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Banker the mississippi

Volume 97 • number 2

october/noVember 2012


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T E X A S


Founded 1889

The official publication of the Mississippi Bankers Association

OFFICERS

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

BRITTANY MARTIN • Editor Volume 97 • Number 2 • September/October 2012

Features

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

Mississippi bankers visit Washington........................................8-9 MBA Chairman Greg Taylor leads annual visit to nation’s capital

MYB hosts Leadership Conference, golf tournament............10-11 Annual events promote consumer education, support scholarships

MBA Standing Committees.................................................12-15 Chairman Greg Taylor announces 2012-13 appointments

40-, 50-year clubs ...................................................................... 17

Bankers recognized for years of service to the industry

‘A Banker in Every Classroom’..............................................18-19 Bankers encouraged to promote financial literacy in classrooms across the state

STAFF President................................ McKinley W. Deaver Senior V.P., Operations..........................Amy Davis V.P., Government Relations........... Gordon Fellows Director of Education......................Wendy Guillot 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

Departments From the President...............................................................................................................2 Around the State..................................................................................................................3 Good Neighbors...................................................................................................................5 Classified Ads.......................................................................................................................6 Calendar..............................................................................................................................7 Bankers on the Move.................................................................................................... 21-23 American Bankers Association............................................................................................24 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

September/October 2012

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From the President

THE MISSISSIPPI BANKER

Elections are important By Mac Deaver, MBA President

It never fails. Every time an election approaches, we begin hearing declarations that “this is the most important election in our lifetime.” This year is no exception. With the presidency and control of Congress hanging in the balance, there are a lot of folks saying that our votes on November 6 will be the most important we will ever cast. For certain, all elections are important. But the impact of a single election can easily be overstated. I have always believed that all qualified citizens should vote in every election. The future of our country, state and com- Deaver munities - indeed our way of life - is determined by the cumulative effect of our votes over time. Without question, the 2012 elections will set the “direction” of our federal government. Just as it happens every four years, the nation’s voters will elect the president, one-third of the membership of the U.S. Senate, and all 435 members of the House. As always, party politics will be the number one factor in how the new Congress will operate. The majority party will choose congressional leaders, who will decide what the priorities will be and how they will work with the president and others in Washington. Likewise, the president’s party affiliation will impact his agenda and focus. In Mississippi, Sen. Roger Wicker is running for election to another term in the U.S. Senate. All four of our state’s U.S. House members - Representatives Bennie Thompson, Gregg Harper,

Alan Nunnelee and Steven Palazzo - also are seek- sell is opposed by Ceola James. Sitting Justice ing re-election. Leslie King is unopposed in his Supreme Court Of course, in Mississippi, we also elect ap- race, as is Judge Gene Fair in his Court of Appellate judges. The persons we choose to sit on peals race. the Mississippi Supreme Court and I encourage everyone take the time to learn the Court of Appeals will have a huge about the candidates and evaluate their positions influence on our state’s future, as they on issues important to you, to your family, your decide how the law community, your business. If applies to all of us. you need assistance in doing On November 6, we While the importance this, please reach out to others will vote to fill four ju- of a single vote can be to get their views. (If the MBA dicial seats - three on can assist you, give me a call.) greatly overstated, the Supreme Court the importance of our And share your thoughts with and one on the Court right to vote cannot be. others in your community, in of Appeals. (One seat your bank, in your family. And, on each court is uncontested.) by all means, go to the polls on Supreme Court Chief Justice Bill Waller, Jr. faces November 6. opposition from state legislator Earle Banks in the While the importance of a single vote can be central district, and Supreme Court Justice Mike greatly overstated, the importance of our right Randolph is opposed by Talmadge Braddock in to vote cannot be. I was first eligible to vote 40 the southern district. years ago, and I have always placed tremendous The Supreme Court race that is gaining the value on this precious right. I have always gone most attention is for an open seat on the court, to the polls on Election Day to cast my ballot. being vacated by Justice George Carlson in the Each time I do this, I find myself focused on two northern district. Candidates in that race are thoughts. First of all, I remind myself that our Oxford attorney Josiah Coleman, grandson of elected officials work for us - not the other way former governor and longtime federal judge J. P. around. This can get lost sometimes in the politiColeman, and Batesville attorney Richard “Flip” cal hoopla of elections. Phillips. This race is drawing a great deal of atAnd I always remember that, over the course tention, inasmuch as the winner could be the de- of our country’s history, many men and women ciding vote on many important decisions by the have given their lives to guarantee the right to vote nine-member court. for all of us. The significance of that cannot be On the Court of Appeals, Judge Ermea Rus- overstated.

Mississippi Senators, Congressmen voice serious concerns over Basel III The federal banking regulators’ proposal to make drastic changes in capital standards for all U.S. banks has drawn critical comment from banks in Mississippi and across the nation. On September 28, the Mississippi Congressional delegation joined a growing list of policymakers voicing concerns over the impact of the proposed rules on consumers, communities and banks in. In a September 28 letter to the Federal Reserve, FDIC and OCC, the six Mississippi lawmakers urge the regulators “to amend the standards to better ensure that they are appropriate to each covered institution’s size, scale and complexity.” 2

The letter expresses serious concerns over the negative impact that the new capital rules could have on availability of mortgage financing. “This is a particular concern in Mississippi,” the letter states, “where local banks can be the only source of affordable mortgage lending in a community. Mississippi banks provide many small mortgage loans that make an enormous difference in the lives of the borrowers, but under terms that would disqualify the loans for sale in the secondary market.” The letter notes that proposed increased “riskweighting” of these loans - requiring that they be backed by additional bank capital - could make such mortgages unavailable.

