The Mississippi Banker - May June 2017

Banker THE MISSISSIPPI

MAY/JUNE 2017

VOLUME 101 • NUMBER 6

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The official publication of the Mississippi Bankers Association Rachel Chew • Editor

FOUNDED 1889

Volume 101 • Number 6 • MAY/JUNE 2017

OFFICERS

Chairman Jerry Host, Jackson Vice Chairman Mary Childs, Ripley Treasurer Greg McKee, Philadelphia President McKinley W. Deaver, Jackson

BOARD OF DIRECTORS Terms Expiring 2018 Andy Anderson, Anguilla Hoppy Cole, Hattiesburg Arthur DuCote, Jackson Michael Dudley, DeKalb Moak Griffin, Columbus Frank West, Batesville Terms Expiring 2019 Steve Gresham, Holly Springs Eddie Hammond, Winona Dan Rollins, Tupelo Mark Tapp, Baldwyn Terms Expiring 2020 Shannon Akers, Brookhaven Shane Clayton, Pontotoc Alan Hargett, Indianola Gee Gee Patridge, Ridgeland Danny Whalen, Cleveland Ex-Officio Members Jerry Host, Chairman, Jackson Mary Childs, Vice Chairman, Ripley Greg McKee, Treasurer, Philadelphia Frank Sibley, Retiring Chairman, Marks George Marx, Preceding Chairman, Hazlehurst

Features Graduate School of Banking at LSU ......................................... 12 30 Mississippians complete three-year GSB program

Mississippi School of Banking .............................................14-15 44 graduate from MBA-sponsored school

2017 MBA Annual Convention ..........................................17-22 Mississippi bankers annual reunion is 'The Reel Deal'

MBA 40-, 50- and 60-Year Clubs ........................................24-25 Bankers recognized for years of service

ON THE COVER: Summer Sunset at Gulfport

Departments From the President ..............................................................................................................2 Around the State ............................................................................................................. 4-8 Good Neighbors..................................................................................................................9 Government Relations Update .................................................................................... 10-11 MBA Live Events ..............................................................................................................13

STAFF President ............................... McKinley W. Deaver Senior V.P., Operations .........................Amy Davis Senior V.P., Gov. Relations ........... Gordon Fellows Programs Manager ...........................Lori Richardson Marketing Manager ....................... Brooke McCoy Business Manager................................... Gail Sykes Manager of Insurance Services .........Sherell Taylor Manager of Communications ............ Rachel Chew

YOUNG BANKERS SECTION President. ......................Wes Rouse, Hattiesburg Vice President. ......................Bob Glover, Ripley Treasurer ......................... Marc Petro, Ridgeland

Webinars ...........................................................................................................................16 Bankers on the Move ................................................................................................... 26-29 Classified Ads .............................................................................................................. 30-31 American Bankers Association ...........................................................................................32

The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone (601) 948-6366. Periodicals Postage paid in Jackson, Mississippi.

POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037.

The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements.

Printed By Hederman Brothers, Ridgeland, MS MAY/JUNE 2017

1

From the President

THE MISSISSIPPI BANKER

Hitting the ground running

By Mac Deaver, MBA President The MBA has "hit the ground running" as we begin a new association year. Chairman Jerry Host has been busy working to chart a successful course for the association, and the Deaver staff has already begun working on a "to do" list that includes many ongoing projects to finish and new opportunities to realize.

The 2017 MBA Convention provided a great conclusion to another successful year and served as a springboard into 2017-18.

Our convention continues to be one of the largest state bankers conventions in the nation, and this year’s truly was “The Reel Deal”! (Convention highlights appear on pages 17-21.) Thanks to all 671 persons who attended the convention.

Topping our goals for 2017-18 is the continued implementation of the MBA strategic plan, adopted last fall. This fouryear plan includes dozens of initiatives and projects designed to help maximize the value of MBA membership. The plan not only covers the visible “moving parts” of our association (education, government relations, communications, services and products, etc.), it addresses other matters that will determine the long-term success of the MBA (such as our structure, financial operations, governance, and others).

One key objective of the strategic plan is to increase participation by more banks and bankers in MBA activities. Needless, with the number of member banks declining, this objective presents a serious challenge.

Input from bankers last summer provided the starting point for our strategic plan. As we work to define, prioritize and carry out details of the plan, we will need the continued input and involvement by member bankers. Thanks for supporting 2

the leadership and staff as we work to do this.

One way the MBA is working to provide increased value is through arrangements that provide meaningful products and services to member banks on terms not otherwise available to them. In this process, we evaluate proposals from service providers wishing to partner with our association and, when we have adequately vetted the service and the provider, we negotiate for favorable pricing and delivery options for member banks. If an endorsement agreement is reached, the MBA recommends the program to our members, and we support our endorsed partner in its marketing to Mississippi banks. Importantly, the MBA receives financial support from these endorsed arrangements, and the non-dues revenue generated helps mitigate any need for member dues increases.

At the recent convention, we highlighted our three most recent endorsed programs - the Office Depot Purchase Program, the Bank Captive Program offered by KeyState Captive Management, and geo-spatial imaging services offered

by Vizaline. Brooke McCoy, MBA marketing manager, works with these programs, and she would welcome hearing from bankers who have interest in them.

Brooke also is involved in identifying opportunities for other endorsed programs.

Please contact her if you have questions or thoughts in regard to current or prospective MBA programs.

For the second year, one of the most exciting events at the MBA Convention was a silent auction held to benefit the MBA Education Foundation. The Foundation, started in 2012, funds scholarship programs and supports financial literacy activities throughout the state. Thanks to the participation and generous support of many of you, the convention

THE MISSISSIPPI BANKER

silent auction generated over $13,000 for the Foundation. (See article on page 22). MBA Vice Chairman Mary Childs becomes president of the Education Foundation on July 1, and she will be leading the Foundation board as it explores ways to grow the Foundation and to expand its activities.

I am constantly saying that any success enjoyed by the MBA can be attributed to involvement by Mississippi bankers. Not only does banker involvement benefit our association, it also helps to advance the careers of participating bankers and provides benefits to their institutions. With this in mind, I would like to recommend service on an MBA standing committee as a great way for bankers to become involved.

Chairman Host will be appointing standing committees during the month of July, and I encourage bankers to volunteer to serve – or recommend others in their bank for service. Our committees cover many areas of banking – such as lending, compliance, communications, human resources, security, trust and others.

Committee members stay abreast of the latest developments affecting their jobs (and their banks). Perhaps most important are the relationships that committee members develop with their colleagues in other Mississippi banks. I encourage you to contact Amy Davis or me if you would like to learn how you can serve on an MBA committee.

As we begin a new MBA year, I want to express my personal thanks to our association staff, which works every day to support our member bankers and to make the MBA a success. I especially appreciate their dedication and commitment to their jobs, and the support they give to one another. I encourage all Mississippi bankers to call on any member of the MBA staff whenever they might assist you. They’ll be glad to hear from you!

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Around the State

THE MISSISSIPPI BANKER

Grubbs joins board of directors At Citizens Bank, Columbia Lee H. Fedric, Chief Executive Officer of Citizens Bank in Columbia announced the appointment of Mack Grubbs to the board of directors of Citizens Bank and Citizens Corporation. Grubbs Grubbs is a graduate of the University of Southern Mississippi with a bachelor’s degree in Accounting.

He is involved in business and community activities with his business interest including Mack Grubbs Motors, Mack Grubbs Hyundai, Palo Verde Re-Insurance Holding LTD, Diversified Dealers Association, LLC; and Newk’s Express Café located in Hattiesburg, Mississippi.

Grubbs serves as a director on the Forrest General Healthcare Foundation Board, a member of the Mississippi Post Secondary Education Financial Assistance Board, and a member of the Marion County Development Partnership Board.

He is past President of the University of Southern Mississippi Athletic Foundation and a University of Southern Mississippi Alumni Hall of Fame Inductee.

Grubbs and his wife, Vickie, reside in the Bellevue Community and are members of Temple Baptist Church in Hattiesburg. He has a daughter and son-in-law, John and Terri Parker, two grandchildren, Warren and Ina Claire Parker, and a stepson, Phillip Rogers.

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AND THE HIGHEST ETHICAL STANDARDS. Idris Alimi-Omidiora, CFA

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Renasant Corporation, the parent company of Renasant Bank, and Metropolitan BancGroup, Inc., the parent company of Metropolitan Bank, jointly announced the start of construction for their new Memphis Midtown location.

This office is expected to open during the fourth quarter of 2017 following the expected merger of Metropolitan and Renasant on July 1.

It will be a full-service Renasant Bank, operating to address the growing population of young professionals, an influx of small business and the established medical community surrounding this high profile location.

