Georgia Bankers Association - The Resource that Empowers

April 18, 2014


Discounts Available for DOR-Approved E-Titling Provider

Decision Dynamics, Inc. (DDI) is GBA's preferred provider of the Premier eTitleLien™ product, a leading web-based computer program that enables lienholders to exchange lien and title information with the Georgia Department of Revenue Motor Vehicle Division thus eliminating the need to obtain paper titles for vehicle and mobile home collateral management. Learn about the discounts you can get...

Bank Assetpoint Helps Banks Market Assets

GBA Services, Inc. is pleased to endorse Bank Assetpoint, a product to help banks market their commercial real estate and other assets to potential buyers. Bank Assetpoint® allows members to search for and post assets for sale, either directly or through your real estate broker or loan sale advisor, and to connect with specialty service providers. Get access to a large number of eligible buyers, facilitating faster disposition, as well as the potential to capture the value of your assets, as well as easily post and monitor a wide range of assets - including performing and nonperforming loans, loan participations, loan pools, and commercial OREO – in a single, secure place. There are many other benefits, too. You can check out Bank Assetpoint at It's quick and easy to get started. With questions, contact Promontory's Danny Capitel, 770.630.6796.


Job Bank
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More GBA Products and Services

Like GBA on Facebook

Connect with GBA on LinkedIn

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BANKSTAT Management Reporting and Analysis Reports

Retirement, Pension and
401(k) Plans

Georgia Financial Directory

Thumbprint Signature Program

Pledging Pool


Loan Participation Case Deals with Successor Rights

A recent Georgia Court of Appeals decision raises interesting issues about how the FDIC’s rights as receiver to enforce contracts affect loan participations, writes Jerry Blanchard of the Bryan Cave law firm in a post on the company's blog. Blanchard describes how the decision in the case in favor of a Georgia bank will likely give participants more leverage in how loans are administered. Read the details here.


Lunch with the Acting FDIC Atlanta Regional Director – May 12

Don’t miss the opportunity to meet and have lunch with recently named acting FDIC Atlanta Regional Director, Michael J. Dean. The lunch is scheduled for Monday, May 12, at the Renaissance Waverly Hotel, Atlanta. He will also share his views of the state and how he will approach his new role. Dean has served in a variety of areas within the FDIC for 27 years. Before his appointment, he served as Atlanta’s Deputy Regional Director for Compliance and Risk Management since 2002. Click here to register. With questions about the meeting, please contact GBA’s Susie McGehee at 404.420.2010 or    


Two Georgia Banks among top Performing Community Banks

We’re always glad to see Georgia banks included in rankings of industry leaders, so we congratulate two GBA member banks this week for being named among SNL Financial’s top 100 best-performing community banks in their respective asset-size ranges.  Metro City Bank, Doraville, was ranked the No. 16 best-performing bank with assets between $500 million and $5 billion. NOA Bank, Duluth, was ranked No. 86 among banks with less than $500 million in assets. Get more details here...



From Durbin to Bitcoin to Breaches: Getting a Grip on the Payment System

The Atlanta Journal-Constitution this week ran a major series of stories about the future of money and payments that's worth checking out. (Link here. May require subscription.) It's a timely series, and we're going to take a hard look at the issue, too, during the GBA Annual Meeting this year. The evolving world of payments and how recent events-like the Durbin Interchange Amendment, the Target Breach and the like-have influenced the banking industry greatly. Ken Clayton, Executive Vice President of Legislative Affairs and Chief Counsel, American Bankers Association, Washington, D.C., will give you a big picture of these issues and more, and how the future may look.  Risks and opportunities abound, particularly when policymakers get involved.  Come hear his thoughts on how this broader dynamic may affect your bank, and what you can do about it. GBA’s 2014 Annual Meeting is scheduled for June 15-18 at The Greenbrier in White Sulphur Springs, WV. Click here to register.


GBA Bank Security Conference Dives Deep into Headline Issues

Preventing elder abuse, cyber-fraud trends, the security officer’s role in business continuity planning and fraud case management were among the major topics GBA security professionals discussed at the 2014 GBA Bank Security Conference in Savannah last week. For example, the attendees discussed that in addition to headline threats such as data breaches, consumers and bank security professionals should be aware that users of online dating sites have become prime targets for scammers. Read more details from the conference here, and see who was key to making the conference such a success...


