The Bank Account

Bryan Cave Leighton Paisner LLP Partners Robert Klingler, Karen Fries and Mike Royle discuss the basics of the Paycheck Protection Program, the SBA's small business forgivable loan program under the CARES Act.

Host Rob Klingler is joined by Jim McAlpin and Ken Achenbach discuss how many community bank boards are directly involved in the approval of loans to customers, and why that remains so despite many reasons to stop that practice. 

On today's episode host Rob Klingler is joined by Bryan Cave Leighton Paisner attorney Kevin Strachan to discuss various ways that a private company can use its stock as merger consideration. For your convenience, below are the shows that Rob mentioned in our intro: https://bankbclp.com/2017/09/putting-success-succession/ https://bankbclp.com/2016/12/the-bank-account-walt-moeling/  

On this episode, hosts Jonathan Hightower and Rob Klingler discuss what it might be like to serve as a Chief Strategy Officer and delve into current banking news.

On today's episode hosts Jonathan Hightower and Rob Klingler discuss a variety of banking news and updates from the last part of 2018. We hope you enjoy the episode and have a very happy new year!

On this episode, hosts Jonathan Hightower and Rob Klingler discuss recent regulatory reform.

Following a 3-month summer hiatus, hosts Jonathan Hightower and Rob Klingler were joined in The Bank Account studio today by Terry Ammons, a partner with PKM and the host of PKM's recently launched podcast GroundBanking, which features both banking and fintech experts as they discuss the challenges and opportunities in today's financial services industry.

On this, our 50th episode, hosts Jonathan Hightower and Rob Klingler discuss recent M&A activity and the overall banking landscape in the metro-Atlanta market.

Hosts Jonathan Hightower and Rob Klingler discuss their experience running a Ragnar Trail Relay last week with some good clients and friends in the banking industry and touch on an article written by Hilary Burns in The American Banker this week on multiple bank charters.

On this week's episode of The Bank Account, hosts Jonathan Hightower and Rob Klingler are joined by Barry Hester to discuss some new developments at the firm - our recent merger with London-based firm, Berwin Leighton Paisner LLP, forming Bryan Cave Leighton Paisner LLP, as well as Barry's return to the team.

On today's episode, hosts Jonathan Hightower and Rob Klingler discuss deal protections and considerations - from the initial emotions of deciding to sell through signing.

On today's episode hosts Jonathan Hightower and Rob Klingler get back into the swing of podcasting in our studio after a brief hiatus and the Acquire or Be Acquired conference. Their primary topic of conversation is the effort many in the industry are making at putting their tax savings to good use.

In our fourth and final podcast recorded onsite at Bank Director's Acquire or Be Acquired (AOBA) conference, hosts Jonathan Hightower and Rob Klingler were joined by Jay Wilson with Mercer Capital who wrote the book on bank-fintech partnerships.

On this episode, our third of four episodes recorded at the Acquire or Be Acquired conference, hosts Jonathan Hightower and Rob Klingler were joined by Bill Wagner and Matt Paramore from Raymond James to discuss their outlook for 2018 in bank M&A.

Our hosts, Jonathan Hightower and Rob Klingler, were joined for this installment of The Bank Account by their co-presenters from the M&A Simulation at the 2018 Acquire or Be Acquired conference, Matt Veneri and Dan Flaherty from FIG Partners. Their discussion highlighted themes from this highly interactive, banker-only session at the conference.

While at Bank Director's Acquire or Be Acquired conference in Phoenix, AZ this weekend, hosts Jonathan Hightower and Rob Klingler sat down with Rory McKinney from D.A. Davidson to discuss his outlook for bank M&A in 2018. Jonathan and Rob also took a few moments at the outset to give their highlights and primary takeaways from Day One of the conference.

On today's episode of The Bank Account, hosts Jonathan Hightower and Rob Klingler discuss the recent tax policy changes and conduct a brief analysis of 2017 bank M&A.

Suzanne Donner and Bill Walton from DHG Financial Services join host Rob Klingler to discuss DHG's new community banking report on today's podcast.

On today's episode, hosts Jonathan Hightower and Rob Klingler are joined by Bryan Cave partner Jena Valdetero to discuss cybersecurity and data breaches.

On this episode hosts Jonathan Hightower and Rob Klingler discuss the current status of both regulatory reform and tax reform in Congress and what's potentially in store for banks. Towards the end of their conversation, they delve into particular concerns for S corporations.

