August 7, 2009 

Georgia DBF Clarifies Position on Loan Renewals
There has been concern among bankers that with asset devaluation and capital losses in the current environment, banks would not be able to modify or renew loans that were originally made under the statutory legal lending limit. Following direct discussions among GBA President Joe Brannen, GBA counsel Walt Moeling and Jerry Blanchard, and Commissioner Rob Braswell and the Department of Banking and Finance staff dealing with this issue, the Department has clarified its intent and policy stance on this issue. The Department will now take the position that if loans are modified or renewed by the bank without any additional extension of credit outstanding, such loans will not be cited for a violation of the Georgia legal lending limit.   It is important to note, however, that the fact that a violation of the rule is not being cited should not be interpreted as a finding of creditworthiness by the Department; the decision to classify a credit or credit relationship shall be an independent process from the application of statutes and rules. The Department has adopted this new interpretation as a result of the current challenging environment facing the financial services industry. The Department expects that when a loan can be re-worked to bring it into compliance, it should be brought into compliance. Look for more information from the Department soon. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420,2027.
Reg. Reform Update: Prudential Regulators Spell out More Concerns over Proposals
In Senate testimony this week, major banking regulators expressed concerns about the administration’s regulatory reform proposals. All four regulators testifying at Tuesday’s hearings opposed giving their consumer protection powers to a new agency. Their testimony is available online through the Senate Committee for Banking, Housing and Urban Affairs. And, there is contentious debate about the administration’s plan to consolidate the Office of Thrift Supervision and the Office of the Comptroller of the Currency into a new National Bank Supervisor while leaving state-bank supervision under the FDIC and Federal Reserve, whose role in supervising bank holding companies would be strengthened.   Senate Banking Committee Chairman Chris Dodd (D-Conn.) and Sen. Charles Schumer (D-N.Y.) voiced strong support for a single regulator. FDIC Chairman Sheila Bair testified against a single regulator, and Comptroller of the Currency John Dugan said he opposed the administration's proposal to eliminate pre-emption of state consumer protection laws. As we’ve noted in previous Bulletins, GBA opposes the proposed Consumer Financial Protection Agency and the elimination of thrift and mutual charters. We continue to urge you to share your concerns with your representative during the August Congressional recess. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420,2027.
New Guidance out on ALLL for Mortgages Secured by Second Liens

There’s new guidance out from regulators about estimating credit losses and setting aside loan loss allowances on loans secured by junior liens on 1-4 family residential properties in areas where there have been declines in the value of such properties.

  The Financial Institution Letter says historical loss considerations should be adjusted at least quarterly for changes in trends, conditions, and other relevant factors in the current economic environment that affect repayment of the loans in the group as of the allowance evaluation date. Pay close attention to this guidance as it could require more significant ALLL reserves.
GBA in the News: Mortgage Modification Efforts Graded
Efforts by mortgage lenders and the government to help modify mortgages are making progress, but it is taking time to ramp up the new Home Affordable Mortgage Program that began in April. Treasury reported this week that more than 400,000 mortgage-loan modification offers have been extended and more than 230,000 trial modifications have begun under the Making Home Affordable Program. The report drew significant news coverage nationally. One thing we are emphasizing is that this report grades only one program. Member banks have reported making hundreds of thousands of modifications nationally outside the scope of Making Home Affordable.   In an interview with Atlanta’s WXIA TV, GBA’s David Oliver explained that based on the Hope Now statistics from the nation’s 27 largest mortgage lenders through June, we estimate that about 10% of the 1.6 million Georgia mortgages those lenders are responsible for have been modified to date since mid 2008. Lenders have been working hard to staff up to meet tremendous demand and to train staff on how to make the government’s Home Affordable modifications. Member banks expect the pace to pick up in the coming months.
Local Business and Development Expert Panel New to Fall Economic Forum Format, Register Now
Don’t miss the opportunity to learn about the most up-to-date business conditions in your own back yard at GBA’s Fall Economic Forums. At each forum, Dr. Roger Tutterow, professor of Economics at Mercer University, Atlanta, will facilitate a panel comprised of local business and economic development experts who will share their insight about the business climates in their communities. The panel will discuss current and expected business conditions for their organization, what they are hearing from their clients, their ongoing challenges and areas for growth that the banking industry can help facilitate.   This is a brand new feature and value we've added to the format this Fall. Dr. Tutterow will also give a timely overview of the current national and regional economic environment. Georgia Banking Commissioner Rob Braswell will also be on hand to discuss current issues in bank regulation, the banking climate from the Department’s view and to answer your most pressing questions. These forums will be held Sept. 9 at Doublegate Country Club in Albany, Sept. 10 at Savannah Quarters in Savannah, and Sept. 22 at the Cobb Galleria Centre in Atlanta. With questions, contact GBA’s Susie McGehee at 404.420.2010.
2009 BankPAC Campaign Update
The following companies have contributed to the GBA StatePAC:

