GSBLSU 2016 Class Overview: Bank Regulatory Law

Posted by Don Woodland on Jul 28, 2016 10:49:45 AM

Bank_Regulatory_Law.jpegFrom freshmen to seniors, our GSBLSU students congregated on the Baton Rouge, LSU campus for a two week whirlwind of study during the 2016 session.  As usual, they found comradery, dynamic professors, and comprehensive class offerings.  Among the classes attended by our junior class was Bank Regulatory Law, led respectively by professors Patrick Long, Carl Chaney, John Heasley, and Robert Reynolds. 

As an institution that proudly hosts students from diverse banking backgrounds, GSBLSUrecognizes the need for those who may not occupy an executive suite to understand the fluid and dynamic marketplace that faces CEOs, CFOs, and senior vice presidents every single day.  Rather than simply knowing that changes are taking place above the ground floor, our students are learning why and gaining a higher-level perspective of the industry and decision making process.  Because, while those decisions may not be up to them, they weigh on the franchise at all levels.

Throughout the one week class, students will gain a greater understanding of current regulatory law, how strategic decisions are then made, and what the real world implications are for those at all levels within the industry.  Whether selling and buying a bank or remaining cognizant of cost of capital in their lending business, all banking professionals benefit from a thorough understanding of the regulatory environment.

Following the course, students will continue learning as they complete a home study problem consisting of 5 discussion essay questions to be researched and answered at their home banks.   In the end, students will walk away from Bank Regulatory Law with a more complete understanding of the greater, overall industry and how its parts impact not only their bank as a whole, but their own, unique position.

9 Important  Reasons To  Attend GSBLSU

Tags: bank regulatory law, GSBLSU 2016

GSBLSU 2016 Class Overview: Banking Small Business

Posted by Don Woodland on Jul 22, 2016 11:13:18 AM

Monday through Thursday of the 2016 GSBLSU session, banking_and_small_business.jpegmany students found themselves seated in 152 Coates Hall.  The class was Banking Small Business, the professor was Mike Milan, and the intent was to introduce students to the intricacies that come with banking for small businesses.  With over 28 million small businesses nationwide, small business is, in fact, very big business, and one on which all banking professionals should have a strong grasp.

In his role as Senior Vice President of Business Development at Finagraph, Mike Milan helps small business owners make sense of the financial aspects of their business through the use of software and training.  He also has over 20 years of entrepreneurial experience, including many of his own business ventures.  In short, there are few more qualified to offer such detailed perspective on the relationships that lie between small businesses and their financial institutions.

Among the many takeaways that students can expect from this course, is a breakdown of personality profiles and how to morph your approach to each in order to solicit the best results.  Business owners want local delivery.  They want an institution that is reliable, trustworthy, and understanding of their own unique circumstances.  They also want someone with whom they can effectively communicate.  Personality profiles can be broken down into four main categories:

Driver – Drivers are task-oriented, competitive, fast-paced, and results-oriented.  These personalities need the bottom line up front.  They want their information to be brief but thorough, so they can make a decision as quickly as possible.

Expressive – Expressive personalities are the ones you gravitate to at parties.  They light up the room and can be friends with anyone.  But beware, expressives are poor with details and follow-through.

Amiable – Amiable individuals are timid.  Expect little information or even eye contact from them.  It can be exceptionally difficult to gain their trust but exceptionally rewarding when you finally do.

Analytical – Analytical personalities need to know as much information as you can give them.  Be prepared to offer ample facts and to answer many questions before the ultimate decision is made.

While the majority of all business owners fall into the driver and expressive categories, bankers and accountants are just the opposite.  Learning how to engage those with differing personality types means that banking professionals must be chameleons of sorts and is just a blip of what students can expect from this course in order to improve their small business banking acumen and relations.

Graduate School of Banking vs MBA

 

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Managing Bank Performance

Posted by Don Woodland on Jul 6, 2016 7:01:17 PM

managing_bank_performance.jpegManaging performance and recognizing key indicators is important across every facet of life.  In sports we use statistics, trends and history to tell us what is working, what isn’t, and what may.  When driving your car you may feel sluggish acceleration or problems steering; again these are performance indicators that hint at a problem.  While your bank may not provide the tangible feedback like a bad fuel pump, or a left handed batter that can only pull the ball, there are a number of insightful ways to manage performance to optimize profitability and success.

