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Commercial Real Estate in the 8th District 09/11/2018 11:00 AM - 12:30 PM Federal Reserve Bank of St. Louis

Description:

On September 11, we will focus on Commercial Real Estate in the 8th District and Nashville MSA. Real estate expert Brian Bailey from the Atlanta Fed will provide an update on CRE conditions, including CRE concentrations, trends, hot spots / cool spots and where markets seem to be heading. Your board members are welcome to attend this session, as well.

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Fair Lending-"Can You Make Exceptions?" 07/31/2018 1:30 PM - 2:30 PM Federal Reserve Bank of St. Louis

Description:

In today's regulatory environment, banks of all sizes struggle to balance the credit needs of customers with the requirements of the Equal Credit Opportunity Act and the Fair Housing Act. While policies and procedures control risks, the need for exceptions is inevitable. Numerous exceptions increase the risk of fair lending issues. The July 31 session will provide a high level overview of fair lending examination procedures used by Federal Reserve examiners, the types of fair lending risk that banks are exposed to in underwriting and pricing consumer loans, and how banks can control these risks and maximize consistency. We encourage you to invite board to participate in the session.

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What's Driving the Neutral Real Rate? 05/22/2018 1:00 PM - 2:00 PM Federal Reserve Bank of St. Louis

Description:

After years of near zero short-term interest rates—and real (inflation-adjusted) interest rates substantially below zero--, the Federal Reserve began slowly raising the federal funds rate in December 2015. Based on current market expectations, the Fed may be about halfway toward its goal of reaching three percent by 2019 or 2020. Some economists and policymakers, including St. Louis Fed President James Bullard, believe this degree of monetary policy tightening may be too much, putting the economy at risk of recession. Pres. Bullard's view is based on his estimate of the economy's so-called “r-star,” or the neutral real rate of interest. On May 22, Federal Reserve economist Bill Emmons will discuss the concept of r-star and explain why Pres. Bullard is concerned that his FOMC colleagues might push the fed funds rate too high. Emmons will discuss how economists estimate the neutral real rate and how future monetary policy could impact banks, consumers and the broader economy.

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In Plain English: Cybersecurity and IT Exam Expectations - A Primer for Bank Executive Officers and Directors 05/14/2018 1:30 PM - 2:30 PM Federal Reserve Bank of St. Louis

Description:

Information technology staff in banks spend a great deal of time learning about cybersecurity and information technology examination expectations. IT is also critical that bank presidents, executive officers, and board members understand the basics necessary to carry out their governing roles. The May 14 session will provide a high level overview of information technology risk management for executive management, including the key cyber risks faced by banks, important controls, and key examination focal points. We encourage you to invite board to participate in the session.

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The “New Normal” of Liquidity: Current Environment, Funding Sources and Examination Expectations 04/18/2018 10:30 AM – 11:15 AM Federal Reserve Bank of St. Louis

Description:

As interest rates rise and banks seek liquidity through alternative funding sources, bank management teams are challenged with staying informed of the risks these changes pose to their institutions and the regulatory expectations for liquidity risk management. The April 18 session is designed to help educate bank presidents, executive officers and board members on current liquidity trends, benefits and risk of funding sources, and examination expectations.

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Current Expected Credit Losses (CECL) Methodology Q&A 03/01/2018 2:30 PM – 3:15 PM Federal Reserve Bank of St. Louis

Description:

On March 1, join us for a session that is a supplement to the February 27, 2018, “Ask the Regulators*” session titled, “CECL Webinar for Bankers: Practical Examples of How Smaller, Less Complex Community Banks Can Implement CECL.” This session will provide an opportunity for Eighth District banks to ask questions to the St. Louis Fed's CECL accounting implementation team, based on the information presented in the February 27 webinar.

