May 4, 2018        

Copeland, Mullis Nominated to GBA Statewide Offices
One of the highlights of GBA’s year is for our statewide leaders to be named to lead the association in the ensuing years. The GBA Nominating Committee has met and according to the Chair, Rick Drews, CEO, Century Bank of Georgia, Cartersville, the committee is unanimously recommending the Chairman-elect be J. Charles Copeland (Chuck), president and CEO, First National Bank of Griffin, and the Vice Chairman be Spencer N. Mullis (Spence), president and CEO, Morris Bank, Dublin. John F. Hall, president and CEO, American Pride Bank, Macon, automatically becomes GBA Chairman at the annual meeting. Kenneth A. Bibb (Ken), president, The Geo. D. Warthen Bank, Sandersville, will be the GBA Treasurer serving in the third year of a three-year term. “This is a strong slate of leaders and we are pleased they’ve accepted our invitation to serve in such an important role for our association and industry. We know GBA members will be well served by this group,” Drews said. The election will occur during the annual business meeting June 19, 2018.
Official Notice of GBA Annual Meeting
As stated in GBA's bylaws, the GBA annual meeting is held at a time and place set by the GBA Board of Directors. The official GBA business session of this year's Annual Meeting will begin at 7 a.m. Tuesday, June 19, 2018, at The Ritz Carlton, Half Moon Bay, CA, in the Ritz Carlton Ballroom.
GBA in the News
WSB Investigates Teller Card Terminal Security

We were proud this week to speak up on behalf of the industry and member banks featured in a TV news story questioning the security of in-branch card terminals used by some banks. A concerned customer of one bank contacted WSB TV, which led to the station doing hidden-camera visits to banks to test whether the terminals may be vulnerable to tampering or placement of skimming devices. One of the member banks targeted alerted us to the story and asked if we would be a resource to speak to the TV station on behalf of the industry about the overall safety and security measures taken to protect transactions, which we were glad to do. In collaboration with the members featured, the GBA Security Committee and some Associate Members, we were able to develop a strong, definitive statement to balance the story in on-camera comments. Access a link to the story and read more here...
Positive Signals on Regulatory Reform
Two U.S. House leaders this week signaled that we may be only weeks away from the House passing the Senate’s bipartisan financial regulatory reform bill. House Majority Leader Kevin McCarthy (R-Calif.) said he believes the House will pass the bill in May, and House Speaker Paul Ryan (R-Wis.) also expressed similar thoughts on a timeline, saying at an event in Milwaukee that, "We're a few weeks away."
GBA Member Profile
2017 Banking School Graduate of Distinction Janet Leach

After an early stint in banking after college, Janet Leach, vice president and controller for Oconee State Bank, Watkinsville, took some time away to raise her children and help her husband’s business from home, but she was excited to return before too long to the industry that offers what she considers a very rewarding career. You would not have known Janet took any time away after she was named Graduate of Distinction last year for the 2017 session of the Georgia Banking School in Athens. She shared with us the things she liked about the program--enough for her to return as a director on the school’s board. Read more about her career history and important leadership lessons she remembers in her member profile here…
Students Gear Up for Georgia Banking School and Basic Compliance School
More than than 150 bankers will gather in Athens Sunday for Georgia Banking School and Basic Compliance School. Students and faculty will enjoy a welcome barbecue Sunday evening before hitting the books Monday morning. Classes continue throughout the week with more than 60 faculty members sharing their time, knowledge and expertise with students. Banking School students commit to a rigorous three-year program and Compliance School offers an intensive one-week program, alternating a Basic and Advanced level curriculum. Check back for a complete wrap up in two weeks!
Advocacy in Action
Albany Rotary Gets Banking Beyond the Headlines Overview

