Georgia Bankers Association - The Resource that Empowers

April 4, 2014


An Easy and Effective Way to Provide Customer Appreciation
Because it costs five times more to acquire a new customer than to retain one, focusing on customer retention is more than just a good idea - it's an imperative. As part of your customer retention efforts, don't overlook the amazing power of appreciation.
Telling customers you appreciate their patronage boosts loyalty. But, combine a "thank you" with $1,000 in Accidental Death and Dismemberment insurance coverage, and you could see your annual attrition drop significantly among participating customers. Affinion's Customer Appreciation program has been increasing customer retention among its clients for two decades. Endorsed by the both the American Bankers Association and the Georgia Bankers Association, the Affinion program provides a no-cost, no-risk opportunity to express your appreciation and earn ongoing fee income. Contact Bethany Armstrong for more information at 615-794-2356.

High-Yield CRA Credit Program Benefits Seniors and Banks
The mission of the Senior Housing Crime Prevention Foundation (SHCPF) is to provide safe and secure living environments for our nation’s senior housing residents, HUD communities and Veterans homes through the administration of the nationally-acclaimed Senior Crimestoppers program. Funded exclusively by the banking industry, the Foundation enables banks to earn Community Reinvestment Act credit through the sponsorship of the Senior Crimestoppers program in low and moderate income senior housing facilities in each bank’s CRA assessment area. Funding for the Senior Crimestoppers program is provided in the form of community development loans, CRA-qualified investments, and recently, in the form of CRA-qualified grants. By becoming a partner in the Foundation through any of the available funding options, a bank can fund the Senior Crimestoppers program, earn valuable CRA credit, and gain positive public relations in its community for protecting vulnerable senior housing residents. Senior Crimestoppers is a multi-faceted program that protects the elderly from theft, abuse and financial exploitation, and is administered by the Foundation who is endorsed by the ABA, and bankers associations in 38 states. For more information, visit or contact Sue Shaffer at 901.529.4787.

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Attorney General Weighs in on Negligence Cases
Through two briefs filed with the Supreme Court of Georgia, Attorney General Sam Olens, as counsel to the Georgia Department of Banking and Finance, urges the court to rule that the State's Business Judgment Rule would bar liability against directors and officers of failed banks for "ordinary negligence in the performance of their duties." The Banking Department has long interpreted the rule that bank directors and officers are not subject to suit for ordinary negligence. In the briefs, the Department reminded the court that their interpretation is consistent with one of the primary objectives of the Banking Code which is to allow directors and officers to exercise their business judgment in the management of financial institutions. See what GBA's chairman has to say about the briefs and why it's so important for the court to support the Department's interpretation...

Annual Meeting Brochures Mailed This Week
Brochures announcing GBA’s 2014 Annual Meeting scheduled for June 15-18 at The Greenbrier in White Sulphur Springs, WV were mailed this week.  Attendees will hear nationally known speakers discussing the hot issues facing bankers today. Also on tap are many excellent breakout sessions and networking opportunities. Learn more about why so many Georgia bankers are attending and register...


Interest Rate Risk Management Strategies

Breakout sessions at the annual meeting are always a hit. One of the topics being addressed this year will be interest rate risk - a hot button for all the bank regulators. For many bankers, managing the risk of a rising-rate environment will be a new experience and one that is fraught with risk to both our fixed rate loans and securities portfolios. See who's leading this session and plan on attending...


CFPB Releases Small Entity TILA RESPA Compliance Guide

Now that the Consumer Financial Protection Bureau (CFPB) has oversight of TILA and RESPA, the agency has been working to merge the sometimes duplicate and even conflicting information lenders are required to provide borrowers. This week, CFPB released what they’re calling “Small Entity Compliance Guide for the TILA-RESPA Integrated Disclosure Rule.” The 89-page guide is designed to help community banks and other small lenders covered by the act understand their federal mortgage disclosure compliance obligations for the mortgage loans they originate. See what CFPB says you need to know...


