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Georgia on my Mind: Changes in Banking Laws

March 29, 2017

Authors

Robert Klingler

Georgia on my Mind: Changes in Banking Laws

March 29, 2017

by: Robert Klingler

the-bank-accountOn March 28, 2017, Jonathan and I sat down with Bryan Cave Colleagues Ken Achenbach and Crystal Homa in the latest episode of The Bank Account for a discussion focused on legislative changes in Georgia affecting banks, including modifications to Georgia’s business judgement rule and the Department of Banking & Finance’s Housekeeping Bill.

While the bills we discuss await the Governor’s signature (and subsequent effectiveness – July 1 for the business judgement rule change and 30 days after signature for the housekeeping bill), our team looks forward to the practical effect of these statutory changes.  As banking industry participants, we appreciate the efforts of the legislature to make Georgia an attractive state for banking.

As referenced in the

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The Strategic Approach to Vendor Negotiations

March 17, 2017

Authors

Robert Klingler

The Strategic Approach to Vendor Negotiations

March 17, 2017

by: Robert Klingler

the-bank-accountOn March 17, 2017, Jonathan and I sat down with Bryan Cave Partner Sean Christy in the latest episode of The Bank Account for a discussion of the FDIC’s Office of Inspector General’s Report on Technology Service Provider Contracts.  Before diving into the OIG report, Jonathan and I briefly discuss the potential impact on deposits with regard to the Federal Reserve’s latest increase in rates, the OCC’s draft supplement for fintech bank charters (and related BankBryanCave.com blog post), and the change in Federal Reserve policy lessening the examination of certain smaller bank mergers.

Sean is a partner in our Strategic Sourcing group, and has significant experience representing bank and other financial services providers in the negotiation of the their

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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

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 story on bank merger activity.

“We’re telling buyers to be aggressive and sellers to be thoughtful,” said Jonathan Hightower, a lawyer at Bryan Cave.

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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

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, adjunct professor at Stanford University, on a recent American Banker podcast episode.

On this episode of The Bank Account, Jonathan and Kevin touch

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BankBryanCave Version 2.0

February 23, 2017

Authors

Robert Klingler

BankBryanCave Version 2.0

February 23, 2017

by: Robert Klingler

Brickman Cleans Up!Over the last several weeks, we’ve updated the BankBryanCave.com site to a new design, new hosting service and new e-mail subscription service.  The updates have been long overdue, and should help us continue to provide interesting and useful content.  As expected, the site redesign also engendered lots of internal conversation and renewed interest in the platform.  Accordingly, I hope that the next weeks and months will continue to provide new voices and new perspectives on issues affecting community bankers.

As with the industry as a whole, we are eagerly awaiting upcoming regulatory relief and changes.  Although the changes will hopefully reduce the regulatory burden for many, change is never easy, and we intend to address what community banks will need to do to adjust to those changes.

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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

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 reactions that we’ve heard from successful community banks.

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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

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 connection with FIG Partners at AOBA. We also get in a few Super Bowl LI predictions, in expectations that our hometown Atlanta Falcons will

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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

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 Conference this coming weekend, Jonathan and I spend this episode walking through the details of the transaction and looking at what signals it may

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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

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.

Please click to subscribe to the feed on iTunes, Android, Email or MyCast. It is also now available in the iTunes and Google Play searchable podcast directories.

You can also

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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

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 and regulatory issues, capital and acquisition strategies, board disputes and dissident shareholders, as well as other strategic decisions.

Moeling has served on the board

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