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The Most Fun I Never Want To Have Again: A Mid-Life Crisis in Community Banking Paperback – July 20, 2013

by R. D. Koncerak (Author)

13 ratings

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In the early 2000’s, America was in the midst of an economic boom. Nowhere was the prosperity more evident than across metro Atlanta and Georgia’s thriving community banking industry. Georgia saw more new bank start-ups than almost any other US state between 1997 and 2007…and then suffered more bank failures than most states combined between 2008 and 2012. What happened? This book tells that story. At year-end 2012, the largest 1% of US banks controlled eighty six percent of American domestic deposits …which means that 99% of America’s 7,083 financial institutions held only fourteen percent of domestic deposits. Despite their challenges, community-based financial institutions remain America’s predominant banking model. This is a story about the “other” 99 percent of American banking. Join author R.D. Koncerak on an eye-opening, insider’s look at Georgia’s community banking industry. From the forces that fueled the boom through 2007 to the crises that sent world markets reeling in 2008, this book is part financial documentary, part autobiography, and entirely entertaining. Koncerak combines an engaging writing style with a range of industry sources to deliver a firsthand account of success and failure in the business of banking. Chapters include organizing and launching a bank as a new business venture, managing in times of crisis and the FDIC closure process for a financial institution in distress. The book also offers candid leadership and career advice based on the author's adventures in the field. This exposé includes trade articles and SEC extracts that provide insight into the greatest financial disaster to hit the United States since the Great Depression. Finally, "TMF" includes two guest chapters: an insightful industry overview from accomplished financial author John Mauldin, and advice on the future of community banking from strategist Karl Nelson.

Print length

358 pages
Language

English
Publication date

July 20, 2013
Dimensions

5.98 x 0.74 x 9.02 inches
ISBN-10

1481867954
ISBN-13

978-1481867955
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Editorial Reviews

About the Author

Bob Koncerak's financial services career spans the capital markets, wealth management and community banking. Bob has held both managerial and executive positions including Capital Markets CFO at Wachovia Bank, start-up CFO at Touchmark National Bank and Principal at BankForward Consulting, LLC. Earlier in his career, Bob served as Assistant Treasurer and Director of Investor Relations for J&L Specialty Steel, a major stainless manufacturer in Pittsburgh, PA. After completing several consulting assignments for Georgia-based institutions in recent years, Bob currently serves as EVP/CFO for Altrust Financial Services, Inc., in Cullman, Alabama. Bob is a speaker and writer on matters of financial interest and lives with his family in Alpharetta, Georgia.

Product details

Publisher ‏ : ‎ CreateSpace Independent Publishing Platform (July 20, 2013)
Language ‏ : ‎ English
Paperback ‏ : ‎ 358 pages
ISBN-10 ‏ : ‎ 1481867954
ISBN-13 ‏ : ‎ 978-1481867955
Item Weight ‏ : ‎ 1.05 pounds
Dimensions ‏ : ‎ 5.98 x 0.74 x 9.02 inches

Best Sellers Rank: #903,954 in Books (See Top 100 in Books)
- #749 in Banks & Banking (Books)

Customer Reviews:
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Jane Z

Informative and insightful

Reviewed in the United States 🇺🇸 on June 18, 2014

Verified Purchase

As all the other reviewers have said, this is indeed a must-read that offers a unique community banking perspective of the financial crisis. Great mix of well-researched information/articles and the author's own first-hand accounts. As someone who works with the banking industry, I found it especially insightful to get an insider's perspective. It was also recently featured in American Banker's summer reading list!

2 people found this helpful

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Paul Allen

great insight from someone who lived through the banking crisis

Reviewed in the United States 🇺🇸 on January 18, 2014

Verified Purchase

Truly enjoyed this book, especially since I had the pleasure of knowing the author. He brings great insight to the banking crisis, and especially living through those "interesting times" in the Southeast, where fast growth and almost incredible increases in real estate values, tested the skills and judgement of not only bank management teams, but also the bank regulators overseeing the industry.

One person found this helpful

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Todd

Good inside look

Reviewed in the United States 🇺🇸 on February 27, 2015

Really enjoyed the insider angle. Fun read, and a very interesting time in the financial world. If like to read others experiences.

Reviewed in the United States 🇺🇸 on September 12, 2013

This book is a Must Read for anyone involved in or interested in the financial crisis and its effect on banking, a high growth market and regulatory issues. Mr Koncerak's wit, humility, high intellect and passion for doing the right thing meld with his acute professional expertise blended with his superb writing style make this book stand out as much more than a chronology of events affecting the banking environment and economy of the Greater Atlanta. His personal ground level involvement in dealing with financial crisis and his ability to articulate and communicate the financial and well as the the human stories in an interesting and entertaining fashion is truly special. The book's structure and the writer's superb and captivating writing style keep you engaged and eager for the next chaper. Even though I have a tremendous amount of experience in the banking and financial services business, I feel I gained some additional valuable insight that will be of benefit in the future AND I was thoroughly entertained in the process. I whole-heartedly recommend this book to any reader whether or not you are in the financial field. There are many lessons here for everyone. You will not be disappointed !

2 people found this helpful

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Seth and Lauren

Great Book

Reviewed in the United States 🇺🇸 on May 19, 2016

The late 2000s were a rough time for many community banks, and this "insider's view" of the industry is very helpful for understanding the crisis and community banking in general. It provides a great description of what it was like to open and run a bank during the financial crisis, as well as what it was like to close one. Highly recommended.

One person found this helpful

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Kevin Wyckoff

An excellent narrative of the challenges faced by community banks during the recent financial crisis

Reviewed in the United States 🇺🇸 on December 7, 2013

Koncerak's first-hand perspectives as a CFO involved in starting a publicly-traded community bank in the Atlanta corridor during the early stages of the recent financial crisis are very insightful. This is a must read for anyone in community banking, and it also provides excellent insights into the struggles of the banking industry during the crisis for readers not directly involved in community banking. The writing style is honest yet respectful, compelling, and it contains plenty of supporting information from external sources for readers more technically inclined. Reading the book was both enjoyable and educational, and I highly recommend making the investment of time to read its journey.

3 people found this helpful

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Johannes Palsson

A Must Read.....

Reviewed in the United States 🇺🇸 on March 17, 2014

I really enjoyed this book - it is an easy read considering the complex subject matter. The author has incorporated a good mix of primary research and relevant articles to set the stage for his analysis, and his first hand perspective of the crisis adds valuable and unique insights. In most cases, the author was objective and avoided getting wrapped up in a “tell-all” tale. As someone who also lived through the crisis, I can strongly recommend this book as a must read.

Great job.

One person found this helpful

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R. Porter

Bob Koncerak pulls back the draperies for an insider's view of community banking in Georgia

Reviewed in the United States 🇺🇸 on October 19, 2013

Mr. Koncerak may not want to have this much fun again, but that doesn't stop his book from being both informative and fun to read. Part banking primer, part memoir and part documentary - Mr. Koncerak should consider a career in teaching. If you want to learn how banks work (and sometimes fail), the challenges of starting a business (in this case a community bank, but the themes are universal) and the history of the banking crises in Georgia, here is your textbook (or at least the type of textbook or case study you wish you had in business school).

One person found this helpful

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