September 25, 2009 

Georgia Banker Blanton Appointed to FDIC Community Banking Advisory Board

Congratulations to former GBA Chairman, Dan Blanton, CEO, Georgia Bank and Trust, for being named to the FDIC’s new Advisory Committee on Community Banking. The 14-member committee will provide the FDIC with advice and recommendations on a broad range of policy issues that have particular effect on small community banks from around the nation and the local communities they serve, with a focus on rural areas. For more information on the Advisory Committee on Consumer Banking, please visit the FDIC's web site.

  

“It is great news for our state’s banks to have someone of Dan’s caliber to have direct input with Chairman Bair,” said Joe Brannen, GBA President and CEO. The FDIC received more than 200 applications from interested individuals to participate on the committee. The committee's first meeting is scheduled for Oct. 15, 2009, at FDIC headquarters in Washington, D.C. We've offered to compile suggestions from our members, so if you have ideas and input you’d like us to share with Dan, please let us know. Contact Joe Brannen 404.420.2026, or Elizabeth Chandler, 404.420.2027.

Proposed Consumer Financial Protection Agency Modifications Heard
In a busy week of hearings on Capitol Hill, we learned of modifications being made to the proposed Consumer Financial Protection Agency. While there are a handful of positive changes, other challenges and existing problems with the legislation remain. House Financial Services Chairman Barney Frank (D-Mass.) released an outline of his changes that included removing requirements that banks offer government-designed plain-vanilla products. Treasury Secretary Timothy Geithner told the committee that he supports that change, among others. However, Chairman Frank also wants to exempt nonfinancial businesses from the agency’s oversight even if they offer the same types of financial products as banks, such as retailers who offer credit or layaway plans or auto dealers who offer car loans.   This seems to be at odds with the stated intent to provide consistent regulation for all financial products and is overly punitive to the already highly regulated banking industry. We remain concerned about other provisions that would allow states to preempt the new agency’s work with more restrictive consumer laws, the conflicts that would arise between a consumer regulator and the prudential regulators and the unprecedented broad powers that would be handed to the new agency. We will be following this closely as the new provisions are put into legislative language, but one fact remains – there is a lot of opposition from bankers to this new agency, which we will continue to make known. With questions, contact Elizabeth Chandler, 404.420,2027 or Joe Brannen, 404.420.2026.

Overdraft Programs and Policies Make Headlines This Week

There’s growing political interest in introducing more regulation related to bank overdraft protection programs. Senate Banking Committee Chairman Chris Dodd (D-Conn) said earlier this week he intends to introduce legislation that would require banks to get a customer's permission before covering overdrafts. And, House Financial Services Committee Chairman Barney Frank (D-Mass) also weighed in, saying in a Washington Post article, "Banks should understand that they can't have it both ways," He said that either the new consumer protection agency will write new overdraft protection rules or, if banks succeed in blocking creation of the proposed new agency, Congress will pursue a strong overdraft bill.” Banks, meanwhile, are already making adjustments to their programs based on consumer input, without the need for more regulation or legislation. Bank of America, Chase and Wells Fargo/Wachovia  this week announced significant modifications to their overdraft programs.

  The companies reduced the number of daily overdraft fees possible, eliminated fees for consumers who are overdrawn by very small amounts and modified policies so customers would be able to opt-in for overdraft services. Chase also changed its transaction posting order to recognize debit-card transactions and ATM withdrawals as they occur, and Bank of America announced an annual limit on point-of-sale overdrafts. See the links earlier in the story for full details about their changes.  Joe Brannen, GBA President and CEO said, “Even with these changes, we continue to remind consumers that overdraft fees are completely avoidable. We strongly encourage consumers to keep track of every transaction, including deposits, checks written, ATM withdrawals and debit-card purchases. With online banking, e-mail balance alerts, mobile banking and other technology, it has never been easier for a consumer to keep accurate tabs on their own accounts.”
FDIC Fund Update: Bair Says Alternatives to Special Assessment are on the Table

While your checks are virtually in the mail for the special FDIC premium assessment announced earlier this year (due Sept. 30), the FDIC in the coming weeks will outline its plan for further replenishing the deposit insurance fund. Chairman Sheila Bair earlier this week said the FDIC is considering “all options” to replenish the fund, including those that would avoid an additional special premium. While she did not rule out another assessment, she did say other options being considered include using the agency’s line of credit with the Treasury Department, issuing debt to the industry or requiring institutions to prepay their assessments for next year. “We continue to encourage the FDIC to use alternatives to new or special premiums,” said Andy Williams, GBA Chairman, and CEO, United Community Bank, Blairsville.

