June 26, 2009 

What We Know about the Regulatory Reform Proposal
We’ve been digging in to the Regulatory Reform Proposal from the White House and here’s a summary of how we’re beginning to think we need to shape the debate. Quite simply, the proposal is the most sweeping, significant possible change to our industry that any of us has ever seen. If implemented as proposed, it will completely change a lot of how you do business every day. Of primary concern in this proposal is the need to preserve the dual banking system of national and state-level charters that ensures competitive balance. Other components in the proposal include a system that addresses “too-big-to fail” institutions going forward, evaluates and handles systemic risk and attempts to seal gaps in regulation of products and services that are currently outside the scope of oversight by established regulators. These will need work and compromise, but the concepts are worth working with the administration on. We are, however, fully opposed to the proposed Consumer Financial Protection Agency (CFPA). The new agency places banks in a tough position as it divides consumer protection and safety and soundness among two different federal regulators. The new agency would have sole authority to promulgate and interpret regulations under existing consumer laws such as TILA, HOEPA, RESPA, CRA, ECOA, HMDA, and FDCPA, and any future consumer financial services or fair lending laws. If this separation happens, what the consumer regulator deems good for consumers could be completely at odds with sound lending, compliance or financial practices. It also sets the stage for confusing and conflicting state-level regulations. The proposal would set federal minimum protection standards, and would allow states to set more strict guidelines – an invitation to state Legislatures to act. And, it would essentially develop and mandate use of certain products, regardless of whether they are right for your institution. The main point we’re hammering home is that the products and services offered by traditional, FDIC-insured, regulated banks were not responsible for the economic crisis and recession.   “The majority of accounts, loans and other financial products offered by main-street banks are already simple to understand and easy for consumers to use,” said Joe Brannen, GBA President and CEO. “For the most part, people don’t keep money in mattresses, and billions of personal and business transactions are handled every day without a hiccup. People have deep confidence and trust in the banks and their products and services and rely on the banks to manage and protect their money. Banks offer services responsibly, consumers use them wisely, and there’s already an effective system in place for regulating them.” And, as the ABA’s Ed Yingling pointed out in his testimony to the House Financial Services Committee Wednesday, “The proposal for a new consumer regulator, rather than rewarding the good banks that had nothing to do with the current problems, will add an extensive layer of new regulation that will take resources that could be devoted to serving consumers and make it more difficult for small community banks to compete.” Here is a link to ABA’s full summary of the proposals. Actual legislative language for the proposals has not been issued, so there’s lots of work to be done. The CFPA legislative piece may be on a fast track in the House. Multiple hearings are scheduled for July. House Financial Services Committee Chairman Barney Frank (D-Mass.) has indicated he’d like some components possibly passed by the end of July. We need a full-court press from bankers at the grassroots level to help your member of Congress understand why this part of the proposal will be harmful to your business and your community. More summary and detail to come as things develop. Last week, we sent a letter to the Georgia Delegation outlining our initial concerns. We’ll share resources and post them on our web site as they’re developed to help you. Please contact Joe, 404.420.2026, or Elizabeth Chandler, 404.420.2027, with questions, suggestions and ideas.

Andy Williams Installed as GBA’s 120th Chairman
Congratulations to Andy Williams, President, United Community Bank, Blairsville, on his installation as the 2009-2010 GBA Chairman during our annual convention June 15-16. During his remarks to open his term, Andy thanked several of his professional mentors and used their example as a call to GBA members to also take time to serve as mentors and teachers to the next generation of bankers. He also called on members to focus the year on “leading forward,” with an eye toward learning the right lessons from the current banking problems and moving ahead to a better, stronger industry.    He reminded everyone that being active GBA members is a key to that process. “We all know that GBA has a tremendous capacity to facilitate and debate creative ideas for ensuring our collective strength. We need your help and leadership to identify products, services and business models that will better serve our banks and our customers for the long term. On that note, I challenge all of you to remain active and engaged members in those discussions.” He stressed continued member participation in GBA’s four primary strategic areas of focus; 1) government relations, 2) public advocacy for banking, 3) products and services for banks, and 4) GBA University education programs.

