Page 1




Are you struggling to find time to focus on the most important thing — your customer?

HORNE CAN HELP HORNE has a team dedicated to serving financial institutions with services including loan review, regulatory compliance assistance, internal audit, board strategic planning, mergers and acquisitions assistance, forensic accounting, federal and state tax planning, information technology review, along with external audit and tax compliance. HORNE is more than a service provider – we are respected partners and trusted advisors who make a difference for our clients and the communities we serve. 601.326.1000

For more information, contact Partner Hans C. Pettit, CPA, at








1 0 2 0 H I G H L A N D C O L O N Y P A R K W A Y, S U I T E 4 0 0 , R I D G E L A N D , M S 3 9 1 5 7 Š 2012 HORNE LLP




The official publication of the Mississippi Bankers Association


Chairman H. Gregory Taylor, Holly Springs Vice Chairman Odean Busby, Magee Treasurer Freddie Bagley, Brandon President McKinley W. Deaver, Jackson

BRITTANY MARTINt Editor Volume 97 t Number 3 t November/December 2012


BOARD OF DIRECTORS Terms Expiring 2013 John Herrod, Jr., Okolona Cam Tyler, Water Valley George Shackelford, North Carrollton James Threadgill, Tupelo Terms Expiring 2014 Pat Biglane, Natchez/Vidalia, La. Randy Randall, Indianola Hugh Tate, New Albany Bryan Thornhill, Greenwood Max Yates, Ridgeland Terms Expiring 2015 Mary Childs, Ripley Bill Freeman, Newton Brad Jones, Meadville Lorann Paige, Bay Springs Alan Walters, Jackson Ex-Officio Members H. Gregory Taylor, Chairman, Holly Springs Odean Busby, Vice Chairman, Magee Freddie Bagley, Treasurer, Brandon Carl J. Chaney, Retiring Chairman, Gulfport Joel C. Clements, Preceding Chairman, Waynesboro

STAFF President ............................... McKinley W. Deaver Senior V.P., Operations.........................Amy Davis V.P., Government Relations.......... Gordon Fellows Director of Education........................ Wendy Jones Director of Communications........... Brittany Martin Accounting/Insurance Administrator ................................... Michel Dean Executive Assistant .......................Lori Richardson Administrative Assistant................ Brooke McCoy

YOUNG BANKERS SECTION President....................... Hue Townsend, Belzoni Vice President.................Matt McCraw, Oxford Treasurer................ Michael Schloegel, Gulfport

Former MBA Executive Director Hubbard dies.......................... 9 Board honors his service to Association

State Treasurer addresses bankers .............................................. 10 Lynn Fitch speaks to annual MBA trust conference

Banks support MissBankPAC................................................... 11 MBA political action committee supports candidates

MBA Education Foundation ..................................................... 13 Foundation begins fundraising efforts

Mississippi School of Banking set for April 7-13 ...................... 14 Enrollment opens for banking school

GSB at LSU ............................................................................. 15 2013 session set May 26 - June 7

‘A Banker in Every Classroom’.............................................16-17 Bankers encouraged to promote financial literacy in classrooms across the state

Departments From the President ..............................................................................................................2 Around the State ............................................................................................................. 3-5 Good Neighbors..................................................................................................................6 Classified Ads ......................................................................................................................7 Calendar .............................................................................................................................8 Bankers on the Move................................................................................................... 18-19 American Bankers Association...........................................................................................20 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



From the President


It’s that time of year By Mac Deaver, MBA President

With the arrival of December each year, it always seems that we are busier than ever. In reality, I think the work load is a bit lighter, but balancing work with holiday activities and family time puts a strain on everyone’s schedule. In the middle of all that is going on this time of year, there’s not much time to reflect on the year that is ending – or to look forward to the new one Deaver approaching. It is difficult to make time to express our true feelings to those who really matter to us. I want to thank all of the Mississippi bankers – literally hundreds of you – who helped make 2012 another good year for the MBA. For me, this was my 25th year on the association staff (my 20th as president), and I can honestly say that they have all been good years. And, as always, it was the support and participation of bankers that was the difference. It seems that 2012 went by in a flash. Politics dominated the year as we elected our President, 33 U. S. Senators, and all 435 members of Congress. And when all the votes were counted, there really wasn’t a great deal that changed. The parties that were in control are still in control. And our nation still faces a struggling economy and an uncertain future. As the federal government moves closer to the now-famous “fiscal cliff,” we all wonder what will happen – and what it will mean for all of us. I am proud that, despite the economic conditions and the shaky business climate, our state’s banks continued to fare well this past year. The MBA, always a reflection of its members, fared well also. There were several notable developments for the MBA in 2012. The MBA Education Foundation was established last January by the MBA board to provide support for scholarships and financial literacy. The foundation recently received IRS approval as a public charity and its fundraising efforts are off to a good start. MBA member banks’ financial education activities were boosted by the MBA’s 2

second annual “A Banker in Every Classroom” project which was launched Oct. 29Nov. 2. During that one week, bankers and teachers made presentations to over 12,000 students in Mississippi! And we continued to maintain our banker education program. Our two sponsored banking schools – Mississippi School of Banking and the Graduate School of Banking at LSU – enjoyed excellent enrollment and support. The MBA group insurance program continued to grow and prosper. And, along the way, we worked to improve existing programs and services. An example was the reinvention of the MBA Associates program – now known as the MBA Affiliates program. This expanded program allows non-bank entities to increase their involvement in the MBA. We thank the over 100 firms who have signed up to be MBA Affiliates! Of course, government relations is always a major focus of our association. This past year, while the wave of regulations continued to grow, MBA member bankers gave tremendous support to lobbying events in both Jackson and Washington – including our annual Washington Visit in September. In August, Gordon Fellows joined the MBA staff as vice president for government relations. And earlier in the summer, we welcomed a new state banking commissioner, retired Mississippi banker Jerry Wilson. A great example of Mississippi banks working together in 2012 was the overwhelming response to the proposed Basel III capital rules. A majority of MBA banks participated in a series of conference calls


and submitted comment letters to the federal bank regulators. Our association worked with our Congressional delegation and all six Mississippi Senators and Representatives signed a joint comment letter supporting our state’s community banks. The regulators received a record number of comments and, as a result, are now rethinking their proposals on bank capital. Of course, the MBA’s primary mission is to build and maintain sound working relationships among all Mississippi bankers. By doing this, we position our association to work effectively for the common good of our industry. This past year, under the leadership of Carl Chaney and Greg Taylor, we maintained a high level of banker involvement. As a result, we were able to make a difference! Just as it is impossible to list all of the notable events of the past year, it is impossible to mention everyone who contributed to them. But I want to reiterate my appreciation to each banker who participated in the MBA this year. I also want to give special thanks to our MBA staff – Amy Davis, Gordon Fellows, Wendy Jones, Michel Dean, Brittany Martin, Lori Richardson and Brooke McCoy – who all worked every day on behalf our member banks. We have a great team, and I personally appreciate their good work. Please call on any of them; they are here to serve you! I send best wishes to everyone in the Mississippi banking family for a Merry Christmas and Happy New Year.

