November 2, 2018    

Scott and Bishop

GBA Disaster Plan for Producers

GBA’s Agriculture Committee has continued to refine its proposal for slight modifications to the existing federal disaster aid programs. The goal is to bring certainty to producers so they will know what resources they will have available as they work with their lenders for their 2019 operating lines. The proposal is based on lessons learned from the implementation of the 2017 Wildfire and Hurricane Indemnity Program. The committee met this week with Rep. Austin Scott (R-GA8) in Ashburn to discuss modifying the current program so that it would be fairer to the producers and get payments more quickly to the producers. Scott serves on the House Agriculture Committee and represents part of the state affected by Hurricane Michael. The GBA Agriculture Committee met last week with Rep. Sanford Bishop (D-GA2) with producers and other stakeholders. Bishop also represents a large part of the area affected by the hurricane and serves on the House Appropriations Committee. Congress will consider options when it returns for the lame-duck session Nov. 13. Read about the recommendations here.
Also related: See a short video of one farmer's cotton crop damage provided by Mike Chastain, United National Bank, Cairo.
OCC Meets with GBA and Others
GBA’s Elizabeth Chandler and other state bankers association representatives from the Southeast met with OCC officials representing Comptroller Joseph Otting this week. OCC officials present were Toney Bland, senior deputy comptroller for Midsize and Community Bank Supervision, Troy Thornton, deputy comptroller for the Southern District, and Carter Messick, associate deputy comptroller for the Southern District. Of note were the following key risks for the southern district in the examination process: commercial credit underwriting, CRE concentration, funding costs, cyber security and BSA/AML concerns. Additionally, community bank innovation was highlighted as well as the offer of their staff expertise in all areas including legal analysis. With questions, please contact Elizabeth Chandler at 404.420.2027.
Make Sure Your Bank is Represented
Last Call for Financial Risk Management Registration

Make that last-minute call to be there with your peers from other bank finance teams for the annual review of all things related to running a profitable bank during our 2018 Financial Risk Management Conference Nov. 7-8 in Atlanta. Topics of note include the yield curve, liquidity strategies, economic update, enterprise risk management, deposit trends payments and more. Details and registration access here.
When Bankers Descended on Statesboro
A fascinating panel of students sharing their career aspirations in community banking, a look at the local economy, a strategic thinking primer and a real estate overview drew a big crowd to the Southeast Georgia Community Bank Symposium in Statesboro Thursday. "I thoroughly enjoyed today's program and thought it brought a lot of value to our region. I loved that the sessions were really on top of the current issues and the direction of the economy in our region for the next couple of years. This event is a resource that helps us be better bankers and help the communities we live in," said Carolyn Ethridge, market president for Renasant Bank in Statesboro. Held in conjunction with Georgia Southern University, the symposium provides a look at the unique banking and business trends in the southeast Georgia region. "GBA and Georgia Southern University continue to elevate the awareness of our industry with another tremendous symposium," said Nick Schuster, Cash Transactions, LLC. Read about the program here, and see photos from the symposium here.

Coming up Dec. 13-14, Atlanta

Dig in to Case Studies about Loan Collection during Credit Conference
Among the sessions at this year’s GBA Credit Conference will be a deep dive into recent Georgia lawsuits related to loan collections. Bill Custer and Jen Dempsey of Bryan Cave Leighton Paisner will detail the cases and provide advice about how to avoid pitfalls in lending, workouts and litigation. Don’t miss this and the other sessions at the conference, which include a detailed look at the Georgia credit environment, industry recruitment to Georgia, CECL, talent recruitment tips and more. Get all the details and access registration here. With questions, contact GBA’s Alison Moreau, 404.420.2034.
How Your Customers Like to Bank
This poll was conducted by Morning Consult on behalf of the American Bankers Association from Sept. 11-12, 2018, among a national sample of 2,201 adults.

Citizens Bank of Laurens County Warns of Fraudulent Cashier’s Checks

Banks are encouraged to be on the lookout for fraudulent cashier’s checks bearing the name "Citizens Bank" and the check number 46418. The Citizens Bank of Laurens County, Dublin, asks that financial institutions verify any suspicious check by calling the bank. With questions, please contact Kathy Noles or Lynn Jordan, 478.272.7775.
New Cybersecurity Resources Available
There are new tools available for banks looking to beef up their cybersecurity programs.
  • Cybersecurity Profile - The Financial Services Sector Coordinating Council and a group of national financial trade organizations published a new Cybersecurity Profile intended to provide a common, credible approach to cybersecurity and assessment that reduces time spent on compliance activities. Learn more and access the Cybersecurity Profile here.
  • FDIC Cybersecurity Preparedness Resources - There are two new components of the FDIC’s Cyber Challenge: A Community Bank Cyber Exercise program. Disruption scenarios are presented through video vignettes about nine common cybersecurity threats including customer account takeover, ransomware, ATM malware, phishing, natural disasters and more.
HR, Security Committees Plan their 2019 Conferences
Two GBA committees have been hard at work sharing important trends and planning their spring 2019 conferences. GBA’s Human Resources Committee and Security Committee held meetings to discuss what’s happening in their fields and desired educational programming.
  • Led this year by Leigh Pharr, First Landmark Bank, Marietta, the HR Committee went over talent development and recruiting needs, mentoring programs, legal and policy issues and more at their meeting on Oct. 24 in Macon. Registration is now open for the HR Professionals Institute March 20-22 on Jekyll Island, providing information and tools to help bankers managing daily HR challenges at their institutions.