THE MISSISSIPPI BANKER

The letter argues that a “highly complex, ‘one size fits all approach’ to capital standards” could harm traditional community banks. Such an approach (as included in the proposal), “should be avoided if it would undermine these banks’ viability or lead them to curtail lending activity in already underserved areas,” the letter concludes. Senators Roger Wicker and Thad Cochran, and Representatives Bennie Thompson, Gregg Harper, Alan Nunnelee and Steven Palazzo all signed the comment letter. The MBA has expressed appreciation to all members of the delegation for their unanimous expression of concern over Basel III.


Around the State

THE MISSISSIPPI BANKER

Community Bank, North Mississippi announces new president and CEO Simon Weir has been promoted to president and chief executive officer of Community Bank, North Mississippi and elected to the bank’s Board of Directors. He has been with Community Bank since 1998, most recently holding the title of DeSoto County Division President. This new position entails executive level management of the Communi- Weir ty Bank offices located in: Indianola, Tupelo, Amory, Southaven, Hernando, Olive Branch, and Memphis, Tenn. Active in the community, Weir serves on numerous civic committees and eco-

nomic councils and most recently was appointed by Governor Phil Bryant to the Mississippi State Board of Education. Weir is a graduate of Mississippi State University with a bachelor’s degree in education. He is also a graduate of the Southeastern School of Commercial Lending at Vanderbilt and the Graduate School of Banking at Louisiana State University. “Simon understands our bank’s culture and philosophy and his leadership skills are outstanding,” says Freddie J. Bagley, president and CEO of Community Bank’s parent holding company, Community Bancshares, Inc., “We are looking forward to working with Simon and are very excited about his future and vision for Community Bank, North Mississippi.”

Congratulations to the banks named among “Mississippi’s Best Places to Work” Community Bank Magnolia State Bank Metropolitan Bank

www.bcbsms.com

Get outside and hit the stairs for a fast and fun workout. You don’t need a gym membership or any special equipment to get fit and get healthy. Whether it’s walking, running, biking or dancing, just 30 minutes of activity on most days of the week can lead to a healthier you. be healthy. exercise.

Blue Cross & Blue Shield of Mississippi, A Mutual Insurance Company, is an independent licensee of the Blue Cross and Blue Shield Association. ® Registered Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans.

September/October 2012

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THE MISSISSIPPI BANKER


Good Neighbors

THE MISSISSIPPI BANKER

The First, Hattiesburg, supports United Way Left: The First, A National Banking Association, participated in the 22nd Annual United Way Corporate Challenge supporting the United Way of Southeast Mississippi. The corporate challenge consists of various businesses and organizations competing in tug-ofwar, volleyball, egg toss, long jump, basketball shoot out and other activities. The First was recognized with the Team Spirit Award. The corporate challenge is the kickoff to the annual United Way campaign, which raises funds for 22 nonprofit agencies in the greater Hattiesburg area.

BankPlus presents check to Brandon High School

BankPlus recently presented a $5,000 check to Brandon High School’s B Club, the school’s all sports booster club. The BankPlus donation will be put towards Brandon High School’s new 6,000 square foot weight room. “At BankPlus, we are always willing to give back to our community, especially if our support will benefit area students,” said Michael Kimbrell, BankPlus Rankin County President. Pictured are (L to R) Brad Peterson, athletic director and head football coach at BHS; Michael Kimbrell, BankPlus Rankin County Banking Center President; and Buddy Bailey, principal at BHS.

BankFirst gives bank tour to The Mustard Seed

Above: BankFirst employees recently gave a tour of their bank to The Mustard Seed residents. The Mustard Seed is community of adults in Brandon that have developmental disabilities.

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MBA Classified Ads

THE MISSISSIPPI BANKER

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 bmartin@msbankers.com. 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 eowen@tcbphila.com 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 6

HOW TO CONTACT US REGARDING AN AD:

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

CLASSIFIED AD POLICY - THE MISSISSIPPI BANKER

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.

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 bmartin@msbankers.com. BRANCH MANAGER: A progressive community bank with multiple locations in Central Mississippi has an opening for the position of Branch Manager. The Branch Manager is responsible for overall profitability of the branch by directing sales and business development, managing the branch portfolio, meeting operational objectives, and ensuring the branch achieves its annual goals. Management and leadership duties include: employee development and engagement, ongoing coaching, and performance management. Branch Managers are responsible for building the bank’s presence in the community and for prospecting and enhancing business relationships in their service areas. Please forward resume in confidence to bmartin@ msbankers.com. CREDIT ANALYST II: Ensures a high level of credit quality by providing a wide range of underwriting support, financial and credit analysis services to loan officers with an emphasis on agriculture and commercial credit. Evaluate quality of financial information submitted prior to performing analysis to determine if there is a need for additional

THE MISSISSIPPI BANKER

information. Obtain, review, and summarize all available business and/or personal financial information, as well as credit information on relationships. Prepare credit memos detailing analysis for use by lenders in making credit decisions. Provide lenders with current industry information reports. Monitor various loan reports to obtain updated/current financial information from customers. Monitor compliance and report variances in ratios. Assist in development of resources related to underwriting and credit analysis. The minimum requirement for this position is prior commercial loan credit analysis experience. Prefer that the applicant is currently working in a commercial bank credit department. Experience with spreading software and analyzing financial statements required. Education requirements are five years of experience with a two year degree or two years of experience with a B.A. or B.S. degree in Accounting or Finance. Requires the ability to multi-task; problem solving, strong planning and interpersonal skills; detail-oriented and organized. Requires excellent verbal and written communication skills. Knowledge of proper English and punctuation is necessary. Must possess basic PC skills and have knowledge of all Microsoft office products. Visit www.BankPlus.net to complete the profile for the Credit Analyst II position. COMMUNITY BANK PRESIDENT: A North Mississippi bank has an opening for a community bank president position. This person must possess strong community leadership, lending, business development and branch administration skills. Compensation is commensurate with experience. If interested, please forward resume to bmartin@ msbankers.com.


