Fall 2016 Georgia Communities First Magazine

FALL 2016

INSIDE

Official Publication of the Community Bankers Association of Georgia

• 2016-2017 Board of Directors • Annual Meeting Highlights in Bermuda • Lifetime Service Awards • CBA Endorses The Baker Group • Educational Opportunities

Member:

GEORGIA Communities FAL L 2016

FIRST

F E AT U R E S

INSIDE

CBA STAFF Rob Braswell President & CEO rob@cbaofga.com Lori Godfrey Director of Legislative and Regulatory Affairs lori@cbaofga.com Lindsay Greene Vice President Marketing & Member Services lindsay@cbaofga.com Taylor Stalling Marketing & Graphic Design Coordinator taylor@cbaofga.com Jeremy Thomens Marketing & Member Services Coordinator jeremy@cbaofga.com Peake Wilson Vice President Corporate Events & Leadership Division, CBA Corporate Secretary peake@cbaofga.com Teresa Day Administrative & Corporate Events Assistant teresa@cbaofga.com Jodi Swilley Director of Education & Professional Development jodi@cbaofga.com Donna Coutant Education Coordinator donna@cbaofga.com Connie Shepard Education Associate connie@cbaofga.com Tammy Maass CFO tammy@cbaofga.com Stephanie Taylor Accounting/Operations Coordinator stephanie@cbaofga.com

2 3 6 7 8 10 14 25 28 29 30 31

Could the Difference Be Any Clearer?

Above the Fray

Successful Annual Meeting & Trade Show page 10

General Counsel Corner: Continued Focus on Third-Party Risk Management Welcome CBA Board of Directors Endorsed Member Company Spotlight: Jim Wilkson CBA Went to Bermuda!

Lifetime Service Award Recipients

Lifetime Service Awards page 14

CBA Endorses The Baker Group Guest Article: Set Your Board of Directors Free with WebBased Portal Apps Guest Article: Q&A with the OCC Guest Article: ATMs- Still a Payment Channel in Demand Guest Article: ATM Risk Assessments: Forgetting Your Most Valuable Asset

Educational Opportunities page 21

S TA Y C O N N E C T E D Scan with your smartphone to view our website.

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

CBA Endorses The Baker Group page 25

Fal l 2 0 1 6 | G e org i a Co m m un i ti es F i rs t | 1

FROM THE PRESIDENT'S DESK

COULD THE DIFFERENCE BE ANY CLEARER?

W

ow . . . just when you thought you had heard it all, news breaks about the Wells Fargo debacle. Investigations by the LA Times, the Los Angeles City Attorney, and federal regulators found that many Wells Fargo employees opened over two million accounts—deposit and credit card—that may not have been authorized or wanted.

You read that right—two million violations of customers. For the credit cards, they used customer information without their knowledge or consent. Some customers incurred fees due to these actions. These activities have been ongoing since at least 2011.

Over the course of five years, 20112016, Wells Fargo terminated about 5,300 employees, and has agreed to pay a total of $185 million in fines.

The CFPB is responsible for $100 million of this fine, which is the largest in its history.

At a recent Senate Banking Committee hearing, Wells Fargo Chairman and CEO John Stumpf received blistering criticism for how Wells Fargo created such a high pressure culture to open new accounts and the ultimate harm done to customers.

To compound matters, it appears that senior management did not act to correct

2 | ww w.cbaofga.co m | Fall 2016

Rob Braswell President & CEO Community Bankers Association of Georgia

the problem until lawsuits and federal regulators were forcing the issue.

At the time of this writing, no member of senior management has been terminated, demoted or had any of their past compensation “clawed back”; however, lawsuits against Wells Fargo are starting to mount, the Labor Department has started a probe, and Senator Elizabeth Warren has encouraged other federal agencies with jurisdiction in this matter to follow the Department of Labor’s lead.

We know our customers because we are focused on relationships, not transactions.

Now contrast the high pressure, transaction-based,incentive-laden, impersonal culture exemplified by Wells Fargo to that of our community banks.

Our banks exist and thrive by serving the interests of local customers and small businesses. We know our customers because we are focused on relationships, not transactions.

We are creative, dedicated and hardworking friends and neighbors.

As locally based financial providers serving the people we see at church, civic organizations, PTA meetings and Friday night football games, we are obliged to be honest, responsive and helpful—not only is it our culture and part of the fabric of our being, but our business depends on it.

Unlike the Wells Fargos of the world, we are always mindful that we are only successful if our customers and communities are too. If the need for community banks, community banking associations, and ICBA wasn’t abundantly clear before, it should be crystal clear now. We are different – and proud to be so.

As always, please feel free to contact me or any of us at the CBA if we can assist you in any way.

Best regards,

FINER

ABOVE THE FRAY

F

or Independent Community Bankers of America, it was simply the last straw. It wasn’t even a close call.

The National Credit Union Administration’s irresponsible power play earlier this year to ignore the explicit member business lending limits Congress has set for credit unions could not be ignored. As you’ve heard by now, ICBA filed a federal lawsuit last month against the NCUA for its flagrant disregard for the plain meaning of both the letter and the spirit of the Federal Credit Union Act. Specifically, on behalf of community banks nationwide, the association has asked a federal court to invalidate the NCUA’s member business lending rules set to take effect in January.

If unchallenged, the NCUA’s latest rogue promulgation will deliberately create loopholes so vast as to render meaningless the explicit statutory 12.25-percent-totalasset cap on credit union commercial lending that Congress purposefully put in place. Certainly, this disingenuous regulatory interpretation will expand, to an absurd degree, the federally funded competitive advantages tax-exempt credit unions enjoy over community banks. In the process, however, the regulation also tramples upon consumers, taxpayers, the financial system, and the integrity of responsible government.

Adding further shame to the NCUA’s action, Congress has repeatedly and

POINTS

Cam Fine President & CEO Independent Community Bankers of America

formally rejected credit union efforts to expand their commercial lending activities.

Community bankers know firsthand the NCUA’s longstanding reputation for bureaucratic featherbedding rather than impartial regulation. ICBA has long and repeatedly criticized the NCUA for abandoning its duty to act as a responsible regulator overseeing a highly subsidized industry. Time after time, incremental step by egregious step, the agency has transparently chosen the role of a permissive enabler of unbounded credit union industry demands. Mostly serving

America’s true democracy will always be loud and raucous as a vigorous competition of ideas and courses of government action.

the wishes of a few large, aggressively growth-oriented credit unions, the NCUA for years has adopted rulemakings that plainly bend, stretch and waltz around clear congressional statutes and intentions.

A still freshly minted case in point that ICBA is closely monitoring involves the NCUA’s proposed field-of-membership rule that would eviscerate the definition of “well-defined local community,” which by law limits the territory a communitybased credit union can serve. If adopted, that proposal would make an absolute

mockery of statutory credit union membership restrictions, allowing by one example a seven-state territory to qualify as “local” community from which credit unions could accept members.

Enough is enough! NCUA is too far out of control. For ICBA, it’s time to take a firm and unequivocal stand against the NCUA’s unlawful regulatory adventurism.

By filing its lawsuit, ICBA wants simply to compel the agency to adhere to the law when writing its rules. Our legal action is not undertaken lightly. We did not want or seek this fight, but we are compelled to defend community banks and Main Street America and, fundamentally, the integrity of equal protection under law. Failing to act otherwise would tolerate government malfeasance and, yes, arbitrary tyranny. America’s founding principles and heritage demand that no man is above the law.

Neither is any private corporation or, as our lawsuit reminds, any public agency.

As the nation’s voice for community banks, ICBA is taking this stand on behalf of the nearly 6,000 community banks nationwide. Our action reflects ICBA’s mission to create and promote an environment where community banks flourish. We will take our all the way to the U.S. Supreme Court if necessary.

Fal l 2 0 1 6 | G e org i a Co m m un i ti es F i rs t | 3

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1.800.351.3843 contactHC@harlandclarke.com • Analytics • Direct Mail • Email • Contact Center Research ww w.cbaofga.co m | Fall 2016 © 2015 Harland Clarke Corp. ClickSWITCH is a trademark of the Fusion Network. All rights reserved.

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THANK YOU! COMMUNITY BANKERS ASSOCIATION OF GEORGIA

2015-2016 PAC/PR

HONOR ROLL Based upon contributions for the period from 10/1/15 through 9/30/16

Different levels of contributions have been set to recognize supporters of the CBA Political Action Committee/Public Relations Funds (PAC/PR) and to make the Association’s membership more aware of this important facet of our work on behalf of the community banks across Georgia.

The CBA Board of Directors has again made the decision to issue a challenge to all CBA member bank CEOs for their bank to contribute a minimum of $1,000 to the CBA PAC/PR Funds this year. All banks meeting this challenge through contributions by the bank, the parent holding company and/or by officers or directors are listed as members of the Chairman’s Club – Gold Level. Those contributing between $500 and $999 are listed as Silver Level contributors, and those contributing less than $500 are listed as Bronze Level contributors.

Contributing CBA Associate Members are included in these categories as well.