Let’s start at the beginning by addressing why understanding and managing your bank’s performance is important.

  • Increases shareholder loyalty.
  • Provides a dependable source of new capital.
  • Improves the bank’s valuation.
  • Achieves the mutual alignment of improved bank valuation and improved regulator contentment.

Obviously these are all important, and obvious, benefits of having a well-managed bank.  What makes it easier to understand is the real life examples, engaging storytelling, and student involvement that Joseph “Jody” Hudgins implements in his class at the Graduate School of Banking at LSU, Managing Bank Performance. 

Hudgins is the Senior Executive Vice President & Chief Credit Officer at First Florida Integrity Bank in Naples, FL.  He eloquently and effectively explained and described the many nuances of bank performance and how its management can dramatically help or hinder an institution.  Sharing his experiences by using real world examples complete with hard numbers, actual people and banks, and a concrete “cause and effect” of both good and poor management, resonates with the students.  Asking leading questions, spurring the students to think from different angles, considering the possibilities and ramifications of each variable, really cements these principles and drivers into their critical thinking. 

One of the main elements of this class is how a bank’s valuation can be measured.  Below are the components of bank valuation.

  • Quality of earnings.
  • Capital & capital makeup.
  • Asset quality.
  • Core deposits / deposit mix.
  • Image of the bank in the community.
  • How well bank stock is marketed.
  • Possession of several dominant strategies.
  • Employee culture.
  • Maintain quality employees in the bank.

Each of these factors was personified and exemplified so that each student could assess their banks, based on this criteria.  Hudgins also took a deeper dive into the UPBR, or Uniform Performance Bank Report.  Specifically he detailed the pages and sections of the report that can provide a “warning light” for your bank.  Of course, understanding your bank’s performance provides the insight to understand what is working and what isn’t, and allows for you to mitigate risk.  Here are the segments of the UPBR to which you should pay special attention.

  • Page 1: Summary Ratios
  • Page 3: Non-Interest Income & Expense Yields/Costs
  • Page 6: Balance Sheet Percentage Composition
  • Page 7: Credit Allowance & Loan Mix
  • Page 8: Past Due, Non-Accrual, Restructured Loans
  • Page 9: Interest Rate Risk
  • Page 10: Liquidity & Funding
  • Page 11: Capital Analysis

Overall this course on managing bank performance detailed how you can take a 30,000 foot view of your bank while also focusing on the different moving parts that define its health.  Between the essential application of these lessons, and the engaging teachings of Jody Hudgins, the lessons learned in the course make understanding and managing your bank’s performance all the more efficient and effective.

9 Important  Reasons To  Attend GSBLSU

Treasury Management: Is Technology Changing Your Business?

Posted by Anne Monk on Jun 22, 2016 3:18:34 PM

AdobeStock_98194269.jpegMark Krawczyk has spent 38 years on the non-bank side of treasury management, through which he has been a true customer of the industry. Serving on the faculty of LSU’s Graduate School of Banking for nearly twenty years,

Mark strives to provide every class with the intelligence and strategy to thrive in the modern banking world.

For the 2016 session, Mark has focused on how technology and apps are changing modern banking. Some of the topics addressed include:

  • “credit push” vs. “debit pull”
  • payment risks: systemic, credit, and fraud
  • payment clearing protocol
  • credit card systems
  • wire transfers
  • types of Fedwires
  • cash concentration methods
  • disbursement products

Mark employs his knowledge and experience to help his students build a framework of banking knowledge to better serve their customers in lending and treasury.

As a one-class student with very little knowledge of the banking sector, I found Professor Krawczyk’s lecture engaging, relevant, and relatable. I found myself jotting reminders--such as “check Roth IRA” and “diversify?”—alongside sketches of his many diagrams of modern banking practices. Having come of age in the era of cyber-banking, I walked away from Mark Krawczyk’s lecture with a new curiosity and fascination for the continued modernization of the banking system.

