Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

Capital Policy

Table of Contents

Objectives Role of Capital Responsibilities and Authorities— ALCO's Duties Definitions Capital Planning and Monitoring Capital Budgets and Modeling— Organic/Acquisitive Growth Integration with Strategic and Tactical Operating Plans

Risk Profile Assessment Impairment Exposures

Stress Testing and Concentration Risk Asset Allocation and Asset Impairment Dividends Stock Repurchase Programs Stock Options Use of Hybrid Capital Instruments Audits Board Review and Approval

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