GBA Board Sets Federal Legislative and Regulatory Priorities

The GBA Board of Directors met this week for their quarterly meeting. Among a long list of agenda items was discussion about the myriad federal legislative and regulatory issues confronting the industry. We're taking a big contingent of Georgia bankers to D.C. in May and the Board used this meeting to help focus their thoughts on the key issues that align our members' interests with legislative and regulatory proposals either pending or need to be introduced in Washington. The list of issues is long, but take a look and let us know if you want to add more...


Georgia Voter Registration Goes Online

Secretary of State Brian Kemp has announced a two-year project to bring voter registration online is now available. Concurrently with online registration, Georgia is the first state to also roll out a mobile application connecting to an individual’s voter registration and other pertinent information. The project is a continuation of the “My Voter Page” initiative which was launched in  2010. It gave Georgia voters the opportunity to view their specific sample ballot, find their early voting and election day polling locations, check voter registration status and track the status of their absentee ballot. The deadline to register to participate in this year’s May 20 primary elections is April 21. Learn more about Georgia's new registration system and see how you can share it with family and friends who aren't yet registered...


Regulatory Panel Added to New NW Georgia Community Bank Symposium

Don’t miss the opportunity to ask the Regulators questions at GBA's newest event: the Northwest Georgia Community Bank Symposium slated for April 23 at Berry College in Rome.  Commissioner Kevin Hagler, Georgia Department of Banking and Finance, Frank Gray, Assistant Regional Director, FDIC and Michael Johnson, Senior Vice President, Federal Reserve Bank and Dian Brown, Assistant Deputy Comptroller, OCC will be on hand to provide an update and answer questions. See what else is on the agenda and register today...


Ways to Boost 401(k) Participation

At the recent meeting of the GBA Retirement Services, Inc. Board of Directors, a good discussion was held about how 401(k) Plans have become the main support of the American retirement plan system. With the average household retirement balance standing at only $120,000, enough to produce about $500 a month in retirement, we can do better than that. It is more important than ever for employees to understand the benefit of long-term investing in a 401(k) Plan in order to ensure a sufficient nest egg at retirement. Here are some ways to help increase your employee participation levels. Four simple tips increase participation thereby helping build a nest egg for families; see how GBA can help...


Southeast Georgia Community Bank Symposium
a Big Hit

Almost every bank in Southeast Georgia was represented at an event jointly sponsored by Georgia Southern University and the GBA this week. Bankers heard presentations on where interest rates were going in the next two years as the economy recovers; smart balance sheet management; where the big regulatory initiatives are heading; managing the bank's portfolio in a rising rate environment; the newest trends in the cyberworld; the 2014 state legislative session; and trends bankers across Georgia were reporting. See who said all that and why our relationship with GSU is so important...


Lending and Deposit/Operations Compliance Seminars Almost Here

Several years ago, GBA separated one our most popular 3-day compliance programs into two separate programs to accommodate requests from bankers to send different people to each session. We still have many bankers attend both sessions, but for those banks that split lending and deposit compliance among two different people, the strategy has proven successful. So stop what you're doing and register right now to attend either or both of these two seminars. The Basic Deposit and Operations Compliance Seminar is on April 15, and the Basic Lending Compliance Seminar is on April 16-17. Both are being led by Steve Moore of Bank Compliance Services and will be held at Idle Hour Country Club in Macon.

  • matic Enrollment. By automatically enrolling new participants, many participants will stay in the Plan rather than taking the time to opt out. The GBA Plan offers a new safe harbor version of automatic enrollment that many of our members have already taken advantage of;

Key GBA Event Reminders

Bank Security Conference

April 10-11

Click here to register

Northwest Georgia Community Bank Symposium

April 23

Click here to register

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

Charity Clays, Hispanic Outreach and Relay for Life...

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...




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.




Bank Security Conference

Business Continuity Planning
April 10 - 11

Deposit and Operations Compliance Seminar
April 15

Basic Lending Compliance, Two-day Seminar
April 16 - 17

Northwest Georgia Community Bank Symposium
April 23


New Account Documentation and Compliance Seminar

April 24

Analyzing Financial Statements Seminar
April 30

Safety and Soundness Seminar
May 1

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


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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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