MBA Calendar

THE MISSISSIPPI BANKER

October 15...................................................................................................Opening Deposit Accounts: Business Accounts: Part 1, Webinar October 16............................................................................................................... Commercial Real Estate Loan Documentation, Webinar October 17...............................................................................................................................................Lending to Municipalities, Webinar October 18.................................................. New CFPB Proposed Changes: Part 1 - Regulations X & Z: Mortgage Servicing Rules, Webinar October 25.................................................................. New CFPB Proposed Changes: Part 2 - Regulations B & Z: Appraisal Rules, Webinar October 29................................................................................................... Opening Deposit Accounts: Personal Accounts: Part 2, Webinar October 29............................................................................................................................................ “A Banker in Every Classroom� Week November 1-2................................................................................................................................. Trust Conference, Hilton Hotel, Jackson November 1...................................... New CFPB Proposed Changes: Part 3 - Regulation Z: Loan Originator Compensation Rules, Webinar November 5................................................................................................................Introduction to Commercial Lending: Part 1, Webinar November 7...................................................................................................................................... Security Seminar, Hilton Hotel, Jackson November 9......................................................................................................................Emerging Trends in Payments Processing, Webinar November 19.............................................................................................................................Introduction to Commercial Lending: Part 2 For more information, visit www.msbankers.com or contact Wendy Guillot, director of education at wendy@msbankers.com.

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

September/October 2012

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MBA Washington Visit THE MISSISSIPPI BANKER

Mississippi bankers travel to Washington for annual visit In September, MBA Chairman Greg Taylor led a group of more than 30 Mississippi bankers to our nation’s capital for the association’s annual Washington Visit. The group had productive meetings with the Federal Reserve, FDIC, OCC, CSBS, and Consumer Financial Protection Bureau (CFPB).

Attendees were briefed on pending industry-related legislation and the overall political environment by the American Bankers Association. During this meeting, Chairman Taylor also presented ABA with a check from MissBankPAC that will be used to support Mississippi candidates in the November Congressional elections.

Later, our delegation visited Capitol Hill and met with Senators Cochran and Wicker; Congressmen Nunnelee, Thompson, Harper, and Palazzo; and Congressman Spencer Bachaus, Chairman of House Committee on Banking.

Left: (L to R): Mississippi Bankers Association Treasurer Freddie Bagley of Community Bank, Vice Chairman Odean Busby of PriorityOne Bank, and Chairman Greg Taylor of Merchants and Farmers Bank present a check for BankPac to ABA's Senior Vice President Gary Fields.

Below: MBA Chairman Greg Taylor and MBA President Mac Deaver visit with Debbie Shannon of ABA.

Below: John Ryan, president and CEO of the Conference of State Bank Supervisors (CSBS), addresses Mississippi bankers.

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THE MISSISSIPPI BANKER


MBA Washington Visit THE MISSISSIPPI BANKER

Senator Roger Wicker

Senator Thad Cochran

Jeremiah Norton, FDIC board member

Left: Jonathan Fink, assistant director of bank activities and structure at the OCC, and Beverly Cole, senior advisor to SDC for mid-size/community bank supervision. Cole is a Mississippi native.

Thanks to our 2012 MBA Washington Visit participants: BancorpSouth Michael Booker James Threadgill Bank of Anguilla Fred Miller Bank of Brookhaven Shannon Aker Bill Sones Bank of Forest Gene Walker Bank of Franklin Brad Jones

Concordia Bank & Trust Company John Mark Williams

Mississippi House of Representatives Hank Zuber

Farmers & Merchants Bank John Haynes

Peoples Bank, Mendenhall Dennis Ammann

First American National Bank Mike Webb

Planters Bank & Trust Company Alan Hargett

First Commercial Bank Alan Walters

PriorityOne Bank Odean Busby Fountaine McNair

Guaranty Bank & Trust Company Hue Townsend Huey Townsend

Bank of Kilmichael Buddy Mortimer

Hancock Bank Carl Chaney Clay Wagner

Citizens Bank & Trust Company Frank Sibley

Mechanics Bank Cam Tyler

Community Bancshares of Mississippi Freddie Bagley Darrell Brown

Merchants & Farmers Bank Greg Taylor

Regions Bank Greg Garraway Renasant Bank John Oxford Southern Bancorp Joe Ricotta University of Mississippi Ken Cyree

Mississippi Bankers Association Mac Deaver Gordon Fellows September/October 2012

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MYB Leadership Conference THE MISSISSIPPI BANKER

Mississippi Young Bankers Leadership Conference, golf tourney promote consumer education, raise scholarship funds Nearly one hundred bankers from around the state participated in the Mississippi Young Bankers golf tournament and Leadership Conference on Sept. 19 and 20 in Jackson. Tom Walker, MYB councilman at large, presided over the conference, held at the King Edward Hotel in Jackson. The golf tournament at Lake Caroline in Madison raised money to support MYB activities including the awarding of scholarships to college and high school students in

Mississippi. Vining Sparks was the tournament’s presenting sponsor. At the Leadership Conference, three bankers were honored for outstanding participation in the inaugural “A Banker in Every Classroom” Week in 2011. Honorees included Patricia King of The First, A National Banking Association; Norma Quinn of Guaranty Bank & Trust Company; and Wes Rouse of BancorpSouth. Shannon Phillips of First State Bank, Waynesboro, was awarded the County

Chairman of the Year award for her efforts in promoting consumer education in her area of the state. Phillips serves as chairman for Wayne County. The $1,000 Leadership Scholarship was awarded to Lenora Christopher, a junior at Mississippi State University, who plans to pursue a career in banking in Mississippi. The Leadership Scholarship is awarded each fall by MYB and the MBA Educational Foundation to a college junior studying banking at a state-supported four-year institution. Guest speakers included MBA Chairman Greg Taylor; Jack Park, motivational speaker and football analyst.; Blake Wilson, president and CEO of the Mississippi Economic Council; Joel Bomgar, founder of Bomgar Corporation; MBA President Mac Deaver; and MBA Senior Vice President Amy Davis.

