October 16, 2009 

GBA’s Legislative Reception – Jan. 13 – All Invited to Afternoon Update
GBA’s annual Legislative Reception honoring the members of the General Assembly, the constitutional officers, the statewide judiciary and other dignitaries will be held Wednesday, Jan. 13, 2010, at the Georgia Aquarium from 6 p.m. to 7:30 pm. The GBA Board of Directors, the GBA Public Affairs Committee members and the GBA BankPAC Board of Directors have always met during the afternoon of the reception for an update on legislative issues. To add value to your experience this year, we are inviting all legislative reception attendees to join those committee and board members at the pre-reception meeting. Everyone will gather at the Embassy Suites, Centennial Olympic Park, where Dr. Roger Tutterow, professor of Economics at Mercer University in Atlanta, will provide an update of the current national and state economic environment. We're still working out the full afternoon agenda, so we'll let you know about that specific time soon.   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 was scheduled to speak; this gives you a chance to hear from him. And for those of you who attended the Forums in southwest and southeast Georgia, you will hear fresh information from the latest economic data. Key Georgia legislators will also be joining us to bring you up to date on the latest issues the banking industry will be facing in the 2010 legislative session. Detailed information about the reception will be mailed in early November. With questions, contact GBA’s Susie McGehee, 404.420.2010.
New Consumer Agency Update: House Financial Services Begins Markup
The House Financial Services Committee this week began discussions and markup of the proposed Consumer Financial Protection Agency (CPFA) legislation. Markup began Wednesday and is scheduled to continue into next week. It's clear that bankers' voices have been heard in the halls of Congress. When Chairman Barney Frank (D-Mass.) released a new draft bill a few weeks ago, he had already taken out provisions requiring banks to offer government-designed “plain vanilla” products and that communications with consumers be “reasonable.” At Thursday's session, the committee adopted a positive amendment that limits the new agency's supervisory authority to banks over $10 billion. There are lots of details to review, but this is a step in the right direction as the vast majority of our members would still be examined for consumer compliance by your prudential regulator. Even with this positive amendment, the new agency would have rulemaking authority for all institutions, regardless of size.   We are concerned about many other amendments that wouldn't be as positive but that have a good chance of passage. We are particularly concerned about amendments relating to preemption as that's proven to be an important tool to ensure state and federal laws stay in close sync. Remember the Georgia Fair Lending Act? Without preemption and language we asked to be included in the Georgia statute, that bill that cut off credit for customers of traditional banks would still be applicable to our members. The banking industry is not alone in opposing the CPFA proposal. The U.S. Chamber of Commerce is also making a considerable push to outline how the proposed agency would affect businesses and consumers far beyond the scope of what people consider to be traditional financial services companies. We've posted the discussion draft of the legislation on our home page, and we’ll keep you updated on the legislation’s progress. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
FDIC Summary of Deposits and Market Share Reports Released  –  GA home to  $186 Billion
The updated statewide and national summary of deposits was released by FDIC Thursday. It provides a snapshot in one day's time of how the state's overall deposit pie is sliced up among all banks operating in the state. The numbers are from reports submitted after the close of second quarter 2008. So, while dated, there is some interesting information. At the time, Georgia had 359 total institutions operating in state. With Georgia's 24 closures since then and the closure of Colonial, that puts the current running total of banks operating here at 334.   Deposits at that time were $186 billion for all banks. Georgia's top five market share banks held 50.22 percent of the state's deposits. The top five were SunTrust (17.2%), Wachovia  (14.31%), Bank of America (10.34%), BB&T, (4.92%) and Regions (3.45%). Also, check out some of the new reporting information the FDIC has included. There are some pretty good charts and graphs, such as those that can be found on the Summary Tables tab and the U.S. map of deposits by state you can find on the Charts and Graph tab.
Georgia Collateral Included in Upcoming FDIC Auction of Participation Loans
The FDIC last week opened the due diligence period for the sale of more than $150 million in loan participations from five non-Georgia banks in FDIC receivership. However, the portfolio consists of commercial real estate loan participations, performing and nonperforming, with collateral located in Georgia as well as Nevada, Arizona, Florida, California, North Carolina, North Dakota and Oklahoma.   First Financial Network, Inc., a loan sale adviser to the FDIC, is managing the auction of assets from the Bank of Wyoming in Thermopolis, Wyo.; BankFirst, Sioux Falls, S.D.; Community Bank of Arizona, Phoenix; Community Bank of Nevada, Las Vegas; and Integrity Bank, Jupiter, Fla. Each of the 76 loans in the portfolio will be offered on an individual basis, with bids due on Tuesday, Nov. 3. Due diligence materials are available to qualified bidders on First Financial Network’s Loan Trading Platform.
Interchange: House Committee Hearing Highlights Consequences to Consumers
At a hearing last week about proposed payment-card interchange rates (HR 2382), members of the House Financial Services Committee heard testimony that specifically noted potential negative outcomes for consumers of capping interchange network rates. Our thanks to Rep. David Scott (D GA), who was among the committee members who asked productive, constructive questions of the witnesses. In our conversations with the Georgia delegation, we have asked that they keep in mind that the merchants, mostly the larger ones like Wal-Mart, would love nothing better than for congress to weigh in on this dispute among two business groups. Bottom line is that the merchants don’t want to pay you for the services that come with their acceptance of credit and debit cards.   When we did a survey among our members last year, many of you told us that the fees you earned on interchange were significant to your bottom lines. And when bank profitability is under all time stress, we’re working hard to preserve every option. We’ll keep you posted about the bill’s progress as we continue to oppose the legislation because it could weaken a bank’s ability to offer free checking and other low-cost services that interchange income helps pay for. With questions, contact Joe Brannen, 404.420.2026 or Elizabeth Chandler, 404.420.2027.