  • Athens First Bank & Trust, Bill Douglas, CEO

  • Heritage Bank, Jonesboro, Leonard Moreland, CEO

  • Commercial Bank & Trust, LaGrange, Bobby Carmichael, CEO

  • Bank of Monticello, Steve Jordan, CEO

  • Southwest Georgia Bank, Moultrie, DeWitt Drew, CEO

  • Commercial Banking Company, Valdosta, Chuck Beard, CEO

  • Darby Bank and Trust Company, Vidalia, Ray Fisher, CEO

  • Bank of Wrightsville, Wayne Herringdine, President

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

  • Habersham Bank, Clarkesville, Eddy Ariail, President

  • Community Bank & Trust, Cornelia, Charlie Miller, CEO

  • Pinnacle Bank, Elberton, Jackson McConnell, CEO

  • Heritage Bank, Jonesboro, Leonard Moreland, CEO

  • Atlantic Southern Bank, Macon, Mark Stevens, CEO

  • Commercial Banking Company, Valdosta, Chuck Beard, CEO

  • North Georgia Bank, Watkinsville, Chuck Williams, CEO

  • Financial Supermarkets, Inc., Cornelia, Roy Bell, CEO

Please see the BankPAC Update for year-to-date contributions by group. For more information, please contact Elizabeth Chandler at 404.420.2027.
Compliance Risk Assessments for Community Banks to be Discussed at Compliance Conference

A comprehensive compliance risk assessment is a critical key for success in the dynamic regulatory environment that exists today. Do you know which areas of your bank are most vulnerable to risk? Are your key risk indicators being measured on a regular basis? Is there an accurate and organized report on the state of your bank’s compliance risks? Elizabeth Snyder, CRCM with Leaders Bank, Oak Brook, IL, will answer these questions and many more at her session entitled, “Compliance Risk Assessments for Community Banks” at GBA’s Annual Compliance Conference.

  Whether you need to complete your first compliance risk assessment or enhance the risk assessment you already have, this session will provide ideas and tools to assist you in the process. The Compliance Conference will be Sept. 17-18 at The Idle Hour Country Club in Macon. With questions, please contact GBA’s Marybeth Jones at 404.420.2032.

What's With All the Tweet Talk and Is My Face Really a Book?

President/CEO Conference Features Session about Social Media and Interactive Marketing

The goal of marketing is to be able connect your message to your target market in a way that is relevant and creates a positive experience. However, with each generation that point of connection is changing. Generations X and Y are not reading the newspaper and watching news on TV like the baby boomers. So, where do you find these new customers and the new generation in order to communicate your message and market your bank? Join Tim Pannell, President and CEO of Financial Marketing Solutions, Franklin, TN, as he shares his thoughts about the growing trend of social media and interactive marketing and why your bank should engage your customers through these mediums.  

