June 29, 2018        

DBF Adopts New Rules
New rules published this week by the Georgia Department of Banking and Finance include provisions covering the use of federal laws to preempt state statutes, general lending issues, sharing confidential supervisory information, supervisory audits and more. See the full rules here, which will be effective July 17. The rules are the result of the General Assembly passing HB 780 that was introduced by Rep. Bruce Williamson (R-Monroe). He and Sen. John Kennedy (R-Macon) ably shepherded the legislation through the process.
Farm Bill Passed by Senate and House; OMB Announces Moves
The U.S. Senate late Thursday afternoon passed its version of the farm bill, and the House passed its version last week. The differences in the bill will have to be worked out in conference committee. Our members following agriculture related issues took note last week that related to the House version that passed, the Office and Management and Budget (OMB) announced several programs were slated to be either enhanced at USDA or moved to other agencies. This was the second attempt by the House to garner enough votes to pass the farm bill, and it squeaked by with a two vote margin. The first attempt drew no Democrat support and most Republicans aligned with the conservative Freedom Caucus voted against the bill, mostly over an immigration bill they felt strongly should be considered first. Although the House voted down the immigration bill, enough members of the Freedom Caucus supported the farm bill so that it could pass. Democrats remained opposed to the bill reportedly because of new work requirements for food stamp recipients. Both versions of the current bill are viewed as overall positive for Georgia’s number-one economic driver, the agriculture sector. Related to agriculture policy, in an email to agency employees, USDA Secretary Sonny Perdue, reported the details of a number of changes ahead for several programs administered by the department if recommendations from OMB move forward. Among the changes with the reasons stated are…
Georgia Congressional Delegation Responds to Frivolous ADA Demands
A group of 103 lawmakers wrote to Attorney General Jeff Sessions last week seeking further clarity on how the Americans with Disabilities Act applies to websites. Our thanks to these nine Members of Congress from Georgia for responding to GBA’s request to sign onto this letter: Reps. Sanford Bishop, Karen Handel, Barry Loudermilk, Buddy Carter, Rob Woodall, Drew Ferguson, Jody Hice, Rick Allen and Doug Collins. With questions, please call GBA’s Elizabeth Chandler at 404.420.2027. Click here for more details...
GBA Member Profile
Hustle, Love and Burmese Roosters with Kelly Herrington