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Renasant and Metropolitan announce New Memphis Midtown location

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Around the State

THE MISSISSIPPI BANKER

Copiah Bank names Bozeman president and Chief executive officer Carl S. Bozeman, Jr. was elected president and chief executive officer of Copiah Bank by the bank’s board of directors. George R. Marx, Chairman of

Guaranty Bank Acquires Ike Trotter Agency as Part of Guaranty Financial Services Hue Townsend, president of Guaranty Investment Corp., operating as Guaranty Financial Services, which is a whollyowned subsidiary of Guaranty Bank & Trotter Trust Company, has announced that they will merge with the investment subsidiary of the Ike Trotter Agency, LLC in Greenville, effective June 1, 2017.

The merger, Townsend explained, is “reflective of Guaranty Bank’s commitment to providing comprehensive financial solutions to our customers – solutions that extend beyond traditional banking services.” The firm’s principal officer, Ike Trotter, will join Guaranty Financial Services at the bank’s location on Highway 1 in Greenville. Townsend continued, “This will expand our wealth management team and give our clients a full suite of financial services.”

Trotter began his career by joining his father’s insurance agency, and later opening his own firm. Trotter is a graduate of the University of Mississippi, where he earned his bachelor of arts degree.

the Board, and previous president and C.E.O. commented, “Steve’s election is the culmination of our management succession plan that was formulated two years ago. He is a lifelong Bozeman

native of Hazlehurst, and was a very successful business man, and has served on our board for 16 years. He is well liked in the community as well as by our staff.

I am very confident that he will serve us with integrity, enthusiasm, loyalty, and energy and all of us look forward to his leadership.”

experience recognition

A National CPA & Advisory Firm Reaching new heights requires a major personal and professional investment that’s equal parts passion, respect, integrity, discipline and excellence. We call it PRIDE, and it’s at the heart of BKD’s success. That’s why we’re pleased to congratulate Megan McKinnie on her promotion to senior manager.

Megan McKinnie // mmckinnie@bkd.com 601.948.6700 // bkd.com

MAY/JUNE 2017

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Around the State

THE MISSISSIPPI BANKER

Aubrey Patterson receives national commendation From Boy Scouts of America Aubrey Patterson has been awarded Scouting's highest commendation of the invaluable contributions that outstanding Americans make to youth, the Silver Buffalo Award at the Boy Scout National Annual Meeting in Orlando, Florida, recently. Created in 1925, the Silver Buffalo Award is for service national in scope and can be independent of, or directly through, the Boy Scouts of America.

Patterson, chairman emeritus of BancorpSouth Inc., has been a member of the BSA’s National Executive Board and has served as the treasurer, president and chair of the Yocona Area Council. In his 34 years of Scouting, he has been recognized with the Silver Antelope and Silver Beaver awards, and the Yocona Area Council Distinguished Citizen Award, just to

name a few. An Air Force veteran, Patterson served as a trustee and member of the executive committee of the Presbyterian Church USA Foundation and as a trustee of Columbia Theological Seminary. He has served as the chairman of the Mississippi Bankers Association and the American Banking Association.

“This is the BSA’s high- Pictured Above: Aubrey Patterson (far right) with his son Clay est award on the national Patterson (far left) and daughter-in-law Chris (center). level,” commented Yocona councils in the U.S., then you see what a Area Council Scout Executive Rick Chap- great honor this is not only for Aubrey but man. David Rumbarger, a past Silver also for the Yocona Area Council. We’re Antelope honoree, added, “When you having an impact on North Mississippi as consider that we’re one of 272 Boy Scout well as the United States.”

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THE MISSISSIPPI BANKER

With a rebounding economy banks are faced with the growing challenge of retaining key officers given the increased competition for top talent, while other banks are growing assets through investment in key new hires. To that end, many banks are becoming more astutely and proactively engaged in their understanding

Equias Alliance:

KEEPING YOUR TOP TALENT

of which nonqualifed compensation plan types

By James Taylor and David Shoemaker,

work best in certain situations.

Consultants for Equias Alliance

Nonqualified plans need to be tailored to meet the needs of the individual. For example, a younger officer in his or her 30s may not see the value of a retirement benefit targeted at age 67, but would see value in a plan that allows for earlier cash distributions to pay for a child’s college education or that allows for early retirement at age 55. Many organizations use a combination of plans and approaches to attract and retain their key people. Here are some examples of situations and challenges bankers have faced when contemplating compensation plans: 1. You have an executive in his/her mid-50s who has and continues to lead and grow the organization. This executive's personal focus is now being directed more at building wealth and deferring some portion of current cash compensation. Consider a deferred compensation plan (DCP) coupled with a supplemental executive retirement plan.

2. You have young officers in their 30s and 40s who represent your bank's emerging leaders and high value talent that need to be compensated for their efforts with more than just base salary and annual bonus amounts. Consider a performance-based DCP. Not only is it important to tie these individuals to your bank if you remain independent, but it can also enhance the sales price if these individuals stay with the purchasing bank in the event your bank is sold. Properly designed nonqualified plans can substantially increase the probability they will stay in either scenario.

3. For closely held banks that would like their management team to think like owners, consider nonqualified plans using a phantom stock or stock appreciation rights approach or, if another type of deferred compensation plan is adopted, consider linking the interest credited to the executive’s account to the bank’s return on equity.

If you would like us to review your bank's existing nonqualified plan and/or to help you determine the next move to secure your best and brightest talent, please email James at jtaylor@equiasalliance.com or David at dshoemaker@equiasalliance.com.

www.equiasalliance.com

DAVID SHOEMAKER David Shoemaker, CPA/PFS, CFP ®, is a principal of Equias Alliance, which through consultants has assisted over 800 banks in the design of nonqualified benefit plans, performance based compensation and (BOLI).

JAMES TAYLOR

James Taylor, a consultant at Equias Alliance, has worked with bank clients for 27 years. The past 15 years he has specifically advised clients on the design of nonqualified executive & director benefits plans and BOLI programs.

Equias Alliance offers securities through ProEquities, Inc. member FINRA & SIPC. Equias Alliance is independent of ProEquities, Inc. This article is published as a paid advertisement. Views and opinions expressed therein are those of the author and do not necessarily reflect the views and opinions M ofA the Y / Mississippi J U N E Bankers 2 0 1 7 Association.

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©2017 Equias Alliance

Around the State

THE MISSISSIPPI BANKER

Regions' Cheryl Johnson honored by USM Cheryl Johnson, Mississippi Gulf Coast President for Regions Bank, was honored by The University of Southern Mississippi. She received the 2017 Friendship Oak Award, in appreciation of her ongoing support and dedication to The University of Southern Mississippi.

As president, Cheryl is responsible for the oversight of all banking functions for Regions in the coastal counties of Mississippi. She is a banking veteran of 40 years, with a career that has encompassed various roles including production, market development, and team leadership through the utilization of a diverse lending background and relationship management experience.

Currently, Cheryl serves on the Board of Trustees for Garden Park Hospital, The University of Southern Mississippi Foundation’s Executive Board of Directors and

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the United Way of South Mississippi Executive Board.

In addition, she frequently serves on various panels and steering committees associated with economic development projects.

Cheryl has received recognition as one of Mississippi’s 50 Leading L to R: Dr. Steven Moser, USM Provost and SVP for Academic Affairs; Business Women, Dr. Rodney Bennett, USM President; Cheryl Johnson, MS Gulf Coast a South Mississippi President; Bobby Johnson; Dr. Steve Miller, Vice President of USM Gulf Outstanding Com- Park Campus and Dr. Casey Maugh Funderburk, Vice Provost for USM m u n i t y L e a d e r, Gulf Park Campus Gulfport Rotarian of the Year, a Woman of Achievement and Professional Women), and Best of the (Corporate Category, Lighthouse Business Best (Regions Bank).

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THE MISSISSIPPI BANKER

Good Neighbors

THE MISSISSIPPI BANKER

BankPlus awards scholarships to scholar athletes For the 12th consecutive year BankPlus has honored student athletes in the Jackson Metro area. The BankPlus Scholar Athlete banquet was held in April at Table 100 in Flowood, where students from schools all around the Jackson Metro were recognized for being not only great athletes, but for also having stellar academics.

Each year, students are selected for this award by their schools, and are then invited to a banquet in their honor to recognize their outstanding achievement.

At the banquet, they enjoy a fine meal and hear from leaders at BankPlus and WAPT, as well as a guest speaker. This year’s guest speaker was All-American basketball player and former Miami Hurricane, Darius Rice.

“BankPlus takes pride in rewarding excellence, and what better way to do this than to assist some of our brightest young minds with scholarships in order to further their education. We recognize an outstanding scholar-athlete from all the high schools in the tri-county area,” said Gene Delcomyn, Senior Executive Vice President & Chief Commercial Banking Officer at BankPlus.

Throughout the course of the BankPlus Blitz 16 Scholar Athlete Program, over

$35,000 in scholarship funds have been awarded to student athletes. Also, the program won “The Mississippi Association of Broadcasters Television Community Service Award,” presented by WAPT.

MAY/JUNE 2017

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Government Relations

THE MISSISSIPPI BANKER

Mississippi bankers engaged in the fight for Regulatory relief in Washington 2017 has already been a very active year for Mississippi bankers in Washington.