Merry Christmas

from the Mississippi Bankers Association

Around the State


John Hairston Elected to ABA Board of Directors

Gulfport banker joins Huey Townsend as second Mississippi banker on 29-member panel For the first time ever, two Mississippi bankers are serving together on the Board of Directors of the American Bankers Association. John Hairston, CEO and COO of Hancock Holding Company, Gulfport, was elected the ABA Convention in October to serve a three- Hairston year term. He joins Huey Townsend, chairman and CEO of Guaranty Bank & Trust Company, Belzoni, on the ABA’s governing board. Hairston joined Hancock in 1994 as the company’s chief operations officer after serving with Andersen Consulting (now Accenture) to support Hancock’s

implementation of advanced technology innovations. He and Carl Chaney became CEOs of the company in December 2006. Hairston has been very active in both the ABA and the MBA. At ABA, he co-chaired the Dodd-Frank Task Force, among other Townsend leadership roles. At MBA, he has chaired the MBA Legislative Committee on two occasions and is a long-serving member of the MissBankPAC committee. He also currently serves on the faculty of the Graduate School of Banking at LSU. Hairston chairs the Mississippi Gaming Commission, and he was appointed by

Community Bank, Amory, celebrates 100 years On Oct. 26, Community Bank, Amory, celebrated 100 years of service. Customers, friends, and family gathered to celebrate. Brad Stevens, president of Community Bank, Amory, along with Jerry Maxcy, chairman of the board for Community Bank, North Mississippi, and Thomas Colbert, chairman of

the board for Community Bancshares, Inc. spoke at the event. The featured speaker for the event was Congressman Alan Nunnelee. Musical entertainment was provided by the Amory Middle School chorus. A receptions was held immediately following the event.

Jerry Maxcy, Chairman of the Board for Community Bank North MS, Alan Nunnelee, Brad Stevens, President – Community Bank of Amory

Gov. Phil Bryant to chair the governor’s GoCoast 2020 Commission Tourism Committee. He serves as a trustee of the National WWII Museum in New Orleans. Townsend was MBA chairman in 2006 and he served on the administrative committee of the ABA’s Community Bankers Council prior to his election to the ABA board. He is beginning his third year as a member of board. “John has always been a great spokesman and advocate for our industry,” said MBA President Mac Deaver. “His joining Huey on the ABA board continues a great tradition of Mississippi bankers serving in the leadership of the ABA.”

Childs elected president, CEO, COO of The Peoples Bank, Ripley Mary Childs has been elected to serve as president, CEO, and COO of The Peoples Bank, Ripley. Bobby Martin remains chairman of the board. Childs joined The Peoples Bank in 1990, after being employed at the Bank of Mississippi in Childs Corinth for ten years. She is a graduate of Mississippi State University with a degree in banking and finance. She serves on the Mississippi Bankers Association board of directors and the Blue Mountain College board of trustees. She is a board member and past president of the Boys and Girls Clubs of North Mississippi.



Around the State


Patterson retires, Rollins appointed CEO of BancorpSouth James D. Rollins, III has been appointed as chief executive officer of BancorpSouth. Rollins succeeds Aubrey B. Patterson upon his retirement and serves on the bank’s board of directors. Rollins served as president and chief operating officer of Prosperity Bancshares, Inc. in Houston, Texas, since April 2006 and has been a Patterson director of Prosperity Bancshares since October 2006. He served as senior vice president of Prosperity Bancshares from 2001 until 2006, and became president of Prosperity Bank in 2005.


Patterson served as BancorpSouth’s chairman of the board and chief executive officer for 21 years and has been on the board of directors since 1983. Patterson has held numerous positions in professional leadership, including service as chairman of the American Bankers Association, president of the Mississippi Bankers As- Rollins sociation, and as chairman of the Bankers Advisory Council of the Conference of State Bank Supervisors. Patterson has served as chairman of the Community Development Founda-


tion, North Mississippi Health Services, Inc., the Mississippi Economic Council, the University of Mississippi Foundation, CREATE Inc., and the Mississippi Partnership for Economic Development. In 2004, he was appointed to an 11-year term on the Mississippi Board of Trustees of Institutions of Higher Learning.

Mark your calendars! MBA Annual Membership Meeting Jackson, Miss.

January 15, 2013

Around the State


Community Trust CEO named VP of Fed council Community Trust Bank President and CEO Drake Mills has been named vice president of the Community Depository Institutions Advisory Council (CDIAC) for 2013 by the Federal Reserve Board. The Board announced the president, vice president and members of the CDIAC council for 2013 on October 18. The CDIAC advises the Federal Reserve Board on the economy, lending conditions, and other issues facing community banks and other financial institutions. Members are selected from representatives of commercial banks, thrift institutions, and credit unions serving on local advisory councils at the 12 Federal Reserve Banks. One member of each of the Reserve Bank councils serves on CDIAC, which meets twice a year with the Federal Reserve Board in Washington.

The Mississippi Bankers Association congratulates Cynthia Thompson Trustmark National Bank Karmen Brantley Williams BankPlus for being named among the “Leading Business Women in Mississippi” by the Mississippi Business Journal.

Retired banker and Greenville mayor Chuck Jordan dies Chuck Jordan, a beloved member the Mississippi banking family, passed away on Nov. 13 in Greenville. After Jordan retired from Planters Bank & Trust Company, he was elected mayor of Greenville in 2011. He resigned from the position to deal with his illness. Serving the citizens of his hometown was a highlight of Jordan’s life, and he brought great Jordan enthusiasm and innovation to the job. After giving up the mayorship, he continued to work untiringly for his community. Jordan was very active in the MBA for many years, serving as president of Mississippi Young Bankers in 1978. He was a mainstay in the MBA political efforts, bringing his usual enthusiasm to supporting his industry and fellow bankers. A native of Yazoo City, he was the oldest of nine children of Charles A. Jordan and Mabel Norman Jordan. He graduated from St. Clara Academy in Yazoo City and Mississippi State University where he was Mr. MSU and president of the Student Association. He also is a member of Kappa Alpha Order. After graduation, he married Jane Power of Greenwood and they had two daughters, the late Liza Jordan Vaughn (Edward) of Cleveland and Adrian Jordan Love (Walker) of Atlanta. They have four grandchildren – William Thomas Vaughn, Joseph Tyler Vaughn, Elizabeth Caruthers Love and Archer Whitaker Love. In his first employment, he served as executive assistant to the late Owen

