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Renaissance Nashville Hotel, NashvilleFebruary 7 & 8, 2013
CreditConferenCe
2013
2012-2013 Credit Committee Chairman: Timothy E. Wilson, Executive Vice President, The Bank of Jackson, JacksonMichael L. Ayer, Chief Credit Officer, First Farmers and Merchants Bank, ColumbiaJohn W. (Bill) Beard, Executive Vice President/Chief Credit Officer,
Jefferson Federal Bank, Johnson CityScott Bagwell, Executive Vice President/Chief Lending Officer, Commerce Union Bank, SpringfieldJoel Beavers, Credit Administrator, First National Bank, Lenoir CityRobert Bradley, Executive Vice President/Senior Risk & Senior Credit Officer, Bank of Tennessee, Johnson CityJoe Carter, President, Citizens Bank of Lafayette, LafayetteKathryn Reed Edge, Member, Butler, Snow, O’Mara, Stevens & Cannada, PLLC, NashvillePhilip Fons, Chief Credit Officer, InsBank, NashvilleKirk Goehring, Senior Vice President/Chief Lending Officer, First South Bank, JacksonEmily B. Gray, Senior Vice President/Senior Credit Officer, The Hardin County Bank, SavannahCharles Hooks, Vice President, Credit Administration, Community Bank & Trust, Ashland CityBeverly L. Horner, CPA, Member, KraftCPAs PLLC, ColumbiaMonte Jones, Community President, Commercial Bank & Trust Co, JacksonJohn C. McDearman, III, Executive Vice President, Wilson Bank & Trust, LebanonRick Sample, City President, Home Banking Company, SavannahBrent Scott, CPA, CIA, Owner, Scott Consulting, PLLC, JacksonSteve Weaver, Regional Bank President, First State Bank, Collierville
Who Should Attend This program is designed for executive and senior management, commercial loan officers, and loan support personnel.
thAnk You to our SponSorS
Timothy E. Wilson
William Poole
Wynne E. Baker
AgendA Thursday, February 78:00 am Registration/Continental Breakfast - NCC Foyer - Level 2 Pocket Schedule Sponsored by First National Bankers’ Bank & First National Bankers’ Bank Capital Markets, Birmingham, AL
8:45 am Call to Order/Opening Remarks - NCC Ballroom 204-5 - Level 2 Timothy E. Wilson, Credit Committee Chair, and Executive Vice President, The Bank of Jackson, Jackson, TN
9:00 am Federal Fiscal and Monetary Policy–with a “Side” of Tennessee William Poole, Senior Fellow, Cato Institute, Washington, DC
There is huge uncertainty over the future course of both fiscal and mon-etary policy. On the fiscal side, the basic issue is the collision between politics and budget reality. We can be confident that reality will win the contest, but just how will be critical for the economic and financial environment. Above all, it is essential to understand the reality of Medi-care promises on the books today. These promises cannot be fulfilled in current form, because with an aging population, the economy will not be able to generate the required revenues under any tax system. Failure to turn toward a more market-based health care system portends ration-ing and a growing web of controls and regulations. On the monetary policy side, policy is adrift. The Federal Reserve has thrown its rudder overboard. Where the ship will sail is hard to predict.To a substantial extent, the economy of Tennessee will be swept along with the Federal tide. However, Tennessee, as with other states, does control many aspects of its state business climate. Long-term success will require that Tennessee monitor and adjust as necessary its competi-tive posture relative to other states. The task for Tennessee is not unlike that of a firm in a competitive industry. A firm must monitor its markets and the innovations of its competitors–Tennessee must do the same.
10:30 am Break - NCC Foyer - Level 2
10:45 am Current Issues in Credit ManagementWynne E. Baker, Member-in-Charge, Banking Industry Team, KraftCPAs PLLC, Nashville, TN
This session will include the latest developments in accounting for loans and allowances for loan and lease losses. Included in the discussion will be the impact of new Financial Accounting Standards Board pro-nouncements, BASEL III, the impact of changes in regulatory capital requirements, and new disclosures required for financial statements.
RNH = Renaissance Nashville Hotel NCC = Nashville Convention Center
Noon Lunch - RNH Ballroom
12:45 - Luncheon Speaker – RNH Ballroom 1:30 pm Changing Demographics and How This Affects Your Business, Today and Tomorrow Kelly McDonald, Owner, McDonald Marketing, Dallas, TX
The census numbers are in, and the findings are startling and profound. One in three Americans is not White. Four states have “minority major-ity” populations. Young people increasingly are opting not to get mar-ried. Asians have the highest household income of any race or ethnicity. Rural communities are losing population fast. Now, more than ever, it’s imperative that you understand the changing demographics all around you. How can you best serve your industry or your community if you don’t know what they look like today?The changes in demographics take many forms: racial, ethnic, gender, generational, sexual preference, linguistic, life-stage, and level of afflu-ence, to name a few. Diversity of thought helps companies stay leading-edge and proactive, as well. Learning about differences in values among different groups is the key to maximizing relationships, marketing ef-forts, and business opportunities. This presentation will focus on chang-ing demographics and how these changes affect your business today and tomorrow. You will learn:• The five biggest findings from the latest census and what they mean
for your business right now• Key market segmentations and the values associated with each to un-
derstand customers and prospective customers better• The differences between generational segments and how the varying
wants and needs of generations affect the service you provide• Specific strategies for developing effective business initiatives to ad-
dress new market segments.