   "Another special assessment right now would further erode capital levels at banks at a time when FDIC and other regulators are pressing banks to retain higher capital levels. Banks remain fully committed to supporting the fund and protecting depositors, but there are ways to do that over time that don’t create more immediate stress on either our ability to provide credit to our customers or the stability of our institutions.” That sentiment has been shared recently by members of congress, too. Sen. Carl Levin (D-Mich.) and House Financial Services Committee Chairman Barney Frank (D-Mass.) publicly urged the FDIC to borrow money from Treasury rather than impose another special assessment. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
Deal Supports Net-Operating-Loss Carryback Legislation
The GBA has been following closely legislation introduced by Cong. Richard Neal (D-Mass.), H.R. 2452, that would extend the net-operating-loss carryback period from two to five years. We were pleased to note this week that Cong. Nathan Deal (R-Ga.) signed on to the bill, raising the total number of cosponsors to 115.   While no hearings have been scheduled yet for this important bill, we will continue to push for action. For more information, contact GBA’s Elizabeth Chandler at 404.420.2027.
Brannen, Other Association Executives Share State of Their States

In the September edition of the ABA Banking Journal, there’s a roundtable discussion, featuring five state banking association executives. Speaking on behalf of Georgia’s banking industry, Joe Brannen, outlines the significant economic and media challenges the industry has faced.

   “When the mortgage market disappeared with the meltdown of subprime, the music stopped,” he said during the roundtable. That in turn, put the clamps on business for builders, developers and support industries, “and those were the people that our banks had extended credit to,” he adds. Other state association executives featured include those from California, New York, Kansas and Arizona.
GBA in the News: CPP Dividends, Acquisitions and Compensation

It's been a busy news week. GBA provided industry-supporting perspective and commentary for stories related to several key topics. The Atlanta Business Chronicle picked up on the $161.8 million in CPP Dividends paid to date by Georgia banks that we noted in our September Georgia Banking Update. Joe Brannen, GBA president and CEO, said the CPP is “a buy-in capable of producing good returns for taxpayers, not a bailout for our state’s banks. Georgia’s banks have been good stewards of the investments they’ve gotten from the government.” Also in a  Business Chronicle article about the ability of Georgia banks to make acquisitions, Joe commented on the fact that there are a number of Georgia institutions expressing interest in acquiring other in-state banks. And, we also weighed in on the compensation debate, sticking up for market-based compensation policies rather than government mandates. Joe was featured in a "Pro & Con" piece in the Atlanta Journal Constitution Sunday explaining the case against international, one-size-fits-all compensation guidelines and in a follow up article related to the possible Fed compensation guidelines that have been reported. In the pro/con article, Joe said, “There should not be government-imposed limits on how much anyone in the private sector gets paid, regardless of whether you are a banker, a construction worker or a small business owner. Compensation should be set by the market, private employers, boards of directors or shareholders. International standards would be an inappropriate one-size-fits-all approach."

  "For example, the pay structure for employees at highly regulated small Georgia community banks already has little in common with investment banks in New York, Paris or Frankfurt. Compensation for any job should accurately reflect the value of the person to an organization and his or her ability and success. But that value should be determined by the market, not government. Compensation practices should encourage stable, long-term results, rather than incentives for short-term gains that can lead to taking unreasonable risks,” he said. Taking the pro position was Alfred Mettler, a clinical associate professor of finance, Georgia State University. “The three main areas where improvements are necessary are the long-term emphasis, the risk-reward aspects, and the profit/loss-symmetry of bonus programs,” he said. “In short: There should be no reward for taking excessive short-term risks, if there is no responsibility for bearing the possible losses from such a strategy. However, since banking is a global business, country-specific regulations will not do much. Unless the financial world agrees to new, international standards it does not make much sense for an individual country or bank to move forward. Do we need a G-20 agreement for this? Not necessarily, if the financial services industry comes up with its own meaningful approach, and if they execute it well, this would definitely be better than another layer of government bureaucracy.” We are available to assist you with any media inquiries or as a referral for local reporters. Contact David Oliver, 404.420.2036 or Joe Brannen, 404.420.2026.
Credit Union Borrowers Allege Fraud, Attempt to Get out of Loans
Here’s an unusual twist on a borrower lawsuit that also illustrates the extended reach of credit union lending efforts that go well beyond serving their local memberships. A group of borrowers has filed suit in federal court claiming a massive membership fraud at Huron River Area Credit Union, a failed Michigan credit union that financed speculative real estate deals in south Florida.    In short, the borrowers claim they weren’t actually legal members of the credit union, so the assignment of the construction loans and mortgages are void as illegal, meaning the NCUA as receiver of the failed credit union has no standing to collect or enforce the terms of the loans. Good luck with that position!
Flood Information Available from GBA Strategic Partner

