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M A Y  •  J U N E 2 0 12

Inside

• Get Ready for CBA’s Annual Conventions! • Meet the 2012 Hester and Walraven Scholarship Winners • New Revenue Generating & Expense Control Series • Upcoming Educational Seminars • Finer Points

A Lifetime of Service Official Publication of the Community Bankers Association of Georgia

Margaret Ayers

Northeast Georgia Bank, Lavonia

Member:


GEORGIA

Communities

FIRST

ON THE COVER: The 17th Hole and Boardwalk at Wild Dunes Resort, Isle of Palms, SC

FEATURES

page 1 Finer Points from ICBA President and CEO

M AY/ J U NE 2 012

page 12-13 Meet the winners of the pages 4-8 Gearing up for the annual 2012 Hester and Walraven scholarships conventions & trade shows

INSIDE 1 Finer Points 2 Highlights from the PAC/PR Golf Tournaments 3 Silent Auction and the New Wall of Wine 4 Speaker Spotlight and Exhibitor List for the 34th Annual Leadership Division Convention & Mini-Trade Show 6 Looking Ahead to the 44th Annual Meeting & Trade Show 8 Previewing the 3rd Annual Georgia Bank Directors’ College 10 Margaret Ayers – Celebrating 68 Years of Service 12 Winners of the 2012 Hester Scholarships 13 2012 Walraven Scholarship Winner and 3rd Annual Spring Regional Luncheon Meetings Highlights 14 Guest Article – “What is PFM?” 15 Announcing CBA’s new Revenue Generating and Expense Control Series 16 Guest Articles - “Taking Another Look at BOLI” and “Fear and Change” 18 GRASP Luncheons Enjoy Continued Success 19 May BSA Officer School Graduates 20 Information Technology Security Conference 21 Upcoming Seminars / Education Calendar

S tay connected Scan with your smartphone to view our website.

Community Bankers Association of Georgia 1900 The Exchange, Suite 600, Atlanta, GA 30339 (770) 541-4490 or (800) 648-8215 • Fax (770) 541-4496 www.cbaofga.com • cba@cbaofga.com

Carolyn Brown, President & CEO carolyn@cbaofga.com Steve Bridges, Executive Director of Legislative & Regulatory Affairs steve@cbaofga.com Donna Coutant, Education & Special Events donna@cbaofga.com Teresa Day, Receptionist / Administrative Assistant teresa@cbaofga.com Lindsay Greene, Marketing & Strategic Partnerships Manager lindsay@cbaofga.com Amy Hellenga, Marketing Assistant amy@cbaofga.com Andrea Teh, Marketing Designer Tammy Maass, CFO tammy@cbaofga.com Jodi Swilley, VP, Education & Professional Development jodi@cbaofga.com Charlie Watts, Lobbyist Nick Wilborn, Operations Assistant nick@cbaofga.com Peake Wilson, Vice President peake@cbaofga.com


FINER

POINTS

No More Surprises

“The mistakes had been brewing for a while. … In hindsight, we took far too much risk. The strategy we had was barely vetted. It was barely monitored. It should never have happened.” — Jamie Dimon, CEO of JPMorgan Chase & Co. on Meet the Press May 13 You’ve heard it before, and now we hear it again. Wall Street’s financial “masters of the universe” got mired and mangled by another high-wire investment trading deal of their own creation. The self-inflicted losses are staggering, and risky trades were made that top management either didn’t know about or didn’t comprehend. This time the surprise came from Jamie Dimon, the CEO hailed for upholding a prudently restrained riskmanagement ethos that had supposedly steered JPMorgan Chase & Co. safely through the last financial crisis. On April 13, Dimon said that big bets taken by the London office of JPMorgan were “a complete tempest in a teapot” (in retrospect it was one hell of a big teapot). Then last month he announced those bets in complex credit default swaps had lost $2 billion (and counting) and proved “riskier” and “more volatile” than anyone at the nation’s largest financial firm fathomed, including the person who executed the exploded trade. And this is what they’re admitting, so far. And community bankers wonder why they have crushing regulatory burden? A few high-powered JPMorgan executives have lost their jobs over this deal in synthetic derivatives (the word “synthetic” should never be used in the same sentence as the word “bank”). Unfortunately, these investment powder kegs, upon which today’s too-big-to-fail titans play their high-stakes profit games, have only gotten bigger and bigger. Nevertheless, “trust us” is what Wall Street tells us. We know what we’re doing. We’re taking all necessary precautions. We’re in control — until they aren’t! And then ka-boom! Of course, similarly dangerous bets led to the recent Great Recession and a comprehensive restructuring of financial regulation that gave us the Dodd-Frank Wall Street Reform and Consumer Protection Act. Since then, Dimon and JPMorgan have been among the most vocal opponents of tighter regulations on the largest Wall Street financial firms, particularly Volcker Rule restrictions on proprietary

By Cam Fine, P r e s i d e n t & C E O , I n d e p e n d e n t C o m m u n i t y Bankers of America

trading. Now JPMorgan is the latest poster child exposing, once again, what’s so dangerous about too-big-to-fail megabanks — that nobody, not even regulators, can fully control the risks these unprecedentedly large and complex institutions generate. Sooner or later, these soulless machines will explode, individually or as a group, with costly and dangerous surprises for us all — particularly community banks. Coincidentally, the same day Dimon announced JPMorgan’s huge trading losses — six weeks after he downplayed the $2.3 trillion-asset megabank’s investment portfolio risks — FDIC Acting Chairman Martin Gruenberg outlined more details on how the agency will use its Dodd-Frank powers to orderly resolve systemically important financial institutions that fail. However, Washington’s regulators have a long way to go, and ICBA has been urging them to move more quickly to downsize and cease or restrict the activities of too-big-to-fail institutions. A good start would be to separate high-stakes investment banking activities from commercial banking activities. As the latest bombshell headlines from JPMorgan demonstrate again, we must liberate our financial system from the constant overhanging danger and doubt from too-big-to-fail institutions. It’s time to end these surprises from Wall Street. Because until we do, we will not have a truly free-market system.

Advocacy Resources Check out ICBA’s resources on credit union issues at CBConnect, a grassroots advocacy website.

www.cbconnect.org

M a y  •  J u n e 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 1


Thank You to the Sponsors!