There are a number of new bank-related developments in our nation’s capital, as the Trump administration takes shape and as Congress continues to consider banking legislation. Mississippi bankers have been involved in the debates that will impact our industry throughout the year.

Mississippi bankers have participated in two separate advocacy trips to Washington this year. A group of 10 bankers attended the annual ABA Government Relations Summit on March 20-22.

Later, on April 30-May 3, a group of 9 bankers participated in the ICBA Capital Summit. At both of these conferences, Mississippi bankers joined with bankers from all over the country in advocating for much needed regulatory relief. Bankers heard from key members of the Trump Administration and legislative leaders, and met with members of the Mississippi Congressional Delegation during both of these events. The MBA is affiliated with both the ABA and ICBA, and MBA staff

was involved in both events.

Following these fly-ins, the U.S. House of Representatives took a major step toward enacting banking regulator relief on June 8 by passing HR 10 - Chairman Jeb Hensarling’s Financial CHOICE Act. The CHOICE Act is the House Republican “repeal and replace” Dodd-Frank, and includes a number of regulatory relief provisions that Mississippi bankers have MBA Vice Chairman Jerry Host led Mississippi bankers in meeting with Senator Thad Cochran during the ABA's GR Summit. long advocated for.

The focus on regulator relief now shifts to the U.S. Senate, which began holding hearings Wicker with the hope of advancing relief in early June. Passing meaningful leg- legislation through Senate by the end of islation through the Senate will be a the year.

The MBA will host its annual Washconsiderably more difficult than in the House, and bankers must continue to be ington Visit on September 10-13. Bankactively involved in working to promote ers interested in attending this event are the industry as the debate continues. The encouraged to contact Gordon Fellows at MBA will continue to work with Missis- (601) 948-6366 or gfellows@msbankers. sippi Senators Thad Cochran and Roger com.

Thanks to 2017 ABA GR Summit Attendees: Andy Anderson Michael Booker Mac Deaver Bob Glover Jerry Host Fred Miller Marc Petro

MacKenzie Parker Barry Prather Michael Schloegel Hue Townsend Huey Townsend Clay Wagner

Thanks to 2017 ICBA Captiol Summit Attendees:

Mississippi bankers visit with Sen. Roger Wicker during ICBA Capitol Summit in Washington, D.C.

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THE MISSISSIPPI BANKER

Ern Black Bill Sones John Shappley Jonathan Taylor Alan Walters

Johnny Barrett Wes Rouse Gordon Fellows Robbie Barnes

MBA's newest endorsed program Mississippi based Vizaline uses geo-spatial imagery to resolve boundary issues Vizaline LLC, a Mississippi-based company that employs geospatial technology to help bankers resolve or head off property boundary issues, is the MBA's newest endorsed partner.

Vizaline touts itself as being "created by bankers for bankers."

The company has developed visualization tools and products to help those in the industry better understand assets, shield portfolios and protect customers.

The company's Viza-Plat product can be used to determine boundary lines on properties without the need for a more expensive survey. It does not necessarily replace the need for a survey in all instances but can be used when a full survey is not required.

Among uses for Viza-Plat: • For trust department customers wishing to get an accurate view of their real estate holdings; • During loan renewals to assure banks that loans have quality legal descriptions, and in conjunction with surveys to determine if the latter are correct, and • To see a visualization of improvements, easements and partial releases.

Use of the product is relatively simple: A bank client downloads the legal description of the property to Viza-Plat, where it is read and platted and the legal description interpreted. The company places it on geo-spatial imagery and gets back to the bank within 48 hours with an image developed from the information.

Bankers will be able to know of encroachments, easements and partial releases before they make a decision on funding a loan.

Importantly, if Vizaline discovers a problem with a job description, it advises the bank about a solution.

The MBA's agreement with Vizaline allows MBA members to use the service with prices starting as low as $90 per case.

For more information on working with Vizaline, contact MBA marketing manager Brooke McCoy at (601) 948-6366 or bmccoy@msbankers.com

Area marked by yellow lines shows information given to bank regarding property in question; pink box shows property boundaries, as correctly determined by Vizaline.

Vizaline, LLC

216 Hickory Glen Madison, MS 39110 Contact: Brent Melton Phone: 601.405.1802 Website: www.vizaline.com Email: brent@vizaline.com

September 10-13, 2017

Annual MBA Washington Visit THE MADISON HOTEL WASHINGTON, DC

Re�is��� N�� MAY/JUNE 2017

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Thirty Mississippians graduate From Graduate School of Banking at LSU In June, 30 Mississippi graduates received diplomas from the Graduate School of Banking at Louisiana State University. Mississippi graduates include: • Rebecca Barrentine, Copiah Bank, Hazlehurst • Chadwick Boarman, State Bank & Trust, McComb • Justin Bobo, First Commercial Bank, Southaven • Jeremy Bond, Trustmark National Bank, Jackson • Lucius Brock, Renasant Bank, Oxford • William Carpenter, Trustmark National Bank, Meridian • Ben Cayson, Mississippi Department of Banking, Jackson • Lee Hardy, BankPlus, Flora • Luke Harris, Renasant Bank, Oxford • John Haynes, Farmers & Merchants Bank, Baldwyn • Ann Herring, Mississippi Department of Banking, Jackson • Brock Howell, First Southern Bank, Columbia • Steven Jackson, BankPlus, Madison • James Kaigler, Hancock Bank, Gulfport • Robert Lacey, BankPlus, Madison • Leonard Lee, Trustmark National Bank, Vicksburg • Bridget Lowery, Trustmark National Bank, Brandon

• Joel May, The First, A National Banking Association, Hattiesburg • Bradley McDaniel, First Southern Bank, Columbia • Sean McNichol, Mississippi Department of Banking • Zack Nordan, Trustmark National Bank, Jackson • Brandon Nunley, Farmers and Merchants Bank, Booneville • Christina Osborne, MBA chairman Jerry Host, MBA president Mac Deaver and several First Commercial Bank, other GSB alumni joined Mississippi students for reception at LSU Jackson Union during the first week of the GSB session.

• Chris Roberts, BankPlus, Ridgeland associations, in cooperation with the Di• John Roberts, BancorpSouth, Hat- vision of Continuing Education at LSU, tiesburg the banking school requires attendance • Daniel Russell, Citizens National on campus for three years, with extensive Bank, Meridian bank study assignments between sessions.

• Frank Sory, Guaranty Bank & Trust The faculty consists of bankers, business Company, Belzoni and professional leaders, and educators • Christopher Stebeck, Community from across the country.

Bank of Mississippi, Forest During their three years at the school, • Collin Tackett, Guaranty Bank & students receive 180 hours of classroom Trust Company, Hernando instruction, thirty hours of reviews, • Mark Taylor, The Citizens Bank of planned evening study, and written final Philadelphia, Philadelphia examinations at the end of each session.

Through 2017, 1,733 Mississippi Sponsored by the Mississippi Bankers bankers have graduated from the GraduAssociation and 14 other state bankers ate School of Banking at LSU.

will be held April 8-14, 2018 University of Mississippi Oxford, MS Applications will be available September 1, 2017 12

THE MISSISSIPPI BANKER



MBA Professional Development

Live Events

Opportunities to interact face-to-face with expert instructors and peer bankers

AUGUST 8

MBA AGRICULTURE CONFERENCE

16-7

IRA SCHOOL

23

MBA COMMUNICATIONS CONFERENCE

29-30

LOAN REVIEW CONFERENCE

Hilton Hotel, Jackson Who Should Attend: The program is designed for CEOs, Ag Lenders and any banker interested in knowing more about the everchanging world of Agriculture Embassy Suites, Ridgeland Who Should Attend: This MBA program is designed for New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Accountholder Service Representatives, Investment & Trust Personnel, Any IRA Personnel

Embassy Suites, Ridgeland Who Should Attend: The program is designed for communications/marketing executives and professionals and senior executives responsible for overseeing marketing and public relations functions Embassy Suites, Ridgeland Who Should Attend: This MBA program is designed for Commercial Lenders, Credit Officers, Branch Managers, Credit Analysts, Consumer Lenders, Loan Review Officers, and Compliance Officers.

SEPTEMBER 7-8

MBA COMPLIANCE CONFERENCE

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CALL REPORT SEMINAR

Hilton Hotel, Jackson Who Should Attend: This comprehensive program is designed for CEOs, Compliance Officers, BSA/AML Officers, Compliance Personnel, Risk Officers, Operations Officers Embassy Suites, Ridgeland Who Should Attend: This MBA program is designed for Operations officers, CEOs, CFOs, Internal Auditors, Anyone who is responsible for the preparation, verification or certification of the call reports

For more information about MBA live events, please visit MAY/JUNE www.msbankers.com /calendar-of-events or call (601) 948-6366

2017

13

MS School of Banking THE MISSISSIPPI BANKER

Mississippi School of Banking concludes 48th session 44 graduates are honored after completing two-year program

Forty-four students graduated from the 48th annual session of the Mississippi School of Banking, conducted by the MBA on the University of Mississippi campus. A total of 97 students attended the school this year during the week of April 2-8.