Hosts Jonathan Hightower and Rob Klingler discuss the challenges faced by banks that cannot find traditional buyers and some possible alternatives for those banks.

On today's episode hosts Jonathan Hightower and Rob Klingler discuss an assortment of recent regulatory news for banks.

Hosts Jonathan Hightower and Rob Klingler are joined by colleague Jerry Blanchard to discuss Wednesday's announcement by regulators of a proposal to simplify the capital rules. Related Articles: Basel III Treatment of DTAs and MSAs - http://bankbryancave.com/2017/10/basel-iii-proposed-simplification-dta-msa-treatment/ HVCRE Gets a Reboot - http://bankbryancave.com/2017/09/hvcre-gets-reboot/

On today's podcast, hosts Jonathan Hightower and Rob Klingler draw on their personal experience at Bryan Cave and the experiences of their bank clients for a discussion about succession planning.

Hosts Jonathan Hightower and Rob Klingler are joined on this episode by colleagues Sean Christy and Ken Achenbach to discuss the opportunity for banks to join forces to purchase outsourced services and invest in technology platforms together. By working together, banks can leverage buying power and share the burden associated with evaluating their vendor options. https://www.americanbanker.com/news/a-path-forward-for-tellers-as-branch-visits-decline

On today's podcast, hosts Jonathan Hightower and Rob Klingler discuss the kickoff to the college football season and delve further into Jonathan's article on BankBryanCave.com this week responding to a WSJ Op-Ed by fellow lawyer Thomas Vartanian on the impact the regulatory environment has on bank board members. Links: http://bankbryancave.com/2017/08/counterpoint-why-sane-people-serve-as-bank-directors/ https://www.wsj.com/articles/why-would-anyone-sane-be-a-bank-director-1503960852

Bryan Cave attorney Jerry Blanchard joins hosts Jonathan Hightower and Rob Klingler in the studio today to discuss High Volatility Commercial Real Estate (HVCRE) loans.

Host Jonathan Hightower is joined by Ken Achenbach to discuss this week's proposed guidance from the Federal Reserve on the effectiveness of bank boards. In addition, at the outset of the episode Jonathan and Ken reviewed this week's CFPB report on frequent overdrafters.

On today's episode Jonathan Hightower and Rob Klingler discuss how to handle unsolicited offers for your bank.

In today's episode Jonathan Hightower and Rob Klingler look back at their predictions for bank M&A in 2017 and discuss the first half of the year for the industry.

Hosts Jonathan Hightower and Rob Klingler are joined for today's episode by Kevin Strachan, an attorney in Bryan Cave's Financial Services Corporate and Regulatory practice, to discuss proxy advisors ISS and Glass Lewis as well as corporate governance issues generally.

Jim McAlpin joins host Jonathan Hightower to discuss the steps that banks should take to ensure effective strategic planning sessions, along with common mistakes that banks make in approaching the planning process.

Ken Achenbach and Sean Christy, attorneys in Bryan Cave's Atlanta office, discuss how regulatory supervision of third party service providers will impact banks on today's episode.

Bryan Cave's Ken Achenbach joins hosts Jonathan Hightower and Rob Klingler to discuss the data-driven marketing of credit products by financial services companies.

Hosts Jonathan Hightower and Rob Klingler discuss recent capital raises and techniques used to preserve deferred tax assets.

On today's episode hosts Jonathan Hightower and Rob Klingler discuss Jonathan's visit to Washington, D.C. with a delegation of bankers earlier this week. They also take a close look at the CFPB's small business lending initiative and the related RFI that was issued last week. Click on the link below to access the RFI. Jonathan and Rob encourage all bankers to respond. Request for Information Regarding the Small Business Lending Market: https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/201705_cfpb_RFI_Small-Business-Lending-Market.pdf

Hosts Jonathan Hightower and Rob Klingler are joined on today's episode by Bryan Cave partner Steve Schaffer to discuss the advantages to banks considering implementing an ESOP. Steve describes how ESOPs can not only be used to provide an employee benefit, but also to allow for smooth transitions of ownership for independent banks.

Being in the season for shareholder meetings, hosts Jonathan Hightower and Rob Klingler take the opportunity to discuss tips for how to approach challenging shareholders or circumstances at your annual meetings.

Today's episode takes a look at the recently-announced move by Bank of the Ozarks to dissolve their bank holding company. Jonathan Hightower and Rob Klingler delve into the pros and cons for other banks considering a similar course of action.