Flood Insurance Update

Rates to be Restored to Pre-Biggert-Waters Levels May 1

The Federal Emergency Management Agency this week issued guidance to the Write Your Own insurance agents on implementation of the Homeowner Flood Insurance Affordability Act. Effective May 1, Pre-Flood Insurance Rate Map (Pre-FIRM) properties that were subjected to a full risk rate because they were purchased after enactment of Biggert-Waters or because of a lapse in coverage will see their subsidized rates restored, unless the full-risk rate is more favorable, when they purchase or renew their policy. The guidance outlines how to adjust rates and the requirements for new polices. Here's a link to the guidance.


Remittance Disclosure Deadline May Be Extended

The CFPB this week proposed extending until June 21, 2020, the temporary exception to its remittance rule that allows sending institutions to estimate fees charged by the receiving institution. The original provision expires in July 2015. Read more here...


Modest Expansion Noted for Fed’s Atlanta District

Business contacts in the Federal Reserve’s Sixth District were optimistic and expect near-term economic activity to grow at a moderate pace, the Fed said this week in its Beige Book summary of economic conditions. Retailers and hospitality contacts saw improvements coming off of the severe winter weather. Commercial real estate activity was characterized as growing at a moderate pace. Loan demand was up, according to community bank contacts, with aggressive loan terms and pricing driven by competition from larger banks and other community banks. Commercial loan growth stemmed mostly from luring business away from other bank competitors. Increased compliance costs were also reported. Read the full report here.


Seminar Spotlight

Legal Issues of New Account Documentation and Compliance Seminar April 24

You've still got time to register for our one-day seminar that will teach new account personnel proper account-opening procedures and compliance requirements. Topics to be covered include signature-card contracts, a CIP compliance overview, TIN compliance, individual accounts and much more. The seminar is designed for new accounts representatives, back-up new account personnel, certificate-of-deposit staff, and bookkeeping and accountholder service personnel. Click here to register.


Volunteers Still Needed to Judge Students
in Finance Events

Next month DECA will host the International Career Development Conference in Atlanta, bringing approximately 16,000 high school students to the state. Hundreds of these students will be competing in Business Finance and Principles of Finance on Monday, May 5. The students need professionals from the industry to judge them in this event. The events run from 12:30 p.m. - 6:30 p.m. at the Georgia World Congress Center. Visit and complete the appropriate registration form. 


New HomeSafe Features Can Help Homeowners

If you have a customer who has lost a job and is struggling to pay his or her mortgage payments, help is available at no cost to the homeowner. To help homeowners avoid foreclosure, HomeSafe Georgia, housed in the Georgia Department of Community Affairs, provides temporary help to homeowners who have become unemployed or underemployed through no fault of their own within the last 36 months. As part of the U.S. Treasury Department’s Hardest Hit Fund, Georgia received $339 million to help homeowners avoid foreclosure while they seek a new job. Find out what the new features of HomeSafe Georgia are here...


Marketing Peer Group May 20 Features High-Powered Digital Panel

We have confirmed an outstanding panel for the first session of the GBA Marketing Peer Group meeting scheduled for May 20 at First Landmark Bank in Marietta. The panel will go in depth in explaining the latest trends, tips and strategies for mobile, social and other new media channels. Panelists are...


Key GBA Event Reminders

Georgia Banking School

May 4 - 9

Click here to register

Southern Operations & Technology School

May 4 - 9

Click here to register


Rural Development and Lending Conference
May 15 - 16

Click here to register

Annual Meeting

June 15 - 18

Click here to register

Leadership Conference July 20 - 22

Click here to register


GBA Community Connections

Foreclosure Averted, Habitat Build and a Community Award Highlight Banks in Georgia's Communities this Week

Click here to read about the latest good works by various GBA members. We want to share all that GBA members do to support their communities. Submit your community information to Bo Brannen and David Oliver.


Sponsorship Available: GBA Associate Members may sponsor GBA's Community Connections feature to support our member banks' activities in Georgia communities. Contact David Oliver at 404.420.2036 for information.



Read about all the Georgia Bankers making news this week...

Cope Kim Darden


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.




New Account Documentation and Compliance Seminar
April 24

Analyzing Financial Statements Seminar
April 30

Georgia Banking School
May 4 - 9

Southern Operations & Technology School
May 4 - 9

Marketing Peer Group
May 20


2014 Annual Meeting
June 15 -18
White Sulphur Springs, WV

Leadership Conference
July 20-22
Ponte Vedra, FL


AIB Courses

Compliance Calendar

Lending Calendar

Ops/Tech Calendar

HR Calendar

Asset/Liability Calendar

Management Calendar

Security Calendar

Full GBA-U Calendar



Career Paths for BankersTM
The 44 most-common bank job descriptions, the skills and competencies you need to have those jobs and links to training and development by job title.

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