GA Communities FIRST Magazine 2012 Sept-Oct

S E P T E M B E R • O C T O B E R 2 0 12 Official Publication of the Community Bankers Association of Georgia

CBA is...Passion. Purpose. Power.

Inside

• • • •

Finer Points Annual Convention & Trade Show Highlights Lifetime Service Awards Educational Opportunities

CELEBRATING SUCCESS WITH OUR

Lifetime Service Award Honorees Member:

GEORGIA

Communities FEATURES

page 1 Finer Points from ICBA President and CEO

FIRST page 2 Annual Meeting & Trade Show Highlights

SEP T EM BER/OC TO B E R 2 012

page 6 2012 Lifetime Service Awards

INSIDE 1 2 6 9 11 12 15 16 17 18 20 21

Finer Points Annual Meeting & Trade Show Highlights Celebrating a Lifetime of Service Record Attendance at the 5th Annual Advanced BSA Officer School Asking the Right Questions About Banking Risks CBA Elects 2012-2013 Board of Directors at 44th Annual Meeting The Southeast Financial Workplace Law & Compliance Program Silent Auction and Wall of Wine A Success Carolyn Brown Named Vice Chair of Council of State Community Bankers Association CBA November/December 2012 Webinars CBA Announces the 5th Annual Bank Directors' & Executive Management Conference CBA Consumer Lending School

S ta y co n n ecte 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 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 Shera Banks, Marketing Intern intern@cbaofga.com Donna Coutant, Education & Special Events donna@cbaofga.com Teresa Day, Receptionist / Administrative Assistant teresa@cbaofga.com Lindsay Greene, Vice President, Marketing & Member Services lindsay@cbaofga.com Amanda Lee, Education Intern educintern@cbaofga.com Tammy Maass, CFO tammy@cbaofga.com Jodi Swilley, Vice President, 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

May All the Chips Fall It’s well understood and universally agreed that everyone inside and outside Washington wants to vanquish too-big-to-fail forever. No one wants to see anymore taxpayer bailouts for megabanks, or risk another financial system meltdown. Even a few former megabank chief executives echo ICBA in urging federal policymakers to break up Wall Street’s mega-financial institutions.

But, of course, we’re not there yet. Despite some of the law’s unfortunate detours, the foremost aim of Wall Street financial reform was ending too-big-tofail, and hopefully policymakers will have the will to use their authority in that regard. Yet everyone recognizes that financial overconcentration has gotten worse since the financial crisis began.

Establishing the next steps in reform by regulators and Congress is where the policy debate now stands, and there are diverse ideas and proposals under consideration.

ICBA has urged the new Financial Stability Oversight Council to use its full statutory authority to downsize the sprawling, dangerously structured Wall Street mega-financial institutions. However, the problem of too-big-to-fail is twofold. ICBA and community bankers have long recognized that size and structure is only one dimension. The other is untangling the current chaotic, convoluted nest of both traditional and nontraditional financial operations of the Wall Street conglomerates.

Some of the most constructive too-big-to-fail proposals in Washington would have Congress enact a modernized version of the Glass-Steagall Act’s once longstanding separation of commercial banking and investment banking activities. FDIC Director Thomas Hoenig offered one leading proposal more than a year ago while he was president of the Kansas City Federal Reserve. Similar to other proposals, it outlines how financial institutions should be made to choose one of two distinct business models. One would be a traditional banking model that would allow for only FDIC-insured deposit-taking and

By Cam Fine, President & CEO, Independent Community Bankers of America

lending and other core banking activities, such as payment and settlement, and trust and wealth management services. This option would support the stable, relationship-based activities that community banks uphold—the essential functions of our financial system and economy.

Under a second, vastly different transaction-based model institutions would only engage in the highly structured Wall Street investment activities, such as securities dealing, market making and proprietary trading. With inherently different risks than traditional banking, these investment activities would be restricted to funding not backed by FDIC insurance, establishing a visible bright line for all to see that would eliminate moral hazard ambiguities that persist today.

Hoenig says adopting his proposal would create a more simplified regulatory framework for lessrisky financial institutions performing traditional banking functions. This would allow for eliminating much of the regulatory overkill for community banks that is driven by the extreme complexity and free-for-all activities of today’s largest Wall Street conglomerates. Most important, it would establish a regulatory framework that, combined with other measures against industry overconcentration, would allow all financial institutions to prosper or fail equally based solely on their own decisions and performance—without any too-big-to-fail exceptions. For every player in the financial system, chips could then fall where they may, crisis or no crisis.

Let the investment-minded Wall Street firms make their windfall profits. But let them take their losses too—all of them, without taxpayer bailouts.