2012 PAC/PR Golf Tournaments are a Hole-in-One

NORTH Jeff Prickett, Sam Drennen, and From left, Jeff Miller, Jarrod nt, me rna Tou rth No the ce team at Dickerson were the First Pla Countr y Club on April 30. which was held at the Athens

First State Bank Randolph County

From left, Dale Morris, President/ CEO, First National Bank of Coffee County and CBA Treasurer, and Greg Lloyd, Securitas Financial Services at the South Tournament, which was held at Lake Blackshear Resort & Golf Club in Cordele on May 15. Greg won the Closest to the Pin award at the tournament.

1st Place Team Jeff Miller, Jarrod Pricket, Sam Drennen, Jeff Dickerson (also won Closest to the Pin) First American Bank & Trust, Athens

2nd Place Team

Corey Harwell (also won Longest Drive), Chuck Harwell, Community Bank of Dublin-Laurens County Skip Franklin, CBSI

SOUTH 1st Place Team Jason Lord, SunMark Community Bank Erik Bagwell, CenterState Bank Chris Wright, CenterState Bank Phil Wright

2nd Place Team:

Proceeds from the PAC/PR golf tournaments go to the CBA Political Action Committee (PAC) and Public Relations (PR) funds. The funds provide Georgia’s community banking industry a voice in state politics. The CBA maintains the only state PAC working exclusively for community banks.

Rhodes McLanahan, EVP/COO, First American Bank & Trust Company and CBA Leadership Division 1st Vice Chairman and PAC/PR Fundraising Chairman, with his father, John, Chairman, First American Bank & Trust.

Chuck Harwell, Community Bank of Dublin – Laurens County Corey Harwell (also won Longest Drive) Corey Gibbs, Community Banking Company of Fitzgerald Steven Rigdon, Pineland State Bank Shannon Fortson, Pinnacle Bank

Closest to the Pin: Greg Lloyd, Securitas Financial Services, Inc.


Silent Auction returns with a new twist – Wall of Wine CBA’s popular Silent Auction will be held again this year at the 44th Annual Meeting & Trade Show and 3rd Annual Georgia Bank Directors’ College, August 26 – 30, 2012 at Wild Dunes Resort, Isle of Palms, SC. This fundraiser benefits CBA’s Political Action Committee (PAC) and Public Relations (PR) funds. The funds provide Georgia’s community banking industry a voice in state politics. CBA maintains the only state PAC working exclusively for Georgia’s community banks. Please support the fundraiser by donating to the Silent Auction. Popular items include electronics, artwork, collectibles, sports memorabilia/tickets, use of a condo or vacation property, children’s items, gift baskets, gift cards, home décor and more.

Donate now to participate in this fun event! This year, please participate in the CBA Wall of Wine. Here’s how it works: You donate wine (by the bottle, valued at $15 or more – no limit to the number of bottles you donate). During the Reception on Monday, August 27th, donated bottles will be wrapped to conceal the labels, and attendees will purchase a bottle for $25. Enjoy the surprise – you could end up with an outstanding Georgia wine or even a rare international wine, while benefiting a great cause.

Support CBA’s PAC/PR Fund by Donating to CBA’s Silent Auction! Contact CBA to make your donation or visit our website, www.cbaofga.com.


34th Annual Leadership Division The Ritz-Carlton, Amelia Island, FL Thursday - Sunday, June 21-24, 2012

This year’s convention theme is “Building on a Strong Foundation,” and will offer a blueprint for future success for your bank, yourself, and your community. In addition to the great speakers the CBA secured, you’ll be able to hear from your colleagues on CBA leadership initiatives, such as Children’s Healthcare fundraising, PAC/PR fundraising, and the drive to improve Economic Education through community outreach programs. During the Chairman’s Dinner Saturday evening, the Leadership Division and Representative of the Year, and the Big Bucks Bonanza winner will be announced. It could be YOU!

Spotlight on Speakers Ancin Cooley – “Credit Risk Management” As regulators place greater emphasis on risk management frameworks and overall corporate governance, proactive community bank leaders employ stress testing methods to evaluate the impact of key risk factors. Topics covered include: examining stress-testing methods; implementation techniques; analyzing the output from a model; and developing a checklist with take-aways for application at your institution. Ancin is a Principal at Synergy Bank Consulting, Inc. Greg Judge – “Growing Core Deposits: It All Starts Here” Deposits are the foundation of your bank’s ability to produce earnings. This session will outline strategies for accumulating core deposits to produce income in the context of your business model, and the regulatory environment. Topics will include deposit mix, pricing, how to avoid pitfalls, and managing funding across uncertain interest rate cycles. Greg has over 25 years of experience in the banking industry, and has been with PCBB Capital Markets, San Francisco, CA, since 2005. Charles Williams – “Sweet Success” “Sweet Success” is a look at the life of one of the 20th century’s most innovative businessmen, Williamson Sylvester Stuckey. What he did and how he did it, the ideas, techniques, risks, and resounding success of “Stuckey’s” is presented with ideas you can apply to your business now and in the years to come. It could mean the difference in getting by and thriving for you and your business. Charles is an experienced businessman, entrepreneur, talented musician and author. Banker/Vendor Panel – “Generating Loan Demand Through SBA Lending” If your bank is considering offering or increasing SBA lending, you will want to hear this informative panel. Bankers will share experiences and strategies that have been successful for their bank in various industries and niches. CSRA Business Lending and banc.Serv Partners will share strategies for success as well as ways to navigate more efficiently through the SBA lending process. Randy Griffin President, CRSA Business Lending, Augusta

Thank You to Our Sponsors! We appreciate your support.

Lee McLean Commercial Lending Officer, First National Bank of Coffee County, Douglas

Jon Daly Senior VP and Director of SBA Lending, State Bank & Trust Company, Macon

Brad Crawford Executive Vice President, banc.serv PARTNERS, Westfield, IN


Convention & Mini-Trade Show

Be Sure to Attend the Mini-Trade Show The CBA’s Mini-Trade Show offers bankers and exhibitors the opportunity to network in an organized and timeefficient setting. For 2012, the Mini-Trade Show will be held on Friday morning, using the same timed format. Immediately following the Mini-Trade Show, the CBA will host the “Power Half-Hour” break where bankers and exhibitors may continue conversations, build stronger relationships, and participate in drawings for a variety of prizes.

Thank You to Our Exhibitors!

