July 25, 2008  

Leadership GBA Officers, Executive Committee Elected

Georgia’s emerging leaders in the banking industry met at Ponte Vedra Beach, Florida last week for Leadership GBA’s 48th annual Leadership Conference. A highlight of the conference is the election of Leadership GBA officers and the Executive Committee for the coming year. In last week's e-Bulletin, we told you about the new officers:

President: Kim Brannen, Vice President, Sea Island Bank, Statesboro
President-elect: Kelly Yielding, Vice President, McIntosh State Bank, Jackson
Vice President: Brad Barber, City President/Chief Lending Officer, Commercial Banking Company, Valdosta
Past President: Wes Dodd, Executive Vice President of Finance/CFO, Community Bankshares, Inc., Cornelia.


Brannen
Yielding
Barber

Each GBA Group elects members to the Executive Committee and several other bankers serve in statewide At-Large positions. The members of the 2008-09 Executive Committee are:

Group 1: David Beaubien, President, Citizens Bank of Bulloch County, Statesboro
Group 2: Tommy Hill, Vice President, Thomasville National Bank

   Group 3: Heath Schondelmayer, Vice President, Columbus Bank and Trust Company
Group 4: Pete Garrett, Vice President, Bank of Upson, Thomaston
Group 5: Ryan Hancock, Vice President of Business Development, Silverton Bank, Atlanta
Group 6: Spence Mullis, President and CEO, The Morris State Bank, Dublin
Group 7: Tom Mastin, Senior Vice President, Northwest Georgia Bank, Ringgold
Group 8: Thompson Kurrie, Vice President, The Park Avenue Bank, Valdosta
Group 9: Brian Savage, Senior Vice President, Stephens Federal Bank, Toccoa
Group 10: Tim Carter, Vice President, Bank of Madison
At-Large: Brad Brookshire, Vice President, Bryan Bank & Trust, Richmond Hill
At-Large: John Rainwater, Senior Vice President, United Bank, Griffin
At-Large: Jodi Sappe, Branch Manager, Atlantic Southern Bank, Macon
At Large: Alan Thomes, Senior Vice President, Cornerstone Bank, Atlanta

A special thanks to the companies who sponsored various events at the conference where the 2007-2008 Personal Economics Program (PEP) award winners were also recognized. One of the missions of Leadership GBA is to sponsor the PEP program, which is an effort by bankers to encourage financial literacy in their communities. Make plans now to attend next year’s conference scheduled for July 12-15, 2008 at Amelia Island Plantation, Amelia Island, Florida.
Housing/GSE Package Gets Nod from House, Veto Threat Dropped
The U.S. House this week passed the sweeping housing and regulatory reform package (H.R. 3221) that we’ve been keeping you updated on. Senate approval is expected within the next few days, and the President has said he’d sign the legislation. The package would create a new combined regulator for Fannie Mae, Freddie Mac and the Federal Home Loan Banks and it includes the Treasury Department's backup plan to support Fannie and Freddie with additional credit, equity and capital if necessary. Also included are significant steps intended to prop up the housing market, such as authorization of the FHA to insure up to $300 billion in refinanced mortgages; an increase to $625,000 the size of loans Fannie and Freddie may buy in high-cost areas;   allocation of $3.9 billion to let state and local governments buy and repair foreclosed properties; provisions for $15 billion in housing tax breaks, including a credit of up to $7,500 for first-time homebuyers; and up to $200 million for foreclosure-prevention programs.  To account for the cost of the package, Congress will increase the statutory limit on the national debt by $800 billion to $10.6 trillion. On the downside, the legislation includes a payment card reporting provision that will require banks to report the annual aggregate payments made to their business customers.  With questions, please contact GBA’s Elizabeth Chandler at 404.420.2027.
PA Court Ruling Victory Against Credit Union Expansion

Back in 2003, the National Credit Union Administration (NCUA) approved a request from a Pennsylvania credit union to amend its charter to include a 3,400 square mile area covering three cities, 93 boroughs, 140 townships and 50 school districts, claiming that the area constituted a well-defined local community. The ABA and the Credit Union Strategies Task Force of Pennsylvania led a group of plaintiffs challenging this extensive expansion in court. This week, the U.S. District Court for the Middle District of Pennsylvania ruled in favor of the commercial banking industry on this one. The ruling stated that NCUA did not do its due diligence, noting that ‘determinism, not documentation’ drove the agency’s decision and that the evidence NCUA relied on was ‘at best incomplete, and at worst, self-serving'.

