their mark and don’t care what happens to them after the scam. After gaining control of your accountholder, the weakest link at your institution becomes the target.

In this session, you will learn how your loan function can unintentionally help these criminals. Many of those who become victims will not admit it or be unwilling to prosecute the criminals—they don’t want anyone to know they were deceived. We will review how the attacks work, as well as how to get the victims help!

10:50am: Refreshment Break

11:00am: Fraud in the Digital World
We will explore the various fraud trends as a result of the increased use of technology, best practices for your bank to mitigate and combat fraud in the digital world. We’ll talk through the increase in Card not present Fraud, Data Breaches, Artificial Intelligence, Advanced Dark Web Monitoring and Social Engineering. The interactive session will include how we as a community can utilize best practices to combat the fraudsters.

12:00pm: Lunch

1:00pm: Social Engineering: How Not to Give Everything Away
This fast-moving program on preventing losses will focus on the information identity thieves obtain before they call your financial institution and the information they want to get from you. You will learn how criminals target your institution when trying to obtain information or financial rewards. Understand how to question a person so you can determine if they are a customer or a thief. Don’t let the criminals socially engineer you or your staff into giving them financial information or access to another person’s account.

Internal Fraud: The Warning Signs
How prepared is your institution for internal theft and fraud? Embezzlements were one of the most reported SAR events filed by financial institutions from 1996 to 2013. This riveting session identifies the behavioral changes that can identify internal frauds in the making! We review the warning signs that every staff member should look for or be able to identify to help stop an internal embezzlement. Discover where the thief will spend the stolen funds and how they keep their stealing from being found. Know whether you should do the investigation or hire a Certified Fraud Investigator. This insightful program provides you the tools needed to understand the workings of an internal fraud.

4:00pm: Adjournment


ABOUT THE PRESENTERS

Barry Thompson, Managing Partner
Thompson Consulting Group, LLC
Barry Thompson is a nationally-recognized speaker, consultant, and former banker, with nearly 40 years of service to the financial institution industry. Barry’s financial services career spanned 22 years before he “retired” to establish Thompson Consulting Group, LLC, to assist financial institutions in competing more effectively by providing services specifically targeted to risk management and security.

During his career, he served in various management positions throughout the financial services industry. In addition to security, Barry has experience in operations, accounting, investments, mortgage processing, and special assignments. Barry has investigated embezzlement cases, identity fraud cases, check kites, and almost all possible criminal incidents against financial institutions. As a security officer, Barry handled over 900 security cases and has been involved with investigations and prosecutions on the federal, state, and local levels and has testified before grand juries, county courts, bankruptcy courts, family courts, and the New York State Supreme Court.

Thompson Consulting programs are based on actual experiences that allow presenters to relate to any group of financial professionals, from the teller to the board of directors. Mr. Thompson appears frequently before financial institutions and at industry conferences and is a frequent contributor to various financial and forums.

Paul Rooney, Senior Fraud Analyst
Worldpay
Paul Rooney is a Senior Fraud Analyst, who has over 16 years of experience in Card Fraud at Worldpay. Paul has previously led several roles within the Fraud Team at Worldpay that include managing the day to day activities of the fraud team, as well as the strategy/analytics teams. In his current role, Paul acts as a subject matter expert with respect to Card Fraud. Paul specializes in working closely with Worldpay clients by providing industry insight, and best practices that help clients build effective fraud mitigation strategies to balance risk and cardholder experience. Paul speaks nationally at financial institution Fraud symposiums as a subject matter expert. Paul currently resides in Houston Texas with his wife and two daughters aged 8 and 4.

Oct
10
Thu
ALM Seminar 2019 – Eastern PA @ Radisson Hotel Harrisburg
Oct 10 @ 8:00 am – 3:30 pm

Thursday, October 10, 2019
Radisson Hotel Harrisburg
1150 Camp Hill Bypass, Camp Hill, PA 17011

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


SEMINAR OVERVIEW

BEST PRACTICES IN ASSET/LIABILITY MANAGEMENT: This annual program will focus on the critical issues bank ALCOs are facing in 2019, and what we anticipate for 2020. Economic data has been more and more positive in 2019. 1st quarter GDP growth was 3.2%, and forecasters expect continued good growth in 2019. Consumer spending and business investment are need for continued economic expansion. This business cycle is 121 months into expansion in July, and is now the longest expansion in history. Consumer and business confidence is positive, and the unemployment rate was at a 50 year low of 3.6% in April. The housing market is strengthening along with the labor market. All of this activity is not moving inflation rates above 2%, a level desired by the Fed. All of this positive news bodes well for bank lending, and loan demand is very good in most areas of Pennsylvania. But we should be caution in liquidity management, and commercial lending as the cycle matures.