The Georgia flood disaster should serve to remind all lenders that flood compliance is not only a requirement, but also a necessity. With borrowers across the state ravaged by this season’s flood waters, many lenders will only now discover the true quality of their current Flood Zone Determination providers. Federal Flood Certification Corp. has been offering Flood Zone Determinations since 1992 and a loyal GBA Strategic Partner providing products and services such as Life of Loan Certificates to member since 2008.

  For more information visit Federal Flood’s web site or contact Federal Flood’s Ed McLin at 214.441.5903 or Marshall Jobe at 800.449.3322 with questions.
2009 BankPAC Campaign Update
Since our last update, The Park Avenue Bank, Valdosta, Jay Torbert, CEO, has contributed to the GBA StatePAC and GBA FedPAC. The officers, directors and staff of Citizens Bank & Trust Company, Eastman, Jim Williams, CEO, have contributed to the GBA FedPAC. Thanks to all 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 contribution forms can be downloaded here.
Hit the Links at Leadership GBA BankPAC Classic – Oct. 28
Leadership GBA’s eighth-annual Georgia BankPAC Classic, is 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.

 

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, please contact GBA’s Susie McGehee at 404.420.2010.
Compliance Conference a Big Hit for Members
The 2009 Compliance Conference, held Sept. 17-18 in Macon, proved to be a great success. More than  50 compliance officers attended. A special thanks to Chair Colleen Cook with Atlantic Southern Bank, Macon, Vice Chair Tammy Stacy with The Brand Banking Company, Lawrenceville, and the Compliance Committee for planning a great agenda. Also a special thanks to conference sponsor Steve H. Powell & Company, Statesboro. With questions about the conference, the Compliance Peer Groups or the Compliance Committee, please contact GBA’s Marybeth Jones at 404.420.2032.  


From left: Dorothey Cunningham with Georgia Bank & Trust Company and Gayle Holbert with The Brand Banking Company strike a pose during the GBA Compliance Conference.
Economy, New Media, Leadership are Featured Topics at President/CEO Conference Oct. 4-6
This year’s GBA President/CEO Conference will offer exclusive information about the economy from Joe Keating, Chief Investment Officer, RBC Bank, Raleigh, N.C.; current trends in community bank asset quality related to commercial real estate lending from Steve Powell, President of Steve H. Powell & Company, Statesboro; how to keep your marketing young from Tim Pannell, President & CEO of Financial Marketing Solutions, Franklin, Tenn., and how to lead in difficult economic times from Dr. Bruce Bickel, Founder, Transformational Leadership Group, Pittsburg, Penn. There’s still time to register for the conference scheduled for Oct. 4-6 at The Ritz-Carlton Lodge, Reynolds Plantation, Lake Oconee.   With questions or to register, please contact GBA’s Susie McGehee at 404.420.2010.

