February 9, 2018     

GBA Joins Push on FASB Proposal Related to Tax Reform
The Financial Standards Accounting Board Wednesday approved a measure to adjust regulatory capital balances affected by the tax reform package passed in late 2017. We signed on this week with all the other state bankers associations in support of the proposal. Read the letter here. Banks will be able to use the final standard to 2017 reporting results. The issues addressed are related to how deferred tax assets are recorded, with the previous method distorting how net income and regulatory capital are reported and creating significant operational burden for banks to track the amounts going forward. While the new standard will not change the impact to net income, the proposed adjustment between AOCI and retained earnings will allow ending regulatory capital to be appropriately stated and also avoid onerous operational requirements to keep track of the amounts that would have been “stranded” within AOCI. Details of the new standard will be released in the coming days. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
Congratulations ABA Graduate!
Congratulations to Mallory Guyton of Citizens Bank and Trust, Eastman, who recently earned her ABA Consumer Banking Diploma. The commitment to earn one takes a lot of dedication and perseverance. Way to go, Mallory! Learn more about all the ABA Certificates and Diplomas in our article below. Please contact GBA's Alison Moreau with questions, 404.420.2034.
Deadline Is Today!
Save on Tuition for Georgia Banking School and GBA Basic Compliance School

Be sure to enroll your bank or company's rising star by the end of the day, Friday, Feb. 9, to save on tuition for the 2018 session of Georgia Banking School or GBA Basic Compliance School. Associate member employees are encouraged to attend, too. This is a surefire investment for your banker and your bank. Graduates from both schools consistently rank their school experience as a highlight in their professional and personal life. GBA schools offer a truly unique learning experience that lasts long after the classroom time has ended. Schools will run concurrently May 6-11 at the UGA Center for Continuing Education & Hotel in Athens. For more information on Banking School, click here; for Compliance School, click here. If you have questions about either school, the curriculum, or logistics, feel free to reach out to GBA's Kathy Friestad, 404.420.2024, or Alison Moreau, 404.420.2034.
Georgian with Banking Ties to Compete in Winter Olympics
Anyone who's followed the Winter Olympics recently could not have missed the good news story about Elana Meyers Taylor and her bobsled career. Meyers Taylor is the daughter of Eddie Meyers, Georgia president of PNC Bank, who was an athlete at the U.S. Naval Academy and with the Atlanta Falcons. Meyers Taylor grew up in Douglasville and came to be known as one of the most genuinely nicest people anyone would ever meet. And she carries that attribute onto the bobsled course while remaining super competitive. There was a cool focus piece on her in USA Today this week, and we thought you'd like to read it, so click here to see why this Georgian is expected to be on the medal stand in Pyeongchang.
Comprehensive Data Privacy and Security Legal Guide Available
There are more than 200 laws in the United States alone that have data privacy and security implications, and bank legal teams need to stay informed about them on a variety of fronts. There's a soup-to-nuts summary handbook for in-house counsel and others interested available from GBA Associate Member Bryan Cave. There's no cost for the resource, and last year more than 6,000 attorneys downloaded the guide. Access a link here…
The Ritz-Carlton
Half Moon Bay
GBA's 2018 Annual Meeting - June 17-20
Premier Location in California to Host Premier Industry Intel Event

Network and learn the latest key industry trends with your fellow bankers at GBA's 2018 Annual Meeting, June 17-20 at The Ritz-Carlton, Half Moon Bay, CA. The program committee met this week to start firming up the agenda and topics for the educational sessions. It's still a bit too soon to provide specifics, but we'll hit on all the most pressing trends including the economy, secrets for successful bank performance and a host of technology and business development ideas. We'll also recognize members, elect officers and have plenty of time for attendees to forge strong personal and business relationships. For Associate Members, exhibit information and sponsorship opportunities are also now available…
Basics of Debit Card Disputes Webinar - Feb. 23
Debit card disputes have become an integral part of a financial institution's requirements to comply with Regulation E. What questions do you ask a consumer? What is appropriate to ask and not to ask? When do you start your investigation, close the investigation and what are your responsibilities regarding timing of notification? On Feb. 23 at 2:30 p.m., the Basics of Debit Card Disputes - From Notification of the Consumer to Closing the Investigation webinar will take you through all the issues you may face with a consumer debit card dispute and how to effectively take care of your consumer while balancing Regulation E requirements. Click here to learn more and register today…
Operations and Technology Conference, March 6-8
Peer Panel to Define How to Handle Tricky Tech and Communications Problems

At GBA's 2018 Operations and Technology Conference, March 6-8 at the Atlanta Marriott Northwest, a panel discussion about technology and communications best practices will give attendees the opportunity to hear what other banks are doing to solve some of same problems you are likely dealing with or may have to face in the not so distant future. With panelists from three different sized institutions sharing their perspectives, you are sure to find an approach that is relatable to your bank. Matt Shugart, Fiserv, will facilitate the conversation, and panelists will be Lonnie Carter, Ameris Bank in Moultire; Jaye Eubanks from United Bank in Zebulon; and Tracy NeSmith from Planters First Bank in Cordele. Register today by clicking here!
Powell Takes Reins at Federal Reserve
A new era began Monday at the Federal Reserve, with Jerome H. Powell taking the oath of office as Chairman of the Board of Governors of the Federal Reserve System. The Senate confirmed him on Jan. 23. Powell's term is for four years. He'll be tested early on as it's widely viewed that interest rates and climbing wages may push up inflation and trigger the Fed to raise rates faster than has been expected. All that talk led to a big market selloff early this week. Interestingly, market selloffs have accompanied the start of the past several Fed chairs' terms, according to a report from CNBC. From a regulatory and enforcement standpoint, Powell has signaled a desire to lessen regulatory burden on community banks. Read Powell's bio here...
Representation Needed in National Advocacy Effort
Georgia banks can help with a national advocacy campaign called America’s Banks. We want to make sure our state is well represented. You can help by submitting compelling customer stories that show what banks and bankers do for their customers (consumer and business) to make their dreams come true and improve their lives. Upload things such as thank-you notes, customer testimonials, video footage, photos and anecdotes. Banks that wish to participate are asked to submit content by Feb. 16 (click on the "Upload via FileDrop" button and type "Amy Wertlieb - America's Banks" in the message box). For more information, or to submit materials separately, contact ABA's Amy Wertlieb at awertlie@aba.com.
Fair Lending for HMDA & Non-HMDA Banks - Feb. 28
How HMDA Data is used in Fair Lending Analysis

