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How to buy a community bank
 

How to buy a community bank

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A defined process of buying community banks. The presentation describes considerations for individuals or groups that are seeking to buy a bank.

A defined process of buying community banks. The presentation describes considerations for individuals or groups that are seeking to buy a bank.

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    How to buy a community bank How to buy a community bank Presentation Transcript

    • How to Buy a Bank
      Step by Step Project Management of community banking M&A
      Provided by www.OwnABank.com
    • Overview
      Process Overview
      Identifying Stakeholders and Partners
      What to buy – Creating Requirements Documentation
      Due Diligence – Managing Risks
      Pricing and Valuations Factors – Bid Management
      Definitive Agreement considerations - Contracts
      Funding – Financial Management
      Regulatory Approval – Outside Risks
      Provided by www.OwnABank.com
    • Stakeholders and Business Partners
      Identification of key stakeholders
      Identification of key business partners
      Legal
      Accounting
      Compliance
      Management and Strategy Consultants
      Marketing, Branding and Messaging Consultants
      Provided by www.OwnABank.com
    • What to buy
      Identifying Targets
      Create a comprehensive requirements document
      Defining business needs
      Why size matters in banking M&A
      Understanding different Charter types
      Sources of information
      FDIC lists
      Bank and Business Brokers
      Relationships
      Provided by www.OwnABank.com
    • Conduct Due Diligence
      Creating comprehensive DD checklists
      Financials
      Compliance
      Systems, Processes and Personnel
      Understanding FDIC CALL/TFR reports
      Bank Financials – Balance Sheets, Income Statements, Loan Concentrations etc.
      CAMELS rating system
      Peer Group reviews
      Commonly neglected items
      Provided by www.OwnABank.com
    • Community Bank Valuations
      Understanding factors that impact bank valuations
      Franchise or Brand Value
      Growth rates
      Branch Network
      Lines of Business
      Operating leverage
      Understanding Multiples
      Provided by www.OwnABank.com
    • Definitive Agreements
      Seeking Legal Help
      What is a definitive agreement?
      Components of a typical DA?
      Keeping the Regulators in sight
      Managing Risk prior to Closing
      Provided by www.OwnABank.com
    • Regulatory Approvals
      Understanding the current regulatory landscape
      Creating Change of Control Applications
      New bank director considerations
      Automatic disqualifiers
      Biographical and financial data
      Business Plan changes
      Provided by www.OwnABank.com