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Banking Marijuana-Related Businesses: A View from Arkansas and Colorado 05/11/2017 1:00 PM – 2:15 PM Federal Reserve Bank of St. Louis and the Arkansas State Bank Department

Description:

Recent changes in the state laws, now allow for medical marijuana usage in more than half of all U.S. states. Last year, the state of Arkansas passed a law which allows for the creation of a medical marijuana program. During the May 11 webinar, a representative from the Arkansas State Bank Department will outline Arkansas' medical marijuana law. The program will then turn to state and federal regulators that supervise institutions that bank marijuana-related businesses in the state of Colorado. Colorado has had a medical and recreational program for several years. Our presenters will share some of the lessons that both banks and regulators have learned as these programs have evolved in that state. The St. Louis Fed's Executive Vice President for Supervision Julie Stackhouse, will moderate the webinar and the question and answer session. She will be joined by Candace Franks, bank commissioner, Arkansas State Bank Department; Chris Myklebust, commissioner, Colorado Division of Banking, Richie Thorne, assistant vice president, Supervision, Federal Reserve Bank of Kansas City (Denver Branch), and Phil Magathan, senior examiner and Bank Secrecy Act expert, Federal Reserve Bank of Kansas City. The goal of the discussion is to provide participants with a better understanding of how banks have implemented risk focused programs, and to share regulatory perspectives on marijuana-related issues.

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Perspectives from Three State Member Banks on CECL Implementation 12/07/2016 10:00 AM - 11:00 AM First Bank in St. Louis, Mo

Description:

On December 7, 2016, during our final Quarterly Conversations program of the year, we're pleased to offer you perspectives on CECL implementation from three state member banks: First Bank, St. Louis, MO ($6.1 billion in total assets); Midwest BankCentre, St. Louis, MO ($1.8 billion); and the Monticello Banking Company, Monticello, KY ($554.6 million).

We anticipate a highly interactive call as Julie Stackhouse will ask these banks to share their current thinking and progress on CECL implementation. We hope the practices offered by other banks will assist you in your own planning. The session will include time for your questions too.

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Examination Hot Topics 09/08/2016 10:00 AM - 11:00 AM Bear State Bank

Description:

We have two hot topics for our next Quarterly Conversation with the St. Louis Fed session on September 8: commercial real estate concentrations and risk management in third-party lending and servicing relationships.

Assistant Vice President Allen North will discuss regulatory concerns with growing commercial real estate concentrations, while Assistant Vice President Cathy Kusmer will address compliance risks associated with third party loan purchases, indirect auto loans, and third-party servicing relationships. And of course, we'll take your questions, too. Our session will be "live" from Bear State Bank in Little Rock, AR.

References

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CRE in the 8th Federal Reserve District 06/30/2016 10:00 AM - 11:00 AM Decatur County Bank

Description:

Commercial real estate is once again a topic of discuss for both bankers and regulators.

During our next Quarterly Conversation with the St. Louis Fed session on June 30, real estate expert Brian Baily from the Atlanta Fed will focus on commercial real estate conditions in the 8th District’s geographic footprint, including CRE concentrations, trends, hot spots / cool spots and where markets seem to be heading. We’ll also take your questions. The call will be hosted “live” from Decatur County Bank in Decaturville, TN.

In addition to our Quarterly Conversation, there is an Ask the Fed® session on June 29 (the day before). In that session, Brian Bailey will dive deep into the multi-family market on a national level, focusing on the data, issues and trends, and offering some forecasts. If you have not yet registered, you are invited to do so at www.askthefed.org. This Ask the Fed session will be hosted “live” from Nashville, TN.

Speakers include:

  • Julie Stackhouse, Executive Vice President, Federal Reserve Bank of St. Louis
  • Brian Bailey, Federal Reserve Bank of Atlanta

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Financial Market Developments Since Lift-Off 02/08/2016 10:00 AM - 11:00 AM Central Bank of St. Louis

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

It’s been a busy start to 2016. On December 16, 2015, the FOMC announced a 25 basis point increase in the target range for the federal funds rate – its first policy tightening move in more than eight years.  The Federal Open Market Committee used new monetary policy tools to move the funds rate to its target range, including the payment of interest on excess reserves (IOER) and the overnight reverse repurchase agreement (ON RRP) facility.

During our Quarterly Conversations session on February 8 (live from Central Bank of St. Louis), St. Louis Fed economist Bill Emmons and Reserves Specialist R.J. Sak  will discuss these and other tools.  We’ll also discuss how other short term rates may be affected by the Fed’s recent moves and whether declining oil prices and global market turbulence might impact the U.S. outlook for economic growth and inflation.

