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2012 GBA Annual Meeting

 

Breakout Sessions

 

Community Banking - Building an Independent Value Equation for the Future: Elaine Demarest, President, Demarest Strategy Group, Hilton Head, SC

It’s time for our independent community banks to realistically assess the current environment and forge ahead with a strategic plan that crafts the right risk-return trade-off for the years ahead. Despite predictions of doom by some, community banks with disciplined people, a clear and purposeful vision, and steady day-by-day execution can and will thrive to serve all stakeholders. It’s time to clear our minds for a fresh start and focus on the right things – as always. To earn and protect our independence in this changed banking world, we must craft a plan that produces a future value exceeding what might come from any ownership turnover options that may be available to us now. Can we do that? What actions and attributes can safely add future long-term value? We will hold a mini-planning session, touching on thoughts for each of the CAMELS factors, seek stronger regulatory standing and smart moves to work out of enforcement orders and discuss the importance of evolving our organizational foundation and risk infrastructure to fit the business plan. And most importantly, we will recharge our commitment to developing our human talent to drive the business model envisioned for a bright future. It can be done.

 

Trends in Executive and Director Compensation

Jim Foyt, CPA

EBS, A Bank Consulting Company, Birmingham, AL 

Richard L. Arenburg, Partner

Bryan Cave, LLP, Atlanta

Community banks recognize that rewarding, retaining and recruiting key employees and directors is vital for a bank’s long term success. Primary areas covered in this session include market data compensation trends, regulatory considerations as they relate to compensation, types of qualified and non-qualified benefit plans frequently utilized and emerging compensation techniques.

 

Fraud: Knowledge is the Best Defense

Steve Cross, Regional Security Manager

SunTrust Banks, Atlanta

Laura Mallozzi, Senior Investigator

Bank of America, Atlanta

Bank fraud costs banks and consumers billions of dollars every year. It erodes a bank’s bottom line and consumer trust. For some criminals it’s a way of life, and for others it’s a means to a short-term loan. Join Steve Cross as he reviews a variety of the most costly fraud trends from debit card skimming scams to the growing problem of income tax refund fraud. Steve will provide key tips about how to spot, prevent and prosecute fraud. He will have a “hands-on” display of actual card skimming devices recovered from Georgia bank ATMs. Finally, Laura Mallozzi will give a revealing presentation about how you can use social media, specifically Facebook, to indentify fraud, the suspects and their criminal networks.

 

The Merger and Acquisition Market Today

Walter G. Moeling, IV, Partner,

James J. McAlpin, Jr., Partner

Bryan Cave, LLP, Atlanta

Walt Moeling and Jim McAlpin will present a clear picture of how the merger and acquisition market is shaping up. Bryan Cave has researched the qualities of banks investment advisers and their clients are looking for as they seek opportunities. Their research and insight can help you and your bank think about your strategies for acquisitions or if your bank is seeking a partner. Some of their insight deals with dispelling some of the negative myths that are inhibiting our ability to go forward and the characteristics of successful banks (they bear striking similarities to the successful banks we have known for years), by combining humor, market data and insight into a common sense and accessible look forward.

 

CEO Checklist for Managing Compliance in the Dodd-Frank Era

Rebecca Frederick, JD, CIPP/US, CIPP/C 

Business Risk and Privacy Management

Deluxe Corp., Minneapolis, MN

Compliance is growing more complicated and more costly. Bank executives need a good understanding of all the new rules and regulations, and need help knowing how to best direct the bank’s overall Compliance program. What are the best ways to have a strong compliance program AND continue to profitably serve your community and customers? Rebecca Frederick will share her thoughts on that question and focus on other ideas to include:

  • Overall view of the variety of new/changing rules

  • Best management practices internally – managing day-to-day with a growing staff or an outside partner

  • Best management practices for meeting regulatory exam and reporting requirements

  • Best management practices for reporting for the board

  • How to manage the expectations of customers related to changes in communications, products, services and costs related to compliance

 

Increasing Recoveries on Land and Commercial Real Estate: Non-performing Notes and OREO

Michael Bull, President & Founder

Bull Realty, Inc., Atlanta

When loans secured by land and commercial properties become a problem, the proper steps can reduce risks, improve efficiencies and increase recoveries. There are a number of best practices to use at this point deep into the distressed real estate cycle. Michael Bull, an Atlanta-based, nationally known commercial real estate expert will share:

  • Steps to gauge the risks and opportunities related to the collateral to help make the best decisions when working out loans, selling notes and when taking steps to control and protect the value of the note and collateral.

  • Best practices related to forbearance agreements and short sales to increase recoveries and insure the process is working most effectively.

  • How to leverage the borrower to improve the value of the note and collateral.

  • Strategies to increase returns when selling notes.

  • Proper steps in the transition from lender to controlling the property to reduce risks and improve the value of the collateral.

  • Best practices when foreclosing related to existing tenants, leases, repairs, mitigating risks and protecting asset value.

  • The Top ten methods to increase the number of buyers and achieve the highest sales prices when liquidating land and commercial OREO.

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Asheville, NC

The Grove Park Inn

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