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. When liens are
released, a paper title is mailed to the owner (or
by the appropriate titling agency. Premier eTitleLien™ provides
a number of additional services, including: electronic request
for a paper title,
electronic generation of title application forms, Lien Alert
Processing, VIN verification, and VIN valuation.
DDI is now also offering volume
discounts on pricing. For volumes over 10 titles per month, the
per-unit price drops significantly. And now, there is no
software to install, nothing to purchase and no support charges
or training fees. For more information, please contact DDI's
Jimmy Earley at 803.808.0117.
About the Benefits of Bank Owned Life Insurance (BOLI) Programs
Specialists, LLC (EBS)
to consider a
Contact EBS today to find out more about their BOLI programs...
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BANKSTAT Management Reporting and Analysis
Retirement, Pension and
Georgia Financial Directory
Thumbprint Signature Program
Conference Energizes Attendees,
Emerging leaders in the banking industry met at Ponte Vedra, FL,
this week for Leadership GBA's annual Leadership Conference.
this year's Leadership Conference Parrish Clark,
executive vice president, Guardian Bank, Valdosta, was
installed as the 2014-2015 Leadership GBA President. Joining Clark
as officers this year are Susan Keigans, executive vice
president, Planters and Citizens Bank, Camilla, as President-Elect;
and Doug Strange, senior vice president, Ameris Bank, Moultrie, as
See scenes from the Conference, read a summary of
the sessions and learn which people and banks received
Financial Literacy Excellence Awards...
Officer Roundtables Registration is Underway
you would like to join one of the three GBA Senior Lending Officer
click here to download the flyer / registration form.
These roundtables have just completed a successful first full year,
so spots will be at a premium. All
three roundtables are facilitated by Paul Sims, president of
Guided Solutions, Franklin, TN. The roundtables provide an
in-depth look at all the latest issues a senior lending officer
needs to understand to cultivate new business, evaluate risk and
strongly support profitability. Roundtables meet three times a year
and are limited to 15 members per group.
Locations and dates are as
Bank Directors &
Executive Management Conference - Aug. 27
Bank Directors' responsibilities and
liabilities have greatly expanded during the past few years as we
suffered through our second banking crisis in modern times. That
crisis, coupled with an unprecedented interest rate environment
continues to challenge our industry. The new Bank Directors &
Executive Management Conference is designed to examine issues that
are high priorities for regulators and bank executives, and our
focus is on information that will help directors understand their
critical role and also provide guidance about how we might achieve
success in the coming years. This conference is designed for
directors, CEOs, CFOs, and executive management of community banks
of all sizes.
Click here to learn more and register...
Georgia 13th for
Financial Institution SAR Filings
The Financial Crimes Enforcement Network
(FinCEN) has published a new report called
SAR Stats. The publication outlines trending
activities reported in suspicious activity reports (SARs) by banks
and other institutions. From March 1, 2012, to Dec. 31, 2013,
depository institutions in Georgia filed
21,004 SARs, which was 13th
most among states and territories reporting. Nationally, auto loan
fraud, tax fraud and prepaid card fraud were among the most
prominent triggers for filings. The report doesn't break down
filing-type trends by state or geography. GBA University has a
BSA / AML Seminar coming up Aug. 6 that will include information
Bank Secrecy Act session is among many at GBA Compliance Conference
More details about that below...
Insurance Refunds to Flow Oct. 1
Almost 14 percent of those with national
flood insurance policies will be getting refund checks beginning
Oct. 1. The refunds stem from the Homeowner Flood Insurance
Affordability Act that repealed and modified provisions of the
Biggert-Waters flood insurance law that significantly raised flood
insurance premiums for many policyholders.
FEMA's website has information about the refunds, and a thorough
two-page guide about who will get refunds and who will not.
Read more here from the New Orleans Times-Picayune.
Flood Insurance and Other News from D.C. Scheduled
Day 2 of GBA's Compliance Conference will feature sessions about flood insurance and news from
Washington, D.C. On Thursday, Sept. 24, conference attendees will
hear from Virginia O'Neill, Vice President and Assistance
Chief Compliance Counsel at ABA. O'Neill will focus on the CFPB and
other consumer compliance issues on which regulators are focusing. Attendees will also get a refresher on
flood rules from Brad Washburn, Financial Institution
Specialist with Steve H. Powell and Company. Washburn will also
explain how your bank will be affected by the changes brought about
by the Homeowner Flood Insurance Affordability Act and the Biggert-Walters Flood Insurance Reform Act. The
GBA Compliance Conference is Sept. 24-26 at Idle Hour Country Club in
Macon. Remember, registrants may choose to register for the full
conference, Day 1 only (compliance risk management), or Days 2 and 3
to see the agenda or to register...
Ranks Sixth for Minority Financial Institutions
The FDIC this week published a study of
minority depository institutions (MDIs) and
FDIC-insured community development
financial institutions. Georgia ranks sixth nationally in its number
of MDIs, with 10 institutions and 41 offices. MDIs carry a
number of different minority designations, with half of MDIs
designated as Asian or Pacific Islander American, followed by MDIs
that are Hispanic American, African American and Native American.
MDIs were noted for having particular success in reaching
underserved customers, and MDIs are
similar to other community banks in terms of net interest income and
noninterest income but face higher problem loan and overhead
the report said...
