Georgia Bankers Association - The Resource that Empowers

                 November 6, 2009 

GBA to Congress: Some Georgia Banks Between a Rock and a Hard Place for Lending

The continuing economic weakness, capital constraints and an extremely difficult regulatory environment are all making it difficult for some of Georgia’s banks to lend to businesses. That was the message GBA President and CEO Joe Brannen delivered Monday in Atlanta to a special field hearing of the Domestic Policy Subcommittee of the U.S. House Oversight and Government Reform Committee chaired by Dennis Kucinich (D-OH). “While we made sure they understood most Georgia banks are performing well, we took the opportunity to encourage our elected officials to advocate for policies that will remove the obstacles making it difficult for our members to serve communities struggling through the real estate downturn,” Brannen said. “Along with a description about what is going on in the market and why, we identified several ideas and solutions we believe would strengthen our marketplace, keep more people in their jobs, more companies in business and prevent more banks from being closed.” Those ideas included suggestions about things that will protect real estate values, conserve and replenish bank capital, stabilize more banks and allow more lending. Many of the details about these ideas will be familiar to you and are outlined in our official written and oral testimonies. Thanks to those members who provided suggestions to us in advance, which were helpful in developing our testimony.

Rep. Dennis Kucinich (center) speaks out on the need for more capital support of community banks. Georgia Reps. Len Westmoreland (far left) and David Scott (far right) agreed.

 

GBA President and CEO Joe Brannen (center) testifies about how the economy and regulatory environment make lending difficult for some members

Joining Rep. Kucinich at the hearing were Rep. Lynn Westmoreland (R-GA), who pressed to have the hearing, as well as Rep. David Scott (D-GA). Kucinich, Westmoreland and Scott were in general agreement about the need to provide community banks with more capital support to enhance lending opportunities. And, former U.N. Ambassador, Congressman and Atlanta Mayor Andrew Young testified in support of additional FDIC flexibility in regulating community banks. “Given a little time and a little flexibility, I think a lot of the good people who are running our small banks would be able to work these problems out without handicap,” Young said. “If you close these banks because of an academic or theoretical reason, by and large you’re throwing the country into more debt, and you’re throwing people into more debt.” Our message about these issues was carried by significant media coverage, including stories from the Atlanta Journal-Constitution, Atlanta Business Chronicle the Augusta Chronicle, statewide public radio, local Atlanta TV and a number of political blogs. We appreciated the opportunity to support our members before the subcommittee, and thank Congressmen Kucinich, Westmoreland and Scott for holding the hearing here in Atlanta. With questions, contact Joe, 404.420.2026 or Elizabeth Chandler, 404.420.2027.
Frank Letter to Regulators Echoes GBA Testimony about Regulatory Environment

In an interesting parallel to GBA’s testimony this week to the Congressional hearing in Atlanta, Barney Frank (D-Mass.) sent a letter last week to bank regulators encouraging more flexibility toward traditional banks and arguing that in some cases, extreme regulatory scrutiny is curtailing banks’ ability to lend. "A self-fulfilling prophecy of community bank failures, shrinking credit availability and a slower economic recovery can all result from a regulatory overreaction to the current crisis," said the letter, which also was signed by Rep. Walt Minnick (D., Idaho). “These steps can set in motion a ‘death spiral’ based on fire-sale prices for assets to raise cash, a drop in comparable sales figures the appraisers use, which results in market devaluation of other assets.

  "These actions are directly counter to the message from Congress calling for banks to work with borrowers to help them through these difficult times and to make more credit available.” Sounds pretty familiar, right? We appreciate Frank’s communication to regulators about these issues we and others have been raising for some time. As reported in the Wall Street Journal, Timothy W. Long, chief national bank examiner at the Office of the Comptroller of the Currency, countered the criticism in an internal memo by saying, "I have refuted and will continue to refute accusations that examiners are being 'too tough' or are creating the so-called credit crunch by their actions."
Congress Passes Homebuyer Tax-Credit, Net-Operating-Loss Provision Extensions

Here’s an important and good-news update about national legislation we’ve been supporting. Two key banking related amendments were part legislation passed by the U.S. Congress this week that extends unemployment benefits 14 weeks. The legislation also includes an important extension of the $8,000 first-time homebuyers tax credit -- scheduled to expire Nov. 30 -- to those who enter sales contracts by April 30, 2010, and close within 60 days. It also would add a $6,500 credit for homebuyers who have lived in their current residences for five consecutive years. The income cap for qualifying would be raised to $125,000 for individuals and $225,000 for married couples, up from $75,000 and $150,000, respectively. Georgia Senator Johnny Isakson was the leading force behind the tax credit. "This is a huge step that will help get houses sold, create jobs and further the recovery. We owe Sen. Isakson a big debt of gratitude for his leadership," said GBA President and CEO Joe Brannen.