During the two-year program, graduates completed over 80 hours of classroom instruction, including lectures and workshops on a wide array of banking subjects, and successfully completed a series of home study problems. Graduates also passed written examinations at the end of each session and participated in the ABA’s BankExec Financial Simulation during their second year.

The 2017 student body was comprised students from 43 different Mississippi banks and organizations. Dr. Ken Cyree, MBA/Frank R. Day Chair of Banking and

L to R: Nick Bosco was elected President and LaRay Cloud was elected Treasurer of their class at the Mississippi School of Banking.

Dean of Business at the University of Mississippi, serves as director of the school. MBA Senior Vice President, Amy Davis, is the MSB registrar.

MBA Chairman, Frank Sibley of Marks, addressed graduation ceremonies and joined in presenting diplomas. Other remarks L to R: Dr. Ken Cyree, MBA/Frank R. Day Chair of Banking; Donald L. were made by Cyree, Moak Achievement Award Winner, MacKenzie Parker, Bank of Anguilla; MYB President Wes Mac Deaver, MBA President, and Wes Rouse, MYB President.

Rouse; Senior Class President Jeff Overley, First National Bankers Bank; Sam street; and MBA President Mac Deaver.

Cummings, Cadence Bank, N.A.; Kirby During the graduation ceremony, Keith, Community Bancshares, Inc.; and MacKenzie Parker, Bank of Anguilla, Sam Mars, The Citizens Bank of Philadelreceived the Donald L. Moak Achievephia. Members of “Prestige Worldwide” ment Award for achieving the highest were Alan Denny, Community Bank, academic honors in the 2017 class. This Coast; Mason Dixon, Trustmark National award is given by the MBA Education Bank; Anna Langham, Mechanics Bank; Foundation. Parker was also awarded Nayarda Robison, The Peoples Bank, a first-year scholarship to the Graduate Biloxi; and Kaila Timbs, First American School of Banking at LSU. National Bank.

Teams of graduating students were recThe 49th session of the MSB will be ognized for the top-performing “banks” conducted April 8-14, 2018, on the Uniin the BankExec Simulation competition. versity of Mississippi campus. For more The two winning teams were “Greater MS information, please contact Amy Davis at Bank” and “Prestige Worldwide.” Memthe MBA by telephone at (601) 948-6366 bers of “Greater MS Bank” were Natasha or by email at adavis@msbankers.com.

Braxton, PriorityOne Bank; Katie Brum-

“Greater MS Bank” Bank was a winner in the BankExec Simulation.

The bank’s team was (L to R): Sam Mars, Natasha Braxton, Sam Cummings, Katie Brumley and Kirby Keith.

14

THE MISSISSIPPI BANKER

BankSim winner “Prestige Worldwide” was managed by (L to R): Anna Langham, Kaila Timbs, Mason Dixon, Alan Denny and Nayarda Robison.

MS School of Banking THE MISSISSIPPI BANKER

2017 Mississippi School of Banking Graduating Class Bank of Anguilla - Kit McCoy, Mackenzie Parker Bank of Yazoo - Tina Ingram BankPlus - Dawn Casaus, Shinita Payton Cadence Bank, N.A. - Samantha Cummins Citizens Bank & Trust Company - Trey Pritchard The Citizens Bank of Philadelphia - Sam Mars Citizens National Bank of Meridian - Je Overstreet Community Bancshares of Mississippi - Kirby Keith Community Bank - Monica Cook, Drew Evans Community Bank, North Mississippi - Josh Newsom Community Bank, Coast - Alan Denny Community Bank, Ellisville - Stephen Garrett Copiah Bank - Carolina Smith Farmers & Merchants Bank - Kimble Wilbanks First American National Bank - Brandi Maxwell, Kaila Timbs First National Bankers Bank - Jackie Brown, Katie Brumley, Brittany Pepe

FNB Oxford Bank - Natalie Camp Guaranty Bank & Trust Company - Addison Lawrence Hancock Bank - Taylor Backstrom, John Freeman Mechanics Bank - Kena Dunn, Anna Langham, Kim Mathis, Tiany Reed Peoples Bank, Mendenhall - Jason Smith, Jim Todd Pike National Bank - Gail Etheridge Planters Bank & Trust Company - Andrew Whalen PriorityOne Bank - Natasha Braxton, Tim Coulter Regions Bank - Kristy Daniels Renasant Bank - Rose Guevara, Will Robbins The Peoples Bank, Biloxi - Nayarda Robison, Nick Rosetti, Aaron Shankland Trustmark National Bank - Mason Dixon, Tena Hall, Sunshine Lawrence

MAY/JUNE 2017

15

8

MBA Professional Development

Webinars

Training opportunities at your convenience

MONDAY, JULY 10

Loan Structure, Documentation and Compliance 1:30 - 3:30 p.m.

WEDNESDAY, JULY 26

WEDNESDAY, JULY 19

THURSDAY, JULY 27

Best-Compliance Checklists for Consumer Loans 1:30 - 3:30 p.m.

TUESDAY, JULY 11

Dealing with Subpoenas, Summonses, Garnishments, Tax Levis, Etc. 10:00 a.m. - 12:00 p.m.

Introduction to Compliance Risk Assessments 10:00 a.m. - 12:00 p.m.

New 2018 Residential Loan Application 1:30 - 3:30 p.m.

SSN, EINs, and ITINs: Understanding our Job as a Withholding Agent 1:30 - 3:30 p.m.

WEDNESDAY, JULY 12

Annual Compliance Training for Commercial Lenders 10:00 a.m. - 12:00 p.m.

Opening Minor Accounts 1:30 - 3:30 p.m.

THURSDAY, JULY 13

THURSDAY, JULY 20 ATM Cashout Scam 10:00 a.m. - 12:00 p.m.

Alert! Regulation CC Final Amendments Affecting Check Clearing 1:30 - 3:30 p.m.

Small Creditor Revisions, ATR & QM Requirements 10:00 a.m. - 12:00 p.m.

Corporate Account Takeover - Latest Cases 1:30 - 3:30 p.m.

FRIDAY, JULY 14

Vital Check and Deposit Issues Questions Answered 10:00 a.m. - 12:00 p.m.

FRIDAY, JULY 21

ACH Origination 10:00 a.m. - 12:00 p.m.

MONDAY, JULY 24

Current Expected Credit Losses (CECL): How to Calculate and Maintain a Proper Allowance 1:30 - 3:30 p.m.

TUESDAY, JULY 25 TRID 10:00 a.m. - 12:00 p.m.

MONDAY, JULY 17

OFAC: Risk Assessments, Policy and Procedures 1:30 - 3:30 p.m.

The New SSAE 16 (SSAE 18) - Discover the Impact to Third Party Management 1:30 - 3:30 p.m.

TUESDAY, JULY 18

Flood Insurance for Cancelled Communities 10:00 a.m. - 12:00 p.m.

16

TUESDAY, JULY 18

THE MISSISSIPPI BANKER

WEDNESDAY, JULY 26 Lending to Municipalities 10:00 a.m. - 12:00 p.m.

Advanced Commercial Loan Documentation 1:30 - 3:30 p.m.

Audit Report Writing 10:00 a.m. - 12:00 p.m.

Compliance Perspectives 1:00 - 2:00 p.m.

The Professional Credit Analyst - Part 1 1:30 - 3:30 p.m.

FRIDAY, JULY 28

Increasing Fee Income without Raising Fees 10:00 a.m. - 12:00 p.m.

WEDNESDAY, AUGUST 2 Regulation by Enforcement 10:00 a.m. - 12:00 p.m.

Reg E Compliance - Five Best Practices for Handling Disputes 1:30 - 3:30 p.m.

THURSDAY, AUGUST 3 Phishing Trip 10:00 a.m. - 12:00 p.m.

Residential Construction Lending 1:30 - 3:30 p.m.

FRIDAY, AUGUST 4

Introduction to ACH Part 1 10:00 a.m. - 12:00 p.m.

For MBA webinars, please visit www.msbankers.com/ calendar-of-events or call (601) 948-6366

129th Annual Convention was 'The Reel Deal' Mississippi bankers travel to Sandestin for annual reunion

Over 670 Mississippi bankers, banking associates and their families attended the 2017 convention to honor outgoing MBA Chairman Frank Sibley of Citizens Bank & Trust Co, in Marks. The 2017 MBA Convention was held at the Sandestin Golf and Beach Resort in Destin, FL. The theme of this year’s convention, ‘The Reel Deal’ saluted Sibley's love of movies and his being "the real deal" in community banking.

The convention featured a trade show comprised of 60 exhibitors, three general sessions, golf tournament, spouse program and daily social and recreational events.

General session speakers included Dr. Ed Seifried, banker Jill Castilla, ABA Chairman Dorothy Savarese, political analyst Fred Barnes and ICBA Vice

Chairman Preston Kennedy. At the annual business session, Jerry Host, Trustmark National Bank, Jackson, was elected MBA Chairman for 2017-18, and officers and directors were elected (see page 18 for more information).