The most important variable for the ALCO to focus attention on is short-term interest rates. The Fed moved rates up three times in 2017, and four times in 2018, but there is no forecast of an increase in 2019. Deposit pricing became very aggressive in the second half of 2018, and remains relatively aggressive 2019, but with the Fed on hold, deposit rates should stabilizes along with the cost of funds by the 4th quarter of 2019. Banks have struggled with internal cannibalization of deposits in 2018, and we are defending our deposits from local and internet competition in 2019.

The seminar will focus on regulatory concerns mainly with commercial lending, and liquidity management. Interest risk management appears to be less of a concern in 2019. Liquidity management will be a major concern for your ALCO through 2019 as retail deposit growth is difficult and costly. The program will conclude with asset and liability decision making in 2019 into 2020. As loan demand has increased, investments have become less of a priority, but investment portfolio strategies continue to be an essential element of ALM. Liability management had not been a significant concern for over nine years, but it became our primary concern in 2018 and is continuing into 2019. Deposits strategies to cope with a changed rate environment need to be discussed in the ALCO meetings. We will also explore wholesale strategies involving the FHLB advances and brokered CDs.

WHO SHOULD ATTEND

CEOs, CFOs, COOs, Directors, Investment Managers, ALCO Committee Members, Lenders, Risk Managers and others involved in ALM

NEXTGEN COMMUNITY BANKING LEADERS

Bring a NextGen Banking Leader along to this important seminar. Let them learn from the expert and network with colleagues in an interactive educational environment. This experience will help them grow and be a stronger member of your bank’s team. NextGen bank leaders receive $100 discount on the registration fee.

CONTINUING EDUCATION CREDIT

Up to five (5) hours of CPE will be offered for this program. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

SEMINAR AGENDA

8:00am: Registration & Refreshments
8:30am: Current Environment
• Regulatory Overview
• Business Cycle Trends & the Impact on Pennsylvania Banks
• Interest Rate Forecast – Fed became more aggressive in 2018
• Liquidity Management – Liquidity is shrinking on bank balance sheets as rates increase
10:00am: Refreshment Break
10:15am: Seminar Continues
• Interest Rate Risk – Examiner comments, and insights from independent reviews
• Modeling IRR – Validating assumptions remains a concern of examiners.
12.00pm: Lunch
1:00pm: Managing Assets in the Current Environment
• Funding growth for 2019 – Liquidity Management
• Investment Options on a flattening Yield Curve
• Lending
• Residential lending is a challenge and this will continue. More strategic than ALCO.
• Managing concentrations in CRE lending
Managing Liabilities in the Current Environment
• FHLB Strategies
• Growth in Broker deposits – a trend to watch.
• Deposit Strategies: Moving customers from large savings pools to CDs. Let’s look at changing cost of funds
• Preventing internal cannibalization & Defending Deposits
• Challenges Facing ALCO In 2020
3:30pm: Adjournment

ABOUT THE PRESENTER

Dr. James Clarke, Principal, Clarke Consulting
Dr. James Clarke is the Principal of Clarke Consulting, a Villanova, Pennsylvania firm specializing in ALCO issues and strategic planning for community banks. Jim has lectured on asset/liability management at the Stonier National School of Banking sponsored by ABA, the Southwest Graduate School of Banking, the New England School of Financial Studies and Connecticut School of Banking. He conducts ALM seminars for many state associations, and for Risk Management Association (RMA) and Financial Managers Society (FMS). Jim also conducts board education programs on ALM for a number of state associations. In 2017 through 2018, Jim spoke at the Connecticut, Maine and Pennsylvania Association of Community Bankers conventions and number of director conferences. Dr. Clarke is on the Board of a community bank, and is a Director of an investment company. Jim is also on the Editorial Board of the RMA.

LODGING

Camp Hill Location: The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.
Monroeville Location: Contact the Doubletree, 101 Mall Blvd, Monroeville directly at 412-373-7300 for reservations. Please mention that you will be attending a PA Association of Community Bankers seminar to secure a group rate.

Oct
23
Wed
FDIC Director Seminar 2019 @ DoubleTree Monroeville
Oct 23 @ 8:15 am – 1:30 pm

Wednesday, October 23, 2019
DoubleTree Monroeville
101 Mall Boulevard, Monroeville, PA 17033

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


PROGRAM OVERVIEW

PACB is excited to once again work with the Federal Deposit Insurance Corporation (FDIC) to provide the Directors and Trustees College. The format for 2019 includes breakout modules, and a large-group case study. The program will conclude with a luncheon and economic update. This program is designed to provide continuing education to bank executives, directors and trustees on current and relevant topics and various elements of bank supervision.

