DeGORTER v. CAPITOL BANCORP LTD.

2014 NCBC 62
CourtNorth Carolina Business Court
DecidedNovember 26, 2014
Docket10-CVS-20825
StatusPublished
Cited by1 cases

This text of 2014 NCBC 62 (DeGORTER v. CAPITOL BANCORP LTD.) is published on Counsel Stack Legal Research, covering North Carolina Business Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
DeGORTER v. CAPITOL BANCORP LTD., 2014 NCBC 62 (N.C. Super. Ct. 2014).

Opinion

DeGorter v. Capitol Bancorp Ltd., 2014 NCBC 62.

STATE OF NORTH CAROLINA IN THE GENERAL COURT OF JUSTICE SUPERIOR COURT DIVISION COUNTY OF MECKLENBURG 10 CVS 20825

DAVID J. DeGORTER,

Plaintiff,

v. ORDER AND OPINION CAPITOL BANCORP LTD, CAPITOL WEALTH, INC. d/b/a/ CAPITOL WEALTH ADVISORS, and CAPITOL NATIONAL BANK, N.A.,

Defendants.

{1} THIS MATTER is before the Court upon Plaintiff David J. DeGorter’s

(“Plaintiff”) Motion to Reconsider, or in the Alternative, to Amend the Pleadings

(hereinafter demarcated as “Motion to Reconsider” and “Motion to Amend”); and

Defendant Capitol National Bank, N.A.’s (“National”) Motion for Attorneys’ Fees

(collectively, the “Motions”) in the above-captioned case.

{2} The Court, having considered the Motions, affidavits and supporting

briefs, as well as the arguments of counsel at the October 15, 2014 hearing in this

matter, hereby DENIES Plaintiff’s Motion to Reconsider; DENIES Plaintiff’s

Motion to Amend; and GRANTS National’s Motion for Attorneys’ Fees.

Brooks, Pierce, McLendon, Humphrey & Leonard, by Jeffrey E. Oleynik, Clint S. Morse, and Jennifer K. Van Zant, for Plaintiff David J. DeGorter.

Smith Moore Leatherwood LLP, by Heather C. White, William R. Forstner, and Jonathan P. Heyl, for Defendant Capitol National Bank, N.A.

Bledsoe, Judge. I. FACTUAL AND PROCEDURAL BACKGROUND

{3} The Court makes its findings as set forth herein to address only those

matters necessary for purposes of resolving the present Motions. For additional

detail concerning the facts and procedural history giving rise to this matter, see

DeGorter v. Capitol Bancorp Ltd., 2011 NCBC 28 (N.C. Super. Ct. July 29, 2011),

http://www.ncbusinesscourt.net/opinions/2011_NCBC_28.pdf (dismissing Plaintiff’s

claim for unfair and deceptive trade practices) (“July 2011 Order”).

{4} Defendant Capitol Bancorp Ltd. (“Bancorp”) is a holding company in the

business of community bank development nationwide.1 (Id. ¶ 8.)

{5} National and Defendant Capitol Wealth, Inc. (“Wealth”) were at all times

relevant to this matter wholly-owned subsidiaries of Bancorp. (Id.)

{6} Plaintiff was the sole and managing member of DeGorter Capital Partners,

LLC (“DeGorter Capital”) at all times relevant to this matter. (Id. ¶ 9.)

{7} In late 2007, Plaintiff (through DeGorter Capital), Bancorp, and Wealth

entered into an arrangement to acquire Forethought Federal Savings Bank

(“Forethought”). (Id. ¶¶ 10–13.)

{8} The contemplated acquisition, however, was subject to regulatory approval

by the Federal Reserve Board. (Id. ¶ 14.)

{9} The Federal Reserve Board’s assessment of the proposed transaction

included consideration of Bancorp’s financial condition. (Id. ¶ 16.)

1 As discussed further infra, Bancorp has filed for bankruptcy since the onset of this litigation. {10} Plaintiff alleges that in order to improve the appearance of Bancorp’s

financial condition – and thus increase the likelihood of securing regulatory

approval for the Forethought acquisition – Plaintiff was solicited by a Wealth

representative to make a substantial purchase of Bancorp’s trust preferred

securities. (Id. ¶¶ 17–20.)