Ultimately, that would be the measure of what ICBA, community bankers and everyone else wants—full and final liberation from too-big-to-fail.

Member:

S e pt e mb e r • O c t o be r 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

44th Annual Meeting & Trade Show A Success at Wild Dunes August 26 – 30, 2012 • Wild Dunes Resort, Isle of Palms, South Carolina

T

he Community Bankers Association of Georgia (CBA) hosted its 44th Annual Meeting & Trade Show and 3rd Annual Georgia Bank Directors’ College, August 26-30, 2012, at Wild Dunes Resort, Isle of Palms, SC. The Annual Meeting offered many opportunities to learn and develop solid relationships through numerous networking, social and educational activities.

Following the popular Monday night dinearound, where attendees enjoyed delicious food and networking with the 33 exhibitors from across the country, guests were treated to a performance by the Nashville, Tennessee band Stevens Layne, which includes Mark Stevens' daughter as part of the lead singing duo. Tuesday’s opening ceremony included a solo of "God Bless America,” sung by Stevens' wife, Deborah.

This year’s line-up of speakers included Jerry Harrell and Stuart Walker, Martin Snow, LLP; BestSelling Author, Steve Gilliland from Mocksville, NC; Gil Barker, Deputy Comptroller, Southern District, OCC, Dallas, TX; Thomas Dujenski, Regional Director, FDIC, Atlanta; William "Bill” A. Loving, President & CEO, Pendleton Community Bank, Franklin, WV, and ICBA Chairman-Elect; Professor Jeffrey Rosensweig, Director of Global Perspectives Program, Emory University; Kevin Tweddle, President of Bank

2 | www.cbaofga.com | September • October 2012

"...attendees enjoyed delicious food and networking with 33 exhibitors from across the country."

Intelligence Solutions; and, Jim "The Rookie” Morris from San Antonio, TX. This year, the CBA introduced a balloon drop during Wednesday’s general session, during which attendees won instant cash prizes from exhibitors. Congratulations to the attendees who won cash and door prizes throughout the meeting.

Spouses enjoyed a Sweetgrass basket weaving history and workshop, and many took home their own creation. Attendees and spouses proved again the Annual Silent Auction offered numerous treasures and opportunities to support CBA’s PAC/PR Fund.

The much anticipated golf tournament had a rain-delay of one day, but the majority of golfers were able to play on Wednesday afternoon.

The meeting ended with the Chairman’s All-Star Reception & Dinner, hosted by 20112012 CBA Chairman Mark Stevens, Market President, Bibb County, State Bank & Trust Company, Macon. The evening program included recognition of meeting sponsors, PAC/PR supporters, and Lifetime Service Award recipients. The evening ended with Mark Stevens' Farewell Address and the acceptance by Dan Oliver, President & CEO, Vinings Bank, Smyrna, as the 2012-2013 CBA Chairman.

S e pt e mb e r • O c t o be r 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 3

Thank rYou s

— 44th Annual —

Sponso

MEETING & TRADE SHOW

Platinum Sponsors:

Silver Sponsors:

General Sponsor:

Bronze Sponsors:

Individual Event Sponsors: Hotel Key Cards / Name Badges

Tuesday Break / Registration Packet

Annual Meeting Program

General Session

Annual Meeting Signage / Golf Tournament Hole Sponsor

Promo Flyers - Tuesday

Wednesday Dessert & Coffee Finale

Bottled Water Golf Tournament Beverage Cart

Tuesday Breakfast & Newspaper

Spouses’ Program

Bank Directors’ College Breakfast / Tuesday & Wednesday Cash Prizes

Golf Tournament Lunch

Annual Business Meeting

Golf Tournament Hole Sponsor

Golf Tournament Hole Sponsor / Promo Flyers - Wednesday

Board Appreciation Reception

Bank Directors’ College Break / Speaker Jim Board Appreciation “The Rookie” Morris Board Appreciation Dinner / Annual Meeting Totes / Transportation In-Room Gift Golf Tournament Hole Sponsor

Wednesday Breakfast

Monday Night Dessert & Coffee

Silent Auction Program/ Welcome Refreshments

Wednesday Break

Thank You ors

t i b i h x E

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

— 44th Annual —

MEETING & TRADE SHOW

AaSys Group, Inc. AmeriMerchant Banc Consulting Partners banc.serv PARTNERS, llc BankSmart Cash Transactions, LLC Computer Services, Inc. CSI) Consolidated Banking Services, Inc. Consultants & Builders, Inc. CSRA Business Lending Data Center, Inc. (DCI) Dell SecureWorks DeNyse Companies First Data Corporation FISCAL Credit Suite High Cotton HME Correspondent Services ICBA Securities iHelp Private Student Loan Program Independent Community Bankers of America (ICBA) Invictus Consulting Group, LLC Jack Henry & Associates, Inc. Main Street Checks Meyer Chatfield Compensation Advisors PULSE QwickRate Renasant Bank Mortgage Lending Sageworks SHAZAM, Inc. The Corvus Group Travelers Triad Financial Services, Inc. Tyson Sign Company Warren Averett, LLC S e pt e mb e r • O c t o be r 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 5

