Maryland Bankers Association Events Newswire

Creating & Maintaining Credit Discipline 5/20/2013 2:30 PM - 5/20/2013 4:30 PM

Mon, 15 Apr 2013 18:56:12 GMT

Most problem loans involve some breach of discipline in principle, policy, procedure or judgment. This program provides an understanding of the critical components of strong and positive credit culture.

Lending and Discipline are synonyms! Most problem loans involve some breach of discipline in principle, policy, procedure or judgment.

This fast paced webinar has been created for credit managers, loan officers, credit analysts and loan administration personnel, regardless of level or experience, to provide an enhanced perspective or refreshed understanding of critical components of strong and positive credit culture. Questions and answers will be the order of the day. Encouraging the exchange of successful ideas is a key component of this program.

Highlights:
This new program will address the following key issues:

Why discipline is so needed and so important to successful lending leadership and practice;
Characteristics of strong and positive credit culture;
Role of sound, effective policy;
Importance of portfolio vision in achieving a discipline environment;
Specific actions and suggestions that can be implemented to improve your bank's credit culture;
Importance of measurement and objective performance evaluation - feeling right may not be enough confirmation of best practices; and
Discipline as a tool for loan growth.

Audience
Target audience for this fast-paced program includes credit managers, loan officers, credit analysts and loan administration personnel.

CE Applied: This program has not been pre-approved for ICB credit. Attendees may go to http://www.aba.com/icb/membercereview for instructions regarding self-reporting. Estimated credits: 2 hours CPB/CLBB

Speaker
Bob Ullom, a 40 year banker, banking educator, and CPA, was founding president of two fast-growing, high rated, start-up community banks. He brings years of personal experience plus exposure to the ideas and practices of thousands of bankers to this new program. His lively, dynamic and often humorous presentations on more than 30 lending, management and compliance related topics have been presented "live" in more than 35 states through state banker associations.

When a Deposit Customer Dies 5/21/2013 2:30 PM - 5/21/2013 4:30 PM

Mon, 15 Apr 2013 18:41:07 GMT

Your customer passed away yesterday and the family is grieving. Yet, in the midst of remembering and honoring a life, the legal and compliance clock is ticking. Join us for 15 issues you should consider before handling a deceased customer's accounts.

In most states, checks can be paid for 10 days after the date of death. When your deposit customer dies, many issues and questions arise. Who can have information on the account? Who owns the account? Who has access to the account? What happens with powers-of-attorney and authorized signers on an account? Can the spouse of the sole proprietor continue to access the account? What about that last tax refund check? Is the account still insured? Can a check be written to a funeral home? What about the checks coming in to pay funeral expenses? Learn about checks, IRAs, deposit ownership, trusts, UTMA, affidavits of heirship, and other complex issues that can occur when a customer dies. Join us for 15 issues you should consider before handling a deceased customer's accounts.

Highlights:

Probate versus non-probate transfers
When does the will govern and when does the signature card?
What by-passes a will? PODs, IRAs, JTWROS?
Living trusts and successor trustees
When do we know that a customer is deceased?
When can we use small estate affidavits?
What happens to powers-of-attorney, authorized signers, etc?
How are IRAs, HSAs, and UTMAs affected?
Do sole proprietorships cease at death?
FDIC insurance issues

Audience
CSRs, branch administration, branch managers, tellers, trainers, compliance and anyone who handles customer accounts.

Speaker
Deborah Crawford is President of gettechnical inc., a firm, specializing in the education of financial institutions nationwide. Her 27+ years of experience began at Hibernia National Bank in New Orleans. Debbie specializes in the area of deposit account laws, new account documentation, insurance, complex compliance regulations and IRAs.

Motivating & Managing the Teller Line 5/22/2013 2:30 PM - 5/22/2013 4:30 PM

Mon, 15 Apr 2013 18:09:43 GMT

Motivating & Managing the Teller Line, May 22

A Program for Head Tellers, Supervisors & Trainers

Want your tellers to balance, be accountable, on time and excel at sales? Sounds good doesn’t it. Session one focuses on performance management - the key to teller motivation and responsibility. You will learn how to work with the teller to create a performance plan that enhances what they do well and works on what needs improvement.