Cooper, president of Mississippi Chemical Corporation and executive vice president Harry Griffith prior to joining Delta National Bank in Yazoo City under the guidance of Miller Holmes. After nine years in Yazoo City, he became executive vice president at First Columbus National Bank. After two years he returned to his beloved Delta working with Henry Paris as president of Planters Bank’s Greenville Office. He graduated from a number of banking schools including the Graduate School of Banking of the South at LSU where he served as trustee. He was active in all facets of Greenville from St. Joseph Catholic Church to the various civic organizations where he served as president. He was King of the Junior Auxiliary Ball in 2000. State-wide, he was particularly proud of his long time service to the Mississippi Economic Council, Delta Council, Mississippi Bankers Association, the College of Business at Mississippi State University and Rotary International District 6820 where he was district governor. After retiring from 42 years of banking, Jordan immediately ran for Mayor of Greenville where the citizens of Greenville overwhelmingly elected him with two third of the votes cast. Serving as Mayor for a short nine months, the citizens of Greenville have united and made remarkable progress in revitalizing Greenville. In lieu of flowers, the family asks that any memorial should be sent to St. Joseph Catholic Church, 412 Main Street, Greenville, MS 38701 or to the Community Foundation of Washington County Youth Programs c/o Planters Bank and Trust Co., PO Box 639, Greenville, MS 38702.



Good Neighbors


First National Bank, Oxford, collects school supplies FNB-Oxford led a Tools 4 Teachers classroom supply drive during the month of August. Employees and customers donated school supplies specifically requested by local elementary teachers. Five elementary schools in Oxford benefitted from over 650 items collected. Each of the five schools also were awarded $120 each in gift cards to a local office supply store.

Regions associates “build the best team” through Build-A-Bear In September, Regions Bank launched its "Building the Best Team" internal employee initiative designed to highlight the bank's commitment to building the best team in

banking. As part of the initiative, Regions associates participated in a variety of team building activities and other motivational training exercises. Will Loftin, Regions' consumer

Guaranty Bank & Trust Company donates pumpkins to support cancer research

banking executive in South MS, recently challenged Metro Jackson branches to "Build the Best Bear," working through the local BuildA-Bear Workshop store. Teams, consisting of participating branch employees, were challenged to "Build the Best Bear" by working together to select a bear and the clothing of their choice. A total of 50 Build-A-Bears were created and donated to the Mississippi Highway Patrol, who in turn presented them to children, who have been in a car accident or suffered other trying circumstances. Regions' Fondren branch won the "Best Dressed Bear" category for their entry, "Barry Banker." Pictured left to right: Odis Easterling (Mississippi Highway Patrol), Will Loftin, Jan Thornton (Regions Fondren branch) and James Walker (Mississippi Highway Patrol).

Guaranty Bank & Trust Company donated 20 pumpkins for art students at St. Aloysius Catholic School to decorate as part of their grading system and to raise money for cancer research. The carved and finished pumpkins were placed on display at the bank’s Vicksburg office for the public to view and bid on the pumpkin of their choice. All proceeds were donated to Susan G. Komen Breast Cancer Foundation. Pictured with students are (left) Lester Tzotzolas, senior vice president, and (right) William Kemp, branch president. 6


MBA Classified Ads


INFORMATION TECHNOLOGY ADMINISTRATOR: North Mississippi bank seeks experienced Information Technology Administrator. Position directs all computer and communications activities for the financial institution which includes: planning, developing, and directing systems analyses and operation of the equipment of in-house electronic data processing system; developing and recommending procedures, objectives, and policies for data processing and computer activities; supervising all computer project scheduling, upgrades, backups, and related activities; installing computer equipment, peripheral devices, communications devices, and software and troubleshoots operation of these installations; administering automated systems which deliver service to customers, such as telephone systems, phone teller systems, and internet banking systems; designing, installing, and maintaining local area networks and wide area networks as needed; maintaining awareness of legal and regulatory standards and regulations as they relate to data processing, item processing and electronic communications and scheduling third party reviews as needed to ensure compliance. Candidates should possess a bachelor’s degree in Information Technology with 5-10 years experience in a financial institution with working knowledge of Microsoft Desktop Operating Systems, Microsoft Server Operating Systems, My SQL Database, Linux, Novell OES, i5 OS, and Oracle Database. Equal Opportunity Employer If interested, please forward resume in confidence to at the MBA. LOAN REVIEW OFFICER: A bank headquartered in north Mississippi is seeking a reviewer for its Loan Review Department. The applicant should have a bachelor’s degree in a banking-related field and a minimum of 5 years of supervisory, loan review, or commercial lending experience. The applicant must possess a knowledge of commercial credit underwriting, collateral and credit documentation, and applicable regulatory requirements. Please submit resumes in confidence to the Mississippi Bankers Association.


Contact Brittany Martin, MBA, P.O. Box 37, Jackson, MS 39205. (601) 948-6366.


FOR MBA MEMBERS: Classified advertising will be placed in The Mississippi Banker magazine for association member institutions free of charge. The magazine reserves the right to reject any ad or to change or limit the wording of any such ad. Typically, these ads will be for positions open. Other ads, such as sales or purchases of equipment or other property, will also be accepted. FOR PERSONS SEEKING POSITIONS IN BANKING: Classified advertising will be placed free of charge in The Mississippi Banker for any applicant seeking employment with a Mississippi bank, provided that the position sought is an officer level position and the applicant, as judged by the editor, is a legitimate candidate for the position sought. The magazine reserves the right to reject any ad, to limit or change the wording of any ad, or to limit the period of time the ad will be carried. OTHERS: No classified ads will be sold to non-members, including MBA associates.

COMPLIANCE AUDITOR: A North Mississippi bank has an opening for the position of Compliance Auditor. The applicant must have a bachelor’s degree in a banking-related field, a minimum of five years experience in the review of consumer compliance regulations, excellent verbal and written communication skills and knowledge of all Microsoft office products. Compensation is commensurate with experience. Please forward resume and cover letter to CUSTOMER SERVICE REPRESENTATIVE/TELLER (FLOWOOD): The Citizens Bank of Philadelphia is seeking a CSR/Teller for our Flowood Location. The position will process new account transactions and assist customers in their selection of various accounts and services. The position will actively seek to sell and cross-sell the bank’s services to new and existing customers whenever appropriate and keep informed of changes in the bank’s services and procedures. This position will also be responsible for conducting appropriate teller transactions and be able to answer basic customer questions concerning interest rates, service charges and account histories while complying with federal disclosure requirements. Candidates must have previous experience as a Customer Service Representative or Teller in an FDIC Insured Financial Institution, as well as exhibit excellent communication and computer skills. Candidates should also possess good customer service skills and/or a background in sales. We provide a wide range of employee benefits and compensation commensurate with experience. Please submit resumes to or fax to 601-389-1132.

