conference - SNL Knowledge Center

5th5thAnnual
Annual
COMMUNITY BANKERS
COMMUNITY
CONFERENCE
CONFERENCE
Embracing the Curve: How to Thrive in a Changing Market
Embracing the Curve: How to Thrive in a Changing Market
March
29-31
March
29-31 •• Dallas,
Dallas, TXTX
PLUS: PRE-CONFERENCE GOLF, SNL 2015 COMMUNITY BANK AWARDS & MORE >>
“It was one of the
best programs I have
attended.”
- Past attendee, Stillman BancCorp N.A.
ABOUT US
SNL Knowledge Center is a leading provider of sectorspecific knowledge through executive conferences, live
training seminars and online courses.
SNL Financial, including SNL Knowledge Center, was
recently acquired by McGraw Hill Financial to enhance its
S&P Capital IQ product. The combination of S&P Capital
IQ's broad data and powerful analytics with SNL's deep
sector intelligence gives you unrivaled insight into the
markets and sectors you care about.
McGraw Hill Financial is home to some of the most iconic
brands in finance and business, including: Standard &
Poor’s Ratings Services, S&P Capital IQ and SNL, S&P Dow
Jones Indices, Platts and J.D. Power. McGraw Hill
Financial’s independent credit ratings, indices, analytics,
price assessments and research provide clients with the
essential intelligence to manage risk and identify
opportunities to grow.
You’ve heard it all before – it’s never been more difficult
to run a community bank than it is today. The tune hasn’t
changed much in the last few years – profitability pressure,
continued regulatory burdens, changing customer
preferences and a handful of “disrupters” threaten the
traditional community banking business model. These
changes are the new reality in banking. And that’s one
thing that probably isn’t going to change any time soon.
Banks must figure out how to embrace the curve – the yield
curve, as we continue in an era of persistently low interest
rates. Bankers must also embrace the learning curve,
recognizing that they must adapt to the variety of market
forces that change how they do business.
Together in panels, networking events and one-on-one
conversations, we will discuss what it takes to lead a
successful community bank of the future, as well as the
operational and financial strategies that are working in
a variety of markets across the country now. We won’t
dwell on the myriad challenges community banks face, but
rather we will focus on solutions and strategies that will
help you thrive in a changing market.
Shawn M. Ryan, CFA
Director
SNL Knowledge Center
Maureen Hollar McKenna
Producer, Banking
Conferences
SNL Knowledge Center
JP O'Sullivan
Director
SNL Financial
Glenn B. Miller, CFA
Senior Program Manager
SNL Knowledge Center
To register, or for more information: center.snl.com/cbc16 or call 888-991-7786
Wednesday, March 30
7:30 am Registration and
Continental Breakfast
8:30 am Welcome Remarks
8:45 am Keynote Address –
Embracing the Curve: How
to Thrive in a Changing
Environment
9:35 am Buy, Sell or Hold?
Capital and M&A Considerations
• The current environment for
community bank M&A: recent
valuation multiples and pricing
drivers.
• Special deal considerations for
thinly traded and privately held
institutions.
• How changes to the Small
Bank Holding Company Policy
Statement may impact M&A and
capital raising for community
banks.
• Raising and maintaining access
to cost effective capital.
• Evaluating all of your
alternatives for deploying
excess capital: M&A, organic
loan growth, dividends and
stock repurchases.
10:35 am Networking Break
11:00 a.m. Strategies for
Maintaining and Improving
Profitability
• Market trends in loan pricing
and structure.
• Assessing the profitability
of each loan – strategies
for structuring and pricing
commercial loans to maximize
profitability for the bank.
• Optimal funding strategies;
locking in a low cost of funds.
• An introduction to using
derivatives to hedge risk.
12:15 pm Luncheon
Sponsored by
SNL Top Community Bankers
Awards
1:15 pm Economic Environment
Update
A look at key economic indicators
and what this means for the
future operating environment for
community banks.
Tony Crescenzi
Executive Vice President,
Market Strategist and
Portfolio Manager,
PIMCO
2:00 pm The Great Debate: The
Future of the Branch in Banking
• Evaluating the branch’s role in
your multichannel strategy.
• Branch profitability:
determining which branches
are underachieving and ways to
improve performance.
• Evaluating the profitability of
each customer; how to retain
high-performing customers;
ways to improve performance
of unprofitable customers.
• Innovative ideas for your
branches.
• Successful strategies for
engaging your community
through your branch.
• What does the future of the
branch look like?
3:15 pm Networking Break
3:45 pm Mobile Banking
Consumer Behavior
• Percentage of smartphone
owners using mobile bank apps.
• Percentage of bank app users
that would pay to continue
using their mobile bank app.
• Most popular features.
• Most popular mobile payments
apps.
• Features that are missing from
users' bank apps.
Kellsy C. Panno
Associate Research Analyst,
S&P Capital IQ and SNL
4:00 pm Millennials as a
Customer Segment – Are They
All They are Cracked Up to Be?