   “As [the] decision makes clear, the NCUA exhibited ‘a certain deafness’ to the ‘substantial body of evidence’ indicating that the area in question was not in fact a well-defined, local community,” said ABA President and CEO Ed Yingling. “The court has sent a strong signal to the NCUA that it will no longer be able to disregard the law in pursuit of its desire to make it easy for expansion-minded credit unions to increase their fields of membership.”
Farm Credit Administration Issues Expansionist Proposal

You may recall that the banking industry successfully kept Congress from adopting the Farm Credit System’s “Horizon’s Project” in the recent Farm Bill. However, the Farm Credit Administration (FCA) has issued a new proposal. The Rural Community Investments Proposal is in a 60-day comment period. It would make permanent a pilot program that allows the system's lenders to invest in bonds for nonfarm projects in communities with populations of less than 50,000. It would let them buy stakes in venture capital funds that invest in rural development, and includes a "catch-all" provision that would let the lenders finance other rural projects with approval from their regulator.

   Your help is needed by sending your letter to the FCA requesting a withdrawal of this proposal through the ABA’s “point and click” process. A copy of your letter will be sent to your Congressional representatives as well. Please call GBA’s Elizabeth Chandler at 404.420.2027 with questions.
Speak Up by Aug. 4 on Overdraft Proposal

The Aug. 4 deadline is near for public comment about proposed Federal Reserve regulations of overdraft protection programs and ATM/check card holds. GBA has concerns about the proposals, namely that some would cause extreme confusion for consumers, and some are technically not feasible at this time. “Our member banks have worked hard to develop fair and impartial overdraft protection programs for the broad spectrum of customers that they serve. By any measure, these programs have been successful, accepted and appreciated across the board."  While many of our member banks already offer an “opt-out” of this service, our hope is not to confuse customers about

   services they may already be receiving and once again, overload them with notices that are largely ignored,” said Joe Brannen, GBA President and CEO, in our comment letter filed July 22. We encourage you to write a comment letter, as well. With questions, contact Elizabeth Chandler at 404.420.2027.
Proposed Legislation Would End Double Taxation on State Banks Organized As LLCs

A bi-partisan effort to provide tax relief for state banks organized as LLCs is making its way through the U.S. Senate. Sens. Orrin Hatch (R-Utah) and Blanche Lincoln (D-Ark.) introduced the Small Bank Tax Equity Act July 11 to allow state-chartered banks operating as limited liability companies to be subject to just one level of federal income tax, rather than the double taxation they face under the current law. The IRS has maintained this stance even as many states passed laws allowing state chartered banks to be treated as LLCs for state tax purposes.

   And another inconsistency is that the Federal Deposit Insurance Corporation in 2003 issued a rule establishing that banks could qualify for FDIC coverage as LLCs. “GBA supports this legislation because it will give smaller Georgia banks added flexibility in their corporate structure and access to capital necessary to compete on a more level playing field with tax-advantaged financial organizations such as the credit unions and farm-credit system,” said Joe Brannen, GBA President and CEO. With questions, please contact GBA’s Elizabeth Chandler, 404.420.2027.
Final Guidance on Remittance Procedure for Certain Interest Bearing Accounts

As we have reported, the remittance for interest earned on accounts held by court clerks or county sheriff departments that was sent to the Georgia Public Defenders Standards Council must be remitted to the Georgia Superior Court Clerks Authority (GSCCCA) beginning in August for the interest earned in July.  Additionally, there is certain account information that the GSCCCA is required to collect monthly.  Court clerks and sheriffs’ offices should be receiving final guidance from the GSCCCA about the new procedures, and banks, in turn, should be hearing from these account holders.  For your information, here is an overview of the three payment options the GSCCCA has outlined for the clerks and sheriffs:

   1) The clerk / sheriff may elect to remit any trust interest themselves in the form of a check, 2) The clerk / sheriff may elect to authorize an ACH debit on their account by the GSCCCA, or 3) The clerk / sheriff may elect to authorize the financial institution to remit trust interest on their behalf.  The GSCCCA will request the clerk / sheriff provide the additional account information if either of the first two options is selected.  They have the information available on the bank statement they receive and are in a position to complete the GSCCCA form in the most expeditious manner. If you have further questions, please call GBA’s Elizabeth Chandler at 404.420.2027 or John Earle at the GSCCCA at 404.327.7320.  Please remember that this does not change the IOLTA remittances.
2008 BankPAC Campaign Update

