Past Event

120th Annual Convention of Bank Officers and Directors

The annual annual joint convention and bank counsel seminar was held at the Hyatt Regency Huntington Beach. More than 300 attendees from across the state congregated to participate in sessions and discussions under the theme, “Bold Leadership: Is a New Model Needed,” and took time to reflect on the association’s 120-year history in the state. The CBA was honored to have FDIC Vice Chairman Martin Gruenberg as the opening keynote speaker and economist Dr.Edmond Seifried to close the convention on Saturday, as well as a dynamic regulatory panel discussion, with panelists representing the major state and federal regulatory bodies.

The convention is the time when the association marks the changing of the board leadership. CBA president and CEO Rodney Brown thanked outgoing chair Rick Smith, president and CEO for Tri Counties Bank, for his chairmanship this past year; and Smith welcomed the CBA’s new chair, Steve Buster, president and CEO of Mechanics Bank. We appreciate the service that Rick Smith provided on behalf of the association and welcome Steve Buster to this volunteer leadership position.

CBA announced its annual Committee Member of the Year Award recipient to a member of its many committees who has demonstrated exemplary leadership and commitment to the banking industry. Bob McGill, president and CEO of Neighborhood Bancorp, was honored with this award and the association congratulates him for this recognition and thanks him for his dedicated service to the association.

CBA also presented its two prestigious legal awards during the convention, The Almon McCallum Award, which recognizes distinguished service to the California banking community by legal counsel who is employed by a bank, was presented to Steven Strange, general counsel of Manufacturers Bank. The Robert Frandzel Award, recognizing distinguished service to the California banking community by outside legal counsel, was presented to Mark Moore, partner with Aldrich Bonnefin & Moore. Both recipients are highly regarded by their peers not just for their expertise but for their generous contribution of their time and talent. CBA is honored to recognize Mr. Strange and Mr. Moore.

The association would like to thank all attendees, sponsors, exhibitors, speakers and staff who made this year’s event a success!

Who Should Attend

    Bank presidents
    CEOs
    Chairpersons
    Senior executives
    Directors

Registration & Accommodations

Early-Bird Registration through Friday, April 01, 2011
CBA Member: $695
Non-Member: $995
Spouse: $495

Regular Registration
CBA Member: $995
Non-Member: $1295
Spouse: $495

Hyatt Regency Huntington Beach
21500 Pacific Coast Highway
Huntington Beach, CA 92648

Hotel accommodations can be made by calling the Hyatt Huntington Beach at 714/698-1234. The CBA rate is $215/night, single or double occupancy, plus tax. Rooms are limited and available on a first come, first-served basis. Please make your reservations by April 13 to qualify for the CBA room rate.

Agenda

**This Agenda is Subject to Change
Wednesday, May 4, 2011

11:30 a.m. – 2:00 p.m.
Executive Committee Meeting (working lunch)

1:00 p.m. – 4:30 p.m.
Directors Preconference Workshop – Fundamentals of Banking Part 1

3:00 p.m. – 4:30 p.m.
Banker Benefits Board Meeting

6:15 p.m. – 7:00 p.m.
CBA and Banker Benefits Board of Directors Reception

7:00 p.m. – 9:00 p.m.
CBA and Banker Benefits Board Dinner
Sponsored by Keefe, Bruyette & Woods, Inc.

Thursday, May 5, 2011

8:30 a.m. – 12:00 p.m.
Directors Preconference Workshop – Fundamentals of Banking Part 2

9:00 a.m. – 6:30 p.m.
Registration is Open

9:00 a.m. – 11:00 a.m.
CBA Board of Directors Meeting

10:00 a.m. – 1:00 p.m.
General Counsel Roundtable (Invitation only – CBA General Counsel)

11:30 a.m. – 1:00 p.m.
Past Presidents Luncheon

11:30 a.m. – 1:00 p.m.
Past Presidents’ Spouses Luncheon

1:00 p.m. – 1:30 p.m.
Conference Welcome and Program Overview
Richard P. Smith, CBA Board Chairman

1:30 p.m. – 2:30 p.m.
Opening Keynote
Martin J. Gruenberg, Vice Chairman, FDIC
Sponsored by Harland Clarke