WHO SHOULD ATTEND

This program is designed for CEOs, inside directors/trustees, and outside directors/trustees.

CONTINUING EDUCATION CREDIT

Attendees of this course are eligible for up to 4 hours of CPE. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

PROGRAM AGENDA

8:15am: Registration/Continental Breakfast
8:45am: Welcome/Opening Remarks
8:55am: Agenda Overview, FDIC Facilitator
9:00am: FDIC Opening Remarks
9:15am: Breakout Module #1
10:15am: Refreshment Break
10:30am: Breakout Module #2
11:30am: Case Study, FDIC Facilitator
12:30pm: Networking Luncheon & Economic Update
1:30pm: Adjournment

LARGE GROUP CASE STUDY

Assessing Fintech Strategies
Fintech company partnerships provide many opportunities, such as quick underwriting, growth, and efficiencies. Markets are dictating that directors make strategic decisions whether or not to partner with fintech companies. This interactive case study will present a fintech market opportunity for the participants to assess and includes a discussion of corporate governance and strategic implications.

2019 BREAKOUT MODULES

Conversation with the Regulators
This session will provide an informal setting for participants to hear what is on regulators’ minds and to share experience and insights as a community bank board member. Members of the FDIC regional management team will highlight emerging issues, answer participant questions, and discuss topics raised by participants. The session structure will include prepared remarks as well as an open forum for questions and discussion.

Liquidity Management – Is Your Bank’s Oversight Program Appropriate?
Hear about recent trends in funding structures and associated implications for community banks. Key areas directors should be considering in oversight and policies will also be discussed. We will talk about funding concentrations, current regulations regarding brokered deposits, and funding stability. We will also provide an overview of liquidity measurement and monitoring expectations and discuss risk factors impacting your bank’s oversight needs.

CRE Stress Scenario Analysis – Understanding the Results
Attendees will learn the importance of CRE analysis as a risk management tool to assist the board in assessing current and potential risks within the loan portfolio, establishing minimum capital levels, addressing risk appetite, and setting appropriate product lending limits. The session will walk through a CRE stress scenario, which will show how data inputs, assumptions, and severity of scenarios can influence results.

Audit Committee Oversight
Learn about the fundamental elements of effective audit program governance and the audit committee’s critical oversight roles and responsibilities. The session will also cover common examination findings and include an audit committee meeting exercise to reinforce the underlying concepts.

Guidance for New Directors
This session will focus on fundamental board governance issues and is designed for Directors with less than five years’ experience. In addition to discussing participant questions, the session will cover Directors’ roles and responsibilities, the examination process, and effective strategies to monitor bank performance.

LODGING

The PACB has reserved a block of rooms for this seminar. To make your reservations, please call the DoubleTree Monroeville directly at 412-373-7300 and mention the PA Association of Community Bankers to receive the special group rate.

Oct
24
Thu
ALM Seminar 2019 – Western PA @ DoubleTree Monroeville
Oct 24 @ 8:00 am – 3:30 pm

Thursday, October 24, 2019
DoubleTree Monroeville
101 Mall Boulevard, Monroeville, PA 15146

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


SEMINAR OVERVIEW

BEST PRACTICES IN ASSET/LIABILITY MANAGEMENT: This annual program will focus on the critical issues bank ALCOs are facing in 2019, and what we anticipate for 2020. Economic data has been more and more positive in 2019. 1st quarter GDP growth was 3.2%, and forecasters expect continued good growth in 2019. Consumer spending and business investment are need for continued economic expansion. This business cycle is 121 months into expansion in July, and is now the longest expansion in history. Consumer and business confidence is positive, and the unemployment rate was at a 50 year low of 3.6% in April. The housing market is strengthening along with the labor market. All of this activity is not moving inflation rates above 2%, a level desired by the Fed. All of this positive news bodes well for bank lending, and loan demand is very good in most areas of Pennsylvania. But we should be caution in liquidity management, and commercial lending as the cycle matures.

The most important variable for the ALCO to focus attention on is short-term interest rates. The Fed moved rates up three times in 2017, and four times in 2018, but there is no forecast of an increase in 2019. Deposit pricing became very aggressive in the second half of 2018, and remains relatively aggressive 2019, but with the Fed on hold, deposit rates should stabilizes along with the cost of funds by the 4th quarter of 2019. Banks have struggled with internal cannibalization of deposits in 2018, and we are defending our deposits from local and internet competition in 2019.