ACG Atris Technology Bankers Healthcare Group banc-serv PARTNERS BankSmart Crescent Mortgage CRS Data CSRA Business Lending Cummins-Allison Corporation Dell SecureWorks

DeNyse Companies Executive Insurance Agency Federal Reserve Bank of Atlanta First Data GACHA Harland Clarke ICS Risk Advisors IMPACT Marquis Meyer Chatfield Compensation Advisors

PULSE Renesant Bank Mortgage Lending Sageworks Shazam Southwest Financial Services Travelers Triad Financial Services UPS


Things to do in Charleston

Scenes from 2011 Annual Meeting

Relax in the shade of striking oaks in White Point Gardens or splash in the pineapple fountain at Waterfront Park. The South Carolina Aquarium boasts they are Charleston’s most visited attraction, and kids and adults alike will be amazed at all the animals and history throughout. Go for a drive along The Battery/ White Point Gardens. The Battery is located at the southernmost tip of the Charleston Peninsula, where Murray Blvd. and East Battery (East Bay) Street meet. See the impressive mansion architecture, glorious oak trees and a perfect view of Fort Sumter in the harbor. Dating back to 1841, Market Street features independent merchants selling their wares in an open air setting, including Gullah ladies weaving the ever famous sweetgrass baskets. The street is also lined with specialty shops and restaurants. Shopping : The most famous shopping area of Charleston is located between Broad and Spring Streets. Sprinkled throughout are great bars and restaurants in case you need a little ‘sit down’ between your sprees.

Praise for Wild Dunes Resort Wild Dunes Resort named Top 150 U.S. Mainland Resort by Conde Nast Traveler’s Readers’ Choice Awards (2011) Four-Diamond Award by AAA (1998-2010) Best of the South, Meetings South (2006, 2008-2009) Gold Key Award, Meetings & Conventions (1999-2007) Wild Dunes Resort named among “Top 20 Southern U.S. Golf Resorts” by Conde Nast Traveler’s Readers’ Poll (2011) Links Course cited by Golfweek as “Best Courses You Can Play” (2007-2010)

Low Country Boil – Y

ield 15 servings

Ingredients 3 (16 oz) packages cooked kielbasa saus age, cut into 1 inch pi 8 ears fresh corn, hu eces sks and silks removed 5 pounds whole crab , broken into pieces 4 pounds fresh shrim p, peeled and devein ed 5 pounds new potato es Old Bay Seasoning to taste newspapers, beer

iumDirections oor cooker, or med td ou n a er ov r te of wa ing Heat a large pot g to taste, and br in n so ea S y a B . Add Old bout 10 high heat indoors e, and cook for a g a us sa d n a , es ato her 5 minutes, ot n a to a boil. Add pot r fo ok co b; e corn and cra e, and minutes. Add th else is almost don g in h yt er ev en h rimp w then add the sh 3 or 4 minutes. out onto a picnic ts n cook for another te n co e th r ou ter, and p d a beer Drain off the wa a paper plate an b ra G . er p a sp h new table covered wit and enjoy!


44th Annual Meeting & Trade Show

& 3rd Annual Georgia Bank Directors’ College Sunday - Thursday, August 26-30, 2012 • Wild Dunes Resort, Isle of Palms, SC • Network with your peers • Attend the trade show • Dine-Around Exhibits • Silent Auction • Golf Tournament • Spouses’ Program

• Learn from industry experts, including: Jeffrey Rosensweig Director of the Global Perspectives Program at Goizueta Business School of Emory University Jeffrey focuses on global investing and business in the global economy and also specializes in financial, macroeconomic, and business forecasting. Kevin Tweddle Executive Vice President of Sales and Operations, FISERV & Chief Operating Officer, Bank Intelligence Solutions Kevin oversees all activities relating to accounting, sales, HR and administration for the solutions group and is Chief Operating Officer within the Bank Intelligences group.

A n n u a l M e e t i n g - Te n t a t i v e A g e n d a Sunday, August 26th 2:00 - 5:00 pm 3:30 - 5:00 pm

Annual Meeting Registration Dinner at Your Leisure CBA Board of Directors Meeting

Monday, August 27th 7:30 am - 4:00 pm 3rd Annual Georgia Bank Directors’ College 2:00 - 5:00 pm Annual Meeting Registration 3:00 - 5:30 pm Exhibitor Set-Up 6:45 - 9:00 pm Welcome Reception & Dine-Around / Exhibits & Silent Auction

Tuesday, August 28th 7:45 - 8:30 am 8:30 - 9:00 am

Dawn Breakers’ Session Continental Breakfast with Exhibitors / Silent Auction

9:00 am - Noon 12:30 pm 1:00 - 4:00 pm

Opening General Session Golf Tournament Spouses’ Program Evening Free

Wednesday, August 29th 7:45 - 8:15 am Breakfast with the Exhibitors / Silent Auction 8:15 am - Noon General Session and Keynote Speaker Afternoon Free 6:30 - 7:00 pm Chairman’s Reception 7:00 - 9:00 pm Chairman’s Banquet / Awards

Thursday, August 30th Departures


3rd Annual Georgia Bank Directors’ College Monday, August 27, 2012 • Wild Dunes Resort, Isle of Palms, SC

The CBA of Georgia is pleased to present the Georgia Bank Directors’ S c h edu l e College that will be held in conjunction with the 44th Annual Meeting 7:30 am Registration/ & Trade Show.

The program was developed with the assistance of the FDIC Atlanta Regional Office and is designed to teach individuals how to become 8:00 am more effective, capable and supportive members of a bank’s board of Noon directors. The college is recommended for both new and seasoned bank direc- 1:00 pm tors. CPE credits are available to participants. Need more credits? Then 4:00 pm please stay over for the Annual Meeting to be held August 28 & 29.

Continental Breakfast Program Lunch

Program, cont’d Dinner at your leisure

F eatured S peakers Tom Parliment, Chairman & CEO of Parliment Consulting Services, Inc., Key West, FL

Tom Dujenski, Regional Director, FDIC - Atlanta

David Kemp, President, Bankers Management, Inc., Decatur

Intelligent Information. Smart Decisions. Introducing The Banker Suite... Powered by CRS Data

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For Complete Information and a Comprehensive Customized Demonstration Contact Us Today: 800- 374-7488 • www.crsdata.com/banking

8 | www.cbaofga.com | May • June 2012


In today’s climate, you need to be confident about where your debit card program is headed. Our singular focus on debit for more than 30 years provides you with insight, resources and guidance to help you optimize a secure debit program to retain customers and attract new ones. Go to pulsenetwork.com to learn how we can help you take the right road.