CHAIRMAN'S CLUB- GOLD LEVEL CONTRIBUTIONS OF $1,000 OR MORE

Bank of Dawson

Peoples Bank, Lyons

Bank of Early, Blakely

Planters First Bank, Cordele

BankSouth, Greensboro

Queensborough National Bank & Trust Co., Louisville

Capital Bank, Fort Oglethorpe

State Bank & Trust Co., Macon

Citizens Community Bank, Valdosta

The Bank of LaFayette

Exchange Bank, Milledgeville

The Citizens Bank of Swainsboro

F&M Bank, Washington

The Farmers Bank, Greensboro

Farmers & Merchants Bank, Statesboro

The Merchants & Citizens Bank, McRae

Farmers State Bank, Lincolnton

Vinings Bank, Smyrna

First Bank, Dalton First State Bank, Wrens First State Bank of Randolph Co., Cuthbert

SILVER LEVEL

CONTRIBUTIONS OF $500 TO $999

Guardian Bank, Valdosta

Alma Exchange Bank & Trust

Mount Vernon Bank, Vidalia

Bank of Camilla

Newton Federal Bank, Covington

Carr, Riggs & Ingram, LLC., Atlanta

Oconee State Bank, Watkinsville

Durden Banking Co., Inc., Twin City

Peach State Bank & Trust, Gainesville

Family Bank, Pelham Fal l 2 0 1 6 | G e org i a Co m m un i ti es F i rs t | 5

Corner GENERAL COUNSEL

legal news and updates for cba members Have a topic you would like to see covered in “General Counsel Corner?”

Email us at generalcounselcorner @ jamesbatesllp.com

cbahotline

@ jamesbatesllp.com

Thomas A. Simpson of counsel

(404) 997-7506

tsimpson@jamesbatesllp.com

John W. Sillay

AssociAte (478) 749-9923

jsillay@jamesbatesllp.com

Fall 2016

Continued Focus on Third-Party Risk Management Through the FDIC’s “Guidance for Third-Party Lending”

by Thomas A. Simpson and John W. Sillay

In June 2008, the FDIC issued a Financial Institution Letter titled “Guidance for Managing Third-Party Risk” (the “Third-Party Guidance”). While it took a few examination cycles for the full breadth and importance of the ThirdParty Guidance to be appreciated, the issue of third-party risk management has likely been at the forefront of your bank’s risk management program for some time now. In light of the fact that more financial institutions have begun relying on third parties to generate loan growth, increase fee income, and/or outsource interest rate risk, the FDIC has felt it prudent to issue the Examination Guidance for Third Party Lending (the “Lending Guidance”). In large part, the Lending Guidance serves as a supplement to the Third-Party Guidance by extending many of its provisions to institutions making loans by, for or through third-parties. Like the ThirdParty Guidance does for third-party relationships in general, the Lending Guidance requires bank senior management and boards of directors to carefully assess the risks inherent in third-party lending and develop a third-party lending risk management program that assesses, measures, monitors and controls the risks associated with third-party lending on an ongoing basis.

While we will not re-state the Lending Guidance in full in this article, we believe that this new regulatory publication will have significant impact on any bank that operates a thirdparty lending program, and we encourage bank directors, senior management and risk officers to study the Lending Guidance with care. Two items of particular importance are the emphasis that the Lending Guidance places on the agreements that evidence the relationship between a bank and its selected third-parties and the due diligence a bank should perform on perspective and current third-parties.

In our collective experience, correspondent banking agreements and other third-party lending agreements are notoriously difficult to negotiate. Using the mortgage thirdparty marketplace as one of the more prevalent examples, third-party originator agreements, repurchase agreements, and/or correspondent lending agreements tend to contain significant representations and warranties on the part of the originating bank and require the bank to comply with any and all terms of an ethereal “lending program” that can be modified at any time without notice. While these agreements are likely to meet the requirements of the Lending Guidance from the purchaser’s perspective, the Lending Guidance indicates that a middle ground will need to be established with respect to the obligations placed on banks selling loans on the secondary market.

While the Third-Party Guidance goes into significant detail with regard to requirements of an institution’s engagement of third-party vendors in general, the Lending Guidance specifically states, among other things, that a third-party lending agreement (i) should not contain indemnification, warranties, or recourse terms that pose undue risk to an institution, (ii) should provide full discretion to the

institution to require implementation of specific policies and procedures and (iii) should provide for full access to all information necessary for an institution to perform its risk assessment. Furthermore, the Lending Guidance provides that legal counsel should review and analyze each of these contracts to provide an outline of potential recourse to the institution.

In addition to the emphasis on contract review and negotiation, the Lending Guidance requires that banks perform due diligence on each third party relationship to determine the suitability of the relationship. Before and during an institution’s engagement in a third-party lending relationship, an institution should review certain minimum due diligence factors, including, but not limited to: (i) the credit quality of loans solicited or underwritten by the third-party, (ii) the knowledge and experience of third-party personnel, (iii) the third-party’s historical repurchase volumes, (iv) the amount of consumer complaints the third-party has received and (v) the third party’s vendor relationships. A full list of the minimum due diligence requirements can be found on page 7 and page 8 of the Lending Guidance, but it is important to note that these requirements represent only a minimum amount of the due diligence required. For larger relationships, and any other relationships with heightened risks, a bank will likely need to perform a deeper analysis, using any and all available information.

Finally, the Lending Guidance emphasizes that the institution itself remains responsible for all regulatory compliance matters, including credit underwriting, performance monitoring and sensitivity analysis, loss recognition, capital adequacy, consumer regulatory compliance and BSA/AML compliance. While many of these areas seem to be natural extensions of the existing regulations, it is not yet clear if and how a bank’s performance monitoring and capital adequacy analysis should be modified in light of the Lending Guidance.

For bank’s that sell loans on the secondary market, the Lending Guidance may prove helpful in at least one aspect.

As with the Third-Party Guidance, industry standard contract provisions will eventually shift to accommodate the Lending Guidance, making it easier for banks to analyze the risks associated with these relationships and reducing the amount of negotiations needed to arrive at an acceptable agreement.

Until the industry standard catches up with the terms of the Lending Guidance, banks can point to the Lending Guidance as the impetus for their requested negotiations and can feel more confident to push back against the “take it or leave it” approach to negotiations that has been the industry standard to date. After all, the FDIC is insisting that these relationships will be carefully scrutinized in upcoming exams, and when a bank chooses to enter into a third-party lending agreement from this date forward it should be certain that it is well-prepared to provide evidence that all aspects of the relationship fall within the bank’s established risk tolerances.

PRESENTED BY GEORGIA’S LAW FIRM: 6 | ww w.cbaofga.co m | Fall 2016 OFFICES MACON + ATLANTA

“General Counsel Corner,” a recurring column featuring legal news and information of interest to CBA members, is brought to you by James-Bates-Brannan-Groover-LLP. Visit us at GeorgiasLawFirm.com

WELCOME CBA BOARD OF DIRECTORS 2016-2017

Chairman-Elect/Committee Chair: Nominating & Political Affairs Vice Chairman Chairman

Brad Serff Providence Bank, Alpharetta

Scott Tomlinson Flint Community Bank, Albany

Division 2 Chair

Division 3 Chair

Charles Rooks Family Bank, Pelham

Division 9 Chair

Keith Hales Hamilton State Bank, Hoschton

Member at Large

John Lewis Foothills Community Bank, Dawsonville

Charlie Curry First State Bank of Randolph County, Cuthbert

Division 10 Chair

Treasurer/ Committee Chair: Audit

Immediate Past Chairman

At Large

Tim Jones Dan Oliver Ron Quinn Citizens Community Peach State Bank & Vinings Bank, Bank, Valdosta Smyrna Trust, Gainesville

Division 4 Chair

Division 5 Chair

Leonard Moreland Elliott Miller Heritage Bank, Georgia Banking Jonesboro Company, Atlanta

Ex-Officio/ ICBA

Dawn Griffin Liberty First Bank, Monroe

Bran Thompson South Georgia Bank, Glennville

Member at Large

Member at Large

Dale Morris Derek Williams First National Bank Century Bank & of Coffee County, Trust, Milledgeville Douglas

Ed Cooney Affinity Bank, Atlanta

Division 6 Chair

Division 1 Chair

Al Ross Peoples Bank, Lyons

Division 7 Chair

Division 8 Chair

Henry Pope Exchange Bank, Milledgeville

David Caswell Century Bank of Georgia, Cartersville

Paul Bennett Alma Exchange Bank, Alma

Member at Large

Member at Large

Member at Large

Member at Large

Bill Easterlin Queensborough National Bank, Louisville

Corey Gibbs Community Banking Company of Fitzgerald

Marc Greene Mountain Valley Community Bank, Cleveland

Chuck Harwell Community Bank of Dublin – Laurens County

Member at Large/ LD Chair

Member at Large

Terri B. Guthrie First Landmark Bank, Marietta

Rob Braswell CBA of Georgia, Atlanta

Committee Chair: Banker Regulatory Forum

Honorary Member

Clark Hungerford Pat Blanchard Augusta Vinings Bank, Smyrna Fal l 2 0 1 6 | G e org i a Co m m un i ti es F i rs t | 7

CBA ENDORSED MEMBER COMPANY

SPOTLIGHT

JIM WILKSON OF BANKSMART

In this issue, CBA is pleased to feature Jim Wilkson, President of BankSmart® in Clearwater, FL. We invited Jim to participate in a Q & A so you can learn more about this longtime Endorsed Member Company and a little more about Jim. Tell us about BankSmart and your role with the company.

