April 27, 2018        

GBA Member D.C. Visit
Open Minds at Regulators, Push is on for Regulatory Relief Action by House
The regulatory and legislative environment for banks these days are particularly promising based on what we learned and observed on our annual member visit to Washington, D.C., this week. Members of the GBA Board, Public Affairs Committee, GBA BankPac Board and Leadership GBA Executive Committee attended the meetings and events with policymakers. The main legislative focus was for us to strongly urge our U.S. House delegation to take up and vote in favor of the bipartisan regulatory relief package (S. 2155) recently passed by the U.S. Senate. We also had productive meetings with Sens. Johnny Isakson and David Perdue, as well as Reps. Drew Ferguson, Austin Scott, Rick Allen, Rob Woodall, David Scott and Barry Loudermilk. Our members were also encouraged by the more open tone from regulators. Click here for comprehensive details from this week’s visit to Washington…
Perdue Sends Special Message to Georgia Bankers
Sen. David Perdue took a couple of extra minutes after our meeting to video a special message to member bankers. He encourages all of our members to contact their local House member to support the Senate-passed regulatory relief bill. To see the video, please click the photo at right. Several of our bankers also taped short video segments for the senator’s use about how the bill will help their communities and banks. Click here to see more…
Georgia Bankers Nationally Recognized as Emerging Leaders
Our D.C. visit coincided with the annual ABA Government Relations Summit. The meeting featured a number of top policymakers, regulators and newsmakers. Three member bankers participated in the national Emerging Leaders programming as part of the summit. Candice Nanney, chief risk officer, The Piedmont Bank, Norcross, Wade Johnson, chief lending officer, Durden Banking Company, Swainsboro, and Kesha Love, senior incentives and compensation manager, Synovus Bank, Duluth, attended special sessions with their peers from around the country. “The American Bankers Association Government Relations Summit far exceeded my expectations. I thoroughly enjoyed meeting with our senators, congressmen and other bankers from across the country to assist in getting Senate bill 2155 across the goal line,” Nanney said.
Mulvaney Comments Taken Out of Context, Other Summit News
A highlight of the ABA Summit was remarks by Mick Mulvaney, acting director of the Bureau of Consumer Financial Protection. He gave a forceful, straightforward and even humorous account of how he's focused on making sure the agency strictly follows what it's supposed to do by law. Some news reports from the speech seized on the comments about lobbyists and campaign contributions and completely left out or significantly downplayed the context of Mulvaney’s remarks. Read more here…
We Are Going to Miss Pait Willis
Our sympathies to South Georgia Banking Company president and GBA director Glenn Willis, and to the family, friends and co-workers of Willis' father, Pait Willis, who recently passed away. Willis was bank chairman and CEO at the time of his death. Willis is a past GBA director (2007-2009) and served more than 20 years on the GBA BankPAC board of directors. "Pait was directly engaged with GBA his entire career. He made sure his southwest Georgia group was always the top fundraiser for our PAC and he allowed people at all levels in the bank to serve on GBA Committees and attend our events. He was a staunch advocate for our industry and leaves a legacy for all to follow. He truly loved banking," said GBA president and CEO Joe Brannen.
Last call!
The Information Security Officer (ISO) Seminar - May 1