Deadline Extended for Sarbanes-Oxley 404(b) Compliance

For our smaller publicly-traded members, it is of note that on Oct. 2, the Securities and Exchange Commission (SEC) announced a nine-month deferral on Sarbanes-Oxley Act (SOX) Section 404(b) compliance for the smallest publicly reporting companies. Under the provisions of SOX 404, public companies and their independent auditors are each required to report on the effectiveness of company internal controls.

  The extension granted by the SEC will provide non-accelerated filers, those companies with a public float below $75 million, with a reprieve from independent auditor attestations until annual reports for fiscal years ending on or after June 15, 2010 are filed. The SEC has not published the final rule providing for the extension, but based on prior extensions, it is likely the deadline only applies to independent auditor attestations. Consequently, disclosure of management attestations on internal controls continues to be required. Check with your auditor and legal counsel to ensure you’re in compliance.
Reminder: Disaster Assistance Deadlines Nearing

If you have customers whose jobs were affected by recent flooding in many Georgia counties, they still have time to apply for FEMA’s Disaster Unemployment Assistance Program, but the deadlines are coming up. Disaster unemployment can include those who don't normally qualify for unemployment insurance benefits such as the self-employed and farmers. The filing deadline in Carroll, Chattooga, Cherokee, Cobb, Douglas, Paulding, Stephens and Walker counties is Monday, Oct. 26. The deadline in Bartow, Catoosa, Coweta, DeKalb, Fulton, Gwinnett, Heard, Newton and Rockdale counties is Friday, Oct. 30.

  Benefits are administered by the Georgia Department of Labor through a partnership with the Federal Emergency Management Agency. Disaster unemployment can extend for as long as 26 weeks from the day the disaster is declared. The Georgia Department of Labor has a dedicated toll-free number to assist the public with Disaster Unemployment questions. People may call 877.709.8185 or check out the Department of Labor's Web site.
2009 BankPAC Campaign Update
Since our last update, the following companies have contributed to the GBA StatePAC:

  • Georgia Bank & Trust Company, Augusta, Dan Blanton, CEO

  • Citizens Bank & Trust Company, Eastman, Jim Williams, CEO

  • Kilpatrick Stockton, LLP, Atlanta, Richard Cheatham, Partner

  • Morris, Manning & Martin, LLP, Atlanta, Dan Brannan, Partner

  • TIB - The Independent Bankers Bank, Irving, TX, Michael O'Rourke, CEO

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

  • Guardian Bank, Valdosta, Ansel Clark, CEO

  • TIB - The Independent Bankers Bank, Irving, TX, Michael O'Rourke, CEO

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.
Tee It up to Support GBA BankPAC at the Georgia BankPAC Classic – Oct. 28
Time’s running out for you to register for Leadership GBA’s eighth-annual Georgia BankPAC Classic, slated for Wednesday, Oct. 28, at Idle Hour Country Club, Macon. This two-person scramble tournament is a great opportunity to invite your legislators and directors to meet with your colleagues in the banking industry.  But most important, you are supporting GBA’s Political Action Committee (PAC) so we can support candidates who will listen to our members’ concerns.