Life

Celebrating a

CBA of Georgia Presents Lifetime Service Awards to Community Bankers

O

ver the past month, the Community Bankers Association of Georgia has been honoring bankers who have marked a significant milestone in the banking industry with the Lifetime Service Awards. The CBA paid tribute to bankers who have served 30 years or more in the banking industry at the 44th Annual Meeting & Trade Show or held a special presentation at the employee’s bank.

"The Association is excited to present this program which recognizes community bank employees who have reached milestones in their careers and made significant contributions to their community. Our state is very fortunate to have community bankers in the industry who have provided this much needed service to their local communities,” explained Carolyn Brown, President & CEO of the Community Bankers Association of Georgia. "The program has been extremely well-received and it has been a delight to see the presentation at the Annual Meeting and to travel to the banks across

the state to meet these dedicated employees. The honorees represent hundreds of years of service to the banking industry. It is our pleasure to recognize their legacy and the inspiration they have been to a new generation of community bankers.”

All of the honorees received an engraved plaque from the CBA, and a press release and photo was shared with their local media. Honorees will be featured on the CBA’s website, in the CBA Today eNewsletter and, news of the award was shared with the banker’s local media. In addition to the plaque, honorees with 50 or more years in the banking industry received a customized gold and diamond lapel pin.

If you would like to recognize a banker in 2013 who has 30 or more years of banking experience and a proven record in excellent community service, please contact Peake Wilson at the CBA office, (770) 541-4490 or peake@cbaofga.com to obtain the details on this legendary recognition program.

Employees from The Bank of LaFayette recognized for their years of service include: (left to right) Celia G. Coffey, Karen Stansell, Bob Davidson Gilbert, Jr., Donna Rhudy, Hugh E. Overfield, Randall A. Walker, Anita G. Gilreath, Sheila C. Riddle, Linda Gilbreath, and Wade S. Gilbert, Sr. Not pictured: Patsy Wilson.

6 | www.cbaofga.com | September • October 2012

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S e pt e mb e r • O c t o be r 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 7

Honorees Award

are...

Margaret Ayers - 68 years Vice President Northeast Georgia Bank, Lavonia

Hugh Overfield - 41 years Vice President The Bank of LaFayette

Patrick Blanchard – 50 years Vice Chairman, First Bank of Georgia, Augusta

René Spikes - 41 years Teller Supervisor The Claxton Bank

Ed Morris - 50 years CEO Farmers State Bank, Dublin

Charles Buckner - 40 years President & CEO First Citizens Bank of Georgia, Dawsonville

Jimmy D. Dubberly - 48 years CEO South Georgia Bank, Glennville

Christopher C. Houtchins - 40 years Executive Vice President, SRO Metro Bank, Douglasville

Randall Walker - 45 years Vice President The Bank of LaFayette

Bob Gilbert, Jr. - 39 years Chairman, Board of Directors The Bank of LaFayette

Shirley Worthy - 45 years Cashier, Assistant BSA Officer The Bank of Edison

Barry E. Page - 39 years Vice President Gateway Bank & Trust, Ringgold

Celia Coffey - 44 years Secretary & Receptionist Assistant The Bank of LaFayette

Peggy Powell - 39 years Vice President, Loan Officer The Claxton Bank

Anita Gilreath - 44 years Vice President The Bank of LaFayette

Nancy Anderson - 38 years Assistant Vice President The Claxton Bank

Lee A. Scroggins, Jr. - 44 years President & CEO Community Bank of the South, Smyrna

Sylvia D. Hamby - 38 year Executive Vice President, COO Community Bank of the South, Smyrna

Ron Francis - 43 years Vice Chairman & CEO First Landmark Bank, Marietta

Patsy Rogers - 38 years Senior Vice President & CFO The Claxton Bank

Leonard H. Bateman, Sr. - 42 years President & CEO Bank of Hazlehurst

Karen Kilby Hooper - 37 years Vice President Rabun County Bank, Clayton

Wayne Collins - 41 years Executive Vice President, CEO & Director The Claxton Bank

Rhonda Haire - 36 years Assistant Banking Officer The Claxton Bank

Charles R. Lusk - 41 years President & CEO Gateway Bank & Trust, Ringgold

Linda Gilbreath - 35 years Assistant Cashier & BSA Officer The Bank of LaFayette Carolyn McKay - 35 years Senior Vice President, Loans Rabun County Bank, Clayton