GBA Installs New Officers and Board Members at Annual Meeting
Delegates to last week’s GBA Annual Convention voted to install two new officers and new board members. The new officers are:

  • Chairman-Elect: Chuck Williams, President and CEO, North Georgia Bank, Watkinsville

  • Vice Chairman: Rick Whaley, President and CEO, Citizens Bank of Americus

Randy Eaves, President of First National Bank of Georgia, Buchanan, is in the third year of his three-year term as Secretary-Treasurer.

The new Board members are:

  • Group 2: Suzanne Anderson, President and CEO, Pelham Banking Company
  

  • Group 4: Bill Stump, President and CEO, Community Bank and Trust-West Georgia, LaGrange

  • Group 6: Bill Bazemore, President and CEO, Monroe County Bank, Forsyth.

  • Group 8: Laura Cross-McKinley, President and CEO, Oglethorpe Bank, Brunswick

  • Group 10: Jack Harvey, President and CEO, Farmers and Merchants Bank, Washington

  • At-large: Charlie Curry, President and CEO, First State Bank of Randolph County, Cuthbert

  • At-large: John Helmken, President and CEO, Savannah Bancorp, Inc.

 
 
 
 
 

‘So, You Bought a Closed Bank…’ Session Highlights Convention Breakouts
Our Annual Convention packed an informational punch with nine breakout sessions. One of the most popular was the panel discussion by Georgia bank CEOs whose banks had purchased closed banks. James Stevens, partner at Kilpatrick Stockton, and Chair of our Bank Counsel Section moderated the panel. Panelists were Jim Edwards, CEO, United Bank, Griffin, which bought First Georgia Community Bank; Bill Linginfelter, Area President, Georgia and South Carolina; Regions Bank, Atlanta, which bought Integrity Bank and First Bank Financial Services; and John Seay, President and CEO, Northeast Georgia Bank, Lavonia, which bought Freedom Bank of Georgia. Discussion centered around how to decide whether to bid on a bank, the bid process, tips for valuing the bank and assets, tips on working with the FDIC, ideas for retaining customers, how to decide whether to let deposits run off and suggestions for employee relations during the transition.   John Seay also noted the benefits of a transaction being a loss-sharing deal with the FDIC. But, he noted the loss sharing benefits are not detailed or explained in quarterly call reports, so the additional loan assets and their credit quality could negatively affect how investors, analysts and even media view the stability of the acquiring bank. We're working on a proposal to FDIC to better account for assets with loss-share arrangements on the Call Reports. Also on the closed bank front, the Athens Banner-Herald ran a good story about how the closing process works, detailing the bid process to the actual closing day activities. John is quoted in the story, and it’s worth a read.
FDIC Proposes Alternatives for Finalizing the Transaction Account Guarantee Program
At a meeting of the FDIC Board this week, the FDIC voted to present two alternatives for phasing out its guarantee of noninterest-bearing transaction accounts exceeding $250,000. The first alternative is for the program to expire at its original deadline of Dec. 31, 2009, and the second is to extend the expiration date by six months through June 30, 2010. Under the extended time frame, the FDIC would propose an increased fee of 25 basis points as compared to the current 10-basis-point fee on deposits in such accounts effective on Jan. 1, 2010.   Also under this alternative, participating institutions would have the opportunity to opt out of the extended program and appropriate customer notification would be required. These proposals will be published for public comment, and GBA will respond accordingly. We would like to know your thoughts on this proposal. Should you have questions or a recommendation, please contact Elizabeth Chandler at 404.420.2027.
Comment Wanted About CRA Revisions Related to Student Loans
Regulators are seeking comments to proposed Community Reinvestment Act (CRA) revisions to require the agencies to consider low-cost education loans provided to low-income borrowers when assessing a financial institution’s record of meeting community credit needs. The proposal also would incorporate into the CRA rules statutory language that allows the agencies, when assessing an institution’s record, to consider, as a factor, capital investments, loan participations, and other ventures by nonminority- and nonwomen-owned financial institutions in cooperation with minority- and women-owned institutions and low-income credit unions.    Specifically, regulators are looking for comments about how to appropriately define  “education loans,” “low-cost” and “low-income,” in the guidelines, among other changes. Public comments are due 30 days after the proposal is published in the Federal Register, which is expected soon. Please see the Federal Register notice. With questions, contact Elizabeth Chandler, 404.420.2027.