Š2012 PULSE


The Definition of Dedication M

argaret Ayers, Vice President, Northeast Georgia Bank, Lavonia, knows a thing or two about dedication – to her job and to her community. Known as the “First Lady of Lavonia,” Margaret has worked at the bank for 68 years and is a dedicated community servant. The year was 1944, “Swinging on a Star” by Bing Crosby was the No. 1 hit. Margaret had just graduated from high school and went to work at the local movie theater selling tickets and working in advertising. Walter Harrison of Lavonia offered to help Margaret find a job in banking in Atlanta but Margaret wanted to stay in Lavonia. Walter offered her a job at the bank, and on May 10, 1944, Margaret began her long career in banking. For years she walked or rode her bike to work, and her first duties at the bank were to work the cash letter that arrived each day from the Atlanta Clearing House. Margaret has worked in nearly every department of the bank and has worked as assistant cashier, cashier, controller, teller, new accounts and, in 1989, she was named Vice President of Public Relations.

Margaret and her husband, the late Herman Ayers, have a daughter Stephanie, who lives in Greeneville, SC. Herman served as Mayor of Lavonia for 22 years. Extremely generous with her time, Margaret serves on countless boards, committees and always takes a leadership role. “If I’m going to be involved in something, I’m going to give it 100%. I just can’t seem to say ‘no’ when something needs to be done,” she said with a laugh. The recipient of numerous community service awards, several awards have been named in her honor.


“I love to help people, do things for people, and make them feel special. One thing I’ve learned is, you have to be friendly for people to be friendly to you.”

Margaret’s Milestones

Margaret joked that the criteria for one award is to “do what Margaret does!”

Chairman Lavonia Historic Preservation Commission

Aside from work and her extensive community involvement, Margaret enjoys working in the yard and baking. She loves to bake cakes for friends, coworkers and new people moving into town. Slim and trim, Margaret’s friends like to tease her about her eating habits. She is an avid Waffle House fan and can eat a whole pie, half a cake and not feel a thing.

President Franklin Historical Society Board Member Georgia Mountains Regional Development

Does she plan to retire anytime soon? “No way!,” she exclaimed. “I plan to work 75 years at the bank – I’m happy in my job, enjoy working with people and I want to break a record!”

73 Year Member First Baptist Church of Lavonia

“As the longest employee at the bank, I’ve see countless changes – changes in technology and automation. I would definitely recommend a career in community banking to someone starting out. It’s a great place to become involved in the community, meet people and help others,” Margaret said. “I love to help people, do things for people, and make them feel special. One thing I’ve learned is, you have to be friendly for people to be friendly to you.” Congratulations, Margaret on a fulfilling career. The CBA wishes you many more years to come! CBA will be recognizing Margaret Ayers and other bankers with 30 or more years in banking at CBA’s 44th Annual Meeting & Trade Show, August 26 – 30, 2012 at Wild Dunes Resort, Isle of Palms, SC.

1st Woman President Franklin County Chamber of Commerce 1st Woman Member & President Lavonia Lions Club

1st Woman President Lavonia Chamber of Commerce

62 Year Member Order of Eastern Star Circle of Hope Cancer Committee Board Member Department of Children and Family Services Treasurer Friends of Lavonia Carnegie Library Secretary Franklin County Habitat for Humanity Lavonia Housing Authority Named Humanitarian of the Year Award created in her honor: Annual Margaret Ayers Civic Health Award

Lifetime Service Awards The CBA is proud to recognize bankers who have devoted 30 or more years of service to the banking industry with the Lifetime Service Award. The Association is extremely grateful to these individuals who have served as a role model to the banking community. Honoring them is a small token of CBA’s appreciation for their efforts to the banking industry. As part of the recognition, honorees receive a commemorative plaque, and the CBA will feature the honorees in various CBA publications, as well as the local media. Honorees with 50 or more years of service receive a customized gold pin, and other CBA benefits. If you or someone in your bank is celebrating 30 or more years of service, let the CBA know in order for us to recognize you and /or your staff at future events and in our publications. For more information, email Peake Wilson at peake@cbaofga.com.


2012 Julian & Jan Hester Memorial Scholarship Congratulations to the 2012 winners of the Julian & Jan Hester Scholarship. The scholarship program began in 1992 and is named for the late Jan Hester, daughter of Lalia and the late Julian Hester, long-time CEO of the CBA. To be considered, students wrote a short essay on the characteristics of a community bank, and the continuing benefits they offer to their home communities. Winners will receive $1,000 to attend a Georgia college or university of their choice. Applications were submitted to the Association through a CBA member community bank. Special thanks to the judges Tripper Mansfield, Georgia Commerce Bank, Atlanta; Megan Raines, Travelers, Atlanta, Kris Stoutamire, Howe Construction, Inc., Roswell; and Dr. Don Sabbarese, Kennesaw State University.

Melissa Cousins

Courtney Knight

Melissa Cousins is sponsored by Gary Ledbetter, President & CEO of Columbus Community Bank and is graduating from Northside High School. Miss Cousins was a National Merit Finalist, Presidential Scholar candidate, Bernard Ramsey Scholar and attended the Governors’ Honors Program in Math. She plans to attend the University of Georgia.

Courtney Knight is sponsored by Genevieve B. Cole, President & CEO of Georgia Heritage Bank in Dallas and will graduate from North Paulding High School. She served as a GA State Leadership Conference representative, co-founded the Pack Gives Back Program and was captain of her basketball and volleyball teams. Miss Knight plans to attend Shorter University.

Sierra Menzies

Amy Thornburg

Sierra Menzies is sponsored by Robert Oliver, Chairman & CEO of Hamilton State Bank in Hoschton and is graduating from Mill Creek High School. She was president of Teaching Advanced Leadership & Opening Networks, a member of the Key Club, and a team leader on the Gwinnett Student Leadership Team and the IDEALS Leadership Program. She plans to attend Georgia Tech.

Amy Thornburg is sponsored by Mickey Godwin, Executive Vice President & CEO of The Bank of Georgia in Peachtree City and will graduate from McIntosh High School. She served as president of Peer Tutoring at her school. Miss Thornburg is a National Merit Finalist, Salutatorian and an AP Scholar. She plans to attend Georgia Tech.