Since the last Bulletin, the following companies have contributed to the GBA StatePAC:

The officers, directors and staff of the following companies have contributed to the GBA FedPAC:

  

Please see the BankPAC Campaign Update for total contributions by group. For more information, please call Elizabeth Chandler at 404.420.2027.
Hot-Topic Resource: FDIC Webinar Scheduled Aug. 13
The recent receivership of IndyMac Bank and the other challenges facing other financial institutions have reminded bankers and depositors alike of the importance of understanding how FDIC deposit insurance coverage works. With all the attention, it is more important than ever to know the ins and outs of FDIC insurance coverage. GBA is offering a webinar that will help you and your staff provide great counsel to your customers. The webinar, FDIC Insurance: What Your Customers Want to Know, will be Aug. 13 from 2:30-4:30 pm.  The registration fee is $245 per “seat,” and the instructor is Terri D. Thomas, Senior Vice President and Legal Department Director for the Kansas Bankers Association.    Designed for anyone in a financial institution who interacts with customers or has any dealings with the FDIC, this hot topic series webinar will provide information to ensure proper explanation of account structuring to reassure your customers and keep deposits in your bank.  Don’t miss the opportunity  to review the FDIC insurance coverage rules so you are armed with the information you need to address depositor concerns. With questions, please contact GBA’s Courtenay Pope at 404.420.2010.
More Protection for High-Value-Deposit Customers

If you’re concerned about retaining customers whose deposits exceed the FDIC coverage limits, there’s another tool for you to consider adding to your bank’s overall insurance program.  Excess Deposit Bond (EDB) coverage is now available from Progressive. Progressive underwrites the ABA-sponsored and GBA-endorsed Bond and D&O Insurance sharing partnership. The idea behind EDBs is simple: a cost-effective insurance policy protects depositors for amounts above what is insured by the FDIC in the event of bank insolvency, according to Progressive.

  The bonds, purchased by banks on behalf of their customers, clearly enumerate the depositors’ names, accounts and values to be insured. In this way, each depositor−whether a high-net-worth individual or a sizable not-for-profit organization−receives a certificate that proves the existence of insurance beyond what is provided by the FDIC. For more information, please contact Hayward McEver at McEver & Tribble, Inc., GBA’s Progressive underwriter, at 404.423.5677.
Mercer’s Tutterow, DBF’s Braswell Headline New Fall Economic Forums

With the current issues facing bank management, it is crucial to keep abreast of vital economic information needed to survive the challenges and prepare for growth as the economy recovers. Help is on the way:  GBA’s Fall Economic Forums.  These forums are designed for CEOs, the bank’s management team, board of directors and other key staff.  The Forums will be held on Sept.  4 at the Chattahoochee Country Club in Gainesville, Sept. 11 at Idle Hour Country Club in Macon and Sept. 23 at the Valdosta Country Club.  Dr. Roger Tutterow, professor of Economics at Mercer University, Atlanta, will provide a timely overview of the current national and regional economic environment.

   Topics include the pace of recent economic growth, the role of energy prices in consumer price inflation, recent trends in the values of real and financial assets including the current correction in the residential real estate market, valuation levels of commercial real estate, shifts in real estate financing, recent innovations in monetary policy and the fiscal and political climate inside the beltway, under the gold dome and on main street. Commissioner Rob Braswell of the Georgia Department of Banking and Finance will also discuss the latest developments in Georgia’s banking industry.  A luncheon and the opportunity to play golf will follow the meetings. Please call GBA’s Susie McGehee at 404.420.2010 with questions.
New Resource: Compliance Conference Scheduled
We are pleased to announce that the first GBA Compliance Conference is scheduled for Sept. 25-26 at The Idle Hour Country Club in Macon. The Compliance Peer Group Officers have planned an exceptional agenda including a Fair Lending and Georgia banking law update as well as such topics as preparing for a BSA exam, proposed regulatory changes, training the frontline on deposit regulations, AML and SARS, a regulatory panel discussion, and a Fair Lending workshop.    We plan for this to be an annual addition to GBA’s lineup of educational conferences. The brochure will be available soon.  Please call GBA’s Marybeth Jones at 404.420.2032 with questions or to register.
Economy, Asset Quality Hot Topics for President/CEO Conference Oct. 5-7

This year’s President/CEO Conference will offer exclusive information about the economy from Dr. Donald Ratajczak with Morgan Keegan and Company, Atlanta; current trends in community bank asset quality related to commercial real estate lending from Steve Powell, President of Steve H. Powell & Company, Statesboro; and how to manage the media and your staff in challenging times  from Lin Wood, partner with Powell Goldstein, LLP, Atlanta.  The conference is Oct. 5-7at The Westin Savannah Harbor Resort and Spa.  This event is sponsored by the Community Bankers Committee and the GBA Board of Directors and attracts bank leaders across Georgia. The committee has planned a great program packed with important information to help you manage the constant changes in today’s banking industry. 