Left: MBA President Mac Deaver and MBA Chairman Greg Taylor honor three bankers for outstanding participation in the MBA’s “A Banker in Every Classroom” Week in 2011. L to R: Deaver; Norma Quinn of Guaranty Bank & Trust Company; Patricia King of The First, A National Banking Association; Wes Rouse of BancorpSouth; and Taylor. Left: MYB Councilman Bill Pullen of Mechanics Bank served as chairman of the annual leadership golf tournament. Sponsored by Vining Sparks, the golf tournament raised money for scholarships. Right: MYB Scholarship Chairman Wes Rouse of BancorpSouth (L) presents Lenora Christopher, a junior at Mississippi State University, with the $,1000 Leadership Scholarship. Pictured with Rouse and Christopher is Dr. Mike Highfield (R), associate professor of finance and department head of finance and economics at Mississippi State University.

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THE MISSISSIPPI BANKER


MYB Leadership Conference THE MISSISSIPPI BANKER

MBA Chairman Greg Taylor

L to R: Mark Bellipanni, Zack Luke, Will Sledge

L to R: Bill Pullen, Ryan Strawbridge, Corey Ables

MYB President Hue Townsend

MYB Councilman-at-large Tom Walker

Corey Addy (L) and Burt S. Caraway (R)

Elise Cook (L) and Norma Quinn (R)

Jerome Brown of The First, A National Banking Association, shares his positive “A Banker in Every Classroom” experience. September/October 2012

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Standing Committees

THE MISSISSIPPI BANKER

Bank Attorneys Committee Chairman: Pat Caldwell, Riley, Caldwell, Cork & Alvis, Tupelo Cheryn Baker, Hancock Bank, Gulfport Dean Belk, Clark, Davis & Belk, P.A., IndiCaldwell anola Harris Collier, Trustmark National Bank, Jackson Steve Corban, Renasant Bank, Tupelo George Fair, Watkins & Eager, Jackson Robert Gage, RiverHills Bank, Port Gibson Clint Gardner, The Gardner Group, Brookhaven Cliff Harrison, Butler, Snow, O’Mara, Stevens & Cannada, Ridgeland John Haynes, Farmers & Merchant Bank, Baldwyn Tom Hudson, BankPlus, Ridgeland Brad Jones, Bank of Franklin, Meadville Craig Landrum, Watkins Ludlam Winter & Stennis, Jackson Gerald McLemore, SouthBANK, Corinth Charles Parrott, Adams & Reese, Jackson Joy Phillips, Hancock Bank, Gulfport Ben Sones, Taggart, Rimes & Usry, Ridgeland Granville Tate, Brunini, Grantham, Grower & Hewes, Jackson

Communications Council Chairman: Jamie Murrell, Planters Bank & Trust Company, Indianola Shannon Aker, Bank of Brookhaven, Brookhaven Murrell Kristen Allen, BankPlus, Ridgeland 12

Rob Armour, BankPlus, Ridgeland Whitney Barnes, PriorityOne Bank, Hattiesburg Diedre Barret, Guaranty Bank & Trust, Belzoni Belvia Bourland, Sycamore Bank, Senatobia Brenda Bozeman, Merchants & Planters Bank, Raymond Randy Burchfield, BancorpSouth, Tupelo Dennis Burke, The Peoples Bank, Biloxi Leitha Chapman, Citizens Bank, Columbia Charlotte Edwards, Cleveland State Bank, Cleveland Joe Gibbs, Trustmark National Bank, Jackson Tracy Goforth, First Security Bank, Batesville Amanda Kent, BNA Bank, New Albany Paul Maxwell, Hancock Bank, Gulfport Charlotte Orick, First American National Bank, Iuka John Oxford, Renasant Bank, Tupelo Ashley Peebles, The Citizens Bank, Philadelphia Jim Robinson, Merchants & Farmers Bank, Byhalia Donna Rupp, Cadence Bank N.A., Starkville Marty Seibert, Britton & Koontz Bank N.A., Natchez Tony Sims, Community Bancshares, Brandon Myrna Story, First State Bank, Waynesboro Nancy Virden, Bank of Anguilla, Anguilla Kally Vlahos, Community Bank, Biloxi

THE MISSISSIPPI BANKER

Compliance/Audit Committee Chairman: Monica Aldridge, BancorpSouth. Tupelo Andy Anderson, Bank of Anguilla, Anguilla Dawn Ard, The First, Hattiesburg Aldridge Sharon Beard, First State Bank, Waynesboro Mary Grace Chapman, First National Bank, Clarksdale Cindy Collins, Hancock Bank, Gulfport Sylvia Coon, First Bank, McComb Jeff Crick, Bank of Commerce, Greenwood Rita Eldridge, Bank of Winona, Winona Evelyn Herrington, The Peoples Bank, Biloxi Ashley Jennings, PriorityOne Bank, Magee Linda Jones, Magnolia State Bank, Bay Springs Mike Keen, River Hills Bank, Port Gibson Lowell Kirkbride, Cleveland State Bank, Cleveland Steven C. Lawrence, M& F Bank, Kosciusko Debbie Lockert, Planters Bank & Trust Company, Indianola Sue Love, BankPlus, Ridgeland Mark Segars, First American National Bank, Iuka Adrian Smith, First Security Bank, Batesville Sue Smith, Bank of Brookhaven, Brookhaven Lexine Smith, Bank of Holly Springs, Holly Springs Bob Spencer, BNA Bank, New Albany Jeff Swilley, Community Bank, Brandon Jo Thompson, Peoples Bank, Ripley Margaret Wilkerson, Bank of Jones County, Laurel


