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“Strategic Alternatives for Banks Under $1 Billion in Assets”, presented at the 2012 Acquired or Be Acquired National Conference in Phoenix, several case studies of community banks that identified strategic growth opportunities—and succeeded in meeting key financial and non financial objectives—provide detailed insights into building a high performance bank capable of withstanding the onslaught of an unfavorable interest rate environment, uncertain economic conditions and escalating regulatory compliance costs. As the presentation conveys, using specific examples and explanations, selling is not an inevitable objective for banks that properly assess their organization’s strengths and vulnerabilities, identify essential and attainable strategic objectives and employ best practice processes to ensure optimal strategy execution.
“Evaluating the Board's Performance” In times of financial distress, bank directors face an avalanche of scrutiny
about their own performance from shareholders and regulators. One
way to address those concerns (or head off problems in the first place)
is to conduct an independent review of the effectiveness of the board and its
individual members. Armed with such an assessment, the board might be able
to address its own weaknesses, improve its effectiveness and handle problems
that have arisen. This article gives an overview of the board assessment
process: How it works, what it entails and what to expect.
“Strategies for Outpricing Your Competitors” With limited commercial loan growth opportunities on the near-term horizon, retaining your best commercial loan clients is more important than ever. This webinar will provide insight on how a successful implementation of a pricing model will allow you to test and compare the impact of competitors' rate offers against your internal loan rates and return on equity (ROE) goals. Also included will be valuable information on how to track officer profitability performance over time.
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“Managing Your Commercial Loan Portfolio Through Challenging Times” For most of the past three years, bank management teams and directors have maintained a laser-like focus on asset quality trends, ALLL methodologies, loan loss provisioning strategies and other key safety and soundness issues. As the economic pendulum swings toward the recovery phase, their focus is shifting back to loan portfolio growth strategies, measuring profitability and pricing existing and new client relationships.
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“Managing Regulatory Enforcement Actions”
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“Capital is no longer King...it is now King Kong!”, presented at a general session of the 2011 Acquired or Be Acquired Conference in January, 2011, the presentation provides insights into both tactical approaches and strategic challenges for meeting, as yet, undetermined capital requirement thresholds. Case study examples help to clarify ongoing planning options that enable bank executives and directors to validate whether their organizations are positioned to be successful acquirers, strategic partners or acquisition targets.
“Pricing Loans in Uncertain Economic and Regulatory Environments” This timely webinar will provide vital information enabling your management team to account for the impact of higher delinquencies, increasing provision expense levels and historically high commercial loan loss rates when it comes to pricing new loans or repricing existing relationships.
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“Capital Preservation 2010 - Essential steps to get you there...Essential steps to keep you there.” Halfway through 2010 and the message is clear: Regulators, investors and directors are demanding better oversight and restoration of high standards for asset quality, capital and other components critical to a strong and stable organization. Taking the essential steps today can lead to long-term viability in this permanently altered and rapidly evolving environment. We will share timely insights from a diverse client and regulatory relationship base.
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“Acquiring a Failed Bank” This webinar has been developed from a successful presentation at the Acquired or Be Acquired Annual Conference sponsored by Bank Director Magazine in January. Webinar participants will receive valuable information about targeting prospective bank failures, organizing your due diligence management team, understanding the financial impact on your bank in the event of a successful bid, dealing with the FDIC before and after a transaction, and post-closing reporting and documentation.
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“Acquisition Opportunities for Failed Bank Franchises and Assets”, presented at the 2010 Acquired or Be Acquired Conference in Scottsdale, Arizona, sponsored by Bank Director Magazine.
“Preparing for your next Regulatory Examination” This webinar provides valuable guidance and suggestions for preparing for your bank's next examination. Based on actual feedback from bankers and regulators, the presentation offers insights into developing your own strategies for stress testing loans AND liquidity. Stress testing results are then discussed in the context of designing profit improvement strategies, capital planning contingencies and risk management approaches. This fast-paced program is suitable for your entire management team and board of directors.
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“Surviving the Storm -Community Bank Success Strategies in a Restructured Industry” was presented during the 2009 Annual Convention of the Independent Bankers Association of New York State by Richard F. Maroney, Managing Director of Austin Associates. His presentation encompassed developing overall survival strategies for community banks in a more highly regulated and economically challenging environment. Also discussed were: preservation strategies—ensuring the retention of your franchise value. opportunistic strategies—how community banks can seize opportunities in a newly structured financial services industry; and disciplined strategies—managing your balance sheet and pricing services to be more competitive in the New World of Banking.
“How to Plan Strategically in Today’s New World of Banking” was presented during the Community Bankers Association of Ohio 2009 Annual Convention in Cleveland, Ohio. R. Hal Nichols, chairman of Austin Associates, discussed the conditions that compel community banks to consider alternative planning perspectives, strategies and emphases. He provides insightful analyses into new paradigms for community bank CEO’s and directors that may enable them to address dramatic shifts in bank earnings, asset quality, franchise values, risk management and regulatory oversight, among other pertinent topics. The presentation also includes specific strategies and planning checklist items to assist community banks with designing effective internal planning processes.
Will your risk management program pass the Casabalnca Test?, presented at the 2009 Bank Director Magazine Bank Audit Committee Conference
Community Banking: Unique Opportunities - Operating Insurance Subsidiary BOLI Holdings Assessment
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