 

The second positive provision included in the legislation extends the net operating loss (NOL) carryback period from two years to five years for either 2008 or 2009 NOLs. In year five, the NOL carryback would be limited to 50 percent of a company’s taxable income. There would be no limit on the NOL carryback in years one, two, three and four. As we've reported previously, Georgia's John Lewis and Nathan Deal co-sponsored the House version of this amendment. We appreciate their leadership. Unfortunately the NOL-carryback provision would exclude companies receiving Troubled Asset Relief Program funds, such as Capital Purchase Program participants. We think the rules should apply to all institutions. With questions, please contact Elizabeth Chandler at 404.420.4047 or Joe Brannen at 404.420.2026.
New Real Estate Workout, Collateral Valuation Guidance Potentially a Positive Step

Bank regulators encouraged important new flexibility from exam teams related to loan classification and workout agreements with commercial real estate customers. "Financial institutions that implement prudent loan workout arrangements after performing comprehensive reviews of borrowers' financial conditions will not be subject to criticism for engaging in these efforts, even if the restructured loans have weaknesses that result in adverse credit classifications," the guidance says. "In addition, performing loans -- including those renewed or restructured on reasonable modified terms -- made to creditworthy borrowers will not be subject to adverse classification solely because the value of the underlying collateral declined."

  This is the first significant policy change that has the potential to be of help, especially as it relates to loans secured by real estate properties that have declined in value. “To not automatically criticize those loans and require the borrower to produce more collateral or pay down loans because of the valuation decrease is certainly a good step. It may be too late to help most of the residential real estate problems, but it could be helpful with other commercial, income producing properties,” said GBA Chairman Andy Williams, President of United Community Bank, Blairsville. “We'll have to wait and see how the examiners in the banks actually apply the methodology and we'd be interested in hearing our members' experience.” With questions, please contact Elizabeth Chandler at 404.420.4047 or Joe Brannen at 404.420.2026.
FDIC Issues Deposit Rate Cap Guidance, Local Market Exception Process Still to Come

There’s additional guidance out this week from the FDIC about how to apply the new rule governing restrictions on deposit interest rates paid by institutions that are less than well capitalized, which takes effect Jan. 1, 2010. The guidance gives some instruction for how to calculate a local rate if a bank is fortunate enough to get clearance from FDIC to use the local rate rather than its published national average. The guidance says further instruction will come soon in a Financial Institution Letter about how to apply to use the local rather than national average. As you know, we’ve strongly encouraged FDIC to provide a clearly-defined and quick decision process for these exception requests.

  Unfortunately, FDIC continues to insist on including all branches of financial institutions in a bank’s local market as part of the local average calculation, which skews the calculation toward the rates offered by institutions with more branches. The guidance also says that banks can’t include their own rate in calculating the average, which we believe also unfairly weights the average to the benefit of other competing institutions. The rule also applies to any bank that is operating under an enforcement order requiring it to meet and maintain a specific capital level, so this rule will affect a large number of our members. With questions, please contact Elizabeth Chandler at 404.420.4047 or Joe Brannen at 404.420.2026.

New Resource: Reg. Z Impact Issue Brief Notes How Rules Constrict Credit

We continue to hear from members about the changes to Regulation Z that went into effect on Oct. 1 are how those changes are hampering their ability to provide common and  standard loan products to their customers. We mentioned this unintended but anticipated constriction of credit during our testimony to Congress Monday, and encourage regulators to re-examine how those rules are written and applied. Others are chiming in, too. The ABA this week delivered a letter to the Federal Reserve Board of Governors encouraging it to reconsider several of the provisions.