   GBA has reserved a block of rooms at The Westin at a special rate of $200 per night for single or double occupancy, plus a $16 per room, per night resort fee. To reserve your room, please contact the hotel directly at 912.201.2000.  Be sure to tell them you are with the Georgia Bankers Association. The GBA conference room block will expire Friday, Sept. 5. Please call GBA’s Susie McGehee at 404.420.2010 with questions. 
Bank Counsel Conference Scheduled for October 5-7

An economic update, regulatory enforcement actions, capital and liquidity issues, and the ever-popular Recent Developments in Banking Law highlight this year’s GBA Bank Counsel Conference Oct. 5-7 at The Westin Savannah Harbor Resort and Spa. Senior officials from financial institution regulatory agencies will also be on hand to provide guidance on what to expect during the 2009 exams.  Held in conjunction with GBA’s President/CEO Conference, this event will also provide CLE Credits for those attending.  Other activities include golf, fishing and shooting tournaments, as well as a spouse program. 

  GBA has reserved a block of rooms at The Westin at a special rate of $200 per night for single or double occupancy, plus a $16 per room, per night resort fee. To reserve your room, please call the hotel directly at 912.201.2000.  Be sure to tell them you are with the Georgia Bankers Association. The GBA conference room block will expire Friday, Sept. 5. With questions, please call GBA’s Susie McGehee at 404.420.2010.
Operations/Technology School Scheduled for October

GBA’s Southern Operations and Technology School will be held November 2-7 at the University of Georgia.  As a resource for focused training in banking technology and operations, the school is the premier provider in the southeast and one of only a few in the country. 

  The two-year program covers four areas:  compliance, risk management, technology and general management.  A brochure about this year’s school and an application will be mailed with next week’s Bulletin.  Please call GBA’s Marybeth Jones at 404.420.2032 for details.
Exam Reviews, Lending, Principles Highlight AIB Online Courses

The following AIB online classes begin the week of August 18.  Please register two weeks in advance to secure a seat in the class. These courses are instructor-facilitated with weekly assignments, and can be taken from the comfort of your home or the convenience of your office. All you need is a computer, printer and Internet access.  (Classes with an asterisk * require Microsoft Excel Software.)

  

There is still availability in the following AIB Online classes beginning August 11.

Please see the AIB Online Course Schedule for a complete listing or call GBA’s Alison Moreau at 404.420.2034 with questions.
AIB Classroom Courses a Good Fit for In-person Learners

AIB classes meet three hours each week for two to 15 weeks and are held at a local financial institution.  If you would like to see a specific AIB course offered in your area or if you have questions about AIB classroom courses, please call GBA’s Alison Moreau at 404.420.2034. Here are the upcoming AIB classroom courses for Fall 2008:

  
Register for GBA Webinars Today

Just a reminder that GBA will offer the following webinars during the week of August 4:

   All webinars are live and allow time for questions and answers. The $250 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 Courtenay Pope at 404.420.2015.
Learn About Amendments on GA Ballots

There are three constitutional amendments that will be on Georgia ballots this November. The Association County Commissioners of Georgia (ACCG) is hosting a series of educational public forums for voters to learn more about these amendments. These forums are a great way to make sure you’re well informed about issues on the ballot. They are free to the public but ACCG does ask for an RSVP. Please notify Andrew Watson at 404.522.5022 ext. 184 if you will be attending one of these sessions or have questions. Here are details:

  1. Whitfield County- Wednesday, Aug. 6, 2008 from 1:30-3:30 p.m. at the Northwest Georgia Trade & Convention Center, 2211 Dug Gap Battle Road, Dalton, GA  30720

  

  1. Gordon County- Wednesday, Aug. 6, 2008 from 6:30-8:30 p.m. at the Calhoun Civic Auditorium, 540 Oothcalooga Street, Calhoun GA, 30701

  2. Jackson County- Thursday, Aug. 7, 2008 from 10 a.m. to noon at the Jackson County Courthouse- Jury Assembly Room, 5000 General Jackson Parkway - Jefferson, GA 30549

  3. Dawson County- Thursday, Aug. 7, 2008 from 2:30 to 4:30 p.m. at the G. L. Pete Gilleland Chambers at City Hall, 415 Highway 53 East, Dawsonville, GA 30534.
Action Request: Updates for the Directory

You should have received a request form by fax to update your banks’ information in the Georgia Financial Institutions Directory from Accuity, the directory publisher.  If you have not received your bank’s request form, please contact Janet McDowell at 770.935.8267.