BankSmart is a bank operations consulting, payment card consulting, and project management solutions company. Each of our bank consultants have over 35 years of combined community bank and consulting experience and our payments consultant has 34 years of experience in the payments industry. As President, I am primarily responsible for sales and marketing, but I also work with many of our clients on consulting engagements. I am very fortunate to have a knowledgeable, experienced, and dedicated team that takes care of our clients. Our team has worked together an average of 12 years.

How do you help Georgia’s Community Banks?

BankSmart became an Associate Member of CBA the month we launched the company and we became an Endorsed 8 | ww w.cbaofga.co m | Fall 2016

Member a few years later. BankSmart provides three services which help banks enhance profitability, improve efficiency, and streamline projects and workflows: 1) Data Processing Vendor Contract , Renegotiations, and Vendor Evaluation Services – When talking to prospects, we ask these three questions: a. Would you like your bank to operate more efficiently? b. Is it time to evaluate the renewal of your current data processing relationships or evaluate new processing alternatives? c. Would you like to save money on your data processing expenses?

If you answered “yes” to any of these questions we need to talk! The BankSmart team has extensive experience assisting banks with reviewing and improving processes and workflows, then work to evaluate the renewal of current processor relationships or evaluate new processing alternatives. We have hands-on knowledge of the vendor capabilities in the market and an unparalleled ability to perform “apples-to-apples” pricing comparisons between the proposing vendors. Once the final provider(s) have been selected, we will negotiate the best possible pricing for your bank. We are very proud of our track record of saving many banks tens (and sometimes hundreds) of thousands of dollars a year in processing expenses as a result of our comprehensive and thorough process!

2) Payment Card Consulting Services – BankSmart helps banks optimize the income potential of their debit card program by evaluating the income and expense components of the brand of debit card being utilized (VISA, MasterCard, or Discover) and the networks being utilized (Accel, Interlink, Maestro, NYCE, Pulse, and STAR, to name a few).

3) Bank & Branch Acquisition and Merger Project Solutions – SmartKitsm solutions are pre-defined project and document management tools that will organize and streamline the functional process of the acquisition and merger processes of acquiring branches, whole-banks, or failed institutions and the opening of new branch locations. SmartKit solutions are comprehensive, web-based, real-time, customizable project plans and organizational tools for smoother and more efficient merger or branch opening processes – and no hardware or software purchases are required!

Visit www.BankSmart.com and see what our clients have to say about our services.

ENDORSED MEMBER SPOTLIGHT

What’s new? Any hot products?

Saving money on processing agreements is always a hot topic with banks, and BankSmart has worked with many Georgia banks and others from coast to coast on contract renewals and vendor evaluations, however our “SmartKit” services are the most popular – with banks in 43 states across the nation using one or more of these unique tools since they were introduced eight years ago.

The most recent addition to our services is our Payment Card Consulting Services, led by Brad Trowbridge. Brad helps banks optimize the income potential of their debit card program by evaluating the income and expense components of the brand of debit card and the networks being utilized.

Without changing their processing provider, a recent $200 million bank client is projected to improve the profitability of their debit card program by $50,000 a year as a result of the changes they are making to the brand and networks they are utilizing.

to having worked in community banking for 21 years – and now consulting for 15 years – I have attended several banking schools and have a BSBA from Southeast Missouri State University and graduated from the Graduate School of Banking in Madison, Wisconsin. I have provided educational sessions at conferences over the years and was a panelist at a bank technology conference in California last year.

What do you do for fun outside of work?

In my off time I enjoy boating (almost every weekend) and my favorite place to vacation is the town of Estes Park and adjacent Rocky Mountain National Park in Colorado. I recently went white water rafting while in Colorado.

Tell us more about you.

I grew up in Missouri and moved to Florida in 1995. In addition

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elliottdavis.com

Fal l 2 0 1 6 | G e org i a Co m m un i ti es F i rs t | 9

BERM

CBA went t This year’s mantra, “Bermuda – It’s Where You Want to Be!” was, in fact, the statement of the year!

And, CBA’s 48th Annual Meeting & Trade Show, held in Bermuda, was the place to be.

CHAIRMAN’S BANQUET

Bermuda’s breathtaking views were the backdrop for all aspects of the event. Thursday’s Opening Reception & Dine-Around featured two dozen top industry providers, a silent and live auction, a 1+ ct. diamond raffle, a Bali steel pan drummer, a Gombey dancing troupe, a specialty cocktail and a delectable array of dining stations.

SPEAKERS

General Sessions were packed with timely community bankingrelated topics such as “Overcoming Challenges,” a banker peer group discussion led by Dianne Barton, Performance Solutions; “It’s an Attitude Thing,” presented by J. Pat Hickman, Happy State Bank, Happy, TX.; “Ten Warnings for Community Bank Directors” and “How NOT to Sell Your Bank,” presented by Philip Smith, Gerrish McCreary Smith, PC; “Five Trends That Will Change Your Bank Forever,” presented by Jimmy Sawyers, Sawyers & Jacobs, LLC; and, “Overcoming Obstacles & Becoming Your Best,” presented by the legendary Herschel Walker.

Herschel was indeed a draw as the General Session was packed with bankers, associate members, spouses and children who ended the program with a standing ovation. Attendees were greeted warmly by Herschel as he signed autographs, posed for photos and listened to touching stories.

The Saturday evening Chairman’s Banquet included honoring the 2016 Lifetime Service Award (LSA) recipients (see more on page 14), a farewell speech from outgoing Chairman Ed Cooney, Affinity Bank, Atlanta, and a welcome address by incoming Chairman Brad Serff, Providence Bank, Alpharetta. The evening and convention concluded with a highly entertaining performance by Frank Miles, comedian and juggler, whose poignant message, “grab life by the handle and the other end takes care of itself,” was very well received and kept the audience laughing and in awe.

PRIZE WINNERS Everyone in attendance was definitely a winner! But, the “official” prize winners of the Annual Meeting were many and are as follows.

This year, CBA held its first Diamond Raffle to raise funds for PAC/PR. CBA partnered with Cumberland Diamond Exchange, Marietta, and raffled a 1.01 carat brilliant cut round diamond.

Only 50 chances were sold at $100 each. Every purchaser received entry into the raffle and a $100 gift certificate to use at the jewelry store. The raffle tickets went extremely quickly, and the fundraiser added to the event’s excitement! Ashli Matson, Crescent Mortgage Company, Atlanta, was the lucky winner of the diamond.

AROUND THE ISLAND

On Friday afternoon, while some played in the Annual Golf tournament, others enjoyed an excursion around the island in a glass-bottom boat and snorkeling the coral reefs. On Saturday morning, spouses, guests and children sailed in a Frank Miles ferry around the island learning about its history, fauna and gives an exciting performance celebrity living.

Saturday night Keynote Speaker: Herschel Walker speaks at the General Session

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MUDA

to Bermuda!

Betsy Curry Davidson, Director, First State Bank of Randolph County, Cuthbert, won $1,000 in cash after Friday’s “7-Minute Spotlight” presented and sponsored by Jim Reber, ICBA Securities, Memphis, TN. Leonard Moreland, President & CEO, Heritage Bank, Jonesboro, won $1,000 after Saturday’s “7-Minute Spotlight” presented and sponsored

by Clayton Braswell & Tony Webb of ATM Response, Suwanee.

Charlie Curry, Chairman & CEO, First State Bank of Randolph County, Cuthbert, won Friday’s $300 cash prize, sponsored and presented

by Dennis Christiansen, Secured Retirement Strategies Group, LLC, Glendale, WI. Dennis also sponsored Saturday’s $300 cash prize which was won by Lee Northcutt, Executive Vice President/Regional Executive, Colony Bank, Fitzgerald.

GOLF TOURNAMENT

The first place team with a combined score of 54 was Jim Baker; Gary Dorminey, Resurgens Bank, Tucker; Steven Ransdell, Investment Professionals, Inc., Little Rock, AR; Dan Speight, James-Bates-BrannanGroover, LLP, Macon; and, Michael Gordon, Mauldin & Jenkins, Atlanta. Two teams tied for second place with a combined score of 66.

Using the retrogression method, the tie was broken by Ricky Rodriguez, Mickey Godwin, Lacy Curry and Douglas Rieder, all with State Bank of Georgia, Fayetteville. A special Thank You goes out to Steven Ransdell, Investment Professionals, Inc. for sponsoring the Golf Cash Prizes.

This year’s Golf Tournament was held at the stunning Port Royal Golf 7-Minute Spotlight Winners: Top- Betsy Course, home of the PGA’s Grand Slam Curry Davidson; Bottom- Leonard Moreland of Golf 2009-2014. The Longest Drive was hit by David Knieriem, Computer Services, Inc., Charlotte, NC. Closest to the Pin was Jim Baker, Resurgens Bank, Tucker.

TRADE SHOW GAMES

And congratulations and thank you to everyone who participated in the Bermuda Bean Bag Toss Challenge, this year’s PAC/ PR fundraising Trade Show game. Paddy Sharma, wife of Chandler Sharma of State Bank of Georgia, Fayetteville, won the $500 cash prize drawing. The other new Trade Show game, Passport to Prizes, sponsored

by AloStar, increased traffic throughout the exhibit hall and proved to be fun for everyone!

The winners were Celeste Bray, The Peoples Bank, Willacoochee, Dan Oliver, Vinings Bank, Smyrna, Betsy Curry Davidson & Charlie Curry, First State Bank of Randolph County, Cuthbert.

