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Access National Bank Executive Briefing 2010 Banking Outlook - Growth Capital Event
1. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital WHERE The Tower Club
Educational Series Tysons Corner, Virginia 20176
Host David Loughran
Vice President Commercial Lending
Sponsored by
dloughran@accessnationalbank.com
Access National Bank Guest Speaker Michael Clarke
Progressive Business Banking
CEO Access National Bank
www.accessnationalbank.com
(703) 871-2100
Topic BANKING AND LENDING OUTLOOK FOR 2010
What it means for small business
RSVP rkirkpatrick@accessnationalbank.com
2. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital
ISSUES FACING BANKS
Educational Series
Liquidity & Credit availability is constrained
Sponsored by
•System is under pressure to de-leverage
Access National Bank
Progressive Business Banking
www.accessnationalbank.com •Investors & Management want to payback TARP
(703) 871-2100
•Capital is being hoarded in anticipation “fix” by Congress
•Easy liquidity is gone, increased scrutiny, cost and
conditions
3. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital ISSUES FACING BANKS
Educational Series
Profitability under pressure
Sponsored by
•Carrying FDIC cost to absorb record failures
Access National Bank •Cost of capital and debt to banks is on the rise
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100 •Banks are absorbing record loan losses
•Regulatory & audit burdens on the rise
•Overhead cost reductions & layoffs
4. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital ISSUES FACING BANKS
Educational Series
Bank appetite varies borrower and type of loan
Sponsored by
•Indigestion Categories
Access National Bank Commercial Real Estate – Income Producing
Progressive Business Banking Land acquisition and development
www.accessnationalbank.com Construction Loans
(703) 871-2100
Residential Equity Loans
Non-prime residential mortgages
Consumer loans
•Appetite remains at healthy banks for
Commercial & Industrial Loans
Prime Residential
5. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
ISSUES FACING BANKS
Growth Capital
PR and Expectations Challenged
Educational Series
•New business has taken a back seat
Sponsored by
•Internally focused on problems and cost saving measures
Access National Bank
Progressive Business Banking •News stream is ALL negative
www.accessnationalbank.com
(703) 871-2100
•Banks have been declared the “villains’” of this crisis
•TARP-ed and feather-ed
•Best to keep head down and lay low
6. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Issues Facing Borrowers
Growth Capital Managing through the “Great Recession”
Educational Series
•No easy task – stress at all levels
Sponsored by
•Sales volume, margins under pressure
Access National Bank •Good accounts go bad
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100 •Trade credit more difficult
•Bank credit more difficult
•Asset values are down
•Cash flow constrained
7. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Issues Facing Borrowers
Educational Series
Sponsored by At the Bank: Rates and fees up
Access National Bank •Fees increased for no apparent reason
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100
•Basic Loan rates increased
•Default rates more prevalent
•Floor rates of interest imposed
8. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Issues Facing Borrowers
Educational Series
Fine Borrowers are being asked to take loans elsewhere
Sponsored by
•Now, the wrong loan type or industry
Access National Bank
Progressive Business Banking
•Bank’s own financial difficulty
www.accessnationalbank.com
(703) 871-2100
•Borrower had an off period and the bank over-reacts
•Bank Credit Policy changed: more restrictive
9. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Issues Facing Borrowers
Growth Capital
Educational Series Terms, conditions and monitoring are tighter
Sponsored by •Economic conditions, increased loan losses
capital restrictions have made banks more conservative
Access National Bank
Progressive Business Banking •Hot points for operating companies
www.accessnationalbank.com
(703) 871-2100
Financial reporting – frequency & reliability
CPA statement quality – audit/review/compilation
Personal guarantees
Spouses
Minority partner
Collateral Adequacy
10. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Issues Facing Borrowers
Educational Series
Terms, conditions and monitoring are tighter
Sponsored by
•Covenant compliance enforcement
Access National Bank Financial ratios
Progressive Business Banking
Significant changes in the business
www.accessnationalbank.com
(703) 871-2100 Acquisitions
Other debt
Change in ownership
Litigation
Relocation of headquarters or state of incorporation
11. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Your Bank’s Health & Focus
Educational Series Have Never Been More Important
Sponsored by •Adverse credit/business conditions are more
likely about the bank vs. the borrower
Access National Bank
Progressive Business Banking
www.accessnationalbank.com •Banks have preferences for loan types and industries
(703) 871-2100 but don’t do a very good job of communicating
•Large banks are moving middle market
companies to call center management
12. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Your Bank’s Health & Focus
Growth Capital
Educational Series
Have Never Been More Important
•Bank Health Check
Sponsored by
Is it profitable?
Access National Bank
Progressive Business Banking Is stockholders equity at least 8% of total assets?
www.accessnationalbank.com
(703) 871-2100
Is management and ownership stable?
Is bank staff in tune with the health and priorities of the
bank?
Did the bank take TARP?
13. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Is There Good News?
Educational Series Solutions for Small Business Capital Needs
Sponsored by
•Credit IS available: re-think how you evaluate credit offers
Access National Bank
Progressive Business Banking •Strongest relationships are forged and tested in difficult times
www.accessnationalbank.com
(703) 871-2100 •Well managed banks are healthy and interested
•Industry types concentrated in DC metro are in favor
14. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Is There Good News?
Educational Series Solutions for Small Business Capital Needs
Sponsored by
•Stimulus – Mezzanine Financing
Access National Bank
Progressive Business Banking SBIC’s get more liquidity
www.accessnationalbank.com
(703) 871-2100
Cash flow based loans
Ideal for acquisitions, management buyouts, etc
15. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Is There Good News?
Educational Series Solutions for Small Business Capital Needs
Sponsored by •Stimulus – SBA loans
Qualification rules relaxed
Access National Bank Guaranty percent increased to encourage banks
Progressive Business Banking
www.accessnationalbank.com SBA fees are waived
(703) 871-2100 Limit increase from $2 to $5 million pending
Ideal for turnarounds, acquisitions refinance or
strategic growth
16. February 19, 2010 12:00 Noon to 1:30 PM
Special Executive Briefing
Banking and Lending Outlook for 2010
Growth Capital Contact Information
Educational Series Mike Clarke, CEO
Access National Bank
Sponsored by
703-871-2101
Access National Bank mclarke@accessnationalbank.com
Progressive Business Banking
www.accessnationalbank.com
(703) 871-2100
David Loughran, VP
Access National Bank
703-871-2119
dloughran@accessnationalbank.com