Welcome
Jack Milligan, Associate Publisher, Bank Director magazine

Challenges and Opportunities in a Changing Market
Raymond E. Chandonnet, Principal, Sandler O’Neill + Partners L.P.
Fred D. Price Sr. Managing Principal, Sandler O’Neill + Partners L.P.
Donald E. White, Managing Director, Sandler O’Neill + Partners L.P.

The steepening yield curve and deteriorating credit environment will present bank CEOs and boards of directors with significant challenges–and opportunities–over the next 12 months. Declining loan quality is likely to ripple through the broader economy, and each institution needs to develop a plan to address both current and various projected credit quality scenarios. Recent changes in the yield curve also require that management and the board reassess their institution's interest rate risk. This session will look at these issues and also focus on capital planning, including the impact of stock buybacks and dividend payouts, and current trends in market valuations.

Panning for Gold: How to Expand Your Core Deposits
Alan Friesen, President and CEO, Haberfeld Associates
L. Jackson McConnell Jr., Chairman, President and CEO, Pinnacle Financial Corporation

The U.S. banking industry has entered into one of the most challenging environments for deposit generation in years. As the growth in non-interest bearing deposits has leveled off, banks have been forced to look to more expensive forms of funding, which places pressure on net interest margin. This session will examine a variety of strategies to maximize low cost core funding and protect your bank’s profitability.

Learn how senior management teams at two commercial banks are approaching the current environment from the perspective of balance sheet management. In this highly instructive session, they will share their strategies for managing credit quality, finding quality loan growth, and growing their institutions’ deposit base.

Closing Remarks
TK Kerstetter, President and CEO, Board Member Inc. / Bank Director magazine