SYSTEM ADMINISTRATOR: A north Mississippi bank is seeking an experienced System Administrator. This position will handle administration of the Desktop Applications and Application Servers, setting up new users per policy and standards, installation of desktop and application server software, and provide support for technical OS and application problems that cannot be handled by the first line help desk support person. Interested applicants must possess a Bachelor’s degree (B.A.) from a four-year college or university, and three to four years related experience; the ability to pass a Motor Vehicle Record inquiry; the ability to maintain a valid driver license and a good driving record; the ability to install and configure network hardware including but not limited to Network Printers, Routers, Servers, Switches, Workstations and Uninterruptible Power Supplies; the working knowledge of Microsoft Desktop Operating Systems, Microsoft Server Operating Systems, Citrix, VMware, Databases (SQL, Sybase, Pervasive), and Cisco Operating Systems. If interested, please forward resume to forward resume in confidence to bmartin@ BANKER SEEKS NEW CHALLENGE WITH OPPORTUNITY: Experienced former market president for system banks in central MS seeks position of leadership. Offering decision-making, supervision, and commercial lending ability. Growth challenges welcomed! Contact at the MBA for this banker’s resume.



MBA Calendar


December 17....................................................................................................... Focus on CRE Appraisals: Part II - Nuts & Bolts, Webinar December 20.............................................................................................................................2012 Lending Compliance Update, Webinar January 15, 2013.......................................................................................................................Annual MBA Membership Meeting, Jackson March 12-17, 2013 ................................................................................................Mississippi Young Bankers Convention, Point Clear, Ala. April 7-13, 2013 ........................................................................................ Mississippi School of Banking, University of Mississippi, Oxford May 15-19, 2013 ..............................................................................................Mississippi Bankers Association Convention, Sandestin, Fla. May 26 - June 7, 2013 ..............................................................Graduate School of Banking at Louisiana State University, Baton Rouge, La. For more information, visit or contact Wendy Jones, director of education at

experience ideas Work face to face with one of our approximately 180 professionals focused on financial services, and experience round-the-clock commitment to ideas that help you improve performance, reduce risk, lower costs and stay in compliance. Learn more at Bob Shearer | Lance Davis Jackson 601.948.6700

experience 8


Former MBA Executive Director John R. Hubbard Dies at 77; Board resolution commends his life of service, friendship John R. Hubbard, who served the Mississippi Bankers Association as its sixth executive director from 1970 to 1984, died on October 4 at the age of 77. Hubbard was a native of Jefferson Davis County but moved to Jackson at an early age. He graduated from Central High School and later earned a degree from Millsaps College, where he was a member of Pi Kappa Alpha fraternity and president of the Senior Class of 1956. W h i l e attending Millsaps, he began work- Hubbard ing for Deposit Guaranty National Bank and thus launched a career in banking that would span four decades. He worked as a correspondent officer for DGNB before moving to Meridian and joining Citizens National Bank, Meridian. As a young banker, he became involved in the MBA and industry affairs, most notably serving as secretary of the Junior Bankers Section in 1962 through 1964 and serving as an officer of the Meridian chapter of AIB. He joined the MBA in 1966, serving as assistant director under long-time executive director Leigh Watkins. Shortly after joining the association staff, Hubbard graduated from School of Banking of the South (now Graduate School of Banking at LSU). He later would attend the American Society of Association Executives Advanced School. He was a veteran of the United States Marine Corps. As MBA executive director, Hubbard oversaw a number of advances for the association, including the construction of a new headquarters office in 1984. He also served as chairman of the board of trustees of the School of Banking of the South and as president of the Southern Conference of State Bankers Associations. Among his other civic and community activities included service as president of the board of trustees of Jackson Academy, president of the Capital City Petroleum

Club, president of the Friends of Educational Television and Public Radio in Mississippi, a member of the advisory board of St. Dominic Memorial Hospital, a member of the board of directors of the Jackson Chamber of Commerce, a member of the board of directors of The Salvation Army, a member of the board of directors of the Mississippi Museum of Art, and a member of the Newcomen Society in North America. In his later years, Hubbard organized and operated Hubbard Insurance Services, LLC. He was a longtime member of Covenant Presbyterian Church in Jackson, where he served as an elder. He is survived by his wife, Jamie Rowsey Hubbard; his son, John Reed Hubbard, Jr. and wife Jo of Brandon; his son, James Samuel (Sam) Hubbard of Madison; his daughter, Virginia Ann (Ginger) Newsom and husband Les of Oxford; four grandchildren, Maggie Hubbard and Anna Grace, Caroline and Luke Newsom; his sister, Bobbye and brother-in-law Billy

Shaw Howell of Davidson, N.C.; sister-inlaw Joy Hubbard of Baton Rouge, La. and many nieces and nephews. In its fall meeting on October 4, the MBA Board of Directors adopted a resolution commending the life of John Hubbard and saluting his service and friendship to so many in the Mississippi banking community. The Board resolution concludes: “Therefore, be it resolved by the Board of Directors of the Mississippi Bankers Association that, on behalf of the membership of the Association and the entire Mississippi banking family, we commend the life of John R. Hubbard and express appreciation for his friendship and support of Mississippi banks and bankers throughout his life and career as a Mississippi banker, and we express heartfelt sympathy to his family upon his passing.� Memorials may be made to Reformed University Ministries, 1700 N. Brown Road, Suite 104, Lawrenceville, GA 30043 or Covenant Presbyterian Church, 4000 Ridgewood Road, Jackson, MS 39211.

Hubbard and his wife, Jamie, were honored at a reception given by the MBA upon his departure from the Association in 1984.



Legislative Update


Treasurer Lynn Fitch addresses MBA Trust Conference On November 1-2, bankers gathered in Jackson for the annual MBA Trust Conference featuring two days of seminars. Mississippi Treasurer Lynn Fitch was the featured speaker, giving an economic outlook for the coming year and updates from treasurer’s office. Other speakers included Mississippi College School of Law Dean Jim Rosenblatt, Regions Bank Senior VP Mark Blackwell, Rick Calhoun of Crews & Associates, and Tony Fadool and Linda Drussel of Federated Investors. After the first day of workshops, bankers were treated to cocktails and dinner sponsored by Taylor Auction and Realty and Federated Investors, respectively. Exhibitors included Broadridge Financial Solutions, Inc., Crews & Associates, Main Street Advisors, and Taylor Auction & Realty.