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2012 J. Steven Walraven Memorial Scholarship

Sara Dunn Brady and B. Amrey Harden, President & CEO, Oconee State Bank, Watkinsville

The late J. Steven Walraven was an ac- ing by serving as the Director and Treative and long-time community banker surer of Community Bankers Association who exemplified professionalism and of Georgia. The scholarship named in his community involvement. honor in the amount of $500 is designed Much of Steven’s life was dedicated to for a bank employee who wishes to conimproving his comtinue their educamunity and comtion while working “Having known Steven Walraven, munity banking. full-time at a CBA Sara certainly exemplifies His banking career member bank. what Steven meant to his community and to community began in 1966 at This year’s winbanks across Georgia.” the First National ner is Sara Dunn – B. Amrey Harden, President & CEO, Bank of Atlanta. In Brady, from Oconee Oconee State Bank 1982, Steven beState Bank in Watcame President of kinsville. Ms. Brady the Peoples Bank of Bartow County in has served as the E-Banking Officer for Cartersville. Oconee State Bank since 2008 but has Steven continued his career in commu- been part of the bank since 2003. Ms. nity banking as the President of United Brady is very involved in her community, Bank and Trust in Rockmart in 1999. He from participating in local parades, to continued to invest in community bank- Relay for Life and March of Dimes.

3rd Annual Spring Regional Luncheon Meetings a Success During April, close to 300 community bankers and representatives from the Community Bankers Association of Georgia (CBA) associate member companies gathered around the state in Valdosta, Helena/McRae, Rome and Gainesville for the 3rd Annual Spring Regional Luncheon Meetings to discuss banker hot topics, network with one another and hear industry experts discuss the economy and the regulatory and legislative environment. The Bankers Only Peer Group Meeting was held at each location prior to the Luncheon meeting. Tim Veal, Partner with Nichols Cauley & Associates, LLC along with his colleagues Josh Grant and Reid Mindemann served as moderators for the Bankers Only Peer Group meetings. The luncheon meeting speakers included: Mark Stevens, 2011-2012 CBA Chairman & Market President, Bibb County, State Bank & Trust Company, Macon; Marlon Cook, Regional Manager for the FDIC’s Division of Insurance and Research in the Atlanta Regional Office; Mark Kanaly, Partner with Alston + Bird LLP; Dr. Don Sabbarese, Professor of Economics at Kennesaw State University; and, Steve Bridges, CBA Executive Director of Legislative and Regulatory Affairs.

From left, Dr. Don Sabbarese, Mark Kanaly, and Mark Stevens during the 3rd Annual Spring Luncheon Meetings.

The CBA would like to thank everyone who attended these annual meetings and a sincere thank you to our speakers. The CBA would also like to thank our sponsors: Independent Community Bankers of America (ICBA), Travelers, and UPS. “These well-attended meetings could not have been such a success without the support of everyone involved. The CBA appreciates your support of the Association,” said Carolyn Brown, President & CEO, CBA. M a y  •  J u n e 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 13


CBA Endorsed Member Companies share their expertise: What is Personal Financial Management (PFM)? By Mike Amerson, Senior Sales Executive, First Data a CBA Endorsed Member Company

P

ersonal Financial Management (PFM) tools promote customer understanding of their total financial picture, while also helping to improve and expand customer relationships. One study found that financial institutions offer PFM to meet both retention and financial objectives. Sixty-five percent of institutions surveyed expected PFM to increase customer retention, while another 53 percent said they expected it to improve their brand perception. Many also expected PFM to increase products per consumer (50 percent) and increase account balances (38 percent)*. • Account Aggregation enables customers to view their entire financial picture online, including accounts held at their community bank and all other financial institutions. This is a valuable convenience for the businesses or individuals who wish to take advantage of such a tool. • Budgeting allows customers to categorize their transactions to create a budget and track spending with reports and graphs. • Debt Management provides the capability for the customer to perform “what if” calculations, and establishes a financial institution as their customer’s helpful resource. Suggesting your community bank’s

products to help the customer accomplish a future financial goal, will help expand that customers relationship and increase the stickiness of the relationship. First Data recently announced that it has signed an agreement with Utah-based MoneyDesktop, Inc. to integrate the company’s personal financial management (PFM) tool into the First Data Online Banking offering. The solution offers consumers the latest PFM technology and enables them to make better-informed decisions through a simple, intuitive navigation integrated into First Data’s online banking solution. To learn more about the CBA endorsed First Data, contact Mike Amerson at (865)288-7259 or email mike.amerson@ firstdata.com.

*Callahan & Associates, Inc.; “The ROI of PFM”, Credit Unions.com, Mar 1, 2010. URL: http://goo.gl/MBzA4 (accessed on Apr 12, 2012)

14 | www.cbaofga.com | May • June 2012


Wednesday, June 6, 2012 • Idle Hour Country Club, Macon 9:00 am – 2:30 pm Identifying new sources of revenue and managing expenses during these difficult times continues to be quite a challenge for community banks. The CBA is pleased to partner with CBA Endorsed Member Companies (EMCs) to offer a new educational series designed to help you with ideas to save money, increase income and operate more efficiently using services from CBA EMCs, who have a proven success record with Georgia community banks. The inaugural workshop of the EMC Revenue Generating and Expense Control Solutions Series will be held on Wednesday, June 6, 2012, at the Idle Hour Country Club in Macon from 9:00 am - 2:30 pm. The topics and speakers for the June workshop are: “A Fresh Perspective on BOLI in a Zero Interest Rate Environment” With expectations of a continued low interest rate environment through 2013, many community banks’ net interest margins will likely continue to decrease, forcing them to look for other ways to make money or reduce costs. – Brian Miller, Managing Consultant, Banc Consulting Partners “Do More for Less” Save money through improved operational efficiency and reduced vendor processing expenses. – Jim Wilkson, President , BankSmart “How to Generate and Sustain Overdraft Fee Income in a Compliance Driven Environment” IMPACT will be able to show and prove to community banks they can still create and sustain overdraft fee income in this compliance driven environment. – Jason Pruitt, Vice President of Sales, IMPACT Financial Services “The Battle for Independence: Understanding the Revised Interagency Guidelines on Appraisals and Evaluations” On December 2, 2010, five federal agencies jointly issued revised Appraisal Guidelines for regulated institutions. Join your peers as Nathan Brown guides you through the independence requirements and offers practical compliance strategies. – Nathan Brown, Chief Legal Officer & Senior Compliance Director, MountainSeed Appraisal Management If you are interested in learning solutions to increase revenue and to control and reduce expenses, please make plans now to attend this new series.