   The letter stated previous cautions the industry had provided about the possible negative effects on credit availability. We’ve developed an Issue Brief about the subject to help members explain the issue to their representatives. Many of you have shared examples of how the new regulations prevent you from lending to customers and we would encourage others to do the same. With examples, questions or suggestions, please contact Elizabeth Chandler at 404.420.4047 or Joe Brannen at 404.420.2026.
Maloney's Overdraft Bill Could See Action Soon
Recent reports indicate that the House Financial Services Committee could “mark-up” and vote on H.R. 3904, the Overdraft Protection Act of 2009 by Rep. Carolyn Maloney (D-NY) in the next two weeks. As a reminder, committee members from Georgia are Rep. David Scott and Rep. Tom Price and they need to hear from you on this legislation. The bill would require a customer to opt-in to overdraft coverage, the bank could not charge more than one overdraft fee per month or six per year, limits the fee to “reasonable and proportional" to the cost of the transaction, the bank must notify the customer within one day of the fee being charged and the bank must notify the customer at an ATM or branch if a fee would be triggered and allow them to cancel.   Also, the transaction posting order must not be “in such a manner that the consumer does not incur avoidable overdraft coverage fees,” and the bank may not charge an overdraft fee if it is the result of a debit hold that exceeds the amount of the actual transaction. Similar legislation is pending in the Senate. Although the Federal Reserve has regulations pending on overdraft programs, Congress appears ready to act on its own. With questions, please contact Elizabeth Chandler at 404.420.4047 or Joe Brannen at 404.420.2026.
Credit Card Update: House Votes to Move Up Card Act Provision

The House this week passed legislation (H.R. 3639) that would move up the effective dates of the remaining Credit Card Act provisions to Dec. 1 from Feb.1, 2010. This accelerated deadline will undoubtedly create more confusion for customers, make it more costly and difficult for banks to comply and is not necessary because of certain provisions in the act that have already gone into effect.

  For example one Credit Card Act provision that became effective Aug. 20 requires a 45-day advance notice for any rate increase and provides the right to say “no” to the increase. The legislation’s prospects in the Senate are uncertain at this point. We’ll keep you posted. With questions, please contact Elizabeth Chandler at 404.420.4047 or Joe Brannen at 404.420.2026.

Identity Theft Compliance: Red Flags Rule Implementation Date Delayed to June 2010

Here’s some good news on the compliance front. The Federal Trade Commission has delayed the pending compliance date for the Red Flags Rule to June 1, 2010. The Red Flags Rule requires many businesses and organizations to implement a written Identity Theft Prevention Program designed to detect the warning signs – or "red flags" – of identity theft in their day-to-day operations.

  This gives members additional time to prepare their required Red Flags Rule Plans. The FTC has said it will continue to provide guidance on the development and implementation of these plans, especially for companies who want to voluntarily adopt identity theft protection measures for the benefit of their customers and business reputation. More information is available on the FTC’s Red Flags Rule web site.
2009 BankPAC Campaign Update
Since our last update, the following companies have contributed to the GBA StatePAC:

  • The Geo. D. Warthen Bank, Sandersville, Ken Bibb, President

  • Bank of Madison, Twig Haney, CEO

  • The Coastal Bank, Savannah, Tom Wiley, CEO

  • TalentQuest, Atlanta, Jon Naphin, Vice President

  

Thank you for your support. Please see the BankPAC Update for year to date contributions by group. For more information, please contact Elizabeth Chandler at 404.420.2027. The 2009 BankPAC contribution forms can be downloaded here.
Mark Your Calendar: GBA’s Legislative Reception Day Packed with Even More Value – Jan. 13
GBA’s annual Legislative Reception is Jan. 13. Attendees will have the opportunity to get even more timely information about the economy and critical issues facing the banking industry today. Before to the reception, we will gather at the Embassy Suites, Centennial Olympic Park, where Dr. Roger Tutterow, professor of Economics at Mercer University in Atlanta will provide an overview of the current national and state economic environment. Georgia Banking Commissioner Rob Braswell will also be on hand to discuss current regulatory issues and the banking climate from the Department’s view. We know many members were disappointed when flooding in the metro area caused us to cancel the north Georgia Fall Economic Forum at which Dr. Tutterow and Commissioner Braswell were scheduled to speak.   This gives you a chance to hear from them. And for those of you who attended the Forums in southwest and southeast Georgia, you will be able to hear fresh information from the latest economic data. Georgia legislators will also bring you up to date on the latest issues the banking industry will be facing in the 2010 legislative session. The reception honoring the members of the General Assembly, the Constitutional Offices, the statewide Judiciary and other dignitaries will be at the Georgia Aquarium from 6:00 pm to 7:30 pm. Detailed information about the reception will be mailed soon. With questions, please call GBA’s Susie McGehee at 404.420.2010.
“Well Trained Employees Save Money” – Bank Trainer Peer Group Meeting a Success