There’s a lot of debate right now
regarding whether Millennials
are a profitable target for
community banks today. In this
session, we will address some of
these questions you are probably
asking:
• Should community banks try
to establish Millennials as
core customers now? Or are
community banks fighting a
losing battle against the big
banks?
• Should community banks wait
to attract Millennials over the
next 10 years, when they have
more profit potential? What do
community banks need to do
now to prepare?
• Not all Millennials are the
same, so should products target
certain lifestyles regardless of
age?
• Do you need to be the most
tech savvy bank to attract
Millennials?
• What are Millennials really
looking for in a bank and can
community banks deliver on
that?
4:30 pm Day One Concludes
5:00 pm Cocktail Reception
Sponsored by
6:30 pm Dinner
Sponsored by
"Excellent
conference,
as always."
- CFO, Entegra Financial
To register, or for more information: center.snl.com/cbc16 or call 888-991-7786
Thursday, March 31
7:30 am Continental Breakfast
Sponsored by
8:00 am A New Approach
to Commercial Real Estate
Prospecting
SNL's Director of Innovation John
Montgomery highlights problems
community banks face with
commercial real estate lending
and how to use SNL tools to help.
8:30 am Keynote Address:
What it Takes for Success
J. Pat Hickman,
Chairman and Chief
Executive Officer,
Happy State Bank
9:15 am Fighting Fraud and
Electronic Financial Crime
• Current fraud schemes.
• How banks and customers can
work together to reduce fraud.
• Increasing response and
resolution times.
• EMV migration: key
considerations.
9:45 am Networking Break
10:15 am Compete or
Collaborate Part 1: The
Intersection Between
Marketplace Lending and
The Banking Industry
• Competing with online lenders;
evaluating what they offer that
you don’t.
• The financial benefits of
partnering.
• Establishing good risk
management processes to
avoid potential fair lending
violations.
• Best practices to compete with
marketplace lenders.
11:00 am Refreshment Break
Sponsored by
11:15 am Compete or
Collaborate Part 2: The
Intersection Between Mobile
Payments and the Banking
Industry
• How to get a piece of the $90
billion mobile payments pie?
• How the EMV payment security
standard will support mobile
payment adoption.
• Barriers and benefits of mobile
wallet platforms – invest in
your own or partner?
• Best practices in collaborating
with other mobile wallet
providers.
• Do partnership benefits
translate to more profitability,
customer acquisition and
retention?
• How mobile wallets capture
purchase data and enable
targeted and relevant offers.
12:00 pm The Future of
Community Banking
Nathan Stovall,
SNL Sr. Editor and NY Bureau
Chief, provides projections for
community bank performance
and summarizes key takeaways
from the conference.
12:30 pm Program Concludes
with Closing Remarks;
Buffet Lunch
PRE-CONFERENCE
Tuesday, March 29
PRE-CONFERENCE
WORKSHOPS
8:00 am Pre-Conference
Workshops
Session #1 – Preparing for CECL
Implementation
• Evaluating current data needed
for transition.
• Methodologies to develop an
estimate of expected credit
losses and how these change
under CECL.
• Testing your planned approach.
Session #2 – Optimizing Your
Branch Network
• Best practices in measuring
branch profitability.
• Strategies for analyzing
expansion opportunities.
• Evaluating overlap,
consolidation and
reconfiguration opportunities.
• Optimizing channel strategy.
• Evaluating branch versus digital
channels.
PRE-CONFERENCE
ACTIVITIES
1:00 pm Networking Golf
Tournament
Sponsored by
1:00 pm Gourmet Cooking Class
and Tasting
5:30 pm Welcome Cocktail
Reception / Golf Awards
Sponsored by
Featured Speakers
Tony Crescenzi
Executive Vice President, Market Strategist
and Portfolio Manager, PIMCO
Mr. Crescenzi is an executive vice president, market
strategist and generalist portfolio manager in the
Newport Beach office. He is also a member of the
Investment Committee. Prior to joining PIMCO in
2009, he was chief bond market strategist at Miller
Tabak, where he worked for 23 years. Mr. Crescenzi
has written five books, including “The Strategic Bond
Investor” and “Beyond the Keynesian Endpoint.”
J. Pat Hickman
Chairman and Chief Executive Officer,
Happy State Bank & Trust Co.
Mr. Hickman is Chairman & CEO of Happy State Bank
& Trust Co. in Happy, Texas. A banker for 40 years,
he led his bank from the 812th largest in Texas with
6 employees, to the 17th largest with 620 employees.
Mr. Hickman served as a board member and chair
of several organizations, including the Independent
Bankers Association of Texas. He attended Texas Tech
University and West Texas A&M University.
For a full list of speakers, please visit center.snl.com/cbc16
Sponsors
Platinum Sponsors
Gold Sponsors
Silver Sponsors
Pre-Conference
Cocktail Sponsor
Golf Sponsor
The Essentials
How to register
Venue
Online: center.snl.com/cbc16
Phone: 888-991-7786
The Four Seasons Resort and Club
Dallas at Las Colinas is the perfect
destination for this annual event. With
its relaxing pools, spa, restaurants
and an award-winning 18-hole, par-70
course golf course, this destination
meets all of your criteria for a relaxing
getaway.