Golf Winners: Left- First Place Team; Right: Second Place Team

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 11

Data.

Research.

Analytics.

Get to the essential faster.

Bringing together the highest quality data and industry-leading solutions from the S&P Capital IQ and SNL Financial platforms, S&P Global Market Intelligence integrates news, comprehensive market and sector-specific data, and analytics into a variety of tools to help clients track performance, generate alpha, identify investment ideas, understand competitive and industry dynamics, perform valuations, and assess credit risk. spglobal.com/marketintelligence

1 2 | ww w.cbaofga.co m | Fal l 2016

Copyright Š 2016 by S&P Global Market Intelligence, a division of S&P Global Inc. All rights reserved.

BERMUDA THANK YOU TO OUR SPONSORS

Platinum Sponsors

Silver Sponsors

Bronze Sponsors General Sponsor

Individual Event Sponsors Board Appreciation Dinner

Board Appreciation Reception

Specialty Drinks

Compensation Advisors

JB Board Meeting Refreshments, Registration Packet, Friday & Saturday Cash Prize

Keynote Speaker Herschel Walker

Chairman’s Reception & Golf Prizes

7-Minute Spotlight

Friday WiFi Sponsor

Saturday Break

7-Minute Spotlight

Friday Promo Materials

Welcome Refreshments & Bottled Water

Friday Break

Passport to Prizes

Thursday Night Carving Station

Convention Totes

Convention Program

Hotel Key Card

Name Badges

Chairman’s Banquet

Signage Sponsor

THANK YOU TO OUR EXHIBITORS ATM Response ​Banc Intranets, LLC Bank Financial Services Group BNY Mellon/Dreyfus Investment Management Carr, Riggs & Ingram, LLC CBIZ Insurance

Computer Services, Inc. Crescent Mortgage DeNyse Companies Econocheck Fiserv ​Gulf Coast Business Credit Independent Community Bankers of America

ICBA Securities ​Intercept Consulting Group ​Investment Professionals Inc. (IPI) ​Kasasa Promontory Interfinancial Network Secured Retirement Strategies Group, LLC

SecureWorks SHAZAM The Baker Group TJS Deemer Dana LLP Travelers

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 13

Celebrating

A LIFETIME OF SERVICE

T

he Community Bankers Association of Georgia (CBA) is proud to honor community bankers who have served 30 or more years in the banking industry. Historically, the Lifetime Service Awards are presented during the Chairman’s Banquet held at the Annual Meeting & Trade Show. The 2016 honorees are featured below.

The CBA is extremely grateful to these individuals who have served as role models to the banking community. Honoring them is a small token of the CBA’s appreciation for their efforts to the banking industry.

our pleasure to honor the men and women who have served the banking needs of their communities and lent their expertise to a new generation of community bankers throughout their careers,” stated Rob Braswell, President & CEO of the “Georgia is fortunate to have such an Community Bankers Association of impressive number of community bankers Georgia. who have reached these milestones. It’s

Edmond H. “Eddie” Wilson SouthCrest Bank, N.A., Thomaston, 30 Years Eddie earned a BS degree in Political Science from Georgia Southern University in 1983 and earned his MBA from Mercer University in 1992. He is a graduate of the Mid-South School of Banking. He began his community banking career at the Bank of Perry in 1986, joined Trust Company Bank (n/k/a SunTrust Bank), Middle Georgia in 1992 and later moved with the bank to Rome, Georgia. Eddie served as President and CEO of SunTrust Bank (Rome), and as President and COO of Georgia Bank and Trust (Calhoun). He also served as an organizing Director and the founding CEO of River City Bank in Rome, GA. In 2009, he returned to Middle Georgia to join the leadership team at State Bank and Trust Company, where he served as an EVP and Regional President.

Eddie is active in the Middle Georgia community, serving as a Board Member of the Macon Economic Development Commission and as an Overseer and Sunday School teacher at Ingleside Baptist Church.

WELCOME NEW CBA ASSOCIATE MEMBER! 1 4 | ww w.cbaofga.co m | Fal l 2016

While in Rome, GA, he served as a Director of the Greater Rome Chamber of Commerce, served as Chairman of the Floyd County Development Authority, and was appointed

by Governor Perdue as a Director of both the Georgia Student Finance Commission and the Georgia Development Authority.

Eddie is a Past President of both the Perry Rotary Club and the Rome-Seven Hills Rotary Club, a former director of the Berry College Executive Roundtable and the Chieftain’s Museum.

A native of Perry, Eddie was elected to the Perry City Council at the young age of 25.

He was a member of the Leadership Georgia Class of 1990 and has been a participant of the Leadership programs in Perry, Calhoun, Rome and Macon. Eddie and his wife, Penny, have three sons– Lawton, Patrick, and Brantley.

The Community Bankers Association of Georgia (CBA) would like to welcome a new Associate Member who was recently approved by the Board of Directors. Throughout the year, CBA’s Board approves quality vendors who provide products and services to CBA members. For more information on becoming an associate member, please contact Lindsay Greene at lindsay@cbaofga.com.

StrategyCorps Retail Banking Strategies Mr. Ryan Harbry | Atlanta, GA

20 B. Amrey Harden Oconee State Bank, Watkinsville 43 Years Amrey Harden began his career at Oconee State Bank in June 1973 as a teller and worked in that capacity until June 1978.

He went on to be a loan clerk for the bank until June 1981. At that time, Amrey was promoted to Loan Officer and he stayed in that position until 1983 when he was made the Branch Manager of the Bogart location. Two years later in 1985, he was promoted to Assistant Vice President and continued in that position until 1986. Amrey was then promoted to Executive Vice President and served in that role from 1987 until his promotion in 1994 when Amrey was named President & CEO of the bank, a role he continued to serve until his retirement in July 2016.

Amrey graduated from the University of Georgia in 1976 with a Bachelor degree in Business Administration. He later attended and graduated from the Banking School of the South, Louisiana State University, in 1984.

Amrey’s current community involvement includes: N. E. Georgia Regional Commission, Member; Upper Oconee Basin Water Authority, At-Large Member; N. E. Georgia Workforce Development Board, Chairman; Georgia Workforce Leadership Association, Chairman; Oconee County Chamber of Commerce, Member; Oconee Cultural Arts Foundation, Chairman. He has also been very committed to professional organizations including: Community Bankers Association of Georgia; Leadership Georgia, 1999 Graduate; Georgia Municipal Association; District Ten Chairman.

Charlie W. Bray, III The Peoples Bank, Willacoochee, 50 Years Charlie was born in West Point, Georgia and was raised in Manchester, Georgia, where he graduated from Manchester High in 1959. He graduated from the University of Georgia in 1966 with a Bachelor’s Degree in Business Administration and General Business. Charlie became a licensed insurance agent by the State of Georgia in 1978.

Charlie began his banking career in 1964 employed by Citizens State Bank in Butler, Georgia. He was trained in all departments and became President in 1969. Then, he left Butler and became President of The Claxton Bank from 1971-1978. He simultaneously became President of The Peoples Bank in Willacoochee in 1969 where he now lives.

One of Charlie’s longtime friends said, “Charlie Bray has forgotten more about banking than most bankers will ever know.”

Charlie is actively involved in the community. He feels strongly about supporting local businesses and community development. He is dedicated to having The Peoples Bank remain a locally owned and operated community bank to meet the complete financial needs of its customers.

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FALL SPORTING CLAY SHOOT CBA’s Semi-Annual PAC/PR Clay Shoot a Huge Success On Tuesday, October 4th, CBA’s Leadership Division hosted another successful PAC/PR Clay Shoot. The event was held at Burge Plantation in Mansfield. To view photos, please visit www.cbaofga.com/pacpr-clay-shoot.

For the Spring 2017 Clay Shoot, we will return to Wynfield Plantation on Thursday, March 23rd. Mark your calendars today!

THANK YOU TO OUR SPONSORS! premier sponsor

12 - gauge sponsors

20 - gauge sponsors

28 - gauge sponsors

station sponsors

cash prizes / golf carts

drink sponsor

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 15

COMMUNITY BANKERS ASSOCIATION OF GEORGIA’S

LEADERSHIP DIVISION The purpose of the Community Bankers Association of Georgia’s (CBA) Leadership Division (LD) is to promote the advancement of tomorrow’s financial industry leaders and to encourage and foster additional relationships between the CBA and its member banks. Membership in the LD gives representatives an opportunity to expand personally and professionally through networking, educational opportunities, political activism and awareness and community service. To learn more, please visit www.cbaofga.com/ leadership-division-membership.html. On this page, you will gain a better understanding of the Leadership Division, what its benefits are and what the group accomplishes year after year. We invite Leadership Division Chair Terri Bunten Guthrie all Georgia community banks to designate a Leadership Division Representative and join in the fun and be a part of a tremendously active and meaningful society. Membership in the Leadership Division is complimentary for CBA member banks.

“It is an honor and a privilege to chair the LD this year,” stated Terri Bunten Guthrie, Executive Vice President, First Landmark Bank. “We are a very active group dedicated to completing our initiatives and reaching our goals every year. I want to take this opportunity to remind ALL bankers across Georgia that it’s not just about the LD Board of Directors…it’s about ALL CBA Leadership Division Representatives and members…I want it to be clear that every banker throughout Georgia is invited to join and participate in all our activities.”