 

Registration is $150 per person, $250 per team or $450 for a team and hole sponsorship with the proceeds being donated to the GBA StatePAC. With questions, contact Susie McGehee at 404.420.2010.
Find out What’s Next for the Ongoing Evolution of Marketing
GBA’s Marketing Conference has a history of providing outstanding speakers and topics and this year’s conference is no different. The theme for this year’s conference is “Marketing Evolution: What’s Next?” Topics include communications and marketing – adapting how we tell our story, a peer exchange and an interactive marketing workshop.   This year’s conference is scheduled for Oct. 27-28 at the Cobb Galleria Centre in Atlanta. For more information, please contact GBA’s Marybeth Jones at 404.420.2032.
Sign Up Now for the Southern Operations & Technology School
Bank operations are central to the business of commercial banking. Specialists and generalists in the field of commercial banking need broad-based as well as in-depth knowledge. They can gain both by attending the Southern Operations & Technology School. The 2009 session of the school is scheduled for Nov. 1–6 at the University of Georgia Center for Continuing Education in Athens. The curriculum for the two-year school is designed to provide an excellent foundation and supply the most current information related to operations and technology.   Faculty members are working bankers who understand real-world issues. Topics are integrated into a rigorous schedule of lectures, discussions, joint case studies and outside studies. Between the two resident sessions, students work on their own bank-specific project to help their bank and enhance their value to their organization. In addition, they build a strong network of peers to call on for ideas, advice, and best practices going forward. For more details or to register, please call GBA’s Marybeth Jones at 404.420.2032.
Credit Conference Spotlight: Consumer Compliance Regulations? But I’m a COMMERCIAL Lender!
The truth is, a lot of so-called "consumer compliance" regulations apply to commercial loans, too. Think HMDA, flood requirements, the Equal Credit Opportunity Act, BSA/CIP, Fair Housing, and CRA, for starters. New requirements and revisions to the old requirements are happening at breakneck speed. Then there is the tricky "accommodation loan," a situation that every commercial lender needs to be able to handle. For example, say one of your best business customers is ready to close on a simple auto loan. He calls you the day before the closing to ask you to add his home as additional collateral for the loan. He has spoken to his CPA, and wants to take advantage of a tax break. Is this still permissible?   Join Sarah Draut and Bill Pitt, Credit & Compliance Financial Resources, Inc. as they provide the answer during the annual Credit Conference scheduled for December 3-4 at the Cobb Galleria Centre in Atlanta. They will also discuss a number of consumer regulations commercial lenders need to be aware of and review recent (and upcoming) changes to Truth in Lending and RESPA. In addition, they will provide a useful cheat sheet to help you determine what regulations apply and when. For more information, please contact GBA’s Marybeth Jones at 404.420.2032.
Save on Georgia Banking School, Early Registration Underway for Class of 2012 
Take advantage of the early registration rate of $1,525 by registering for the first-year class of the Georgia Banking School by Dec. 31. Tuition includes lodging, breakfasts, lunches, textbook, instruction and all class materials. The 2010 session is May 2-7. The school prepares first-level managers to effectively and profitably serve the public by developing a thorough understanding of banking practices, regulations and management principles.   The school includes three intense one-week residence sessions at the University of Georgia and requires students to complete home study problems between sessions. The school provides a well-balanced curriculum featuring UGA faculty members, veteran bankers and other well-qualified industry experts and specialists. For more details or to register, please call GBA’s Marybeth Jones at 404.420.2032.
Reminder: Loan Documentation and Advanced Loan Documentation Seminars Nov. 3 and Dec. 9

Check those calendars and make the necessary adjustments. We’ve re-scheduled our Loan Documentation and Advanced Loan Documentation seminars for Nov. 3 and Dec. 9. The seminars are at Idle Hour Country Club in Macon.

  

The registration fee is $225, but if you register for the Advanced Loan Documentation seminar you will receive a discounted rate of $400 for both seminars. With questions, contact Courtenay Pope, 404.420.2015.
Sign up now for GBA’s Analyzing Personal Financial Statements Seminar – Nov. 4

Designed for credit analysts, branch managers, consumer lenders and entry-level commercial lenders the GBA’s Analyzing Personal Financial Statements seminar will be Thursday, Nov.4, at Idle Hour Country Club in Macon. This course will be led by Mike Allen, President & CEO of Georgia Trust Bank in Buford. Topics covered at this one-day seminar include how to:

  • Identify new cross-selling opportunities

  • Develop a pattern of logical, analytical thinking

  

  • Examine a personal tax return for hidden information

  • Develop an adjusted net worth

  • Make valid credit decisions based on careful analysis

  • Identify if income is continuing, verifiable and recurrent.