Speakers include:

  • Julie Stackhouse, Executive Vice President, Federal Reserve Bank of St. Louis
  • Bill Emmons, Assistant Vice President, Federal Reserve Bank of St. Louis
  • R.J. Sak, Assistant Manager, Federal Reserve Bank of St. Louis

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Current Expected Credit Loss (CECL) Model: Answers to Your Questions 11/16/2015 1:00 PM - 2:00 PM Eagle Bank and Trust, Arkansas
Live from First State Bank and Trust in Caruthersville, Missouri 08/19/2015 10:00 AM - 11:00 AM First State Bank and Trust in Caruthersville, Missouri

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On May 20, 2015, Quarterly Conversations comes to you live from First State Bank and Trust in Caruthersville, Missouri.

We've got two (2) hot consumer topics for our August session, coming to you live from First State Bank and Trust in Caruthersville, Missouri.

  1. New TILA / RESPA Disclosure Form
    The Dodd-Frank Act modified Regulation Z to combine the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure forms that lenders provide to mortgage borrowers. The new rule was released by the Consumer Financial Protection Bureau (CFPB) and will go into effect on October 3, 2015.

    We will discuss the changes in coverage, definitions, timing requirements, tolerances, and disclosure formatting, and take questions as well.

  2. The U.S. Supreme Court Ruling on Disparate Impact: Implications for Banking
    The Supreme Court recently issued a 5-4 decision upholding interpretations of the Fair Housing Act (FHA), which bar unintentional discrimination in the housing market through policies that disproportionately affect groups of individuals along a prohibited basis (e.g., race, color, religion, sex, familial status or national origin). The Federal Reserve exercises examination and enforcement authority over state member banks, and the Interagency Fair Lending Examination Procedures have long recognized disparate impact.

    We will discuss the ruling and its potential implications for the supervisory process and the ways in which banks can use monitoring and reviews to effectively control any increased fair lending risk, along with taking your questions too.

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Leslie Hurst, Examiner, Federal Reserve Bank of St. Louis
  • Rob Ryan, Senior Examiner, Federal Reserve Bank of St. Louis

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Cassidi
Live from Arvest Bank in Bentonville, Arkansas 05/20/2015 10:00 AM - 11:00 AM Arvest Bank in Bentonville, Arkansas

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On May 20, 2015, Quarterly Conversations comes to you live from Arvest Bank in Bentonville, Arkansas.

A panel of experts will present current trends and challenges associated with the allowance for loan and lease losses (ALLL), early thoughts on implementing a new Current Expected Credit Loss (CECL) accounting standard, current accounting hot topics, and of course, take your questions too.

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Steve Merriett, Deputy Associate Director and Chief Accountant, Federal Reserve Board of Governors

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Cassidi
Live from Centennial Bank in Conway, Arkansas 02/10/2015 10:00 AM - 11:00 AM Centennial Bank in Conway, Arkansas

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On February 10, 2015, Quarterly Conversations comes to you live from Centennial Bank in Conway, Arkansas.

A panel of experts will present, The New Year Top 8: A Look Back at 2014's Key Findings, recent issues identified during examinations and examiner expectations for the New Year. You won’t want to miss this very special countdown.

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Joe Detchemendy, Examiner, Federal Reserve Bank of St. Louis
  • Eddie Boerner, Examiner, Federal Reserve Bank of St. Louis
  • Paul Lippold, Senior Financial Analyst, Federal Reserve Bank of St. Louis

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Cassidi
Live from Community Bank in Lexington, Tennessee 11/12/2014 10:00 AM - 11:00 AM Community Bank in Lexington, Tennessee

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On November 12, 2014, Quarterly Conversations comes to you live from Community Bank in Lexington, Tennessee. Click the Agenda button at the right for the August 13th agenda.

Topics include:

  • Ability to Repay and Qualified Mortgage QA
  • New Loan Coverage
  • Offsite Loan Review

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Leslie Hurst, Examiner, Federal Reserve Bank of St. Louis
  • Carl White, Assistant Vice President, Federal Reserve Bank of St. Louis
  • Mark Buethe, Supervisory Examiner, Federal Reserve Bank of St. Louis

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Live from Lewisburg Banking Company in Lewisburg, Kentucky 08/13/2014 10:00 AM - 11:00 AM Lewisburg Banking Company in Lewisburg, Kentucky

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On August 13, 2014, Quarterly Conversations comes to you live from Lewisburg Banking Company in Lewisburg, Kentucky. Click the Agenda button at the right for the August 13th agenda.

