July 31, 2009 

Regulatory Reform Update Part 1:
Expect Legislation from the House in the Fall, Prudential Regulators Buck Back
House Financial Services Committee Chairman Barney Frank (D-MA) said this week that Congress will pass a package of regulatory restructuring proposals in some form by the end of the year. He said his committee will approve a series of bills that will be combined into a single package for House floor consideration in September or October. He outlined some areas of disagreement with the Administration’s proposals, including the plan to have the proposed Consumer Financial Protection Agency design “plain vanilla” products that financial institutions would have to provide. Also, in recent testimony to the House Financial Services Committee, Comptroller of the Currency John Dugan and Federal Reserve Chairman Ben Bernanke related concerns about separating rulemaking and enforcement that would come with enactment of the CFPA. Dugan said, “To the extent the banking agencies have been criticized for consumer protection supervision, the fundamental problem has been with the lack of timely and strong rules -- which the CFPA would address -- and not the enforcement,” Bernanke argued that the Fed should keep its powers to protect consumers from potentially risky financial products because of the synergies that otherwise would be lost.   “Both the substance of consumer protection rules and their enforcement are complementary to prudential supervision,” he said. “Poorly designed financial products and misaligned incentives can at once harm consumers and undermine financial institutions.” FDIC Chairman Sheila Bair expressed her views lately that a CFPA should focus solely on nonbanks. We continue to encourage you to speak to your own member of Congress during the August recess, and we will keep you updated about the legislation and its potential impact on your bank to help you have meaningful discussions. Key things to note continue to be that focus of reform should be on regulating the unregulated market segments that caused the most economic damage - not the already heavily regulated commercial banking sector, the danger in separating safety and soundness from consumer protection, the possible confusion that doing away with federal preemption of state consumer protections could have and the sheer breadth of powers the agency would have. With questions, contact Joe Brannen at 404.420.2026 or Elizabeth Chandler at 404.420.2027.
Regulatory Reform Update Part 2:
Administration Proposes Legislation for National Bank Supervisor, Too-Big-to-Fail Authority
Late last week, the Obama administration sent proposed legislation to Congress that would create a National Bank Supervisor and establish a resolution authority to unwind large systemically significant failed firms. The National Bank Supervisor would be created by consolidating the Office of Thrift Supervision and the Office of the Comptroller of the Currency. The consolidation also would eliminate the thrift charter and make mutual saving banks switch from a thrift charter to a mutual bank charter. As we’ve noted before, we’re opposed to eliminating the thrift charter because there remains a need for a housing-focused bank charter. The draft bill would also change how exam fees are set. Fees for banks with more than $10 billion in assets would be based on size, complexity, and financial condition, not charter. Smaller institutions would be assessed fees no higher than the average charged by states for banks of similar size.   The move would lower fees for many smaller institutions, Treasury officials said. The proposed too-big-to-fail resolution authority, which would supplement bankruptcy laws, would be modeled on the existing resolution regime for banks. Use of the authority would be subject to a two-thirds vote by the Federal Reserve Board, FDIC Board or the Securities and Exchange Commission, as well as the approval of Treasury. The authority would give Treasury the right to appoint the FDIC or SEC as a conservator or receiver for a failing financial firm that threatened overall financial stability. We’re just beginning to examine the language of the legislation to better understand teh bill and its ramifications. With questions, contact Joe Brannen at 404.420.2026 or Elizabeth Chandler at 404.420.2027.
Attorney General Asked to Withhold Support for Consumer Protection Agency
GBA President Joe Brannen asked Georgia Attorney General Thurbert Baker not to sign a letter being circulated among Attorneys General nationwide that supports congressional efforts to establish a new Consumer Financial Protection Agency.   The letter in question is addressed to the leadership of the House Financial Services Committee and the Senate Banking Committee and conveys the group’s support for the passage of legislation to create the new consumer agency. We have detailed our opposition to this agency for you in the past several weeks and a copy of Joe’s request to Attorney General Baker can be viewed here.
GBA-supported Amendment Exempts Smaller Institutions from Say on Pay Legislation
GBA, other state banking associations and the ABA helped head off an amendment to H.R. 3269, the Corporate and Financial Compensation Fairness Act, that would have exempted only credit unions from “say on pay” provisions. Instead, we supported an alternative amendment offered by Congressman Jeb Henserling (R-TX) that would exempt all financial institutions under $1 billion in assets from section 4 of the bill. This amendment was adopted with the support of Committee Chairman Barney Frank (D-MA).   H.R. 3269 would require annual, non-binding shareholder votes on executive compensation and non-binding votes on “golden parachute” packages. It would prohibit pay structures at financial institutions that encourage “inappropriate risks” which “could have serious adverse effects on economic conditions or financial stability; or could threaten the safety and soundness of the covered financial institution." The bill also would require compensation committee independence. In addition to the Henserling amendment, the amended bill provides additional authority to exempt institutions further.