Bank Trainers from around the state met in Macon Oct. 29 and heard first hand from a panel of bank executives about training and the importance of making it a priority, especially during these tough economic times. “A well trained staff increases efficiency and productivity, said panelist Spence Mullis, President & CEO of Morris Bank, Dublin. “Either or both of these factors can affect a bank’s bottom line tremendously.” A special thanks to all panelists including Dan Blanton, President & CEO of Georgia Bank & Trust, Augusta; Scott Smith, President & COO, of Northwest Georgia Bank, Ringgold; and Mark Stevens, CEO of Atlantic Southern Financial Group, Inc., Macon.

  Jeff Kovach, Senior Vice President & CFO of Northwest Georgia Bank also shared his bank’s education incentives and the value of AIB training. Also, thanks to  our moderator Darron Burnette, Senior Vice President, Sea Island Bank, Statesboro; and to Bethany Slocum of Atlantic Southern Bank, Macon for hosting the event. For more information about the peer group, please contact GBA’s Alison Moreau at 404.420.2034.
Reminder: Save on Banking School, Register by Dec. 31
The deadline for the Georgia Banking School early registration discount is Dec. 31. Take advantage of the $125 savings by registering for the Class of 2012 now. The Georgia Banking School, a three-year resident and home study program, meets in 2010 at the University of Georgia May 2-7. Please call GBA’s Marybeth Jones at 404.420.2032 for details and registration information.
Regulatory Panel to Address Attendees at Annual Credit Conference
This regulatory panel discussion is one of the most popular components of the annual Credit Conference. Participants will have an opportunity to ask questions to a panel of experts about loan compliance and other pressing regulatory issues. The panel will consist of a representative from the Office of the Comptroller of the Currency, the Georgia Department of Banking and Finance, the Federal Reserve Bank of Atlanta and the Federal Deposit Insurance Corporation.    The moderator is Steve Powell with Steve H. Powell & Company in Statesboro. The conference is scheduled for Dec. 3-4 at the Cobb Galleria Centre in Atlanta. For more information, please contact GBA’s Marybeth Jones at 404.420.2032.
Don’t Miss GBA’s Bank Robbery/Physical Security Seminar Nov. 10

The upcoming Bank Robbery/Physical Security seminar is a stand-alone event as well as Session 1 of GBA's popular Bank Security Academy. This one-day continuing education workshop is devoted to security topics of most concern to financial institutions. Topics to be covered are:

  • Bank Robbery: Robbery trends, robbery response before, during & after a bank robbery and the Employee Assistance Program

  • Physical Security:  Alarms & cameras, vaults & safes, card access, biometrics, bandit barriers & dye packs, ATMs (lighting & landscaping) and facility risk assessment will be covered

  

  • Employee Safety:  Developing a workplace non-violence program, identifying threats and dealing with problem employees and customers, plus much more.

The presenter will be Charles Williams of Marketing Advertising Consulting Services out of Eastman. Click here for more details about the Academy and start earning your certificate of graduation. For more information or to register, please call Courtenay Pope at 404.420.2015.
Sign up for GBA’s Advanced Consumer Lending Seminar Scheduled for Nov. 17

This advanced class will tackle more complicated credits that require an analysis of the customer’s cash position from tax returns. Participants will review tax returns from applicants who are self-employed to help identify their true cash position and their true income.

  This seminar is designed for lenders with one year of experience in consumer lending. Sign up now for the Advanced Consumer Lending seminar on Nov. 17 at Idle Hour Country Club in Macon. With questions, please call GBA’s Courtenay Pope at 404.420.2015.
401(k) Retirement Plan Administration & Investments Seminar is Nov. 17 & 18
The annual GBA Retirement Services 401(k) Administration & Investment Seminar will be held in two sessions again this year to accommodate more bankers from across the state. The dates and locations are at the GBA office in Atlanta on Tuesday,     Nov. 17, or at Idle Hour Country Club in Macon on Wednesday, Nov. 18. Investment review, 401(k) testing, year-end census submission, administration procedures and legal updates will be covered.   The seminar is also a great opportunity to meet the GBA Retirement Services staff and providers who work so closely with the 401(k) Trust member banks. The programs offered through GBA Retirement Services provide flexibility to meet the needs of any bank or associate member who may be looking to add or change their qualified retirement plan. For more information, contact Mandy Richards at 404.420.2025.