At the convention’s Annual Banquet, outgoing Chairman Sibley was honored with presentations from his bank, Citizens Bank & Trust Co., Marks, and the MBA. Entertainment was provided by The Tip Tops.

Major sponsors of this year’s convention were Trustmark National Bank, Federal Home Loan Bank of Dallas, FNBB Mississippi and FNBB Capital Markets, and Stockett & Thomas.

Chairman Frank Sibley addresses the opening session of the 129th MBA Convention.

Incoming MBA Chairman Jerry Host accepts the gavel from Frank Sibley.

Spouse Committee members who led the spouse program and brunch honoring Kay Sibley, wife of MBA Chairman Frank Sibley. L to R: Kim Haynes, Becky Taylor, Ethlyn Mortimer, Kay Sibley, Nelle Pritchard (chair) and Tracye Anderson MAY/JUNE 2017

17

MBA Convention ‘The Reel Deal’ THE MISSISSIPPI BANKER

General Session speakers draw large crowds During MBA Convention During this year’s MBA Convention, the general session speakers drew large crowds each day. On Thursday, Dr. Ed Seifried addressed convention participants providing an informative outlook on the 2017 economy. After Dr. Seifried, Jill Castilla captivated bankers with her presentation of how she managed the turnaround of her Oklahoma bank.

The general session on Friday featured ABA Chairman Dorothy Savarese, who provided a Washington update. The Weekly Standard editor and Fox News contributor, Fred Barnes, also presented at the convention. He spoke on the current political landscape.

On Saturday, ICBA Vice Chairman Preston Kennedy joined the convention to address bankers on how the ICBA is working in D.C. for regulatory relief.

In addition, several Mississippi officials addressed the convention. These included Attorney General Jim Hood, Secretary of State Delbert Hosemann, Insurance Commissioner Mike Chaney, Chairman of House Banking Committee Hank Zuber, Chairman of Senate Banking & Finance Committee Rita Parks, and Department of Banking and Consumer Finance Commissioner Charlotte Corley.

Dr. Ed Seifried provides convention participants with a current economic forecast.

Jill Castilla shares the story of managing her Oklahoma bank's turn-around.

ABA Chairman Dorothy Savarese gives a ‘Washington Update’ at the convention.

Fred Barnes breaks downs the current political landscape in America during Friday's general session.

MBA officers, board members elected During the Annual Convention, the MBA membership elected the following bankers to serve as association officers for 2017-18 and to serve as members of the MBA Board of Directors.

CHAIRMAN

Shannon Aker, Bank of Brookhaven, Brookhaven

VICE CHAIRMAN

Shane Clayton, First Choice Bank, Pontotoc

Mary Childs, The Peoples Bank, Ripley

TREASURER ICBA Vice Chairman Preston Kennedy shares with bankers how ICBA is working for reg relief.

18

BOARD OF DIRECTORS

Jerry Host, Trustmark National Bank, Jackson

THE MISSISSIPPI BANKER

Greg McKee, The Citizens Bank of Philadelphia, Philadelphia

Alan Hargett, Planters Bank & Trust Co., Indianola Gee Gee Patridge, BankPlus, Ridgeland

Danny Whalen, Cleveland State Bank, Cleveland

MBA Convention ‘The Reel Deal' THE MISSISSIPPI BANKER

Winners of the annual golf tournament were (from left) Linda Neely, Joe Neely, Kris Mangum and Curt Jones.

(L to R): Greg and Beck Taylor learn more about Equias Alliance from James Taylor during the Trade Show.

(L to R): Tracye Anderson, CSBS President John Ryan, and Andy Anderson enjoy the 129th annual convention.

MBA Chairman Frank Sibley and other attendees from Citizens Bank & Trust Co., Marks

Trustmark bankers and spouses pose for a photo after the Trustmark National Bank Party. (L to R). Jerry and Olivia Host, Duane and Saundra Dewey, Harry Walker, Kim Dubuisson, Mark Lewis, Barry Planch, Becky and Art Stevens and Ben Aldridge.

Frank 'The Reel Deal' Sibley welcomes everyone to convention.

ABA Chairman Dorothy Savarese and MBA Chairman Sibley pose for a photo following her presentation during Friday's general session.

MAY/JUNE 2017

19

During the Annual Banquet, MBA Chairman Sibley gave his closing remarks prior to introducing the new chairman.

2016-17 MBA officers (L to R): Vice Chairman Jerry Host, Chairman Frank Sibley, Treasurer May Childs and President Mac Deaver

Annual Banquet

2017-18 MBA Chairman Jerry Host presents Frank Sibley with his plaque for being 2016-17 MBA Chairman.

Everyone danced the night away and thoroughly enjoyed the evening’s entertainment provided by The Tip Tops.

(L to R): Frank and Kay Sibley and Susan and Jimmy Brown enjoy the annual banquet festivities.

20

THE MISSISSIPPI BANKER

Peyton Self presented MBA Chairman Frank Sibley with a gift from Citizens Bank & Trust Company and the MBA.

MBA Convention ‘The Reel Deal’ THE MISSISSIPPI BANKER

Past Chairman Attending the 2017 Convention were: First Row (from left): Bobby Martin, Vance Witt, George Marx, Frank Sibley, Freddie Bagley and Joel Clements.

Second Row (from left): Fred Miller, Bill Sones, Buddy Prestridge, Odean Busby, Huey Townsend, Jimmy Clayton and Greg Taylor.

Members of the 2017-18 MBA Board of Directors attending the convention included: First Row (from left): Mac Deaver, Greg McKee, Jerry Host, Mary Childs and Frank Sibley.

Second Row (from left): Shannon Aker, Danny Whalen, Eddie Hammond, George Marx, Andy Anderson, Mark Tapp and Michael Dudley.

Board members not pictured: Hoppy Cole, Arthur DuCote, Moak Griffin, Frank West, Steve Gresham, Dan Rollins, Shane Clayton, Alan Hargett and Gee Gee Patridge.

S��� T�� Da��!

2018 MBA ANNUAL CONVENTION Sibley Family

May 9-13

Above: Chairman Frank Sibley attends the annual banquet with his family. Front Row (L to R): Preston Russell, Gina Russell, Christy Sibley and Trace Russell. Second Row (L to R): Kip Russell, Frank Sibley, Kay Sibley and Taylor Sibley.

MAY/JUNE 2017

21

MBA Convention ‘The Reel Deal’ THE MISSISSIPPI BANKER

Convention silent auction raises over $13,000 for MBA Education Foundation The MBA held its second annual silent auction to benefit the MBA Education Foundation at the MBA annual convention. The silent auction was conducted in conjunction with the Trustmark National Bank reception on Thursday evening. The auction offered over 50 items up for bid and raised more than $13,000 for the Education Foundation.

The success of this event was due in large part to the generous donations given by numerous businesses from across the state. A full list of those who made donations to the auction are listed below. "The Foundation would like to express our sincere gratitude to every person, bank and organization who supported the event," said Jerry Host, Foundation president. "The silent auction would not have been a success without the generosity of the bankers and individuals."

Through the continued support of MBA member banks and bankers, the Foundation continues to be able to support financial

literacy education throughout Mississippi. Plans are that the Silent Auction will continue to be a fundraising event at future conventions.

The Education Foundation awards seven scholarships each year to bankers and college and high school students totaling $15,500. In addition, the Foundation supports financial literacy efforts throughout the state. Through contributions and events like the silent auction, the foundation is able to continue to meet its goal of generating funding that will allow Nelle Pritchard peruses items up for bid at the Silent for the enhancement of existing programs Auction to benefit the Education Foundation. and for the creation of new ones.

For more information about the MBA Education Foundation, please contact MBA Education Foundation Secretary/Treasurer Mac Deaver at mdeaver@msbankers.com.

For more information regarding the Silent Auction, please contact Gail Sykes, gsykes@ msbankers.com.

Thank you to the companies and firms listed below for helping make the Silent Auction benefitting the MBA Education Foundation a huge success!