2:30 p.m. – 3:00 p.m.
Refreshment Break

3:00 p.m. – 4:30 p.m.
Concurrent Sessions – Series I

    Directors Session
    Beyond CAMELS:  Assessing Your Bank’s Performance Beyond the Reported Financials
    Presidents/CEOs/CFOs/COOs Session
    Bank Reputation Management
    Bank Counsel Sessions
    Old and New Frontiers of the Americans with Disabilities Act of 1990 (“ADA”): ADA Compliance for Financial Institutions
    Mortgage Lending Compliance: The Good, The Bad and The Ugly
    Never Waste a Good Crisis – Supervisory, Regulatory and Litigation Risks and Trends in 2011
    Corporate Governance after Dodd-Frank

5:00 p.m. – 6:30 p.m.
Welcome Reception and Vendor Exhibition & Wine Tour

6:30 p.m.
Dinner on own
Friday, May 6, 2011

7:30 a.m. – 9:00 am
Continental Breakfast and Exhibits

8:30 a.m. – 8:45 a.m.
Introduction and Welcome (Election of Board Officers)
Richard P. Smith, CBA Board Chairman

8:45 a.m. – 9:45 a.m.
Regulator Panel – FDIC, FRB, OCC and DFI
Introduced and Moderated by:
Maurine Padden, EVP & CAO, California Bankers Association

9:45 a.m. – 10:15 a.m.
Refreshment Breaks and Vendor Exhibition

10:15 a.m. – 11:45 a.m.
Concurrent Sessions – Series II

    Directors Session
    Board Committees, with ALCO Front and Center
    Presidents/CEOs/CFOs/COOs Session
    Lessons Learned from Troubled Banks
    Bank Counsel Sessions
    Advanced Topics in Commercial Law
    Mortgage Lending Compliance: The Good, The Bad and The Ugly
    HR Roundtable: A Focus on California Employers

12:00 p.m. – 1:30 p.m.
Lunch and Committee member of the Year Award Presentation

1:45 p.m. – 3:15 p.m.
Concurrent Sessions – Series III

    Directors Session
    Beyond the Short-Term: Directors, Strategy and Sustaining the Bank
    Presidents/CEOs/CFOs/COOs Session
    Generating Sales in Today’s New Business Environment
    Bank Counsel Sessions
    Social Media
    New Rules Governing Problem Commercial and Residential Real Estate Secured Loans: Strategies for Coping
    Never Waste a Good Crisis: Supervisory, Regulatory and Litigation Risks and Trends in 2011
    The FEDs are Alright: The New Normal in Bank Operations

3:15 p.m. – 3:30 p.m.
Refreshment Break

3:30 p.m – 5:00 p.m.
Concurrent Sessions – Series IV

    Directors Session
    Directors and Liability: How Directors Can Protect Themselves
    Presidents/CEOs/CFOs/COOs Session
    Market Driven Innovation in Products, Services and Delivery Systems
    Bank Counsel Sessions
    Ethics
    New Rules Governing Problem Commercial and Residential Real Estate Secured Loans: Strategies for Coping
    HR Roundtable: A Focus on California Employers
    Corporate Governance after Dodd-Frank

5:45 p.m. – 6:45 p.m.
Gala Reception

6:45 p.m. – 9:00 p.m.
Gala Dinner and Frandzel and MCCallum Awards and Board Chair Installation
Saturday, May 7, 2011

7:30 a.m. – 9:00 a.m.
Continental Breakfast

8:30 a.m. – 10:30 a.m.
Bank Counsel Session (Runs once at this time)
Substance Abuse and Elimination of Bias

9:00 a.m. – 10:30 a.m.
Concurrent Sessions – Series V

    Presidents/CEOs/CFOs/COOs Session
    Successful Leadership Strategies in a New Economic Environment
    Bank Counsel Session
    The FEDs are Alright: The New Normal in Bank Operations

10:30 a.m. – 10:45 a.m.
Refreshment Break

10:45 a.m. – 12:00 p.m.
Closing Keynote – The Economy in 2011: The Case of the Missing Dead Cat Bounce
Dr. Edmond J. Seifreid
Professor Emeritus of Economics and Business
Lafayette College, Easton, Pennsylvania

12:00 p.m.
Conference Adjourns

General Sessions

The Banking Industry

Martin J. Gruenberg, Vice Chairman
Federal Deposit Insurance Corporation

In this session, FDIC Vice Chairman, Martin Gruenberg will discuss financial industry issues of concern to the FDIC, in areas of bank supervision and oversight, future assessments and FDIC administration.