It’s not a matter of “if” your bank should be involved in social media and interactive marketing but rather “when” and “how.” The President/CEO Conference is scheduled for Oct. 4-6 at The Ritz-Carlton Lodge, Reynolds Plantation in Greensboro. GBA has reserved a block of rooms at a great rate of $159 per night for single or double occupancy. Please contact the hotel directly at 706.467.0600 to reserve your room. The GBA room block will expire Friday, Sept. 4. With questions, please contact GBA’s Susie McGehee at 404.420.2010.
The Growing Role of the Board Director to be Debated at Bank Counsel Conference
Join a panel of seasoned professionals as they discuss how the role of boards of directors is growing and changing in the current industry climate. Walt Moeling, partner with Bryan Cave Powell Goldstein, Atlanta; Richard R. Cheatham, partner with Kilpatrick Stockton, LLP, Atlanta; and Patrick Frawley, President and CEO of New Millennium Banking Solutions, LLC, Atlanta, will explore whether the role of directors is increasing either legally and practically. They will also touch on some of the ethical conflicts and other dilemmas that bank counsel may face when dealing with boards and individual directors. The Bank Counsel Conference is scheduled for Oct. 4-6 at The Ritz-Carlton Lodge, Reynolds Plantation in Greensboro, and will be held in conjunction with GBA’s annual President/CEO Conference.   GBA has reserved a block of rooms at a value rate of only $159 per night for single or double occupancy. Please contact the hotel directly at 706.467.0600 to reserve your room. The GBA room block will expire Friday, Sept. 4. With questions, please contact GBA’s Susie McGehee at 404.420.2010.
 
What's Next in Marketing? Annual Marketing Conference to Identify Evolutionary Steps for Success
This year’s Marketing Conference is scheduled for Oct. 27-28 at the Cobb Galleria Centre in Atlanta. GBA’s Marketing Committee has planned an exciting agenda. This year’s conference theme is “Marketing Evolution: What’s Next?” In these times of change and challenge, your bank's marketing efforts will be key in ushering in the next evolution in banking products, services and customers.   This year’s conference will focus on the present and the future, helping your bank be prepared for coming changes, resourceful in your marketing efforts, inspired by the unique opportunities before us, and ready to adapt, embrace and be responsive to continued challenges in the industry. For more information or to register, please contact Marybeth Jones at 404.420.2032.
Loan Documentation Seminars: Save $50 by Registering for Combo

GBA's upcoming one-day Loan Documentation seminar will cover how to document the condition of a loan's collateral, the condition of the title and the condition of the borrowers and guarantors. Keep your records in compliance and your customers satisfied by keeping up to speed with the basics of loan documentation. The Loan Documentation seminar is designed for loan officers, loan administrators and credit administrators at every level.

  Thompson Kurrie Jr. and Harrison Coleman, partners with Coleman Talley, LLP in Atlanta and Valdosta are the instructors. The seminar is Thursday, Sept. 10, at Idle Hour Country Club in Macon. The registration fee is $225, but if you also register for the Advanced Loan Documentation seminar on Oct. 22, you will receive a discounted rate of $400 for both seminars -- a $50 savings. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
New Seminar: Understanding Deferred Taxes – Sept. 16

Income tax is one of the largest expense items for most banks, yet it is often one of the least understood line items. The Understanding Deferred Taxes seminar will walk through how the expense is computed, the practical aspects of making estimated payments and what creates the deferred tax balances that remain on your balance sheet. We will review the Financial Statement footnote disclosures, including how to prepare them, and the computation of the amount of a deferred tax asset that is disallowed from your computation of Tier 1 Capital on the Call Report.  