  We need your information no later than Aug. 29 for inclusion in the Winter edition. For further information, please call GBA’s Kenyetta Parks at 404.420.2035.
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:

  • Deluxe Welcome Home Tool Kit (start-to-finish branch package focusing on the first 90 days of the relationship)

  • DeluxeCard Visa Gift Card

  

  • Deluxe Experience Inquiry (improve customer experience and drive new revenue)

  • Deluxe Detect (account screening to combat fraud and risk).

Deluxe Financial Services works closely with financial institutions to develop unique experiences that attract and retain customers and grow business. For more information, please call Deluxe’s Beatriz Lucki at 305.285.9212, or GBA’s Chad Wilson at 404.420.2031.
How to Earn CRA Credit for Loans or Investment in Senior Housing Crime Prevention Foundation
Help your community and earn important CRA Credit through partnership with GBA’s new Strategic Partner, the Senior Housing Crime Prevention Foundation as a new Strategic Partner. The Senior Housing Crime Prevention Foundation is a nonprofit organization based in Memphis that offers banks a measurable, no-risk, high-yielding avenue for gaining CRA credit. By making a loan or an investment with a guaranteed return, banks get credit for Community Reinvestment Act (CRA) requirements. The foundation uses the funds to set up Senior Crimestoppers programs for nursing homes and senior HUD housing units in the bank’s direct CRA assessment areas. Banks also may reposition or recycle existing bonds in their portfolios to capture the same effect, and in doing so create a new annual CRA credit from bonds in the existing portfolios.   Banks may elect to invest or lend funds to the foundation and will qualify for CRA credits either way. All dollars invested in or loaned to the foundation are fully collateralized with investment-grade bonds, which are selected with the bank’s input depending on the degree of risk it wants to take. Banks are guaranteed a return on the coupon value of the bonds minus moderate basis-points spread to cover the cost of the Crimestoppers program. For more information, please contact Tom Fehrmann at 877.232.0859 or Chad Wilson at 404.420.2031.
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.

Some of the Services Available Through GBA Services, Inc.

Bond and D&O Insurance

Holiday Decals

Checking Club Programs

Human Resources Solutions
Community Reinvestment Act

Job Bank

CRM

Marketing & Sales

Discounted Check Program

Non-Qualified Executive Benefits (BOLI)

Discounted Local & Long Distance Program

Pledging Pool Program
Federal Flood Certification Corp.

Record Retention Guide

Financial Industry Pre-Employment Assessments

Senior Housing Crime Prevention Foundation

FinCrime

Strunk & Associates, L.P.

Financial Marketing Solutions (FMS)

Thumbprint Signature Program

Georgia Financial Directory

Trust and Investment Services

Georgia Law Code Book
 
GBA Services, Inc. is governed by a board composed primarily of community bank presidents who look for the best products and services available.    They do the due diligence for you and you can rely on their efforts.  For more information or to order any of these products or services, please call 404.522.1501.
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 Lydia Thomas.
Newsmakers    
GA Banks Recognized for 2007 Earnings
 Congratulations to the Georgia banks recognized in the June issue of the Independent Community Bankers Association’s Independent Banker Magazine as being among its top-20 performers for 2007 in a variety of earnings categories, as follows.
 

Subchapter C Banks with less than $50 million in assets:

Subchapter C Banks with $50-$100 million in assets:

Subchapter C Banks with $100-$250 million in assets:

Subchapter S Banks with $50-100 million in Assets:

Subchapter S Banks with $100-$250 million in Assets:

Subchapter S Banks with $250-$500 million in Assets:
Savannah - The Coastal Bank
Congratulations to CEO Tom Wiley, the officers, directors and staff on the recent opening on the bank's Pooler branch.
 


Pooler Mayor Mike Lamb cut the ribbon as CEO Tom Wiley and members of the The Coastal Bank's management team and Board of Directors looked on.
 