Traditionally, the supervisor’s role was to develop the plan for goals and objectives to be met. The employee had little input. The newest approach involves both the employee and supervisor. The employee develops the plan and sets goals and objectives. The supervisor acts as a coach, mentor and advisor. The employee must understand his/her position and responsibilities and how their goals and performance interact with the organization's expectations. It is the supervisor's job to help the employee understand that his/her goals need to be consistent with organizational goals. Once the goals are clear, the supervisor needs to let the employee develop the plan. The employee must be willing to take on this role while the supervisor must learn to empower the employee and provide guidance.

Highlights:

Accountabilities/Competencies

Areas of responsibilities
Skill sets and behavior expectations
Change as goals are met
Measuring accomplishments

Professional Development - Implementing Coaching Choices

Attain new skills
Use a proven, effective method to mentor and coach
Enhance employee effectiveness on the job
What to do when the plan doesn’t work

Audience
Head tellers, teller supervisors, HR officers & trainers.

Speaker
Honey Shelton, InterAction Training

Social Media's Place in Your Marketing Strategy: A Guide for Community Banks 5/24/2013 2:30 PM - 5/24/2013 4:30 PM

Mon, 15 Apr 2013 19:18:18 GMT

Often, social media channels like Facebook, blogging, and Twitter are talked about as if they exist in a vacuum. This session is designed to provide overall guidance for marketing, public relations, and advertising for financial institutions, including traditional and social media channels. The session will focus on tactical issues, including implementation, security, compliance, and management, and will provide appropriate insight into the integration with the bank's marketing, public relations, and advertising efforts.

Highlights:

Developing a social media strategy
Selecting from the wide variety of options
Proper use of social media for messaging and advertising
Proper oversight and controls
Monitoring and responding to feedback and criticism
Risk management considerations

Audience
Senior management, compliance officers, risk management officers, internal auditors, marketing, and HR.

Speaker
Trent Fleming, Trent Fleming Consulting

Regulation Z - The First Wave 5/24/2013 11:30 AM - 5/24/2013 1:30 PM

Mon, 15 Apr 2013 19:27:33 GMT

In January, the CFPB published over 3,500 pages of new regulations, including extensive modifications to Regulation Z. The first four requirements take effect June 1. This program explains the new prohibitions and rules and provides guidance on implementation.

During 10 days in January the Consumer Financial Protection Bureau published over 3,500 pages of new regulations, including very extensive modifications to Regulation Z (Truth in Lending). Now the first wave of those new Regulation Z rules are taking effect. On June 1, 2013 the first four requirements take effect. Those rules include:

A prohibition on mandatory arbitration clauses;
A prohibition on certain waivers;
A prohibition on financing credit insurance; and
New and revised requirements for escrows on higher-priced mortgage loans (HPML).

Highlights:

For the prohibition on mandatory arbitration:

Which transactions are subject to the prohibition against mandatory arbitration in §1026.36(h)(1);
When arbitration is allowed; and
What action is required to assure compliance;

For the prohibition on waivers:

Which transactions are subject to the prohibition against waivers in §1026.36(h)(2);
What waivers are prohibited and which are allowed; and
What action is required to assure compliance;

For the prohibition against financing credit insurance:

Which transactions are subject to the prohibition against financing credit insurance in §1026.36(i)(1);
What types of insurance are included in or excluded from the definition of "credit insurance;"
What is permitted or not permitted as far as "financing directly or indirectly;" and
What action is required to assure compliance;

For the new and revised requirements for escrows on higher-priced mortgage loans:

The new definition of a higher-priced mortgage loan;
The revised exemption from escrowing for insurance when the property is covered by a master insurance policy;
The new exemption from escrowing for any HPML if the institution extends more than 50% of its total covered loans in rural or underserved areas and meets several other conditions;
Revised conditions under which an escrow can be cancelled; and
What action is required to assure compliance

Why Participate?
This program explains the new prohibitions and rules that are effective June 1 and provides detailed guidance on how to develop a compliance management system to implement them. Participants receive a detailed manual that serves as a handbook after the program is over.

Audience
Loan originators, loan officers, lending assistants, compliance officers and auditors.

Speaker
Jack Holzknecht, CRCM, Pegasus Educational Services, LLC

Robbery Prevention, Response & Aftermath 5/28/2013 2:30 PM - 5/28/2013 4:30 PM

Mon, 15 Apr 2013 18:29:22 GMT

Don’t be at the mercy of events! Effective robbery response training can save lives. Attend this program & teach all your staff effective robbery prevention & response techniques.