1:45- Concurrent Workshops3:00 pm Workshop 1- RNH Fisk Room - Level 2 Competitively Pricing for Profitability John Barrickman, President, New Horizons Financial Group, LLC, Fernandina Beach, FL
This session will focus on the following ways to increase commercial loan volume and bank profitability without compromising loan pricing:• Focus on value-added pricing• Emphasize risk-based pricing • Grow the portfolio without compromising pricing• Use the credit process to facilitate competitive pricing• Add 30 basis points to the net interest margin with a pricing model
Kelly McDonald
John Barrickman
1:45- Concurrent Workshops 3:00 pm Workshop 2 - RNH Ryman Room - Level 3 Appraisal Management in the Current Regulatory Environment Julie Stackhouse, Senior Vice President for Banking Supervision, Credit, Community Development, and Learning Innovation, Federal Reserve Bank of St Louis, St Louis, MO and Carmen Holly, Supervisory Financial Analyst, Division of Banking Super vision and Regulation, Federal Reserve Board, Washington, DC
This session will include an update and overview of current issues and appraisal regulations. Hot topics likely will include*:• When and where to use existing appraisals and when to reappraise• Guidelines for using evaluations• How in-depth appraisal reviews should be• Appraisal independency• Is your appraisal policy complete?• Pending Dodd-Frank changes – what to expect*Topics are subject to change based upon continuing regulatory guidances
Workshop 3 - RNH Music City Ballroom - Level 2 CRE Portfolio Stress Testing for Community Banks – Regulatory Trends and Best Practices Peter L. Cherpack, Senior Vice President, Principal, and Director of Credit Technology Solutions Group, Ardmore Banking Advisors, Ardmore, PA
On the heels of the June 2012 Supervisory Insights FDIC article out-lining expectations for stress testing in community banks, the OCC released a guidance in October 2012 outlining how stress testing should be used by community banks to identify and quantify risk in loan portfolios and help establish effective strategic and capital plan-ning processes. These two recent regulatory publications, along with last year’s release of the OCC handbook on Credit Concentration, have caused many credit professionals to search for clarity around regulators’ expectations for compliance with stress testing require-ments for community banks. This session will include an in-depth analysis of the regulatory environment and scope, key themes, and potential impact of stress testing on your bank.
3:00 pm Break - RNH Foyer, Levels 2 & 3
Julie Stackhouse
Peter L. Cherpack
3:15 - Concurrent Workshops4:30 pm Repeat Workshop 1 - RNH Fisk Room - Level 2
Repeat Workshop 2 - RNH Ryman Room - Level 3
Workshop 4 (replaces Workshop 3) - RNH Music City Ballroom - Level 2 FASB’s Current Expected Credit Loss Impairment Model
Wynne E. Baker, Member-in-Charge, Banking Industry Team, KraftCPAs PLLC, Nashville, TN
The FASB has made a number of key decisions on an alter-native expected credit loss impairment model to address US stakeholders’ concerns about understanding, operating, and auditing the three-bucket credit impairment model under joint development with the IASB. This model will incorporate some of the key concepts that have been deliberated and agreed upon with the IASB; however, there are significant differences. Baker will compare the important differences between the FASB and IASB models, including how and when to acknowledge losses on bad loans.
5:00 - Reception - RNH Ballroom6:00 pm Sponsored by Financial Products and Services, Inc, Nashville, TN
Wynne E. Baker
Make plans to attend:legiSlAtive reCeptionWednesday, February 6 at 6:00 – 8:00 pm
Regions Center 315 Deaderick St, Nashville, TN 5th Floor - Executive Dining Room
Separate registration & fee requiredRegister online at www.TNBankers.org
For more information about this program, please contact:Penny Powlas • [email protected] Bankers Association211 Athens Way, Ste 100 • Nashville, TN 37228-1381615/244-4871 or 800/964-5525or visit www.TNBankers.org.
Friday, February 87:30 am Continental Breakfast - NCC Foyer - Level 2
8:30 am Call to Order - NCC Ballroom 204-5 - Level 2 Timothy E. Wilson, Credit Committee Chair, and Executive Vice President, The Bank of Jackson, Jackson, TN
8:45 am State and Federal Legislative Update Timothy L. Amos, TBA Senior Vice President and General Counsel, Nashville, TN
This presentation will highlight expected federal and state legislative and regulatory issues.