The seminar will focus on regulatory concerns mainly with commercial lending, and liquidity management. Interest risk management appears to be less of a concern in 2019. Liquidity management will be a major concern for your ALCO through 2019 as retail deposit growth is difficult and costly. The program will conclude with asset and liability decision making in 2019 into 2020. As loan demand has increased, investments have become less of a priority, but investment portfolio strategies continue to be an essential element of ALM. Liability management had not been a significant concern for over nine years, but it became our primary concern in 2018 and is continuing into 2019. Deposits strategies to cope with a changed rate environment need to be discussed in the ALCO meetings. We will also explore wholesale strategies involving the FHLB advances and brokered CDs.

WHO SHOULD ATTEND

CEOs, CFOs, COOs, Directors, Investment Managers, ALCO Committee Members, Lenders, Risk Managers and others involved in ALM

NEXTGEN COMMUNITY BANKING LEADERS

Bring a NextGen Banking Leader along to this important seminar. Let them learn from the expert and network with colleagues in an interactive educational environment. This experience will help them grow and be a stronger member of your bank’s team. NextGen bank leaders receive $100 discount on the registration fee.

CONTINUING EDUCATION CREDIT

Up to five (5) hours of CPE will be offered for this program. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

SEMINAR AGENDA

8:00am: Registration & Refreshments
8:30am: Current Environment
• Regulatory Overview
• Business Cycle Trends & the Impact on Pennsylvania Banks
• Interest Rate Forecast – Fed became more aggressive in 2018
• Liquidity Management – Liquidity is shrinking on bank balance sheets as rates increase
10:00am: Refreshment Break
10:15am: Seminar Continues
• Interest Rate Risk – Examiner comments, and insights from independent reviews
• Modeling IRR – Validating assumptions remains a concern of examiners.
12.00pm: Lunch
1:00pm: Managing Assets in the Current Environment
• Funding growth for 2019 – Liquidity Management
• Investment Options on a flattening Yield Curve
• Lending
• Residential lending is a challenge and this will continue. More strategic than ALCO.
• Managing concentrations in CRE lending
Managing Liabilities in the Current Environment
• FHLB Strategies
• Growth in Broker deposits – a trend to watch.
• Deposit Strategies: Moving customers from large savings pools to CDs. Let’s look at changing cost of funds
• Preventing internal cannibalization & Defending Deposits
• Challenges Facing ALCO In 2020
3:30pm: Adjournment

ABOUT THE PRESENTER

Dr. James Clarke, Principal, Clarke Consulting
Dr. James Clarke is the Principal of Clarke Consulting, a Villanova, Pennsylvania firm specializing in ALCO issues and strategic planning for community banks. Jim has lectured on asset/liability management at the Stonier National School of Banking sponsored by ABA, the Southwest Graduate School of Banking, the New England School of Financial Studies and Connecticut School of Banking. He conducts ALM seminars for many state associations, and for Risk Management Association (RMA) and Financial Managers Society (FMS). Jim also conducts board education programs on ALM for a number of state associations. In 2017 through 2018, Jim spoke at the Connecticut, Maine and Pennsylvania Association of Community Bankers conventions and number of director conferences. Dr. Clarke is on the Board of a community bank, and is a Director of an investment company. Jim is also on the Editorial Board of the RMA.

LODGING

Camp Hill Location: The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.
Monroeville Location: Contact the Doubletree, 101 Mall Blvd, Monroeville directly at 412-373-7300 for reservations. Please mention that you will be attending a PA Association of Community Bankers seminar to secure a group rate.

Oct
28
Mon
Training the Credit Analyst @ PACB Headquarters
Oct 28 @ 8:15 am – 3:30 pm

Monday, October 28, 2019
PACB’s New Headquarters
3211 N. Front Street, Harrisburg, PA 17110

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


COURSE OVERVIEW

Training the Credit Analyst is a course designed to address the needs of beginning credit analysts and reinforce the credit skills of current credit analysts in all aspects of credit analysis. It begins with a thorough review of the components of financial statements and proceeds into analyzing the financial statements by preparing a financial spread and then interpreting the results. The course will teach how to write effective and comprehensive credit analyses which highlight and detail the important trends shown on the financial spread sheet. Other analytical tools that will be covered in detail include: Cash Flow Analysis; Break-Even Analysis; Ratio Analysis, Financial Projections; Sustainable Growth Rate Calculation; Sensitive Analysis; Industry Comparison Analysis and Loan Grading.

COURSE AGENDA

8:15am: Registration/Continental Breakfast
9:00am: Seminar Begins
12:30pm: Networking Luncheon
3:30pm: Adjournment

COURSE OBJECTIVES

The objective of this course is to provide the Credit Analyst with analytical skills that can be put to immediate use upon return to their respective banks. They will learn to use proven analytical tools which will enable them to assess the degree of risk prior to recommending approval or declination of a credit request. Another objective of this course is to improve the documentation of commercial loan files which will reduce losses and will be viewed favorably by the regulatory community.

