South Carolina Bankers AssociaĆ&#x;on
KNOW WAY.
At AloStar, we take great pride in Starlink, our online services platform. It’s intuitive, streamlined, and gets great reviews from clients. Having a complete spectrum of correspondent banking services is only part of what it takes to be a strong correspondent banking partner. The way those services are accessed has to be every bit as streamlined as the services themselves. We know the kind of help you need. And we know how you need it delivered. That’s know how.
CORRESPONDENT SERVICES-
BALANCE SHEET MANAGEMENT | BOND ACCOUNTING | INVESTMENT STRATEGIES
CLEARING FUNDS MANAGEMENT | FED FUNDS | INTERNATIONAL SERVICES | SAFEKEEPING
ADVISORY SERVICES-
STRATEGIC BALANCE SHEET MANAGEMENT | STRATEGIC PLANNING | PROFITABILITY ENHANCEMENT
C O R R E S P O N D E N T C R E D I T-
MEMBER FDIC
ASSET BASED LENDING
K N O W M O R E : C B S . A LO S TA R B A N K . C O M | 8 6 6 - 2 1 9 - 9 0 3 5
Cover Story
The Few, the Proud: S.C. Mutual Savings Institutions
Kingstree Federal Savings & Loan Chief ExecuƟve Rudy MaƩhews talks with employees Angela Cooper, leŌ, and Tricia Harrington inside at the insƟtuƟon’s teller line.
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GETTING THE
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Helping you achieve your branch transformation goals to satisfy the custom in every customer.
The in-branch demands of your customers are various. Some demand simple transaction speed. ® Others require extensive personal attention. Diebold Opteva Branch Performance SeriesTM ÌiÀ > à ÜiÀi `ià } i` Ì «À Û `i Ì i y iÝ L ÌÞ Ì Àië ` > } Ì i i Ì Ài ëiVÌÀÕ v Ì iÃi needs. In the process, you can achieve your branch transformation goals. Your customers are Ã>Ì Ãw i`° 9 ÕÀ Ìi iÀà >Ài vÀii` Õ« Ì VÀi>Ìi } iÀ Û> Õi Ã> ið ̽à > Ì iÀ iÝ> « i v Ü Diebold is satisfying the personal tastes of both customers and the branches that serve them.
For the entire story, visit www.diebold.com/newinnovation.
requests@diebold.com www.diebold.com
Jason Caskey, CPA Financial Services Practice Chair
Not all of a bank’s assets are found on its balance sheet.
More than 100 banks in the Southeast, large and small, depend on Elliott Davis for personal attention, industry experience and services, including external and internal audit, SEC reporting, taxation and compliance. Our financial services practice is 90 professionals strong, with a 60-year reputation for helping banks operate stronger, wiser, better. Let us know how we can be an asset to you.
Georgia • North Carolina • South Carolina • Virginia www.elliottdavis.com
It’s Not Just a Building...
It’s Home. Community Investment Corporation of the Carolinas is a lending consortium of more than 100 southeastern financial institutions, working together to provide permanent financing that supports the development of high-quality affordable multifamily housing in the Carolinas, Georgia, Tennessee, Virginia and West Virginia. Since 1990, CICCAR members have funded more than $250 million in loans, creating 15,000 units in over 300 properties. In return, they receive the benefits of loan growth, CRA credit and the satisfaction of creating “home” for nearly 50,000 people. Call today to learn more about the ways that membership in CICCAR can benefit your bank, and the communities you serve.
Community Investment Corporation of the Carolinas
CICCAR
P.O. Box 19999, Raleigh, NC 27619 Toll free: (800) 662-7044 Local: (919) 781-7979 www.ncbankers.org/CICCAR
@CICCarolinas
Trusted.
Lending. Partner. "We are very pleased with the recent Holding Company Loan we acquired from TIB. The entire process was smooth and we were very impressed by the level of professionalism we witnessed at each stage - application through closing. Our entire Board of Directors is grateful to TIB and their staff of experienced banking professionals." Jim Smith, President & CEO Sandhills Holding Company, Inc. North Myrtle Beach, SC
Call Mac Cochrane Today Member FDIC
(704) 620-8841 www.mybankersbank.com
Trusted. Partner.
F O C U S
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S O L U T I O N S
Ineffective resource management diminishes your bank’s efficiency. With today’s tight margins, a close watch over customer demand and staffing levels is necessary to maximize profitability.
$3.75k per week
10
branches
5
full-time employees
@ $15
per hour
-5 =
hours per week
$195k per year
Matching your staffing levels to customer traffic can translate into big cost savings.
Banks using SNL Banker make smarter staffing decisions without sacrificing customer satisfaction. Teller Performance Management
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SCBA Members: Learn how to manage your personnel costs and solve five other common banking challenges. Contact Julie Jones at 434.951.4419; partners@snl.com
Convert Fixed Rate Loans to Floating — Using Our Balance Sheet CenterState’s Assumable Rate Conversion (ARC) Program allows your bank to utilize our expertise and balance sheet in order to offer long-term fixed rate loans to your customer while your bank enjoys a floating rate – all without hedge accounting and hedge management. How is that for an idea?
400 Interstate North Parkway, Suite 1200 Atlanta, GA 30339 770.850.3400 888.411.1132 www.csbco r respo n d en t.co m
Trust in Accurate Property Reports Meet FDIC regulations without breaking the bank. CRS Data Banker Suite helps lenders comply with Interagency Appraisal and Evaluation Guidelines—and save money doing it.
The Banker Suite can help you be
helps you stay fully compliant with all 8
more efficient, more compliant and
points of Interagency Guidance while
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customizable, easy-to-use database
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