Robbery is one of the most feared crimes. Period. Every bank must provide initial and continuing training for ALL employees. This is required by all of the state and federal regulatory agencies. Most banks train employees to respond to one or two types of robberies. There are actually several - each with its own characteristics and suggested responses. Knowing what to do during and after a robbery is just as important as knowing what to do before it happens. This two-part seminar will help your bank develop strategies that make you more aware of your surroundings and options. It also reveals flaws in your response and training tactics. It will help you:

Meet annual training requirements
Educate everyone about effective robbery response techniques
Determine if your current training program, policies and procedures are appropriate and effective
Identify employees that should receive different levels of training

You will receive the original workbook texts in Word and companion PowerPoint slides that you may adapt to your institution's training needs.

Part One will help you design and implement a standardized, institution-wide robbery prevention and response program. Highlights include:

Determining vulnerabilities - conducting a Robbery Risk Assessment
Security Program Robbery Requirements
Developing a Robbery Prevention Checklist
Creating an effective training program
Identifying policies and procedures that should be retained, modified or eliminated
Media Relations
Gaining support from directors, managers & staff
Tools to protect the institution and trainer in the event of legal action

Audience
Managers may have to make critical decisions that staff are either unprepared or unauthorized to make. This session is designed for Security Officers, Directors, Auditors, HR Managers, Trainers, Compliance Officers, and Facilities Managers.

Speaker
Dana Turner, Security Education Systems

The Polished & Professional Teller 5/29/2013 2:30 PM - 5/29/2013 4:30 PM

Mon, 15 Apr 2013 18:22:19 GMT

The Polished & Professional Teller, May 29

A Program for Your Entire Frontline

This session is for all the tellers who want to attain and maintain EXCELLENCE!

Highlights:

Looking the part - following dress code and making smart, professional choices in how you look and what you say!
Doing your part - branching demands teamwork and initiative, working together, getting it done!
Recognizing your value - tellers need to hear how important they are to the bank, to the customer and what a critical role they play.
Excelling at referrals and cross-selling - in banking today it's about the relationship, growing it and taking care of it! Recognizing opportunities, knowing what to do and what to say will help tellers grow referrals and sell appropriately.
WOW those customers! - Who's in the very best position to do just that …a well-trained, friendly, approachable teller!
Know the rules, follow the rules - adhering to procedures saves time, money and protects the teller's reputation.
Balancing - knowing what to do and what not to do is how high performing tellers consistently balance.
Loss prevention - well-informed tellers know what to look for to reduce the risk including fraudulent lotto winnings, counterfeits, scam artists, fake IDs and more.
Keep auditors and regulators happy - pay attention and show respect when it comes to compliance.
High alert for bank robbery - all tellers need to be reminded of the steps to take in the event of a robbery.

Audience
Head tellers, teller supervisors, HR officers, trainers and your entire frontline.

Speaker
Honey Shelton, InterAction Training

When a Safe Deposit Customer Dies 5/30/2013 2:30 PM - 5/30/2013 4:30 PM

Mon, 15 Apr 2013 19:00:16 GMT

Your customer passed away yesterday and the family is grieving. Yet, in the midst of remembering and honoring a life, many questions arise. Join us to learn the basic steps to follow when granting access to a safe deposit box of a deceased renter.

After the death of a safe deposit renter, the bank must use care to insure that proper procedures are followed and the appropriate person is the only one granted access to the box. Because laws vary in each state it is sometimes difficult to determine what needs to be done to obtain access. You must be familiar with your state laws and follow them when granting access to a decedents safe deposit box. Many questions arise as to who may have access, when may they have access, what items may be removed from a box, how does joint ownership affect the box?

Join us to learn the basic steps to follow when granting access to a safe deposit box of a deceased renter.

Highlights:

How is the box titled?
What is the date of death?
What is the state and county of residence?
Is there a will?
Probate or no probate?
Who is qualified to have access?
What documents are needed to grant access?

Audience
This informative session is designed for safe deposit attendants, vault attendants, customer service employees, branch managers, supervisors, tellers, compliance and training representatives. Join us for a learning experience.

Speaker
Joyce McLin was Executive Director of American Safe Deposit for 22 years. She is now a safe deposit consultant working with banking associations and financial institutions across the country. Joyce has15 years experience as a bank training director, security officer, marketing specialist, HR director and safe deposit manager. Thirty six (36) years of experience with safe deposit contributes to McLin being called the EXPERT in safe deposit. She has contributed many articles and interviews regarding safe deposit policies, procedures and security.