Standing Committees

THE MISSISSIPPI BANKER

Human Resources Committee Chairman: Lisa Givens, State Bank & Trust Co., Brookhaven Eric Adkins, PriorityOne Bank, Magee Teresa Boggan, First Security Bank, Batesville Givens Kristy Davis, First State Bank, Waynesboro Rita Floyd, Trustmark National Bank, Jackson Casandra Forbes, Guaranty Bank & Trust Company, Belzoni Rosemary Hall, Britton & Koontz Bank, N.A., Natchez Jackie Henson, The Peoples Bank, Biloxi Jennifer Kuhn, First National Bank, Oxford Jessica Milam, Planters Bank and Trust Company, Indianola Betty Nickels, Bank of Yazoo, Yazoo City Dianne Pepper, BankPlus, Ridgeland Lisa Phelps, First American National Bank, Iuka Ray Smith, Renasant Bank, Tupelo Phil Sprayberry, Cadence, N.A., Starkville Tami Tacke, Mechanics Bank, Water Valley Rudi Thompson, Hancock Bank, Gulfport Deborah Wimberly, Covenant Bank, Clarksdale

Legislative Committee Chairman: Mike Webb, First American National Bank, Iuka Dennis Ammann, Peoples Bank, Mendenhall Michael Booker, BanWebb corpSouth, Clinton

Jimmy Clayton, Planters Bank & Trust, Indianola Bo Collins, BNA Bank, New Albany Greg Cronin, Charter Bank, Biloxi Royce Cumbest, Merchants & Marine Bank, Pascagoula David Dowdle, Sycamore Bank, Senatobia Scott Fontenot, Wells Fargo, Des Moines, IA Curt Gabardi, Metropolitan Bank, Ridgeland Bill Granberry, Richton Bank & Trust, Richton Moak Griffin, BankFirst, Macon Jerry Host, Trustmark National Bank, Jackson Jeff Lacey, M & F Bank, Kosciusko George Marx, Copiah Bank, Hazlehurst Robin McGraw, Renasant Bank, Tupelo Greg McKee, The Citizens Bank, Philadelphia Fred Miller, Bank of Anguilla, Anguilla Joe Neely, First National Banker’s Bank, Ridgeland Chuck Nicholson, Community Bancshares, Brandon GeeGee Patridge, BankPlus, Belzoni Aubrey Patterson, BancorpSouth, Tupelo Jeff Rabren, Regions Bank, Birmingham, AL Bill Renovich, DeSoto County Bank, Horn Lake Joe Ricotta, Southern Bancorp, Indianola Martha Rogers, Bank of Morton, Morton Frank Sibley, Citizens Bank & Trust, Marks Bill Sones, Bank of Brookhaven, Brookhaven Billy Mack Stuart, First Financial Bank, Carthage Huey Townsend, Guaranty Bank & Trust, Belzoni Leslie Usher, Great Southern National Bank, Meridian Clay Wagner, Hancock Bank, Gulfport

Harry Walker, Trustmark National Bank, Jackson Mike Webb, First American National Bank, Iuka Frank West, First Security Bank, Batesville Phil Williams, Bank of Yazoo, Yazoo City

Lending Committee Chairman: Marcus Robinson, Magnolia State Bank, Bay Springs Lugie Brown, First American National Bank, Iuka Mark Buys, BancorpRobinson South, Vicksburg Owen Carty, State Bank & Trust Co., Ridgeland Greg Cronin, Charter Bank, Biloxi David Dowdle, Sycamore Bank, Senatobia Jerry Gillespie, Guaranty Bank & Trust Co., Belzoni Alan Hargett, Planters Bank & Trust Co., Indianola David Hemeter, First National Bank of Picayune, Picayune Chris Hull, Covington County Bank, Collins Wyman Jones, Community Bank, Amory Byron Jordan, First State Bank, Waynesboro Sam Kendricks, Hancock Bank, Gulfport Glynn A. Laird, Concordia Bank Harold Livingston, Renasant Bank, Tupelo Buddy Mortimer, Bank of Kilmichael, Kilmichael Larry Ratzlaff, Community Trust Bank, Madison Van Ray, Bank of Yazoo, Yazoo City (continued on page 14)

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Standing Committees

THE MISSISSIPPI BANKER

Lending Committee,

continued from page 13 Larry Russell, First National Bank of Pontotoc, Pontotoc Charles R. Sanders, Bank of Forest, Forest Mike Staten, BNA Bank, New Albany William Thompson, BankPlus, Yazoo City Larry Veasey, Merchants & Farmers Bank, Holly Springs Alan Walters, First Commercial Bank, Jackson Chester White, PriorityOne Bank, Magee Allen Whitsitt, DeSoto County Bank, Horn Lake James Williams, Newton County Bank, Newton

MBA Group Insurance Committee/Trustees, Mississippi Bankers VEBA Plan & Trust Chairman: John Neville, State Bank & Trust Co., Ridgeland Johnny Barrett, First National Bank, Oxford Brad Jones, Bank of Franklin, Meadville Neville Page Ogden, Britton & Koontz National Bank, Natchez Jim Rabby, Bank of Wiggins, Wiggins Marcus Robinson, Magnolia State Bank, Bay Springs Frank Sibley, Citizens Bank & Trust Co., Marks Alan Walters, First Commercial Bank, Jackson