The Economy in 2011: The Case of the Missing Dead Cat Bounce

Dr. Edmond J. Seifried, Professor Emeritus of Economics and Business
Lafayette College

The Great Recession of 2007-09 is now part of American economy history. Unfortunately, the recovery, now underway, has been relatively weak. Much of the economic activity that has formed the basis of the recovery is due to the combined impact of monetary and fiscal policies. The pressing question is what will happen to the current recovery when these “artificial stimuli” are removed. Will the economy be able to stand on private legs? Will private consumption and spending replace government spending?
Dr. Seifried will investigate these issues as well as describe the missing dead cat bounce (the lack of strong job and income growth) normally associated with recoveries from severe economic recessions.

Regulatory Update

Maurine C. Padden, EVP/CAO
California Bankers Association

This panel will discuss the key regulatory issues facing our industry, and approaches to examinations and compliance in the current environment. The session will also feature an interactive question and answer session between meeting attendees and the representatives from these four regulatory agencies.

Stan Ivie, Regional Director
Federal Deposit Insurance Corporation

Teresa Curran, SVP/Deputy Financial Institutions Supervision
Federal Reserve Bank of San Francisco

Kay Kowitt, Western District Deputy Comptroller
Office of the Comptroller of the Currency

William Haraf, Commissioner
Department of Financial Institutions

Presidents/CEOs/CFOs/COOs Sessions

Lessons Learned From Troubled Banks

Stan Ivie, Regional Director
Federal Deposit Insurance Corporation

William Haraf, Commissioner
Department of Financial Institutions

The FDIC and DFI provide perspective on what can we learned from our failed and
troubled banks, and about how to navigate the challenging current?

Bank Reputation Management

Eve Callahan, SVP/Corporate Communications
Umpua Bank

Angie R. Galimanis, Vice President
LANE Public Relations

Strategic communication and working with the media can leave you in “open water,” if you don’t have processes or plans in place to help all parties keep the right focus. Join this session for a look a how to navigate the public relations/public perception landscape.

Generating Sales in Today’s New Business Environment

Ray Adler, President
BTI Growth Advisors

The banking industry has enjoyed a fifteen-plus year growth cycle leading up to the collapse of the financial markets in the third quarter of 2008. During this cycle (2000 to 2007), the banking industry enjoyed a near insatiable demand for real estate credit. One could assert that the success many banks experienced was far more demand driven than as a result of possessing the best sales strategies and most highly trained loan officers. When demand is high, a bank can be successful without strong sales strategies, processes and highly trained employees. Weak demand and stringent underwriting criteria necessitate banks refine their strategies, processes and employee skills as a means of improving bank performance.

This presentation will discuss the five most frequently observed sales trends found in all banks over the past decade. In addition, specific recommendations will be presented that have helped banks adapt and succeed in today’s new business environment.

Market Driven Innovation in Products, Services and Delivery Systems

John Oliver, President
Laurel Management Systems

In today’s environment even the most successful banks should be prepared to hold their business model up to scrutiny and question its future sustainability. Most financial institutions have tended toward product-driven strategies rather than focusing on the unique needs of their specific markets, while consumer and business buying habits and attitudes have undergone seismic shifts. Banks are operating in a new reality and ignoring their peril. Future success will most likely accrue to the benefit of the institutions with leaders who are prepared to ask the difficult questions required to create meaningful change. Ascertaining market needs and demonstrating a willingness to innovate to adjust the business model to meet those needs is arguably the only way for any organization to stay relevant.

This session will explore methods of recognizing market opportunities to ensure the
ongoing viability of your bank and will delve into such topics as

  • How to understand your current value proposition
  • Market defined business models vs internally defined strategies
  • Products, services and delivery systems that address market needs
  • Profitability improvements through well-defined strategies
  • Leadership of innovation

Successful Leadership Strategies in a New Economic Environment

Jack Craven, Managing Director
Cornerstone Advisors, Inc.

This session will discuss how financial institutions can ensure their viability, relevance and
success in the most difficult industry environment ever known. Included will be a review of
emerging mandates, and best practices that institutions can use.

Directors Sessions

Board Committees, with ALCO Front and Center

Karl Nelson, President and CEO
KPN Consulting

Committees are at the heart of board governance and the management of risk is a key board committee function. Nelson will look at how committees work and how an ALCO committee, or risk committee responsible for all risk, liquidity as well as interest rate and credit, can be an option to get effective governance of this key function. He will explore how setting key metrics, identifying liquidity risks, creating projections and having a robust contingency plan can be accomplished by this committee, as it expands from traditional capital and asset liability issues to incorporate broader strategy, contingency planning, capital assessment and liquidity risks.