Robbery Training for All Staff 6/3/2013 2:30 PM - 6/3/2013 4:30 PM

Mon, 15 Apr 2013 18:35:23 GMT

Don’t be at the mercy of events! Effective robbery response training can save lives. Attend this program & teach all your staff effective robbery prevention & response techniques.

Meet annual training requirements
Educate everyone about effective robbery response techniques
Determine if your current training program, policies and procedures are appropriate and effective
Identify employees that should receive different levels of training

You will receive the original workbook texts in Word and companion PowerPoint slides that you may adapt to your institution's training needs.

Part Two provides essential robbery prevention, response and aftermath training for all personnel. Highlights include:

Using your best customer service skills to "help" the robber commit the robbery
Remember the information delivered during the institution's "annual robbery training event"
Why robbers prefer having your employees become "allies" instead of "obstacles"
The robbery "dance" training exercise everyone can relate to, and how to teach it to others
Describing a suspect accurately for responding law enforcement

Audience
All Staff

Speaker
Dana Turner, Security Education Systems

Call Report Preparation Part 1 Operational Schedules 6/4/2013 2:30 PM - 6/4/2013 4:30 PM

Mon, 13 May 2013 14:43:55 GMT

Part 1 - Operational Schedules

Begin Call Report training with the less complex Operational Schedules that are prepared using information from the bank's General Ledger.

RC: Balance Sheet
RC-A: Cash and Due from Banks
RC-E: Deposits
RC-F: Other Assets
RC-G: Other Liabilities
RC-K: Quarterly Averages
RI: Income Statement

Why Attend?
Often Call Report preparers are overwhelmed by the scope of material presented in a full day seminar. This series offers new and experienced preparers an opportunity to focus on specific areas of the report.

Audience
This is an excellent way to train new preparers and a good review for the experienced.

Speaker
Judith Jenkins is a banker teaching bankers. She has taught thousands of bankers and continues to be a resource for them. Her broad banking background allows her to communicate with bankers in their language and to understand their problems in preparing the Call Report. She was the controller of a $300 million Houston bank before forming her own consulting firm, providing internal accounting services to independent banks.

When a Loan Customer Dies 6/7/2013 2:30 PM - 6/7/2013 4:30 PM

Mon, 13 May 2013 15:41:48 GMT

Your customer passed away yesterday and the family is grieving. Yet, in the midst of remembering and honoring a life, many questions arise. Join us for 15 issues you should consider before handling a deceased loan customer's accounts.

As lenders, we work hard to make good underwriting decisions. In addition to analyzing a consumer's income or business cash flow, it's common to take a security interest in collateral. Collateral runs the gamut of cars, personal residence, stocks, commercial real estate, equipment, accounts receivable, and inventory. One risk factor that's difficult to predict is death. If the death involves a sole proprietor, partner or key officer, high balance loans could be outstanding, and you wonder if the payments will continue. We'd like to be sensitive to the family or help the remaining business owner, but the compliance clock doesn't stop ticking. Many issues and questions arise. Join us for 15 issues you should consider before handling a deceased customer's loan accounts, and learn additional tips to protect your bank when making a loan.

Highlights:

Is the "death" of a customer a triggering event for default?
How should lenders handle questions about the estate?
What information can be shared? Who is entitled to the information?
What documents or information does a financial institution need before releasing the information?
Is there standard language that your loan agreements should have regarding the death of a borrower?
If the borrower was a service member on active duty, what protections must be extended to the surviving family members?
How should notices to co-borrowers, guarantors and co-signers be given?
What is the effect on the foreclosure process?
Are Home Equity Lines of Credit impacted?
How can a financial institution protect its collateral?
How does the financial institution handle issues of guarantors, setoff and insurance when the borrower has died?
What do the banking regulations and exam guidelines say?
How does the death of a key person affect the extensions of credit to Corporations, Partnerships, LLCs, Trusts and other legal entities?
When should "Key Man" insurance be required? What are the pros and cons of credit life insurance?

Audience
CSRs, branch managers, lenders, loan operations, credit administration, compliance, legal staff and anyone who handles loan accounts.