 
Great Sessions on Tap at Bank Counsel Conference – Oct. 4-6
An economic update, the growing role of the bank director and exposure and D&O issues are a few of the many highlights of this year’s annual Bank Counsel Conference Oct. 4-6 at The Ritz-Carlton Lodge, Reynolds Plantation, Lake Oconee. Senior officials from financial institution regulatory agencies will also be on hand to provide guidance on what to expect during the 2010 exams.    Held in conjunction with GBA’s President/CEO Conference, this event will also provide CLE Credits for those attending. With questions or to register, please contact GBA’s Susie McGehee at 404.420.2010.
Attention Bank Marketers: Conference is Just Over a Month Away, Register Today
The theme of this year’s marketing conference is “MARKETING EVOLUTION: WHAT’S NEXT?” With the dramatic changes in the financial services industry affecting our evolution, there's no better time to have an enlightened glimpse of what’s next for us all.   Join your peers at this year’s Marketing Conference, scheduled for Oct. 27-28 at the Cobb Galleria Centre in Atlanta. For more information about the conference or to register, please contact GBA’s Marybeth Jones at 404.420.2032.
Southern Operations & Technology School Accepting Applications for 2009 Session
Bank operations are central to the business of commercial banking. Commercial bank operations and technology specialists need broad-based as well as in-depth knowledge, and both can be gained by attending the Southern Operations & Technology School. The 2009 session is scheduled for Nov. 1-6 at the University of Georgia Center for Continuing Education in Athens. The curriculum for the two-year school will 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. They also build a strong network of peers to call on for ideas, advice and best practices going forward. For more details or to register, call GBA’s Marybeth Jones at 404.420.2032.
Register for the Introduction to Consumer Lending Seminar – Oct. 14

This program is an introduction and a practical approach to consumer lending. It is designed to help participants understand the credit process, improve the quality of credit decisions and increase their confidence. GBA’s Introduction to Consumer Lending seminar  will be Oct. 14 at Idle Hour Country Club in Macon.

  The seminar will be led by Peter Faser with Sterne, Agee, & Leach in Atlanta. With questions or to register, please contact GBA’s Courtenay Pope at 404.420.2015.
Change of Date for Bank Security Seminar – Now on Nov. 10
There's a new date of Nov. 10 for GBA’s Bank Security seminar at Idle Hour Country Club in Macon. This one-day seminar is a part of the GBA’s Bank Security Academy. Many topics are covered including bank robbery, robbery trends, robbery response before, during and after the bank robbery and the Employee Assistance Program, physical security, alarms & cameras, vaults & safes, card access, biometrics, bandit barriers & dye packs, and ATMs (lighting & landscaping).   Facility risk assessment will also be covered, as well as employee safety, developing a workplace non-violence program, identifying threats and dealing with problem employees and customers plus much more. The seminar will be led by Charles Williams with Marketing Advertising Consulting Services. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
Loan Documentation & Advanced Loan Documentation Seminars Rescheduled – 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 Nov. 9. The Loan Documentation Seminar is designed for loan officers, loan administrators and credit administrators at every level. The seminar will cover how to document the condition of the collateral, the condition of the title and the condition of the borrowers and guarantors. Thompson Kurrie Jr. and Harrison Coleman, partners with Coleman Talley, LLP in Atlanta are the instructors.

  The seminar is 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. Advanced Loan Documentation is a follow-up course designed for commercial loan officers, commercial loan personnel, loan assistants and closing specialists. The instructor is by Mike Allen, President and CEO of Georgia Trust Bank in Buford. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.

Bank Trainers, Don’t Miss GBA-U’s Bank Trainer Peer Group Meeting 

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 on 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.

Commercial Lending, Accounting, Law & Banking, Principles Highlight Upcoming AIB Courses

