2020 Safety and Soundness Workshop

8:30 – 9:00 a.m. – Registration, Coffee and Pastries

9:00 – 9:45 a.m. – Capital Adequacy Discussion
Karl Nelson, Founder & CEO, KPN Consulting, Roswell, GA
We see an interesting discussion around Capital in our future and nothing holds as much opportunity or difficulty than the question of “How much Capital is Enough?”. This presentation will address some of the key criteria for establishing the “right” amount of Capital and discuss how we see regulators managing this issue going forward.

9:55 – 10:40 a.m. – Asset Quality Discussion
Karl Nelson, Founder & CEO, KPN Consulting, Roswell, GA
There are good reasons for our regulators’ concerns over real estate lending and this presentation will highlight the issues of higher risk loans seen through the lens of charge-off experience during the crisis. We will also focus on loan portfolio stress testing and why this will become the new normal.

10:50 – 11:35 a.m. – Management Discussion
Michael Carpenter, Risk Solutions Architect, Ncontracts, Brentwood, TN
We see our regulators spending more time on this rating in the future as they continue looking for sound practices around such issues as the strategic planning process, enhanced risk management concepts, and making certain our Boards of Directors oversee the Risk Profile of our organizations in the future.

11:35– 12:15 p.m. – Morning Panel Discussion
The panel of senior representatives from the OCC, FDIC, Federal Reserve Bank, and the State Banking Department will share their views with our participants on the three morning sessions.

12:20 – 1:05 p.m. – Lunch

1:10 – 1:55 p.m. – Earnings Discussion
Michael Carpenter, Risk Solutions Architect, Ncontracts, Brentwood, TN
With earnings for the industry back on track, we look to what could be a problem should the expected rise in longer term rates finally take place. The investment portfolio along with fixed rates loans in that portfolio could spell trouble for our bankers and this presentation will focus on how we approach this subject in 2019.

2:05 – 2:50 p.m. – Liquidity & Funds Discussion
Danny Capitel, Regional Director, Promontory Interfinancial Network, Atlanta, GA
The focus of this session is on how we measure liquidity risk and what kind of policies and procedures are needed in order to maintain a sound “L” grade. This presentation and response is particularly important to bankers as we wrestle with the shortcomings of a short funding concept coupled with a need to take on longer-term assets for profitability. What is the best core/wholesale funding concept for our industry and how do our examiners see this issue?

3:00 – 3:45 p.m. – Sensitivity Discussion
Al Forrester, Co-Founder & CEO, FICast Data LLC, Woodstock, GA
Though this issue has been on the radar for over fifteen years, our regulators are as concerned with this topic as any other as we enter 2019. Understanding your own IRR model and making certain that your Board is involved with this issue is a major issue facing our industry in the future. This presentation will focus on how modeling works with an emphasis on Economic Value of Equity as the key concern for 2019. We will examine the difference between planning and risk with an eye toward how stress testing has become the central issue in this rating.

3:45 – 4:15 p.m. – Afternoon Panel Discussion
The panel of senior representatives from the OCC, FDIC, Federal Reserve Bank, and the State Banking Department will share their views with our participants on the three afternoon sessions.

4:15 p.m. – Workshop Adjourns