Thursday, February 9th
11:00 AM EST
No Charge to Attend

For the past few years our industry has been overwhelmed with new deposits and this has been great for our liquidity posture. Additionally, we have seen very little demand for new loans and this has led to a remarkably liquid industry. We see this deposit overload as a function of several key issues - unlimited deposit guaranty of demand deposits, higher limits on FDIC insurance, and a dismal economy. Add that all together and throw in a very volatile equity market and it becomes clear why we are at this highly liquid stage. But, is this real or the product of unusual influences? We think that our industry will begin to see a significant reduction in liquidity as our depositors find better yield solutions than we can offer and we believe this will begin occurring in 2012. Though lots of questions still surround our economic recovery, this too will improve and all of this will eventually lead to our deposit "norm" - too little to support our model.

Join Jay Stillman, Eric Nelson, and Karl Nelson as they discuss how bankers will adapt to these changes in 2012 and how we can protect ourselves from regulators who desire to see much more "meat" on the bone of non-core funding policies.

We look forward to providing free educational webinars throughout the year.

Please click here to register for this complimentary informative session.