Register now for the Advanced Loan Documentation Seminar on Dec. 9
Taught by Mike Allen, President and CEO of Georgia Trust Bank in Buford, this one-day course is designed for commercial loan officers, commercial loan personnel, loan assistants and closing specialists. Solid information about preventing loan losses through implementation of proper loan structuring and documentation techniques will be supplied.   Topics to be discussed include guarantees; specific collateral types; commitment letters vs. proposal letters and much more. The GBA’s Advanced Loan Documentation seminar scheduled for Wednesday, Dec. 9, at Idle Hour Country Club in Macon. To register, please click here. With questions about the seminar, please contact Courtenay Pope at 404.420.2015.
GBA’s Bank Secrecy Act Seminar – Dec. 16: Learn How to Handle the Internal BSA Work Volume
BSA compliance is much more than completing CTRs, SARs, and a $3,000 log. It includes a risk assessment of the bank’s customers to identify “high-risk” accounts as well as comprehensive internal audit and independent review procedures. Many banks are struggling with the volume of all this work. Steve Moore with Bank Compliance Services is the instructor.   GBA’s Bank Secrecy Act seminar is Dec. 16 at Idle Hour Country Club in Macon. The registration fee is $225 for members. With questions or to register, please contact GBA’s Courtenay Pope at 404.420.2015.

November AIB Instructor Led On-Line Course Offerings

Here are the instructor-led AIB online classes offered in November. 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.  

Please see the AIB Online Course Schedule for a complete listing or call GBA’s Alison Moreau at 404.420.2034 with questions.
Register for GBA Webinars Today – Reg. DD Compliance, Construction Lending, RESPA & More
GBA will offer the following webinars the week of Nov. 9:   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.
Simpler, Faster, More Effective Dishonored Check Recovery Service
Help your bank provide a value-added service to its customers to enable them to avoid the hassle and losses from bad checks. Through its Federal Automated Recovery Systems (FARS) program, Infinity Business Group, Inc. (IBG) partners with banks to offer a full-service check recovery program for all business checking customers. This program is a FREE, value-added service you can offer to your customers while providing fee income to your bank. Here’s how it works. The FARS program electronically processes check recovery actions from beginning to end. The implementation and maintenance for the FARS program is completely FREE for your business customer. The check writer pays the state-regulated fees to cover the cost of collections, $30 for Georgia, and the FARS program reimburses the full face amount on all checks collected. The business customer’s account is credited daily, upon recovery of funds, the dollar amount of all collected checks.   The customer can monitor dishonored check activity through their 24/7 internet reporting system. For the bank, this program creates a new non-interest revenue source of income. As a GBA Strategic Partner, IBG has the full endorsement of the GBA as a quality business partner. IBG also has an existing marketing relationship with Securitas Financial Services, located in Georgia, which is an Associate Member of the GBA. For more information, please contact IBG’s Jeff Lyle at 803.358.7107, Securitas Financial Services’ John Holmes at 706.468.8869, or Frank Sutton at 229.686.3598. For GBA Strategic Partner Information, contact Levi Crabtree, Member Relations Assistant, at 404.420.2022.
Do you know which customers are generating a profit for your bank?
Banks are under increasing pressure during these uncertain economic times to maximize their bottom line profit. However, many banks are unable to identify the customers who are generating their profit. If you do not know who is generating profit, it is difficult to effectively manage your bank’s bottom line. Fidelity National Information Services, Inc. (FNIS) can provide you with the capability of knowing who your most profitable customers are and will help you develop a plan to retain these customers. Fidelity will customize its profitability module, CONNECTIONS, for your bank to accurately calculate the profitability of each account each month.  You will not only be able to identify which customers are profitable, but you will also receive a comprehensive analysis of the profitability of your bank through the following detailed reports:

  • Profit by Decile - Displays the most profitable to least profitable customers.

  • Profit by Portfolio - Displays the loan, deposit and overall profit for all customers by employee.

  

  • Profit by Group - Displays customer profitability by category (Bronze, Silver, Gold, Diamond, etc.

  • Profit by Location - Displays the current and average profit for each location.