50-Year Bankers Recognized for Their Service
Each year at the GBA Annual Convention, we honor bankers who have dedicated 50 years of service to our industry. This year, we salute four bankers for their longstanding commitment to banking, their customers and their shareholders. This year’s honorees were:

  • James A. Gill, Sr. Jim is a Director of River City Bank and Chairman of the Affiliate Board of River City Bank of West Georgia. He began his banking career with Columbus Bank and Trust in 1958.

  • Lillie C. Piland. Lillie retired this year as Director of Financial Operations at BankSouth, Greensboro.

  

  • Janet Davis. Janet started work for Bank of Monticello in 1958. For the past 14 years she has worked part-time at the bank as Internal Auditor and just celebrated her 80th birthday.

  • J. Edward Tyson. Eddie is Director Emeritus at Darby Bank in Vidalia. He began his banking career in 1959 at First National Bank in Macon. He progressed in his career to eventually become only the third president in the history of Darby Bank at the time of his retirement as President and CEO in 2001. He is a director emeritus of the GBA Insurance Trust.

Gill
Piland
Davis
Tyson
Thank you Convention Sponsors and Exhibitors!
Many thanks to the member and associate members that helped make the 2009 Annual Convention a great success.  Please see the flier recognizing the firms that so generously sponsored the various events.   When you see them, please make a special effort to thank them for their support. Also a special thank you to the associate members that exhibited during the convention. We appreciate your support!
Welcome New Associate Members
Congratulations to the following companies that were approved for associate membership at the June 15 GBA Board of Directors meeting:  

Associate Members have played an important part of the GBA throughout our 117 years. Today, more than 200 businesses enjoy increased visibility and expanded marketing opportunities and banks have more options for top-quality, cost-effective products and services. Company descriptions and contact information are available on our web site, or contact GBA’s Kenyetta Parks at 404.420.2035 for more information.
GBA Insurance Trust Elects New Board Members
The Georgia Bankers Association Insurance Trust (GBAIT) elected new board members at this year’s Annual Convention. GBA Insurance Trust board members serve four-year terms and direct GBAIT’s efforts to provide a stable, financially-sound source of employee benefits to Trust members. More than 300 banks participate in the benefit program, which is unmatched in the industry. Congratulations to the following new directors:

  • Andy Williams, President, United Community Bank, Blairsville

  • Doug Tuttle, Chief Operating Officer, United Bank in Zebulon

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

  Also, Bob Voyles, Director, BankSouth in Greensboro, was elected to an ongoing position as Director Emeritus.

“Bob’s wisdom and counsel will be important to the Trust’s continued success,” said Pete Malone, President and CEO, McIntosh State Bank, Jackson, and Chairman of the GBA Insurance Trust. “I certainly want to recognize him and thank him for 18 years of commitment and service to the Trust.”

Williams
Tuttle
Vann
Voyles

Isakson to Host First-Time Homebuyer Workshop

Georgia Senator Johnny Isakson continues his efforts to encourage more qualified first-time homeowners to enter the market and help spur economic recovery. He’s hosting a First

  Time Homebuyers workshop Saturday, June 27, at the Gwinnett Technical College in Lawrenceville. See the flier for details. RSVP by email or phone, 770.661.0999.
GBA Sponsors Annual Georgia Peanut Bank Week
Georgia Peanut Bank Week is Oct. 12-16, and this year’s theme is “Peanut Proud…and Spreading the Word.” Sponsored by the Georgia Peanut Commission in cooperation with the Georgia Bankers Association, Georgia Peanut Bank Week is designed to link peanuts and banking and tie in the harvest season. For example, an institution in the peanut belt may emphasize the peanut farm dollar to the economy while a metro institution may focus on nutrition, which is always important to everyone. Scheduled during peanut harvest time, this is a perfect opportunity for your bank to demonstrate the versatility and value of this $2 billion crop to Georgia’s economy.   Promotional ideas and items such as sample peanut packages, recipe brochures, souvenir peanuts, and gold peanut lapel pins can be ordered by visiting the Georgia Peanut Bank Week web site or calling Marcus Evans at 229.386.3470. The deadline for orders is July 31 for banks planning to participate.
Time is Running Short to Register for Leadership Conference – July 12-15
There are unprecedented challenges facing those of us in the financial industry today, so you don’t want to miss out on the important and  timely information available only at this year’s Leadership Conference. Sessions include an economic update, a report from regulators, a session about how to build and maintain customer relationships during difficult times, and up-to-date information from the legislative front.   The conference also provides excellent networking opportunities for bankers to share ideas. The Leadership Conference is July 12-15 at Amelia Island Plantation in Amelia Island, Florida. With questions about the conference or Leadership GBA, please call GBA’s Susie McGehee at 404.420.2010 or Jennifer Stevens at 404.420.2024.
Save the Dates: Fall Economic Forums Set for September
Mark your calendar to attend one of GBA’s Fall Economic Forums in September. Back by popular demand, they will be held Sept. 9 in Albany, Sept. 10 in Savannah, and Sept. 22 in Atlanta. Dr. Roger Tutterow, professor of Economics at Mercer University, Atlanta, will be on hand to discuss the latest local and national economic trends and developments. Commissioner Rob Braswell with the Georgia Department of Banking and Finance   will also tell you about the latest developments in Georgia’s banking industry. A luncheon will follow the meetings. Brochures and updated web site information will be available in the coming weeks. With questions about these forums, please call GBA’s Susie McGehee at 404.420.2010.

