Calendar

Oct
24
Tue
BSA Compliance Series: Job-Specific BSA Training for the Frontline: CTRs, SARs, CIP & More
Oct 24 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: BSA Compliance Series: Job-Specific BSA Training for the Frontline: CTRs, SARs, CIP & More
Presenter: Susan Costonis, CRCM – Compliance Consulting and Training for Financial Institutions

Oct
25
Wed
FDIC Directors and Trustees College
Oct 25 @ 8:15 am – 1:30 pm

Wednesday, October 25, 2017
DoubleTree Monroeville
101 Mall Blvd, Monroeville, PA.

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 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


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 2017 includes breakout modules, and a large-group case study. The program will conclude with a luncheon and economic update. This session 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.


2017 BREAKOUT MODULES

Conversation with the Regulators
This forum 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.

Risk Focused Supervision
This case-based session will highlight the importance of risk identification, both from a risk management and consumer protection perspective. Relative to risk management, the content will focus on identifying credit risk. Relative to consumer protection, the content will focus on identifying practices that could lead to consumer harm.

We’ve Been Hacked
This case-based session will take you through a cyber-security attack. Participants will work through developing a response plan, identifying missteps that contributed to the vulnerability, and determining steps to lessen the likelihood of future attacks. Participants will consider any consumer protection implications of an attack. The forum will also include discussions of IT oversight and cyber risk.

Balance Sheet Funding – Strategic Considerations
This module will focus on funding risk trends in the areas of concentrations, on-balance sheet liquidity, brokered deposits, and Internet deposits. It will also include a case study to illustrate the risk/reward tradeoff of funding strategies.


LARGE GROUP CASE STUDY

We’re Growing the Bank
Community banking prospects are positive, and many bank management teams are discussing growth opportunities. This interactive case study will work through various ways banks are growing. This session will incorporate lessons learned from prior banking crises, discuss relevant strategic planning considerations, and identify risks to consider going forward.


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.

Advanced Commercial Loan Documentation
Oct 25 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Advanced Commercial Loan Documentation
Presenter: Ann Brode-Harner – Brode Consulting Services, Inc.

Oct
26
Thu
Current Issues in Asset/Liability Management – Monroeville
Oct 26 @ 8:30 am – 3:30 pm

Thursday, October 26, 2017
DoubleTree Monroeville
101 Mall Blvd, Monroeville, PA.

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 AGENDA

8:30am: Registration/Refreshments
9:00am: Current Environment
• Post-Election Impacts on the Banking Industry
• Business Cycle Trends & Impact on Pennsylvania Banks
• Interest Rate Forecast – Fed is likely to be more aggressive in 2018
• Liquidity Management – Liquidity is shrinking on bank balance sheets as rates increase
10:30am: Refreshment Break
10:45am: Managing Bank Risk
• Interest Rate Risk – A greater regulatory concern in 2017
• Modeling IRR – Validating assumptions is key concern of examiners.
12:00pm: Luncheon
1:00pm: Managing Assets in the current Environment
• Funding growth for 2018 – Liquidity Management
• Investment Options on a Flattening Yield Curve
• Lending
• Residential lending: Refinancing & Purchase
• Managing concentration in commercial lending
Managing Liabilities in the Current Environment
• FHLB Strategies: Time to Lengthen Liability Duration
• FHLB Strategies for Matched Funding
• Deposit Strategies: Moving customers from large savings pools to CDs
• Challenges Facing ALCO In 2018
3:30pm: Adjournment


SEMINAR OVERVIEW

This seminar will focus on the critical issues bank ALCOs will face in 2018. Asset/liability management is a challenge in 2017 primarily due to changes in the yield curve based on both economic variables and political factors. The current post-election changes for the most part were initially positive, but the question facing bankers and forecasters is: How permanent is the optimism towards economic growth, and is the new interest rate environment just a short-term reaction or will the yield curve’s steepen or flatten through 2018? Short-term interest rates increased at the March and June 2017 Fed Open Market Committee meetings, and if the growth of the economy remains moderate, and inflation meets the Fed expectations we will likely see at least one more Fed Funds increase in 2017.

Economic data has been relatively weak in the 1st half of 2017, but forecasters are more optimistic for the 3rd and 4th quarters. Consumer spending is rising along with consumer confidence. The housing market is strengthening along with the labor market. The unemployment rate is 4.3% and wages are beginning to rise. All of this positive news bodes well for bank lending, but should be a caution sign for liquidity management.

The seminar will present regulator concerns with commercial lending, liquidity management, and interest risk management. We will explore regulatory guidelines on interest rate risk policy and procedures with a focus on modeling. The seminar will conclude with asset and liability decision making in 2018. If loan demand increases to be solid, investments will be less of a priority, but investment portfolio strategies are always an essential element of ALM. We will also look at recent trends in loan portfolio management, both residential mortgage lending and commercial portfolio management. Liability management has been relatively straightforward over the last eight years, but will likely become a challenge in 2018. Liability management will focus on deposits strategies to cope with a rising rate environment. We will also explore wholesale strategies involving the FHLB advances and brokered CDs.


WHO SHOULD ATTEND

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


CONTINUING EDUCATION CREDIT

Attendees of this course are eligible for up to 5 hours of CPE. PACB is an approved provider of continuing education by the PA State Board of Accountancy.


ABOUT THE PRESENTER

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 2014 through 2017, Jim spoke at the FMS Forum, the Connecticut, Maine and Pennsylvania 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 Journal.


LODGING

A block of rooms has been reserved at the DoubleTree, 101 Mall Blvd, Monroeville, PA. Please contact the hotel directly at 412-373-7300 for reservations. Please mention the PA Association of Community Bankers to secure the group rate.

Risk Management Series: Establishing or Maturing Your Vendor Risk Management Program
Oct 26 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Risk Management Series: Establishing or Maturing Your Vendor Risk Management Program
Presenter: Branan Cooper – Venminder

Oct
31
Tue
Preparing for the Impact of New Prepaid Card Rules Under Regulation E: Deadline April 1, 2018
Oct 31 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Preparing for the Impact of New Prepaid Card Rules Under Regulation E: Deadline April 1, 2018
Presenter: Elizabeth Fast, JD & CPA – Spencer Fane LLP

Nov
1
Wed
Working with Troubled Loans: Extensions, Deferments, Re-Aging, Refinancing & Incentives
Nov 1 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Working with Troubled Loans: Extensions, Deferments, Re-Aging, Refinancing & Incentives
Presenter: David A. Reed, JD – Reed & Jolly, PLLC

Nov
2
Thu
CECL Loss Estimation Methodologies: Using Your Bank’s Data History to Create Workable Options
Nov 2 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: CECL Loss Estimation Methodologies: Using Your Bank’s Data History to Create Workable Options
Presenter: Tommy Troyer – Young & Associates, Inc.

Nov
6
Mon
PACB Services Board Meeting @ PACB Headquarters
Nov 6 @ 10:00 am – 2:00 pm
Nov
7
Tue
Required Compliance for Commercial Loans Secured by Real Estate
Nov 7 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Required Compliance for Commercial Loans Secured by Real Estate
Presenter: Susan Costonis, CRCM – Compliance Consulting and Training for Financial Institutions