About the Speakers Brian Miller, Managing Consultant, Banc Consulting Partners Brian is a founding member and Managing Principal of Banc Consulting Partners. Brian specializes in the design and ongoing management of Bank Owned Life Insurance (BOLI) portfolios and the non-qualified benefit programs that are financed with BOLI. He is a graduate of Georgia Southern University and is a licensed insurance representative, a registered representative with FINRA (Financial Industry Regulatory Authority) and holds his Series 6 and 63 licenses. Jim Wilkson, President, BankSmart Jim has spent 32 years working in nearly every aspect of banking operations and the past eleven committed to helping community banks make educated decisions about their technology environment and service providers. A graduate of many banking programs including the University of Wisconsin Graduate School of Banking, his familiarity with the service providers in the industry and comprehensive understanding of the vendor selection process has earned him a respected reputation among both clients and peers within the banking industry. Jason Pruitt, Vice President of Sales, IMPACT Financial Services Jason has been in the community banking industry for over 20 years. He began his career at Roswell Bank and worked for community banks for over 10 years before serving as Vice President of Member Services for the Community Bankers Association of Georgia (CBA). At the CBA, Jason worked with state and federal regulatory agencies, the Georgia legislature, endorsed and associate member companies and executive community bankers from across the state of Georgia. He is presently the Vice President of Sales for IMPACT Financial Services. Nathan Brown, Chief Legal Officer & Senior Compliance Director, MountainSeed Advisors Nathan brings a substantial wealth of knowledge garnered through years of experience in advising clients through complex financial transactions and regulatory compliance. Nathan has proven experience managing large-scale licensing and registration efforts in states across the country; and deep levels of knowledge and application experience relative to the Truth in Lending Act (TILA), the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), the Dodd-Frank Act, and the Office of the Comptroller of the Currency (OCC).


Community Banks are Taking Another Look at BOLI By Bill Cunningham, M a n a g i n g P r i n c i p a l , B a n c C o n s u l t i n g P a r t n e r s , a CBA Endorsed Member Company

W

hen you talk with bankers today, a common thread of concern surfaces – loan demand is still sluggish, existing investments are maturing or being called in an extremely depressed interest rate market and it’s more difficult than ever to improve the bottom line and make a reasonable return for shareholders. What to do? Banks are looking at the tax-preferred yields available with bank-owned life insurance (BOLI). BOLI enables banks to convert otherwise taxable assets into taxdeferred and ultimately tax-free earnings if the product is held until maturity. The concept is simple: as an alternative to making a loan or buying a bond, the bank purchases insurance policies on key personnel and typically shares a portion of the death benefit with the participant’s beneficiary. The premiums are invested by the insurance company

which then returns a tax-preferred yield to the bank. BOLI yields can be significantly higher than what is available in the securities market and even favorable when compared to a bank’s loan portfolio, especially after considering the acquisition, maintenance and provision costs of loans. Regulatory guidelines allow banks to utilize tax-preferred BOLI income as a means to offset most types of employee benefit plans. As of year-end 2011, 52% of the banks in the U.S. had acquired nearly $148 billion of the BOLI asset. Many product types and investment options are available, and it is necessary to complete a pre-purchase examination in order to determine the best mix for your organization. For more information, call Bill Cunningham at (205) 9683255 or email bcunningham@yourbankpartner.com.

Fear and Change

By Dave Russell, D i r e c t o r o f M a r k e t i n g , C R S D a t a , a CBA Endorsed Member Company

C

hange was in the wind in 2008 but none of us knew the full consequences as they have played out. As a company 100% tied to real estate data and information, CRS Data had a rude awakening. We had customers that were dependent on our data and software to do real estate evaluations and marketing tasks. Real estate investors could no longer get loans. Those who wanted to sell had no customers. Structural change had kicked us squarely in our financial behind and we needed to make some decisions for our future. We attended the 2011 ICBA conference in San Diego. We listened closely to conversations pertaining to the regulatory tsunami that was just crashing in on community bankers. We could hear and feel the fear and confusion. We knew we could help.

16 | www.cbaofga.com | May • June 2012

Most astounding was our discovery that no company was serving community banks in the way we could. We developed bank-specific software, the CRS Banker Suite that allows banks to perform in-house evaluations that are passing the scrutiny of federal and state regulators. CRS Data had to change and adapt. The change was driven by initial fear. Those of us still standing after the fight have learned from it and have made the adjustments to prosper still. You know that you must change and adapt because your community needs you to. Your bank is uniquely qualified to help local people, if for no other reason, you care about where you live. For more information, call Dave Russell at (800) 374-7488 or email drussell@crsdata.com.


IT ALL ADDS UP

CBA Endorsed Member Companies Superior Products ‌ Significant Discounts When it’s time to research new service providers or rethink current ones, your first call should be to CBA of Georgia. Each Endorsed Member Company has undergone a thorough due diligence process by the Member Services Committee and CBA team. After receiving a recommendation from the Member Services Committee, the CBA Board of Directors reviews the company for final approval. Enjoy special savings, tremendous customer service and peace of mind by choosing CBA Endorsed Member Companies. Contact a CBA Endorsed Member Company to start saving today! ACG | Currency Counting Program Phil Winn | phil@acg.us.com | (770) 442-9800

IMPACT Financial Services | Overdraft Privilege Program Jason Pruitt | jpruitt@impactfinancial.com | (770) 883-6609

Banc Consulting Partners | Executive Benefits/BOLI Brian Miller | bmiller@yourbankpartner.com | (770) 485-8559