9:15 am Dodd-Frank and Community Bank Lending Cecelia A. Calaby, Senior Vice President, American Bankers Association, Washington, DC
This session will cover the most recent update on how Dodd-Frank will affect the way community banks do business and how they lend money. Discussion will include the implications of both mortgage regulations and the safe harbor exemptions, which rules are definite and which are still under comment period, and the likelihood these will be implemented as written. She also will address what com-munity banks can expect from oversight by their primary regulators regarding CFPB rules.
10:30 am Break - NCC Foyer - Level 2
10:45 am What to Expect at Your Next Exam: Top Five Issues Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, Nashville, TN
Learn the top five issues examiners are seeing in our current banking environment and how to address them. He also will provide sugges-tions for things to consider when preparing for your next exam . . . and possibly even a suggestion or two about what not to do!
11:45 am Conference Adjourns
Greg Gonzales
Cecelia A. Calaby
Timothy L. Amos
generAl informAtion Attire: Business casual attire is appropriate for all TBA programs. Because of tem-perature variations in meeting rooms, please bring a sweater or jacket for your comfort.
Program Availability: Due to hotel guarantees and material production, reservations received less than 5 days before the program will be subject to space and material availability.
Special Needs: If you have a disability that may affect your participation in this program, please send TBA a statement regarding any special needs at least 10 days before the program. We will contact you to discuss accommodations.
Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commitments with hotels, cancellations received less than 5 business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee.
Inclement Weather Policy: Cancellations due to inclement weather are refundable, minus a late cancellation fee of $50 for a one-day program and $75 for a two-day program. If you have questions concerning the status of a TBA program due to inclement weather, please call the TBA office at 615/244-4871 or 800/964-5525, x150. The TBA number will provide information concerning program status, cancellation fee, and refund requests. You may call the site where the program is being held to check the status of the program in your area. The site phone number is listed in this brochure.
AdditionAl informAtion Advanced Preparation: No advanced preparation is required for this programPrerequisites: Previous experience in the lending arena is helpfulProgram Level: Intermediate-to-advancedDelivery Method: Group-Live
Continuing eduCAtion Credit Attendants qualify for 9 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No advanced preparation required for this program. In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a
50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at 615/244-4871.Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org
For additional continuing education credit information, call the TBA education department at 800/964-5525 or 615/244-4871.
Register online at www.TNBankers.org
For more information, please contact:Susan Taylor, CMP – [email protected] President/Director of Professional DevelopmentTennessee Bankers Association, 615/244-4871 or 800/964-5525, or visit our website at www.TNBankers.org.
hotel informAtion The Renaissance Nashville Hotel, 611 Commerce Street, Nashville, is holding a block of rooms on a first-come, first-served basis at a special group rate of $179 single/double per night.
The deadline for making hotel reservations at the conference rate is Tuesday, January 15, 2013. When the allotted room block is sold, room rates will return to standard prices on a space-available basis, even if it is before the January 15 deadline.
To make reservations, contact the hotel directly at 615/255-8400 and use the following reference code: TBA Credit Conference to receive the special group rate.
regiStrAtion feeS
Fees include instructional materials, continental breakfast and refreshment breaks both days, and lunch and reception on Thursday.
Please register early. Day-of-program registrants will be assessed a $50 late registration fee. The team discount is not available to day-of-program registrants.
Participation in TBA programs is limited to members, associate members, and nonmem-bers from an eligible membership category at applicable member or nonmember rates.
No written confirmation of registration will be sent from the TBA.
Team Discount: A discount of $25 per person is available for multiple registrations from the same institution, after the initial registration. Only the first registrant from your institution pays the full fee. To be eligible for the team discount, you must register all your attendants at the same time.
Members / Associate Members Member / Associate Member Spouses
Nonmembers Nonmember Spouses
Early Registration $400 $50 $800 $100
Each Additional Person $375 $50 $775 $100
Early registration deadline is January 24.
Registration $430 $50 $830 $100
Each Additional Person $405 $50 $805 $100
Day-of-Program $480 $75 $880 $125
This year is a great time to educate your newer lenders or “refresh” long-time lenders by participating in one or more of the TBA’s three South-eastern Schools of Lending.
The Southeastern School of Advanced Commercial LendingSM
February 18-20, 2013 Discounted Tuition $1,025/Standard Tuition $1,225Discounted tuition deadline is January 31, 2013Brochure available December 2012Loews Vanderbilt Hotel, Nashville
The Southeastern School of Consumer CreditSM
March 3-8, 2013 Discounted Tuition $1,500/Standard Tuition $1,700Discounted tuition deadline is February 4, 2013Brochure available December 2012TBA Barrett Training Center, Nashville
The Southeastern School of Commercial LendingSM
May 19-24, 2013 Discounted Tuition $1,500/Standard Tuition $1,700Discounted tuition deadline is April 15, 2013Brochure available February 2013TBA Barrett Training Center, Nashville
These three schools make up the highly respected lending group of South-eastern Schools sponsored each year by the Tennessee Bankers Association in conjunction with the Alabama, Georgia, Louisiana, and Mississippi bankers associations.
Sponsored by: In cooperation with:
The SoutheasternSchoolS
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