{11} Plaintiff alleges that he was assured by the Wealth representative that

Bancorp would redeem the securities from him once the Forethought acquisition

had been completed. (Id. ¶ 20.)

{12} Plaintiff purchased $1.5 million worth of Bancorp trust preferred

securities, financing 100% of the purchase price with the proceeds of two loans

extended to him by Bancorp’s subsidiary, National. (Id. ¶¶ 19–21.)

{13} The loans from National to Plaintiff consisted of a secured loan of

$1,050,000 and an unsecured loan of $450,000. (Id. ¶ 21.)

{14} The $450,000 loan is not at issue in this action.

{15} The $1,050,000 loan is governed by the terms of two written agreements,

the first executed by Plaintiff and National on July 3, 2008 and the second executed

by Plaintiff and National on July 3, 2009 (together, “the Credit Agreements”).

{16} Each of the Credit Agreements includes a choice-of-law provision

specifying that the Agreements are to be governed by Michigan law. The parties do

not dispute that the Credit Agreements are governed by Michigan law.

{17} Each of the Credit Agreements also includes a provision requiring that

Plaintiff pay any legal costs, including reasonable attorneys’ fees, incurred by National to collect on the loans in the event of Plaintiff’s default. The parties do not

dispute that the Credit Agreements provide for recovery of legal costs.

{18} Plaintiff does, however, contend that he would not have entered into the

Credit Agreements without the Wealth representative’s assurance that Bancorp

would repurchase the securities from Plaintiff once the Forethought acquisition had

been completed. (July 2011 Order at ¶¶ 19–20.)

{19} The acquisition of Forethought ultimately fell through due to Bancorp’s

ailing financial condition, of which Plaintiff alleges he was unaware at the time he

agreed to purchase the Bancorp securities. (Id. ¶¶ 25–26.)

{20} The Bancorp securities dropped in market value from $10 per share, at the

time Plaintiff purchased them, to $1.85 per share on October 28, 2010, when

Plaintiff filed his Complaint in this action. (Id. ¶¶ 3, 27.)

{21} Plaintiff’s Complaint asserts claims against Bancorp, Wealth, and

National (collectively, “Defendants”) for constructive fraud, negligent

misrepresentation, and unfair and deceptive trade practices, and a claim for breach

of fiduciary duty against Bancorp and Wealth. (Compl. ¶¶ 64–95.) Essentially,

Plaintiff alleges that Defendants colluded to fraudulently induce him into

purchasing the Bancorp securities for the sole purpose of “rais[ing] sufficient capital

to allow . . . Bancorp to continue its bank acquisition business for a short period of

additional time.” (Pl.’s Br. Supp. Mot. to Reconsider, p. 3.) {22} Defendants filed their Answer to Plaintiff’s Complaint on January 10,

2011, raising numerous defenses and asserting a counterclaim – on behalf of

National – against Plaintiff for breach of contract.

{23} National’s breach of contract counterclaim sought recovery of amounts

allegedly owed by Plaintiff to National – $912,329.65 in unpaid principal plus

accrued interest – as a result of Plaintiff’s alleged default under the terms of the

Credit Agreements. National additionally sought an award of legal costs, including

reasonable attorneys’ fees incurred in this action, as provided for under the Credit

Agreements.

{24} This Court (Murphy, J.) dismissed Plaintiff’s unfair and deceptive trade

practices claim in an Opinion and Order entered July 29, 2011. (July 2011 Order at

¶ 53.)

{25} Defendants moved for summary judgment on Plaintiff’s remaining claims

against Defendants and on National’s counterclaim against Plaintiff on January 19,

2012.

{26} On August 9, 2012, Bancorp filed a petition for voluntary relief under

Chapter 11 of Title 11 of the United States Code in the United States Bankruptcy

Court for the Eastern District of Michigan. National represented at the October 15,

2014 hearing that Bancorp will not emerge from the bankruptcy proceedings as a

viable entity.

{27} On June 26, 2014, this Court (Murphy, J.) entered an Order (“Summary

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