The LD’s initiatives are PAC/PR fundraising, Charity fundraising (currently Children’s Healthcare’s Camp Strong4Life), Julian & Jan Hester Memorial Scholarship participation and Leadership Division Membership.

The goals for 2016-2017 are as follows: Benefiting

CBA PAC/PR

Raise $25,000 (net)

Contribute $40,001 (net)

Receive at least one scholarship application from each bank.

CBA LEADERSHIP DIVISION

100% Membership

Please contact Peake Wilson at CBA’s office to learn more: (770) 541-0379 / (800) 648-8215 or peake@cbaofga.com.

SAVE THE DATE Day at the Capitol

Wednesday, February 15, 2017 Don’t miss the opportunity to:

Network with your colleagues

Discuss key upcoming legislation

Meet with your legislators

4th annual

Women In Banking Thursday, March 9, 2017

Idle Hour Country Club, Macon

Banker Regulatory Forum Adds Compliance Focus Thursday, November 3, CBA’s Headquarters, Atlanta At the November Forum, we will focus on Compliance issues. We invite you and your Compliance Officer to attend and join the discussion. As always, attendance is free to CBA members. We plan the same for the February Forum being held in Macon. The goal of this forum is to establish a dialogue with the state and federal regulatory agencies in furtherance of the following objectives: obtain timely, useful information from the regulatory agencies regarding their policies, procedures, techniques, and objectives; communicate information obtained from the regulatory agencies to the CBA members through timely publications; serve as a clearing house for the CBA member bank concerns, receiving information from members regarding regulatory and agency problems and issues; and, assist in the development of the CBA positions on pending, as well as existing regulations, interpretations and rules.

Have questions to pose to the Agencies?

Visit http://www. cbaofga.com/banker-regulatoryforum.html to submit. You may also contact Lori Godfrey, Director of Legislative & Regulatory Affairs, at lori@cbaofga.com.

Sponsored by

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 17

Correspondent Banking Account Services Federal Funds Servis1st Access Credit Services Participation Loans

Holding Company Loans Accommodation Loans Settlement Services International Services

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SAVE THE DATES

FOR OUR 2017 CONVENTIONS

39th Annual Leadership Division Convention & Mini-Trade Show

49th Annual Meeting & Trade Show

Thursday-Sunday, June 22-25, 2017 The Ritz-Carlton, Amelia Island, FL

Wednesday-Sunday, September 13-17, 2017 The Westin Copley Place, Boston, MA

MEET CBA’S NEWEST TEAM MEMBERS

1. Lori Godfrey has joined our CBA Team as Director of Legislative and Regulatory Affairs.

Additionally, Lori will oversee the Association’s PAC/PR fundraising efforts and assist with our Banker Regulatory Forums.

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2.Taylor Stalling has joined our Marketing and Member Services Department as Marketing & Graphics Coordinator. She focuses on graphic design and other visual projects.

3. Stephanie Taylor recently joined our Operations Department as Accounting/Operations Coordinator. She handles the accounting, registrations and data management for the Association.

Community Bankers Association (CBA) is pleased to announce its newest associates.

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4. Jeremy Thomens recently joined our Marketing and Member Services Department where he focuses on marketing ventures and member services projects.

CONGRATS CONGRATULATIONS TO TERESA DAY!

Teresa Day, Administrative & Corporate Events Assistant at Community Bankers Association of Georgia, was recently recognized for her 10 years of service to the Association. Rob Braswell, CBA President & CEO, recently recognized Teresa at a staff luncheon in her honor. Teresa handles a variety of administrative and operational activities as well as assists with the numerous corporate events CBA hosts.

cba’s memorial scholarship

2017

applications are now available!

memorial scholarships

On behalf of the Community Bankers Association of Georgia (CBA), we are proud to announce the 2017 Julian & Jan Hester Memorial Scholarship and the J. Steven Walraven Scholarship!

is completely self-sufficient, giving support to generations of Georgia’s students in the future,” explained Mr. Braswell.

The Hester Scholarship is open to Georgia high school seniors who will be entering a Georgia college, university or technical school (two year program or more) in the fall semester of 2017. The scholarship is named after the late Jan Hester, daughter of Lalia and the late Julian Hester, long-time CEO of the CBA. The four winning recipients will be awarded a $1,000 scholarship.

The Walraven Scholarship is awarded in the amount of $500 to a bank employee who desires to continue their education while working full-time at a CBA member bank. The scholarship is named after the late J. Steven Walraven, an active community banker who exemplified professionalism and community involvement.

To compete, employees must write a short essay on how community banking has impacted their life and how it will enable them to give back to their community.

“CBA is pleased to assist deserving students in their first year of college while honoring the memory of Jan and Julian Hester,” stated Rob Braswell, President & CEO of Community Bankers Association of Georgia (CBA). “Thanks to the generosity of our bankers and associate members, the Education Foundation is fully funded which means the Scholarship Program

Applications should be returned to the bank no later than Monday, April 3, 2017. All completed applications should be submitted to CBA no later than Monday, April 10, 2017. Only complete applications will be eligible. A panel of independent judges will review the applications and winners will be announced in late April 2017.

Please visit www.cbaofga.com to download the scholarship application and encourage participation from your community. Contact Jeremy Thomens at jeremy@cbaofga.com for more information on either of these scholarships.

CBA's Leadership Division proudly assists with this initiative.

TARGET YOUR AUDIENCE ia n c e Of

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Sponsor and advertise with CBA to reach your target audience!

Generate new leads and brand-recognition in Georgia’s community banking industry Reach your target audience with a variety of creative opportunities to promote your company’s products and services Customize your own advertising and sponsorship package for 2017. CBA has flexible options at a variety of price points. Consider gaining exposure through education events, networking, and print and digital marketing.

O

Don’t miss out – sponsorships are available on a first-come, first-serve basis!

For more information, call Lindsay Greene at (770) 541-0376 or email lindsay@cbaofga.com.

2 0 | ww w.cbaofga.co m | Fal l 2016

C

BA is committed to superior customer service and has been a leader in webinar training for over a decade. Webinars are designed for most positions in a community bank from the teller line to the board room. Speakers are industry experts with long-term, real-life, hands-on experience. Benefits of participating in a CBA webinar are:

2016

CBA WEBINARS

• Easy to use, time effective, cost effective, convenient, interactive, • Current topics delivered by experienced speakers, • Continuing Professional Education Credits, • Take-Away-Toolkit (consists of an employee training log and a quiz to measure staff learning), • Webinar series for Bank Directors, Compliance Professionals, Risk Managers, Leaders, and much more!

Affordable, professional training, when and where you choose!

The CBA partners with the Community Bankers Webinar Network (CBWN) to provide our members with over 130 webinars each year. The CBWN supports over 20 community bank associations across the country with webinar registrations, customer service and technical support. We invite you to register today for a webinar training option that best meets your training needs! For the most current listing of webinars, visit www.cbaofga.com.

OCTOBER 2016

4 Avoiding the Top

10 Legal & Compliance Mistakes in the

E-Statement Process

5 HMDA Roadmap Part 2: Operations Systems, Audit & Reporting Implications

6

Essential Compliance Regulations for Deposit Operations

7 Conducting the 2016

ACH Audit

11 New CFPB Amended Mortgage Servicing Rules: What You Must Know Now & Why Advance Planning is Critical

12 Call Report Series:

Complying with

Complex Call

Report Lending Schedule Preparation

13 Indirect Lending:

Rules, Rewards, Risks

14 Countdown to the New Overtime Rules: How to Bring Your Bank into Compliance by the December 1, 2016 Deadline

18 HR Series: Essential HR Recordkeeping from Hiring to Firing

OCTOBER 2016

NOVEMBER 2016

19 Liquidity Funding Concerns in a Rising Interest Rate Market

20 Understanding

Title Insurance Policies, Commitments & ALTA Endorsements

21 Overdraft Outlook:

Litigation Lessons, Avoiding Violations & Best Practices

24 Demystifying TRID Issues & FAQ for Construction- Only & Construction- to-Permanent Lending

26 Opening Trust Accounts:

Documentation, Signatories & FDIC Insurance Coverage

27 Debt Collection Series: Maximizing Recoveries on Charged-Off Loans

NOVEMBER 2016 2 Cyber Series:

22 Handling ACH

Accounts: W-8s, W-8BENs, BSA, Rules & More

7 NEW CFPB Amended

3 Notary Essentials

DECEMBER 2016

Exceptions & Returns: Unauthorized,

Revoked, or Stop Payment?

