Asset Liability Management


January 24, 2019 - Airport Embassy Suites, Miami, Florida
January 25, 2019 - Embassy Suites USF, Tampa, Florida

This group live event awards up to 6 CPE credits in business management and organization.

When we started down the path of active engagement with interest rates by the Federal Reserve, none of us had any idea how long this would last or what consequences would result from the FOMC Overnight and Quantitative Easing programs. What we did know was that interest rates would be impacted in a way that had never occurred before in this country. Although we all enjoyed the funds cost dynamic of the programs, we struggled with the asset yields that truly made it difficult to attain Net Interest Margin performance of the past.

On the positive side, we seem to have much more certainty these days about where the overnight target and prime rate will be headed and this does make planning easier; however, gap that has opened up between retail deposit and wholesale funding rates promises to create major problems for any bank having to depend on non-core funding in the future.

Another dynamic of the past ten years involves the shift in our balance sheets toward much longer asset maturities (or price resets) and our deposit base. With time deposits now representing just 13% of total deposits industry-wide – down from 31% at the end of 2006 – and loan portfolios filled with “commercial mini-perms”, interest rate risk in a rising rate environment also promises to be a challenge and for the first time in ten years, we face some significant funding and IRR risks. It seems a great moment for some serious discussions about the ALCO Process and this seminar has been designed to do just that. 

Who Should Attend
Directors, CEOs, CFOs, CROs, risk managers, model validators, and senior management.

If you have any concerns or complaints about this event please contact Pete Brokaw at pbrokaw@floridabankers.com or (850) 701-3515.

Registration Prior to 12/24/18
FBA Member: $345.00/person
Non-Member: $690.00/person

Registration After 12/24/18
FBA Member: $395.00/per person
Non-Member: $790.00/per person

Register for the Event Below

 

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Be sure to download the FBA mobile app which allows users to connect with attendees using in-app messaging, know what to wear/pack as well, as view presentation materials or agendas when attending (depending on event).

Program Schedule

8:30 – 9:00 a.m. - Registration

9:00 – 9:55 a.m. - Balance Sheet Strategy –The Big Picture for Community Banks and Q&A
Todd Patrick, SVP-Bank Correspondent Division, Centerstate Bank
Opportunities in the capital markets and developments in the financial landscape are driving key balance sheet decisions for banks. This session will provide insights regarding how banks can best position themselves to meet their earnings expectations for the remainder of 2018 and into 2019.

9:55 – 10:50 a.m. - Private Share Transactions: The Good, the Bad and The Ugly and Q&A
Pete Scully, President, Banclist.com
There are approximately five thousand privately-held community banks and bank holding companies in the U.S. today that continue to rely upon a registration exemption to legally offer, issue, sell or resell their shares.  This session will help you ensure your institution is staying compliant with applicable registration exemptions and discuss what liability you bear respecting registration non-compliance.

10:50 – 11:05 a.m. - Networking Break

11:05 – 12:00 p.m. - CECL - Relationship Between Credit & Finance and Q&A
Tim McPeak, Advisory Services Group, Sageworks
Even the prep work that financial institutions should be undertaking today in advance of CECL implementation requires collaboration between credit and finance staff. In this session, we will discuss how the two can work together to tackle CECL as efficiently as possible. 

12:00 – 12:45 p.m. - Lunch 

12:45 – 1:45 p.m. - Investment Strategy in a Rising Rate Environment & Q&A
Todd Patrick, SVP-Bank Correspondent Division, Centerstate Bank
It seems like a simple question but, in fact, is much more complicated than appears. Certainly, any bankers looking to stay very short has a very good handle on investing, but for those with thoughts of agency bonds and MBS, this is much more complex. Our session will focus on strategies for investing in these asset classes.

1:45 – 1:55 p.m. - Networking Break

1:55 – 2:50 p.m. - Creating Funding Stability During Uncertain Times and Q&A
Shawn O’Brien, President, QwickRate
Banks face so many challenges associated with developing and implementing funding strategies. Many variables, such as depositor options/behaviors and regulatory, economic and rate uncertainties, can complicate your bank’s funding strategies. Today’s dynamic funding environment is forcing banks to frequently assess surroundings from an economic, competitive and regulatory standpoint. In the face of these uncertainties, it is important to understand and seek stable funding sources as partners in order to navigate our increasingly complex industry.

2:50 – 3:45 p.m. - Measuring and Managing Liquidity and Q&A
Paul Allen, Shareholder, Saltmarsh Cleaveland & Gund
Effective liquidity management can result in increased income, greater control over funding costs and improved regulatory exams. Subjects discussed will include liquidity measurement and management approaches, strategies to improve liquidity, and overview of requirements for a comprehensive liquidity management process. 

3:45 p.m. - Adjourn

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