WHO WILL BENEFIT FROM THIS COURSE?

Training the Credit Analysis is designed for Credit Analysts with little or no experience; Credit Officers; Commercial Loan Officers/Managers; Loan Review Officers and Branch Managers.

AFTER PARTICIPATING IN THIS COURSE, THE PARTICIPANTS WILL

• Know the various types of financial statements and be able to identify the components of financial statements including the Balance Sheet, Income Statement, Statement of Cash Flows, and Reconciliation of Net Worth.
• Know how to read the Notes to Financial Statements and identify latent Notes which may have a major impact on the operating performance of a credit.
• Know how to spread the financial statements consistently and interpret ratio analysis so that trends can be identified.
• Know how to perform a detailed Cash Flow Analysis by calculating the sources and uses of funds from one accounting period to another.
• Know how to prepare financial projections based upon assumptions provided by the borrower, then to test those assumptions by utilizing sensitivity analysis.
• Know how to calculate the Sustainable Growth Rate and understand how varying rates of growth will impact the financial condition of the borrower.
• Know how to identify factors which may impact the ability to repay debt obligations and to document the finding in a written credit analysis memorandum.
• Know how to calculate the break-even point which is important in determining the minimum level of activity required to generate sufficient cash flow to repay debt obligations.
• Know how to perform industry comparison analysis utilizing Standard Industry Codes.
• Understand how to grade a loan after the analysis is completed.

PREREQUISITES

In order to obtain the greatest benefit from this course, participants should have a general understanding of Accounting and have a basic understanding of financial statement and credit analysis.

CONTINUING EDUCATION CREDIT

This course will provide up to 6 hours of continuing education credit for CPA’s and Certified Commercial Lenders. PACB is an approved provider of the PA State Board of Accountancy.

ABOUT THE PRESENTER

Jeffrey Johnson, Executive Vice President, Senior Consultant, Bankers Management, Inc.
Jeffrey Johnson more than 25 years’ experience in the banking space. Most of Johnson’s career has been spent on the sales, lending and credit analysis side of banking. He has managed several loan portfolios at regional and community banks, representing a cross-section of loan types. Johnson is lead instructor at CBAI’s Commercial Lending Institute and is a faculty member at the CBAI’s Midwest School for Community Bankers. He also conducts extensive training for the Community Bankers Associations of Georgia, Illinois, and other community banking Associations. He is a graduate of Morehouse College, Atlanta; John Carroll University, University Heights, Ohio; and Prochnow Graduate School of Banking, Madison, Wisconsin. Johnson received his graduate certificate in bank management from Wharton School of Business at the University of Pennsylvania, Philadelphia.

LODGING

The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.

Nov
4
Mon
Maximizing Mutuality Conference 2019 @ The Hotel Hershey
Nov 4 @ 8:30 am – Nov 5 @ 11:15 am

Monday, November 4, 2019 – Tuesday, November 5, 2019
The Hotel Hershey
100 Hotel Road, Hershey, PA 17033

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


WHO SHOULD ATTEND

This conference is designed for Mutual Charter CEOs, CFOs, COOs, Directors and other senior management.

NEXTGEN COMMUNITY BANKING LEADERS

Bring a NextGen Mutual Banking Leader along to this important Conference. Let them learn from experts and network with colleagues in an interactive educational environment. This experience will help them grow and be a stronger member of your bank’s team. NextGen mutual bank leaders receive $100 discount on the registration fee.

CONTINUING EDUCATION CREDIT

Seven (7) hours of CPE will be offered for this conference. CLE has been applied for and final Information from PBI will be provided online when received.

LODGING

The PACB is holding a block of rooms for the Maximizing Mutuality Conference at The Hotel Hershey. You may register online at https://book.passkey.com/go/2019PACBMutualityConference or call the hotel directly at 855.729.3108. When calling, please ask for the room block for the PACB Mutuality Conference.

The cut off date for the room block is Friday, October 4, 2019 so make your reservations today!


CONFERENCE AGENDA

Day 1 • Monday • November 4, 2019

8:30am: Registration/Coffee

8:45am: Welcome/Opening Remarks

9:00am: Maximizing Mutuality…Be Something Special – A Redux
Presented by: Daniel P. Weitzel, Esquire, Locke Lord
There are numerous ways in which to separate mutual banks from the crowded field of financial institutions; longevity, community focus, ownership, pedigree and commitment. This session will discuss ideas for cooperation and collaboration with one another, either through formal partnering or sharing of products and services. We will also discuss real world examples of how mutual banks have succeeded in leveraging their mutual form to their advantage.