The registration fee is $225 for members. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
Attend Security Seminar – Nov. 10  –  Get Credit Toward 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 the 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 nonviolence 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. The seminar is both a stand-alone event and also Session 1 of GBA's popular Bank Security Academy. Click here for more details about the Academy and start earning your certificate of graduation. For more information or to register for this seminar, please contact Courtenay Pope at 404.420.2015.
Bankruptcy, Garnishments, Liens and Levies Seminar Set for Nov. 10
Designed for collection officers, compliance officers and operation officers, this one-day seminar will address the changes and modifications in federal bankruptcy law as well as other changes and developments in the area of liens, levies and garnishments. Bankruptcy, Garnishments, Liens and Levies seminar will be Tuesday, Nov.10, at the Idle Hour Country Club in Macon.   The registration fee is $225 for members and the instructor is Gary Moser with Moser, Rose & Cox, Valdosta. With questions or to register, please call GBA’s Courtenay Pope at 404.420.2015.
Advanced Consumer Lending Seminar – Nov. 17

Designed for lenders with one year of experience in consumer lending, this advanced class will tackle more complicated credits that require an analysis of the customer’s cash position from tax returns.  Participants will also review tax returns from applicants who are self-employed to help identify their true cash position and their true income. 

   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
The annual GBA Retirement Services 401(k) Administration & Investment Seminar will be held in two sessions again this year to accommodate more bankers across the state. The dates and locations are at 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 most beneficial to current Trust members, but if you are interested in reviewing your current plan.     It 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.

Join Us at the GBA-U Bank Trainer Peer Group – Oct. 29
Please join bank trainers from around the state for the GBA-University’s Bank Trainer Peer Group meeting Oct. 29 at Idle Hour Country Club in Macon hosted by Atlantic Southern Bank. You will hear first hand from bank executives about their beliefs in training, and one bank will share its training philosophy.   Bring your training calendar as we will end the meeting with a facilitated discussion about education planning for 2010. With questions about the meeting or to register, contact GBA’s Alison Moreau at 404.420.2034.

Don’t miss out, Register today for these upcoming AIB Courses 

Here are the instructor-led AIB online classes offered the week of Nov 9. 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 Introduction to Mortgage Lending (16 weeks, $405) beginning Nov 2. Please register as soon as possible to secure a seat in this class. Please see the AIB Online Course Schedule for a complete listing or call GBA’s Alison Moreau at 404.420.2034 with questions.
October Webinars – Register Today
GBA will offer the following webinars the week of Oct. 19:   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.
Tips for Counseling Students, Parents about Credit Cards
The new credit card law passed earlier this year that takes effect in February will prevent many adults under 21 from getting a credit card without a parent cosigner or proof of independent income.  Many of your clients may be asking you about these new rules and for help educating their children about credit cards. Below are some helpful tips from the ABA Education Foundation about credit education you can share with your customers. Also, we encourage our bankers to participate in GBA’s Personal Economics Program (PEP). We have all sorts of great materials you can use to get out into your schools and community groups to promote smart financial management. During the past year, Georgia Bankers have provided money education to more than 37,000 Georgians. Touch base with your bank’s Leadership GBA representative or contact Jennifer Stevens at 404.420.2024.

Tips for young adults seeking credit include:

  1. Know the power of credit.  Creditors look at your credit history as an indication of your future financial behavior.  Using credit wisely builds a good credit history. 

  2. Read the fine print.  Read your application carefully before signing--it’s a legally binding contract. Credit card issuers are competitive so interest rates, credit limits, grace periods, annual fees, terms and conditions vary.

 

  1. Pay at least the minimum due on time.  This will help you avoid late fees and a rising annual percentage rate (APR). To reduce your balance quicker, pay more than the minimum due.

Tips for parent cosigners include:

  1. Understand your responsibilities. As a parent cosigner, you will not receive statements and do not have online access to the account without their permission. If the borrower defaults, as a cosigner you are liable for paying the balance. 

  2. Financially educate your young adult. Before going to the bank for credit, go for financial education. Make sure your young adult understands things like APR, their credit report and how to use credit responsibly.

