GBA, Members and Legislature Gearing Up for a Big Week
The ball gets rolling on the Georgia General Assembly's annual
session next week. So, stay tuned for lots of news and updates.
Governor-elect Nathan Deal and other constitutional
officers get sworn in Monday. And the House and Senate
leadership positions will also be announced, so we'll know which
legislators will be leading the key committees that deal with
banking legislation. As usual, we're excited about our annual
Legislative Reception and Legislative/Economic Update
Wednesday, Jan. 12. We've got a great crowd signed up for both,
but we encourage you to join us if you haven't made your plans
yet. Confirmed speakers for the
Update session are Rep. Wendell Willard, chairman
of the House Judiciary Committee, Joe Keating,
Chief Investment Officer, CenterState Bank, NA, for an
economic update, Secretary of State Brian Kemp, and
Commissioner Rob Braswell with the Georgia Department of
Banking and Finance. Other legislators are waiting on final
announcements about chairmanships, so we'll update the speaker
list next week. Also meeting next week are the
GBA Board of Directors, the
GBA Services, Inc. Board of Directors and the
Leadership GBA Executive Committee. With questions, contact
Joe Brannen, 404.420.2026, or
Elizabeth Chandler, 404.420.2027. With questions about
the
Legislative Reception and Legislative/Economic Update,
contact
Susie McGehee, 404.402.2010.
Georgia Tax Council to Announce Proposals Tuesday
The Georgia Special Tax Council is expected to publicly lay out its recommendations Tuesday for restructuring the state's tax code. There's still a bit of mystery about just what they'll propose. A.D. Frazier, chairman of the Council, has said the suggested changes will be revenue-neutral to the budget and will focus on reducing but not eliminating entirely, the state's individual and corporate income taxes while broadening the state sales tax so that it is levied on services as well as tangible goods. Another thing we've heard mentioned is a possible sales tax on certain financial services. We don't know what that means, so it's something to watch. Earlier in the Council's study period, GBA provided the Council with a white paper on the current gross-receipts tax scheme used by banks and has recommended that process remain in place. The Legislature is required to consider the Council's recommendations this session, and in an interesting quirk of how the law passed last year is structured, the entire package will get either an up or down vote during this session. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
Bank Recapitalization, Statewide Lending Increases Spotlighted; Good Economic News
There was
quite a bit of positive news this week to share about
banking in Georgia. The story about the new capital investment
in Montgomery Bank and Trust, Ailey, got significant
attention as a positive sign. “We're glad to see a
success story of a community bank raising significant new
capital,” said Joe Brannen, GBA president and CEO, in
reports by
the
Atlanta-Journal Constitution,
Atlanta Business Chronicle and Ailey/Vidalia-area media.
The AJC also
reported that SBA
loans
increased by nearly 52 percent during the fourth quarter and total business loans not backed by real
estate by Georgia-based banks have increased for three straight
quarters. Total commercial and
industrial loans to companies of all sizes are up 6.2 percent to
$32.47 billion. Also detailed was a Federal Reserve report
noting demand for traditional business loans by companies of all
sizes increased in October and November, after steady declines
for nearly two years. Named in the story were GBA members
Cornerstone Bank and Private Bank of Buckhead.
Atlanta's NBC TV affiliate, WXIA, aired
a nice story about SBA Lending, as well, featuring
Edward Cooney, President of Affinity Bank, Sandy
Springs,
There was
other positive news,
too, out of the manufacturing sector.
The
Institute for Supply Management said the manufacturing sector
expanded for the 17th straight month in December, and factory
orders grew again in December for the eighth straight month.
DBF Bulletin Notes Restructuring of Financial Institution Supervision Division
Check out the latest version of the Georgia Department of Banking and Finance Bulletin for news about the Supervision Division. It says effective Dec. 31, 2010, the Department began operating with one less district - (District 3, College Park). The vast majority of community banks that were assigned to that district will now fall under District 2, Loganville. The responsibility for the oversight of SunTrust and the credit unions formerly in District 3 will now fall to District 1, Woodstock; while the oversight of Synovus Bank will now fall to District 5, Tifton. More details are available here.