Beyond CAMELS: Assessing Your Bank’s Performance Beyond the Reported Financials

John Hurlock, Director of Financial Risk Management
Sheshunoff Management Services

Reported financials go only so far in providing directors with a view of their bank’s performance. But by going beyond the reported financials directors can gain a more thorough understanding of their bank’s financial and strategic risk, and a more comprehensive and how independent assessment of their bank’s and management’s performance. Hurlock looks at how the board can independently verify the bank’s risk profile and management’s performance, and considers some of the tools which can help the board and management understand what is really going on.

Beyond the Short-Term: Directors, Strategy and Sustaining the Bank

John Oliver, President
Laurel Management Systems

Even in a buoyant economy and robust banking environment, banks directors must be attuned to constant changes of pressure and marketplace shifts as they guide the institution. When times are hard the pressure on directors is all the greater to determine an effective long-term strategy and ensure ongoing viability. Oliver draws on his experience of working with community banks of all shapes and sizes to explore the director’s role in strategy, from decisions about the customer, the value proposition, the bank’s image, and what will sustain the bank for the long haul.

Directors and Liability: How Directors Can Protect Themselves

Joe Perkowski, National Sales Director, BancInsure

Bill Hess, Director, Professional Lines, BanInsure

Events of the past three years have appropriately caused bank boards and directors to think long and hard about their liability, about minimizing their risks and the steps they can take to protect themselves. Sargent looks at the impact of recent events, bank failures and enforcement actions on the bank directors and officers insurance market, and explores some of the current issues facing directors, and their insurers, such as regulatory exclusion, coverage enhancements, prior acts insurance, tail insurance, cancellation clauses and the implications of “material change in risk.”

Bank Counsel Sessions

Mortgage Lending Compliance: The Good, The Bad, and The Ugly

Janet M. Bonnefin, Principal
Aldrich Bonnefin & Moore, PLC

Karen Geno, Principal
Geno Management Advisory Services

Today’s world of mortgage lending is significantly different than it was even three years ago. Tremendous changes to the regulatory compliance environment have taken place since 2008, affecting not only purchase-money loans, but refinancings, home improvement loans and equity loans, as well. This means that banks that have not traditionally viewed themselves as mortgage lenders, as well as banks that do, must comply with an array of new rules under the Truth in Lending Act (Regulation Z), the Real Estate Settlement Procedures Act and the new federal registry for mortgage loan originators mandated by the SAFE Act. In addition, the Dodd-Frank Reform Act directs the issuance of even more mortgage loan regulations and thus we need to brace ourselves for more of the same. With all these changes taking place and the increased complexity of the disclosures themselves, the compliance risks to all banks are increasing at a dramatic rate. Join us for a survey of high-risk areas in mortgage lending compliance.

New Rules Governing Problem Commercial and Residential Real Estate Secured Loans: Strategies for Coping

Neil J. Rubenstein, Shareholder
BuchalterNemer

Peter S. Munoz, Partner
Reed Smith, LLP

Sue Raines, VP & Consumer Credit Administrator
Tri-Counties Bank

Over the past year, there have been many new state and federal statutes, regulations and court decisions dealing with foreclosures, short sales, documentation problems and related matters for commercial and residential real estate secured loans, which require lenders to do, or refrain from doing, certain things. This program will discuss the new rules, and strategies for dealing with them, including enforcement strategies, best practices and alternatives to foreclosure.

HR Roundtable: A Focus on California Employers

Susan Jamison, Attorney
Coblentz, Patch, Duffy & Bass, LLP

Join us for an update on specific California laws affecting workplace challenges for the business community.

The Feds are Alright: The New Normal in Bank Operations

Ted T. Kitada, Senior Company Counsel
Wells Fargo Bank, NA

Gene Elerding, Partner
Manatt, Phelps & Phillips

This panel will explore recent key developments relating to overdrafts, including Gutierrez v. Wells Fargo, the FDIC overdraft guidance, and the opt-in requirement for overdraft services under Regulation E. The panel will also cover Dodd-Frank’s impact on deposit services, including changes to deposit holds and the payment of interest on demand deposit accounts, FDIC insurance coverage, and the new “abusive” prong to UDAP claims. Other topics include deposit pricing, a bank’s considerations for the actions of its depositors, risk reduction in cash management services, trust attorney-client privilege, and other day-to-day operational issues.