  3. Be a money-savvy parent. Children tend to emulate the financial habits of their parents. Be a good example by paying bills on time, being a conscientious spender and an active saver.

 
Welcome New Associate Members
Congratulations to the following companies that were approved for associate membership at the Oct. 6 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.
2009 Salary Survey Complete
We appreciate everyone’s participation in this year’s salary survey!  The completed survey has been mailed or e-mailed this week to those banks that participated in the compilation. We are very excited about this year’s survey and feel certain the information collected will be a valuable resource for you throughout the next year!   If you were unable to participate but would still like to receive a copy, contact Kenyetta Parks at 404.420.2035. The results are available in hard copy or PDF format.
Order Now: Georgia Financial Directories Supplies are Limited
The Georgia Financial Directory contains complete information about all the banks in the state and is invaluable to banking professionals. Also included are listings of Associate Members, Members of the Bank Counsel Section and GBA's Strategic Partners.   Get yours today because quantities are limited. Complete the easy online order form, or for more information contact Kenyetta Parks, 404.420.2035.
Develop and Retain Your Company’s Top Employees

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

  So how do financial institutions accomplish this? TalentQuest, for Financial Services, integrates standardized job descriptions, competency models and Peak Performer Profiles into a talent management system designed to guide financial institutions through each stage of the employee lifecycle. Now more than ever, it is crucial to ensure you have the right people in the right places and that your top talent is fully engaged.  Doing so will help you gain efficiencies, which will ultimately help you outperform your competitors in 2009 and beyond. For more information, please contact Jon Naphin at TalentQuest at 404.965.5221.
Provide Your Customers a Quality 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, Strunk and Associates' resources have been dedicated to the development of the 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 website or call 800.728.3116.
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

Columbus - Columbus Bank & Trust
William R. “Billy” Blanchard has been appointed President. Steve Melton will continue in his role as the bank’s CEO and as Synovus Regional CEO, and Jimmy Yancey will remain Chairman of the Board of Directors.

LaGrange - Commercial Bank & Trust
William F. McRae has been appointed President and CEO. The bank’s former President and CEO, Robert L. Carmichael, has been named Executive Vice President and Regional Chief Operating Officer for the bank’s holding company, Synovus.

Ringgold - Northwest Georgia Bank
Phil Shannon has been promoted to Associate Commercial Lender and Assistant Branch Manager and Johnny Morris to Associate Commercial Lender.

  

Melton


Shannon
Carmichael


Morris
 

Calendar of Events
Details for October & November

 

Conferences

 
Oct. 27-28 Marketing Conference Atlanta
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

 
Oct. 28 Georgia BankPAC Classic Macon
Jan. 13 Legislative Reception Atlanta
June 13-16 Annual Convention Charleston, SC
 

Schools

 
Nov. 1-6 Southern Operations and Technology School Athens
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

 
Oct. 19 ACH 101, Part 1 Webinar
Oct. 20 Change, and More Change - Reg. Z and the Fed’s Rolling Review and Change Process Webinar
Oct. 20 Opening Deposit Accounts I: Business Accounts: Documenting Existence & Authority Webinar
Oct. 21 ACH 201, Part 2: Understanding International ACH (IAT) Transactions Webinar
Oct. 22 Detecting Counterfeit Checks, On-Line Scams, Money Orders & More Webinar
Oct. 22 Preparing For Your Next On-site BSA/AML/OFAC Examination Webinar
Oct. 28 IRA Rollovers, Transfers and Distributions Webinar
Oct. 28 The Professional Credit Analyst Webinar
Oct. 29 Basic Lending Issues: Perfection to Collection Webinar
Oct. 29 Online Fraud & Identity Theft: Key Drivers for Enhanced Security, Authentication & Regulation Webinar
Nov. 4 Analyzing Personal Financial Statements Macon
Nov. 4 Preparing for Your Next Regulatory Exam…or rather being prepared for your next regulatory exam Webinar
Nov. 5 FACT ACT - New Accuracy & Integrity Rules Webinar
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 TISA (Regulation DD) Compliance 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 STOP the Losses, START the Cross-Selling Webinar
Nov. 18 Retirement Plan Administration and Investments Seminar Macon
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  

Oct. 21

Finance/Operations Roundtable, Group A

Macon

Oct. 22

Finance/Operations Roundtable, Group B

Macon

Oct. 23

Finance/Operations Roundtable, Group C

Macon
Oct. 29 Bank Trainer Peer Group Macon

Nov. 4

President/CEO Roundtable, Group 5

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