Calendar of Events
Details for July & August

 

Conferences

 
Sept. 25-26 Compliance Conference Macon
Oct. 5-7 President/CEO Conference Savannah
Oct. 5-7 Bank Counsel Conference Savannah
     

Conventions/Events

 
Sept. 4//11/23 Fall Economic Forums Gainesville/
Macon/Valdosta
June 14-17, 2009 Annual Convention Colorado Springs, CO
     
 

Schools

 
Oct. 22-24 Branch Managers Institute Macon
Nov. 2-7 Southern Operations & Technology School Athens
 

 

 
 

Seminars

 
July 23 Notary Public Webinar
July 25 Basics of Real Estate Loan Documentation Webinar
July 23 Right of Setoff: When & How Can It Be Used? Webinar
July 28 Problem Loans, Part 2 Webinar
July 29 Fraud Prevention for Frontline Personnel Webinar
July 31 BSA/AML Compliance & SAR Decision Making & Documentation, Part 1 Webinar
Aug. 5 Understanding Loan Documents, Part 1- Loan Documents Webinar
Aug. 5 Health Savings Accounts: Advanced Topics on Maximizing the Benefits of an HSA Webinar
Aug. 6 BSA/AML Compliance & SAR Decision Making, Part 2 Webinar
Aug. 11 Implementing the New FACT Act Final Rules- Part 1 - Affiliate Marketing Rules Webinar
Aug. 12 Common Compliance Violations Webinar
Aug. 12 Compliance Issues for Advertising & Marketing Webinar
Aug. 13 FDIC Insurance- What Your Customers Want to Know Webinar
Aug. 13 Microsoft Excel 2007- Tips & Tricks Webinar
Aug. 14 Managing a Highly Successful Branch Webinar
Aug. 14 Problem Loans, Part 3 Webinar
Aug. 18 Implementing the New FACT Act Final Rules- Part 2 - Developing the Written Program Webinar
Aug. 19 2008 Update - Safe Deposit, the Fundamentals Webinar
Aug. 19 Understanding Loan Documents, Part 2- Real Estate Documents Webinar
Aug. 20 Check Holds Webinar
Aug. 21 Loans to Insiders Webinar
Aug. 25 Implementing the New FACT Act Final Rules- Part 3 - Developing the Risk Assessment Webinar
Aug. 27 The Top 25 Security Mistakes That a Smart Institution NEVER Makes Webinar
Aug. 28 These People Drive Me Crazy Webinar

Sept. 10

IRA Update and Review Workshop

Macon

Sept. 11

IRA Update and Review Workshop

Gainesville
Sept. 16 Basic Deposit & Operations Compliance Macon
Sept. 17-18 Basic Loan Compliance Macon
Sept. 24 GBA Health Savings Account (HSA) Seminar Macon
Oct. 22-24 Branch Managers Institute Macon
Oct. 28 Advanced Loan Documentation Macon
Nov. 5 Bank Security Seminar Macon
Nov. 13 Analyzing Personal Financial Statements Macon
Nov. 20 UCC Update Macon
   
  American Institute of Banking (AIB)  
Ongoing AIB Online Courses Online
Ongoing AIB Online - Instructor-led Online
     
  AIB Classroom Courses  
Aug. 18 Economics for Bankers McDonough
Sept. 11 Principles of Banking Atlanta
     
Board/Committee Meetings  
July 27-29 GBA Insurance Trust, Inc. Board of Directors Ponte Vedra, FL
July 28-30 GBA Retirement Services, Inc. Board of Directors. Ponte Vedra, FL
Oct. 19-21 GBA Insurance Trust, Inc. Board of Directors Young Harris
Oct. 20-22 GBA Retirement Services, Inc. Board of Directors. Young Harris
     
  Roundtables/Peer Groups  
Aug. 8 President/CEO Roundtable, Group 2 Macon
Sept. 12 President/CEO Roundtable, Group 1 Macon
Sept. 19 President/CEO Roundtable, Group 4 Macon
Oct. 15 President/CEO Roundtable, Group 5 Macon
Oct. 22 Finance Operations Officer Roundtable A Macon
Oct. 24 Finance Operations Officer Roundtable C Macon
Oct. 30 Finance Operations Officer Roundtable B Macon
Nov. 7 President/CEO Roundtable, Group 2 Macon
Dec. 2 President/CEO Roundtable, Group 4 Macon
Dec. 3 President/CEO Roundtable, Group 1 Macon
 
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