Rules for Mortgage Foreclosure & Bankruptcy Protections: Preparing Now for the 2017 Effective Date

29 Annual Robbery

13 Cyber Series: Meeting

Federal Requirements for Tech-Based

Marketing: Websites, Social Media, Robo Calls & More

Training for All Staff: Meeting Your Bank Protection Act Requirements

14 Loan Review:

30 Top 10 IRA Issues:

Consumer, Commercial & Real Estate

15 Branch Transformation:

Series: Developing a Risk-Based

Compliance Audit Process for Deposits

Compliance, Reporting, Death & Distributions

DECEMBER 2016

1 The CFPB's Four D's

20 The Growing

9 Quarterly Emerging

8 Audit Compliance

Leader Series: FFIEC Reporting & Guidance for CRA Compliance

14 Proper Repossession,

Notice & Sale of Non- Real Estate Collateral

15 Director Series: What

Guidance on Collateral Valuation: Lender & Board Perspectives Responding to Elder Fraud: What every Staff Member Should Know

6 HR Series: Rewarding

7 Call Report Series:

the Board Needs to Know to Manage IT*

17 Recognizing &

of Fair Lending:

Deceptive Marketing Debt Traps, Dead Ends & Discrimination

& Retaining the Best Employees

16 Appraisal & Evaluation

Customer Authentication & Validation: The New Normal in Risk

Mitigation

& Legalities for Community Banks

NOVEMBER 2016

4 Nonresident Alien

Improving the

Call Reporting Process: Documentation, Efficiency, Accuracy, Common Errors & FAQs

Strategies for Moving from Transaction Centers to Customer Engagement Centers Scope of Vendor

Management: Business Continuity, Cyber Security, Contract Negotiation & More

21 Essential Compliance

Training for the Board & Senior Management

* Director Series webinars are scheduled from 10:0011:30 AM Central Time.

8 Powers-of-Attorney In-Depth: Good Faith, Fraud & Fiduciary Capacity

To learn more or to register, visit financialedcin.com/a/ cbaofga or contact Jodi Swilley at Jodi@cbaofga. com or 770-541-4492.

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 21

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OCTOBER 20

4th Quarter Education Program Schedule CPE CREDITS AVAILABLE

Classroom Training Opportunities Designed Specifically for Community Bankers!

The CBA is pleased to offer the following classroom programs during 4th Quarter 2016. Everyone from the frontline staff to the board room will benefit from attending a program relating to their job responsibilities. To learn more and to register, visit cbaofga.com or contact the CBA. OCTOBER 2016 10/4-7 9th Annual Advanced BSA Officer School - The King &

Prince Beach & Golf Resort, St. Simons 10/24-28 Commercial Lending School - CBA Headquarters, JHTC-Atlanta NOVEMBER 2016 11/2-3 FDIC Consumer Protection Workshop – FDIC Office Atlanta (1½ days) 11/3-4 6th Annual Southeast Financial HR Forum

Conference – Atlanta

DECEMBER 2016 12/6 Senior Retail Forum – Session III – Atlanta 12/6 Compliance Program IV: Anti-Money Laundering and

Bank Secrecy Act- Tifton 12/7 Compliance Program IV: Anti-Money Laundering and

Bank Secrecy Act- Macon 12/8 Compliance Program IV: Anti-Money Laundering and

Bank Secrecy Act- Savannah 12/13 Compliance Program IV: Anti-Money Laundering and

Bank Secrecy Act- Rome 12/14 Compliance Program IV: Anti-Money Laundering and

Bank Secrecy Act- Duluth

The CBA also offers a variety of educational topics via CBA Corporate Events and webinars.

Visit http://web.cbaofga.com/events for the CBA Event Calendar or contact the CBA at education@cbaofga.com.

SPECIALIZING IN BANK REBRANDING - ACQUISITION REBRANDING - ELECTRONIC MESSAGE CENTERS - DIRECTIONAL SIGNAGE - DIGITAL DISPLAYS - VINYL GRAPHICS - LOGO DESIGN Atlanta (Corporate Office) 4521 Industrial Access Road Douglasville, GA 30134

800.941.SIGN 770.942.0688 denyseco.com 2 2 | ww w.cbaofga.co m | Fal l 2016

NOVEMBER AND DECEMBER 2016 EDUCATION PROGRAMS: Are You Registered?

Featured Topic: The Bank Secrecy Act

Compliance Program IV

The federal regulatory agencies continue to rely on financial institutions to take “every reasonable step”you to identify, minimize, Thank to our lunch and manage any risks that illicit financialsponsor! activity may pose to the individual institution and to the industry. This seminar, led by Mark Dever, Vice President, Professional Bank Services, Louisville, Kentucky, will assist you in meeting the annual training requirements imposed by the BSA regulations. “Beneficial Ownership”, and the ever-increasing importance of Customer/ Member Due Diligence standards, and the New Regulations (Final Rules issued in May 2016) will be discussed along with the latest guidelines on account management, ongoing monitoring, and due diligence expectations for Money Services Businesses (MSB), “Third-Party Payment Processors” (TPPP), and other “High-Risk” Clients! To learn more and to register for a city most convenience for you, visit www.cbaofga.com.

Thank you to our sponsor!

Human Resource Conference

Managing people, attracting the right employees and managing regulatory change in the workplace continues to require a collaborative executive management team who can develop a strategic HR plan which targets boundless compliance requirements, tomorrow’s technology, new social relationships, risk management controls and people.

Ray Stanford, Founder & Principal, SIO Law Group and the Southeast Financial Consortium (SEFICON) will serve as the conference moderator and our partner to provide this 1 1/2 day annual financial workplace conference.

Industry experts will discuss such topics as diversity, culture, attendance and leave, whistleblowing, cyber security, and much more!

Register today for this one-of-a-kind conference and come learn how to minimize your employment law and compliance risk. To register, visit www.cbaofga.com or contact the CBA.

GEORGIA COMMUNITY BANK SALARY SURVEY NOW AVAILABLE

Community Bankers Association of Georgia is pleased to partner again this year with associate member Nichols, Cauley & Associates, LLC to offer the 2016 Georgia Community Bank Salary Survey.

The Salary Survey is a compilation of current salaries and general benefits for common positions within Georgia’s community banks. The survey includes information on salary, bonus or additional compensation, qualified plans and additional benefits. Banks are categorized by asset size as well as Metro-Atlanta and non-Metro Atlanta. This year’s survey includes an Executive Summary.

To order your copy, email Lindsay Greene at lindsay@cbaofga.com.

PRICING Member banks that completed the survey have already received their complimentary survey compilation.

Non-participating member banks $250 Associate Members

$250

Non-Member banks & companies

$350

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 23

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Scenes From 3rd Quarter Schools/Conferences THANK YOU, COMMUNITY BANKERS! 8

1-4- 4th Annual Compliance Lending School in Braselton; 5- BSA Officer School – The Basics in Atlanta; 6-7- 7th Annual Georgia Bank Directors’ College in Greensboro; 8-10- Inaugural Cyber Risk Summit in Savannah

2 4 | ww w.cbaofga.co m | Fal l 2016

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says David Daugherty, President and CEO of The Baker Group. “There is a great deal of enthusiasm on our board and among our employees as we prepare to work with CBA member banks to enhance their performance and build long-term shareholder value for Georgia banks.”

COMMUNITY BANKERS ASSOCIATION OF GEORGIA SELECTS

as an endorsed member company Rob Braswell, President & CEO of the Community Bankers Association of Georgia, recently announced the addition of The Baker Group as the association’s newest Endorsed Member Company.

“We are extremely pleased to announce the endorsement of The Baker Group,” stated Braswell. “The Baker Group has a 40-year history of success in helping community banks with portfolio strategies, board and management education, interest rate risk, and balance sheet management. They are exclusively dedicated to the community financial industry. As part of the endorsement, CBA member banks will have access to all of the resources of the firm, including analytics and reporting software.

During our due diligence, it quickly became apparent The Baker Group’s clients found them to offer a strong combination of excellent products, smart strategies, and

outstanding customer service.”

The Community Bankers Association performs extensive due-diligence before selecting a company as an Endorsed Member Company (EMC). Each EMC must earn the approval of both CBA’s Membership Services Committee and the Board of Directors. Members are chosen by a panel of Georgia bankers, which reviews a candidate company’s financial analysis and formal presentation as well as customer surveys and referrals, to determine its value to CBA member banks.

The Baker Group is an Oklahoma Citybased firm with offices in Atlanta, Austin, Indianapolis, Salt Lake City, and Springfield. Established by James Baker in 1979, The Baker Group is one of the nation’s largest independently-owned security firms specializing in investment portfolio management for community banks. For more information, contact Paul Clanton, Jr. at 855-500-4546 or pclanton@ gobaker.com.

“The Baker Group is proud to be partnering with the Community Bankers Association of Georgia, one of the top banking (l-r) Josh Lee, Account Executive, TBG, Atlanta; Paul Clanton, associations in the country,” Vice President, TBG, Atlanta; Rob Braswell, CBA; and Jeff Caughron, COO/Managing Director, TBG, Oklahoma City, OK

2017 BARRET SCHOOL OF BANKING SCHOLARSHIP

SPONSORED BY INVESTMENT PROFESSIONALS, INC.

knowledge and connections gained from The Barret Graduate School of Banking will benefit the recipient for years to come.”

For more information visit cbaofga.com/ barret-school-of-banking. The deadline to apply is December 1, 2016.

Deadline to apply- December 1, 2016!

CBA Endorsed Member Company Investment Professionals, Inc. (IPI) is pleased to sponsor a scholarship for a Georgia community banker to attend the 2017 session of the Barret Graduate School of Banking as a first-year student.

The scholarship includes both tuition and housing for for a student for the first year at the 45th Annual Graduate Session of the Paul W. Barret, Jr. School of Banking which will be held May 21-26, 2017 at Christian Brothers University in Memphis, TN.

The Barret School of Banking is a nonprofit independent school created by and governed by a Board of Regents, whose members are executives from banks and other firms involved with the financial services industry. The mission of the School is to provide an adult learning experience for the career-oriented individual in commercial banking or a related financial services industry business.