MountainSeed Appraisal Management, LLC | Commercial Appraisal Management Carl Streck | carl@mountainseed.com | (404) 736-6106

banc-serv Partners, LLC | SBA Loans, Packaging, Sales & Servicing Brad Crawford | bcrawford@banc-serv.com | (866) 408-2262 BankersEdge | Online /DVD Training Program Nora Ebersbach | nebersbach@bankersedge.com | (314) 542-6493 BankSmart | Bank Operations/Vendor Management Jim Wilkson | jwilkson@banksmartusa.com | (813) 774-8000 Computer Services, Inc. | Web@Work Portal for Directors/Employees Bill Evers | Bill.Evers@csiweb.com | (800) 545-4274 Corporation Service Company | UCC/Lien Searches Ciela Corradin | corradi@csinfo.com | (800) 927-0901 CRS Data | CRS Data Banker Suite Real Estate Info Kari Autry | kautry@crsdata.com | (865) 584-8017 Dell SecureWorks | Managed Internet Security Jamie Kirkland | jamie_kirkland@dell.com | (404) 486-4481 The Eversole Group, LLC | Marketing Program Craig Eversole | craig@theeversolegroup.com | (601) 977-5225 Executive Insurance Agency, Inc. | VSI Program Randy Sower | info@executiveinsuranceagency.com | (770) 474-2355 First Data | Internet Banking & Mobile Banking Mike Amerson | mike.amerson@firstdata.com | (865)288-7259 FIS | Free ATM Network Steven Roberts | steven.roberts@fisglobal.com | (770) 209-8484 Harland Clarke | Check Program Janette Buxo | janette.buxo@harlandclarke.com | (787) 923-3402

PULSE | Debit Network Program Denise Stigge | deniseStigge@pulsenetwork.com | (800) 420-2122 SageWorks | Cash Flow Analysis Shane Byrd | shane.byrd@sageworksinc.com | (919) 851-7474 SHAZAM | Debit Card/EFT Processing Mark Fucci | mfucci@shazam.net | (866) 644-9314 Southwest Financial Services, Ltd. | Flood Determination Insurance & Appraisal Management Stephanie Bennett | stephanie.bennett@sfsltd.com | (513) 621-6699 Staples | Office Supply Program Jason Warholak | jason.warholak@staples.com | (404) 664-4543 TransFirst | Merchant Services Processing Donna Burns | dburns@transfirst.com | (731) 772-1425 Travelers | D & O/Institutions Bond Program Diana Baker | dcbaker@travelers.com | (678) 317-7882 Triad Financial Services, Inc. | Consumer Loan Program Keith Stayer | kstayer@triadfs.com | (800) 522-2013 TriNovus | TriComply Compliance Solution Starr Largin | starr.largin@trinovus.com | (205) 588-4316 UPS | Overnight Delivery Program Melanie Alaviv | malavi@ups.com | (404) 699-6419 William Mills Agency | Public Relations Firm William Mills | william@williammills.com/(678) 694-7213


GRASP Enjoys Success with Luncheon Forums The CBA Group of Asset Servicing Professionals (GRASP) Luncheon Forum was launched in September 2011 and additional luncheons were held in January and May 2012. More than 200 special asset professionals have participated in the GRASP Luncheon Forums and great interest continues to be shown for future luncheons. The latest GRASP Luncheon Forum was held on Thursday, May 10th in Atlanta. Close to 60 special asset professionals came together to network with one another while hearing industry experts discuss hot topics such as: • “Ad Valorem Taxation – Challenges and Procedures for Making Sure Your Property is Appropriately Taxed” John Pearson, Managing Partner for Cold River Land, LLC. • “Top Ten Things You Should Know About Bankruptcy in the Special Assets Arena” Carl Streck, Co-founder of MountainSeed Appraisal Management Co. • “Appraisals and the FDIC/OCC Requirements” Virginia Bogue, Partner, Howick, Westfall, McBryan & Kaplan, LLP The CBA appreciates the valuable time and expertise the speakers provided at the May GRASP Luncheon Forum. In addition, the CBA extends a big “thank you” to the GRASP Chairman, Todd Westfall, Howick, Westfall, McBryan & Kaplan, LLP and to the May GRASP sponsors: Cold River Land, LLC and the Independent Community Bankers of America (ICBA). The next GRASP Luncheon Forum will be held Thursday, August 23, 2012 at Maggiano’s Little Italy, Cumberland Mall, Atlanta. SAVE THE DATE and watch for additional details to arrive at your office soon.

Hosting a fun event at your bank? Send us your community news and you could be featured in a future issue of Georgia Communities First! 18 | www.cbaofga.com | May • June 2012

Vinings Bank Celebrates Community Banking Month with a Barbecue Vinings Bank, Smyrna, celebrated Community Banking Month by hosting a barbecue with Chef Dan Oliver, CEO; Clark Hungerford, EVP/COO, and other bank employees. Community Banking Month was recognized during April with a proclamation from Governor Nathan Deal. Customers, law enforcement officials and community leaders enjoyed ribs, chicken, hot dogs and true Southern hospitality.


Community Bankers Graduate From the May 2012 CBA Bank Secrecy Act Officer School On May 17, 2012, twenty-six Bank Secrecy Act (BSA) Officers from community banks located in Georgia and South Carolina, graduated from the Community Bankers Association of Georgia’s (CBA) Bank Secrecy Act School, which is part of the Community Bankers University (see photo at right). This school is offered twice a year and is designed specifically for community bank BSA and Compliance Officers & Auditors. Students learned the role of a BSA Officer, as well as the legal and operations aspects of the Bank Secrecy Act. “One major requirement of the Bank Secrecy Act is for each financial institution to designate a BSA Officer, as well as a back-up officer, and ensure that the BSA Officer’s are well-trained and qualified to carry out the duties of this important position. We believe this school provides a unique interactive training environment to assist community banks in meeting this goal,” said Carolyn Brown, President and CEO of the CBA. The CBA appreciates the bankers who attended the school and extends a “thank you” to the May faculty: Dianne Barton, President, Performance Solutions; Melissa Hettich,

Specialist of Compliance and Bank Secrecy Act for Nichols, Cauley & Associates, LLC; Jantzen Blackmon, Special Agent, U.S. Department of Homeland Security, Homeland Security Investigations – ICE; Heather Sartain, District Director, Georgia Department of Banking & Finance; Jay Postma, CAMS, President, MSB Compliance Inc.; and Doug Keipper, National Risk Manager for Banker’s Toolbox. The next BSA Officer School will be held Tuesday-Thursday, October 23-25, 2012 in Atlanta. For more information, please contact the CBA at (770) 541-4490, or visit the website at www.cbaofga.com.