We were honored this week to be the guest of GeorgiaCEO news service's President Matt Reed at the Albany Rotary Club Thursday. GBA President and CEO Joe Brannen shared an update about the state of banking in Georgia. His talk included bank performance highlights, regulatory reform progress, key consumer and business banking trends and the many ways the Georgians who happen to be bankers help Albany and all the communities they serve in Georgia. GBA frequently speaks to civic groups as an industry advocate. With questions, contact David Oliver, 404.420.2036.
South Georgia Community Bank Symposium Postponed
Due to member feedback, GBA is working with Valdosta State University to explore options on rescheduling the annual South Georgia Community Bank Symposium, which was originally set for May 16 on the university’s campus. Look out for an announcement of the date of the next Valdosta symposium in the Bulletin and GBA emails. With questions, please contact GBA’s Katina Prokos at 404.420.2021.
FDIC Examiners to Share Regulatory Insights at Ag Conference
FDIC examiners Ben Pitts and Brooke Kosar will share their insights on a number of ag-related regulatory issues at the upcoming Rural Development and Lending Conference, May 21-22 at The King and Prince Hotel on St. Simons. Pitts and Kosar will share a farm income outlook, take a look at farm economy, and discuss Georgia bank performance. They’ll also discuss interest rate risk, assessing liquidity, and using in-house evaluations with operating loans. As always, there will be time for Q&A with Pitts, an annual Ag Conference highlight for attendees. Be sure to register by Monday - May 7 - to take advantage of the $350 early registration fee. Click here to access the brochure, register online, and to see hotel reservation information
Nine GA Community Banks in top 100 Performing List
Georgia banks made up almost 10 percent of the top 100 performing banks with assets of less than $1 billion in 2017 in rankings compiled by S&P Global Market Intelligence, a GBA Associate Member. Congratulations to the nine banks and their teams that were among the top 100 based on analysis of pretax return on average common equity, net charge offs as a percentage of average loans, efficiency ratio, adjusted Texas Ratio, net interest margin on a fully taxable equivalent basis and loan growth. The Georgia banks recognized are...
ELC Elert
Overtime Exemption Tests and Wage & Hour Division Opinion Letters

The banking industry has been feeling the effects from the recent controversy and disruption to federal overtime exemption standards affecting mortgage lenders, underwriters, branch managers and a host of common roles in financial institutions. We received a special Elert this week from GBA Strategic Partner Employment Law Compliance that said they are optimistic about issuance of a recent Opinion Letter by the Wage & Hour Division of the U.S. Department of Labor that they feel will be helpful to compliance efforts for banks. Click here to learn more…
Satisfaction with Banks Hits High Mark
Almost 9 of 10 bank customers (89 percent) rate their bank as excellent, very good or good these days. And, 86 percent give their bank high marks for fraud prevention and security. Those are stats from recent polling done by the American Bankers Association released last week. Other responses were that 75 percent agree that banks are important in growing the economy and jobs, and 73 percent believe the Dodd-Frank Act and other rules enacted in the wake of the financial crisis 10 years ago should be reassessed at this point. More facts here...
Last call! Marketing Peer Group Meeting - May 9, Athens
Bank marketing professionals and bankers with marketing responsibilities still have time to register for a day-long session in a unique setting at GBA’s next Marketing Peer Group Meeting May 9 in Athens. Registration is $175 per person. Click here to see the agenda or here to register online. With questions, please contact GBA’s Katina Prokos at 404.420.2021.
Annual Meeting Tours and Activities Filling Up!
Once you've absorbed all the great industry intelligence during the morning sessions at our Annual Meeting, don’t miss the opportunity to participate in some of the great tours and activities available afterward at GBA’s 2018 Annual Meeting. Tour some award winning wineries, hike through the giant redwoods, bike along the Pacific Coast, visit the historic Filoli Estate and try your hand at standup paddle boarding in the Pacific Ocean. There’s also a fun and interactive complimentary spouse breakfast program, a golf tournament at The Ritz-Carlton’s stunning Ocean Course and more. Whether you’re looking for outdoor thrills or educational and cultural activities, there is no shortage of activities in and around the area. Click here for complete details about everything we have scheduled. The registration deadline for the tours is May 18. Spaces are filling up so please register soon!
Sponsorship/Exhibit Opportunities Available at Leadership Conference
Strategic Partners and Associate Members, don’t miss the opportunity to be recognized by the banks and bankers you serve by sponsoring an event at the 2018 Leadership Conference. High-visibility sponsorships are still available. To sponsor an event, complete the sponsor form and e-mail it to GBA’s Susie McGehee. We are also extending an exhibiting opportunity for those who have products and services that would be of interest to conference attendees. Because of limited space, this opportunity will be offered on a first-come, first-served basis. To register for a booth, complete the exhibitor registration form and e-mail it to Susie. With questions, please contact Susie at 404.420.2010.
S-Corp Workshop Coming Up from Associate Members on May 14
Bankers from Georgia’s 53 S Corp banks and bankers interested in converting may be interested in a workshop coming up from Bryan Cave Leighton Paisner, Porter Keadler Moore, and FIG Partners. The May 14 workshop at the Bryan Cave Leighton Paisner offices in Atlanta will explore issues affecting S Corp banks following adoption of the Jobs and Tax Cuts Act. Agenda here. Register at this link...
How to Get Some Quality National Recognition
We know our members are among the best in the country for serving their hometowns and marketing their products and services. We want to make sure others realize it, too. We encourage members to enter these two national competitions coming up to highlight your good work…
Small Business Survey Says…
There are some good insights about small businesses published recently. Revenue growth, hiring and expansion are in the cards during the next 12 months for more and more small businesses according to a survey by Bank of America. One interesting response was that 52 percent of respondents believe all payments will be digital in five years. More survey details here…
Compliance Peer Group Meeting - June 6
TRID, new Mortgage Servicing Rules and Prepaid Card Rules on the Agenda