8 | www.cbaofga.com | September • October 2012

Donna Nesmith - 35 years Vice President & Bookkeeping Supervisor The Claxton Bank Sheila Riddle - 35 years Administrative Assistant The Bank of LaFayette Robyn Smith - 35 years Account Specialist The Claxton Bank Barbara Chumley - 34 years Assistant Vice President & Loan Operations Manager The Claxton Bank Darlene Smith - 34 years Senior Vice President, Operations Embassy National Bank, Lawrenceville Patsy Wilson - 33 years Loan Clerk The Bank of LaFayette Kathryn Downs - 32 years Branch Manager The Claxton Bank Greg Funkhouser - 32 years President Rabun County Bank, Clayton Johnny Mark Irvin - 32 years CEO Rabun County Bank, Clayton Donna Rhudy - 32 years Bookkeeper & Research The Bank of LaFayette Carolyn B. Simmons - 32 years Executive Secretary to CEO Rabun County Bank, Clayton Karen Stansell - 32 years Teller The Bank of LaFayette Wade Gilbert, Sr. - 31 years Vice President The Bank of LaFayette Mary Carpenter - 30 years Vice President, Marketing & PR Gateway Bank & Trust, Ringgold Jeff Hensley - 30 years Senior Vice President, COO Gateway Bank & Trust, Ringgold

RECORD BREAKING ATTENDANCE AT THE

5th Annual Advanced BSA Officer School

The CBA was pleased to have a record number of Bank Secrecy Act (BSA) Officers from community banks across the state to attend the 5th Annual Advanced BSA Officer School held July 31 - August 3, 2012, at the King & Prince Beach Resort on St. Simons Island.

Sixty-Six BSA Officers graduated from this one-of-akind 3 ½ day school. In addition, seven community bankers (pictured below) were recognized at the School for attending all five years of the CBA Advanced BSA Officer School.

2012 Advanced BSA Officer School Graduates

The CBA would like to extend a sincere “thank you” to everyone who attended the school as well as to the faculty.

Advanced BSA Officer School Faculty Dianne Barton, President, Performance Solutions, Inc., Kennesaw Jeff Walton, Special Agent, Homeland Security Investigations, Savannah Tyrone Tawil, Special Agent, Homeland Security Investigations, Savannah Mellissa Hettich, Compliance/BSA Specialist, Nichols, Cauley & Associates LLC, Atlanta Doug Keipper, CAMS, Bankers Toolbox, Atlanta

BSA Officer Panel Chris Acker, Metro Bank, Douglasville; Steven “Kirk” Cavanah, Morris Bank, Dublin; Jody Elmore, Georgia Banking Company, Atlanta; Melody Halloran, Guardian Bank, Valdosta; and, Dale Harris, First State Bank, Wrens

Compliance with the Bank Secrecy Act (BSA) continues to be a top priority of the regulators, as well as community banks. One major requirement of the BSA is to designate a BSA Officer and to ensure he or she is well trained and qualified to carry out the duties of this important position. Participating in the CBA Advanced BSA Officer School is one way to help banks meet these requirements and goals. The focus of study is to provide updates and/or changes to the BSA laws and regulations and to provide valuable information to help BSA Officers enhance your BSA Compliance Program and to help you prepare for your next BSA examination and audit. Plans are underway for the 6th Annual Advanced BSA Officer School. Watch for details to arrive at your office soon.

To learn about this important school, please contact the CBA Education Department at education@cbaofga.com.

Bankers Who Attended All Five Years of the CBA Advanced BSA Officer School Pictured (L to R) Front row: Dale Harris, Elizabeth Nobles, Melody Halloran; Back row: Donna Kelley, Reba Woodcock, Sharon Haire, Cindy Matthews S e pt e mb e r • O c t o be r 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 9

Could Your Bank Do Better With ICBA?

BEFORE

AFTER

You’ll be able to run with the big dogs with ICBA products and services to boost your bottom line. Join the thousands of community bankers who are already benefiting from profitability solutions from ICBA, the organization focused solely on your success.

ICBA Bancard & TCM Bank ICBA Mortgage ICBA Securities 1-866-THE-ICBA | www.icba.org

ICBA Reinsurance

Asking the Right Questions About Banking Risks

By Martin Pfinsgraff O C C ’ s D e p u t y C o m p t r o l l e r for Credit and Market Risk

P

art and parcel of managing and directing a bank is knowing when to dial-up or dial-down risk in different products. Defining your own appetite for risk is a given, but understanding the direction and nature of risks facing the banking industry, particularly during periods of over-heating, is a critical variable to the risk appetite equation.