Speaker
Susan Costonis is a compliance consultant and trainer who is affiliated with gettechnical inc. She specializes in compliance management along with deposit and lending regulatory training. Most of her 34-year career was spent as a banker in several areas including lending, marketing, electronic banking, compliance, and senior management.

AIB General Accounting - #3008060 6/10/2013 - 9/29/2013

Fri, 15 Jun 2012 14:47:55 GMT

Course Length: 16 weeks

Course Description:

General Accounting provides a complete foundation in basic accounting procedures. This course presents the fundamentals of accounting in a practical, up-to-date, and easy-to-comprehend manner. The goal is to provide students with a strong basic knowledge of accounting terms, concepts, and procedures. Emphasis is placed on developing a firm foundation of fundamental procedures with appropriate repetition of content through the use of examples and color-coded illustrations.

Audience:

Bank personnel with little or no accounting background at any level and individuals needing a preparatory course for Financial Accounting.

Learning Objectives:

After successfully completing this program, you will be able to:

Understand the basic accounting cycle for a sole proprietor with a service or merchandising business and define the basic elements used, such as asset, liability, owner's equity, revenue, and expense accounts
List the steps in the accounting cycle; prepare regular, adjusting and closing entries, a post-closing trial balance, and interim statements
Understand and perform functions relative to bank accounts and cash funds
Understand the implications of dealing with employee earnings and deductions, and with employee/employer taxes, payments, and reports
Prepare a classified income statement and balance sheet, and compute working capital and current ratio

Price: $505

AIB Principles of Banking - #3008063 6/10/2013 - 9/29/2013

Fri, 15 Jun 2012 18:36:50 GMT

Course Length: 16 weeks

Course Description:

Long recognized as the standard introduction to the banking industry, Principles of Banking touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry.

Audience:

Personnel new to banking at all levels.

Learning Objectives:

After successfully completing this program, you will be able to:

Discuss the relationships banks have with their customers and their communities and describe the traditional, non-traditional, and electronic services that banks provide

Explain the evolution of commercial banking in the United States and the federal legislation that shaped its development

Describe the creation of the Federal Reserve System and the Fed's role as the agent of monetary policy and as a bank regulator

Discuss various deposit instruments, the many ways customers can make deposits, and the means tellers have for establishing a customer's identity

Define negotiable instruments as they relate to checks and describe the features that make a check negotiable

Distinguish between paying a check and cashing a check and explain the procedures for paying checks received through the check clearing system, including relevant regulations and consequences of wrongful dishonor

Explain the process a bank must go through to post a check to an account and discuss controls and security measures that protect the bank and tellers from losses due to fraud

Discuss the legal restrictions on bank loans, describe the role of the bank's board of directors in establishing and overseeing lending policy, and identify basic loan categories

Explain the objectives of funds management, including asset and liability management, and the objectives of bank investments

Recognize the importance of accurate accounting data and describe the categories on the balance sheet and income statement

Discuss the components of the marketing concept and how understanding customers and market research lead to the success of marketing efforts

Explain specialized services offered by banks, including trusts, safe deposit services, and global banking services, and newly expanded brokerage and insurance services authorized by the Gramm-Leach-Bliley Act

Describe how electronic funds transfers systems and bank cards facilitate purchases, discuss home banking options for consumers and cash management options for businesses, and explain some of the systems developed to provide security and prevent loss

Price: $450

Call Report Preparation Part 2 Lending Schedules 6/11/2013 2:30 PM - 6/11/2013 4:30 PM

Mon, 13 May 2013 14:49:13 GMT

Part 2 - Lending Schedules

Reporting of loan and credit information is important and difficult. Frequently, loan accounting personnel do not receive training. This is a re-broadcast of our 2/26/13 webinar. Highlights include:

RC-C: Loan Classification Priority

RC-K: Quarterly Averages

RC-L: Commitments

RC-N: Past Due & Nonaccrual

RI: Loan Interest & Fees

RI-B: Charge Offs & Recoveries

Why Attend?
Often Call Report preparers are overwhelmed by the scope of material presented in a full day seminar. This series offers new and experienced preparers an opportunity to focus on specific areas of the report.

Audience
All loan accounting staff. They code loans and, therefore, determine Call Report loan system reporting.