Albriton's Apple Annie's Bank of Anguilla Batte Bridal Registry Blackledge Face Center Bobby Martin Family Carter Jewelers Cindy Prince Art Circle Seven Citizens Bank & Trust Co., Marks Courtyard by Marriott Dillards Divine Jewels by Taylor Elite Optical Farmer's Table Cooking School Ginger Turner Grand Hotel Marriott Hilton Sandestin Beach Golf Resort & Spa 22

THE MISSISSIPPI BANKER

Janet Love Lushbaugh Art Kay Watts Fine Art Key Neville Whitehead Loews Madison Hotel Longleaf Plantation Maison Weiss Marshall Ramsey Martha Harrell Mary Beth Smith Designs Melissa P. Neville Mississippi Bankers Association Municipal Art Gallery Parlor Market Peter's Pottery Pine Cone Renaissance Portrait Studio Robert St. John Sandestin/Interior Spaces Shades

Shapley's Skin the Spa. Runnels Center Southern Traditions Spectrum Resorts Table 100 The Graduate The Olive Branch The Purple Parrot The Rouge The Wash House Restaurant Tico's Steakhouse Trustmark National Bank Turkoyz

University of Southern Mississippi Van Atkins Jewelry Van's Sporting Goods Wolfe Studio Wren & Ivy/Persnickety

MBA Officers and Board of Directors 2017-18 CHAIRMAN

VICE CHAIRMAN

Jerry Host Trustmark National Bank Jackson

TREASURER

Mary Childs The Peoples Bank Ripley

Greg McKee The Citizens Bank of Philadelphia Philadelphia

Preceding Chairman

Retiring Chairman

At Large

At Large

At Large

Frank Sibley Citizens Bank and Trust Co. Marks

George Marx Copiah Bank Hazlehurst

Arthur DuCote Regions Bank Jackson

Gee Gee Patridge BankPlus Ridgeland

Dan Rollins BancorpSouth Tupelo

Group 2

Group 3

Group 1

Group 2

Mark Tapp Farmers & Merchants Bank Booneville

Steve Gresham Bank of Holly Springs Holly Springs

Frank West First Security Bank Batesville

Group 1

Shane Clayton First Choice Bank Pontotoc

Group 3

Group 4

Alan Hargett Planters Bank & Trust Co. Indianola

Moak Griffin Danny Whalen Cleveland State Bank BankFirst Financial Services Columbus Cleveland

Group 7

Group 8

Shannon Aker

Hoppy Cole The First Hattiesburg

Group 4

Group 5

Group 6

Eddie Hammond Bank of Winona Winona

Michael Dudley The Commercial Bank DeKalb

Andy Anderson Bank of Anguilla Anguilla

Bank of Brookhaven

Brookhaven

MBA Staff

Mac Deaver President

Amy Davis Sr. Vice President Operations

Gordon Fellows Sr. Vice President Govt. Relations

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Gail Sykes Business Manager

Sherell Taylor Manager of Ins. Services

Rachel Chew Manager of Communications

MAY/JUNE 2017

23

60-Year Club Bankers inducted Into MBA’s 40-, 50And 60-Year Clubs, To recognize Their service to Mississippi banking

Ellen Cole receives her 60-Year Club certificate presented by her son, Hoppy, CEO of The First, A National Banking Association, and MBA board member.

A number of Mississippi bankers were recognized at the MBA Convention for their long service to the Mississippi banking industry.

Banks are encouraged to submit photos of their 40-, 50-, and 60- Year Club recipients for publication in future issues of this magazine.

50-Year Club

40-Year Club

Bill Freeman of Newton joined the association’s 50-Year Club, recognizing his half century in banking.

Bankers recognized at the convention for 40 years in Mississippi banking were (L to R): Weldon Aultman, Mike Staten, Fred Eakes, Susan Herrington and Mike Boren.

24

THE MISSISSIPPI BANKER

Sixty-Year Club Inductees Ellen Cole, The First, A National Banking Association

Fifty-Year Club Inductees Elizabeth Crane, First State Bank, Waynesboro Carolyn Faust, FNB Oxford Bank Bill Freeman, BankFirst Jean Fulton, The Citizens Bank of Philadelphia Marion Gardner, The Citizens Bank of Philadelphia Patricia G. Gillespie, BankPlus Jackie Hester, The Citizens Bank of Philadelphia

Macy Mack, First State Bank, Lucedale Jerry Maxey, Community Bank North Mississippi William D. McKellar, Tallahatchie County Bank Paula Prysock, Community Bank North Mississippi Melinda Smith, Community Bank, Ellisville Ruth Young, First American National Bank

Forty-Year Club Inductees Valerie Adams, Trustmark National Bank Wonna A. Alexander, Trustmark National Bank Linda Ashmore, Planters Bank & Trust Co. David Weldon Aultman, Planters Bank & Trust Co. Kandye S. Bailey, Renasant Bank Ann Barton, Regions Bank Terry Berryhill, BancorpSouth Mike Boren, Citizens Bank & Trust Company Teresa Bowen, Peoples Bank, Mendenhall Randy Burchfield, BancorpSouth Debbie Carr, Hancock Bank Darrail Davenport, Planters Bank & Trust Co. Faye Davis, Citizens Bank & Trust Company Fred Eakes, Mechanics Bank Willis Frazer, Planters Bank & Trust Co. Robert C. “Bobby” Geno, Renasant Bank Vivian Gordon, Trustmark National Bank Connie Hawkins, First Security Bank Ann Haynie, BNA Bank Jackie Henson, The Peoples Bank, Biloxi Susan Herrington, PriorityOne Bank Peggy Howell, Regions Bank Cindy Jacobs, Hancock Bank Stuart R. Johnson, Renasant Bank Charles M. Kelly, Trustmark National Bank Barbara F. Kent, Cleveland State Bank

Rebecca M. Kidd, First Choice Bank Michael A. King, Trustmark National Bank Myra Lancaster, Bank of Yazoo Diane D. Lindsey, First Choice Bank Pamela Watson Lindsey, Charter Bank Thomas C. Maynor, First State Bank Donald McCarver, BancorpSouth Michael W. McClellan, Magnolia State Bank Cindy McGarrh, Regions Bank Florence E. McLin,Trustmark National Bank Kathy W. Moore, Trustmark National Bank Linda H. Naron, Cleveland State Bank Mary Clare Royals, BancorpSouth Denise A. Sanders, Trustmark National Bank Mary Jo Scott, Trustmark National Bank Gayle Sharp, The Citizens Bank of Philadelphia Diantha “Dandy” Smith, Merchants & Marine Bank Robert H. Spaulding, Trustmark National Bank James D. Spinks, The Commercial Bank Mike Staten, BNA Bank Jeanine Steele, Bank of Holly Springs Ronny Stricklen, BancorpSouth Betty Jo Strong, BancorpSouth Carl Ware, Bank of Walnut Grove Barbara Washington, Bank of Anguilla Debbie Wolfe, Hancock Bank MAY/JUNE 2017

25

Bankers on the Move

THE MISSISSIPPI BANKER

BankPlus Lee Hardy has been promoted to Vice President in the bank's Flora Banking Center. He is a graduate of the Mississippi School of Banking and the Graduate School of Hardy Banking at LSU. Hardy has 12 years of banking experience.

BNA Bank Tyler Basil has been promoted to Business Development Officer. He is a graduate of Mississippi State University with a bachelor's degree in finance. Basil has been with Basil BNA Bank for over one year.

Della Brewster has been promoted to Vice President, Loans and Business Development. She is a graduate of Louisiana State University with a bachelor's degree in sciBrewster ence. Brewster is also a graduate of the Graduate School of Banking at LSU and the Southeastern School of Commercial Lending. She has been with BNA Bank since 2012.

Kay Darling has been promoted to Vice President, Internal Auditor. She is a graduate of Northeast Mississippi College and the University of Mississippi with a bachelor's Darling degree in business administration. She has 26 years of banking experience.

26

BNA Bank Andrew (Drew) Stewart Dodds has been promoted to Business Development Officer. He is a graduate of the University of Mississippi with a bachelor's degree in business Dodds administration.

Tina Orman has been promoted to Assistant Vice President, Mortgage Loans. She is a graduate of Itawamba Community College and the University of Mississippi with a bachOrman elor's degree in business administration. Orman has been with BNA Bank for 16 years.

Matt Purvis has been promoted to Business Development Officer. He is a graduate of Northeast Mississippi Community College and the University of Mississippi with a Purvis bachelor's degree in banking and finance and managerial finance.

Purvis has been with BNA Bank for over two years.

Bob Spencer has been promoted to Executive Vice President, Chief Financial Officer. He is a graduate of the University of Mississippi with his bachelor's degree in Spencer accounting. Spencer is a Certified Public Accountant and has been with BNA for 30 years. He previously served as a councilman for the Mississippi Young Bankers.

THE MISSISSIPPI BANKER

BNA Bank Witt Spencer has been promoted to Assistant Vice President, Finance.

He is a graduate of the University of Mississippi with his bachelor's and master's degree in acSpencer countancy. Spencer joined BNA Bank in January.

Mike Staten has been promoted to Executive Vice President, Business Development and Public Relations. He is a graduate of Northeast Mississippi Community College and Staten the University of Mississippi with a bachelor's degree in banking and finance. Staten is a past president of the Mississippi Young Bankers and has been with BNA bank for 39 years.

Community Bancshares, Inc. Tina Gadd has joined Community Bancshares, Inc., as the Assistant Vice President of Deposit Administration. She is moving from the Community Bank, Ellisville, Gadd office. Gadd has 19 years of banking experience.

Drew Hardin has been promoted to Assistant Vice President - Advertising for Community Bancshares, Inc. He received his bachelor's of business administration degree in Hardin marketing from Mississippi State University. Hardin has over six years of advertising experience.

Bankers on the Move

THE MISSISSIPPI BANKER

Community Bancshares, Inc.

Community Bank, Coast

Natalie Latham has been promoted to Senior Vice President/Director of Marketing for Community Bancshares. She is a graduate of Mississippi State University with a Latham bachelor's of business administration degree in marketing. Latham has been with Community Bank for 12 years and currently serves on the MBA Communications Council.