Banker
named White House Chief of Staff
President Obama today named William M. Daley as his Chief of Staff. Daley was most recently a senior executive with JPMorgan Chase, and formerly a commerce secretary with the Clinton administration. At JP Morgan Chase, Daley was responsible for its Midwestern operations. Daley is the brother of Mayor Richard M. Daley of Chicago. Here's a link to the New York Times story about the appointment.
IOLTA Update: FDIC Updates Notification Requirements
President Obama last week signed into law a bill (H.R. 6398) that
continues "full" FDIC protection for Interest on Lawyers Trust
Accounts (IOLTAs) through Dec. 31, 2012. The bill will cause
some technical
changes to FDIC regulations concerning insurance coverage for
noninterest-bearing transaction accounts and notification
requirements. Be on the lookout for a
Financial Institution Letter (FIL) from the FDIC with guidance. If you
have already notified IOLTA depositors that their coverage would
end Dec. 31, 2010, because of the previous IOLTA coverage rules,
the FDIC says you
may go ahead and provide a revised notice advising that IOLTAs
will receive unlimited insurance coverage as noninterest-bearing
transaction accounts for two years ending Dec. 31, 2012.
The FIL also will provide new language
for the posted signage reflecting the change.
CFPB Announcements:
Info Sharing about Nonbanks, Petraeus to Head Military Family Unit
There were two news items of note out of the Consumer Financial
Protection Bureau (CFPB) this week. To meet the requirements of
regulating nonbank financial companies, the CFPB and state
regulators announced an agreement to share information and
practices. The memorandum of understanding between the CFPB and
Conference of State Bank Supervisors
says they will consult on the standards, procedures and
practices they use for examining financial-services providers,
including nonbank mortgage lenders, mortgage servicers, private
student lenders and payday lenders. Georgia banking Commissioner
Rob Braswell will be at
GBA's Legislative/Economic Update Jan. 12 to talk a little more about that and
other issues. Also, Holly Petraeus has been hired
to head bureau's Office for Service Member Affairs to be a
watchdog advocate for members of the military. Petraeus, the
wife of Gen. David Petraeus,
top U.S. commander in Afghanistan, testified before Congress
about military family financial issues during debate about the
Dodd-Frank Act, particularly focused on auto-dealer lending
programs.
Federal Registry of Residential Mortgage Loan Originators Planned To Launch This Month
Federal regulatory agencies announced in a financial institution letter this week that they expect the system for federal registration of residential mortgage loan originators (MLOs) to begin operation on or around Jan. 31. The Agencies' rules implementing the S.A.F.E. Act, which is intended to improve the accountability and tracking of residential MLOs, enhance consumer protection, reduce fraud, and provide consumers with easily accessible information regarding an MLO's professional background, will require MLOs to register with the Nationwide Mortgage Licensing System and Registry (Registry) within 180 days of the date the Registry begins accepting federal registrations. The Agencies will confirm the opening date for federal registration closer to the actual date and will publish notice of that date in the Federal Register. Presently, the Agencies expect the initial registration period to expire on July 29, 2011. After the initial registration period expires, MLOs will be prohibited from originating residential mortgage loans until they successfully complete the federal registration process. The Agencies' rules provide a de minimis exception whereby MLOs that originated five or fewer mortgage loans during the previous 12 months are not required to complete the federal registration process.
2010 BankPAC Campaign Closeout
Contributing at the end of 2010 to the GBA FedPAC
were officers and directors of Community Bank and Trust -
West Georgia, LaGrange, Bill Stump, President & CEO.
Our thanks again to all of the bankers across Georgia who
contributed to the 2010 BankPAC campaign enabling the GBA to
represent your interests during this important election season.
For more information, please contact
Elizabeth Chandler
at 404.420.2027.
Treasury Reminder that All Federal Benefits will be Paid Electronically by 2013
The U.S.
Department of the Treasury recently announced a new rule
requiring all federal benefit and nontax payments to be paid
electronically. Anyone currently receiving federal benefit
checks will need to switch to an electronic payment option by
March 1, 2013. People applying for Social Security, Veterans
benefits or other federal benefits on or after May 1, 2011, will
receive their payments electronically starting with their first
payment. People who do not choose an electronic payment option
such as direct deposit at the time they apply for federal
benefits or who do not switch by the deadline will receive their
benefit payments via the Direct
Express Debit MasterCard card.