The Office of the Comptroller of the Currency publishes several reports that provide data and analysis to help bank directors and management better understand such risks, providing a context and insight for risk allocation decisions.

By focusing solely on risks, the report is admittedly one-sided, but aligned with the OCC mission of ensuring safety and soundness of the banking system. We would encourage you to download the Spring 2012 report and welcome your feedback.

One of the most popular is the new Semiannual Risk Perspective, an analysis of risk metrics of consequence to bankers, including: the operating environment, credit quality and operating performance of the national banking system, capital and liquidity, and interest rate risk.

Another report that helps to demystify the business environment is OCC’s Mortgage Metrics report. Every quarter, Mortgage Metrics provides performance data on first-lien residential mortgages serviced by selected national and federal savings banks. It’s an important document that provides solid information because the mortgages in OCC-regulated bank portfolios comprise 60 percent of all mortgage loans outstanding in the United States—31.0 million loans totaling $5.3 trillion in principal balance.

The Semiannual Risk Perspective was developed by the OCC's National Risk Committee with the objective of providing greater transparency and awareness of the types of risks that contribute to bubbles and the ensuing cyclical downturns.

The Spring 2012 report focused on 3 key risk themes: • After-effects of the housing-driven credit boom-bust • Revenue growth challenges from a slow

economy and heightened financial market volatility

Watch for the next OCC Semiannual Risk Perspective due out in this fall and for the Mortgage Metrics • Potential that search for higher profitability may lead to taking on inappropriate levels of risk report quarterly.

S e pt e mb e r • O c t o be r 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 11

Elects 2012-2013 Board of Directors at 44th Annual Meeting Dan Oliver, President & CEO, Vinings Bank, Smyrna, was installed as the 2012-2013 Chairman of the Community Bankers Association of Georgia (CBA) during the 44th Annual Meeting & Trade Show, held August 26 – 30, 2012, at Wild Dunes Resort, Isle of Palms, SC. His term began October 1, 2012.

Board members are selected from ten divisions across the state of Georgia, ensuring all Georgia community banks are equally represented. Board members are elected to a one-year term which begins October 1 of each year. During the course of the year, Directors will be involved in a number of items on behalf of the CBA membership, such as responding to proposed rules and regulations from the various regulatory agencies, reviewing numerous products & services which will benefit the community banking industry as well as the consumer, and continuing and enhancing relationships with elected officials.

Dan Oliver, President/CEO, Vinings Bank, Smyrna, 2012-2013 CBA Chairman with Mark Stevens, Market President, Bibb County, State Bank & Trust Company, Macon, 2011-2012 CBA Chairman

2012-2013 Board of Directors Dan Oliver, Vinings Bank, Smyrna Charlie Curry, First State Bank of Randolph County, Cuthbert Dale Morris, First National Bank of Coffee County, Douglas Ed Cooney, Affinity Bank, Atlanta Mark Stevens, State Bank & Trust Company, Macon Eddie Selph, The Merchants & Citizens Bank, McRae Al Ross, Peoples Bank, Lyons Scott Tomlinson, Flint Community Bank, Albany Scott Beeley, Bank of Terrell, Dawson George Lazenby, Newton Federal Bank, Covington Brad Serff, Providence Bank, Alpharetta Lisa Lane, State Bank & Trust Company, Macon Larry Mathews, Peoples Community National Bank, Bremen Tim Jones, Citizens Community Bank, Valdosta Mark Swanson, Northside Bank, Adairsville Mike Sale, The Commercial Bank, Crawford Paul Bennett, Alma Exchange Bank, Alma - Ex-Officio (ICBA) MEMBERS AT LARGE...……….. Pat Blanchard, First Bank of Georgia, Augusta Charles Buckner, First Citizens Bank of Georgia, Dawsonville Len Dorminey, HeritageBank of the South, Albany Joe Gore, First State Bank, Wrens Dr. Neel, Quantum National Bank, Suwanee Ricky Nessmith, Farmers & Merchants Bank, Statesboro Ron Quinn, Peach State Bank & Trust, Gainesville Drew Walker, Alliance National Bank, Cumming Derek Williams, First Peoples Bank, Pine Mountain Steven Rigdon, Pineland State Bank, Metter Carolyn Brown, CBA of Georgia, Atlanta Chairman ……………………………

Chairman-Elect……………………

Vice Chairman……….……………

Treasurer……………………………

Immediate Past Chair…………

At Large……………….…………….

Division 1 Chairperson….…..…

Division 2 Chairperson…………

Division 3 Chairperson…………

Division 4 Chairperson…………

Division 5 Chairperson…………

Division 6 Chairperson…………

Division 7 Chairperson…………

Division 8 Chairperson…........