Credit Union Update: Bill Introduced to Boost CU Business Lending Limits
Be aware there’s a new attempt to increase business lending limits for credit unions. House Financial Services Capital Markets Subcommittee Chairman Paul Kanjorski (D-PA) and Rep. Ed Royce (R-CA) introduced legislation (H.R. 3380) that would more than double credit unions’ member business lending limits.   The bill would extend the limits to 25 percent of assets, up from the current 12.25 percent limit. The bill also would exclude business loans under $250,000 from the cap, five times the current limit of $50,000. A section-by-section summary of the bill is available here. We oppose this legislation.
Guidance Requested on Using Distressed Properties as Appraisal Comparables
GBA and other bank groups continue to press for better, more reasonable appraisal guidelines and decision making during this period of unique economic conditions. This week, ABA and three other trade groups wrote to the federal banking regulators asking them to issue swift guidance that instructs appraisers about proper procedures for using distressed and/or foreclosed properties as comparables.   Some appraisers frequently use “distressed and foreclosed property sales as comparables in conjunction with appraisals on single family home sales without properly adjusting the comparable property values to reflect the relative condition of the properties,” the joint letter said, explaining that such improper or insufficient adjustments often cause new sales transactions to be undervalued and contribute to the continuing downward spiral in home prices that can forestall the economic recovery. With questions, contact Joe Brannen, 404.420.2026 or Elizabeth Chandler, 404.420.2027.
Fed Proposes Reg. Z Changes to Disclosures on Closed-End Mortgages, HELOCs

The Federal Reserve has proposed amendments to Regulation Z it says are intended to improve consumer disclosures on closed-end mortgages and home equity lines of credit. At first glance, these are pretty broad and extensive proposals that may not, in the end, meet the goal of simplifying things for consumers so they better understand the cost of credit. Here’s a link to highlights of the proposals.

   There will be a 120-day comment period on the proposals after publication in the Federal Register. We’re studying the proposals and would like your thoughts about comments to be filed. Contact Joe Brannen, 404.420.2026 or Elizabeth Chandler, 404.420.2027.
GBA Helps Public Television Viewers Understand Foreclosures

GBA was called on as an important resource last week by Georgia Public Broadcasting for a special program it aired, Facing the Mortgage Crisis, to help viewers understand, avoid and get help with foreclosures. GBA’s Joe Brannen participated in a panel discussion about what borrowers should do if they are faced with possibly missing mortgage payments or if they are concerned about the possibility of foreclosure. Other panelists for that segment included personal finance guru Clark Howard and Atlanta Legal Aid’s Sarah Bolling.

  We focused on encouraging borrowers to immediately contact their lender if or when they think they may miss a payment, helping people understand that foreclosure isn’t an immediate process and that bank and government modification programs are working for many. The panel Joe participated on is the second panel discussion in the show, which is accessible in its entirety through this link.
Good News in Fight against Fraud: New Driver’s Licenses Coming This Fall

Make sure you are on the lookout this fall for the new Georgia driver’s licenses. The helpful thing for banks is that these new licenses and ID cards are designed to be more difficult to counterfeit, alter or replicate. The new cards will feature machine-readable barcodes that can be used by banks, retailers and other businesses to verify the information printed on the front. The license will remain roughly the size of a credit card.