Insurance Alert
Learn New GBAIT Online Enrollment and Other Updates at Free Seminar
GBA Insurance Trust has a new online enrollment system to make your life a lot easier. We want you to know all about it as well as some other key updates about our plans and administrative procedures so please plan to attend our upcoming seminar. This is important, so we’re offering one free registration for each member and a low-cost, $25 option for additional staff members who need to attend.   Lunch is on us, too. The seminar is Sept. 16 at Idle Hour Country Club in Macon from 9 a.m.-3 p.m. For more information, contact Susan Kelley, SVP, GBAIT, 404.420.2017.

Economics, Mortgage Lending and Principles Highlight Upcoming AIB Courses, Sign Up Today!
Here are the instructor-led AIB online classes offered the week of July 13. 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.   Space is still available in the following classes beginning July 6. 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.
June Webinars: Fraud Prevention, Regulation Z – Register Today

Just a reminder that GBA will offer the following webinars the week of June 29:

  

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.
Action Request – Participating in GBA Salary Survey is Easier than Ever
It’s time again for the annual Georgia Bankers Association Salary Survey, and we need your help to ensure maximum benefit to all participants. The deadline for submitting information is July 10. We mailed input letters to bank CEOs last week. We encourage every GBA member bank to participate so we can ensure a broad-based representation of the banking industry in Georgia. The more members that participate, the better data you and other banks have to help structure your compensation programs in the most competitive, cost efficient and effective ways to attract and retain top bankers.   We’ve made participating easier and less time consuming than ever this year. We’re excited that you will be able to participate in both the Compensation and Benefits sections of the survey online. Questions can be directed to GBA’s Kenyetta Parks, 404.420.2035.
FMS Announces New E-Mail Marketing Solutions
How often has your bank missed an opportunity with a customer because your bank didn’t have a system in place—an ongoing marketing tool, to keep your bank at the top of customers’ minds without too much effort? Financial Marketing Solutions, a GBA Strategic Partner, has introduced new E-Mail Marketing Solutions that can easily solve this problem. The agency’s new E-Mail Marketing Solutions simplify the process of using e-mail to market your bank to current customers and solidify your relationship with new ones. These people want to hear from you. In fact, 54 percent of consumers have a more favorable opinion of financial services companies that send them e-mails than those who don’t, according to Epsilon’s 2008 survey of 1,517 consumers and their impact on permission-based e-mail marketing. Your customers trust a message coming from your bank, and your e-mails can significantly influence their opinions and even actions. FMS’ new service will help ensure your e-mail programs reflect your brand message and yield positive feedback. The entire e-mail initiative is controllable, reliable, trackable, consistently scheduled and cost-effective, accomplishing many of your goals at once.   Incorporated into your bank’s targeted mix of other media tools, FMS' new E-mail Marketing Solutions encompass everything from evaluating your bank’s needs and opportunities to discussing best practices for promoting your bank by e-mail; strategizing brand-specific or product-related e-mail marketing campaigns; developing and designing creative content; and implementing, handling the distribution of and managing your bank’s e-mail promotions automatically with an intuitive management platform. The e-mail management platform is simple to use and customize. Features include an automatic onboarding program that empowers you to initiate consistent, scheduled dialogues with your new customers; simple tactics for segmenting and building your lists; ways to track clicks, view bounces, assess responses and view traffic; and ideas for improving your overall e-mail marketing efforts. For more information about how to remain top-of-mind and build awareness of your bank with FMS’ new E-Mail Marketing Solutions, please view the demo or contact Tim Pannell directly at 615.591.2073.
GBA Partner Offers Effective Overdraft Privilege Program

