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February 8, 2019     

Community Bank Survey

Georgia’s Banks Say Tech an Opportunity, Note Challenges

The results of the CSBS 2018 Community Banking Survey are out. Georgia community bank respondents said they view technology more as an opportunity than a threat and they believe they still are the best choice for small business lending in their communities. Attracting talent, regulatory burden, the need for tailored regulation, cybersecurity and returning value to shareholders are among the challenges cited by Georgia community bankers. Nationally, one interesting finding is that banks view competition from fintech in the lending space as minimal now, but something that will only grow in the future. Read the Georgia section of the survey here.

Legislature in Session this Week

The Georgia General Assembly will complete their work this week on Friday and we will publish our Legislative Update when they adjourn. The first bill of the session was passed this week naming the new judicial center complex after former Governor Nathan Deal. One of GBA‘s priority bills was heard in committee and we expect further action soon. The bill will require certain bank documents, such as cancellations of guarantees, to be in writing. We are also adding new bills to our tracking list each day, so be looking for our publication tomorrow with more details. With questions, contact Elizabeth Chandler, 404.420.2027.

Advocacy in Action

Donalsonville Lions Club Gets Scoop on Banking

GBA President and CEO Joe Brannen was the guest speaker at the Donalsonville Lions Club Tuesday to give them an update about banking, and in particular to share with them some details about the work bankers have been doing to provide relief to their area hit so hard by Hurricane Michael. Read about the visit here.

Post Jobs Free for the Next 30 Days!
Introducing New GBA Strategic Partner BankTalentHQ

Recruiting and retaining the very best employees is at, or near the top of, the list of priorities for almost every GBA member this year. We have been hearing it all over the state, from banks of all sizes. GBA has found a perfect solution to help with our newest GBA Strategic Partner BankTalentHQ. BankTalentHQ was designed to be a premier talent management and career-building resource for the banking industry and is brought to you by GBA in partnership with other state banking associations across the country, including Alabama, Kentucky, North Carolina and South Carolina. The central feature of BankTalentHQ is its job board, which will allow banks to purchase individual job posts or packages of posts at discounted prices. Click here to see all the other BankTalentHQ features and services, tailored specifically for the banking industry. Also, for the next 30 days, we will also be offering free job postings for every GBA member and Associate Member to help support the launch of BankTalentHQ in Georgia. Please connect with GBA’s Bo Brannen, 404.420.2014 for your promotional code for your free post, or if you have any questions about BankTalentHQ.
Marks

Fostering Wellbeing at the Bank with Christopher Marks

American Pride Bank Compliance Officer Christopher Marks learned an important lesson in his first job as a cashier and stocker at a school supply company in Texas. "Smiles make customers feel better, and sarcasm makes coworkers feel better," Marks said. "Well, perhaps the sarcasm only helps me, but I like to think my coworkers find it entertaining as well." An incoming member of the GBA Compliance Committee and 2017 graduate of the GBA Advanced Compliance School, Marks discusses his pursuit of wellbeing for the bank in his role as compliance officer, love of reading books he disagrees with and more in this week’s member profile.

Compliance Committee Tackles Host of Issues

GBA’s Compliance Committee met this week and covered lots of ground in updating each other on a variety of important issues. They shared updates about trends in CRA compliance, BSA issues, exam trends, mortgage fee disclosures and more. Maggie Davis, Commercial Banking Company, Valdosta, led the meeting as she will be chair of the committee beginning in July. The committee put forth a full slate of ideas for their fall conference, which will be Sept. 18-20, 2019, at the Crowne Plaza Atlanta SW in Peachtree City. Look for details soon. With questions, contact Alison Moreau, 404.420.2034.

Scenes from the 2019 BankPAC Clay Shoot

More than 70 bankers, bank counsel and Associate Members came out to participate in the second annual Georgia BankPAC Clay Shooting Tournament. More details to come next week, but see scenes from the event below.

Future Branches, In High Schools?

An article in the ABA Banking Journal caught our eye this week. There’s a lot of talk about the format for branches of the future in terms of technology, physical footprint and other features. However, some banks are putting branches in unique locations, including high schools, to enhance financial literacy, build customers for life and also plant the seed for new banking careers. Read the story here.

Customer Satisfaction Trending Up

Bank customers continue to report increased satisfaction levels with the service they get from their bank. Satisfaction edged up from 2017 to 2018 in the CFI Group’s 2018 Bank Satisfaction Barometer. Banks showed improvement in five of seven key categories, and held steady in the two others, onllne banking and mobile applications. Convenience and trusted recommendations continue to lead as the primary reasons customers choose a particular bank.