  • Led this year by Angela Slay, United Community Bank, Blairsville, the Security Committee discussed trends in check fraud, bank robbery response and elder financial abuse at their meeting Oct. 30 in Atlanta. Registration is now open for the Bank Security Conference April 11-12 on St. Simons Island, designed to help new and veteran security officers keep employees and customers safe.
HR Committee meeting
Security Committee meeting
With questions about either conference or committee, please contact GBA’s Alison Moreau, 404.420.2034.

GBA Member-Staff Team Gets Tough, Muddy on 5k Obstacle Race

A spirited group of GBA staff and members recently worked together to undertake the Tough Mudder Atlanta mud run 5k at Bouckaert Farms in Fairburn. Jackson McConnell, Pinnacle Bank, Elberton, and Rob Klingler, Bryan Cave Leighton Paisner, Atlanta, joined GBA staff members Joe Brannen, Bo Brannen, Kerri Brooks, Shan Haugabrook, Gino Lassiter, Edie Lindsey, Katina Prokos and Jenna Lynn Warner to complete the 13-obstacle course, helping each other along the way. The GBA team finished strong and with just a few bruises but a lot of fun memories. Many thanks to Jackson and Rob for participating!
Online Classes - November & December
Attention Commercial Lenders
ABA facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. For more information, contact Shan Haugabrook, 404.420.2020. Click here to see the eight upcoming courses scheduled to begin in November and December...
ABA Certificate in Business & Commercial Lending
Quickly get new lenders up to speed and fill in the training gaps of your more experienced lenders. Designed to develop a thorough understanding of both audited and unaudited statements, as well as credit analysis and underwriting, the Certificate in Business & Commercial Lending helps your team demonstrate that they’re ready to bring in new, qualified business. Click here to see the courses included in the certificate...
To register for individual courses or the certificate, click on the links above. For more information about any of these offerings, contact contact Shan Haugabrook, 404.420.2020. Click here for a list of all ABA offerings...

GBA Retirement Services Annual 401(k) Training Seminar

The GBA Retirement Services Annual 401(k) Training seminars will take place Dec 4 in Atlanta and Dec. 5 in Macon. HR administrators may attend either session at no cost. The seminars will cover annual administration, testing review, compliance updates and an overview of investments and managed accounts as well as provide an update on participant outcomes for our members. If your bank is not a GBARS participant, we also invite you to come and learn more about our services. Give us a call to find out how our program is helping thousands of Georgia bankers be fully prepared for retirement. We promise you won’t be disappointed. Have questions? Contact Mandy Richards at 404.420.2025 or Danielle Driggers at 404.420.2002 for more information. Register here for Atlanta or Macon.
Appraisal Management Solutions
Dart Appraisal has been focused on one thing since 1993: providing custom appraisal management solutions. Period. That singular focus has resulted in a highly experienced, national appraiser panel that consistently delivers timely quality results. They also understand that appraisal management is not one-size-fits-all. As part of their commitment to meeting each partner's specific needs, they customize solutions and create dedicated teams to continually improve their service every step of the way. That's why their partners stay with them, and why we believe they're a great choice to be your new business partner. Let Dart Appraisal get your appraisal management process on target. Download their brochure to learn more about Dart, or click the link below to get in touch with an account executive.
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Learn About the Advantages of Bank Owned Life Insurance (BOLI) Programs from EBS
We want to remind members about the addition of Executive Benefit Specialists, LLC (EBS) as a GBA Strategic Partner. EBS specializes 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. Given the fiduciary responsibilities of bank management and board members, it is crucial that banks partner with experienced and qualified professionals to service their BOLI programs and Nonqualified Plans. Read about the benefits of working with EBS and a special offer for GBA members here. Contact Jim Foyt at 877.242.9751.
Keep Your Company Visible Year Round in Print and Online with a Directory Ad
Here’s a head’s up for our readers that our publishing partner, E&M Consulting, is wrapping up its campaign to recruit advertisers for our next GBA Financial Institution Directory. In the next couple of weeks, it will be contacting all GBA Associate Members one more time to discuss those opportunities. This is a chance for your company to be visible to GBA members year round in print and online for one affordable rate. As you look at marketing and promotion budgets for next year, don’t forget to take advantage of this great option. If you already know you want to advertise, please contact a sales associate at E&M or sign up online here. Please call GBA’s Bo Brannen, 404.420.2014, if you have any questions.
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. If you have any questions, please contact GBA's Katina Prokos at 404.420.2021.
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 Katina Prokos and David Oliver, or if your company would like to sponsor this content, let us know. Here's our latest installment...
First National Bank
First Port City Bank
United Bank
Synovus Bank
Signature Bank of Georgia
Queensborough National Bank & Trust Company
Thomasville National Bank
South Georgia Banking Company
Don Allison
Marc Greene
Kessel Stelling
John Griffin
Sarah Martin
Ken Farrell
Billy Sullivan
Josh Collins
Kerrie Bramlett
Trevor Booth
First National Bank
The Peoples 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 Katina Prokos.