Kelly Herrington is a man on a mission to help his bank be successful. “Through a dedication to the highest standards of ethical behavior, and a lot of hustle, I want to help Morris Bank grow in our thriving, local economy, and to continue to help customers experience a common sense approach to banking,” says Herrington, who is Morris Bank’s Houston County market president. Herrington is also a member of the Leadership GBA Executive Committee. He says he looks to his faith for guidance in his personal and business relationships, and he has an entertaining story to tell about his adventures while jogging. “A neighbor once told me that she was inspired by the sight of me saying a prayer one morning before going for a run,” he says. “I was too embarrassed to tell her that I was just asking to make it through the jog unscathed!” Read about Herrington in this week’s GBA member profile…
Annual Meeting Program a Big Hit
Our keynote programs at the 2018 GBA Annual Meeting covered a lot of ground, with something for everyone. Click here to see all the photos from Annual Meeting on our Facebook page. The breakout sessions were equally diverse and informative. Click here for complete highlights...
A Big Shout Out to Sponsors and Exhibitors at Annual Meeting
We simply could not have an Annual Meeting with such strong content, networking opportunities and premier location without the support of companies who sponsor and exhibit at the event. The companies and their representatives who attend make significant investments to support GBA and the industry. Please share your thanks with them, as well. Please take a look at the list of 2018 Annual Meeting Sponsors here. You can find a list of all our Exhibitors here...
What’s in a name? Everything!
Bankers work hard to build strong reputations in their communities. While much of the bank’s reputation is based on the individual reputation of the bankers themselves, sometimes the very name of the bank says a lot. And when a new entrant comes into a market with a similar name, confusion can follow. We saw that happen last week at our annual meeting. Bryan Cohen, CEO at Quantum National Bank in Suwanee, began hearing from banking colleagues thanking him for sponsoring a breakfast at the event. Turned out, it was a new associate member, Quantum Banking of Jacksonville, FL, that was the sponsor. If the bankers attending our annual meeting were confused, we wanted to make sure none others were, so please be aware that there’s no relationship or connection between Quantum National Bank and Quantum Banking. With questions, contact Joe Brannen, 404.420.2026.
Early Registration Deadline is Saturday for GBA Annual Leadership Conference
If you’re planning to attend this year’s Leadership Conference, be sure to register before Saturday, June 30, when early bird registration pricing ends. The conference, which draws more than 100 young career bankers and their families from around our state, will be July 16-19 at the Ponte Vedra Inn & Club in Ponte Vedra, near Jacksonville, FL. Online registration is quick and convenient – just click here, and GBA will be glad to invoice your bank. This link also provides access to a detailed agenda and hotel information. Contact GBA’s Kathy Friestad with questions, 404.420.2024.
Welcome New GBA Team Members Jenna Lynn Warner and Shan Haugabrook
It’s always fun to introduce new GBA co-workers to our members. Please join us in welcoming Jenna Lynn Warner and Shan Haugabrook to the GBA family. They started work this week with our Education team as Professional Development Coordinators. Click here for a little background on each of them. Look for a more detailed introduction of each of them in the coming weeks as a GBA Profile piece.
GBA Staff, Responsibilities Re-Organized to Meet Member Needs
In addition to our new co-workers, we’ve got a bunch of team members taking on new roles and responsibilities as we’ve made some internal re-alignments all geared toward enhancing member engagement and service. All of our primary member-facing operations that are not related to Government Relations Advocacy or Insurance and Retirement Services are now part of the GBA Member Solutions team. Click here to learn about all the exciting changes...
Comp & Benefits Survey Deadline Extended
You’ve still got time to submit data for the 2018 GBA Compensation and Benefits Survey. We’ve extended the deadline to July 16. Important: You only need to fill in data about jobs at your bank. We survey for a big list of jobs bankers have requested over the years, but realize that not all banks have as many staff members or diverse job titles and descriptions. It’s perfectly OK to focus only on those relevant to your particular institution. Participants save money on the results reports, which are only $150 for banks that provide data for the Salary and Non-Salary components. Access information and passwords have been emailed to CEOs and human resources contacts. Access the survey website here. Please contact Rhonda Snyder of Mathews Young if you did not get it.
Equifax Order Approved by Georgia, Others
Equifax and regulators from Georgia and seven other states have entered into a Consent Order under which the company will beef up its cybersecurity standards and reporting to state regulators. The agreement is the result of the work of an exam team comprised of regulators from Georgia, Alabama, California, Maine, Massachusetts, New York, North Carolina, and Texas preformed after disclosure of last year’s data breach. Read the order here...
GBA Women in Banking Conference – An Unbeatable Learning and Networking Opportunity
“The Women in Banking Conference is one of my favorite conferences with GBA. After 40 years in the banking industry it is still exciting to continue learning from other women. Being able to network with women in the many different roles we have today is tremendously helpful. The speakers are always so informative and inspiring for me. I have made some great contacts through this conference,” says Debi Davidoff, director of Deposit Operations/Security Officer/SVP for Signature Bank of Georgia in Sandy Springs and chair of the Women in Banking Committee. Be sure you’re among the growing number of women bankers who make this a priority growth and development event. The conference is Aug. 22-24 at Legacy Lodge on Lake Lanier Islands. For a detailed agenda, hotel information, and to register online, click here. Contact GBA’s Kathy Friestad with questions, 404.420.2024.
President/CEO, Bank Accountants, and Bank Counsel Conferences Coming in the Fall
Mark your calendars for GBA’s 2018 President/CEO Conference, Bank Counsel Conference and Bank Accountants Conference. These three events will be held concurrently Sept. 30-Oct. 1 at The Ritz-Carlton Reynolds, Lake Oconee. Detailed conference agendas will be available soon, but registration is open – just click on the above links. To reserve your room at The Ritz at the GBA reduced nightly rate of $179, call the hotel directly at 706.467.0600. Be sure to say you are with the GBA to receive this special rate. The cut-off date for reservations is Sept. 10. After this date, all reservations will be subject to prevailing rate and space availability. With questions, please contact GBA’s Kathy Friestad with questions, 404.420.2024.
GBA-U Seminars
Save the Date for GBA-U Seminars

Check out our lineup of timely and informative seminars being offered in August and September. Click here for the schedule of upcoming GBA-U seminars...
Online Classes – July & August
Money and Banking, Accounting and Marketing

ABA facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. For more information, contact Alison Moreau, 404.420.2034. There are nine courses scheduled to begin in July and August...
Auction Method Effective Way to Sell Bank Branches
Banking Exchange noted in late March that during the previous 12 months, U.S. banks and thrifts had shut down a net 2,026 branches. Of those, almost 29 percent were in the Southeast. Banks looking to sell or buy branch locations may benefit through the auction process, explains John Dixon of GBA Associate Member John Dixon and Associates. Read four reasons why…
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.
Webinar: What to Look for in a Debit Card Program for Your Bank
Join Discover Debit's Richard Green for an upcoming webinar about the review and analysis process of selecting the debit card program that's right for your bank. Running a bank is a full-time job, and letting an existing signature debit network contract simply roll over can seem like the right thing to do. However, a closer look might prove otherwise. Click here for dates and registration details...
Click the image to learn more
Blenden with ABA president and CEO
Rob Nichols
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.