Here are the instructor-led AIB online classes offered the week of Oct 19. These courses are instructor-facilitated with weekly assignments, and can be taken from your home or your office. All you need is a computer, printer and Internet access. (Classes with an asterisk * require Microsoft Excel Software.) Please register two weeks in advance to secure a seat in the class.   There is still availability in the following AIB Online classes beginning Oct 13. 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.
September Webinars – Register Today
Just a reminder that GBA will offer the following webinars the week of September 28:   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.
Increase Profits with Existing Loan Portfolios, Increase Capital for Clients
In the current banking climate and economy, two realities exist. First, banks are attempting to diversify away from real estate. Second, capital is constrained for small- and mid-cap businesses. FTRANS has developed a program that addresses these needs of banks and their business customers. For banks, FTRANS has created a program that enables banks to immediately increase their profit within existing commercial and business loan portfolios, achieve ongoing profit improvement and establish a sustainable program for increased lending to small to medium-sized businesses. This is achieved by providing banks with enhanced portfolio visibility and stability through real-time collateral monitoring as well as reduced collateral risk with credit protection.   For the bank’s clients, FTRANS provides a program that supports commercial lending to small and mid-cap businesses. FTRANS outsources the bank’s clients’ accounts receivable in order to make this transparent and lendable collateral for the bank. The bank’s clients find significant benefit in more capital availability and a faster cash cycle at cost-effective rates. For more information please contact FTRANS’ Jim Lester at 678.268.4039 or GBA’s Levi Crabtree at 404.420.2022.
Take Advantage of Top-Notch Compensation and Benefits Consulting
As we reported earlier in this issue, bank compensation is a big issue right now. If you’re looking to examine your compensation policies, consider touching base with the Holmes-Shaw Agency, a GBA Strategic Partner. Holmes Shaw has entered into a partnership with Comprehensive Corporate Strategies (CCS) to provide a full array of employee benefit solutions that have proven highly effective at attracting and retaining the best employees and executives. More importantly, Holmes-Shaw/CCS offers banks attractive financing strategies to reduce the cost impact of executive benefit programs.   Holmes-Shaw/CCS can provide Executive & Director Benefit Plans, BOLI Financing Strategies & Annual Reviews, BOLI Audit Services, Analysis of Existing Supplemental Benefit Plans and Independent Regulatory Compliance & Administration. Holmes-Shaw/CCS also specializes designing and implementing of executive retention programs. The innovative programs from this GBA Strategic Partner allow banks to develop attractive compensation incentives keyed specifically to long term performance. For more information, please contact Holmes-Shaw/CCS’s Steve Roy at 770.645.2022 or GBA’s Levi Crabtree at 404.420.2022.
Find a Job, Post a Job with GBA Job Bank
The Georgia Bankers Association offers free job posting resources for our member banks. These listings can be viewed online or through our bi-weekly publication included in the GBA Bulletin.   Resume postings are also available. For more information, please call Kenyetta Parks at 404.420.2035.
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
 		    

Financial Marketing Award Winners Announced
 The best bank advertising and marketing campaigns from across the United States were recognized in San Antonio, Texas, at the American Bankers Association’s 2009 Financial Marketing Awards ceremony. There were a couple of GBA connections of note. Congratulations to Bank of North Georgia, Alpharetta, Kessel Stelling, CEO, which was runner-up in the Financial Education category for banks over $5 billion in assets. Also, GBA Strategic Partner Financial Marketing Solutions (FMS), Franklin, TN, Tim Pannell, CEO, earned first-place awards in the Impact category for work done for a couple of their bank clients. Way to go!

  

Calendar of Events
Details for September & October

 

Conferences

 
Oct. 4-6 Bank Counsel Conference Greensboro
Oct. 4-6 President/CEO Conference Greensboro
Oct. 27-28 Marketing Conference Atlanta
Dec. 3-4 Credit Conference Atlanta
Jan. 20-21 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

 
Sept. 25 OFAC Policies: What should we say? How should we say it? Webinar
Sept. 29 Bank Secrecy Act Staff Training Webinar
Sept. 29 Vendor Due Diligence and Risk Management - Increased Regulatory Expectations Webinar
Oct. 1 Differentiate Through Service Webinar
Oct. 1 Opening New Accounts II Webinar
Oct. 2 Loan Pricing for Difficult Times Webinar
Oct. 6 Power of Attorney & Living Trust Documents Webinar
Oct. 6 Consumer Lending Requirements in a New Compliance Age – Making Sure You’re Set Webinar
Oct. 8 Accounting for the Allowance of Loan & Lease Losses (ALLL) Webinar
Oct. 8 Call Report for Banks - Highlights & Pitfalls Webinar
Oct. 9 A New Day in Washington: Sweeping Changes for Employers Webinar
Oct. 14 Introduction to Consumer Lending Macon
Oct. 14 Lending Basics for Support Personnel Webinar
Oct. 15 IRA Audit and Compliance Webinar
Oct. 15 RESPA, Part 1- Implementing the New Rules: Overview 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. 22 Advanced Loan Documentation Macon
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. 29 Basic Lending Issues: Perfection to Collection Webinar
Nov. 4 Analyzing Personal Financial Statements Macon
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. 12 RESPA, Part 2: Understanding & Completing the New Good Faith Estimate Webinar
Nov. 17 Advanced Consumer Lending 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. 10 Collections and Recoveries Macon
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: Effective 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  
Oct. 6 GBA Board of Directors Greensboro
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
 
www.gabankers.com		  

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

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