CE Applied: This program has not been pre-approved for ICB credit. Attendees may go to http://www.aba.com/icb/membercereview for instructions regarding self-reporting. Estimated credits: 2 hours CRCM/CLBB

Speaker
Judith Jenkins is a banker teaching bankers. She has taught thousands of bankers and continues to be a resource for them. Her broad banking background allows her to communicate with bankers in their language and to understand their problems in preparing the Call Report. She was the controller of a $300 million Houston bank before forming her own consulting firm, providing internal accounting services to independent banks.

Call Report Preparation Part 3 Call Report Revisions & Update 6/14/2013 2:30 PM - 6/14/2013 4:30 PM

Mon, 13 May 2013 14:52:35 GMT

Part 3 - Call Report Revisions & Update

Significant changes were effective in 2012 and will be effective in 2013. This program provides a review of recent revisions, accounting changes and regulatory guidance. This is a re-broadcast of our 3/8/13 webinar. Highlights include:

2013 Revisions - including just proposed revisions that affect most banks

RI-C Disaggregated Data on Allowance for Loan Losses

RC-E Deposits

Deposit accounts intended for consumer use: Yes or No. All Banks

If Yes: Breakdown of Service Charges on Deposits, RI 5.b. All Banks

If Yes: Breakdown of consumer transaction and nontransaction accounts: Banks $1 billion and more

Reporting consumer international remittance transfers by number and transfer system

Reporting institution trade names: RC-M 8

Supplemental Instructions changes

2012 Revisions

Goodwill Impairment Testing: AUS 2011-08

Troubled Debt Restructurings: ASU 2011-02

Why Attend?
Often Call Report preparers are overwhelmed by the scope of material presented in a full day seminar. This series offers new and experienced preparers an opportunity to focus on specific areas of the report.

Audience
All preparers, reviewers and auditors.

CE Applied: This program has not been pre-approved for ICB credit. Attendees may go to http://www.aba.com/icb/membercereview for instructions regarding self-reporting. Estimated credits: 2 hours CRCM/CLBB

Speaker
Judith Jenkins is a banker teaching bankers. She has taught thousands of bankers and continues to be a resource for them. Her broad banking background allows her to communicate with bankers in their language and to understand their problems in preparing the Call Report. She was the controller of a $300 million Houston bank before forming her own consulting firm, providing internal accounting services to independent banks.

AIB Introduction to Agricultural Lending - #3008064 6/17/2013 - 8/11/2013

Fri, 15 Jun 2012 15:38:34 GMT

Course Length: 8 weeks

Course Description:

Designed for individuals who are new to Ag Lending or who have limited experience, Introduction to Ag Lending will provide participants with the basic skills needed to begin to undertake credit analysis, loan structuring, monitoring, and provide guidance on dealing with problem loans.This course was developed in conjunction with the Schools of Banking, Inc., a jointly-owned subsidiary of the Kansasand Nebraska Bankers Associations.

Audience: Those new to agricultural lending or with limited experience.

Course Objectives:

After successfully completing this program, you will be able to:

Describe the size and scope of U.S. agriculture and the characteristics of the four main classifications of farm size

Describe the purpose of the Farm Financial Standards Council (FFSC) and the impact of the FFSC recommendations on agricultural lending

Recognize and identify the key financial statements as recommended by the FFSC

Define the classification of assets and liabilities for two category and three category balance sheets

Calculate deferred taxes and the impact of such taxes on agriculture financial analysis and lender decisions

Understand the differences between cash and accrual income statements

Have a working knowledge of accrual income statements and their impact on proper financial analysis and lender decision making

Understand the statement of owner equity

Understand the role of cash flow analysis in an agriculture operation and in making lending decisions

Have a working knowledge of the “Sweet Sixteen” ratios, specifically: Repayment, Liquidity and Solvency Analysis

Describe the importance and purpose of a loan policy in your bank.

Price: $395

Call Report Preparation Part 4 Risk-Based Capital 6/19/2013 2:30 PM - 6/19/2013 4:30 PM

Mon, 13 May 2013 14:56:19 GMT

Part 4 - Risk-Based Capital

Accurate determination of the bank's risk based capital ratio is increasingly important to management. Call Report preparers often find preparation of Schedule RC-R difficult: instructions are hard to find and understand. This session provides minimum risk weights for assets and off-balance sheet items, instructions for RC-R items, and factors that affect risk based capital ratios. Instructions are given in bankers' language. Discussion includes:

Risk Based Capital Ratios

Tier 1 and Tier 2 capital

Average assets

Risk weights for off-balance sheet items

Risk weights for assets

Commitments

Proposed risk weight changes

Why Attend?
Often Call Report preparers are overwhelmed by the scope of material presented in a full day seminar. This series offers new and experienced preparers an opportunity to focus on specific areas of the report.

