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New Year, New You – What’s on Your Bank’s List of New Year’s Resolutions?

December 27, 2017

Authors

Crystal Homa

New Year, New You – What’s on Your Bank’s List of New Year’s Resolutions?

December 27, 2017

by: Crystal Homa

With the end of the year approaching, it is time to start looking forward to 2018 and putting together that list of New Year’s resolutions. This list of annual goals can be especially important for community banks because, let’s face it, times are a-changin’ and community banks cannot afford to ignore this, especially in the face of the ostensible juggernaut that is fintech. “New Year, New You” doesn’t have to be a mantra solely for individuals; it can also be a

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Bank CEO’s Success Strategies; A Conversation with DHG Financial Services

December 15, 2017

Authors

Robert Klingler

Bank CEO’s Success Strategies; A Conversation with DHG Financial Services

December 15, 2017

by: Robert Klingler

the-bank-accountOn the latest episode of The Bank Account, I had a conversation with Suzanne Donner and Bill Walton of DHG Financial Services to discuss their new whitepaper on the insights of top performing community bank CEOs.   DHG Financial Services conducted a series of interviews with the CEOs of 22 top performing community banks and has compiled their insights into a fantastic white paper.  I was honored to receive

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Do you have an ATM-oriented board in an increasingly iPhone-oriented world?

July 13, 2017

Authors

Jim McAlpin

Do you have an ATM-oriented board in an increasingly iPhone-oriented world?

July 13, 2017

by: Jim McAlpin

In the run up to the Fourth of July holiday, you may have missed that June 27 was the 50th anniversary of the first ATM and June 29 was the 10th anniversary of the first iPhone.  I was struck by the coincidence of these two anniversaries occurring in the same week.  It also caused me to revisit in my mind a concern that has been growing for some time.

During several recent bank board retreats and strategic planning

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Planning for Strategic Planning Session

June 27, 2017

Authors

Robert Klingler

Planning for Strategic Planning Session

June 27, 2017

by: Robert Klingler

the-bank-accountWhile I continued on a family vacation (which was totally worthwhile), Jonathan and Jim McAlpin recorded an episode of The Bank Account looking at planning a strategic planning session for your bank.  Jonathan and Jim cover a wide array of topics based on their collective experience in assisting dozens of banks with their strategic planning.

Among the multitude of topics covered include:

  • thinking about shareholder interests in strategic
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Considering a Sale of the Bank? Don’t Forget the Board’s Due Diligence

July 12, 2016

Authors

Jim McAlpin and Michael Shumaker

Considering a Sale of the Bank? Don’t Forget the Board’s Due Diligence

July 12, 2016

by: Jim McAlpin and Michael Shumaker

In today’s competitive environment, some bank directors may view an acquisition offer from another financial institution as a relief. With directors facing questions of how to gain scale in the face of heightened regulatory scrutiny, increased investor expectations, and general concerns about the future prospects of community banks, a bona fide offer to purchase the bank can change even the most entrenched positions around the board table.

So, how should directors evaluate an offer to sell the bank? A good starting place is to consider the institution’s strategic plan to identify the most meaningful aspects of the offer to the

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How to Get the Most out of Annual Board Reviews

January 12, 2016

Authors

Jim McAlpin and Michael Shumaker

How to Get the Most out of Annual Board Reviews

January 12, 2016

by: Jim McAlpin and Michael Shumaker

There has never been a more challenging time to be a bank director. The combination of today’s hugely competitive banking market, increased regulatory burden and rapid technological developments have raised the bar for director oversight and performance. In response, an increasing number of community banks have begun to assess the performance of directors on an annual basis.

Evaluation of board performance is done in many ways, and ranges from an assessment by the board of its performance as a whole to peer-to-peer evaluation of individual directors. Public company boards are increasingly being encouraged by institutional investors and proxy advisory firms

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The Link Between Board Diversity and Smart Business

August 19, 2015

Authors

Jim McAlpin and Michael Shumaker

The Link Between Board Diversity and Smart Business

August 19, 2015

by: Jim McAlpin and Michael Shumaker

Our time is one of rapid technological and social change. The baby boom generation is giving way to a more diverse, technology-focused population of bank customers. In conjunction with the lingering effects of the Great Recession, these changes have worked to disrupt what had been a relatively stable formula for a successful community bank.

Corporate America has looked to improve diversity in the boardroom as a step towards bringing companies closer to their customers. However, even among the largest corporations, diversity in the boardroom is still aspirational. As of 2014, men still compose nearly 82 percent of all directors of

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Ownership Succession for Family-Owned Banks: Building the Right Estate Plan

April 28, 2015

Authors

Kimberly Civins and Michael Shumaker

Ownership Succession for Family-Owned Banks: Building the Right Estate Plan

April 28, 2015

by: Kimberly Civins and Michael Shumaker

For a number of community banks, the management and ownership of the institution is truly a family affair. For banks that are primarily controlled by a single investor or family, these concentrated ownership structures can also bring about significant bank regulatory issues upon a transfer of shares to the next generation.

Unfortunately, these regulatory issues do not just apply to families or individuals that own more than 50 percent of a financial institution or its parent holding company. Due to certain presumptions under the Bank Holding Company Act and the Change in Bank Control Act, estate plans relating to the

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Keys to Success in the FDIC’s Definition of Community Bank

July 10, 2013

Authors

Dan Wheeler and Jonathan Hightower

Keys to Success in the FDIC’s Definition of Community Bank

July 10, 2013

by: Dan Wheeler and Jonathan Hightower

In a recent strategic planning meeting, a bank chairman opined that “community banking is dead.” He is not the only banker and his is not the only bank grappling with this concern. After that meeting, we solicited the input of many of our peers in the industry. Were increasing expenses and shrinking margins killing community banks? Was the ever-quickening pace of technology too much for community banks to overcome? Were the building regulatory demands insurmountable for community banks? As we asked our peers these questions, many of them gave multi-faceted answers based on different assumptions of

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The Bank Director’s Approach to M&A: Stay Out of Hot Water

November 30, 2012

Authors

Jonathan Hightower

The Bank Director’s Approach to M&A: Stay Out of Hot Water

November 30, 2012

by: Jonathan Hightower

In today’s environment, many bank directors are faced with difficult strategic decisions regarding the future of their organizations. We have been involved in many great board discussions of whether it is best for the bank to continue to grind away at its business plan in this slow growth environment or to look for a business combination opportunity that will accelerate growth. There is rarely a clear answer in these discussions, but some guidelines are helpful: All directors must respect the conclusion of the full board of directors and follow the appropriate process established by the board

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