Division 9 Chairperson…………

Division 10 Chairperson………

12 | www.cbaofga.com | September • October 2012

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S e pt e mb e r • O c t o be r 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

Make plans now to attend a Regulation & Taxation Liaison Committee Meeting This informative meeting is open to all CBA members. The goal of the meetings is to establish a dialogue with the state and federal regulators/agencies in furtherance of the following objectives: • obtain useful information from the regulator/agencies regarding their policies, procedures, techniques, and objectives; • communicate information obtained from the regulator/ 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/ agency problems and issues; and, • assist in the development of CBA positions on pending, as well as existing, regulations, interpretations and rules.

2012-2013 Schedule Thursday, November 8, 2012 Thursday, February 7, 2013 Thursday, May 2, 2013 Thursday, August 1, 2013 Thursday, November 7, 2013

14 | www.cbaofga.com | September • October 2012

GEORGIA FINANCIAL DIRECTORY The 2012 Georgia Financial Directory is a complete resource of all Georgia businesses within the financial industry. The directory contains information on banks, holding companies, savings & loans, credit unions, banking products and services, and much more. All CBA members receive a free copy of the directory. For additional copies, contact CBA or order at www.cbaofga.com.

2012 Georgi a Fin anc ial Dir ect ory Supporting Georgia’s Community Banks Since 1969

Order your copy today!

Only $40 for CBA Members ($55 for non-members - prepayment is required) Official Publication of the Community Bankers Association of Georgia (770) 541-4490 | (800) 648-8215

The Southeast Financial Workplace Law & Compliance Conference Wednesday-Thursday, December 5-6, 2012

DoubleTree by Hilton Hotel Atlanta - Buckhead | 3342 Peachtree Road NE - Atlanta, GA 30326

T

he CBA is pleased to partner with the Society of Human Resource Management of Georgia, the Southeast Financial Consortium, and other organizations to offer this important workplace law and compliance conference. This one-of-akind Conference will bring together leading experts to discuss strategies and tactics to tackle existing and developing –

AGENDA AT-A-GLANCE Wednesday, December 5th

8:30 am Registration / Continental Breakfast 9:00 am Welcome / Program • financial law (e.g., Dodd-Frank, OMWI, MLO, ethics and Overview whistleblower), 9:15 am Program Topics: • information law (e.g., GLB, privacy, confidentiality, data • Integrating Corporate breach, social media), Governance in HR • employment law (e.g., contracts, FLSA, EEO, AAP, healthcare, compensation), • Financial Workplace Audits and much more.

• Special Dodd-Frank & Other Compliance officers, human resource professionals, risk managers, CIOs, and Bank Laws for the Workplace anyone responsible for managing a workplace in the Dodd-Frank/IT era will • OMWI and Diversity as a benefit from a real-world discussion of the current and proposed compliance Capital Growth Strategy requirements for the financial workplace. We invite you to register today to • Intellectual Property for HR attend The Southeast Financial Workplace Law & Compliance Conference. To learn more and/or to register, please email Jodi Swilley at jodi@cbaofga.com or 12:00 pm Lunch Break register online at www.cbaofga.com.

1:30 pm Program Topics: • Shrinking Litigation Costs FEATURED SPEAKERS INCLUDE: through IT and HR • Social Media • Data Management for HR • Communication/Education/ Training & Tax Credits • Affirmative Action ComplianceGene Cauldle Constance Barker Online & Beyond Baylor Banks OnesourceHRM LLC, EEOC Commissioner, SIO Law Group, 4:30 pm

Adjourn Atlanta Washington, DC Atlanta

(Dinner at Your Leisure)

Thursday, December 6th 8:00 am 8:30 am

Mark Kanaly Alston + Bird LLP, Atlanta

Katrina Kiselinchev Inclusivitie, LLC, Atlanta

Sean Nelson Social Media Sonar, Atlanta

12:00 pm

1:15 pm

Continental Breakfast Program Topics: • Healthcare NOW for Financial Institutions • Worker Rights – New and Used • Compensation for Bankers Lunch-Guest Speaker, Constance Barker, EEOC Commissioner

Adjourn

Thank you, Partners!

Carlton Pilger Taylor English, Atlanta

Julius Pryor, III OnesourceHRM LLC, Atlanta

E. Ray Stanford SIO Law Group, Atlanta S e pt e mb e r • O c t o be r 2 0 1 2 | Ge o r g i a C o m m u n i t i es Fi r s t | 15

Is your bank hosting a fun event or honoring someone in your community? Send us your news and you could be featured in a future issue of Georgia Communities First magazine!

Budgeting for 2012?

Order Your Copy of the 2012 $alary $urvey!

