Western Independent Banker - July/August 2008 - (Page 31)

both the expected and unexpected M&A activity. Presented prior to the Annual Bank Directors Conference. COMMERCIAL LENDERS INSTITUTE Build your lending team! The institute is a comprehensive approach to advanced credit training for independent banks. It offers a unique blended delivery system where critical concepts are explored using real case studies. It requires minimal time away from the bank and at a lower cost than marketplace competitors. Credit 101: Fundamental & Intermediate Commercial Credit Analysis Starts October 14 – Pleasanton Do you need a Certified Commercial Credit Analyst? Then this is the class for your employee. Relatively new professionals in a credit department or commercial lending are the target audience. This 3-4 month program includes two classroom sessions, six online courses and eight webinars. Liquidity Management: A Proﬁtability Enhancing Workshop December 4 – San Francisco 2008 has clearly been a challenge for the industry. Falling interest rates have been particularly difficult on our net interest margins as we struggle to reduce our cost of funding in line with asset yields. Our panel of experts will be discussing how the use of more aggressive liquidity concepts coupled with wholesale funding techniques have helped overcome some of this margin squeeze. Understanding what the FDIC guidance on Liquidity and Funds Management is particularly relevant as we head into 2009 and getting ahead of the curve on your “Contingency Funding Plan” is one of the key topics for this workshop. What’s your document management objectives? We can help you achieve them! Proﬁtability of Hawaii, a leading provider of imaging & ﬁnancial software, virtual printing & digital conversion services can help you meet your goals. Backed by 30+ years of experience, POH provides customers with innovative and ﬂexible solutions for check processing and document handling for both inhouse and service bureau environments. POH offers integrated solutions for Check 21, check image exchange, IRD and image statement printing including eStatement, check imaging, remote capture, storage, display & research, image statements, web presentment, items processing, and returns processing. PHONECASTS OpenXChange Phonecasts August 7 & November 13 Join us for a roundtable discussion on key technology issues. Offered by Western Independent Bankers, and led by RLR Management Consulting, OpenXChange allows those who are responsible for the use and implementation of technology within their bank, to participate in a relaxed and open discussion with their peers. Our solutions help ﬁnancial institutions meet their ﬁnancial & customer service goals. 14739 Catalina Street • San Leandro, California 94577 • 510-357-1400 • Fax: 510-357-1490 382511_Profitability.indd 1 5/9/08 8:55:10 AM WEBINARS Directors & BSA/AML July 8 Informational Overview of the Commercial Lenders Institute July 16 – Complimentary De Novo: Technology August 12 Hot Topics: Technology August 26 Directors & Regulatory Hot Spots September 9 Directors & Executive Compensation September 23 Hot Topics: Regulatory Updates December 8 Western Independent Banker July/August 2008 371184_Audit.indd 1 31 3/3/08 11:41:58 AM http://www.poh.com http://www.audit-one.com

Table of Contents Feed for the Digital Edition of Western Independent Banker - July/August 2008

Western Independent Banker - July/August 2008 Contents A Message from the President & CEO Getting Creative and Competitive with Leaders' Incentive Compensation Financial Covenants - What Good Are They Really? Homes Within Reach Revisiting Credit Quality and Risk Management Loan Yield Shock Wave - What Can You Do? What Lending Crisis? - Community Banks Flex with Lending Strength How to Fine-Tune ALLL During Uncertain Times Productivity, Technology and Export Growth Trump Housing's Fall in the Long Run - The Economy According to Brian Wesbury Distressed Real Estate Loans and Their Property Tax "Kicker" WIB Calendar Welcome New Members Index to Advertisers advertiser.com

Western Independent Banker - July/August 2008

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