The infamous Bank of America $5 debit debacle demonstrates that consumer outrage at large financial institutions has never been greater. In addition, the regulatory burden being placed on "systemically important" institutions is tilting the tables in favor of smaller entities—Keefe, Bruyette & Woods recently reported that that non-systemically important institutions outperformed their larger rivals in 2011. These favorable market conditions create an opportunity for savvy regional and local banks to recapture consumer and small-business accounts.

This Webinar will explore the areas where community banks can capitalize on current market conditions, with an emphasis on marketing and product strategy and current success stories. Topics to be covered will include:

-Making hay from the Durbin Amendment’s two-tiered system
-Winning approaches to holding onto fee income
-Strategies for growing mortgage and small business lending

Moderated by:

• Alan Kline, Editor, American Banker

Speakers:

• Gregory Mitchell, President and Chief Executive Officer, First PacTrust Bancorp Inc

  Gregory Mitchell is president and CEO of First PacTrust Bancorp (Nasdaq: BANC). He also serves as a director for the company’s First PacTrust Bank subsidiary.
  
  Mr. Mitchell previously served as president and CEO of California National Bank, where he led the company’s growth from a $600 million total asset “wholesale bank” with five offices, to a $7.5 billion community bank serving clients at 68 retail locations in Los Angeles, Orange, Riverside, Ventura and San Bernardino counties. Mr. Mitchell also served as chairman of Pacific National Bank, located in San Francisco.
  
  Mr. Mitchell is a retired commissioned officer with the United States Coast Guard Reserves. He holds a Bachelor of Science degree in Business Administration from the University of the Pacific, a master’s degree in Public Administration from George Washington University, and a post-graduate certificate in commercial banking from Pacific Coast Banking School at the University of Washington.
  

• Charles Thayer, Chairman, Chartwell Capital Ltd., Chairman, American Association of Bank Directors

  Charles J. Thayer is Chairman and Managing Director of Chartwell Capital Ltd., a private investment firm providing specialized advisory services to the board of directors and executive management of banks, corporations and institutional investors.
  
  Mr. Thayer was appointed to the boards of MainSource Financial Group (NASDAQ: MSFG) and MainSource Bank in July 2011. MainSource is a $2.9 billion banking institution with 83 branch locations located in Indiana, Illinois, Ohio and Kentucky.
  
  He was named Chairman of the American Association of Bank Directors in 2007. The AABD is the national non-profit organization dedicated to serving the information, education and advocacy needs of financial institution directors. Outside directors who are not professional bankers make up 95% of AABD membership.
  
  Republic Bank one of Florida's largest independent commercial banks, elected Mr. Thayer to the Board of Directors in October 1999 and to the Board of Republic Bancshares, Inc., St. Petersburg, Florida (NASDAQ) in May 2000. Republic was acquired by BB&T Corporation in 2004 and Thayer served on the board of BB&T Bank (Florida) until July 2006.
  
  Mr. Thayer had a twenty year career in commercial banking prior to organizing Chartwell Capital in 1990. As Executive Vice President of PNC Financial (NYSE), Pittsburgh, he had management responsibility for finance, merger and acquisitions, investor relations, strategic planning, and served as Chairman of PNC Securities Corp, PNC's capital markets subsidiary. At that time, PNC was ranked as the 12th largest bank in the United States and ranked 4th in market capitalization, 1st in return on equity and 1st in return on assets among the nation's top 15 banks.