Audience
All preparers, reviewers and auditors.

CE Applied: This program has not been pre-approved for ICB credit. Attendees may go to http://www.aba.com/icb/membercereview for instructions regarding self-reporting. Estimated credits: 2 hours CRCM/CLBB

Speaker
Judith Jenkins is a banker teaching bankers. She has taught thousands of bankers and continues to be a resource for them. Her broad banking background allows her to communicate with bankers in their language and to understand their problems in preparing the Call Report. She was the controller of a $300 million Houston bank before forming her own consulting firm, providing internal accounting services to independent banks.

CPWBF - Leverage Your DiSC Style for Personal and Professional Success 6/19/2013 8:30 AM - 6/20/2013 4:00 PM

Fri, 03 May 2013 12:43:41 GMT

Council of Professional Women in Banking and Finance (CPWBF)
Leverage Your DiSC Style for Personal and Professional Development

This event is exclusively for the attendees of the Council of Professional Women in Banking and Finance Inaugural Annual Conference that was held on Thursday, May 2, 2013.

Session registration is first come first served. All sessions will be held at the Federal Reserve Bank - Baltimore Branch at 502 South Sharp Street, Baltimore, MD.

Wednesday, June 19, 2013 - 8:30 - 11:30 a.m. (Continental Breakfast)

Wednesday, June 19, 3013 - 1:00 - 4:00 p.m. (Lunch Provided)

Thursday, June 20, 2013 - 8:30 - 11:30 a.m. (Continental Breakfast)

Thursday, June 20, 3013 - 1:00 - 4:00 p.m. (Lunch Provided)

The registration deadline is May 31, 2013.

Important Security Reminder: Due to security at the Federal Reserve Bank, attendees must bring a picture ID, such as a drivers license, for entrance into the building, and allow additional time to get through security.

Please see the Registration Form or contact MBA's Cindy Gentilcore for additional information.

AIB Analyzing Bank Performance - #3008074 7/2/2013 - 8/18/2013

Fri, 15 Jun 2012 18:02:02 GMT

Course Length: 7 weeks

Course Description:

Analyzing Bank Performance provides participants with all of the tools needed to analyze their bank's financial performance. During this class, participants will analyze their own bank's performance.

Audience:

This course is designed for junior-level bank officers all the way up through CEOs who need to analyze their bank's performance.

Learning Objectives:

After successfully completing this program, you will be able to:

Identify the key balance sheet and income items for a bank

Use the Uniform Bank Performance Report to analyze their bank's performance over time and compare that with other banks

Identify the major factors affecting bank performance

Analyze the profitability of various lines of business within the bank using a variety of measures

Utilize the concepts of economic value added and the balanced scorecard in assessing their bank's performance

Identify the key drivers on non-interest income and non-interest expense and various strategies for managing them

Evaluate customer profitability within the bank

Price: $795

AIB Introduction to Trust Products and Services - #3008075 7/2/2013 - 8/4/2013

Mon, 13 Aug 2012 16:15:40 GMT

Course Length: 5 weeks

Course Description:

Introduction to Trust Products and Services is a foundational, skill building course for trust professionals. It will help new trust professionals understand the fundamentals of the business, how a trust works, the types of assets commonly held in a trust and the basics of estate planning. The course describes the personal trust document and the process by which trust officers establish a trust for their clients.

Audience:

Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

Learning Objectives:

After successfully completing this program, you will be able to:

Determine what an estate is

Understand the estate planning process

Explain federal estate taxation

Distinguish between personal and real property

Compare forms of property ownership

List the methods of property transfer

Contrast the forms of business ownership

Distinguish types of trusts

Compare testamentary and living trusts

Describe the characteristics of a good trustee

Describe the reasons for creating an irrevocable trust

Explain the structure of an A/B trust plan

Recognize the mechanics of an irrevocable life insurance trust

Contrast the various types of charitable trusts

Describe the dispositive provisions of a trust before and after the grantor's demise

Analyze trustee vacancy and cotrustee considerations

Understand the execution of a trust and proof of a trust's existence

Define and use the terms that appear in bold in the text

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