   We will also review the disclosure requirements under FIN 48 that becomes effective for all public companies in 2009 reporting. The Understanding Deferred Taxes seminar is slated for Sept. 16 at Idle Hour Country Club in Macon. The seminar will be led by Janet Sammons with Porter Keadle Moore, LLP. With questions or to register, please contact GBA’s Courtenay Pope at 404.420.2015.
Mark Your Calendar for GBA's IRA Update Seminar – Sept. 22 & 23
Make plans to register for one of the GBA's upcoming IRA Update seminars either Sept. 22 at the Holiday Inn Lanier Centre in Gainesville or Sept. 23 at Idle Hour Country Club in Macon. The session is designed for IRA personnel in New Accounts, CDs, Trust, Investments and Savings Departments who are involved with the opening, selling, and administration of IRA accounts. This is considered an “Intermediate” workshop for those with two years or more of experience.   This comprehensive seminar will provide a thorough update and review of the significant final regulations regarding the Pension Protection Act and other IRA legislation. The seminar will be led by Patrice Konarik with Sunwest Training Corp. in Kendalia, TX. With questions or to register, please contact GBA’s Courtenay Pope at 404.420.2015.
AIB Instructor-led Online Learning: CRCM Review Course, Consumer Lending, Principles of Banking
Here are the instructor-led AIB online classes offered the week of Aug. 17:   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.) There is still availability in these classes. Please register as soon as possible to secure a seat in the class. Please see the AIB Online Course Schedule for a complete listing or call GBA’s Alison Moreau at 404.420.2034 with questions.
Commercial Lenders, Don’t Miss Out: AIB Analyzing Financial Statements Classroom Course
AIB Analyzing Financial Statements is a must-take course for commercial loan officers, credit analysts and trainees who have a basic knowledge of financial accounting principles and practices and a familiarity with the commercial lending process. This AIB course provides the skills needed to effectively assess a borrower’s ability to repay loans. It builds core competencies through instruction and application based on actual small-business lending cases.   Class will begin Tuesday, Sept. 15, and meet every Tuesday from 6-9 p.m. for 10 weeks ending Nov. 17. The registration fee is $270, which includes the cost of the textbook. This class will be taught by Peter Faser of Sterne Agee at Northcreek Office Park, 3715 Northside Parkway, Building 200, Atlanta, GA 30327. With questions about this course or to register, contact GBA’s Alison Moreau at 404.420.2034.

August Webinars – Register Today:

ACH 101, Deposit Compliance, and Legal Issues Involved in Collection
Just a reminder that GBA will offer the following webinars the week of Aug.10:  

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 GBA’s Courtenay Pope at 404.420.2015.
Status of Important Banking Cases
Our thanks to the Office of the General Counsel of the American Bankers Association for making available the newest edition of the Status of Important Banking Cases to the members of our Bank Counsel Section.   This monthly report provides up-to-date information about litigation involving banks across the country and is another member benefit for the attorneys in GBA's Bank Counsel Section. With questions about how your bank's attorney can participate in the Section, please call GBA's Kenyetta Parks at 404.420.2035.
GBA Retirement Plans Announce Second Quarter 2009 Results
Second Quarter 2009 was rebound time for investors in the stock market. All of the LifeStylesSM portfolios greatly exceeded their year-to-date benchmarks, and participants who stayed invested in equities and maintained a long-term investment philosophy recovered some of their losses from 2008. For GBA Retirement plan participants, the investment returns of both investment managers, Reliance Trust Company and Atlanta Capital Management, performed well against major market indexes and other competitive funds and models. For example, the S&P 500 index earned only 3.16% year-to-date through June 30, while all of the LifeStylesSM portfolios are up by more than 10%. Please refer to the update for detailed returns. Both firms continue to focus on high-quality stocks and mutual funds to help minimize risks in the portfolios and funds. The LifeStylesSM portfolios are a great way to ensure participants are well diversified and to allow participants to make investment decisions in a simplified way.   Please see the Second Quarter 2009 investment newsletters produced by Reliance Trust Company and Atlanta Capital Management. Members of the GBA Master Trust have ongoing investment education for their participants through re-enrollment meetings and an enrollment DVD or online video. GBA Retirement Services, Inc. continues to focus on long-term performance and diversification as a primary objective when investing in retirement plans. The third-party 401(k) administrator for the GBA Master Trust, Alliance Benefit Group, continues to do an outstanding job providing daily 401(k) administration, timely turnaround of quarterly statements, ongoing web site features and upgrades, and annual training and education for the member banks in the Trust. Alliance Benefit Group also offers payroll services for Trust members at reduced rates. Please call Mandy Richards at 404.420.2025 for information about how GBA Retirement Services can help design or improve your retirement plan.