Sign up online at
www.GoDirect.org
Employee Investigations Seminar - Jan. 18
This interactive one-day seminar will help you deal with the obstacles and challenges you face when conducting employee investigations. Some of the topics to be covered include:
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Theft by an Employee
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Evidence Collection, Analysis, & Organization
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Interview and Interrogation
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When to Prosecute
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Workplace Violence.
GBA will host its Employee Investigations seminar Jan. 18, at Idle Hour Country Club in Macon. The registration fee is $225 per person and $175 for any additional registrants from the same institution. Amos Welch, CFE, CPP, Vice President, Regional Manager of Corporate Investigations at BB&T, Atlanta, will lead the workshop. Click here to register. With questions, please contact GBA's Courtenay Pope at 404.420.2015.
Financial Risk Management Conference: Jan. 19-20
New Interagency CCR Guidance and Policy Development to be Addressed
Join Chuck Phelan, Director of Treasury Management, TIB-The Independent BankersBank as he provides a detailed examination of the newly required Correspondent Concentration Risk Guidance during this year's Financial Risk Management Conference around the corner, Jan. 19-20, 2011, at the Cobb Galleria Centre in Atlanta. GBA has a company rate of $149 at the Renaissance Waverly Hotel based on availability, so make your reservations now by calling the hotel directly at 770.953.4500. Click here to register. Please contact GBA's Marybeth Jones at 404.420.2032 with questions.
Bank Trainer Peer Group Meeting Scheduled for Jan 26
Please join us for the GBA-U's Bank Trainer Peer Group on Wednesday, Jan 26, at Georgia Bank and Trust Company Training Center, Martinez. Our guest speaker for this meeting will be Chris DiLorenzo, President of The James Paul Group, Duluth. He will address the constant challenges of how to recognize training opportunities through observations and interviews, product knowledge testing and post training evaluations and measurements. We will finish up with an open forum discussion. Click here to register. With questions about the meeting, please contact GBA's Alison Moreau at 404.420.2034.
Managing Workouts to Optimize Portfolio Value: Jan. 26
This Problem Loan seminar is designed to provide participants with skills to support early recognition of problems, assessment of client viability, alternative courses of action for the lender and decision support for choosing appropriate actions. This one-day course will cover workout issues and is intended to optimize the resolution of problem loans in the bank's commercial portfolio. Participants will learn about handling individual loans as well as portfolio management. Dr. Ruediger Mueller CTP, President of Turnaround Consulting & Management International, Inc. in Suwanee, is the instructor. The seminar is Jan. 26 at Idle Hour Country Club in Macon. Registration is only $225 for members and $175 for any additional registrants from the same institution. Click here to register. With questions, contact GBA's Courtenay Pope at 404.420.2015.
Southeastern Bank Management and Directors Conference
As the industry emerges from the recent acute credit and liquidity crisis, financial service organizations now face the challenges of evolving customer needs, ongoing changes in the economic landscape and the impact of new regulatory requirements.
A strong community banking system is critical to the health of our country's local economy. But what does the future hold?
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How will Dodd-Frank and other financial reform measures impact the regulatory environment facing community banks?
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How long will the economic recovery continue at a snail's pace?
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Will we see deflation or inflation in the near-term?
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How will community banks build a business model that does not rely so heavily on real estate?
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When will our business customers come back in substantial numbers to request loans?
The 2011 Southeastern Bank Management and Directors Conference will address these critical questions and more as senior banking executives from across the Southeast join forces to develop business strategies for the future. The conference is scheduled in two locations: Feb. 1 at the Mansion on Forsyth Park, Savannah and Feb. 10 at the Gwinnett Center, Atlanta. These one-day conferences are organized and directed by Dr. James A. Verbrugge, Emeritus Professor of Finance and Chair of Banking at the University of Georgia, who is involved in executive education and the EMBA program at the Terry College of Business and serves on several corporate boards of directors.