9 Important  Reasons To  Attend GSBLSU

Tags: GSBLSU 2016

2016 Winners: GSBLSU Bank Management Simulation

Posted by Don Woodland on Jun 17, 2016 1:34:08 PM

2016_GSBLSU_BANK_SIMULATION_WINNERS.jpeg

Seniors at GSBLSU participate in the Bank Management Simulation course, a computer-based program that is specifically designed to provide students with a look into management and the decision making process in critical areas such as investments, funds management, risk managements, loans, and asset/liability management. 

In the simulation, the class is divided into teams with each being responsible for effective management and profitability of an $800 million dollar bank.  The computer model (BMSim) allows students to make decisions for the future of the bank and quickly receive feedback regarding the effectiveness of their actions.  Factors such as the economy, competition, and regulatory constraints must all be taken into account for optimal outcomes.  Over the course of the two week program, teams will experience an equivalent of two years in bank management and operations, and the results are examined quarterly by state and federal regulators.

At the completion of the course, winners are selected based on factors such as organization, consistency, earnings, ability to report results to shareholders, and to position the bank for the future.

The following students were the 2016 Bank Simulation winners. Each winner received a letter of recognition, as did their home bank's president and CEO, along with a certificate of recognition for the outstanding work on the Bank Management Simulation.  Please join us in congratulating the 2016 Bank Sim winners!

SIM NAME Employer City St
A5 Brown-Wyatt, Amanda  South Central Bank Tompkinsville KY
A5 Clark, Daniel  Citizens Bank Columbia MS
A5 Cooley, Trevor    DeRidder LA
A5 Crooks, Allan W. Volunteer State Bank Portland TN
A5 Curtis, Adam  Freedom Bank St. Petersburg FL
A5 Roberts, Chris  Countybank Greenville SC
         
B4 Burge, Kristi V. M & M Bank Pascagoula MS
B4 Fletcher, Charles S. First National Bank  Russell Springs KY
B4 Lohbeck, Steven A. Ameris Bank Tallahassee FL
B4 Long, Andrew C. BancorpSouth Jackson TN
B4 Meredith, Richard C. Homeland Bank Columbia LA
B4 Walker, Cathy J. The Exchange Bank Owasso OK
         
C1 Begley, Tammy R. Cumberland County Bank Crossville TN
C1 Bringas, Mario  Synovus Bank Sarasota FL
C1 Colquett, Travis D. Troy Bank & Trust Troy AL
C1 Johnson, Byron L. Marion State Bank Monroe LA
C1 Sanchez Alvarez, Francisco Banco del Bajio Celaya MX
C1 Whitehead, Braxton  Bank of  Franklin Meadville MS
         
D5 Black, Edward A. TN Department Financial Institutions Cookeville TN
D5 Davis, Matthew R. North Alabama Bank Huntsville AL
D5 Harris, Tyler R. Prime Meridian Bank Tallahassee FL
D5 Nichols, Christopher L. Blueharbor Bank Mooresville NC
D5 Silvestri, Melanie I First Landmark Bank Atlanta GA
D5 Snell, Jay T. Marion State Bank Marion LA
         
E6 Blanchard, Charles B. BancorpSouth Baton Rouge LA
E6 Lance, Larry N. First National Bank of Pulaski Lewisburg TN
E6 Martinez de los Monteros,  Banco del Bajio Distrito  MX
E6 Quirk, Melissa  Provident State Bank Preston MD
E6 Serbio, Carmen  Lumbee Guaranty Bank Fayetteville NC
E6 Weskerna, Robert C. Hancock Bank Clearwater FL
         
F2 David, Stephen  Whitney Bank Baton Rouge LA
F2 Gonzalez, Oswaldo  Banorte Monterrey MX
F2 Guinn, Marcus A. Arvest Bank Little Rock AR
F2 Kellahan, Tracy J. Bank of Greeleyville Kingstree SC
F2 Schloegel, Michael  Hancock Bank Gulfport MS

Tags: GSBLSU Bank simulaion

Profile of a Leader

Posted by Don Woodland on Mar 10, 2016 2:16:16 PM

Bankers enrolled in the  have been identified by the senior management ofGraduate School of Bankingleader.jpg their banks as individuals capable of assuming additional managerial responsibilities in the organization, and senior management thinks that investing in the student’s professional education is a sound investment for the bank.

