Join us for our complimentary education webinar:
A Winning Thoroughbred Approach to Your Balance Sheet: Optimize & Stabilize Net Interest Margin
Handicapping your balance sheet is not much different than handicapping a horse race. Analyzing data on horses can include speed ratings, jockeys, past performance, workouts, etc., to identify the best horse to bet on. For banking, making good risk/reward balance sheet decisions to make money and manage risk require different information (Models, capital & liquidity reports, loan portfolio, deposit and bond analysis, etc.). The favorite in the horse race doesn’t always win, no different than loans the institution originates don’t always perform! Getting better at the balance sheet management process increases the chance for long term success. Improved profitability while balancing risk is a goal all top performing institutions have in common. In a competitive market environment, maximizing your margin is a challenge!
With up-to-date peer data for many balance sheet areas and performance metrics, including net interest margin and investment yield, this presentation will show how to evaluate your institution compared to peers, both in your state and nationally. Is there opportunity to improve profitability and go from good to great? Is your institution holding significantly more (or less) liquidity relative to the competition? These are just a few of the questions that will be explored.
This interactive session with polling, enables participants to see how other attendees approach the balance sheet management process. For example, some institutions focus on regulatory appeasement, some focus on setting loan and deposit rates, and others focus on profit improvement. We will examine each of these approaches and discuss how an institution’s balance sheet management philosophy impacts strategies and profitability.
Learning Objectives and Key Takeaways
■ Examine peer analysis, various balance sheet ratios, and dissect net interest margin.
■ Utilize peer comparison tools to identify opportunities to go from good to great.
■ Explore strategies other institutions may be implementing. Are there opportunities to learn from competitors?
This education session qualifies for 1 hour of CPE Credit
About the SpeakerS:
Tom Evans, CFA
Tom is a Senior Consultant at HUB | Taylor Advisors, Tom works with institutions across the Midwest, Southeast and Southwest regions. He began his career as a Financial Institution Examiner with the FDIC where he worked with banks in the Southeast region and was an instructor in areas regarding ALCO for new FDIC hires. He then worked for a life insurance asset manager where he covered commercial mortgage and asset backed securities. He holds the Chartered Financial Analyst (CFA) designation, is a member of the Louisville CFA society, and received his BSBA in Finance and Accounting at the University of Kentucky.
Will Craycraft, CFA, CPA
Will Craycraft is a Consultant with HUB | Taylor Advisors specializing in Balance Sheet Management. Will earned his Bachelor of Science in Business Accounting and a Master of Science in Accounting from the University of Kentucky. Will is a Certified Public Accountant and he holds the Chartered Financial Analyst (CFA) Designation. Will has extensive experience working with Financial Institutions ranging in asset size from $100 Million to $10 Billion.
Webinar Options:
- Wednesday, August 20th, 10:00-11:00am CT;
- Thursday, August 21st, 11:00am-12:00pm CT