10:30am: Refreshment Break & Networking

10:45am: Developing a Foundational Digital Strategy
Presented by: Sundeep Kapur, Digital Credence
Digital strategy today is built around enhancing the consumer experience. Digital is our biggest branch and we need to empower this branch to serve existing consumers, attract new consumers, and also support our other channels. The “digital branch manager” is akin to the head of e-commerce in the retail world. This branch manager needs to be empowered (and mentored) to run this channel like a true dot com.

Many digital transformation projects start with a focus on the consumer but do very little to assist employees. We need to conduct a back-end digital transformation (enhance the financial supply chain) with a focus to assist employees to become more efficient. From simplifying information access to intuitive/auto-decisioning systems – there is a lot of room for improvement.

With a correct digital foundation, we can scale to grow and serve consumers well. This session will discuss ideal practices including pitfalls to avoid and lessons learned. 60 minutes of accelerated learning to enhance and help you build a foundational digital strategy.

12:00pm: Luncheon

1:00pm: The Feeling’s Mutual – How Can Pennsylvania Mutual Banks Boost Their Brand
Presented by: Jim Gillen, LIGHTSTREAM
Growing market share today calls for well-crafted messaging and the right marketing channels, especially when it comes to brand messaging that attempts to translate being a mutual institution into real-life customer benefits.

We will discuss how mutuality serves as a significant asset, and should be part of an overarching message that explains your passion for helping the local community grow and thrive. Mutuality is more than a mantra – it is part of your institutional DNA.

Can mutuality alone drive your marketing? Probably not, but it can be used to enhance your overall brand. We will discuss how a comprehensive plan that leverages the right marketing channels and your strengths as a mutual institution, will better communicate the value you bring to customers and communities.

2:30pm: Corporate Governance Hot Buttons in Today’s Regulatory Environment
Presented by: Eric Luse, Luse Gorman, PC
The session will review the responsibilities of Trustees/Directors in today’s regulatory environment with a particular emphasis on regulatory expectations based on Luse Gorman’s experience. Accordingly, this is not the usual “directors’ fiduciary duties under the law”; but rather what regulators expect as a matter of practice. Another way to say it is that “directors don’t want a recitation of the law…directors want to know what practices will keep them out of trouble with the regulators”.

3:30pm: Legislative and Regulatory Update
Presenter TBD

4:30pm Adjournment

6:00pm: Networking Reception

7:00pm: Dinner

Day 2 • Tuesday • November 5, 2019

8:30am: Buffet Breakfast

9:00am: Cyber Security: Why the Dark Web Should be Your Guide
Presented by: Jeremy Burris CISA, CISSP, MCP, L | PT, CPTS, C|EH, ECSA, CICP Security+, S.R. Snodgrass, P.C.
This session will discuss – What is the Dark Web and what do we need to know about it. How can we use Dark Web information as a guide to a successful cybersecurity plan? Mr. Burris will also discuss some trending threats, weakest links and cybersecurity regulatory focuses.

10:15am: Mutual Institution Participation in Consolidation – Components of Future Success and Strategic Alternatives
Presented by: Richard B. Trauger, Jr., The Kafafian Group, Inc.
This session will review how mutuals have participated in the consolidation of the banking industry, including: upstream, downstream, and mergers of equals; merger consideration; legal and accounting issues; and case study examples. Subject matter discussed will include: State of the Industry, Important Components of Future Success, Industry and Branch Consolidation, State of Mutuals, Strategic Alternatives, Key Stakeholders.

11:15am: Adjournment


ABOUT THE PRESENTERS

Daniel P. Weitzel, Esquire
Locke Lord
Daniel P. Weitzel represents banks before the federal bank regulatory agencies as well as the many state banking departments. This representation is regarding both transactional and regulatory compliance matters. Daniel also represents clients in corporate and securities law, focusing on mergers and acquisitions and other corporate reorganizations, private placements of both debt and equity and general corporate business planning and counseling. Dan has represented companies and individuals in numerous instances relating to corporate control issues and financial transactions. He has also represented investment banks and other entities in acquisition, divestiture and capital raising transactions.

Jeremy Burris CISA, CISSP, MCP, L | PT, CPTS, C|EH, ECSA, CICP Security+
Principal, S.R. Snodgrass, P.C.
Jeremy has over 15 years of information systems audit and controls involvement. His main focus at Snodgrass is network attack and penetration testing. He has had extensive training in this area, holds four certifications in the area, as well as a license which very few penetration testers hold. This gives a unique security focused approach to all of the work that Jeremy performs. His technical experience includes proficiency in Microsoft Windows server and desktop environments; various versions of Linux, Kirchman Bankway Financial application; network security; and data analysis.