Regulatory Burden "Avalanche"
This week marked the fourth anniversary
of the Dodd-Frank Act. Take a look at a new infographic from ABA
about the volume of new requirements, the cost in dollars and
resources to banks and curtailment of services to communities. For
example, one chart shows that banks spend 204 hours on
ability-to-repay and qualified mortgage standards. Another shows how
27 percent of banks decided not to launch a new product, delivery
channel, or enter a new market due to expected increased regulatory
Access the infographic here...
Georgia Bankers Stepping Up
CEOs of Georgia banks think strategically about leading their
institution toward its goals, participation at the bank level and
of the officers and directors in the Georgia BankPAC Campaign should
be an action item. Enabling the GBA to continue to represent the
banking industry before elected officials should be a fundamental
practice for all banks in Georgia, and now is the time to respond to
the 2014 BankPAC solicitation.
Thanks to those who have already
made their contributions including these companies that contributed
to the GBA BankPAC...
Retirement Plans Announce Second Quarter 2014 Investment Results
Though first quarter
was a weak and volatile period in the overall stock market, second
quarter had an improvement in returns, and experienced the sixth
consecutive quarter of gains in the overall market. For GBA
Retirement plan participants, the investment returns of
Reliance Trust Company, performed well against major
market indexes and other competitive funds and models.
Please refer to the most recent update for detailed returns on
the LifeStylesSM models and
individual mutual funds offered. The LifeStylesSM
portfolios are a great way to ensure participants are well
diversified and to allow participants to make investment decisions
in a simplified way. Returns for the
models ranged from 1.89 percent to 4.47 percent year-to-date
depending on the model's investment style.
More about GBA Retirement Services here...
Resource for Struggling
If your bank has mortgage borrowers who
are struggling with their loans, one resource available to them is
HomeSafe Georgia. Operated by the Georgia Department of Community
Georgia is a federally funded, state-operated mortgage assistance
program that helps homeowners avoid foreclosure. The program has
helped more than 5,300 Georgia homeowners in 124
counties stay in their homes.
There are a variety of components and
eligibility for borrowers...
Preferred Securities and Bankruptcy Town Hall
Session Scheduled Aug. 6
Register now for our TruPS
Town Hall meeting Aug. 6. A number of bank holding companies are
dealing with the issue of paying dividends on Trust Preferred
Securities (TruPS) they'd deferred during the economic downturn.
During the past five years or so the
dividends have been accruing on the TruPS and the deferral period is
coming to an end. Fitch estimates
that there is $2.6 Billion of TruPS that will run out of their
deferral period over the next several years. In two recent
instances, one of which is in Georgia, creditors have filed
involuntary bankruptcy cases against bank holding companies from
which they are trying to collect dividends. The issue has become a
hot topic in the industry. Come meet with bankers, attorneys,
accountants and others dealing with these issues to get the latest
and share ideas.
Act: Basic Compliance for Bank Employees Aug. 21
is a focus for bank examiners, who expect that all bank
employees, particularly frontline personnel, are well-trained at
least annually on the various reporting and recordkeeping
requirements for BSA, CIP and OFAC. GBA is aware of the need for
this training and has set up a helpful resource for you and
your bank. Take advantage of this seminar Aug. 21 at the Idle Hour
Country Club in Macon.
This seminar will address the fundamental BSA
reporting and recording requirements, including the following
GBA Marketing Peer Meeting Group
How to Modernize Your
Marketing Plan - Sept. 9
time to take a fresh look at the most important tool of the
your marketing plan. At our Marketing Peer Group meeting in Macon
Sept. 9, you'll get a starter kit to take back to the bank for
modernizing your marketing plan from Charles Jordan of the
Charles Jordan Group. Jordan will share the key questions you and
your management should be answering and share a guide for how those
answers can drive a modernized plan and change how you view
traditional marketing. And, he'll facilitate discussion of a variety
of the tools of the trade you are using or have questions about
based on the principles he'll outline and samples you provide.
Register today and get more details here...
We Will Miss David Williams
GBA communications director David Williams passed
away this week after a valiant struggle with ALS. David joined GBA
in 1985 after working a number of years for then-U.S. Sen. Sam
Nunn. One of the key legislative initiatives David worked on
during his 10 years at GBA was to create the Georgia Superior Court
Clerks Cooperative Authority. The governor appointed a number of
local clerks and bankers to the organizing authority board, and they
turned to David to join the Authority as its first executive
director. David ably oversaw the complicated software necessary to
maintain the traditional local filing with a statewide database for
real estate records. The system became a model for other states to
follow. David is survived by his wife Sally and children Cameron and
Jackson. Services will be at 3 p.m. Saturday at Simpsonwood United
Methodist Church, 4500 Jones Bridge Circle, Norcross, GA 30092.
David is at the far left in the above photo with Gov. Nathan Deal and
members of the authority in a 2012 bill signing related to the
National Props for Member Community Efforts and Helping Savannah
Click here to read about
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
Read about all the Georgia Bankers making news this week...
Mike Durden was presented his
plaque by GBA President and CEO Joe Brannen at
the bank's Milan branch.
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
Bank Director and Executive Management Conference
Marketing Peer Group
Sept. 24 - 26
Oct. 12 - 14
Bank Counsel Conference
Oct. 12 - 14
Bank Accountant Conference
Oct. 12 - 14
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