Social Media

Susan Jamison, Attorney
Coblentz, Patch, Duffy & Bass, LLP

Everyone is talking about social media, but how can you use is as an effective addition to your bank’s marketing tools? Join us for a review and discussion about the benefits, challenges and pitfalls of client exposure through the growing social media outlets.

Corporate Governance after Dodd-Frank

James M. Rockett, Partner
Bingham McCutchen, LLP

Robert Perry-Smith, Chief Executive Officer
Perry-Smith, LLP

Daniel J. Doyle, President & CEO
Central Valley Community Bank

The Dodd-Frank Act is the most significant expansion of federal government in corporate governance since the Sarbanes-Oxley Act of 2002. This panel of highly respected professionals will discuss the legal, accounting, and practical issues facing financial institutions in complying with corporate governance requirements in this post Dodd Frank Act era.

Never Waste a Good Crisis – Supervisory, Regulatory and Litigation Risks and Trends in 2011

Mark Moore, Shareholder
Aldrich, Bonnefin & Moore, P.L.C.

William Stern, Partner
Morrison & Foerster, LLP

Walter Mix, III
Director/Financial Services Group Leader
Berkeley Research Group, LLC


This panel should appeal to both the general counsel and the bank director/officer. We’ll look at the new supervisory issues, such as including asset classification issues and consumer litigation risks, such as UDAP. We will also answer the questions of whether “no risk” is the new standard and if private litigation risks in California continue to grow, and will look at trend lines on both fronts, and how they might converge.

Advanced Topics in Commercial Law

Steven O. Weise, Partner
Proskauer

Dennis Arnold, Partner
Gibson, Dunn & Crutcher

Alan M. Mirman, Esq.
Mirman, Bubman & Nahmias LLP

A round table discussion of developments in commercial law and their practical application, including topics such as mixed collateral, the effect of the recent revisions to UCC Article 9, and avoiding traps for the unwary bank counsel. Steven Weise, Dennis Arnold, Alan Mirman (Moderator).

Old and New Frontiers of the Americans with Disabilities Act of 1990 (“ADA”): ADA Compliance for Financial Institutions

Martin H. Orlick, Real Estate Attorney
JMBM | Jeffer, Mangels, Butler & Mitchell LLP

Virginia E. O’Neill, Senior Counsel
Center for Regulatory Compliance
American Bankers Association

This presentation outlines how the ADA and the recent 2010 amendments affect financial institutions. Focus will be placed on physical and “cyberaccessibility” in retail branches, ATMs, telecommunications relay services, as well as internet and new technology. Other topics include the anatomy of an ADA lawsuit, Department of Justice investigations, and safeguards from ADA litigation.

Ethics and Whistleblowers Under the Dodd Frank Act

Teryl Murabayashi, SVP & Associate General Counsel
Union Bank

This session will focus on ethical issues arising out of the Dodd Frank Act, and how the whistleblower provisions will impact in-house counsel and their obligations to their client.

Substance Abuse and Elimination of Bias

John Steele, Attorney at Law
John Steel Law

In the legal profession, alcohol is ubiquitous. This talk will take a brief look at the natural history, chemistry, and biology of drinking alcohol and will then look at the impact of drinking on lawyers and the legal profession. Suggestions will be offered on how to spot and ameliorate problem drinking.

Our Legal Profession: Who Gets In and Who Gets Left Out

John Steele, Attorney at Law
John Steel Law

All professions exclude, but on what basis – legitimate and illegitimate – does the legal profession exclude? Attention will be paid to the impact of race, gender, ethnic origins, and social class on participation in the legal profession.

Sponsors & Exhibitors

Why you should sponsor or exhibit:

    An excellent opportunity to maximize your company’s brand awareness and increase your market position
    Gain direct access to nearly 200 CBA member banks and institutions in an exclusive environment
    Raise your profile above your competitors
    Learn about the issues confronting today’s financial service leaders and gain valuable insight into potential solutions
    Wide selection of sponsor opportunities designed to match your exposure needs for your budget constraints
    Shape or reinforce a positive perception of your company with California’s bank executives
    Help support California Bankers Association, the largest non-profit banking organization serving the California financial services industry

To learn about sponsor and exhibitor opportunities, please contact CBA’s events department.

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