  • Product Profit & Loss - Displays the number of accounts, balance and profit for each product.

To ensure the accuracy of these reports, CONNECTIONS will provide a total profit for your bank and balance it to your general ledger each month.

Click here to view the online demo of FNIS’ CONNECTIONS module. Please contact Bill Armistead at 205.222.4003 to learn more about CONNECTIONS.
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

 We Will Miss...
 T. M. Fort Jr. who was Chairman of the Board of Farmers State Bank, Lumpkin. He had been a member of the bank's board for more than 50 years.

 Johns Creek - KeyWorth Bank
 Erin Padgett has joined the bank as Financial Services Representative.

Waycross - Waycross Bank & Trust
William F. Brunson Jr. and J. Al McKinnon have joined the bank's Board of Directors.

  

Padgett

Calendar of Events
Details for November

 

Conferences

 
Dec. 3-4 Credit Conference Atlanta
Jan. 20-21 Financial Risk Management Conference Atlanta
Mar. 2-3 Operations and Technology Conference Atlanta
Mar. 17-19 HR Professionals Institute Atlanta
Apr. 13-14 Security Conference Atlanta
May 13-14 Rural Development and Lending Conference Savannah
     

Conventions/Events

 
Jan. 13 Legislative Reception Atlanta
June 13-16 Annual Convention Charleston, SC
 

Schools

 
Feb. 22-24 Southeastern School of Advanced Commercial Lending Nashville, TN
March 7-12 Southeastern School of Consumer Credit Nashville, TN
May 2-7 Georgia Banking School Athens
 

 

 
 

Seminars

 
Nov. 9 Opening Deposit Accounts II: Personal Accounts: Documenting Existence & Authority Webinar
Nov. 10 Bankruptcy, Garnishment, Liens & Levies Macon
Nov. 10 Bank Security Seminar: Bank Robbery/Physical Security Macon
Nov. 10 Basic Cash Flow Analysis Webinar
Nov. 10 TISA (Regulation DD) Compliance Webinar
Nov. 12 Construction Lending Webinar
Nov. 12 Analyzing Financial Statements Webinar
Nov. 12 RESPA, Part 2: Understanding & Completing the New Good Faith Estimate Webinar
Nov. 16 Accounting Essentials for Bankers Webinar
Nov. 17 Advanced Consumer Lending Macon
Nov. 17 Retirement Plan Administration and Investments Seminar Atlanta
Nov. 17 Safe Deposit Compliance & Legal - 2009 Update Webinar
Nov. 17 Are You Accepting Proper Appraisals? New Regulator Attention to the Requirements Webinar
Nov. 17 STOP the Losses, START the Cross-Selling Webinar
Nov. 18 Retirement Plan Administration and Investments Seminar Macon
Nov. 19 What to Do When a Deposit Customer Dies Webinar
Nov. 19 Opening Deposit Accounts III: Fiduciary Accounts: Documenting Ownership & Authority Webinar
Nov. 20 RESPA, Part 3: Understanding & Completing the New HUD-1/1A Webinar
Dec. 3 2009 IRS Information Reporting, Part 1 Webinar
Dec. 8 Special Rules for Private Education Loans Webinar
Dec. 9 Advanced Loan Documentation Macon
Dec. 10 Collections and Recoveries Macon
Dec. 10 2009 IRS Information Reporting, Part 2 Webinar
Dec. 16 Bank Secrecy Act Compliance - A NEW ERA Macon
Dec. 17 Analyzing Commercial Financial Statements Macon
Jan. 19 Bank Security Seminar: Employee Investigations Macon
Jan. 28 Bank Security Seminar: BSA/AML Compliance Macon

Feb. 18

Bank Security Seminar: Efective Information Security Management

Macon
Mar. 11 Bank Security Seminar: Fraud Macon
   
  American Institute of Banking (AIB)  
Ongoing AIB Online Courses Online
Ongoing AIB Online - Instructor-led Online
  AIB Classroom Courses  
     
Board/Committee Meetings  
Jan. 13 GBA Board of Directors Atlanta
     
  Roundtables/Peer Groups  
Nov. 20 President/CEO Roundtable, Group 1 Macon
 
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Georgia Bankers Association • 50 Hurt Plaza, Suite 1050, Atlanta, GA 30303 • Phone 404.522.1501 • Fax 404.522.9848 • www.gabankers.com