Jim Gillen
Director of Business Development Financial Institutions Group, LIGHTSTREAM
Jim joined Lightstream in January 2019 with more than 25 years of service in the banking industry. Over his career, his time has been almost evenly split between working as a senior executive of community banks and working with senior executives of community banks. While working for financial institutions, he has served as a former CEO, COO, and CMO. Prior to joining Lightstream, Jim was the Chief Marketing Officer at $1.9 billion ESSA Bank & Trust in Northeastern Pennsylvania. Jim also has worked as a performance and marketing consultant to banks and credit unions with a focus on improving performance and increasing market share. At Lightstream, Jim works with bank and credit union clients on various strategic projects, such as developing marketing plans, brand and culture training, peer benchmarking, marketing and sales alignment, and more.

Eric Luse
Partner, Luse Gorman, PC

Eric Luse is a co-founder of Luse Gorman law firm and is recognized as one of the leading financial services attorneys in the nation. He has been representing banks, savings institutions and holding companies for more than 25 years, and has been on the cutting edge of new developments in holding company reorganizations and capital raising transactions by mutual and stock savings banks as well as community banks.

A significant part of his practice involves advising boards of directors and management on new developments in corporate governance and compensation, as well as legislative and regulatory changes that affect the business and financial performance of banks. He also works closely with clients in guiding transactions through the regulatory approval process.

Mr. Luse is recognized as the nation’s leading expert on mutual holding companies. He has authored numerous articles on banks and savings institutions which have appeared in The American Banker, SNL Thrift Investor, Legal Times, and Community Banker.

Sundeep Kapur
Educator and Strategist, Digital Credence

Sundeep Kapur has been assisting organizations with their converged channel marketing strategies since 1990. From direct marketing to digital to converged, he is a passionate teacher who works with businesses across multiple industries, helping them to enable technology and services to brand, and personalize and speak to consumers more effectively.

Sundeep is an industry recognized expert who has delivered keynotes, run panels, and delivered “relevant, inspirational, and outstanding” education for organizations like the Direct Marketing Association, Shop.org, National Sports Forum, Online Marketing Institute, ClickZ, Search Engine Strategies, and more.

Sundeep is also an avid user of social media, having leveraged words, pictures, and video into a conversational digital book. His daily dose of best practices can be found at www.EmailYogi.com, where he has more than 1,200 articles on best practices. He authors a column on Social Integration for ClickZ and has been hosting a monthly phone call on digital marketing best practices since 1999.

He has a BA in Economics, a BS in Computer Science, and an MBA.

Richard B. Trauger, Jr.
Managing Director, The Kafafian Group, Inc.

Rich has been affiliated with TKG in various capacities since inception and is also a shareholder. He participates in all facets of our service lines and is primarily responsible for strategic planning, customer statistical analysis and visualization, capital planning and stress testing, financial analytics and modeling, and is a member of our financial advisory services team.

He has led over 100 client engagements for financial services industry firms and has extensive experience with boards of directors and executive management teams. During his career Rich has successfully completed over three dozen merger and acquisition, capital market, and financial advisory assignments for financial institutions, with an aggregate transaction value of approximately $2.6 billion.

During his 30-year financial services industry career, Rich has developed his skill set, first as a financial analyst with Dauphin Deposit Corporation (now M&T Bank Corporation) and then as an investment banker with Tucker Anthony Sutro Capital Markets (now RBC Capital Markets).

In addition to client facing assignments, Rich has been a subject matter expert for SNL Financial, L.C. (now S&P Global Market Intelligence) on the topic of advanced bank valuation. He has also served as an expert witness for matters involving financial services industry firms. He is a faculty member at the American Bankers Association Stonier Graduate School of Banking, the Pennsylvania Bankers Association School of Banking and Advanced School of Banking and is an occasional speaker at industry events.

Rich holds an undergraduate degree from Penn State University (Harrisburg) and the license of Certified Public Accountant in the Commonwealth of Pennsylvania, along with the following other professional designations: Chartered Global Management Accountant (CGMA®), Certified Valuation Analyst (CVA®), CERTIFIED FINANCIAL PLANNERTM (CFP®), and Chartered Financial Consultant (ChFC®).

He continues to pursue additional levels of education and is eligible to sit for the Level III exam as administered by the CFA Institute. He is a practitioner member of the National Association of Certified Valuators and Analysts (NACVA), and a member of the CFA Institute, the CFA Society of Philadelphia, the AICPA and the PICPA.