14

MissBankPAC Committee Chairman: Leslie Usher, Great Southern National Bank, Meridian Owen Carty, State Bank & Trust Company, Jackson Jimmy Clayton, Planters Bank & Trust Com- Usher pany, Indianola John Hairston, Hancock Bank, Gulfport John Haynes, Farmers & Merchnats Bank, Baldwyn Brad Jones, Bank of Franklin, Meadville Chuck Nicholson, Community Bank, Brandon Russell Stewart, Bank of Anguilla, Anguilla Greg Taylor, Merchants & Farmers Bank, Holly Springs Max Yates, BankPlus, Ridgeland

Mississippi Young Bankers Executive Council President: Hue Townsend, Guaranty Bank & Trust Company, Belzoni Vice President: Matt McCraw, First National Bank of Oxford, OxTownsend ford Treasurer: Michael Schloegel, Hancock Bank, Gulfport Mark Bellipanni, BankPlus, Belzoni Dr. Ken Cyree, Frank R. Day/MBA Chair of Banking and Business School Dean, University of Mississippi Mac Deaver, Mississippi Bankers Association, Jackson Parker England, Planters Bank & Trust

THE MISSISSIPPI BANKER

Company, Indianola Russell Fava, First National Bank of Clarksdale, Clarksdale Bob Glover, The Peoples Bank, Ripley Wendy Guillot, Mississippi Bankers Association, Jackson Michael Kimbrell, BankPlus, Brandon Tanya Lofton, PriorityOne Bank, Seminary Robb Massengill, Bank of Brookhaven, Brookhaven Kent Mortimer, Bank of Kilmichael, Kilmichael Amy Owens, Trustmark Bank, Brookhaven Bill Pullen, Mechanics Bank, Water Valley Wes Rouse, BancorpSouth, Hattiesburg Tom Walker, Bank of Forest, Forest

Security Committee Chairman: Marty Moore, BankPlus, Ridgeland Glenda Bennett, Great Southern National Bank, Meridian Mel Channell, Trustmark National Bank, JackMoore son Randy Cheatham, The Citizens Bank, Philadelphia David Cooper, Merchants & Farmers Bank, Holly Springs Willie Covington, Regions Bank, Jackson Fred Eakes, Mechanics Bank, Water Valley Frank Foster, Peoples Bank of the South, Bude Bob Glover, The Peoples Bank, Ripley Connie Grimes, First State Bank, Waynesboro Alice Herbison, Bank of Benoit, Benoit Debbie Kirk, BankFirst Financial Services, Macon


Standing Committees

THE MISSISSIPPI BANKER

Chris Makamson, Planters Bank & Trust Co., Indianola James Mitchell, Copiah Bank, Hazlehurst Mary Lois Stockman, BancorpSouth, Tupelo Al Tapper, Hancock Bank, Gulfport Jim Thompson, Bank of Forest, Forest Mary John Witt, Renasant Bank, Tupelo  

Trust Committee Chairman: Richard Crowder, Regions Bank, Jackson Pete Cajoleas, Regions Bank, Jackson John Carter, Trustmark National Bank, JackCrowder son Charles David Cleland, BankPlus, Ridgeland Jim Ferguson, Renasant Bank, Columbus Catherine Fitzpatrick, Renasant Bank, Tupelo Ann Guice, The Peoples Bank, Biloxi Jack McFerrin, BancorpSouth, Tupelo Terry Mobley, BancorpSouth, Jackson

2013 Mississippi Bank Directory The MBA’s Mississippi Bank Directory brings you the most up-to-date information on Mississippi’s banks. Use the directory to reach officers and directors or as a reference source to up-to-date financial data on the state’s banks. The directory includes: • Routing numbers • Mississippi commercial banks and branches by city • Addresses • Phone numbers • Web sites and e-mail addresses • MBA associate members • Banking and trade organizations • State and federal regulatory agencies • Key state elected and appointed officials Directories are $35 and will be available this winter! Pre-order yours today! To order, call the MBA at 601-948-6366 or visit www.msbankers.com.

September/October 2012

15


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THE MISSISSIPPI BANKER


Bankers honored in 40-, 50-year clubs At the MBA Annual Convention in June, bankers were recognized for 40 and 50 years of service to the banking industry. Bankers pictured here were presented certificates by their banks.

Citizens Bank, Columbia: (L to R) Henry M. Williamson, president; Renet Tullos, vice president and loan preparation specialist, 40-Year Club member; June Mitchell, switchboard operator and operations assistant, 50-Year Club member; Lynn McKenzie, vice president and cashier, 40Year Club member; and Richard H. Davis, CEO.

BancorpSouth: Betty Osbarn, community bank president in Oakland, receives a her 50-Year Club certificate from Brian Walhood, president of BancorpSouth’s Northeast region.

Trustmark Bank: Lena Moody (R) accepts her 40-Year Club certificate from Linwood McClain, bank president in Laurel . Recently retired, she served as a paying and receiving teller in Laurel. Moody has also worked in the bank’s customer service department, statement department, and proof department.

Trustmark Bank: 40-Year Club member Terrica McBride (center) is an administrative assistant in Trustmark’s trust department. Prior to holding this position, she worked in the loan department and customer service department. She was presented with her certificate by Skipper Guizerix (L) and John Carter (right).

Regions Bank: (L to R) 40-Year Club members Katie Jones, mortgage originator; Paulette Blissard, financial services specialist; and Paulette Suber, teller.

September/October 2012

17


Don't miss it!