Current and prospective ISOs, network administrators and compliance officers can still register to learn about the regulatory requirements and internal responsibilities of an ISO at GBA's Information Security Officer seminar May 1 at Idle Hour Country Club in Macon. Tom Hinkel of Safe Systems will address regulatory expectations as well as reporting to the board of directors, coordinating with network administrators, leading the IT Steering Committee, interfacing with auditors and examiners and more. Participants will receive helpful checklists and whitepapers as well as Certificates of Completion. Registration is $250 per person. Click here to register online. Please contact GBA's Katina Prokos, 404.420.2021 with questions.
2018 Compensation and Benefits Survey Ready for Participation
We encourage members to take part in our 2018 GBA Compensation Survey, featuring salary, bonus/incentive, salary trends, retirement benefits and director compensation information. The survey is now open for data collection. This is the most comprehensive Georgia-focused survey available. It will survey for 170 community bank jobs, will include asset-size and location breakouts, access to a free webinar and custom reporting. The survey report will be available around Sept. 1 for budgeting season. When the survey is complete, banks can also order neighboring state and county reports. We welcome back our partner, Matthews Young – Management Consulting (MYMC), an expert in salary and benefits survey administration with over 47 years of community banking compensation expertise. The 2018 GBA Compensation Survey has three parts…
South Georgia Community Bank Symposium - May 16
Legal Update for South Georgia Bankers
Join attorneys Jonathan Hightower and Ken Achenbach of Bryan Cave Leighton Paisner, LLP, for a discussion of the most significant changes in the legal and regulatory landscape for Georgia banks at GBA's next South Georgia Community Bank Symposium on May 16 at Valdosta State University. They will go over new opportunities created by changes in tax law, increased scrutiny of new products, the changes to the banking code through the recently-passed Department of Banking and Finance Housekeeping bill and more. Presented in partnership with the Langdale College of Business, this annual event features expert speakers who will focus on the challenging issues facing today's banking industry. In addition to the legal update, attendees will also hear sessions on the economic outlook for 2018-2019, real estate market trends and a legislative update from the Georgia Banking Commissioner. Registration is $159 per person. Click here to register. With questions, please contact GBA's Katina Prokos at 404.420.2021or Susie McGehee at 404.420.2010.
Meet New Strategic Partner BankMarketingCenter.com
The GBA, through our subsidiary Georgia Bankers Association Services Inc. (GBASI), is proud to announce the endorsement of Georgia-based BankMarketingCenter.com (BMC), a web-based marketing portal that empowers banks to produce professionally designed, bank-branded marketing materials in a matter of seconds. Think about the amount you would pay for just one professionally designed ad or for a quality stock photo. Now, imagine spending an equivalent amount or less and having access to thousands of professionally designed marketing materials, as well as over 9 million stock photos from Getty Images. Once your marketing piece has been created, BMC’s technology will route it through your bank’s compliance approval process and then automatically send it to the printer or publisher of your choice. Your creation will be saved in the order history, which is very helpful for when the regulators come to town. More BMC features are covered here...
More Resources for Bank Advocacy
We delivered a fresh copy of our Georgia Banking Update to members of Congress this week, and we urge you to continue to make use of that as you talk about the industry with your clients and in your communities. There’s a good new tool available to supplement that at the national level. A new website from ABA featuring an interactive map that allows bankers and policymakers to view the banking industry’s impact in each state and nationwide, including the jobs banks provide, customers served, loans made and bank volunteer hours contributed. Click here to check it out…
Annual Meeting Breakout Session Spotlight
Succession Planning Skull Session among Breakout Meetings

One reason banks consider selling is a lack of an effective succession plan. In one Annual Meeting breakout session, Jim McAlpin and Jonathan Hightower, partners with Bryan Cave Leighton Paisner, LLP, will share their experiences, observations and a few cautionary tales about succession planning and recruiting for boards and executive management. There will also be conversations about the skill sets banks should focus on as leadership transitions, and some best practices for retaining key talent. Banks with the right leadership in place will have more staying power, but the planning and preparation must start now--register online today.
Analyst to Share Cotton Outlook/Strategy at GBA Rural Development and Lending Conference
Ashley Arrington of Queensborough National Bank & Trust Company will be a featured speaker at GBA's upcoming Rural Development and Lending Conference, May 21-22 at The King and Prince Hotel on St. Simons. In her session, “Cotton Outlook and Strategy,” she'll discuss what is moving today's cotton market and explore best practices when discussing strategic marketing with clients. Arrington observes, “while lenders can't market for their clients, lenders can be sure they and their clients are educated on the market.” Don't miss this opportunity to gain timely knowledge from this experienced ag banker. The early registration fee is $350 per person through May 7. Click here to access the brochure, register online, and to see hotel reservation information.
Avoid these Four Common Retirement Plan Sponsor Mistakes
Managing a 401(k) plan is a complex business. There are many intricacies involved in a retirement plan that require expertise knowledge in the field. GBA Retirement Services wants you to know that there are some common mistakes plan sponsors often make that they aren't even aware of…
Compliance Peer Group Meeting - June 6
Join us on June 6 at Idle Hour Country Club in Macon for the next GBA Compliance Peer Group Meeting. Attendees will hear a session on the Military Lending Act (MLA) and other areas seeing issues or increased scrutiny from regulators. There will be time after lunch for peer exchange. The price for this event is $125, and CRCM credits will be applied for. Thanks to GBA's Compliance Committee for planning the program. Jan Elrod, First Landmark Bank, Marietta, is the committee chair. Click here to register. With questions, please contact GBA's Katina Prokos at 404.420.2021.
Don't Miss GBA's Annual Leadership Conference
GBA's 2018 Leadership Conference is set for July 16-19 at the Ponte Vedra Inn & Club, Ponte Vedra, FL. During this event, you'll get an economic update along with a legislative and industry update. You'll hear about the opportunities for the next generation of bankers, what every CFO wants a lender to know and security and safety from a banker's perspective. We'll close this year's conference with timely leadership training from The Ritz-Carlton Leadership Training Center. Plus, there will be several opportunities to network with your colleagues from around Georgia. Rooms are selling out quickly, so if you have not already done so, make your reservations by calling the Ponte Vedra Inn & Club directly at 904.285.1111 or 800.234.7842. Check out the conference brochure and register online today!
Online Classes - May and June
Bank Performance, Marketing, and Trust