The CBA is pleased to announce the 2012 Executive Bank Compensation Survey. This survey is conducted every three years by Mauldin and Jenkins, LLC and provides information on the top three bank executives (CEO, CLO and CFO) as well as directors. Visit www.cbaofga.com to order your copy today!

Silent Auction and Wall of Wine A Success.

The CBA’s popular Silent Auction and new Wall of Wine were quite a success at this year’s 44th Annual Meeting & Trade Show, August 26 – 30, 2012 at Wild Dunes Resort, Isle of Palms, SC. These fundraisers benefit the CBA’s 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 Georgia’s community banks.

Half the fun of drinking wine is discovering something new.

Attendees embraced the new fundraiser and over 30 bottles of mystery wine were purchased at the opening reception. The Silent Auction offered a wide array of items, ranging from purses, vacation packages, sports tickets, jewelry, home items, electronics and more. Thanks to all who donated and purchased items for the Silent Auction and Wall of Wine.

Save the Date

35th Annual Leadership Division Convention & Mini-Trade Show Thursday – Sunday, June 20-23, 2013 | Omni Amelia Island Plantation Resort | Amelia Island, FL

16 | www.cbaofga.com | September • October 2012

Carolyn Brown Named Vice Chair of Council of State Community Bankers Associations Carolyn Brown, President and CEO, Community Bankers Association of Georgia, Atlanta, has been elected Vice Chair of the Council of State Community Bankers Associations (CCBA) and will serve on the Association’s Executive Committee. Mrs. Brown was elected at the October national meeting in California and assumed her duties immediately after the meeting.

CCBA was organized in 1975 to foster the interests of state or regional community bankers associations organized for the benefit and perpetuation of community banking in their respective states or regions. Community banking association executives from across the U.S. meet to ensure effective representation of the interests of its members. The Council also assists the Independent Community Bankers of America (ICBA) in the promotion and enactment of beneficial federal banking laws and regulations for the advancement of community banking.

Mrs. Brown was named President and CEO of Community Bankers Association of Georgia in June 2009, having been with the Association since 1988. In this capacity, Mrs. Brown works closely with members, regulators, and legislators to ensure the Association is meeting the changing needs of its members.

She holds a business degree from Forrest Business College in Anderson, South Carolina. Mrs. Brown graduated Cum Laude from Georgia State University in Atlanta, where she received a bachelor's degree in Business Administration. In addition to membership in ICBA and CCBA, Ms. Brown has also served on various committees for the ICBA.

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For over 20 years, CRS Data has been providing banking professionals with the industry’s most indepth and reliable Real Estate information solutions.

We are committed to helping Community Banks stand strong in today’s regulatory environment. The Banker Suite addresses many of the challenges detailed in the Interagency Appraisal & Evaluation Guidelines.

The Banker Suite will increase the quality of your evaluations and extend the life of your appraisals while decreasing the costs.

We can help you justify your lending decisions while providing continual evaluations of your collateral.

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

WEBINARS

Register Today!

Affordable, professional training, when and where you choose.

NOVEMBER 2012

DECEMBER 2012

NOV 2 The March Deadline has passed: Do

Your ATMs Meet ADA Accessibility Requirements?

dec 4

NOV 6

Top 10 IRA Issues: Compliance, Reporting, Death & Distribution

NOV 7

Being Prepared for Regulatory Exams

NOV 8

Director Series: The Board's Role with the Loan Committee

NOV 14

Advanced Collection Tools

NOV 15

Wire Transfer Compliance

NOV 20

Bank Protection Act Robbery Preparedness for All Staff

NOV 27

Legal Update - Loans

Opening Trust Accounts: Documenting Authority & Liability

DEC 5

Escrow Account Compliance

DEC 6

Accounting/Auditing Series: Dissecting Loan Loss Reserves

DEC 11

Legal Update: Deposit Operators

DEC 13 The Four Components of a Social Technology Strategy:

Making Them Work at Your Bank DEC 14 Completing the New CTR Report Line-by-Line

NOV 29 Best Practices in IT Risk Assessment Programs

DEC 18

NOV 30 Regulation E. Alert: New

Requirements for Consumer Foreign Remittance Transfers

DEC 19 Commercial Property Appraisal Compliance

Really Understanding the "Midnight Deadline" for Processing Returns

If the webinar was previously held or if you cannot attend the "live" webinar, please consider ordering the web link. To register, visit www.cbaofga.com or contact the CBA Education department at education@cbaofga.com.

Mark Your Calendars

CBA Day at the Capitol

WEDNESDAY, JANUARY 23, 2013 18 | www.cbaofga.com | September • October 2012

Visa Means Business.

Around The World,

And Around The Block.