"A Banker in Every Classroom" October 29 - November 2

Last year, 308 Mississippi bankers made nearly 400 financial presentations in schools across our state. Join us this year and visit a school in your area! Complete the registration form on page 19 and fax it to the MBA at 601-355-6461. Questions? Call our office at 601-948-6366 or visit www.msbankers.com.

18

THE MISSISSIPPI BANKER


BANKER REGISTRATION FORM

Presents

A Banker in Every Classroom October 29 - November 2

The Mississippi Bankers Association and the Mississippi Council on Economic Education are co-sponsoring “A Banker in Every Classroom,” a project to bring bankers to Mississippi classrooms during the week of October 29 - November 2, 2012. Local bankers will join teachers to present personal financial lessons to students in public and private school classrooms throughout Mississippi on these dates. Here’s how the program will work: Bankers will register with the MBA to volunteer to appear in a classroom in their area. At the same time, teachers throughout the state will register, making requests for local bankers to appear in their classrooms. We will match bankers and teachers and provide age-appropriate materials on personal finance topics. (These materials can be the basis for a presentation, or a customized program can be developed.) To register, simply complete and return the form provided below. Let us know your location and date(s) that you are available. Please provide your preferences as to school, grade level, and dates. If you wish, indicate a particular class you would like to visit. (If you want to visit your child’s class or a particular teacher’s class, please contact him or her and then let us know!) The MBA will match bankers and teachers and send contact information, along with materials. Have questions or need further assistance? Contact Amy Davis at adavis@msbankers.com or Brooke McCoy at bmccoy@msbankers.com, or call the MBA office at 601 948-6366.

Banker Name: ___________________________ Bank: ___________________________ Bank Address: ____________________________Cell/Home Phone: _______________ Bank City:_________________________________________________________________ E-mail address: __________________________ Bank Phone: ____________________ If you have preferences, please indicate below: School/Location:____________________ Grade:_________ Date Available: _______ If you would like to visit a specific teacher, please contact that teacher and list his or her info below: Teacher Name: _______________________ School: ______________________________ Teacher E-mail Address: ___________________________________________________ Return completed form to Mississippi Bankers Association Attn: Brooke McCoy Fax No: 601 355-6461 Email: bmccoy@msbankers.com September/October 2012

19


20

THE MISSISSIPPI BANKER


Bankers on the Move

THE MISSISSIPPI BANKER

Bank of Brookhaven Linda Bessonette has been promoted to vice president. She is a graduate of Copiah-Lincoln Community College and has more than 34 years of banking experience. Bessonette

Brooks Hall has joined the bank as loan officer. He is a graduate of Copiah-Lincoln Community College and Mississippi State University. He has three years of banking experience. Hall

Guaranty Bank & Trust Company

BankPlus Mark Bellipanni has joined the bank as loan officer and vice president in Belzoni. He is a graduate of Delta State University and the Mississippi School of Banking, and he is currently attending the Graduate Bellipanni School of Banking at Louisiana State University.

Walker Sudduth has joined Guaranty Financial Services in Hernando. He is a graduate of the University of Mississippi and has more than three years of banking experience. Sudduth

Patti Daly has joined the bank as vice president and trust officer in the bank’s wealth management group. She is a graduate of Mississippi State University and has more than 30 years of banking experience. Daly

M&F Bank

BankFirst William Corder has joined the bank as senior vice president and commercial lender in Columbus. He is a graduate of Mississippi State University and the ABA Commercial Lending School at Southern Method- Corder ist University. He is currently attending the Graduate School of Banking at Louisiana State University. He has more than ten years of banking experience.

BankPlus Natalie Arnemann has been promoted to vice president in the bank’s private client group. She is a graduate of the University of Mississippi and has more than seven years of banking experience. Arnemann

Community Bank Nick Davis has been promoted to assistant vice president in Forest. He is a graduate of Mississippi State University and the Mississippi School of Banking. He has been with the bank since 2009. Russell Turley has joined the bank as assistant vice president and loan officer in Flowood. He is a graduate of Millsaps College.

Turley

Guaranty Bank & Trust Company William Kemp has joined the bank as president in Vicksburg. He earned bachelor’s degrees from Delta State University and Mississippi State University and a master’s degree from Millsap’s College. He attended the Graduate School of Kemp Banking conducted at LSU and has more than 25 years of banking experience.

Ron Winford has joined the bank as president of M&F Pinnacle Banking, M&F Bank’s private banking division. He earned both bachelor’s and master’s degrees from Mississippi State University and is a graduate of the Winford Graduate School of Banking at Louisiana State University. He has more than 20 years of banking experience.

Merchants & Farmers Bank Larry Veasey has joined the bank as senior vice president and senior lender. He is a graduate the University of Mississippi, the Mississippi School of Banking, the Tennessee Commercial Lending School at Van- Veasey derbilt University, and the Graduate School of Banking at LSU.

Metropolitan Bank Jill Gordon has joined the bank as treasury management sales director for Mississippi and group deposit officer. She is a graduate of the University of Southern Mississippi and has more than 13 years of banking ex- Gordon perience.

September/October 2012

21


Bankers on the Move

THE MISSISSIPPI BANKER

Metropolitan Bank William Ivey has joined the bank as its first leadership associate. He earned both bachelor’s and master’s degrees at the University of Mississippi.

Leanne Stamper has joined the bank in Ridgeland. She earned both bachelor’s and master’s degrees at Mississippi State University. Ivey

Jill Walker has joined the bank as credit process director. She is a graduate of Mississippi State University and has more than 17 years of banking experience. Stamper

Walker

Regions Bank Mark Nixon, Jr. has been named manager of the bank’s Greenville Main and Delta Plaza branches. He is a graduate of Mississippi State University. Nixon

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THE MISSISSIPPI BANKER

RiverHills Bank Joel Neely has joined the bank as senior vice president in Ridgeland. He is a graduate of the University of Mississippi, the Mississippi School of Banking, and the Graduate School of Banking at LSU. He has Neely more than 13 years of banking experience.