In business since 1976, Strunk and Associates, L.P. is a financial institution advisory service recognized nationally for its innovative design, development, and implementation of the original "Overdraft Privilege Service Program" for the financial institution community. The firm's reputation is built on more than three decades of providing expert, objective, unbiased and independent advisory service to thousands of financial institutions. For the past decade, their resources have been dedicated to the development of their Overdraft Privilege Service Program.

  Strunk and Associates, L.P. currently serves nearly 2,000 Overdraft Privilege Service clients throughout the Unites States and the Caribbean. For more information about Overdraft Privilege and other financial solutions such as REWARDChecking®, check their web site or call 800.728.3116. Strunk and Associates is a GBA Strategic Partner.
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
 		    
Smyrna - Community Bank of the South
Wes Smith and Julie Poole have been promoted to Group Vice Presidents.

Smyrna - Vinings Bank
Joe Daniell has been joined the bank as Executive Vice President, Business Development.		  

Smith
Poole
Daniell

Calendar of Events
Details for June & July

 

Conferences

 
July 12-15 Leadership Conference Amelia Island, FL
Oct. 27-28 Marketing Conference Atlanta
Dec. 3-4 Credit 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

 
June 30 Fraud Prevention for Frontline Personnel Webinar
July 1 Regulation Z: Revised Early Disclosure Rules Webinar
July 2 ID Theft Red Flag Rules: Agencies Release FAQs Webinar
July 7 Understanding Loan Documents, Part 1: Loan Documents Webinar
July 9 BSA/AML Compliance: Recent Developments & Common Errors Webinar
July 14 Understanding Loan Documents, Part 2: Real Estate Documents Webinar
July 14 The Wild World of RESPA - Assessing New Requirements, What to Do, and How to Do It Webinar
July 14 Use and Abuse of Computers in the Workplace Webinar
July 15 Liquidity Contingency Planning: Building, Managing & Maintaining an Effective Plan Webinar
July 16 Notary Public Webinar
July 16 HMDA Revised Reporting Rules Webinar
July 16 Train the Trainer Webinar
July 20/27 Banking 101: Banking Fundamentals, Part 1, Sessions 1 & 2 Webinar
July 21 Business Continuity Planning: How to Address Regulatory Expectations Webinar
July 21 Safe Deposit Security and Liability Webinar
July 21 Consumer Credit Reporting: Assessing Risk and Requirements, Plus Are We Done with FACT Act Yet? Webinar
July 22 Auditing for Internal Fraud Webinar
July 22 How to Use Business Resolutions and Authorizations to Protect Your Financial Institution Webinar
July 23 Surviving the Perfect Storm: A Community Bank Primer For 2009 Webinar
July 23 Regulation DD Coverage of Consumer Overdrafts: New Regulations Webinar
July 24 Problem Loans, Part 1: Effective Collection Techniques for Consumer Loans Webinar
July 28 Motivating & Managing the Teller Line Webinar
July 30 How to Create Effective Loan Policies Webinar
July 31 Problem Loans, Part 2: Early Warning Signs for Commercial Loans Webinar
Aug. 3 Banking 101: Understanding Bank Financial Statements, Part 2 Webinar
Aug. 7 Problem Loans, Part 3: Repossession & Sale of Collateral Webinar
Aug. 25 Loan Documentation in Tough Times Webinar
Sept. 10 Loan Documentation Macon
Sept. 16 GBA Insurance Trust Online Enrollment System and General Update Seminar Seminar
Sept. 22 IRA Update and Review Workshop Macon
Sept. 23 IRA Update and Review Workshop Gainesville
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  
     
Board/Committee Meetings  
June 30 Bank Counsel Board of Directors 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

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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