Georgia Bankers Association - The Resource that Empowers

July 18, 2014


What Can GBA Retirement Services Do For You?
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Get Specialized Marketing and Branding for the Digital Age

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...

Time for a Checkup for your Checking Program

Banks that have taken a competitive look at their check program over the past few years have realized big savings off their current check program costs. Through our partnership with Deluxe, the GBA is able to offer an exceptional program for your bank. Through our program, you get aggressive rates and exceptional rebates. The banks that have moved to the Deluxe check-printing program tell us the transition has been an easy switch. It is helpful to give Deluxe at least eight weeks to complete the transition. The time and effort required by your bank is minimal, and Deluxe does all the heavy lifting. For a thorough checkup of your checking program and for more information, please contact Deluxe's Kevin Jefferson at 336.676.0321.

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Pledging Pool

Blanton Testifies on “Tsunami” of Regulations

Georgia banks were well represented this week in Washington, D.C. Georgia Bank & Trust CEO Dan Blanton, who is the ABA vice chairman, testified to the U.S. House Financial Services Subcommittee on Financial Institutions and Consumer Credit. His topic was the increased regulatory and legal burdens on community banks and how they are crimping credit and product offerings. “Managing this tsunami of regulation is a significant challenge for a bank of any size, but for the median-sized bank with only 40 employees, it is overwhelming,” Blanton said. Read more about Blanton's testimony and access the full text ...


Georgia Bankers Participate in ABA Summer Meeting

GBA Chairman Remer Brinson, president and CEO of First Georgia Bank of Georgia; Dan Blanton, president and CEO, Georgia Bank and Trust and ABA vice chairman; and John Hall, CEO, American Pride Bank, Macon; were among banking leaders from across the country who gathered this week to discuss all things banking at the annual ABA Summer Leadership Meeting. “We heard from industry experts and spent hours in table discussions prioritizing the issues most important to our banks and customers. What was interesting to me is that regardless of whether you were a banker from Georgia or Oregon, or from a small rural bank in Kansas or a larger regional bank in Massachusetts, we all face the same threats of a regulatory system badly in need of reform, cybercriminals working every day to crack into our systems, and competitors outside the traditional banking industry chipping away at our market share. Yet I left the meeting with a renewed sense of optimism that the collective strength of our great industry is committed to respond to these challenges, and I see a bright future ahead for us,” Brinson said. GBA President and CEO Joe Brannen also attended.


Georgia Supreme Court Issues Important Decision On Bank Director Liability

Can a bank director be legally liable for ordinary negligence in a lawsuit brought by the FDIC as receiver for the bank?  The Georgia Supreme Court recently held in FDIC v. Loudermilk that the answer is, not surprisingly, “sometimes.”  But the Court’s unanimous decision actually brings a lot of needed clarity to the law in this area. Read more analysis of this important decision...


Leadership Conference Convenes Sunday

Georgia’s emerging bank leaders will gather Sunday for the GBA Leadership Conference. We’ve got a strong crowd attending, and they’ll be treated to an agenda jam-packed with the latest industry trends, networking and fun. Look for coverage of the meeting in next week’s Bulletin and GBA’s Twitter feed, @GABankers, and our Facebook page. The conference is sponsored and organized by GBA's Leadership GBA Executive Committee led this year by Walker Jordan, Senior Vice President of the Bank of Monticello. With questions about the Leadership Conference or Leadership GBA in general, please contact GBA’s Susie McGehee at 404.420.2010.


Town Hall About TruPS and Bankruptcy Aug. 6

Members with Trust Preferred Securities (TruPS) shouldn't miss the upcoming town hall meeting Aug. 6 in Macon to discuss TruPS, deferred dividends and bankruptcy issues that have developed. The issue has become a hot topic in the industry. Come find out what GBA’s outside counsel, Walt Moeling of the Bryan Cave law firm, and his colleagues have learned about the issues related to what some of our banks are facing. We'll also get the regulators’ and investment bankers’ take on it, and have an open dialogue to determine the options available going forward. Read more about the TruPS Town Hall and register here...


Director Certificate of Completion Available

Bank Directors & Executive Management Conference - Aug. 27

Providing annual training for directors is always an important part of a bank's ongoing responsibilities. We've worked with Karl Nelson, CEO, KPN Consulting to develop a full-day session that is low-cost and comprehensive way to provide your directors with education on key banking topics, and we will provide Certificates of Completion for those in attendance. Find out more and register...