New Date! Analyzing Commercial Financial Statements - March 3
Please note that this seminar has been rescheduled form its original date of Jan. 27 to a new date on March 3. This one-day workshop is designed to introduce and utilize a comprehensive and consistent approach to analyzing commercial financial statements. Emphasis is placed on a practical methodology to assist bankers in evaluating the creditworthiness of a company. GBA will host the Analyzing Commercial Financial Statements seminar March 3, at Idle Hour Country Club in Macon. The registration fee is $225 per person and $175 for any additional registrants from the same institution. Mike Allen from State Bank & Trust Company will lead this seminar. Click here to register. With questions, please contact GBA's Courtenay Pope at 404.420.2015.
Vendor Management a Featured Session at Annual Operations & Technology Conference
Organizations are increasingly relying on third-party service providers for a variety of technology-related services. Financial institutions outsource many areas of their operations to third-party vendors, including all or part of their business processes, key applications and technology infrastructure. Join Mike Morris, Porter Keadle Moore, LLP, as he covers the risk management process for evaluating and monitoring vendors. He will also cover the upcoming changes in third-party reporting that will affect the vendor management process. The Operations and Technology Conference is March 2-3, 2011, at the Cobb Galleria Centre in Atlanta. The conference brochure will be available soon. Click here to register. For more information, contact GBA's Marybeth Jones at 404.420.2032.
Seminars:
Get
Key Updates about HMDA, CRA, and
IRAs and More
GBA-U will host the following in-person seminars in January and
February. Be sure and check back for additional in-person
seminars added to the GBA-U Calendar. For more details and
registration information, check the Calendar of Events for any
of the seminars you're interested in online at
www.gabankers.com.
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Employee Investigations - Jan. 18, Macon
This interactive one-day seminar will help you deal with the obstacles and challenges you face when conducting employee investigations. Some of the topics to be covered include: Evidence Collection, Analysis, & Organization, Interview and Interrogation, and Workplace Violence.
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Problem Loans: Managing Workouts to Optimize Portfolio Value - Jan. 26, Macon
This seminar covers workout issues and is intended to optimize the outcome of problem loans in the bank's commercial and real-estate portfolio. It looks at the handling of individual loans as well as portfolio management. It is designed to provide the participant with a toolbox that supports early recognition of problems, assessment of client viability, alternative courses of action for the lender, and decision support for the selection of appropriate actions. Case studies will be included for demonstration.
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HMDA + CRA - Feb. 1, Macon
HMDA receives "microscopic" scrutiny from federal bank examiners, and it has a significant impact on a bank's CRA and Fair Lending performance. Based on recent changes, HMDA compliance may also determine whether a bank has violated new provisions of Regulation Z. CRA - banks with assets between $250K - $1 MM are subject to the new Intermediate Small Bank examination and a new Community Development Test.
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IRA Basics - Feb. 9, Macon
This comprehensive A-Z workshop will provide the new IRA banker and supervisor with a complete understanding of all areas of the IRA, as well as an review of significant proposed changes. The seminar includes the IRA Training and Reference Manual, otherwise known as the "IRA Survival Guide" or the "Red Book."
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IRA Update - Feb. 10, Gainesville
This detailed workshop serves as an excellent refresher for the experienced IRA banker as well as a confidence builder for the less experienced IRA representative who may be unfamiliar with the more technical and complex areas of IRAs. This seminar will provide a thorough update and review of the significant final regulations regarding the Pension Protection Act and other IRA legislation.
With questions or details please call GBA's Courtenay Pope at 404.420.2015
Webinars: CIP, Appraisals, and Bank Litigation among Highlighted Offerings
A GBA Webinar is a great way to quickly get the training you need right from the comfort of your office. Here's a sample of upcoming offerings. Check the Calendar of Events for any webinars you're interested in at www.gabankers.com.
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CIP: What is Fact? What is Myth? - Jan. 12
This webinar will focus on differentiating CIP myth from CIP fact, and will explore the common mistakes made by financial institutions in designing and maintaining their CIP policies. It will also address the various types of identification options available and review what is considered to be "documentary" and "non-documentary" verification.
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New Appraisal & Evaluation Guidelines - Jan. 14
New guidelines issued Dec. 2, 2010, create new requirements and burdens for lenders regardless of the size of bank or type of real estate loan. This program addresses these new demands and requirements from a community bank perspective.