  The new cards have several security features including ghost photos, a laser-engraved signature over the primary photo to minimize alterations and a tamper resistant coating placed over the card. And, even interim licenses will be printed on secure paper and include a photo and signature, issue date and other security features. You should begin seeing these by September. New card production will begin at Conyers, Covington and Locust Grove in September. Statewide implementation of the new system is scheduled to take about two months, with all customer service center locations producing the new cards by the end of November. All previously issued Georgia licenses and IDs will remain valid until the expiration date when they will be exchanged for a newly-designed card. See the news release and brochure.
GBA’s Brannen Completes Term as Bar Foundation President
GBA president and CEO Joe Brannen recently completed a two-year term as President of the Georgia Bar Foundation. The Foundation is an arm of the Georgia Supreme Court and the members of the Board are appointed by the Court. The board is tasked with the responsibility of overseeing the money paid by banks as interest on lawyers trust accounts (IOLTA). The funds are primarily used to support civil legal service programs for the poor and are distributed to law-related organizations statewide. “The Georgia Bar Foundation is one of few in the country that has banks represented on the board,” Brannen said. “In fact, the first banker president ever of any of these foundations was Steve Melton, president of Columbus Bank & Trust several years ago. Steve set the proper tone to help the board understand how banks handle IOLTA accounts and that the interest paid is a significant cost of doing business. It has been a pleasure to serve on the board for several years and see firsthand how these funds can be used to support such significant needs in our communities.”  


Incoming Foundation President, State Court of Fulton County Judge Patsy Y. Porter (left), Joe Brannen, and Chief Justice of the Georgia Supreme Court Carol W. Hunstein
2009 BankPAC Campaign Update
The following companies have contributed to the GBA StatePAC:

  • The Citizens Bank of Americus, Rick Whaley, CEO

  • National Bank of Georgia, Athens, Bill Hopper, CEO

  • Regions Bank, Atlanta, Bill Linginfelter, CEO

  • Reliance Trust Company, Atlanta, Ken Phelps, CEO

  • United Community Bank, Blairsville, Andy Williams, President

  • Planters and Citizens Bank, Camilla, Jud Vann, CEO

  • First State Bank of Randolph County, Cuthbert, Charlie Curry, CEO

  • Alliance National Bank, Dalton, Andy Walker, CEO

  • First Bank of Dalton, Dalton, Scott Sellers, President

  • Bank of Dawson, Dawson, Barry Lyle, CEO

  • Pinnacle Bank, Elberton, Jackson McConnell, CEO

  • Monroe County Bank, Forsyth, Bill Bazemore, CEO

  • Chattahoochee Bank of Georgia, Gainesville, Jody Lail, CEO

  • KeyWorth Bank, Johns Creek, Jim Pope, CEO

  • First Landmark Bank, Marietta, Ron Francis, CEO

  • Liberty First Bank, Monroe, Dawn Griffin, CEO

  • The Citizens State Bank, Reynolds, La Wanna Hill, CEO

  • Bryan Bank & Trust, Richmond Hill, Jimmy Burnsed, CEO

  • Vinings Bank, Smyrna, Dan Oliver, CEO

  • Guardian Bank, Valdosta, Ansel Clark, CEO

  • Bank of Dooly, Vienna, Neil Joiner, CEO

  • PrimeSouth Bank, Waycross, Nick Taylor, CEO

  • Progressive Insurance Companies, Mayfield Heights, Renee Paul

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

  • The Citizens Bank of Americus, Rick Whaley, CEO

  • Athens First Bank & Trust, Bill Douglas, CEO

  • Signature Bank of Georgia, Atlanta, Freddie Deutsch, CEO

  • United Bank, Barnesville, Jim Edwards, CEO

  • Planters and Citizens Bank, Camilla, Jud Vann, CEO

  • Alliance National Bank, Dalton, Andy Walker, CEO

  • Monroe County Bank, Forsyth, Bill Bazemore, CEO

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

  • Exchange Bank, Milledgeville, Henry Pope, CEO

  • Liberty First Bank, Monroe, Dawn Griffin, CEO

  • Ameris Bank, Moultrie, Ed Hortman, CEO

  • Bryan Bank & Trust, Richmond Hill, Jimmy Burnsed, CEO

  • First Chatham Bank, Savannah, Brian Foster, CEO

  • Vinings Bank, Smyrna, Dan Oliver, CEO

  • Guardian Bank, Valdosta, Ansel Clark, CEO

  • North Georgia Bank, Watkinsville, Chuck Williams, CEO

  • Jones, Walker, Waechter, Poitevent, Carrère & Denègre L.L.P., Atlanta, Gary Pannell, Attorney

  • The Alliance Group, Dalton, David Gregg

For more information, please call Elizabeth Chandler at 404.420.2027.
Fall Economic Forums: Corrections in the Residential and Commercial Real Estate Markets
Join Dr. Roger Tutterow, professor of Economics at Mercer University, Atlanta, at the GBA Fall Economic Forums and hear his timely overview of the current national and regional economic environment. The focus will be on the determinants of the current recession including the roles of energy prices, the “credit crunch” and the ongoing corrections in the residential and commercial real estate markets. In addition, he will consider how recent economic development initiatives have affected bank performance, including increases in non-performing assets, adjustments to loan loss reserves and changes in lending standards.   Discussion will include analysis of data from surveys of lending officers and regional banking executives. Georgia Banking Commissioner Rob Braswell will also attend each Forum 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.
Loan Modification Compliance is Pre-Conference Workshop Topic for Compliance Conference

The economic downturn has created riskier borrowers and falling home values. As customers seek relief from lenders, do you know how to manage loan modifications that meet the challenges posed by the rocky road of fast-changing regulations? Join Jerry Blanchard with Bryan Cave Powell Goldstein, Atlanta, and Tammy Stacy with The Brand Banking Company, Lawrenceville, at the Compliance Conference’s Pre-Conference Workshop as they discuss proposed credit card changes, HELOC and other open-end products. We noted earlier some proposed changes to these regulations, so Jerry and Tammy will likely have updates about that, too.

   They will cover analysis each loan servicer should complete to minimize fair-lending risk of closed-end loan modifications and how to document the assessment and the loan modification. They will discuss the fair-lending considerations, disclosure requirements and restrictions on changes in terms to ensure that your credit risk managers understand the regulatory issues. 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.
Economist Keating to Provide Economic Update at President/CEO and Bank Counsel Conference

No President/CEO Conference or Bank Counsel Conference would be complete without an economic update. This year’s update will come from nationally known Joe Keating, Chief Investment Officer with RBC Bank, Raleigh, NC. Keating will address today’s economy, both national and state, and discuss the outlook for the remainder of 2009 and 2010. Has the economic recovery begun? If not, when will it begin? Find out the answers to these questions and many more when Keating outlines projections of interest rates, inflation, growth and employment.

 

Both conferences are scheduled for Oct. 4-6 at The Ritz-Carlton Lodge, Reynolds Plantation in Greensboro. GBA has reserved a block of rooms at the Ritz-Carlton at a value rate of $159 per night for single or double occupancy. To reserve your room, please contact the hotel directly at 706.467.0600. Be sure to tell them you are with the Georgia Bankers Association. The GBA room block for the conference will expire Friday, Sept. 4. With questions, please contact GBA’s Susie McGehee at 404.420.2010.