Henry Fox has joined Community Bank's Pascagoula office as Senior Vice President. He is a University of Southern Mississippi graduate with his bachelor of science Fox degree and master's degree in business administration. Fox is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He has over 38 years of banking experience.

Molly Martin has been promoted to Marketing Officer for Community Bancshares. She is a graduate of Mississippi State University with a bachelor of business administration Martin degree in marketing with a minor in communications. Martin has been with Community Bancshares for one year.

Thomas Truhett has been promoted to Loan Officer within the Small Business Administration Department. He graduated from the University of Mississippi with a bachTruhett elor's degree of accountancy. Truhett has been with Community Bank for four years.

Katie Warren has been promoted to Assistant Vice President - Human Resources. She earned her bachelor of science degree in business administration from Mississippi College.

Warren Warren has been with Community Bank for 15 years.

Darnell McCormick has joined Community Bank's D'Iberville office as Senior Vice President. She is a graduate of Mississippi Gulf Coast Community College, the Mississippi McCormick School of Banking and Vanderbilt University's Commercial School of Banking. McCormick has over 32 years of experience.

Community Bank, North MS Andy R. Young has been named Senior Vice President in Community Bank's Southaven office.

He is a graduate of FreedHardeman University with a bachelor's degree in agYoung riculture business and a graduate of the Mississippi School of Banking. Young has over 17 years of banking experience.

First Security Bank Will Fleming has been promoted to Loan Officer.

He graduated from the University of Mississippi with a bachelor’s degree in business administration and the Mississippi School Fleming of Banking. Fleming has been in banking for over 10 years.

Guaranty Bank & Trust Co. Doug Capps has joined Guaranty Bank's mortgage department as Mortgage Loan Officer.

He gained professional mortgage designations through his time in the Capps Military Police Corps.

Sh e l l y Ca p p s h a s joined Guaranty Bank's mortgage department as Mortgage Operations Manager. Capps previously served as a financial and accounting specialist Capps in the Army.

Turner Lloyd has joined Guaranty Bank as a Relationship Banker at the Cleveland office.

Lloyd earned his bachelor of business administration degree from Delta State Lloyd University.

Mechanics Bank Charlie Edwards has been named Vice President. He earned a bachelor of science degree in business and finance and a master's of business administration degree from Belhaven College. Edwards is also a graduate of the Mississippi School of Banking and the Commercial and Consumer Lending Institutes. He has been with Mechanics Bank since 2010.

MAY/JUNE 2017

27

Bankers on the Move

THE MISSISSIPPI BANKER

Planters Bank & Trust Co. Watson Cook has joined Planters Bank as Branch Manager in Inverness. He received his bachelor's of business administration degree at Delta State University in Cook general business.

Dianne Giachelli has been promoted to Branch Officer for the Leland office. She is a graduate of Mississippi Delta Community College. Giachelli has been with Planters Giachelli Bank since 2011.

Angela "Angie" Hawes has been promoted to Operations Officer/ Credit Administration.

She is a graduate of Mississippi Delta Community College. Hawes is CDIA Hawes certified as a FCRA Data Furnisher.

Christopher Lewis has been promoted to Operations Officer/Electronic Banking. He earned a bachelor of science degree in business administration from Mississippi Valley Lewis State University. Lewis has five years of banking experience.

Charlotte Michael has been promoted to Branch Officer for the Greenwood office. Michael has seven years of banking experience.

Michael 28

Planters Bank & Trust Co. Kerie Signa has been promoted to Branch Officer for the Leland office. Signa has 13 years of banking experience.

Signa

Trustmark National Bank Christie Allen has been promoted to Audit Officer. She earned a master of accountancy degree and a bachelor of accountancy degree from the University of MissisAllen sippi. Allen is a Certified Public Accountant and has three years of combined banking and audit experience.

PriorityOne Bank Raland Burks has been promoted to Lamar Division President. He holds a bachelor's degree from the University of Southern Mississippi. Burks is also a graduate of the AmeriBurks can Bankers Association Graduate School of Trust and the Graduate School of Banking at LSU. He has over 20 years of banking experience.

Renasant Bank Ryan Jenkins has been promoted to Vice President/Internal Audit Manager.

He attended the University of Mississippi, graduating with a bachelor's and master's degree in accounting. Jenkins also attended the Cannon Financial Institute Trust Audit School and received several certifications including Certified Public Accountant, Certified Internal Auditor and Certified Information Systems Auditor. He joined Renasant Bank in 2012.

Russell Johnston has joined Renasant Bank as Corporate Relationship Officer.

He earned a bachelor of science degree in business finance from North Carolina University and a master's of business administration degree from the University of South Carolina. Johnston also attended the South Carolina Banker's School.

THE MISSISSIPPI BANKER

Clinton Brooks Aycock has been promoted to Vice President. He earned a master of business administration degree and a bachelor of business administration degree with a concentration in finance from Delta State University. Aycock completed the Mississippi School of Banking.

He has 15 years of banking experience and is a Certified Treasury ProfessionalÂŽ.

Brian Burcham has been promoted to Information Technology Officer. He earned a bachelor of science degree in electrical engineering from Mississippi State University. Burcham has 29 years of computer networking experience.

Chad Carmichael has been promoted to Appraisal Review Officer. He earned a bachelor of science degree in business administration and biology from Mississippi College. Carmichael has eight years of combined banking and real estate experience.

Kayla Christman has been promoted to Credit Officer. She earned a master's degree of professional accountancy and a bachelor's degree of accountancy from Mississippi State Christman University. Christman has three years of banking experience.

Trustmark National Bank Mason Dixon has been promoted to Assistant Vice President. He earned a master of business administration degree and a bachelor of science degree in business administration Dixon from Mississippi College.

Dixon is also a graduate of the Mississippi School of Banking. He has six years of banking experience.

Torrey Gibson has been promoted to Information Technology Officer. He earned a bachelor of science degree in computer engineering from Mississippi State University. Gibson has 15 years of experience in database administration.

Julie Hall has been promoted to Assistant Vice President. She earned a bachelor of science degree in business administration and a master of business administration Hall degree with a concentration in finance from Mississippi College.

Hall has five years of banking experience.

Adam Hargett has been promoted to Vice President. He earned a bachelor of business administration from Mississippi State University.

Hargett has 10 years of Hargett banking experience.

Ryan Henderson has been promoted to Assistant Vice President.

He earned a bachelor of Business Administration degree with a concentration in finance from Henderson Mississippi State University. Henderson has 12 years of banking experience.

Trustmark National Bank Mary Hill has been promoted to Information Technology Officer. She earned a bachelor of science degree in computer science from the University of Southern Mississippi.

Hill Hill has over 26 years of experience in information technology.

Chris Hollis has been promoted to Senior Vice President at Trustmark's Mc C o m b o f f i c e . He earned a bachelor of business administration degree with a concentration in Hollis marketing from Mississippi State University and a bachelor of science degree with a concentration in management information systems from the University of Southern Mississippi.

Hollis has 20 years of banking experience and is a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He previously served as a councilman for the Mississippi Young Bankers.

Tammy B. Lewis has been named Compliance Officer. Lewis has more than 30 years of combined banking, retirement planning and compliance experience.

Lewis

Lee Moore has been promoted to Vice President. He attended Hinds Community College.

Moore has 27 years of banking experience.

Moore

Steve Padgett has been promoted to Assistant Vice President. Padgett has 30 years of banking experience, specializing in mainframe computer operations.

Trustmark National Bank Trey Petro has been promoted to Information Technology Officer. He earned a bachelor of science degree in business administration with a concentration in Information Petro Technology from Colorado Technical University. Petro holds a Mississippi Property and Casualty license and has nine years of combined banking and technology experience.

Laura Ryan has been promoted to Assistant Vice President at Trustmark's Cedar Lake office.

She earned a bachelor of science degree in business from the University Ryan of Southern Mississippi.

Ryan has over nine years of banking experience.

Will Shurtle has been promoted to First Vice President. He earned a master of business administration degree and a bachelor of science degree in business administration Shurtleff from Mississippi College.

Shurtle has 13 years of banking experience and is a graduate of the Mississippi School of Banking.

Kevin White has been promoted to Audit Officer. He earned a bachelor of business administration degree with a concentration in finance from Mississippi State University White and received a certificate of accounting from Mississippi College.

White has seven years of combined banking and audit experience.

MAY/JUNE 2017

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MBA Classified Ads

THE MISSISSIPPI BANKER

Below is a brief description of each position listed in the online MBA Job Bank. For the full description of each position, please visit: http://www.msbankers.com/mba-job-bank AVAILABLE OPPORTUNITIES ACH OPERATIONS MANAGER:

Cadence Bank is seeking to hire an ACH Operations Manager in Starkville. Interested candidates must have a minimum of at least 5 years of relevant ACH processing and experience supporting back office payment systems and a minimum 5 years of people management and/or leadership experience. Preferred AAP or willing to obtain certification. Interested candidates may contact Nicole Lee by email at Nicole.lee@cadencebank.com or by calling 205-820-9585.

