Capital Adequacy & Risk:

Regulator Expectations for the Board

(90-minute webinar – on-demand also available)

Thursday, July 15, 2021

12:00 PM Pacific       1:00 PM Mountain

2:00 PM Central       3:00 PM Eastern

Capital management is more than meeting the guidelines for being well capitalized.  Determining your institution’s risk plays a central role in determining what “adequate” capital means.  Take advantage of this important learning opportunity for directors and senior management. 

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

• Identify the risks boards are expected to manage (e.g., credit risk, interest rate risk, liquidity risk, operational risk, compliance risk, strategic risk, and reputation risk)
• Discuss how these risks often overlap and need to be considered together and not in individual silos of risk
• Comprehend capital adequacy regulations, including the Community Bank Leverage Ratio
• Observe the interplay between strategic planning and capital planning
• Discern what your organization’s level of capital adequacy should be based on its level of risk
• Meet the regulatory agencies’ expectations for appropriate board management of capital and risk
• Understand the elements of capital planning, including stress testing your balance sheet to ensure adequate capital under moderate- and high-stress periods

WEBINAR DETAILS

All too often financial institutions believe that simply meeting regulatory guidelines for “well capitalized” is all there is to capital management.  However, the level of adequate capital should reflect the level of risk for your organization.

This webinar will address:

• The basic regulatory definitions of capital adequacy
• The types of risk the board should measure, monitor, and control
• Risk interaction and how strategic planning, stress testing, and capital planning need to be aligned
• Regulators’ expectations that the board should properly manage risk and provide adequate capital to ensure your organization is safe and sound
• Considerations for determining the level of adequate capital based on your organization’s risk profile

WHO SHOULD ATTEND?

This informative session is designed for directors and senior managers responsible for managing the organization’s risk and capital adequacy, including CEOs, CFOs, chief risk officers, chief credit officers, and others who manage risk. 

TAKE-AWAY TOOLKIT

• Risk analysis toolkit to assist in measuring the degree, weight, and direction of risk in an organization
• Outline of a basic capital plan
• Employee training log
• Interactive quiz 

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    MEET THE PRESENTER - Bob Viering, Young & Associates, Inc.

Bob Viering brings over 30 years of banking experience to Young & Associates, Inc., where he concentrates primarily on management and board planning activities, including strategic planning, succession planning, stress testing, de novo bank formation, managing M&A activities including merger integration, and assisting in the management of formal and informal regulatory agreements. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to joining Young & Associates, Bob was a de novo bank organizer responsible for all regulatory filings, business plans, and staff and board recruiting and then served as CEO.  In addition to forming the de novo bank, he was an advisor for other de novo bank formations.  Before founding the de novo bank, Bob has held various management positions, including market president and regional credit officer with large and regional banks.  In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses.   

THREE REGISTRATION OPTIONS – WHAT YOU GET

1. Live Webinar Includes

• Unlimited connections within your institution to the Live Webinar
• Handout and Take-Away Toolkit
• Available on desktop, mobile & tablet
• Presenter’s contact info for follow-up 

2. On-Demand Webinar Includes

• Recording of the Live Webinar
• Available two business days following Live date
• Handout and Take-Away Toolkit
• Available on desktop, mobile & tablet
• Free Digital Download, yours to keep
• Share link with anyone at your institution
• Presenter’s contact info for follow-up

3. Purchase the BOTH Option to receive all the benefits listed above! Full registration descriptions can be found here.

Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE