~In Memory of Donald T. Browne~
1/16/1934--4/5/2018

April 6, 2018        

Don Browne
We Will Miss Don Browne, Former GBA Insurance Trust and GBA Leader
It’s with heavy hearts here at GBA and GBA Insurance Trust that we report the death of Don Browne Thursday. Don served as president and CEO of GBA Insurance Trust from 1992 to 1999 and was GBA’s Government Relations consultant for state issues until 2011. “Don was one of the rare people who could have a truly profound effect on someone. His wisdom and knowledge, paired with a kind, caring and humorous heart changed all who met him. Not a day goes by that I'm not reminded how he affected, and continues to affect, my life,” said Dan Thomason, GBA Insurance Trust president and CEO. "Don was a mentor to us all during his years at GBA. His sound advice and outstanding wit will be remembered for years to come, and we will miss him immensely," said Elizabeth Chandler, SVP-Government Relations. Visitation is Sunday from 5-7 p.m. at H.M. Patterson & Son-Arlington Chapel, 173 Allen Road NE, Sandy Springs, GA 30328. The funeral will be Monday at 10:30 a.m. at St. Jude The Apostle Catholic Church, 7171 Glenridge Drive, Atlanta, GA 30328.
Note: Corrected visitation location from previous email.
Chime In on Key Federal Issues for D.C. Visit
GBA’s annual member advocacy visit to Washington, D.C., to meet with members of Congress and regulators is coming up April 23-25. We’ll be making visits to members of the Georgia congressional delegation as well as to the FDIC and OCC. As we prepare for our trip, we’d like your feedback and input. Please send specific policy issues on your mind and anecdotes of how policy is affecting your customers and your bank by email to Joe Brannen and Elizabeth Chandler. "Our board meets next week and one of the things on our agenda will be to cover the priority discussion items for our representatives and senators. Please chime in because this is one of our most influential advocacy events at the national level each year," said GBA Chairman Palmer Proctor. Our group will also be taking part in the annual ABA Government Relations Summit that will cover national priorities for the industry and will feature Comptroller of the Currency Joseph Otting, Rep. Blaine Lutkemeyer (R-MO) of the House Financial Services Committee, Rep. Kevin McCarthy (R-CA), House majority leader, and Fox News commentator Bret Baier.
Advocacy Win
Court Trims Credit Union Field of Membership Rule

Late last week a U.S. District Court Judge invalidated two portions of a 2016 NCUA rule that would have significantly expanded federal credit unions’ field of membership eligibility. The parts of the rule that were struck down were the inclusion of Combined Statistical Areas with fewer than 2.5 million people, and the dramatic expansion of a "rural area" to include areas with up to 1 million people -- which in some cases could encompass entire states. Judge Dabney Friedrich noted that NCUA’s actions in these areas "are manifestly contrary to the [Federal Credit Union] Act." GBA and others had advocated against the field of membership expansion in a friend of the court brief. Read more here...
April is Prime Teaching Time for Financial Literacy
We encourage all GBA member banks and bankers to spend some time on a financial literacy project this month. It is national Financial Literacy Month, after all. An easy way for you and your bank to get involved is through the Teach Children To Save program. There’s no cost for the materials or participation. Here’s the quick list of key things to know:
  • TCTS Day this year is Friday, April 20, but you can do the program any time
  • Bankers can register to participate at any time, but the sooner the better
  • All materials, graphics, social media posts and other program references are available at aba.com/Teach
  • Get on the list of Georgia banks participating!
GBA’s full lineup of financial literacy resources is available from our website under the home page’s Member Center dropdown menu.
The Tradition Continues
50-Year Bankers to be Recognized at Annual Meeting
One of our favorite parts of the GBA Annual Meeting each year is when we have the honor of recognizing Georgia bankers who have devoted 50 years or more of service to the industry. We already have one of the biggest groups ever lined up to be honored at the 2018 Annual Meeting scheduled for June 17-20 at The Ritz-Carlton, Half Moon Bay, CA. If you know or are someone who is hitting the milestone this year, please let us know! To help us properly recognize these fine folks, please send an email to GBA’s Susie McGehee with the following information…
CRA Modernization Pitched by Treasury
Regulators have been working this year on ideas for updating the 40-year-old Community Reinvestment Act. Recognizing changes in technology and banking law since the Act’s inception in 1977, Treasury recommended that regulatory agencies provide greater flexibility when determining CRA assessment areas, expand the range of products that are eligible to receive CRA credit and consider alternative delivery channels when conducting CRA evaluations, among other things. Learn more here…
Mapping of Compliance Programs Underway
GBA’s Compliance Committee met Thursday in Macon to begin planning its fall conference and map out other priority topics for GBA’s compliance-related programming in the coming year. Led by committee chair Janna Elrod, First Landmark Bank, Marietta, and vice chair Sterling Williams, Brand Bank, Lawrenceville, the 16-person committee provides guidance for all our compliance programming. Look for details about the conference soon. The conference will be Sept. 12-14 at the Crowne Plaza in Peachtree City.
GBA 125 Facts
What’s My GBA Group?

Back in 1892 when GBA was founded, bankers wanted to ensure that the association’s governance structure allowed for adequate representation from all parts of the state. The founders and leadership over time developed a group governance structure based on 10 geographic regions within the state, each group comprised of counties within a particular area. Each group has one representative on the GBA Board of Directors, and we attempt to have at least one representative from each group on each standing committee. Click here for two easy ways to determine your bank’s GBA Group number…
Cash Flow Analysis Seminar - April 17
If you’re a lender new to banking operating companies or just needing a refresher on Cash Flow Analysis, attend GBA’s seminar April 17 at Idle Hour Country Club in Macon. Designed to help participants craft a statement of cash flows, improve the quality of credit decisions and increase the understanding of how a potential borrower will repay your loan.  Register by April 9 for the early-bird price of $225 per person. It is suggested, but not required, that participants have a basic understanding of accounting. Click here to register online...
New Account Documentation and Compliance - April 18
The Vital Pieces of Information for Every Type of New Account

Learn important new account opening procedures and compliance requirements for every type of new account from expert speaker Suzie Jones of Training Resources Consulting, LLC, at GBA’s New Account Documentation & Compliance seminar April 18 at Idle Hour Country Club in Macon. Jones will cover…
Wire Transfer Fraud Webinar - April 27, 11 a.m.
Identify gaps in your bank’s wire transfer program before a fraudulent attack occurs by attending GBA’s Wire Transfer Fraud - Moving from Reactionary to Preventative webinar April 27 at 11 a.m. Our presenter will provide a deep dive into a vulnerable wire program, ranging from how wire transfer instructions are received to how the wire transfer is funded and originated. This webinar will also expose blind spots financial institutions may have missed in their wire transfer fraud prevention program. Click here to register online
American Mortgage Conference is April 30-May 2
GBA is a co-sponsor this year of the American Mortgage Conference (AMC) April 30-May 2 at the Pinehurst Resort in North Carolina. Click here for conference and hotel booking details. If you have questions about conference registration, please contact Blaine Wiles at blaine@ncbankers.org.
The Information Security Officer (ISO) Seminar - May 1
Regulatory Requirements and Internal Responsibilities of an ISO

Current and prospective ISOs, network administrators and compliance officers can all learn more about the role of an ISO at GBA’s Information Security Officer seminar May 1 at Idle Hour Country Club in Macon. In addition to regulatory expectations, Tom Hinkel of Safe Systems will cover the following internal roles and responsibilities…
Marketing Peer Group Heads to Campus
Our May 9 Marketing Peer Group Meeting will be in Athens at the UGA Center for Continuing Education. In addition to peer-peer ideas and networking, you’ll get to sit in on a session with Georgia Banking School students about consumer behaviors. Sign up today!
South Georgia Community Bank Symposium - May 16
Fireside Chat with the Banking Commissioner at Valdosta Symposium

Come eavesdrop on a conversation between Georgia Banking Commissioner Kevin Hagler and GBA president and CEO Joe Brannen during the next South Georgia Community Bank Symposium on May 16 at Valdosta State University. They will discuss the latest state and federal issues affecting the banking industry as well as the results of the 2018 legislative session. Presented in partnership with the Langdale College of Business at Valdosta State University, this annual event will also feature sessions on the economy, real estate market trends and much more. Registration is $159 per person. Click here to register
Southern Farm Banks Posted Good 2017
Our region’s banks that have a concentration in farm-related loans had a good year in 2017. Overall farm loans at the 192 farm banks in the South were up by 7.9, with farmland loans up 8.9 percent and ag production loans up by 5.6 percent. Capital for this group of banks was strong overall, and as a group they were profitable. Employment at these institutions reached 12,000 people, up by 2 percent. The ABA compiled these results as part of its Farm Bank Performance Report out this week, defining farm banks as those whose ratio of domestic farm loans to total domestic loans greater than or equal to the industry average, which was 15.92 percent in 2017. Nationally, farm banks increased agricultural lending by nearly 6 percent, or $5.9 billion, to $106 billion in 2017.
Related...
Rural Development and Lending Conference - May 21-22
If your bank is involved in agribusiness, be sure your lender or someone from your executive team is registered to attend the 2018 Rural Development and Lending Conference, May 21-22 at The King and Prince Hotel on St. Simons. The sessions are intentionally designed to appeal to bankers both new to ag lending and to ag veterans. Click here to access the brochure, register online, or to see hotel reservation information.
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 Thumbprint Signature Program
The GBA Thumbprint Signature Program provides banks across the state with a simple, effective and inexpensive method for preventing and deterring check fraud. For more information on how you can become a participating member of the Thumbprint Signature Program please contact Bo Brannen, 404.420.2014.
Tips To Optimize Consumer, Business Check Programs
Which techniques are working for your bank to optimize the profitability of its consumer and business check programs? Many banks are finding success by building online capabilities into account offerings, allowing customers to pay bills, deposit and transfer funds, and monitor balances all without ever having to touch a single piece of paper. Remember, it pays to pursue every route when optimizing check program profitability Here are some tips from Deluxe, a GBA Strategic Partner, to implement at your financial institution…
First Landmark Bank
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...
Mann
Watson
Hussey
Brown
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.

Attention Attorneys!
Status of Banking Cases
April 2018