CHIEF LENDING OFFICER: A

commercial bank in South Mississippi is seeking a Chief Lending Officer (CLO) to join their team. Position may require an advanced degree and at least 10 years of direct experience in lending. Candidates may submit resumes to rchew@msbankers.com.

HEAD TELLER: The First, A National

Banking Association, is seeking a Head Teller. Candidates must possess a high school diploma or general education degree (GED) or one to two years related experience and/or training. Interested candidates may submit resumes to Pam Petterman at ppetterman@thefirstbank. com.

BANK EXAMINER: The Depart- HUMAN RESOURCE GENERALment of Banking and Consumer Finance IST: A commercial bank in South Misis seeking someone to fill the position of bank examiner. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resumes to sam. hubbard@dbcf.ms.gov.

BANK OPERATIONS POSITION:

Local state bank in Meridian area seeks applicant for full time position within the Bank Operations Department. Applicant should have working knowledge of Microsoft Office Word and Excel products. Experience within the banking industry and/or bookkeeping experience is preferred. Interested candidates should submit resumes to rchew@msbankers. com.

30

sissippi is seeking a Human Resource Generalist to join their team. Candidates may submit resumes to rchew@msbankers.com.

INTERNAL AUDIT TEAM LEAD:

BancorpSouth is seeking an Internal Audit Team Lead. Interested candidates must have a Bachelor's degree in Business, Finance, Accounting, or related field and 3 to 4 years of experience in a financial institution. Prefer CPA, CIA or any other relevant certifications, a plus. Candidates may submit resume and application by clicking on Career Opportunities at this link: www.Bancorpsouth.com/MyBXSCareer.

THE MISSISSIPPI BANKER

INTERNAL STAFF AUDITOR: Ban-

corpSouth is seeking an Internal Staff Auditor. Interested candidates must have a Bachelor’s Degree in a Business related field (i.e. Accounting; Banking and Finance; Business) AND at least 2 years’ experience in bank auditing or auditing associated with an external accounting firm; Prefer at least 4 years’ experience.

Candidates may submit resume and application by clicking on Career Opportunities at this link: www.Bancorpsouth. com/MyBXSCareer.

IT STAFF AUDITOR: BancorpSouth is seeking an IT Staff Auditor. Interested candidates must have four year College Degree and prior experience (4-5 years) in IT auditing or technology related field. Candidates may submit resume and application by clicking on Career Opportunities at this link: www.Bancorpsouth. com/MyBXSCareer.

LENDING ASSISTANT COMMERCIAL REAL ESTATE: BankPlus,

Ridgeland, Mississippi, is seeking an experienced Lending This position requires two years prior lending assistant experience. To apply, please visit https://www. bankplus.net/About/Careers/CareerOpportunities/

LOAN ADMINISTRATION STAFF MEMBER: A community bank in

central Mississippi is seeking a Loan Administration staff member. College degree preferred, or experience in banking processes, preferred experience in Loan Administration. Must have a high degree of confidentiality. Candidates may submit confidential resumes to rchew@ msbankers.com.

LOAN OFFICER: Bank in Jackson

area seeks Loan Officer with the experience and ability to generate and service commercial and consumer loans. Candidates may submit resumes to rchew@ msbankers.com

MBA Classified Ads

THE MISSISSIPPI BANKER

LOAN OFFICER – SPILLWAY: This

position requires an Associate Degree and five years banking or finance and loan origination experience. Prefer commercial loan experience. Knowledge of principles and methods for showing, promoting and selling products or services. Interested candidates my apply by visiting, www.BankPlus.net.

MANAGER/SENIOR CREDIT ANALYST: Merchants & Marine Bank

has an immediate need for a Manager/Senior Credit Analyst position at our Main Branch in Pascagoula. A minimum of 5 years' experience in credit underwriting and analysis is required. For consideration, please submit resume to Sheryl Wolfe (Sheryl.Wolfe@MandMBank.com) or Lauren Germany (Lauren.Germany@ MandMBank.com).

MARKETING CONTENT POSITION: This position will be responsible

for creating, improving and maintaining marketing content, which include bank-

ing, insurance, mortgage and wealth management products and services. Interested candidates must have four-year degree in Communication, Marketing, English or similar field. Interested candidates may submit their resume to rchew@msbankers.com.

MORTGAGE LOAN ORIGINATOR: The Citizens Bank of Philadelphia

is seeking a Mortgage Loan Originator for a branch location in Hattiesburg. Prior experience in mortgage loan origination is required. Please submit resumes to hr@ tcbphila.com.

TRUST ASSOCIATE: A community

bank in central Mississippi is seeking a Trust Associate. College degree preferred or banking and/or experience in Trust Operation and Administration. Must have a high degree of confidentiality. Candidate needs to have a thorough understanding of General Accepted Accounting Principles.

Candidates may submit confidential resumes to rchew@msbankers.com.

SEEKING OPPORTUNITY GRADUATE SEEKING BANKING OPPORTUNITY – Upcoming graduate seeking to obtain a position in banking in the North Mississippi/Oxford area. Will graduate in May from Mississippi College with a Bachelor of Science degree in finance. This individual has a cumulative GPA of 3.9/4.0, is a Presidential Scholar with Distinction and has previous work experience in the financial industry as a Financial Representative. During time at Mississippi College, this individual competed on a private firm valuation team, served as Student Government Association Treasurer, member of the Campus Activities Board, served as President of the Civitan Men’s Service Club and served as a Welcome Week Leader as a part of the Association of Student Leaders. Contact Rachel Chew, MBA Manager of Communications, at rchew@msbankers.com for this individual’s resume.

2017 Mississippi Bankers Association Program Partners

MAY/JUNE 2017

31

American Bankers Association THE MISSISSIPPI BANKER

A Do-Something Washington

By Rob Nichols, American Bankers Association President and CEO

Partisanship in Washington in recent years has led some to believe that Congress doesn’t “do” collaboration anymore. One party’s gain is seen as the other’s loss, making deals hard to come by.

But many bankers who came to Washington in March for ABA’s Government Relations Summit and other meetings got a slightly different vibe from the policymakers they met with. Yes, some members of Congress predictably held firm against significant changes to the Dodd-Frank Act. Yet others, informed – and perhaps worn down – by bankers’ true stories of how over-the-top rules were harming their customers were positive about the possibility of finally doing something for community banks.

There’s a similar realistic yet optimistic attitude behind an effort by the two leaders of the Senate Banking Committee – Chairman Mike Crapo (R-Idaho) and Ranking Member Sherrod Brown (DOhio) – to identify legislative changes that could help spur economic growth. They won’t pursue changes they don’t believe in, of course, but both see an opportunity to find and pursue common ground.

These encouraging signs are made all the more hopeful by administration officials who have proactively reached out to community banks to learn what rules are acting as roadblocks to growth.

In March, President Trump invited nine community bankers to the White House for a roundtable discussion of the industry’s regulatory challenges.

Though the bankers represented institutions with different business models, operated in different parts of the country and were affiliated with different national trade associations (six were part of ABA’s delegation; three were with the Independent Community Bankers of America), there was remarkable alignment in our policy positions and priorities.

The same can be said for the follow-up 32

Mnuchin following the meeting – are what’s right for America’s banks and the communities they serve. The white papers (which can be found at www.aba.com/executive-orders) articulate how regulation in areas like capital, liquidity, fair lending and stress testing can be improved. They were informed by the deliberations in recent years of bankers who serve on our many councils and working groups and who represent banks of different business models and asset sizes. Solutions born of such diverse perspectives are always stronger by ensuring that they make sense for all banks.

Given how intent this administration is about using banks to spur growth, and given the interest Congress has shown in providing some community bank regulatory relief, having strong solutions with unified industry backing could just make something happen in Washington again. meeting that Treasury Secretary Steven Mnuchin held with 16 community bankers in April. That’s where the secretary made clear how serious the administration was about helping banks perform their critical role in promoting economic growth. And it’s where we dug into the specifics of issues related to mortgage, agricultural and commercial lending, as well as Consumer Financial Protection Bureau rules that are ill-tailored for community banks. There again, ABA and ICBA members were side-by-side, advocating practical solutions.

Such alignment is critical to success in Washington. I’ve said before that Washington has enough challenges without trying to legislate issues on which an industry is divided. Policymakers up and down Pennsylvania Avenue are interested in addressing our problems – so long as we can agree on the best solutions.

And I am confident that the solutions we have proposed – as detailed in white papers ABA shared with Secretary

THE MISSISSIPPI BANKER

© 2017 American Bankers Association. All rights reserved. Reprinted with permission.

HOW TO CONTACT US REGARDING A CLASSIFIED AD: Contact Amy Davis, MBA, P.O. Box 37 Jackson, MS 39205.

(601) 948-6366. adavis@msbankers.com For more information on The Mississippi Banker Classified Ad Policy, please visit MBA’s website, www.msbankers.com.

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