Rich is also a certified barbeque judge and table captain as sanctioned by the Kansas City Barbeque Society.

Nov
8
Fri
Retail Banking Seminar 2019 @ Radisson Hotel Harrisburg
Nov 8 @ 8:30 am – 3:30 pm

Friday, November 8, 2019
Radisson Hotel Harrisburg
1150 Camp Hill Bypass, Camp Hill, PA 17011

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


COURSE AGENDA

8:30am: Registration and Continental Breakfast

9:00am: Stop Selling and Start Connecting: Why Your Marketing Program Isn’t Working!
Presented by: Patrick Dix, VP Strategic Alliances, SHAZAM, Inc.
It’s not enough to be your community’s “Hometown Bank”. You can’t just tell a potential customer it’s “your people” that make the difference. The number of years you’ve been in business doesn’t mean anything to your potential customer. Information is coming at your customers and your potential customers faster than ever. The volume can turn to white noise if you don’t stop and pay attention to how you target customers, when they see your message, where you deliver that message and how you tell your institution’s story. This session explores the ways digital media is changing the way we market to customers, the new ways customers are digesting the information you serve up and how you can differentiate your message by connecting with customers instead of trying to sell to them.

10:00am: Weeding Through the Risks of Banking the Cannabis Industry
Presented by: Terri Luttrell CAMS – Audit, Audit, Senior Manager of Strategy, Abrigo
Thirty states have now legalized medical or recreational marijuana, but the fact remains that it is still illegal at the federal level. What about hemp and CBD? Are they now legal and safe to bank with the passing of the Farm Bill? Financial Institutions have been hesitant to provide traditional banking services to these businesses, forcing a cash-only climate with much of the cash moving underground and putting communities at risk. Learn the risks of banking MRBs and learn tips on how to succeed if your financial institution decides to take on these businesses.

11:00am: Networking Break

11:15am: Effective Approaches to Omnichannel Marketing – Strategies, Tactics, and ROI
Presented by: John Pastor, Regional Sales Manager-Analytics & Marketing, Baker Hill
Not sure what to do with all of your data? You are not alone. This session will help you understand strategies and tactics you can use to grow loans using the data you already have. This includes ways to segment your data to reveal where your opportunities are, who to target first, and how to do it within your budget. This presentation relates to use of technology to determine how to market a variety of products to achieve maximum results.

12:15pm: Lunch

1:05pm: How Commerce Is Being Redefined: Keeping Pace with Evolving Consumer Expectations
Presented by: Matt Herren, Director of Payment Services, Computer Services, Inc.
Today’s customer expects more. More options, more security, and a better overall experience. It is not enough to just offer innovative products and services – it is critical to explain to consumers how these changes will benefit them. In this session, we will discuss the transition to a more secure payment card ecosystem and how emerging financial technology will fit in to our collective future – from Contactless cards to tokenization, digital wallets, and what payments will evolve into over the next decade. The rate and pace of change has never been this fast, yet it will never be this slow again. It is imperative that all institutions understand the consumer challenges currently faced in the financial technology world, and more importantly, how the industry is planning to address them.

2:05pm: Networking Break

2:15pm: Quarterbacking Retail Deposits
Presented by: Neil Stanley, CEO/Founder, The CorePoint
Managing the process of effectively competing for local deposits to properly fund earning assets is becoming increasingly challenging. This session will explore the many ways bankers can enhance their approach to optimize deposit gathering results. The old idea that we just have to pay more to get more is out of touch. Gathering and retaining properly-priced retail deposits in this environment requires enhanced products, processes, preparation, people, pricing, promotion, and presentation. Front line bankers must read and react to each opportunity as they present a sequence of options designed to make the most profitable financing impact regarding each individual funding alternative. When consistently practiced, upgraded approaches create the flexibility to adjust and deliver superior financial results while simultaneously providing the required balance sheet funding.

In this interactive session we will share practical insights about how the most successful banks are growing properly-priced, long-term retail deposits. Attendees will glean new ideas about products and approaches that cover the funding spectrum from simple to complex, from the essentials required to attract and retain stable core deposits to aggressive campaigns that create sensibly-priced deposit growth.

3:15pm: Closing Remarks and Q&A Session

3:30pm: Seminar Adjourns

WHO SHOULD ATTEND?

Retail Managers, Retail Staff, Operations Officers, COOs, and Senior Management.

CONTINUING EDUCATION CREDIT

This course will provide up to 5 hours of continuing education credit for CPA’s and Certified Commercial Lenders. PACB is an approved provider of the PA State Board of Accountancy.

LODGING

The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.