The policies and procedures used by banks to identify candidates for future professional development vary widely but it is possible to focus on several characteristics that future leaders share.  The candidates have significant experience in working in the bank which has given senior management the opportunity to appraise their potential for assuming greater responsibility.  About 60% of the bankers have over six years of experience and about one-fifth have over fifteen years on the job.  The age of the leaders, of course, is coordinated with their experience and almost two-thirds fall into the 30-40 age bracket.

Academic education is also an important element defining the potential leader’s profile.  Almost two-thirds hold bachelor degrees and about one-fourth hold masters degrees.

Thus, the profile of a potential leader indicates that the individual has significant experience in the financial sector, has performed his duties and responsibilities efficiently, and has the educational background upon which to build the skills necessary for future leadership.

Apply to GSBLSU

Tags: profile of a leader

2015 WINNERS: GSBLSU Bank Management Simulation

Posted by Don Woodland on Dec 23, 2015 9:00:00 AM

students_in_class-1.jpgThe Bank Management Simulation course utilizes a computer-based learning exercise designed to give participants an overview of the bank management decision making process. Students develop strategies for the management of functional bank areas, with specific emphasis on planning and decision-making in areas such as loans, deposits, investments, funds management, asset/liability management, risk management, etc. The primary focus is on profitability and growth, but attention also is directed to marketing and pricing of bank services—both current and future.

The senior class is divided into teams, with each team effectively managing an $800 million dollar bank. The computer model allows students to make decisions, to receive quick feedback on the effectiveness of their decisions, and then to make new decisions which adjust bank operations to compensate for a large number of internal and external forces including competition, the economy, and regulatory constraints. Within a two-week period, simulation teams experience the equivalent of two years of bank operations.

The course is supervised by qualified instructors who have extensive real-world banking experience as CEOs, presidents, or examiners. The computer model, (BMSim) or Bank Management Simulation, was developed by the ABA and currently is maintained by a consortium of regional banking schools.  At the end of the course, judges evaluated the quality of the performance of all teams and selected winners.  The winners were selected on organization, consistency, earnings, ability to report results to shareholders, and to position the bank for the future.

The following students were the 2015 Bank Simulation winners. Each winner received a letter of recognition, as did their home bank's president and CEO, along with a certificate of recognition for the outstanding work on the Bank Management Simulation.  Please join us in congratulating the 2015 Bank Sim winners!

Sim Sec NAME Call Name EMPLOYER CITY ST
A1 2 Cooper, Andrew  Andrew Cumberland Valley National Bank Somerset KY
A1 2 Fundora, Aileen C. Aileen Community Bank of Florida Homestead FL
A1 2 Hinton, Mark  Mark Community Bank Tupelo MS
A1 2 Robbins, Matthew R. Matt Greater Rome Bank Rome GA
             
B2 2 Boyd, Matthew W. Matt Simmons First Bank of Searcy Searcy AR
B2 2 Duplechain, Lisa  Lisa Evangeline Bank & Trust Co. Ville Platte LA
B2 2 Hubbard, Brandon  Brandon Trustmark National Bank Magee MS
B2 2 Rousey, Robert  Taylor Casey County Bank Liberty KY
B2 2 West, Johnathan  Johnatha Macon Bank & Trust Company Lafayette TN
             
C5 2 DeLoach, Dale  Dale Southern Bancorp Bank Indianola MS
C5 2 Fowler, Richard A. Richard CertusBank Carrollton GA
C5 2 Jackson, Jesse J. Jesse Texas Capital Bank Dallas TX
C5 2 Vance, Amelia C. Amelia Wilson Bank & Trust Lebanon TN
             
D3 1 Cavin, Benjamin T. Ben Landmark Bank Zachary LA
D3 1 Harbaugh, Devin  Devin Pilot Bank Tampa FL
D3 1 Sanchez de Aparicio, Leslie Leslie Banorte Monterrey MX
D3 1 Weitlauf, Teresa A. Teresa South Central Bancshares of KY Inc. Glasgow KY
             