Representative Zuber elected vice chairman of Conference of State Legislators Committee Representative Hank Zuber of Ocean Springs has been elected vice chairman of the Communication, Financial Services and Interstate Commerce Committee of the National Conference of State Legislators. The CFI Committee has a broad jurisdiction that includes banking, insurance, securities and other financial services Zuber issues; electronic commerce; interstate commerce and taxation of electronic transactions; telecommunications; Internet and information technology issues. The committee is responsible for a variety of issues critical to state legislatures. Zuber is the chairman of the Banking and Financial Services Committee in the Mississippi House of Representatives. 10

MBA Trust Committee Chairman Jack McFerrin of BancorpSouth presided over the conference.

Above: Treasurer Fitch

State Treasurer Lynn Fitch greets bankers.

Right: (L) Mississippi College School of Law Dean Jim Rosenblatt and (R) MBA Trust Committee Chairman Jack McFerrin of BancorpSouth

Basel III implementation delayed On Friday, November 9, the nation’s banking regulators announced they would delay the implementation of the proposed Basel III capital rules that were initially set to go into effect in January of 2013, and no new implementation date has been given. The regulators cited an overwhelming number of comments and complaints from both bankers and lawmakers. Agencies are in the process of reviewing banker


comments, and continued Congressional hearings are expected in 2013. The MBA will continue to monitor Congressional any Congressional action that might occur regarding Basel III in the new year. Many thanks to all the banks in Mississippi that were involved in writing comment letters to the regulators and Congress. We believe that our voice has been heard.

The Mississippi Banker is required by the U.S. Postal Service to print the Statement of Ownership each year:

Legislative Update


49 banks give support to MissBankPAC in 2012 At the core of the MBA’s government relations program is MissBankPAC, the MBA-sponsored political action committee that raises funds and makes contributions in state legislative and judicial campaigns and U.S. Senate and Congressional races. A committee of bankers runs MissBankPAC, working to make it the voice of the Mississippi banking industry in the political process. Leslie Usher of Meridian currently serves as chairman of MissBankPAC. Thanks to the 49 banks - listed below - that contributed to MissBankPAC in 2012. For more information on MissBankPAC, contact Gordon Fellows, MissBankPAC treasurer, at the association office by telephone at (601) 948-6366 or by email at

First State Bank, Waynesboro Great Southern National Bank Guaranty Bank & Trust Company Hancock Bank M&F Bank Mechanics Bank Merchants & Farmers Bank Merchants & Planters Bank Newton County Bank

Peoples Bank & Trust Company Peoples Bank, Mendenhall PriorityOne Bank Regions Bank Renasant Bank Sycamore Bank The First, A National Banking Assoc. The Jefferson Bank Trustmark National Bank

Thank you to the banks who supported MissBankPAC in 2012: B&K Bank BancorpSouth Bank First Bank of Anguilla Bank of Benoit Bank of Brookhaven Bank of Forest Bank of Franklin Bank of Holly Springs Bank of Jones County Bank of Kilmichael Bank of Morton Bank of Winona Bank of Yazoo BankPlus Citizens Bank & Trust Company Citizens Bank, Philadelphia Cleveland State Bank Commerce National Bank Community Bancshares of Mississippi Community Spirit Bank Covenant Bank Desoto Bank Desoto County Bank Farmers & Merchants Bank First American National Bank, Iuka First Commercial Bank First National Bank of Clarksdale First National Bank, Picayune First National Bank, Pontotoc First State Bank

From a young age, we’ve each recognized the value of expertise.

That’s why our professionals monitor accounting changes impacting banks related to Allowance for Loan and Lease Losses (ALLL). And because in business, we all still need partners.


financial institution clients

282 Commerce Park Drive Ridgeland, MS 39157 (601) 853-7050



Calling all bankers: Enlist in MBA grassroots network MBA member bankers are urged to enlist in the association's Contact Banker Network, which will be called on to make contacts with key legislators and other officials on important banking issues. With the Mississippi Legislature and the newly elected Congress set to convene in January, the MBA is seeking to update its database of bank officers, directors and employees who can help us impact legislative and regulatory decisions in Jackson and Washington. We are asking anyone willing to assist us to complete our contact banker network form and return it to us. Effective members of our grassroots network are persons who know particular officials, or know specific issues. This is not always the CEO; it may be a director, another employee, or even a family member of a banker.


Even if you have signed up previously, we would appreciate your sending us your information to assure that our records are up-to-date. The Contact Banker Network form can be found on the MBA web site at On it, you can list your contact


information - and any legislators or officials you would be willing to contact. The form can be accessed by clicking on the black-and-gold CAUTION logo -- pictured above -- on the front page of the MBA site,

Over 6,000 regulations have been written in the past 90 days! Make sure your voice is heard in our government.

MBA Education Foundation begins fundraising effort to support scholarship, financial education programs All bankers are encouraged to contact The Mississippi Bankers Association Ed- as vice president of the foundation. Other ucation Foundation, a non-profit subsidiary board members are Carl Chaney of Gulfport, Deaver to get answers to their questions or to of the MBA formed to promote banker and Matt McCraw of Oxford, Michael Schloegel make a gift. He can be reached by telephone consumer education in the state, recently of Gulfport, Greg Taylor of Holly Springs, at (601) 948-6366 or by email at mdeaver@ began its initial fundJames Threadgill of Tupelo, Hue Townsend raising campaign after of Belzoni and Cam Tyler of Water Valley. it was designated as a MBA president Mac Deaver serves as secreFoundation public foundation by tary-treasurer of the foundation. Internal Revenue SerAfter receiving an initial gift of $51,000 Board of Directors vice. from the Mississippi Young Bankers section, Odean Busby – President “We are excited to the foundation board met recently to adopt PriorityOne Bank, Magee begin working with policies for fundraising and acceptance of Mississippi bankers to gifts. Initially, the foundation is seeking Freddie Bagley – Vice President provide support for the cash gifts to its general fund. Non-cash or Community Bancshares of Mississippi, foundation and its imrestricted gifts are also welcome, subject to Busby Brandon portant mission,” said board approval. The foundation board has MBA vice chairman established five “levels of giving” – ranging Carl Chaney Odean Busby of Magee, who serves as presi- from $5,000 to $50 – and will be recognizHancock Bank, Gulfport dent of the MBA Education Foundation. ing donors at each level. “But gifts in any Busby recently sent a letter to senior execu- amount are appreciated,” Busby pointed out. Matt McCraw tives of all MBA member banks informing “We encourage bankers to consider makFirst National Bank, Oxford them that the foundation has assumed the ing contributions before the end of 2012,” funding and operation of existing programs Busby said. “And we ask them to consider Michael Scholegel which award scholarships and deliver per- putting support of the MBA Education Hancock Bank, Gulfport sonal finance Foundation in training in their bank budGreg Taylor Mississippi. gets for 2014.” “Through the foundation, bankers can Merchants & Farmers Bank, Holly Springs As a 501(c) With his let(3) charitable help continue and expand activities which ter, Busby sent James Threadgill BancorpSouth, Tupelo organization, benefit Mississippi banks, their customers, bankers a Pledge the foundation Card for use in and the communities they serve. “ Hue Townsend may accept making gifts Guaranty Bank & Trust Co., Belzoni tax-deductible and a Fact Sheet - Odean Busby, contributions providing more Foundation President Cam Tyler under federal information on Mechanics Bank, Water Valley and state law. the foundation. “The foundation will continue operat- These documents are available on the MBA ing scholarship programs established by the web site at Secretary-Treasurer: Mac Deaver Mississippi Young Bankers,” Busby said. “And we will be looking for opportunities to enhance these programs.” Also, he said, the foundation will provide support to financial education activities of the MBA, MYB and member banks. “The goal is to provide a stable source of Leadership - $5,000 or more long-term funding for current programs,” Patron - $2,500 to $4,999 Busby said. “Through the foundation, bankers can help continue and expand important Member - $1,000 to $2,499 activities which benefit Mississippi banks, Friend - $500 to $999 their customers, and the communities they serve.” Individual - $50 to $499 Busby chairs a nine-member board of directors which governs the foundation. MBA To learn how you can make a difference through the MBA Education treasurer Freddie Bagley of Brandon serves Foundation, contact the MBA at 601-948-6366.