Tips for Loan Participation Agreements

Loan participation agreements (LPAs) are common tools used by banks to spread their risks, be it risk to a particular borrower or, if the loan is secured by real estate, risk in a particular locale. However, LPAs can sometimes be a source of disputes between banks, says John Lockett, a partner in the Morris, Manning & Martin law firm, a GBA Associate Member. Read his thoughts on how to avoid disputes here.
Mortimer

GBA 2019 Annual Meeting

The Four Cs of Why You Should Join Us in Banff

Attending the GBA Annual Meeting June 23-26 is all about content, community, connecting and creativity. On the content front, we’re excited to welcome Jeffrey Mortimer, director of investment strategy for BNY Mellon Wealth Management, as our kick-off speaker. Using an illustrative tool developed called the Investment Wheel, Mortimer will explain the interaction between the economy and stock market in a fresh and unique way. Mortimer’s take on the economy will inspire conversation among your peers. Click here for more information, and if you’re ready to register, you can do so here.
Past LGBA President Wade Johnson and family at the 2018 conference

Registration Now Open! GBA 2019 Leadership Conference - July 22-25

We’re excited to announce that registration is open for the 2019 Leadership Conference July 22-25 at the Ponte Vedra Inn & Club in Ponte Vedra, FL. This annual gathering of more than 100 emerging leaders from our member banks is a perennial professional and personal highlight for those who attend. The educational sessions feature experienced bankers and industry expert speakers, along with energetic panel discussions and inspiring leadership content. The atmosphere is relaxed and family-oriented, with ample informal networking time. Get more information here.
Sands

New Program: The BSA Experience, Coming Aug. 20-23

GBA is proud to announce our newest program, The BSA Experience: A Deep Dive into the Bank Secrecy Act and Knowing How to Comply. GBA has partnered with Terri Sands, founder of Secura Risk Management, to create this one-of-a-kind, four-day program for BSA professionals. This experience is designed to take BSA officers, compliance officers, risk management officers, internal auditors, and their teams through all topics that support an effective BSA program. The BSA Experience will be Aug. 20-23 at Middle Georgia State University, Macon. In order to provide this unique hands-on experience, registration is limited to 50 participants. Register now to secure your spot. Please contact GBA’s Jenna Lynn Warner, 404.420.2035, with questions.

Discount Deadline Coming up for Banking, Compliance Schools

Act quickly to take advantage of discounted tuition prices for GBA’s premier education programs for career bankers. The early registration period for the Georgia Banking School and GBA Advanced Compliance School ends Feb. 15 for the term that will run from May 5-10. See Georgia Banking School details and registration information here, and read on for information about the GBA Advanced Compliance School. With questions, please contact GBA’s Alison Moreau, 404.420.2034 or Jenna Lynn Warner, 404.420.2035.
Dickinson

Advanced Compliance School Highlight: David Dickinson

One of the featured sessions at the upcoming GBA Advanced Compliance School will be a thorough look at how to set up a strong compliance management system in your bank. David Dickinson, CRCM, with Banker's Compliance Consulting will lead a full day of instruction on this topic. Participants will talk through the principles of the compliance management system and discuss how to adjust them to fit your culture, environment, personnel and systems. It must be evaluated and adjusted as new rules and requirements are issued and as your personnel change. Read more here, and get school details and registration information here.

Fair Lending for HMDA & Non-HMDA Banks - Feb. 20

Compliance officers, compliance auditors and loan officers won't want to miss GBA's Fair Lending seminar Feb. 20 at Middle Georgia State University in Macon. Steve Moore of Bank Compliance Services 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 this full-day seminar. Register by Feb. 13 for the early-bird price of $250. Click here to register online. Please contact GBA's Jenna Lynn Warner, 404.420.2035, with questions.

HR Institute to Feature Key Legal Updates

Georgia Bank HR pros won’t want to miss the thorough and detailed HR legal updates set for this year’s HR Professionals Institute March 20-22 at the Westin Jekyll Island. Conference favorites Steve Greene and Edie Lindsay will again present. Greene, an employment and labor attorney and managing member for GBA Strategic Partner Employment Law Compliance (ELC). will present a three-plus-hour legal update. Lindsay, general counsel for the GBA Insurance Trust, Inc., will be on hand with an update on HR issues related to insurance. Join the big crowd forming for this popular conference. Get details and access registration here. Contact GBA’s Alison Moreau with questions, 404.420.2034.
Johnson

Op/Tech Conference - March 25-27

The Collaboration Journey & The Future of Work

The financial industry continues to look for ways to optimize the customer experience while ensuring regulatory compliance. At the GBA Operations and Technology Conference March 25-27 at the King and Prince Hotel, St. Simons Island, Ben Johnson, CEO, Liberty Technology, will show attendees how to leverage collaboration solutions to provide customers with real-time access to experts, improve operational efficiencies and eliminate organization and geographic boundaries while meeting industry compliance regulations. Get more information here.

Online Classes - February

Something for Every Skill Set

Check out these online courses that start in February. These ABA-facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. See the upcoming ABA online courses 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. 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...
Ameris Bank
First Bank
Colony Bank
Queensborough National Bank & Trust Co.
Pelham Banking Company
Greater Community Bank
South Georgia Banking Company
Stratton
Jordan
Southeastern Bank
Smith
Powers
Nelson
Starling
Carson
Gardineer
Read All About It: Send Us Your News
We want to share your news with your colleagues around the state. Please forward your announcements about promotions, new employees and special recognition your bank has received along with any available photos to GBA's David Oliver and Katina Prokos.