E2 1 Frazure, Jerry C. Chase BankFirst Financial Services Columbus MS
E2 1 Greene, Erica  Erica Quantum National Bank Suwanee GA
E2 1 Middleton, Chris  Chris Anstaff Bank Harrison AR
E2 1 Sullivan, Christopher  Chris Regions Bank New Orleans LA
             
F1 1 Ballard, Troy A. Tab The Bank of St. Francisville St. Francisville LA
F1 1 Hof, Justin  Justin CB&S Bank Russellville AL
F1 1 Mangialardi, Sam  Sam BancorpSouth Bank Flowood MS
F1 1 Mtanous, Carlos  Carlos Banorte Monterrey MX
F1 1 Wadsworth, Jennifer  Jennifer Wauchula State Bank Wauchula FL

Tags: GSBLSU 2015, 2015 GSBLSU Bank Sim WInners, GSBLSU Bank simulaion

2016 Banking Outlook Conference

Posted by Don Woodland on Dec 18, 2015 2:30:51 PM


GSBLSU at FRB Banking Outlook 2016 AtlantaThe Graduate School of Banking at LSU is again working with the Federal Reserve Bank of Atlanta in the presentation of their annual Economic Outlook Conference.  The conference will be held in the bank’s home office in Atlanta on Thursday, February 25, 2016.  The link for registration for the Federal Reserve Bank Economic Outlook Conference ishttps://www.frbconferences.org/atlanta/16banking

 

The School will present a panel of bankers which will address current issues facing senior management.  The panelist are:

  • Hugh Dailey, President and CEO, Community Bank & Trust, Ocala, FL
  • Jim Edwards, President and CEO, United Bank, Griffin, GA
  • Drake Mills, Chairman and President, Community Trust Financial Corp., Ruston, LA

 FRBA_bankingoutlookcon_113015_mailer

The President-elect of the School, Mark Holladay, Executive Vice President and Chief Credit Officer of Synovus Financial Corporation, Columbus, GA will moderate a panel of regulators from the various agencies.

A block of rooms is reserved at the Hyatt Atlanta Midtown (404)443-1234 which is on the opposite corner from the Fed.  Mention the bank when you are making reservations. 

We hope to see you in Atlanta next February.  

Click image below to open mailer in pdf.

FRB_Banking_Outlook_16_mailer_image.jpg

Tags: 2016 Banking Outlook, Banking Outlook conference, FRB 2016 Banking Outlook

New GSBLSU Course for 2016 Session

Posted by Don Woodland on Nov 24, 2015 10:30:00 AM

Even though our students participate in over 70 hours of classroom work in their three years on campus, constant changes in the industry make it challenging to address frequently- changing issues that are important to the successful operation of a bank. While these issues may be very important they often do not justify the attention of a full five-day course.

 A new course will be introduced at the 2016 session entitled ”Current Banking Issues” which will identify and address new topics in banking that are not covered in other courses. This course will be headed by Jeff Szyperski, President of Chesapeake Bank and Bruce Whitehurst, President of the Virginia Bankers Association. Both Jeff and Bruce are heavily involved in working with legislators, regulators and others to promote the efficiency and well-being of the industry and bring to the school many years of practical experience.

The topics of the course will vary from year to year to recognize changes in the banking and financial environment. We have high expectations for this course.

 

Apply to GSBLSU

Tags: GSBLSU 2016

Enhancing the Learning Experience at GSB

Posted by Don Woodland on Nov 9, 2015 10:46:41 AM

GSBLSU 2016 course revisionsEnhancing the learning experience at the Graduate School of Banking at LSU does not always involve the introduction or elimination of courses from the curriculum but sometimes it is necessary to modify material covered in courses because industry and/or regulatory changes result in two or more courses addressing the same or similar issues although from different perspectives.

          It became apparent at the last session that the courses in Strategic Planning and Information Technology have many topics in common because regulations now require a bank’s strategic plan to include its technology plan.

          At the 2015 session, the leaders of the Strategic Planning and Information Technology courses visited each other’s classes and identified the areas overlapping, and this duplication will be eliminated at the next session in May 2016.  Both courses were very well received by the students last year, and we expect an even more positive response next year.

Apply to GSBLSU

 

Tags: GSBLSU 2016