Bank Marketers: GBA Marketing Conference Scheduled for October 27-28
The banking landscape changes all the time; needless to say, the events of the past year were no exception—and it will never go back to “the way things were.” For all practical purposes, it is an entirely new playing field, and your bank needs to know how to market itself differently. In these times of change and challenge, your bank has the opportunity to be involved in ushering in the next evolution in banking.   This year’s Marketing Conference, scheduled for October 27-28 at the Cobb Galleria Centre in Atlanta, 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. Look for a detailed program and agenda in the coming weeks. For more information about the conference, please contact GBA’s Marybeth Jones at 404.420.2032.
Loan Documentation Seminars: Save $50 by Registering for Combo

The Loan Documentation seminar is designed for loan officers, loan administrators and credit administrators at every level. This one-day seminar will cover how to document the condition of the 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 seminar is Thursday, September 10, at Idle Hour Country Club in Macon. The registration fee is $225, but if you also register for the $225 Advanced Loan Documentation seminar on Oct. 22, you will receive a discounted rate of $400 for both seminars. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
Mark Your Calendar for IRA Update Seminar – Sept. 22 & 23

Make plans to register for one of the GBA's upcoming IRA Update seminars slated for Sept. 22 at the Holiday Inn Lanier Centre in Gainesville and 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.
Online AIB Learning: CRCM Review Course, Consumer Lending and 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.) Please register two weeks in advance to secure a seat in the class.   There is still availability in the following AIB Online classes beginning August 10. 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: AIB Analyzing Financial Statements Classroom Course begins Sept. 15
AIB Analyzing Financial Statements is an important 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:

Banking Fundamentals, Safe Deposit Security , Consumer Credit Reporting, and More
Just a reminder that GBA will offer the following webinars the week of Aug. 3:  

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.

Offer Your Customers Greater ATM Access with GBA Strategic Partner
Georgia Bankers Association member banks have the opportunity to increase customer loyalty and attract new business with greater ATM convenience. Formed in 1997 and a Strategic Partner of the GBA, InterCept Switch offers a surcharge-free ATM network that allows community financial institutions to waive surcharges for member customers while retaining the ability to surcharge non-member customers.   This can help level the competitive playing field for banks with smaller ATM networks that increasingly compete for customers of banks with much larger networks. InterCept Switch is a powerful marketing tool for institutions that join the network. For more information, please contact InterCept Switch’s Steven Roberts at 770.248.9600, or GBA’s Levi Crabtree at 404.420.2022.

Trust & Investment Management Services for Your Bank's Valued Customers
In this highly competitive economic and banking environment, both traditional and non-traditional financial services firms are aggressively marketing their banking services to your best clients and prospects. While price may be what attracts initial attention, surveys prove a comprehensive, service-oriented, client-centered relationship is often the differentiating factor in ultimately retaining the business. For more 30 years, Reliance Trust Company has been helping banks and bank associations serve their clients by offering non-traditional bank financial services to the organization and their customers. Reliance is a customer-service oriented, solutions-based financial service provider and is keenly aware of the importance of professionalism in client relationships. By complementing the existing capabilities of each respective bank with the resources of Reliance, a more holistic suite of financial service solutions can be presented to your customer. This leads to a more satisfactory view of the bank and its total client servicing capabilities. Reliance offers a comprehensive, open architecture suite of financial services including, but not limited to:

  • Asset Custody (Corporate cash sweep & institutional money market fund portal, DTC and non-DTC security custody & accounting services)

  • Investment Management (Equity/Fixed Income separate account management, mutual funds, asset allocation)

  

  • Personal Trust Services (revocable/irrevocable, ILITs, charitable trusts, special needs trusts, estate settlement)

  • Retirement Plan Services (Pension/Profit Sharing Plans, 401(k), Defined Benefit, ESOP, Directed/Discretionary Trustee, Institutional Custody)

  • Insurance (life, health, disability, deferred compensation, annuities, long term care, retirement/estate planning strategies)

  • Estate/Financial Planning, Securities Brokerage (stocks, bonds, mutual funds, options, LPs)

  • Family Office / Comprehensive Wealth Management services; and Trust/RIA Operations Outsourcing.