Jonathan Hightower and Rob Klingler are joined by Stan Koppel, an attorney from Bryan Cave's San Francisco office, to discuss payments systems employed by banks around the country. Stan shares his background and touches on what's working now and what's ahead in the payments world for financial institutions.

Hosts Jonathan Hightower and Rob Klingler take a closer look at banking industry consolidation on today's episode. They did a deep dive into the numbers and trends we've seen over the past 10 years in the industry and share their analysis. Corresponding blog post: http://www.bankbryancave.com/2017/04/landscape-of-the-u-s-banking-industry/ Three additional prior blog posts on related topics: http://bankbryancave.com/2016/07/economies-of-scale-encourage-continued-consolidation/ http://www.bankbryancave.com/2015/10/the-state-of-banking-in-georgia-2015-vs-2005/ http://bankbryancave.com/2015/10/the-state-of-banking-in-atlanta-2015-vs-2005/

Jonathan Hightower and Rob Klingler are joined by Walt Moeling for a lively discussion that navigates recent attention bank regulators have given to sales tactics. They also cover some of the latest bank M&A activity during the episode.

Ken Achenbach and Crystal Homa, attorneys in Bryan Cave's Financial Services Corporate & Regulatory team, join hosts Jonathan Hightower and Rob Klingler to discuss the current proposed legislative changes for banks chartered in the state of Georgia. Mentioned in the episode: Link to The Bank Account episode about the role of bank directors post FDIC v. Loudermilk: https://www.blubrry.com/thebankaccount/18280413/reimagining-your-boards-function/ Link to Crystal's blog post on the Georgia Department of Banking and Finance's Housekeeping Bill's revision to the existing Georgia Code section regarding deposits by minors: http://www.bankbryancave.com/2017/03/parents-not-banks-should-aim-for-empty-nests/

On this episode, Jonathan Hightower and Rob Klingler are joined by Bryan Cave Sourcing and Strategic Services partner Sean Christy to discuss advanced strategies for negotiating with key technology providers. Jonathan and Rob also discuss the busy week in banking news. Quick correction: The Fed's relief for financial stability analysis is for deals that involve a resulting firm with less than $100 billion in assets and that involve an acquisition of less than $10 billion in assets (not deal value), up from thresholds of $25 billion and $2 billion, respectively. Sean Christy's Biography: https://www.bryancave.com/en/people/sean-d-christy.html 3/16/17 Blog Post on the OCC Fintech Bank Charter: http://bankbryancave.com/2017/03/occ-moves-forward-fintech-bank-charters/

On today's episode Jonathan Hightower and Rob Klingler discuss the impact of high stock prices on bank M&A.

Kevin Strachan joins host Jonathan Hightower to discuss ideas for banks to highlight community involvement in their shareholder meetings. Below are links to some resources mentioned in the show. Financial Choice Act 2.0 Blog Post: http://www.bankbryancave.com/2017/02/impact-proposed-regulatory-off-ramp-community-banks/ Podcast: https://www.americanbanker.com/podcast/should-banks-spell-out-how-they-invest-customer-deposits Synovus Commercials: https://www.youtube.com/watch?v=VrGrSpT86AI and https://www.youtube.com/watch?v=B-aYd6G3F2g

Jim McAlpin, leader of the Financial Services group at Bryan Cave, and Dan Wheeler, leader of the Fintech team, join hosts Jonathan Hightower and Rob Klingler on today's episode to discuss the impact of financial technology on retail banking.

Jim McAlpin, leader of the Financial Services Client Service Group at Bryan Cave, joins hosts Jonathan Hightower and Rob Klingler on today's episode to discuss Acquire or Be Acquired, the industry's premier M&A conference.

On Sunday, January 22 Pinnacle Financial Partners announced its biggest acquisition yet - the $2 billion purchase of BNC Bancorp, the holding company of the Bank of North Carolina, in an all-stock transaction. Jonathan Hightower and Rob Klingler spend this episode walking through the details of the transaction and what's to come.

Hosts Jonathan Hightower and Rob Klingler discuss options for growth outside traditional M&A, in particular lift-outs.  Topics include the practical and legal approaches to attracting lift-out opportunities, as well as defending recruiting by competitors.

Walt Moeling, 40 year veteran bank advisor, joined hosts Jonathan Hightower and Rob Klingler on today's podcast to discuss the current state of the industry and his predictions and comments on what's to come.