Education Foundation Giving Levels



Enrollment opens for Mississippi School of Banking MBA’s educational cornerstone set for April 7-13

Registration is underway for the 2013 session of the MBA’s Mississippi School of Banking to be held April 7-13 on the Ole Miss campus in Oxford. The school, established in 1970, provides practicing bankers with an integrated and comprehensive curriculum covering all aspects of banking activity, as well as overall bank management. The School provides a two-year course of study, presented in two one-week sessions. MSB strives to foster academic and social interaction among its students, which is conducive to joint problem solving at the school and in the bank. The curriculum is designed to expose students to all areas of banking operations. For some bankers, graduation from MSB can prepare them for entrollment at a graduate banking school, such as GSB at LSU.

In October, the MSB Board of Trustees, ings association, or a bank regulatory agency; chaired by Mike Webb, CEO of First Ameri- be a high school graduate; be 21 years of age can National Bank, Iuka, met with Dr. Ken or older; and be approved by a senior officer Cyree, director of MSB, and MBA staff to of his or her institution or agency. Applievaluate the school’s curriculum and faculty. cations from MBA member banks are given The Trustees and staff work closely with Dr. priority. Applications for the 2013 session Cyree to assure that MSB provides the best in should be made by February 1. For more information, contact Amy Dainstruction on the most timely and relevant vis, MSB registrar, at (601) 948-6366 or adabanking topices. Students complete home study problems between their first and second years, and second-year students participate in an extensive bank similuation exercise. Application for first- and secondyear students are now being accepted. To be admitted as a first-year student, an applicant must be an employee or director of a commercial or Mississippi School of Banking Trustees meet to prepare for the 2013 savings bank, a sav- session.

Who Will Lead? It’s time to identify the innovators in your bank and invest in their preparation to lead your organization. Since 1950 the Graduate School of Banking at Louisiana State University has educated over 15,000 banking leaders in the industry. Contact us and develop your future managers—today. FOR INFORMATION ON OUR 2013 SESSION:

225-766-8595 14

May 26 -June 7

4273 Highland Road, Baton Rouge, LA 70808-4541


GSB at LSU: A vital resource for Mississippi banks 2013 session set May 26 - June 7; Registration now underway

Since its founding by Mississippi banker Orrin Swayze in 1950, the Graduate School of Banking at Louisiana State University has been a cornerstone of education for Mississippi’s bankers. Of the nearly 15,000 graduates of the school in 63 years, 1,586 have been Mississippi bankers. Many GSB graduates serve in the leadership of the MBA and of dozens of its member banks. At the recent fall meeting of GSB’s Board of Trustees on October 12, the tra- Darnell dition of Mississippi involvement in the school continued as Mississippi bank executives were recognized for their contributions to the school. Tommy Darnell, president of BancorpSouth, Jackson, was recognized for his completing 10 years on the GSB board, including serving as GSB president in 2009-10. Art Stevens, South Region president for Trustmark Bank, Jackson, received an award for his success in marketing the school in the past year. For the second consecutive year, he was recognized as one of the three trustees on the 33-member board for outstanding marketing campaigns in their states. . Darnell, a 1980 graduate of GSB, is the sixth Mississippian to serve as the school’s president. Following the founding president Orrin Swayze, a senior executive with First National Bank of Jackson (now Trustmark), other Mississippi bankers to serve as GSB president were Bob Gaddis, George Schloegel, Harry Walker, Clifton Fowler, and Darnell. Prior to serving as a GSB officer, Darnell served as an appointed Trustee. He continues to serve on the GSB faculty and as a member of the school’s strategic planning committee. Stevens graduated from GSB in 1995. He was appointed as Mississippi’s trustee on the board in 2010. He points out that the school is vital to the education of bank executives. “GSB at LSU continues to be on the cutting edge of our ever-changing industry,” he says. “I cannot think of a better way for the banks of today to train the leaders of tomorrow.” The school’s faculty and curriculum are supervised by Dr. Don Woodland, who has served as director of GSB since 1985. The

curriculum is constantly updated, as Dr. Woodland works with the officers and trustees to make sure that the school is providing meaningful training for today’s banking industry. Likewise, the GSB faculty is evaluated on an ongoing basis. Darnell, who has been a lending case leader on the faculty for seven years, urges bankers to identify their future leaders and send them to LSU. “CEOs have a sense of who are their bank’s future leaders, and it is important to make sure they know Stevens it,” Darnell says. “There is no better way to do this, and to further develop their skills, than to send them to GSB at LSU.” He adds, “You will never regret it and neither will they!” At the fall Trustees meeting, MBA President Mac Deaver was elected vice chairman of the GSB board and will serve a term on the school’s Executive Committee. This will be his second term in the leadership of the school. “It is an honor to serve a school, which is driven by banker

involvement and is focused on training that prepares bankers to succeed in Mississippi,” Deaver said. He noted that many Mississippi bankers and industry professionals serve on the GSB faculty. “Our state’s banking community supports the school because it gives so much back to us,” he added. GSB at LSU is presented in a three-year program, consisting of three two-week sessions on the LSU campus and home study problems for completion between sessions. Deaver points out that the school continues to boast the lowest tuition and the most intense program of any banking school of its kind in the nation. The 2013 session of GSB at LSU will be held May 26 through June 7. Tuition for the 2013 session is $3,845. Deadline to register for the 2013 session is April 19. A complete list of courses and other details are available on the school’s website at www. . Banker can register on the website, or they can do so by contacting the GSB office at (888) 278-0025. Mississippi bankers are encouraged to contact Stevens [astevens@ or (601) 208-7631] or Deaver [ or (601) 9486366].