Reliance works closely with the bank’s assigned relationship management personnel, supporting its end-client relationship in a direct or indirect capacity as needed. Through a selling agreement, the bank is able to receive ongoing non-interest income from those relationships that are jointly serviced by Reliance affiliates. For more information contact Mark Teichner directly at 404.965.7239, or GBA’s Levi Crabtree directly at 404.420.2022.
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.

Make Money, Save Money With GBA Services, Inc. Offerings

Bond and D&O Insurance

Holiday Decals

Checking Club Programs

Human Resources Solutions

Community Reinvestment Act

Job Bank

CRM

Marketing & Sales

Discounted Local & Long Distance Program

Non-Qualified Executive Benefits (BOLI)

Federal Flood Certification Corp.

Pledging Pool Program

Financial Industry Pre-Employment Assessments

Record Retention Guide

FinCrime

Senior Housing Crime Prevention Foundation

Financial Marketing Solutions (FMS)

Strunk & Associates, L.P.

Full Service Check Recovery

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.
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
 		    
Atlanta - Georgia Commerce Bank
Caperton "Cap" Putt has joined the bank as Senior Vice President, Real Estate Lending.

Augusta - Georgia Bank & Trust
Diane Cooper has been promoted to Assistant Vice President, Human Resources; Toni A. Counts to Assistant Vice President, Information Technology; and Mary J. Steele to Assistant Vice President, CRM Coordinator.

Carrollton - McIntosh Commercial Bank
The bank announces the following promotions: Dale Benefield to Senior Vice President; Casey Pierce, Lisa Sibley and Rhonda Wright to First Vice President; Paula Robinson to Assistant Vice President; and Sandra Westmoreland to Banking Officer.

Cartersville - Century Bank of Georgia
Saunders Jones III has been promoted to Credit Officer and Small Business Administration (SBA) Loan Specialist. Rachel Harris and Tamara Knight have been promoted to Assistant Vice President.

Reidsville - The Tattnall Bank
Congratulations to Mary T. Scott on her upcoming retirement after 571/2 years of continuous service.

Smyrna - Community Bank of the South
Congratulations to CEO Lee Scroggins, the officers, directors and staff on its 10 year anniversary. See picture below.
 


Front (l-r): Sylvia Hamby, EVP/COO, and Mary Tinsley, EVP/CFO
Back (l-r) Janet Taylor, Assistant Vice President, Margie Hopkins, Teller – Smyrna, Lee A. Scroggins, Jr., President/CEO, and Tammy Freeman, Group Vice President
 

Cooper


Benefield


Wright


Jones
Counts


Pierce


Robinson


Harris
Steele


Sibley


Westmoreland


Knight

Calendar of Events
Details for August

 

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

 
Aug. 2-7 ABA School of Bank Card Management Atlanta
Nov. 1-6 Southern Operations and Technology School Athens
May 2-7, 2010 Georgia Banking School Athens
 

 

 
 

Seminars

 
Aug. 3 Banking 101: Understanding Bank Financial Statements, Part 2 Webinar
Aug. 4 Overcoming Negativity on the Frontline Webinar
Aug. 5 Home Valuation Code of Conduct Webinar
Aug. 5 Network Security 2009, Part 1: Phishing for Identities: The Growing Threat of Crimeware Webinar
Aug. 4 Credit Bureau Reporting, Data Accuracy & FACTA 312, Part 1: The Practical Implications of the NEW FACTA 312 Webinar
Aug. 6 2009 ECOA Review & Update Webinar
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. 13 Legal Issues Involved in Collection 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. 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. 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. 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 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
     
  Roundtables/Peer Groups  
Aug. 5 President/CEO Roundtable, Group 5 Macon
Aug. 6 President/CEO Roundtable, Group 4 Macon
Aug. 7 President/CEO Roundtable, Group 2 Macon
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
 
www.gabankers.com		  

Home  I  GBA University  I  Member Services  I  Volunteers  I  Government Relations I Calendar of Events

Georgia Bankers Association • 50 Hurt Plaza, Suite 1050, Atlanta, GA 30303 • Phone 404.522.1501 • Fax 404.522.9848 • www.gabankers.com