Trustmark Bank

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

Toney Allen has been promoted to branch officer. She is the assistant branch manager at the Jackson main office. She attended Jackson State University and graduated from Draughons Business College and the Allen University of Phoenix.. She has more than 24 years of banking experience.


Bankers on the Move

THE MISSISSIPPI BANKER

Trustmark Bank Kathy Brady has been promoted to assistant vice president in Columbus. She is a mortgage loan originator and a graduate of Mississippi University for Women. She has more than eight years of banking Brady experience. Renee Creely has been promoted to assistant vice president in Tupelo. She is the branch manager of Tupelo Fairpark. She is a graduate of Mississippi State University. Creely

Taylor Dixon has been promoted to appraisal review officer at in Jackson. She is a graduate of the University of Mississippi and has more than four years of real estate experience. Dixon

Campbell Helveston has been named senior vice president in Meridian and is a commercial relationship manager. He is a graduate of the University of Mississippi and is currently attending the Graduate Helveston School of Banking at Louisiana State University. He has more than ten years of banking experience.

Tammy Miles has been promoted to human resources officer. She is the Senior Staffing Consultant and has more than 24 years of banking experience. Miles

Jackie Taylor has been promoted to assistant vice president. She earned a bachelor’s degree from the State University of New York, a master’s degree from Belhaven University, and a master’s of divinity from Taylor New Orleans Baptist Theological Seminary. She has more than nine years of banking experience. Jon-Michael Trimm has been promoted to branch officer. He is an assistant branch manager at Highland Village. He earned both bachelor’s and master’s degrees from Mississippi College. He has more than Trimm seven years of banking experience.

Are your bankers on the move? Send your submissions to Brittany Martin at bmartin@ msbankers.com.

Daphne Weathers has been promoted to branch officer in Jackson. She is the branch manager of the Westland Plaza branch. She is a graduate of Mississippi Valley State University and has more than twelve years Weathers of banking experience.

Foster Kennedy has joined the bank as vice president of corporate banking where he serves as a commercial relationship manager. He earned both bachelor’s and master’s degrees from Mississippi Kennedy State University.

September/October 2012

23


American Bankers Association THE MISSISSIPPI BANKER

Relationship Management By Gov. Frank Keating, American Bankers Association President and CEO One thing I often hear is how banking is a relationship business. You strive to get to know your customers, understand their needs and provide them with solutions. These relationships, with proper care and nurturing, can be managed and grown. With your help and expertise, a small manufacturer today might become a regional force tomorrow. That’s not just good for the manufacturer and your bank. It’s also good for your community. Keating These customer relationship management, or CRM, principles apply equally to lawmakers, who have proven their ability to impact your bank’s bottom line. Relationships with your elected representatives must be grown and nurtured. This is the heart of grassroots political advocacy, and it requires patience and perseverance. Helping bankers succeed at it is one of the primary goals of our revamped Banker Advocacy and Grassroots Committee. We announced this new committee at our recent Summer Leadership Meeting in Chicago. The committee’s co-chairs for the new association year -- which begins with the

ABA Annual Convention in October -- are Bill Hayes, president and CEO of Kishacoquillas Valley National Bank, Reedsville, Pa., and Max Cook, president and CEO of the Missouri Bankers Association. Having a state association executive cochair the committee reflects the importance of state-based and local advocacy efforts in achieving our industry’s policy goals. The rest of the committee will be composed of politically active bankers in each state. Together, they will plan advocacy and grassroots strategies for the new 113th Congress that will convene next January. Our new committee – with banker representation from all 50 states – builds on what ABA and bankers already do very well while recognizing that we need to do more. We are very good at quickly mobilizing and communicating with members of Congress on the issues. Now it’s time to take it to the next level. We want bankers who are already involved to develop deeper relationships with their representative and senators, and their staffs in Washington and back home. That means talking to and meeting with lawmakers in between votes, asking about their needs, not just ours. We also want to encourage nov-

Your association has established the

to support scholarship and financial education programs of the MBA and its member banks.

To learn how you can make a difference through MBAEF, contact Mac Deaver at mdeaver@msbankers.com. THE MISSISSIPPI BANKER

© 2012 American Bankers Association. All rights reserved. Reprinted with permission.

We’re Building A Strong Foundation

MBA Education Foundation

24

ice banker advocates to take the first step in establishing a connection with their elected leaders. To help on both fronts, ABA is producing a series of brief videos on building effective relationships with members of Congress. The series -- which includes not just “how to’s” but also “why to’s” -- walks viewers through advocacy essentials, beginning with why bankers should get involved in grassroots advocacy and how to set up a successful bank visit. Additional videos will be added over the next several months, so please be on the lookout for them. Never underestimate your power as a constituent. You have a great story to tell about what your bank is doing for its customers, communities and local economies. And by providing first-hand accounts of your work and its challenges -- not the least of which is a hefty stack of compliance directives -- you are enabling your lawmaker to cast informed votes on issues that affect you. Learn more and view our new grassroots advocacy training videos at aba.com/grassrootstraining.

Mississippi Bankers Association Education Foundation P.O. Box 37 Jackson, MS 39205-0037 (601) 948-6366

The MBA Education Foundation has applied for classification as a 501(c)(3) non-profit organization. Such classification will make the Foundation eligible to receive tax-deductible contributions. Classification as a 501(c)(3) will be retroactive to the date the Foundation was formed and contributions will be treated accordingly. Please consult your tax advisor to determine the tax deductibility of your gift.


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The Mississippi Banker September-October 2012  
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