From florists to farmers, small businesses count on you – but are you providing them with the debit and credit card products they need? Give your small business customers what they want with a Visa program that’s right for your bank through ICBA Bancard.

Join the ICBA Bancard community of Visa issuers. Become a Visa-issuing community bank.

Hear from a community banker on how credit cards can increase fees and replace lost revenue

1-800-242-4770 | www.icbabancard.org/visacommunity

The Community Bankers Association of Georgia presents

Bank Directors’ & Ex

The 5th Annual

c ecutive Management Conferen

e

GREAT LEADERS = GREAT SUCCESS Tuesday, December 4, 2012

The Westin Buckhead Atlanta • 3391 Peachtree Road NE • Atlanta, GA 30326

T

he Community Bankers Association of Georgia (CBA) is pleased to partner once again with Philip Smith, President, Gerrish McCreary Smith, Consultants and Attorneys, Memphis, Tennessee to offer the 5th Annual Bank Directors’ & Executive Management Conference designed specifically for Georgia Community Bank Directors and Executive Managers.

This one-of-a-kind event will provide you with proven strategies and ideas for you to consider as you plan for 2013 and beyond. Industry experts will cover a variety of topics such as strategies for strategic planning; new perspectives for Bank Owned Life Insurance, Impact of Basel III and why banking entrepreneur companies is one unique way to increase your bottom line. Plus, a legal panel discussion is planned to help you stay abreast of major topics important to community banks.

In today’s environment, more than ever, a well-trained bank board and management team is one way to ensure a bank’s success.

The CBA and Gerrish McCreary Smith have been leaders in bank director and executive management training for decades. We invite you to make plans now to attend this one-day conference designed to help you meet your annual training requirements and to stay abreast of issues affecting community banks.

Continuing Professional & Legal Education (CPE and CLE) credits are available to participants. To learn more about the conference and to register, please contact Jodi Swilley at jodi@cbaofga.com or register online at www.cbaofga.com.

Tentative Schedule 7:00 am

8:00 am

11:45 am

1:00 pm

4:00 pm

Registration / Continental Breakfast Program Lunch Program Adjourn

TESTIMONIALS “Good basics & realistic given current environment.”

Charlie Curry, President & CEO, First State

Bank of Randolph County, Cuthbert “More topical than other conferences.”

Joel Arogeti, Director, Private Bank of

Buckhead, Atlanta “Good opportunity to network and learn what others are doing in the bank industry.”

Thad Watters, Director,

Heritage First Bank, Rome “Every director needs to be here.”

Neil Lowe, President & CEO, The Bank of Edison

FEATURED SPEAKERS

Phillip Smith

President & Member of the Board of Directors, Gerrish McCreary Smith, PC

Brian Miller Founding Member & Managing Principal of Banc Consulting Partners

20 | www.cbaofga.com | September • October 2012

Cliff Oxford

Founder & CEO, Entrepreneur Advisors, Inc

Mark Kanaly Kamal Mustafa Kathryn L. Knudson Partner, Partner, Chairman & CEO, Invictus Alston + Bird, LLP Bryan Cave, LLP Consulting Group LLC

2012 CBA Consumer Lending School MONDAY - FRIDAY November 5 - 9, 2012

Julian Hester Training Center at CBA Headquarters, Atlanta This comprehensive, week-long study of consumer lending will take the student through the process of consumer lending to develop and advance the skills necessary to administer quality consumer loans. The school is the only consumer lending school in Georgia specifically designed for community bankers. The faculty includes a variety of experienced Georgia community bankers and community bank specialists. Register today at www.cbaofga.com for the highly acclaimed Community Bankers Association of Georgia’s Consumer Lending School and come learn from industry experts while networking with other community bank loan officers.

Our team collaborates with yours to ensure less disruption and constant communication regarding the audit status. After all, bank audit and tax work require a little more effort than counting with an abacus.

100+

financial institution clients

Who Should Attend This school is designed for entry to junior level consumer lenders with at least one year of lendingrelated experience. This includes the following positions: New Loan Officers, Loan Administrators, Loan Documentation Clerks, Credit Card Administrators & Lending Assistants.

CRIcpa.com | blog.cricpa.com Februar y 2012 Consumer Lending School Graduates

ALABAMA | FLORIDA | GEORGIA | KENTUCKY LOUISIANA | MISSISSIPPI | TENNESSEE | TEXAS

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

freedom of choice

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While some would like community financial institutions to have fewer choices and less control, SHAZAM believes that community financial institutions must remain in control of their own futures.

SHAZAM is owned and operated by community financial institutions. We understand who you are and what you believe in. We’re here for you, providing the cost-effective technology that makes you more effective.

You do have a choice in EFT networks. Choose the only EFT network invested in your success.

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(800) 537-5427