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Riding the High Stock Price Wave

March 8, 2017

Authors

Robert Klingler

Riding the High Stock Price Wave

March 8, 2017

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_13.mp3

the-bank-accountOn March 7, 2017, Jonathan and I recorded lucky episode 13 of The Bank Account where we discussed the implications of stock prices, particularly in connection with bank mergers.  We note that the current levels of stock pricing in the banking sector appears to be driven by expectations for higher interest rates, tax reform, and regulatory relief, in that order of likelihood and importance.  We also note that if these expectations aren’t achieved, bank stock prices are likely to take a hit.

As mentioned on the podcast, Jonathan was recently quoted in an American Banker

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Selling Your Mission to Shareholders

February 27, 2017

Authors

Robert Klingler

Selling Your Mission to Shareholders

February 27, 2017

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_12.mp3

the-bank-accountOn Friday, February 24, 2017, Jonathan sat down with our colleague, Kevin Strachan, to discuss ideas for banks to highlight community involvement in their shareholder meetings.  As mentioned during the podcast, I had the pleasure of judging the next generation of transactional lawyers at a LawMeets competition hosted by Emory Law School, but I enjoyed consuming this podcast as a listener.

Before diving into shareholder engagement, Jonathan and Kevin also comment briefly on the leaked Hensarling memo on version 2.0 of the Choice Act, and some of the “interesting” banking ideas expressed by Bruce Cahan,

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Roundtable on the Future of Retail Banking

February 12, 2017

Authors

Robert Klingler

Roundtable on the Future of Retail Banking

February 12, 2017

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_11.mp3

the-bank-accountOn Friday, February 10, 2017, Jonathan and I sat down with our partners, Jim McAlpin, head of Bryan Cave’s Financial Services practice, and Dan Wheeler, head of Bryan Cave’s Fintech practice, to discuss the impact of financial technology on retail banking.  Like branching strategies, there isn’t necessarily one universally correct strategy with how community banks should address financial technology, but ignoring fintech completely is unlikely to be a viable long-term strategy.

On this episode of The Bank Account, Jonathan, Jim, Dan and I explore some possible approaches for addressing fintech, and relay some of the

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Acquire or Be Acquired 2017 Takeaways

February 3, 2017

Authors

Robert Klingler

Acquire or Be Acquired 2017 Takeaways

February 3, 2017

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_10_-_NEW.mp3

the-bank-accountJoining everyone else, we offer our takeaways from BankDirector’s 2017 Acquire or Be Acquired Conference, but we think we might be the first/only podcast recap of AOBA! Bryan Cave’s head of Financial Services, Jim McAlpin, joins Jonathan and me in a free ranging discussion of the conference in Episode 10 of The Bank Account.

Specific topics include some thoughts on KBW’s opening remarks, comments on the investor panel and keynote speech from US Bank’s Richard Davis, a discussion of the future of community banks and fintech, and a recap of the M&A simulation run in

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Pinnacle Financial’s Acquisition of BNC Bancorp

January 24, 2017

Authors

Robert Klingler

Pinnacle Financial’s Acquisition of BNC Bancorp

January 24, 2017

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_9.mp3

Our new podcast recording studio features fake palm trees and an oaken barrel (off camera), neither of which likely materially impacts Episode 9 of The Bank Account.  Nonetheless, Jonathan and I enjoyed the change in scenery as we discussed the just announced $1.9 billion merger of Pinnacle Financial Partners, headquartered in Nashville, Tennessee, and BNC Bancorp, headquartered in High Point, North Carolina.

In addition, we recorded the episode with a new microphone.  Unfortunately, I’m not sure the new microphone makes us sound any smarter, but it definitely improves the sound quality!

In anticipation of our presentation of a bank merger simulation at Bank Director’s Acquire or Be Acquired

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Lift-Outs: The Rules of the Game and Playing to Win

January 17, 2017

Authors

Robert Klingler

Lift-Outs: The Rules of the Game and Playing to Win

January 17, 2017

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_8.mp3

the-bank-accountStraight from the heart of the “crime infested” fifth Congressional District of Georgia, Jonathan and I managed to safely convene for a discussion on lift-outs of bank employees in Episode 8 of The Bank Account.

Lift-outs offer a potential M&A-lite approach to further growth, and when done correctly, can result in a win-win-win for the hiring bank, the affected employee, and the bank the employee is leaving. Among the topics discussed, we cover the practical and legal approaches to attracting lift-out opportunities, as well as defending recruiting by competitors.

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Walt Moeling Joins The Bank Account

December 28, 2016

Authors

Robert Klingler

Walt Moeling Joins The Bank Account

December 28, 2016

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_7.mp3

the-bank-accountJonathan and I were joined by the godfather of banking law, our Senior Partner, Walt Moeling for Episode 7 of The Bank Account.

Enjoy Walt’s thoughts on where the banking industry is headed in 2017, what he sees as the biggest concerns today, what one regulatory change he would make if given carte blanche power to improve the system, and a prediction on the number of community banks in the future.

For nearly 50 years, Moeling has been with Bryan Cave and its predecessor firm in Atlanta, Powell Goldstein. Moeling has counseled financial institutions on corporate governance matters, operational

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OCC’s New FinTech Charter

December 19, 2016

Authors

Robert Klingler

OCC’s New FinTech Charter

December 19, 2016

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_6.mp3

the-bank-accountJonathan and I were joined by Ken Achenbach for Episode 6 of The Bank Account in which we discuss the OCC’s newly announced special purpose charter for FinTech companies.

Among the topics covered in this discussion are how we view the OCC’s announcement, how existing banks may want to look at the announcement, and the largest challenge that we think may emerge for FinTech companies entering the banking space.

Unfortunately, the highlight of this episode… me completely cracking up during Jonathan’s introduction… will have to wait until a later blooper reel.  It was early enough in the recording that

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Starting a New Bank

December 5, 2016

Authors

Jonathan Hightower

Starting a New Bank

December 5, 2016

by: Jonathan Hightower

piggybankOn November 29, 2016, the FDIC, as part of its Community Banking Initiative, held an outreach meeting in Atlanta.  While the FDIC has indicated that it will publish a handbook regarding applications for deposit insurance in the coming weeks (which we’ll also summarize), we thought it made sense to provide a few highlights from that meeting:

Mechanics.  The mechanics of the chartering process are the same as before.

Business Plans.  As expected, there will be greater scrutiny on business plans, making sure that banks stick to their business plans post-opening, and (not expressly stated but as translated by me) ensuring that the results of the bank’s business plan do not deviate greatly from the original projections (i.e., providing for limited ability to take advantage of natural growth in the new bank’s markets or lines

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The Financial CHOICE Act

December 2, 2016

Authors

Robert Klingler

The Financial CHOICE Act

December 2, 2016

by: Robert Klingler

http://media.blubrry.com/thebankaccount/p/content.blubrry.com/thebankaccount/The_Bank_Account_-_Episode_5.mp3

the-bank-accountJonathan and I convened after lunch (a delicious assortment of tacos) to record Episode 4 of The Bank Account.  We focused on The Financial CHOICE Act as a potential roadmap for the potential bank regulatory reforms under the Trump administration.

The Financial CHOICE Act represents the the Republican’s 2016 proposal to reform the financial regulatory system.  While Republican’s regulatory reforms may vary next year based on the change in administration (and the process of going from a proposal to enacted legislation is likely to create further changes), the Financial CHOICE Act represents a good starting place in

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