ABA facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. These seven courses are scheduled to begin in May...
Legacy Lodge
Women in Banking Conference Scheduled Aug. 22-24
Mark your calendar to attend GBA's annual Women in Banking Conference on Aug. 22-24, at The Legacy Lodge, Lake Lanier. The committee has planned an agenda and networking time that will be valuable to ALL women in the banking industry. Brochures will be mailed in the coming weeks but you can register now. GBA has reserved a block of rooms at the Legacy Lodge at the nightly rate of $169. To reserve a room, please call the hotel at 770.945.8787. Be sure to mention that you are with the Georgia Bankers Association to get the special group rate. The cut-off date for reservations is July 25, but rooms in the GBA block may sell out before that date. So make your reservations soon. After this date, all reservations will be subject to prevailing rate and space availability. With questions about the conference, contact GBA's Kathy Friestad at 404.420.2024.
Ideas for Funding Benefit Programs that Retain Employees
Learn the Advantages of Bank Owned Life Insurance (BOLI) Programs from EBS
For six years now Executive Benefit Specialists, LLC (EBS) has been our endorsed Strategic Partner specializing in the placement and service of Bank Owned Life Insurance (BOLI) programs. These programs use BOLI to finance existing employee benefits, as well as to informally fund new or existing nonqualified executive benefit plans. EBS offers implementation and plan design services as well as administrative services. If you have BOLI now and need or want to consider a new service provider, EBS can assist you with compliance and reports essential for your bank, board and regulators. Click here to learn more about EBS...
Complacency is Comfortable but Results Can be Costly
By Jim Griffis, Regional Director
John M. Floyd & Associates

There are myriad reasons why organizations fall behind when it comes to updating their products or improving existing services. Regulatory uncertainty, budgetary constraints, insufficient staffing, technology concerns, outdated business philosophies and a fear of the unknown are reasons I often hear from bank leaders who aren't satisfied with their existing performance, but who are hesitant to revisit their overdraft program strategy to increase revenue and improve customer service. But maintaining the status quo in an increasingly competitive industry can have far-reaching consequences. Click here for a few specific examples of the cost of complacency when it comes to your overdraft strategy...
Fill a Job, Find a Job with the GBA Job Bank
The GBA Job Bank is among the most popular and valuable benefits we provide to member banks and bankers. The Positions Available and Bankers Available sections on our website consistently are among the most visited pages. Best of all, the service costs nothing for member banks and bankers. To make the process of posting a job or resume easier and to answer any questions you may have, we've developed this Q & A document as a resource. It outlines how to submit open positions and resumes, our deadlines and timelines for posting, and other helpful details. If you have any questions, please contact GBA's Bo Brannen at 404.420.2014.
GBA Community Connections
We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Read all about the Community Connections our banks and members have below. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Bo Brannen and David Oliver, or if your company would like to sponsor this content, let us know. Here's our latest installment...
FNB Decatur County
First Port City Bank
Planters First Bank
Liberty First Bank
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 David Oliver and Bogan Brannen.