We are GROWING to better serve you. We are honored to introduce our newest attorney:

Michael N. White Of Counsel

banking & financial institutions

Direct: 478-749-9921 mwhite@jamesbatesllp.com

JB B

For over 12 years throughout Georgia, Michael’s practice has focused on financial institutions providing legal counsel regarding securities compliance, including the preparation of periodic reports, disclosure requirements, proxy solicitations, shareholder relations, corporate governance and insider trading rules. He also has extensive experience in public offerings and private placements to raise capital, mergers and acquisitions including “going private” transactions, holding company formations and de novo bank organizations. Additionally, he works with the firm’s Financial Institutions Practice Group handling problem loan workouts, litigation, bankruptcy and collections.

JB B

Providing honorable and creative solutions for our clients. n Appellate n Banking & Financial Institutions n Churches & Religious Organizations n Construction n Corporate & Transactional n Creditors’ Rights & Bankruptcy n Eminent Domain n Employment n Environmental n Healthcare n Insurance n Litigation

james n bates n brannan n groover llp

n Mediation & Arbitration

MACON 231 Riverside Drive Suite 100 | Macon, Georgia 31201 TEL 478.742.4280 ATLANTA 3399 Peachtree Road NE Suite 1700 | Atlanta, Georgia 30326 TEL 404.997.6020 JamesBatesLLP.com | Georgia’s Law Firm Since 1999

n Real Estate n Trusts and Estates n Tax & Wealth Planning

M a y  •  J u n e 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 19


Community Bankers Association of Georgia and Dell SecureWorks present

7th Annual Information Technology (IT) Security Conference Thursday, October 18, 2012 • Dell SecureWorks, Atlanta

Agenda At-A-Glance 7:30 – 8:00 a.m. – Registration / Continental Breakfast 8:00 – 8:30 a.m. – Welcome / Opening Remarks / Overview of Program 8:35–9:25 a.m. – “Balancing Compliance with Common Sense to Secure Your Banking Data” Kevin Wieting, Security Systems Senior Advisor, Dell SecureWorks 9:30 – 10:20 a.m. – “Top Threats of 2012 to the Financial Sector” Don Jackson, Senior Researcher, Counter Threat Unit research team, Dell SecureWorks 9:30 – 10:20 a.m. – Break 10:30 – 11:20 a.m. – “Ensuring the Safety of Your Employees and Facilities” James “Jim” Hardy, Protective Security Adviser, U.S. Department of Homeland Security, Office of Infrastructure Protection 11:25 a.m. – 12:15 p.m. – “Social Engineering: Wolf in Sheep’s Clothing” Tom Dager, Director or Security and Risk Consulting, Dell SecureWorks 12:15 – 1:30 p.m. – Lunch / SOC Tour (optional) 1:30 – 2:25 p.m. – “Mobile Security” Dale Gonzalez, Product Strategist, Dell SecureWorks 2:25 – 2:45 p.m. – Cloud Security Mark Wood, Product Manager, Cloud Security, Dell SecureWorks 2:45 -3:00 p.m. – Closing Remarks / Adjourn Jamie Kirkland, Security Specialist, Dell SecureWorks 20 | www.cbaofga.com | May • June 2012

Hardly a day goes by that cyber threats are not in the news. Lawmakers, business and government leaders and security experts are doing all they can to fight cybercriminals who are out to reap trade secrets, personal information and money. If your IT resources are stretched too thin to keep up with everything that needs to be done and you don’t have resources to focus on security, you are not alone. So how does your bank stay safe? One way is to attend the 7th Annual Information Technology (IT) Security Conference as we explore how to better protect your infrastructure from cyber attacks. Register today and come hear security experts present the cyber threats the financial community should be prepared for, as well as tips, techniques and tools to help minimize risks and bring value to your business. CBA is pleased to partner with our endorsed member, Dell SecureWorks, a provider of world-class information security services, to offer this educational one-day conference designed specifically for Georgia community bankers. Continuing Professional Educational (CPE) credits are available to participants. To learn more and to register, please visit www.cbaofga.com or contact the CBA Education Department at education@cbaofga.com. Dell Inc. (NASDAQ: DELL) listens to customers and delivers worldwide innovative technology and business solutions they trust and value. Recognized as an industry leader by top analysts, Dell SecureWorks provides world class information security services to help organizations of all sizes protect their IT assets, comply with regulations and reduce security costs. For more information, visit www. dell.com/secureworks.


July Seminars for Lenders, Loan Administrators and Credit Analysts Analyzing Personal Financial Statements and Tax Returns Seminar Thursday, July 19, 2012 Idle Hour Country Club, Macon This new program will be led by John Barrickman, President of New Horizons Financial Group, FL. John is a former bank CEO with insightful real world experience and serves as a faculty member at several major domestic graduate banking schools. Loan Documentation for Loan Administrators Tuesday, July 24, 2012 The Macon Centreplex / Coliseum Edgar H. Wilson Convention Center Loan Documentation is a critical component in lending. This part of the lending process is essential in order to avoid loan losses and compliance violations due to poor documentation. Join Jeffery Johnson, President, Bankers Insight Group as he leads this informative workshop. Training the Credit Analyst “A Two-Day Course for the Community Bank Credit Analyst� Wednesday - Thursday, July 25-26, 2012 The Macon Centreplex / Coliseum Edgar H. Wilson Convention Center As community banks grow and strive for higher performance, the need to cultivate and develop a portfolio of commercial borrowers increases. This two-day program is an introductory workshop designed to address the needs of beginning credit analysts and will reinforce the credit skills of current credit analysts. To learn more about these seminars and to register, please visit www.cbaofga.com or contact the CBA Education Department. Continuing Professional Education (CPE) credits are available to participants.

CBA Education Calendar 5th Annual Advanced BSA Officer School Tuesday - Friday, July 31-August 3, 2012 The King & Prince Golf & Beach Resort, St. Simons

7th Annual Compliance School Monday - Thursday, October 15-17, 2012 JHTC at CBA Headquarters, Atlanta

Information Technology (IT) Security Conference Thursday, October 18, 2012 Dell SecureWorks, Atlanta

BSA Officer School Tuesday - Thursday, October 23-25, 2012 JHTC at CBA Headquarters, Atlanta

Consumer Lending School Monday - Friday, November 5-9, 2012 JHTC at CBA Headquarters, Atlanta

For the most current listing of the CBA courses, please visit www.cbaofga.com or contact the CBA. Dates/ locations subject to change.


1900 The Exchange, Suite 600 Atlanta, GA 30339 www.cbaofga.com

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May -June CBA Georgia Communities First Magazine