Registration Fees
$495 for community bankers
banks less than $10B in assets
$1,495 for all others
including investment banking and
commercial lending groups within
banks $10B in assets and above
$495 Pre-Conference Workshop
#1 - CECL
This pre-conference is only for
commercial bankers.
$495 Pre-Conference Workshop
#2 - Network Planning
This pre-conference is only for
commercial bankers.
$250 Golf
first 25 bankers that sign up are free!
$250 Cooking Class
includes expert instruction, apron, gift
and wine tasting.
Accommodations
A block of rooms at the The Four
Seasons Resort and Club Dallas at Las
Colinas has been reserved for program
attendees at a special rate beginning at
$285.00 for a superior room, $305.00
for a deluxe room, and $325.00 for a
villa, exclusive of taxes and fees. The
discounted rate is available through
Monday, February 29, 2016, or until the
block is filled, whichever comes first.
Spouses Welcome!
Spouses are invited to attend conference
networking activities for an additional
fee. Please see website for details.
Professional Development Credits
CFA Insititute: 12 Professional
Development Credit Hours
National Association of State Boards of
Accountancy: 14 CPE Credit Hours
Past Attendees
Admirals Bank
American Bank & Trust
American First National Bank
American Gateway Bank
American Momentum Bank
American National Bank
of Texas
Bank of Commerce
Bankwell Financial
Group, Inc.
BankWest Inc
BBCN Bank
Bridgewater Bank
Bryn Mawr Bank Corporation
Capital Bank
Capital City Bank
CapStar Bank
Carlile Bancshares, Inc.
CenterState Bank
Central Bank & Trust
Charter Bank
Cheviot Savings Bank
Choice Financial Holdings
Citizens National Bank
City Holding Company
CNB of Texas
CoastalSouth Bancshares, Inc.
Columbia Bank
Commerce National Bank
Commonwealth Business
Bank
Community Financial
Services Bank
Community National Bank
Congaree State Bank
ConnectOne Bancorp
Cornerstone Bank
Cornerstone Community
Bank
Cortland Bancorp
Crossroads Bank
Curtis State Bank
Dime Community
Bancshares, Inc.
Eastwood Finanical
Corporation
Entegra Financial
Evans Bank
Evansville Commerce Bank
F&M Bank and Trust
F.N.B.C. of LaGrange, Inc.
Farmers Bank & Trust
Farmers Exchange Bank
Fidelity Bank
First Bank & Trust
First Capital Bancorp
First Commercial Bank
First General Bank
First Internet Bancorp
First Landmark Bank
First NBC Bank
First Partners Bank
First State Bank & Trust Co.
Foundation Bank
Friendly Hills Bank
German American Bancorp
Grand Bank, NA
Grayson National Bank
Great Plains National Bank
Green Bancorp
Guaranty Bank
Happy State Bank
Heritage Bank of Shaumburg
Home BancShares, Inc.
Honor Bank
Independent Bank Group
Investar Bank
Jefferson Security Bank
Kentucky Bank
Kentucky Neighborhood Bank
Lincoln Savings Bank
Mackinac Financial
Corporation
Madison County Bank
Mechanics Bank
Memorial City Bank
Midland States Bank
MidSouth Bancorp, Inc.
Midwest Independent Bank
Morris Bank
NewFirst National Bank
Northern Bank & Trust
Company
Northpointe Bank
Old Point Financial
Corporation
Oregon Community Bank
Oregon Pacific Bank
Orrstown Bank
Ossian State Bank
Pacific Coast Banker’s Bank
Pacwest Bancorp.
Pathfinder Bank
Peoples Bank of Alabama
Pinnacle Bank
PlainsCapital Corporation
Prime Bank
Queensborough National
Bank & Trust
Republic Bank & Trust
S.Y. Bancorp, Inc.
Sabine State Bank & Trust Co.
Security National Bank
of Omaha
SharePlus Federal Bank
Shelter Bank
Somerset Trust Company
Southside Bank
Sovereign Bancshares
Standing Stone National Bank
State Bank Financial
Corporation
Stillman BancCorp N.A.
Summit Bank, NA
Tensas State Bank
Texas Bank and Trust
The Bank of Hemet
The F&M Bank & Trust Co.
The Piedmont Bank
TIB-The Independent
BankersBank
Triumph Bancorp, Inc.
Two River Community Bank
United Community Bank
of ND
United Fidelity Bank
Vantage Bank of Alabama
VantageSouth Bank
Veritex Community Bank
Vision Bank-Texas
Voyager Bank
QCR Holdings
Washington Savings Bank
Wayne Savings Community
Bank
Welch State Bank
Western Commerce Bank
Western Nebraska Bank
To register, or for more information: center.snl.com/cbc16 or call 888-991-7786
“It’s short and focused,
not too large, yet covers
a broad array of topics.
Has a personal feel.”
- President/CEO, Farmers Exchange Bank