Bank compliance professionals won’t want to miss GBA’s next Compliance Peer Group Meeting June 6 at Idle Hour Country Club in Macon. Brad Washburn, Steve H. Powell & Company, Statesboro, will cover the newest TRID changes, the new Mortgage Servicing Rules and Prepaid Card Rules. Brad will then facilitate open discussion on the new HMDA and Beneficial Ownership rules as well as the Military Lending Act in regards to indirect lending. The price for this event is $125, and CRCM credits will be applied for. Click here to register. With questions, please contact GBA's Katina Prokos at 404.420.2021.
Online Classes - May and June
Analyzing, Building and Marketing the Bank

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. Click here for a list of all ABA offerings. There are seven courses are scheduled to begin in May.
ABA Certificate in Business & Commercial Lending
The ABA Certificate in Business and Commercial Lending focuses on financial statement analysis and commercial lending, will familiarize lenders with both audited and unaudited statements, and fill any gaps in your understanding of credit analysis and underwriting. Let the industry know you are "credit trained" and ready to bring in new, qualified business. Courses include...
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.
Specialized Marketing and Branding for the Digital Age from FMS
Digital marketing channels such as email marketing, social media marketing, blogs, online display advertising, search engine optimization, search engine marketing and mobile marketing are critical for earning new business from today's bank customers. Financial Marketing Solutions (FMS), a Strategic Partner of the GBA, is a niche branding and marketing agency solely serving the financial services industry. Learn more about FMS here. For more information, please contact Sean Hockenbery, 615.591.2073.
Help Customers Save SUM® Money!
The SUM Surcharge-free ATM Network allows your bank's customers to save time and money by offering surcharge-free access to thousands of ATMs around the country. If your bank is a SUM Program member, your customers can use any SUM ATM without paying a surcharge. The consumer benefits of the SUM Program are immediate and easy to access. Your customers don't have to register, and all they need to withdraw cash without a surcharge is your bank-issued ATM card. Other customer advantages include…
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...
FifthThird Bank
Morris Bank
Signature Bank of Georgia
Edwards and Thomason
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!
Staus of Important Cases
May 2018