“We are delighted to offer this opportunity to a community banker in Georgia,” stated Tara Tagle, Business Development Officer with Investment Professionals, Inc. “Our firm strongly supports continuing education and the relationships the banker makes while attending (l-r) Rob Braswell, President & CEO, CBA; Tara Tagle, a graduate banking school of Business Development Officer, IPI; Steven Ransdell, Vice this caliber are invaluable. The President, Regional Director - Southeast, IPI Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 25

is proud to announce its newest Endorsed Member Company!

In today’s puzzling financial environment, you need a partner who can fit together your bank’s vision and goals with the proper strategies for success. When it comes to your bank’s interest rate risk and investment needs, why not choose an endorsed industry leader?

Since 1979, The Baker Group has been an integral part of the banking industry, helping community bank executives improve decision-making, manage interest rate risk, and maximize investment portfolio performance.

The firm’s proven approach of total resource integration utilizes software and products developed

by Baker’s Software Solutions* combined with its investment experience and advice. Simply put, The Baker Group has the essential knowledge, resources, and experience to help your bank build long-term shareholder value.

Education Tailored Board Education Webinars for ALCO Interest Rate Risk Seminars

Investment Strategies Develop Quarterly Strategies Determine Optimal Relative Value Manage Risk vs. Reward Tradeoff

Asset/Liability Management Evaluate Earnings and Capital at Risk Simulate Stressed Rate Scenarios Analyze Risk Management Strategies To find out how The Baker Group can partner with your institution in defining and meeting its financial objectives, call your Baker representative or Paul Clanton at 855.500.4546.

Member: FINRA and SIPC www.GoBaker.com Oklahoma City, OK | Atlanta, GA | Austin, TX | Indianapolis, IN | Salt Lake City, UT | Springfield, IL | 800.937.2257 *The Baker Group LP is the sole authorized distributor for the products and services developed and provided by The Baker Group Software Solutions, Inc. 2 6 | ww w.cbaofga.co m | Fal l 2016

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Attention bankers!

Participation has its benefits.

Learn about the CBA Go Club.

Become a member of CBA’s GO Club and earn a complimentary registration to our 49th Annual Meeting & Trade Show being held, September 13-17, 2017, at The Westin Copley Place, Boston, MA! A $795 value!

How do you become a GO Club member? Simply ensure your bank is represented at all five of these 2017 offerings and your bank automatically becomes a member of the CBA GO Club and earns the complimentary Annual Meeting registration.

1. CBA Day at the Capitol - Wednesday, February 15, 2017, Atlanta 2. Women in Banking Seminar - Thursday, March 9, 2017, Macon

Looking for New Non-Interest Fee Income?

3. 9th Annual CBA Bank Directors’ & Executive Management Conference (Spring 2017) - or 8th Annual CBA Georgia Bank Directors College (Fall 2017) 4. A Spring Regional Luncheon (One of three) 5. 39th Annual Leadership Division Convention & Mini-Trade Show - Thursday - Sunday, June 22- 25, 2017, The Ritz-Carlton, Amelia Island, FL, or two Community Bank Leadership Academy offerings (August and October 2017). Attendees can pre-register for the October program to qualify.

“We are delighted to continue the CBA’s GO Club,” stated Rob Braswell, President & CEO of Community Bankers Association of Georgia.

“Many of our banks are already participating in the majority of these five dynamic programs and we’re delighted to reward those who attend all five with a complimentary Annual Meeting registration.”

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SET YOUR BOARD OF DIRECTORS FREE WITH WEB-BASED PORTAL APPS

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eb-based portals offer your board of directors a secure, centralized way to communicate with each other as well as manage a variety of sensitive materials.

Through these online portals, they also can view all current and historical documents, participate in secure online voting and discussion threads, and review efficient, paperless board packets.

Adding to their usability, portal apps allow your board secretary and other administrators to remove information from their app after backing up the documents to the website and archiving them there. Administrators also can determine which documents are displayed in the app, and remotely reset accounts and wipe a device should it be lost or stolen.

But, what does a board member do if they need to view the bank’s confidential documents at times they are without access to the Internet or Wi-Fi? With a board portal app on their iPad, it’s practically business as usual.

And of course, if needed, the board can access the full website portal through the app once connected to Wi-Fi or the Internet.

Board portal apps provide users the ability to work offline, because the documents automatically download into the device as it syncs with the portal. So, with the app, directors can securely view such portal-housed documents as meeting minutes, business proposals or loan review committee notes, even without a wireless connection.

For the end-user, board portal apps not only provide a more simplified view of the portal, but also allow for actions that can’t be completed on the browser version. For example, on the app they can call up documents like the bank’s financials for the month, and using touch-screen annotation tools, make handwritten notes, highlight important items, circle typos or include a variety of additional commentary—all without Wi-Fi. This is particularly convenient with an iPad Pro and its pencil tool. And once a wireless connection is reestablished, the markedup documents can automatically upload into the online portal for archival purposes.

Further, board members can access and review each other’s comments, and the app saves both the original version of the document and the annotated copy with a date and time stamp. In addition, offline users can:

• Access user directories

• Utilize the search feature to quickly locate information within a document

• Easily find annotated and bookmarked pages

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So, with board portal apps, your board of directors can complete important work in a beach chair, the passenger seat or the couch, without compromising convenience and, more importantly, the security on which they’ve come to depend from web-based portals.

Christy Rikel is CSI’s Web Solutions Product Manager. In her role, Christy is responsible for CSI Secure Connect and CSI DesignPro products, and coordinates customer implementation, training, ongoing product enhancements and support. She can be reached at christy.rikel@csiweb.com.

For more information on CSI Secure Connect and CSI Secure Connect app, contact Craig Leppert at craig.leppert@csiweb.com.

Christy Rikel Product Manager CSI Web Solutions A CBA Endorsed Member Company

GUESTARTICLE

Q&A WITH THE OFFICE OF THE COMPTROLLER OF THE CURRENCY

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he Office of the Comptroller of the Currency appointed Jason Sisack and Deborah Thompson Assistant Deputy Comptrollers for Community Bank Supervision in its Atlanta Field Office last year. They are responsible for supervising community national banks and federal savings associations (community banks) in Georgia. Ms. Thompson and Mr. Sisack briefly discussed regulatory relief and top risks with us.

What has the OCC done to mitigate regulatory burden?

At the OCC, we believe community banks are a critical part of the U.S. financial system, and we recognize that reducing unnecessary burden helps small banks remain a vibrant part of their communities. The OCC implemented rules making more small banks eligible for an 18-month examination cycle versus a 12-month cycle, following Congressional action authorizing the change. The OCC also proposed two other legislative changes. One would exempt community banks from the Volcker Rule because most community banks do not conduct the kind of activity the Volcker Rule was intended to prevent. The second would give federal savings associations flexibility to expand their business model without the expense and time of changing their charter.

The OCC also wants to make the examination and licensing processes simpler. To that end, we are focusing on requesting only the information needed for an exam, limiting the number of examiners onsite during an exam, and performing exam work offsite when possible. To make licensing more efficient, we issued a rule to remove outdated or unnecessary licensing requirements.

More broadly, the federal banking agencies are completing a decennial review required by the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA) to identify outdated, redundant, and unnecessary rules and regulations. To date, the OCC has proposed 12 regulatory changes, including:

•Removing notice and approval requirements for certain changes in permanent capital;

• Simplifying certain licensing rules for mergers involving mutual savings associations;

• Clarifying bank director oath requirements; and

• Removing some rules on federal savings associations’ fidelity bond activities.

You can find a list at http://www.occ.gov/news-issuances/newsreleases/2016/nr-occ-2016-27.html. Expect to see further changes as the review continues.

What are the top risks among community banks?

The OCC highlights key risks facing community banks in our Semiannual Risk Perspective, through outreach programs, CEO letters, and ongoing communications. Key risks facing community and midsize banks include:

• Credit risk arising from competition, easing of

underwriting standards, and increasing commercial real estate concentrations.

• Strategic risk, as banks implement plans for adapting business models to respond to limited loan demand, low interest rates, competition, and succession planning.

• Operational risk, as banks increase reliance on third parties and the increasing volume and sophistication of cyber threats.

• Compliance risk, including but not limited to Bank

Secrecy Act/Anti-Money Laundering, banks implement changes to policies and procedures to comply with new Military Lending Act and mortgage lending requirements.

• Exposure to interest rate risk, especially at banks with concentrations in longer-term assets, including mortgage- backed securities and loans.

Assistant Deputy Comptrollers Sisack and Thompson welcome any questions or comments you may have. They may be reached at the Atlanta Field Office (770-280-4400) or by e-mail ( jason. sisack@occ.treas.gov and deborah.thompson@occ.treas.gov).

Deborah Thompson Jason Sisack Assistant Deputy Comptroller OCC

Assistant Deputy Comptroller OCC

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GUESTARTICLE

ATMS - STILL A PAYMENT CHANNEL IN DEMAND

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017 marks the 50th anniversary of the ATM. Which means that they have been around longer than many of the CBA members. U.S. consumers are using ATM’s equal to Online channels and more than Mobile according to the Fed’s statistics.