MBA president Mac Deaver was elected vice chairman of the Board of Trustees of the Graduate School of Banking at LSU at a meeting of the Board held October 12 at Point Clear, Ala. Pictured above (from left) are Deaver; GSB president John Jordan, CEO of Community Bank of East Tennessee, Clinton, Tenn.; GSB past president John Womack, CEO of Arvest Bank, Little Rock, Ark.; and GSB chairman Brad Barrett, president of Tennessee Bankers Association, Nashville, Tenn. NOVEMBER/DECEMBER 2012


“A Banker in Every Governor Phil Bryant proclaimed October 29 - November 2 as “A Banker in Every Classroom Week” in Mississippi. During this week, hundreds of Mississippi bankers joined local teachers throughout the state to present nearly 500 lessons in personal finance to more than 12,000 students in grades K through 12. The Mississippi Bankers Association sponsored this project, which was presented in public and private schools across the state. The project was supported by the Mississippi Council on Economic Education. This was the second year that the MBA sponsored “A Banker in Every Classroom” Week. In its first year, the project resulted in over 50 Mississippi banks sending 308 bankers into classrooms around Mississippi. Mac Deaver, MBA president, says there is a critical need to enhance financial education for the state’s young people. “Bankers and teachers both recognize this need, and this project focuses on getting them together to benefit students in their local schools,” he said. “And this coming week is just the beginning; we want to build relationships that lead to more joint activities throughout the year.” With hundreds of classroom sessions scheduled during the week, and more during the rest of the school year, “A Banker in Every Classroom” is one of the biggest financial education projects in Mississippi schools. Teachers and bankers register separately for the program, indicating preferences for schools and grade levels in their local areas. Then, teachers and bankers were “matched” to form teams to make classroom presentations. Each team is provided age-appropriate personal finance materials. “Sessions cover savings, credit, budgeting, and other specific topics,” Deaver said. “Some may be question-and-answer sessions on personal finance issues, or even a discussion of careers in banking.” He notes that the teachers and bankers will determine the content of all presentations. Congratulations to all bankers and teachers who participated in the second annual “A Banker in Every Classroom” Week! 16


any at st Comp ru T & k n y Ba Jackson of Libert chool in S Stephen n ry to ta rl n a C leme Green E

Dawn Lambert

David Fa rris of Pri orityOne Pelahatc Ba hie Elem entary S nk at chool

ate Bank at of Magnolia St attiesburg Mar y Robinson H in tary School en em El es am Th

Jeff Cousar o

s r vice al Se s i c n ina lumbu rst F nkFi y in Co a B f m wn o cade y Bro ritage A d n A He

Visit to view our full photo gallery.

Amanda Kent of BNA


Bank at New Al bany Elementary Sc

y Classroom� Week

of The First at Picayune Me morial High School

Trustmark n ough of H so y re T and ol in Jack ffin-Smith tary Scho n ri e G m e le a E n Donash imberlaw Bank at T National

of M &F Bank at Oxford Middle School


Jeff Overstreet of Renasant Ba nk at Starkville High School

Brandy Br yant and Christy Morgan of BancorpSouth at First Friends Preschoo l in Tupelo

Ann Gu Our ice of Th Lady e of Fa Peoples tima B Elem ank, Bilo entar x y Sch i at ool

Todd Mixon of the Citizens Bank, Philadelphia at Oak Grove Middle School in Hattiesburg

Susan M Pearm organ of C an Ele le menta veland Sta r y Sch te Ban ool in k Cleve at land

This year, Mississippi bankers collaborated with teachers to present nearly 500 presentations to more than 12,000 students across the state. NOVEMBER/DECEMBER 2012


Bankers on the Move



Community Bank, Ellisville Marcia Reed has been promoted to bank officer in the bank’s Dalton Street office. She attended Bethel College and the University of Minnesota. She has been with the bank for four years.

Jason Bounds has been promoted to assistant vice president and loan officer in Picayune. He is a graduate of the University of Southern Mississippi. Bounds

Gaye Broyles has been promoted to first vice president and commercial sales manager. She has more than 30 years of banking experience. Broyles

Jason Cowgill has been promoted to assistant vice president. He is the graduate of the University of Mississippi and has more than six years of banking experience. Cowgill

Nathan Lucas has joined the bank as trust officer in the bank’s Wealth Management Group. He earned a bachelor’s degree from Auburn University, a master’s degree the University of Alabama-Birmingham, and Lucas he is a graduate of the University of Alabama School of Law. He has more than five years of banking experience.


David Staehling has joined the bank as first vice president and credit department manager in the bank’s administration office. He earned a bachelor’s degree from the University of Southern Mississippi and a Staehling master’s degree Mississippi College. He has more than 20 years of banking experience.

The Citizens Bank, Philadelphia Lynn Graham has been promoted to branch operations officer in Louisville. She has been with the bank since 1990. Bruce Lee has been promoted to branch president in Louisville. He is a graduate of Mississippi State University, the Mississippi School of Banking, and the Graduate School of Banking at Louisiana State University. He has been employed with the bank since 2002.

Community Bank

Uvonda McMurtrey has joined the bank as legal department manager and bank officer. She attended Hinds Community College and has more than 30 years of experience. McMurtrey

Jeff Lacher has joined the bank as vice president in the Hardy Street office. He is a graduate of Mississippi State University. He has more than seven years of banking experience.


Covenant Bank Frandie Young has joined the bank as assistant vice president and branch manager in Southaven. She is a graduate of Shelby State Community College and has more than 26 years of banking experience. Young

First Southern Bank Theodora “Dodie” Singley has been promoted to assistant vice president. She is a graduate of Pearl River Community College and has more than 31 years of banking experience. Singley

Guaranty Bank & Trust Company Diédre Barret has been promoted to vice president. She is a graduate of Delta State University and the American Bankers Association’s Marketing School.



Douglas Neal has been promoted to president of Community Bank in Ellisville. He earned a bachelor’s degree from Mississippi State University and a master;s degree from the University of Southern Mississippi. He is Neal a graduate of the Mississippi School of Banking and has been with the bank since 2006.


Bankers on the Move


Guaranty Bank & Trust Company Andy Lee has been promoted to branch president in Cleveland. He is a graduate of Delta State University, Vanderbilt University’s Southeastern School of Commercial Lending, and the Graduate School of Lee Banking at Louisiana State University. He has more than 15 years of banking experience.

M&F Bank Scott Parrish has joined the bank as senior vice president of M&F Bank’s Pinnacle Private Banking division. He is a graduate of Mississippi College and the Mississippi School of Banking.