Topics include:

  • Question and answer session on appraisal / evaluation requirements
  • Cole Taylor Bank: A case study on how a third-party relationship resulted in civil money penalties and a cease and desist order

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Sam Ciluffo, Senior Examiner, Federal Reserve Bank of St. Louis
  • Cathy Kusmer, Assistant Vice President, Federal Reserve Bank of St. Louis

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Take 5 with Bill Emmonds
First Capital Bank of Kentucky 05/28/2014 10:00 AM - 11:00 AM First Capital Bank of Kentucky, Louisville, Kentucky

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On May 28, 2014, Quarterly Conversations comes to you live from First Capital Bank of Kentucky in Louisville, Kentucky. Click the Agenda button at the right for the May 28th agenda.

Topics include:

  • Interest Rate Risk Management
  • Bank Secrecy Act/Anti-Money Laundering

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Jeff Bock, Supervisory Examiner, Federal Reserve Bank of St. Louis
  • Eric Reckamp, Supervisory Examiner, Federal Reserve Bank of St. Louis

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Live from First Bank of the Heartland 02/13/2014 10:00 AM - 11:00 AM Community First Bank of the Heartland, Mount Vernon, Illinios

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis is designed solely for Eighth District state member banks. Our goal is to share with you supervisory trends as seen through the lens of recent examinations. We also focus on other topics that are of special interest to banks in the District.

On February 13, 2014, Quarterly Conversations comes to you live from Community First Bank of the Heartland, Mount Vernon, Illinois.

Topics include:

  • Welcome and webinar overview
  • Beyond compliance: Focus on the Consumer
  • Other current exam topics
  • Q&A

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Cathy Kusmer, Assistant Vice President, Federal Reserve Bank of St. Loius
  • Kevin Henry, Supervisory Examiner, Federal Reserve Bank of St. Loius
  • Allen North, Assistant Vice President, Federal Reserve Bank of St. Loius

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Live from Monticello Banking Company 11/13/2013 10:00 AM - 11:00 AM Monticello Banking Company,
Monticello, Kentucky

Description:

Quarterly Conversations with the Federal Reserve Bank of St. Louis comes to you live from  Monticello Banking Company in Monticello, Kentucky.

Topics include:

  • New Risk Focus Exam Process
  • Frequently Cited Escrow Violation Issues
  • Top IT Risks for Community Banks

For a detailed agenda, click the Agenda button at the right.

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Loius
  • Cathy Kusmer, Assistant Vice President, Federal Reserve Bank of St. Loius
  • Tiffany Stecko, Supervisory Examiner, Federal Reserve Bank of St. Loius
  • John Bargiel, Senior Examiner, Federal Reserve Bank of St. Louis
  • Joe Brennan, Examiner, Federal Reserve Bank of St. Louis
Live from Paducah Bank 08/14/2013 10:00 AM - 11:00 AM Paducah Bank, Paducah, Kentucky

Description:

The inaugural Quarterly Conversations with the Fed is hosted by Paducah Bank in Paducah,  Kentucky. Julie Stackhouse and Dennis Blase lead a team of experts from the St. Louis Fed to discuss timely topics for the Federal Reserve Eighth District.

Topics include:

  • Recent exam matters
  • Basel III update
  • Training resources for directors

Speakers include:

  • Julie Stackhouse, Senior Vice President, Federal Reserve Bank of St. Louis
  • Jim Warren, Assistant Vice President, Federal Reserve Bank of St. Loius
  • Carl White, Assistant Vice President, Federal Reserve Bank of St. Loius
  • Cathy Kusmer, Assistant Vice President, Federal Reserve Bank of St. Loius
  • Tiffany Stecko, Supervisory Examiner, Federal Reserve Bank of St. Loius
  • Michael Wallace, Supervisory Examiner, Federal Reserve Bank of St. Loius
  • Allen North, Assistant Vice President, Federal Reserve Bank of St. Loius