Any period of falling rates can be difficult for a banker in terms of managing the net interest margin. But, a Fed Funds rate of .25% is something none of us have had to deal with in our careers and working through just that problem would be challenging by itself. Add on the challenging economy, the sub-prime mortgage mess, and a real increase in non-performing loans and you truly do have the Perfect Storm. Our session will describe the events leading up to this challenge then look at the ways banks are meeting this difficult environment through active management of Liquidity, Capital, and Loan Work-Outs. Please join us for this informative session.