Trustmark Bank Lisa Flood has been promoted to vice president. She is currently a corporate trainer. She is a graduate of Mississippi State University.

Florence McLin has been promoted to vice president in Jackson. She is a corporate trainer and a graduate of Jackson State University. Flood

Ashley Harvey-Henderson has been promoted to assistant vice president in Jackson. She is a graduate of Jackson State University and is currently pursuing a master’s degree from Belhaven University. Harvey-


Are your bankers on the move?



The Peoples Bank, Biloxi Paul D. Guichet has joined the bank as vice president of business development. He is a graduate of Tulane University and the Graduate School of Banking at Louisiana State University and has more than 30 years Guichet of banking experience.

Angie Kinder has been promoted to branch officer. She is the branch manager in Fulton. She is a graduate of Itawamba Community College and has more than 14 years of banking experience. Kinder

Send your submissions to Brittany Martin at

Banker joins 40-Year-Club

State Bank & Trust Company Julie A. Dennington has been promoted to assistant vice president of training. She is a graduate of Hinds Community College and has more than ten years of banking experience. Dennington

BancorpSouth’s Marylon Hulsey, statement rendering specialist, receives her 40-Year-Club certificate from Jeffery Jaggers (left), senior vice president and Clyde Hubbard (right), executive vice president. NOVEMBER/DECEMBER 2012


American Bankers Association THE MISSISSIPPI BANKER

Making a Difference Every Day By Gov. Frank Keating, American Bankers Association President and CEO Every year, the fourth Saturday of October is designated Make a Difference Day. This event, which was started in 1992 by USA Weekend magazine, encourages Americans to get involved by helping others through volunteer activities. While one day of volunteerism is a wonderful thing, we know that banks make a difference in their communities every day of the year. We celebrated that fact at the ABA An- Keating nual Convention in San Diego with our Habitat for Humanity Build and our annual Community Commitment Awards. The Habitat build, which is sponsored each year by the ABA Housing Partners Foundation, shines a national spotlight on what banks across the country do locally to support housing. As with so many charitable projects, it was made possible by donations of time, talent and treasures from banks and their employees. More than 100 volunteers on-site wielded hammers, paint brushes and saws to help put a hard-working family in a home to call their own. Bankers building homes may not get the same media attention as foreclosures, but the build helped to demonstrate – to the family, neighbors, mayor and others in that corner of San Diego – how committed the men and women who make up the banking industry are to serving others. That commitment also took center stage – literally – when we recognized five banks with ABA’s new Community Commitment Awards. The awards, a successor to our Community Bank Awards program, honored banks for their achievements in five categories: Affordable Housing; Economic Development; Small Business Lending; and Financial Volunteerism and Philanthropy. This year’s winners were: t %PSBM #BOL  4BO +VBO  1VFSUP 3JDP  for its d Hogares (of Homes) program, which has helped more than 25,000 fami20

lies secure their home. The initiative includes a loss-mitigation program as well as a home donation program, which helps families have or keep a home during tough economic times. t $JUJCBOL  /FX :PSL  /:  GPS UIF Citi Community Development partnership with The WorkPlace to expand its Platform to Employment (P2E) program. Thanks to Citi, the P2E program, which offers counseling, skills assessment and job matching services to put the long-term unemployed back to work, now includes financial recovery training to address the personal finance challenges experienced due to long-term unemployment. t 64 #BOL  .JOOFBQPMJT  .JOO  GPS its Community Restoration Funds established in Milwaukee, Chicago and Minneapolis. This $1 million revolving loan commitment makes capital available to pre-approved neighborhood developers who work as a part of the Neighborhood Stabilization Program. t .POUFDJUP #BOL  5SVTU  4BOUB Barbara, Calif., for its “Banking on our Youth� program in which they partnered with local non-profit organizations and schools to offer expanded financial education classes. Offerings included a sixweek summer financial literacy program for at-risk students and bilingual-parent workshops. t #BOL PG 'FBUIFS 3JWFS  :VCB $JUZ  Calif., for its Happy Landings program, a welcome and orientation program offered six times a year for spouses of mili-

tary members who have recently moved to Beale Air Force Base. The program makes military families feel welcome and introduces local businesses to new customers. Yet another event in October spotlighted banks’ efforts to help their customers and communities succeed: the ABA Education Foundation’s Get Smart About Credit Day, which was Oct. 18. More than 2,300 bankers in 450 communities across the country reached more than 130,000 young adults with critical information about how building good credit habits today will influence their future. To view the list of participating banks, visit I often say that a key indicator of a community’s health and vitality is the presence of a community bank and – most important – community bankers. They’re the ones providing a beacon of hope through their work, their can-do spirit of giving back and their passion for making their communities better places to live. Bankers are the people who make sure – often quietly with little fanfare – that a community’s critical needs are met. Whether it’s supporting affordable housing, educating youth, or partnering with local businesses to build communities, bankers get it done and make a difference. Every day. Reach Gov. Frank Keating by e-mail at Š 2012 American Bankers Association. All rights reserved. Reprinted with permission.

Help spread the good news about banking Traditional banking, like that practiced by our member banks, is all about supporting our state and communities – and making a difference in the lives of our customers. Help us tell this important story. Let us know about your bank’s involvement in civic and community activities. We encourage you to send us information on what you are doing. Please send articles, photos to Brittany Martin, MBA Director of Communications, via email at or mail them to Brittany’s attention at P.O. Box 37, Jackson, MS 39205-0037.



Tebkvlr^obtlohfkdtfqepq^qb)`lrkqv^kajrkf`fm^i^dbk`fbpqlabqbojfkbvlro `ljjrkfqvÒpcrqrob)vlrkbba^kbu`bmqflk^im^oqkbo+Pfk`b/--5)Ark`^k*Tfiif^jp) Fk`+e^prkabotofqqbkjlobJfppfppfmmf_lkafpprbpqe^k^kvlqeboÛoj+>pJfppfppfmmfÒp krj_bolkbrkabotofqbolcjrkf`fm^i_lkafpprbp)Ark`^k*Tfiif^jp)Fk`+fp^pb^plkba) hkltibadb^_ibÛojbumbofbk`batfqe^iilcqebfkp^kalrqplcmr_if`Ûk^k`fkd+Fcvlr ^obillhfkdclo^m^oqkboqe^qe^pj^k^dbalsbo.2--jrkf`fm^ilbofkdplsboqebm^pq Ûsbvb^op)vlrÒaaltbiiqlq^hb^illh^qArk`^k*Tfiif^jp+


printing & direct mail





cross media


creative & innovative solutions

500 steed road • ridgeland, mississippi 39157 • 601.853.7300 • 1.800.844.7301

The Mississippi Banker November-December 2012  
Read more
Read more
Similar to
Popular now
Just for you