An estimated 75% of consumers still use an ATM as part of their everyday banking activities. The use of branches has also increased. While mobile and online banking (74%) usage is significantly increasing, it is interesting to see that the ATM and branch is still important for consumers. This is despite numerous articles that tell us the conventional banking channels are on the decline, as they compete with digital channels such as Android Pay and Apple Pay according to industry articles.

This trend in ATM use is backed up by recent figures from Retail Banking Research that show the US currently has 432,000 ATMs, with around 110,000 bank branches. These ATMs undertook 5.6 billion cash withdrawals totaling $691 billion, up 4% from $666 billion in the previous year – further evidence that the ATM is still a trusted and convenient channel for US consumers, who still place their trust in cash. They suggest that there will be over 438,000 ATM’s by 2019. ATM’s as part of a banks strategy

will be changing over the years with large FI’s like BoA, Wells and BMO Harris offering mobile phone connections with Apple Pay and other “card free” solutions like Android Pay. This move demonstrates that consumers will evolve in their banking activities and so will the ATM. It would be difficult to imagine an industry more competitive than financial services. In this environment, return on investment is critical. Institutions today are constantly looking for ways to effectively reduce costs when they deploy ATM’s. As a result of this need comes the introduction of refurbished ATM’s. These are slightly used machines that have been dismantled, repaired, repainted and updated with current technology and functionality.

They are increasingly popular because of the significant savings without sacrificing value, functionality or quality. ACG offers one of the largest inventories of ATM’s and spare parts in the industry.

Since 1986, ACG has set the standard for the highest quality of service, repairs and refurbishment.

As the transaction and payments market changes so will your customer requirements to evolve your ATM’s to meet their banking needs. Technology will change as you have seen in recent months from mega-banks. Your institution can adopt these new advances in order to compete and add business value through new channels. We are here to advise and support your current and future ATM challenges.

Phil Winn President ACG A CBA Endorsed Member Company

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GUESTARTICLE

ATM RISK ASSESSMENTS: FORGETTING YOUR MOST VALUABLE ASSET

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n my 28 years in the financial institution industry I have attended numerous security conferences. Much of the talk in recent years has focused on cyber security, and with good reason. Often lost in the discussions on security is the real-world threat of robbery. When preforming a risk assessment on your ATM fleet, employee safety, user safety and the safety of the public should be top on your list.

User Safety and Public Safety: Public and user safety tend to be the first step during a risk assessment, and the majority of financial institutions cover this area very well. Here are a few key points to consider: •

Crime history of the area and install site, aided by local police intelligence

•

General conditions of the site, including lighting, proximity to other community services, visibility, etc.

•

Proper security camera placement, not just relying on the ATM security camera

•

Proposed positioning of the ATM within the premises of the selected site

•

Existing and proposed security measures on the site

Employee Safety:

employees to be responsible for the ATM cash replenishment and ATM first line maintenance. The practice of employees carrying large amounts of cash to the ATM on the same day or days of the week in a similar time frame is very dangerous. This practice exposes employees and many are extremely uncomfortable performing these tasks. There is enough concern associated with the risk of working a teller line. Imagine how these tellers feel about carrying large amounts of cash outside the building - cash that is unprotected, no GPS trackers or die packs installed, and in some cases not covered under your current insurance policy.

First Line Maintenance is another area that is often overlooked when performing an ATM risk assessment. Having an untrained, unsecured employee take time away from more important duties lessens your customers’ experience and often leads to the ATM being out of service longer. Too often a teller is handed a set of keys and asked to figure it out. Even worse, sometimes employees are required to service the ATM after-hours and on the weekend, when the bank is vacant. It may be difficult to think about, but your typical employee does not come across as a hard target. It is important to consider the potential injury, both emotional and physical, that could occur to your greatest asset.

Please reach out to your current armored car vendor and ask them about their ATM Cash Replenishment and ATM First Line Maintenance programs. Your employees will feel safer, be more productive, and take better care of your customers.

The safety of employees is the area financial institutions tend to overlook when they evaluate their ATM risk. It has been a common practice and has even been placed into job descriptions for

Clayton Braswell President ATM Response A CBA Endorsed Member Company

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First Tennessee Correspondent Services offers a range of robust financial and business solutions to support community banks. When you work with First Tennessee, you’ll get the personal attention that’s made us a continuous provider of correspondent services for over 100 years.

First Tennessee Correspondent Services include:

Holding Company Loans | Fed Funds | Letters of Credit | International Services Image Cash Letter | Settlement Services | Commercial Safekeeping

TO TALK ABOUT YOUR BANK’S NEEDS, CALL RELATIONSHIP MANAGER JEFF GACH AT 800-453-7686 OR EMAIL CORRESPONDENTSERVICES@FTB.COM © 2016 First Tennessee Bank National Association. Member FDIC.

Enhance your revenue.

Improve your bottom line.

CBA Endorsed Member Companies ACG | Refurbished ATMs/Currency Counting Phil Winn | Phil.Winn@acgworld.com | (770) 442-9800 ATM Response | ATM Service & Cash Logistics Tony Webb | twebb@atmresponse.com | (770) 855-2989 Bahr Consultants, Inc. | Insurance Review Hank Bahr | hank@bahrconsultantsinc.com | (865) 694-6098 The Baker Group | Portfolio Management & Asset/Liability Strategies Paul Clanton | pclanton@gobaker.com | (405) 415-7337 Banc Consulting Partners | Executive Benefits/BOLI Brian Miller | bmiller@yourbankpartner.com | (770) 485-8559

FIS | Free ATM Network | Credit/Debit Card Program Susan Haines | susan.haines@fisglobal.com | (770) 248-9600 Harland Clarke | Check Program Doyle Baker | doyle.baker@harlandclarke.com | (678) 382-1446 Investment Professionals, Inc. (IPI) | In-Bank Retail Investment Services Steven Ransdell | steven.ransdell@invpro.com | (501) 410-4445 Kasasa | Branded Suite of Banking Products Grant Armistead | grant.armistead@kasasa.com | (704) 936-7878 PULSE | Debit Network Program Mark Reda | markreda@pulsenetwork.com | (813) 854-2210

BankersEdge | Online /DVD Training Program Nora Ebersbach | nebersbach@bankersedge.com (314) 542-6493

SecureWorks | Managed Internet Security Program Dave Walker | dwalker@secureworks.com | (404) 417-4651

BankSmart | Bank Operations/Vendor Management Jim Wilkson | jwilkson@BankSmart.com | (813) 774-8000

SHAZAM | Debit Card/EFT Processing Mark Fucci | mfucci@shazam.net | (866) 644-9314

Bank Trends | Peer Analysis Michael Stinson | michael@bank-trends.com | (877) 717-6743

S&P Global Market Intelligence (Formerly SNL Financial) | Financial Data Jake Bartlett | jbartlett@spglobal.com | (434) 951-6915

BASYS Processing | Merchant Services Processing Brady Hanna | bhanna@basyspro.com | (913) 307-2751

Staples | Office Supply Program Janet Cook | janet.cook@staples.com | (770) 454-0663

CBIZ Benefits & Insurance Services, Inc. | Employee Benefits & Insurance Todd Gordon | todd.gordon@cbiz.com | (770) 858-4801

Travelers | Insurance/D & O/ Bond Program Diana Baker | dcbaker@travelers.com | (678) 317-7882

Computer Services, Inc. | Secure-Connect for Directors/ Employees Craig Leppert | craig.leppert@csiweb.com | (800) 545-4274

Triad Financial Services, Inc. | Consumer Loan Program Keith Stayer | kstayer@triadfs.com | (800) 522-2013 UPS | Overnight Delivery Program Monica Sterk | msterk@ups.com | (800) 531-7917

Crescent Mortgage | Secondary Market Mortgage Services Ashli Matson | amatson@crescentmortgage.net (770) 714-5417

UtiliComm Solutions, Inc. | Telecommunications Mark Tressler | mtressler@utilicomm.com | (678) 965-2256

The Eversole Group, LLC | Marketing Program Craig Eversole | craig@theeversolegroup.com | (601) 977-5225

William Mills Agency | Public Relations & Marketing William Mills | william@williammills.com | (678) 781-7200

Executive Insurance Agency, Inc. | VSI Program Ryan Sower | info@executiveinsuranceagency.com (770) 474-2355 First Data | Internet Banking & Mobile Banking Rodrigo Cazares | rodrigo.cazares@firstdata.com (512) 627-5343

Promontory Interfinancial Network, LLC Bank Assetpoint/Insured Cash Sweep (ICS) Danny Capitel | dcapitel@promnetwork.com | (770) 630-6796 *Cooperative Marketing Alliance

For more information on these providers, special discounts for CBA member banks, or to learn about the endorsement process, contact Lindsay Greene at (770) 541-0376 or lindsay@cbaofga.com.

Fal l 2 0 1 6 | G e org i a Com m un i ti es F i rs t | 33

PRESORT STANDARD U.S. POSTAGE PAID ALPHARETTA, GA PERMIT 864

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

MET

SHAZAM is a financial services company offering you choice and flexibility to use the products and services that meet YOUR needs.

We believe community financial institutions must stay in control of their future.

Since 1976, we’ve been providing community financial institutions with choice and innovation to compete in the market. From debit cards to core processing to marketing services and more, we deliver.

Call SHAZAM today.

Delivering Unlimited Possibilities 855-314-1212 | shazam.net | @SHAZAMNetwork