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Marketing & Advertising Efforts in the New Compliance Environment - Jan. 18
Regulator and examiner attention to your advertising and marketing efforts is at an all-time high. There are many new requirements, plus advertising is being looked at in a different way than before. There will be new regulators and new standards, too. In the rush to attract new business and keep the clients you have, compliance requirements easily can be missed or ignored. Is your marketing department communicating with your compliance staff? This session will help.
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Loan Documentation 101 Part 1: The Basics: Obtaining Enforceable Liens Under UCC9 - Jan. 18
This first seminar in a three-part series presents basic loan documentation principles and practices under Revised Article 9 for collateral other than real estate.
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Dealing With Subpoenas, Summonses, Garnishments, Tax Levies, Etc. - Jan. 19
On a daily basis a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order the financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer. If you find these documents to be confusing and intimidating, then make sure to attend this seminar. By attending this multi-state seminar, you will learn the best practices of how to effectively deal with these documents and the parties who serve them upon you.
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Managing Bank Litigation: A Checklist for Cost Control - Jan. 20
In today's environment, financial institutions are frequent litigants as they attempt to collect defaulted loans and enforce their interests in collateral. This program has been developed in response to the need by financial institutions to exercise greater control over, and reduce the cost of, their expanding litigation costs.
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Motivating & Managing the Teller Line - Jan. 20
This fast-paced, all inclusive workshop covers every aspect of succeeding at leading the tellers to excellence. Think it's time to shape your tellers into Sales and Service Stars? Want to see more enthusiasm, an end to balancing problems, extraordinary service providers, adherence to audit and regulatory issues? This is the workshop for you and your teller supervisors
All webinars are live and allow time for questions and answers. The $255 registration fee gives you access to one web site "seat," one telephone site license and all handout materials. If you can't attend the webinar, you may buy the audio CD, handout materials and a password to see the information online. With questions, please call GBA's Courtenay Pope at 404.420.2015.
January AIB Instructor-Led AIB Online Class Schedule
Here are the instructor-led AIB online classes offered in January. These courses are instructor-facilitated with weekly assignments and can be taken from your home or your office. All you need is a computer, printer and Internet access. (Classes with an asterisk * require Microsoft Excel Software.) Please register two weeks in advance to secure a seat in the class.
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ABA Online Review Course for the CRCM Exam, 8 weeks, $695 (Jan. 24)
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ABA Online Review Course for the CTFA Exam, 12 weeks, $795 (Jan. 31)
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Analyzing Bank Performance, 7 weeks, $765 (Jan. 18)
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Analyzing Financial Statements*, 16 weeks, $505 (Jan. 10)
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Consumer Lending, 16 weeks, $425 (Jan. 18)
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Economics for Bankers, 16 weeks, $425 (Jan. 31)
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General Accounting*, 16 weeks, $535 (Jan. 10)
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Law & Banking: Applications, 16 weeks, $485 (Jan. 18)
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Managing Funding, Liquidity, and Capital, 6 weeks, $625 (Jan. 10)
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Principles of Banking, 16 weeks, $425 (Jan. 10 & Jan. 24)
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Principles of Banking Accelerated, 10 weeks, $355 (Jan. 18)
Please see the AIB Online Course Schedule for a complete listing or call GBA's Alison Moreau at 404.420.2034 with questions.
Maximize Marketing Dollars and Build a Sustainable Brand
Financial
Marketing Solutions (FMS),
a Strategic Partner of the GBA, is a niche branding and
marketing agency solely serving the financial services industry.
Encouraging clients to tap into the power of "brand" in a fresh
new way, FMS empowers banks across the country to ramp up their
marketing, maximizing marketing dollars and delivering measurable
results to the bank's bottom line via traditional mediums as
well as online channels such as e-mail marketing, social media
marketing, blogs, online display advertising, search engine
optimization, search engine marketing and mobile marketing.
Through a strategic discovery process, FMS partners with your
bank to narrow corporate initiatives into real and attainable
goals, uncover and enhance your brand, create an identifiable
image, and develop customized marketing solutions
that can be tracked and integrate seamlessly across all channels and throughout all
locations
For more information, please contact Sean Hockenbery or Tim Pannell with FMS at 615.591.2073, or GBA's Bogan Brannen at 404.420.2014.
Attract and Retain Customers with the Deluxe Experience
Deluxe
Financial Services
works closely with financial institutions to develop unique
experiences that attract and retain customers and grow business.