Get Soup-to-Nuts Employee and HR Compliance Toolkits from GBA Strategic Partner

Keeping up with changing employment regulations and human resources best practices can be time consuming. Monitoring changes specific to the banking industry adds even more effort to the task. Employment Law Compliance, Inc. is a Strategic Partner of the Georgia Bankers Association and our primary resource to provide employee handbooks, toolkits, affirmative action plans, and other compliance products specifically designed for community banks.   Employment Law Compliance focuses on the needs of community banks that do not have the luxury of a large Human Resources staff or in-house employment counsel. The company’s staff is committed to designing and maintaining solutions and services that can help your bank ensure a competitive, efficient and welcoming workplace for your employees. For more information, please contact ELC’s Steven Greene at 770.206.3371 or GBA’s Levi Crabtree at 404.420.2022.

How to Develop and Retain Your Company’s Top Employees

Now, more than ever, it’s time to make sure you hang on to your top talent and pay special attention to developing the entire team. With TalentQuest, building, developing and retaining an ‘all star’ team will position your organization to capitalize on opportunities that will undoubtedly exist when the economy begins to recover. A comprehensive, carefully structured talent management program can provide better visibility into top, mid-level, and low-performing employees, enabling a financial institution to manage them accordingly. In addition, companies can more effectively source high-quality candidates, develop and retain the top talent they already have, and build more reliable succession plans. And, as the most successful organizations know, having the best people isn’t simply an ideal; it is a competitive necessity and one of few true differentiators.

  So how do financial institutions accomplish this? TalentQuest, for Financial Services, integrates standardized job descriptions, competency models and Peak Performer Profiles into a talent management system designed to guide financial institutions through each stage of the employee lifecycle. Now more than ever, it is crucial to ensure you have the right people in the right places and that your top talent is fully engaged.  Doing so will help you gain efficiencies, which will ultimately help you outperform your competitors in 2009 and beyond. For more information, please contact TalentQuest’s Jon Naphin at 404.965.5221.
Four Ways GBA Can Help Your Customer Service Shine

In these trying times, the GBA continues to serve as a key resource to help members maintain an excellent level of customer service. GBA resources that can help your service shine include:

  

  • More than 180 Associate Members readily available to assist you in various areas to maintain excellent customer service.

  • The GBA Job Bank to help you find qualified service bankers and advertise positions available at your bank. This can help you find quality, experienced banker talent.

     

For more information about these and any of the products and services or services offered by GBA and GBA Services, Inc., contact Levi Crabtree, 404.420.2022 or Kenyetta Parks, 404.420.2035.

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 Lydia Thomas.
Newsmakers
 		    
Ailey - Montgomery Bank & Trust
Pete Robinson, Chairman of Troutman Sanders Strategies, has been named Chairman of the bank’s Board of Directors. Also serving on the bank’s Executive Committee are State Representative Greg Morris and Lloyd Moses, Vice President of Moses Grass Company.

Atlanta - Fidelity Bank
Steven Canup has joined the bank as City Executive of Winder.

Rome - Citizens First Bank
Brad Roberts has been promoted to Senior Vice President, Commercial Lending.		  


Rep. Greg Morris, Pete Robinson & Lloyd Moses
 

Canup
Roberts

Calendar of Events
Details for August & September

 

Conferences

 
Sept. 17-18 Compliance Conference Macon
Oct. 4-6 Bank Counsel Conference Greensboro
Oct. 4-6 President/CEO Conference Greensboro
Oct. 27-28 Marketing Conference Atlanta
Dec. 3-4 Credit Conference Atlanta
Jan. 20-21, 2010 Financial Risk Management Conference Atlanta
Mar. 2-3, 2010 Operations and Technology Conference Atlanta
Mar. 17-19, 2010 HR Professionals Institute Atlanta
Apr. 13-14, 2010 Security Conference Atlanta
May 13-14, 2010 Rural Development and Lending Conference Savannah
     

Conventions/Events

 
Sep. 9 Fall Economic Forum Albany
Sep. 10 Fall Economic Forum Savannah
Sep. 22 Fall Economic Forum Atlanta
     
 

Schools

 
Nov. 1-6 Southern Operations and Technology School Athens
May 2-7, 2010 Georgia Banking School Athens
 

 

 
 