Advocacy Update

Bankers Respond to Grassroots Support of Portfolio Lending Bill

We appreciate member efforts in the past week to support H.R. 2673 by Rep. Andy Barr from Kentucky, which says that if a bank makes a residential real estate loan and retains the loan in the bank's portfolio, the loan would meet the Ability-to-Repay standards and receive Qualified Mortgage treatment by regulators. If you haven’t done so, please take a moment to send a similar letter, and be sure to specify the bill you’re supporting. A groundswell of encouragement from bankers could help push the portfolio lending bill to a floor vote. Access an easy-to-use letter submission system and see a sample letter from Colony Bank CEO Ed Loomis...


GBA Summer Advocacy Checklist

Here’s a quick list of ways you can be a strong advocate for the industry this summer.

  • Vote – The runoff election is Tuesday, July 22.

  • Meet – Schedule a meeting with your U.S. Senator or Representative during the August recess. We’ll be glad to help you do so. Contact Elizabeth Chandler at 404.420.2027.

  • Speak up – Take advantage of resources available to all bankers, such as ABA’s, to support good legislation or oppose bad legislation.

  • Contribute – Make a contribution from your bank or you to our GBA StatePAC or FedPAC (more below).

  • Connect to the community – Schedule a financial literacy or banking-related talk to a community group or group of students.

With questions about GBA’s advocacy efforts or specific issues, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.


2014 BankPAC Campaign – Have You Participated?

"As we all know, political campaigns seem to require more money than ever for good people to get elected” said Pait Willis, president and CEO of South Georgia Banking Company in Tifton and vice-chair of the BankPAC Board of Directors. “And, the political interests of Georgia’s banking industry are greater than I can ever remember. Therefore, as individuals that are responsible for our own organization’s performance, we must recognize that we have to support candidates that support our need for a less regulated, yet competitive marketplace. We must not continue to wait for our fellow bankers across the state to carry the financial need for our BankPAC," he added. See who contributed this week...



Modest Expansion Noted in Southeast

Retail, hospitality and home prices in the Southeast showed good growth in June and early July, said the Federal Reserve’s Beige Book this week. The report characterized economic activity as expanding modestly, with contacts anticipating higher growth soon. Read more here.


Second Marketing Peer Group Scheduled for Sept. 9 in Macon

Following the success of GBA’s inaugural Marketing Peer Group in May in Marietta, the GBA Marketing Committee will host a second peer group, centrally located in Macon Sept. 9. All GBA member Marketing Officers are invited for a day of in-depth, hands-on sessions from a variety of experts and industry leaders. We'll discuss tools of the trade, website analytics, what's working in Social Media around Georgia and more. The registration price is just $99 and includes sessions, lunch, and peer group materials. Click here to see the complete agenda and to register!


Compliance Conference Sept. 24-26

Tackling UDAAP and Compliant Management Session Set

With a renewed focus on Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) and Complaint Management, examiners are taking a closer look into the products and services that banks are offering in order to analyze the overall impact to the customer. At the 2014 GBA Compliance Conference, Sept. 24-26 in Macon, Blair Rugh, Chief Compliance Advisor for Tri-Comply in Orlando, will teach you how to identify the pitfalls and mitigate the risks associated with UDAAP. Click here to view the complete registration brochure or to register.


Sizzling Summer and Fall Seminars

If you have any questions about these or other GBA Seminars, please contact GBA’s Danielle Driggers, 404.420.2002.

Sixth Consecutive Quarter of Stock Market Gains

The broad U.S. stock market posted its sixth straight quarter of gains as of the end of second quarter. The Standard’s & Poor’s 500 index had total gains of 5.23 percent, bringing its year-to-date results to 7.14 percent. The technology-based Nasdaq composite also had a bullish quarter, up 5.31 percent in total returns, bringing the 2014 gain up to 6.18 percent. The Dow Jones Industrial average, however, lagged by gaining only 2.83 percent in the quarter. For the year, the Dow is up just 2.68 percent due to losses in its highest priced stocks. Equity markets chugged higher in second quarter, with the S&P posting 16 record highs amid very low volatility. More market analysis here from GBA Retirement Services...


Key GBA Event Reminders

Compliance Conference

Sept. 24 - 26

Click here to register

President/CEO Conference

Oct. 12 - 14

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Bank Counsel Conference

Oct. 12 - 14

Click here to register

Bank Accountant Conference

Oct. 12 - 14

Click here to register


GBA Community Connections

Houses, Libraries and Financial Literacy Boosted by Member Activities 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.



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


Melissa Simmons




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.




TruPS Town Hall
Aug. 6


Bank Director and Executive Management Conference
Aug. 27

Compliance Conference
Sept. 24 - 26

President/CEO Conference
Oct. 12 - 14

Bank Counsel Conference
Oct. 12 - 14

Bank Accountant Conference
Oct. 12 - 14


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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