As one of the top check producers in North America, Deluxe
combines its history of strong brands and financial institution
relationships with its insights into small business. More than
just a check printer, Deluxe offers programs that can add to
your banks profitability and maximize customer satisfaction.
Here are some of the valuable programs offered by Deluxe:
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DeluxeCalling: An outbound calling service that helps you connect with customers, grow revenue, and reduce attrition through proactive touchpoints.
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Deluxe Detect: Screen new applicants with this comprehensive fraud and risk screening solution that integrates with most banking platforms. A unique emphasis on data integrity and an innovative revenue-sharing model sets this solution apart.
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Deluxe ProventSM - Identity Theft protection: Often positioned as a popular value-add reward for an existing check program, or a feature of an elite checking program. In the event of a data breach, it's a powerful turnkey solution.
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Welcome Home Tool Kit: A start-to-finish branch solution that captures best practices for gaining loyal customers.
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Experience InquirySM: Proprietary CustomerBackSM Audit technology lets you analyze every customer impression from the customer's point of view.
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Deluxe Knowledge ExchangeTM Series: An exclusive suite of resources, events, and solutions that bring the best financial services information and events to you publications, workshops, seminars, and our powerful Collaborative give you access to the latest consumer experience insights.
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Deluxe Customer Care AdventureSM: See, hear, and learn how our Customer Care Centers deliver exceptional experiences - then apply what you learn in your own organization. Depending on your needs, you can visit us or we'll visit you.
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Deluxe Experience Enrichment EventsSM: Learn how to improve your account holder's experiences within your institution by attending one of our enrichment events.
Deluxe Financial Services works closely with financial institutions to develop unique experiences that attract and retain customers and grow business. For more information, please contact Deluxe's Bob Hicks at 317.873.5572, Brandt Tefft at 941.223.7394, Angelia Grey at 800.332.4234 x159340, or GBA's Bogan Brannen at 404.420.2014.
Find a Job, Post a Job
with GBA Job Bank
The
Georgia Bankers Association offers free job posting resources for our
member banks. These listings can be viewed
online or through our bi-weekly publication included in the GBA
Bulletin.
Resume postings
are also available. For more information, please call
Kenyetta Parks at 404.420.2035.
Read All About It --
Send Us Your News
Please remember to include the Georgia Bankers Association on the list
of recipients for announcements about promotions, new employees and
special recognition your bank has received. We want to share your news
with your colleagues across the state. Please forward your announcements
and photos to GBA's
David Oliver and Bogan Brannen.
Atlanta - Fidelity Bank
William C. Lankford, Jr. has been elected to the Board of Directors for the bank and to the Board of Fidelity Southern Corporation.
Columbus - Synovus
Many thanks to the soon-retiring Elizabeth R. "Lee Lee" James for her years of service for our industry.
Griffin - United Bank
Ryan Tucker has joined the bank's Thomaston division as Senior Vice President and Senior Lending Officer.
Macon - American Pride Bank
Shelly Winger has been promoted to Compliance Officer. Terry Peebles has been promoted to Branch Manager and Banking Officer.
Macon - State Bank and Trust
April Shaffer has been named Credit Services Manager.
Moultrie - Ameris Bank
Andy Cheney has been named President of the Bank.
Moultrie - Southwest Georgia Bank
Jeff Hanson has been appointed Executive Vice President. Jud Moritz has been appointed Senior Vice President. Leanne Balanis has recently joined the Bank as Assistant Vice President, deposit and cash management. Patrick Brown has recently joined the Bank as Assistant Vice President, Commercial Lending.
Tifton - South Georgia Banking Company
Our sympathies to Chairman and CEO Pait Willis whose mother, Bernice Willis, recently passed away.
Atlanta - Kilpatrick, Townsend & Stockton, LLP
On Jan. 1, Kilpatrick Stockton merged with Townsend, Townsend and Crew. The name of the firm has changed to Kilpatrick, Townsend & Stockton LLP.
Atlanta - Mauldin & Jenkins, LLC
Mauldin & Jenkins, LLC, announces the addition of CPA Associate Evers & Fox, PC, Atlanta.
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50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | 404.522.1501 |