Seminars

 
Aug. 7 Problem Loans, Part 3: Repossession & Sale of Collateral Webinar
Aug. 10 ACH 101 Webinar
Aug. 11 In Search of More Deposits: Don't Forget the Compliance Requirements Webinar
Aug. 12 AML Compliance for Lenders Webinar
Aug. 13 Legal Issues Involved in Collection Webinar
Aug. 19 Security & Risk Management, Part 1- The Top 25 Security Mistakes a Smart Institution NEVER Makes Webinar
Aug. 20 Network Security 2009, Part 2: The Network Security Headache: Is There an Easy Remedy? Webinar
Aug. 25 Loan Documentation in Tough Times Webinar
Aug. 26 Security & Risk Management, Part 2- Conducting a Premises Security Review Webinar
Aug. 27 Records Management and Retention: Can a Program be Comprehensive and Efficient at the Same Time- Webinar
Aug. 27 Credit Bureau Reporting, Data Accuracy & FACTA 312, Part 2: Detailed Data Auditing & Testing Techniques Webinar
Sept. 2 Network Security 2009, Part 3: Social Engineering: The Easiest Way to Get Access to Your Systems or Information Webinar
Sept. 3 Opening New Accounts I Webinar
Sept. 3 IRA Basics Webinar
Sept. 8 Security & Risk Management, Part 3- Insider Abuse & Contractor Fraud Webinar
Sept. 10 Learn From Others' Mistakes - Common Compliance Violations and How to Avoid Them Webinar
Sept. 10 FDIC Insurance: What Your Customers Want to Know Webinar
Sept. 10 Loan Documentation Macon
Sept. 15 Safe Deposit the Fundamentals - 2009 Update Webinar
Sept. 15 Managing a Successful Branch, Part 1 Webinar
Sept. 16 Understanding Deferred Taxes Macon
Sept. 16 Paper Checks, Remote Deposit Capture, ACH & Electronic Transfers: What Law Applies & Who is Liable- Webinar
Sept. 16 GBA Insurance Trust Online Enrollment System and General Update Seminar Seminar
Sept. 17 Dealing with Subpoenas, Summonses, Garnishments & Tax Levies Webinar
Sept. 17 These People Drive Me Crazy Webinar
Sept. 22 Managing a Successful Branch, Part 2 Webinar
Sept. 22 IRA Update and Review Workshop Gainesville
Sept. 23 IRA Update and Review Workshop Macon
Oct. 14 Introduction to Consumer Lending Macon
Oct. 22 Advanced Loan Documentation Macon
Nov. 4 Analyzing Personal Financial Statements Macon
Nov. 10 Bankruptcy, Garnishment, Liens & Levies Macon
Nov. 17 Advanced Consumer Lending Macon
Dec. 10 Collections and Recoveries Macon
Dec. 17 Analyzing Commercial Financial Statements Macon
   
  American Institute of Banking (AIB)  
Ongoing AIB Online Courses Online
Ongoing AIB Online - Instructor-led Online
     
  AIB Classroom Courses  
Sept. 15 Analyzing Financial Statements Atlanta
     
Board/Committee Meetings  
Aug. 12 Credit Committee Atlanta
Aug. 26 Asset/Liability Committee Atlanta
Sept. 24-25 Leadership GBA Fall Planning Meeting Atlanta
Oct. 6 GBA Board of Directors Greensboro
Jan. 13, 2010 GBA Board of Directors Atlanta
     
  Roundtables/Peer Groups  
Aug. 21 President/CEO Roundtable, Group 1 Macon

Oct. 21

Finance/Operations Roundtable, Group A

Macon

Oct. 22

Finance/Operations Roundtable, Group B

Macon

Oct. 23

Finance/Operations Roundtable, Group C

Macon
Oct. 29 Bank Trainer Peer Group Macon

Nov. 4

President/CEO Roundtable, Group 5

Macon
Nov. 5 President/CEO Roundtable, Group 4 Macon
Nov. 6 President/CEO Roundtable, Group 2 Macon
Nov. 20 President/CEO Roundtable, Group 1 Macon
 
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