The Bank Account

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The Bank Account is a banking industry-focused podcast series produced by a team of financial services lawyers at Bryan Cave Leighton Paisner.

Robert Klingler


    • Apr 18, 2020 LATEST EPISODE
    • infrequent NEW EPISODES
    • 19m AVG DURATION
    • 57 EPISODES


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    Latest episodes from The Bank Account

    Introduction to Paycheck Protection Program Loans

    Play Episode Listen Later Apr 18, 2020


    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.

    Why Boards Shouldn't Approve Loans

    Play Episode Listen Later Jun 3, 2019


    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. 

    Private Company Stock as Merger Consideration

    Play Episode Listen Later May 10, 2019


    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/  

    Chief Strategy Officer's First Day on the Job

    Play Episode Listen Later Feb 1, 2019


    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.

    A Holiday Buffet of Banking News

    Play Episode Listen Later Dec 28, 2018


    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!

    Acronym Soup: A Discussion of Regulatory Reform

    Play Episode Listen Later Oct 1, 2018


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

    We're Back! And Having a Conversation with Terry Ammons

    Play Episode Listen Later Aug 17, 2018


    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.

    Hometown Discussion - The Atlanta Banking Landscape

    Play Episode Listen Later May 15, 2018


    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.

    Ragnar! (and a bit about Banking...)

    Play Episode Listen Later Apr 20, 2018


    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.

    Introducing Barry Hester and BCLP

    Play Episode Listen Later Apr 6, 2018


    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.

    Getting to Yes: A Conversation about Deal Certainty

    Play Episode Listen Later Mar 2, 2018


    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.

    Reinvestment Opportunities Created by Tax Reform

    Play Episode Listen Later Feb 16, 2018


    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.

    Bank-Fintech Partnerships - Our Final AOBA Installment

    Play Episode Listen Later Feb 5, 2018


    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.

    Raymond James on 2018 Banking Trends

    Play Episode Listen Later Feb 1, 2018


    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.

    M&A Simulation Recap from AOBA 2018

    Play Episode Listen Later Jan 29, 2018


    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.

    2018 Industry Outlook with Rory McKinney from D.A. Davidson at AOBA

    Play Episode Listen Later Jan 29, 2018


    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.

    Recent Developments and End of Year M&A Analysis

    Play Episode Listen Later Dec 29, 2017


    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.

    Bank CEOs' Success Strategies -- A Conversation with DHG Financial Services

    Play Episode Listen Later Dec 15, 2017


    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.

    Data Breach Discussion with Jena Valdetero

    Play Episode Listen Later Dec 11, 2017


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

    Current Status of Both Regulatory Reform and Tax Reform for Banks

    Play Episode Listen Later Nov 21, 2017


    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.

    All Dressed Up With No Place To Go

    Play Episode Listen Later Nov 3, 2017


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

    Potpourri of Bank Regulatory News

    Play Episode Listen Later Oct 13, 2017 22:39


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

    Adding HVADC to Our Banking Alphabet Soup

    Play Episode Listen Later Sep 28, 2017 15:59


    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/

    Putting the Success in Succession

    Play Episode Listen Later Sep 22, 2017 24:19


    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.

    Stronger Together: Gaining Efficiency Through Shared Services

    Play Episode Listen Later Sep 8, 2017 16:11


    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

    The Sanity of Bank Directors

    Play Episode Listen Later Sep 1, 2017 24:29


    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

    HVCRE: The Continuing Saga for Lenders

    Play Episode Listen Later Aug 18, 2017 15:51


    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.

    Regulators Tackle Board Effectiveness and Overdrafts

    Play Episode Listen Later Aug 4, 2017 23:07


    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.

    Dealing with an Unsolicited Offer

    Play Episode Listen Later Jul 21, 2017 15:25


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

    Midyear Banking Review

    Play Episode Listen Later Jul 7, 2017 0:17


    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.

    What are ISS and Glass Lewis and Why Should My Bank Care?

    Play Episode Listen Later Jun 30, 2017 18:38


    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.

    The Strategy Behind Strategic Planning

    Play Episode Listen Later Jun 26, 2017 24:38


    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.

    Revisiting Vendor Negotiations through a Regulatory Lens

    Play Episode Listen Later Jun 20, 2017 16:55


    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.

    Convenience vs. Compliance: Behavior-Driven Marketing of Credit Products

    Play Episode Listen Later Jun 9, 2017 18:38


    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.

    Preserving Deferred Tax Assets in a Capital Raise

    Play Episode Listen Later Jun 5, 2017 18:40


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

    The CFPB's Small Business Lending Initiative

    Play Episode Listen Later May 12, 2017 17:30


    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

    ESOPs: A Path to Bank Independence

    Play Episode Listen Later May 5, 2017 18:32


    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.

    Order in the Meeting: Dealing with Difficult Shareholder Meetings

    Play Episode Listen Later Apr 27, 2017 17:23


    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.

    Do Banks Still Need Holding Companies?

    Play Episode Listen Later Apr 21, 2017 25:50


    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.

    Thoughts on Payments Systems for Banks

    Play Episode Listen Later Apr 13, 2017 19:11


    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.

    The Truth About Industry Consolidation

    Play Episode Listen Later Apr 7, 2017 36:36


    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/

    How to Establish a Sustainable Sales Culture

    Play Episode Listen Later Mar 31, 2017 18:12


    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.

    Georgia on My Mind: A Special GA Edition of The Bank Account

    Play Episode Listen Later Mar 28, 2017 24:39


    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/

    The Strategic Approach to Vendor Negotiations

    Play Episode Listen Later Mar 17, 2017 26:06


    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/

    Riding the High Stock Price Wave

    Play Episode Listen Later Mar 7, 2017 20:29


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

    Selling Your Mission to Shareholders

    Play Episode Listen Later Feb 24, 2017 11:51


    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

    Roundtable Discussion about the Future of Retail Banking

    Play Episode Listen Later Feb 10, 2017 22:29


    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.

    AOBA Takeaways

    Play Episode Listen Later Feb 4, 2017 19:48


    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.

    Deal Announcement of the Month: Pinnacle's Acquisition of BNC

    Play Episode Listen Later Jan 24, 2017 16:11


    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.

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

    Play Episode Listen Later Jan 17, 2017 21:49


    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's Thoughts on the Banking Industry

    Play Episode Listen Later Dec 27, 2016 22:22


    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.

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