THURSDAY, SEPTEMBER 15TH

7:00am – 9:00pm - Registration Desk Open

7:00am - Coffee with Exhibitors

7:00am – 3:00pm - Exhibitors Booths Open

7:30am - Breakfast

7:45am - What Do the Financial Markets Think, Now?- Jim Reber, ICBA Securities- Grand Ballroom 2nd floor

As we enter the homestretch for 2022, the Federal Reserve continues to work on executing a soft landing, by maintaining a strong posture to get inflation expectations right-sized. As the employment picture evolves, the financial markets are continuing to vote with their return expectations. This session will provide an update on the bond market, and what it is telling us regarding projected returns into 2023 and beyond.  

8:30am - Refreshment Break with Exhibitors

8:45am- How do Banks Prosper During Uncertain Economic Times?- David Kemp- Grand Ballroom 2nd floor

Bank’s must be prepared to address the inevitable pressures to boost bank earnings by booking additional earning assets.  Historically, maintaining asset quality has been a challenge during times of economic uncertainty.  Relationship Banking may be the key to our future success, as we focus on strengthening our relationships with our “GOOD” customers.  As always, this starts with having in place a Knowledgeable & Motivated staff.  Leadership at the Board and Executive Management level will be the key to success. 

9:45am - Refreshment Break with Exhibitors

10:15am - Concurrent Sessions

• Breakout Session-Agricultural Update. - Larry Daniel- Crystal Room
• Breakout Session- Crypto 101 and Digital Currency - Scott Green, Ballinese

With all time high interest in a digital assets and talk of central bank digital currencies, this session puts them in context and provides a framework for further study. We review cryptocurrencies as a class of digital asset and contrast them with likely attributes of a central bank digital currency. We explore decentralized finance, and how participating with it may help community banks attract and retain clients.

11:00am - Refreshment Break with Exhibitors

11:15am - Concurrent Sessions

• Breakout Session- How Data, Analytics, and Scoring Models Drive Profitable Originations- Dan Richard, Crystal

Learn how to leverage big data, analytics, and scoring models to originate high-quality, profitable unsecured loans. This session will provide insight into a highly quantitative approach to lending that will prove valuable whether your bank already leverages similar methods or is considering a FinTech partnership to do so. 

• Breakout Session- Cybersecurity Strategy: Awareness vs. Fear- Jeremy Pogue- Balinese

We all hear about the latest attack that sparks new fears and oversight from regulators, possibly even new requirements from cyber insurance providers. We need to focus on first things first. Start with cybersecurity fundamentals. Doing so can mitigate over 85% of cyber-attacks and up to 99% of account compromises. What fundamentals? Which ones are too often overlooked? Join us in this session as we provide actionable strategies to take back to your bank. 

12:00pm - Refreshment Break with Exhibitors

12:30pm - Lunch

 The Unique Voice of Community Banking- Brad Bolton, ICBA Chairman

An update on ICBA’s regulatory and legislative agenda, along with addressing other community banking issues facing com­munity banks

1pm - 2pm - General Session      

2:00pm - CBAO Annual Meeting

5:00pm - Gala Celebration

This exciting evening will consist of a cocktail reception, Horizon Bankers’ fundraiser, live auction with auctioneer Morgan Hopson, celebration of leadership and dinner. Make sure you don’t miss this evening of fun! It is a great way to enjoy yourself, see old friends and make some new, and celebrate the people who have made CBAO a true success. We are also very excited to have singer songwriters perform at this year’s Gala. This year's singer songwriters will be Wendell Mobley, Paul Overstreet, and Jim Collins. This is a unique opportunity to hear the stories behind how some of the most beloved songs came to fruition and sung by country legends.