GBA's Fair Lending for HMDA & Non-HMDA Banks seminar Feb. 28 at The Brickyard Golf Club in Macon will provide an in-depth look at fair lending, including the process used to conduct "side-by-side loan file analysis," common loan practices with potential fair lending effects and other components of an effective fair lending program during. Register by Feb. 20 for the early-bird price of $225. Click here to register online. Please contact GBA's Katina Prokos at 404.420.2021 with questions.
Loan Documentation Seminar - March 1
The 10 Most Common Loan Documentation Problems and More

GBA-U is hosting its next Loan Documentation seminar March 1 at The Brickyard Golf Club in Macon to help its member banks prevent loan losses through the implementation of proper loan structuring and documentation techniques. Commercial loan officers, commercial loan personnel, loan assistants and closing specialists will all benefit from this seminar. Our presenter will cover the following…
Advanced Deposit and Operations Compliance - March 13
Compliance officers, deposit operations managers and compliance auditors should attend GBA's new Advanced Deposit and Operations Compliance seminar March 13 at Middle Georgia State University in Macon. In easy-to-understand language, Steve Moore, Bank Compliance Services, will cover more advanced deposit compliance rules that impact bank operation services. Moore will go over the following…
Create a Winning Team at Your Bank - Learn How at GBA's HR Professionals Institute
Teams form the backbone of organizations, so why do some teams sink and others soar? The key, says Lane Henderson, owner of Jumpstart Teams, lies in effective communication and understanding an individual's personality strengths, challenges and contributions to the team. Henderson will be a featured speaker at the 2018 GBA HR Professionals Institute, coming up March 21-23 at the Westin Hotel on Jekyll Island. Any banker involved in human resources at their bank is encouraged to attend. The registration fee includes your own personal PEP profile. Click here to see the detailed agenda, register online, or to reserve your hotel room.
SafeCatch Robbery Deterrent Program Creator to Speak at Bank Security Conference
Back in 2006, bank robberies in the Seattle area spiked, leading FBI agent Larry Carr to come up with an innovative way to help bank employees safely suppress robbers. Carr will share his story and the SafeCatch system with us during GBA's Bank Security Conference April 12-13 at The King and Prince Hotel on St. Simons. Special Agent Carr has trained staff at more than 250 bank branches across the country. Don't miss this special opportunity to learn how your bank team can mitigate robbery risk, along with all the other outstanding sessions during the conference. Anyone at the bank responsible for security should come to the conference. Click here to get all the details, register online, or to reserve your hotel room.
Unique Setting for Marketing Peer Group Meeting - May 9
GBA member bank and Associate Member marketing officers and any banker with marketing responsibilities shouldn't wait to register for GBA's next Marketing Peer Group meeting May 9 on campus at the University of Georgia in Athens. Classroom space is limited for the day-long session alongside the students at the Georgia Banking School and GBA Basic Compliance School. Click here to register online. With questions, please contact GBA's Alison Moreau at 404.420.2034
Free Webinar - March 12
Is Your Debit Card Brand Program Working For Your Bank?

On March 12, please join Richard Green of Discover Debit to learn more about the review and analysis process of selecting the debit card program for your bank. Letting an existing signature debit network contract simply roll over can seem like the right thing to do, but a closer look might prove otherwise. If it has been a few years since you last signed a contract with your signature network, now is the time to reassess. You are more than likely leaving non-interest income on the table, paying unnecessary fees or dealing with burdensome terms that restrict you from adapting to shifting market trends, including PINless and mobile transactions, the EMV liability shift and changes in the debit card landscape. In Discover’s presentation, you will learn…
Leadership Conference - July 16-19
Georgia’s best and brightest emerging career bank leaders will gather July 16-19 for Leadership GBA’s annual Leadership Conference at the Ponte Vedra Inn & Club, Ponte Vedra, FL. The Leadership GBA Executive Committee has planned a fantastic program that promises to be educational and enjoyable. Exhibit information and sponsorship opportunities are also now available. GBA has reserved a block of rooms at the Ponte Vedra Inn at a reduced rate of $219 to $239 per night. Make reservations by calling the hotel directly at 888.839.9145. Be sure to say you are with the GBA to receive this special rate. The cut-off date for reservations is Friday, June 8. After this date, all reservations will be subject to prevailing rate and space availability. Brochures will be mailed in late March, but you can register online here. With questions, please contact GBA’s Susie McGehee at 404.420.2010.
Did You Know We Offer…Diplomas and Certificates
ABA Diploma and Certificate programs build the skills necessary for career advancement. Through a prescribed course of study, certificates provide practical, tailored knowledge specific to a job role in the bank. Programs are continually reevaluated and refined to meet current needs and changes in the industry.​​​​​​​​​​​​​​​​​ Learn more here…
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...
Renasant Bank
First American Bank & Trust
Van Norman
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