Georgia Bankers Association - The Resource that Empowers

July 25, 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. When liens are released, a paper title is mailed to the owner (or designated name/address) 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.

Learn About the Benefits of Bank Owned Life Insurance (BOLI) Programs from EBS

Executive Benefit Specialists, LLC (EBS) specializes in the placement and service of Bank Owned Life Insurance (BOLI) programs. These programs utilize BOLI to finance existing employee benefits, as well as to informally fund new or existing nonqualified executive benefit plans. EBS offers implementation and plan design services as well as administrative services. If you have BOLI now and need or want to consider a new service provider, EBS can assist you with compliance and reports essential for your bank, board and regulators. Contact EBS today to find out more about their BOLI programs...

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Leadership Conference Energizes Attendees, Officers Installed

Emerging leaders in the banking industry met at Ponte Vedra, FL, this week for Leadership GBA's annual Leadership Conference. At 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 Vice President. See scenes from the Conference, read a summary of the sessions and learn which people and banks received Financial Literacy Excellence Awards...






Senior Lending Officer Roundtables Registration is Underway

If you would like to join one of the three GBA Senior Lending Officer Roundtables, 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 follows...


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 about SARs...


Related: Bank Secrecy Act session is among many at GBA Compliance Conference Sept. 24-26. More details about that below...


Flood 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.


Compliance Conference Sept. 24-26

Updates about 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 only (loans). Click here to see the agenda or to register...


Georgia 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 expenses, the report said...


Snapshot of 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 costs/risks. Access the infographic here...


Georgia Bankers Stepping Up

As 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...


GBA 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 LifeStylesSM 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...


Homeownership Resource for Struggling Borrowers

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 Affairs, HomeSafe 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...


Trust 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.


Bank Secrecy Act: Basic Compliance for Bank Employees Aug. 21

BSA compliance 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 topics...


GBA Marketing Peer Meeting Group

How to Modernize Your Marketing Plan - Sept. 9

It's time to take a fresh look at the most important tool of the marketing trade, 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

Former 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 authority.


Key GBA Event Reminders

Compliance Conference

Sept. 24 - 26

Click here to register

President/CEO Conference

Oct. 12 - 14

Click here to register

Bank Counsel Conference

Oct. 12 - 14

Click here to register

Bank Accountant Conference

Oct. 12 - 14

Click here to register


GBA Community Connections

National Props for Member Community Efforts and Helping Savannah Homeowners

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...


Mike Durden was presented his
board plaque by GBA President and CEO Joe Brannen at the bank's Milan branch.


Mixon Dunlap


Curry Lambright

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

Marketing Peer Group

Sept. 9


Compliance Conference
Sept. 24 - 26

President/CEO Conference
Oct. 12 - 14

Bank Counsel Conference
Oct. 12 - 14

Bank Accountant Conference
Oct. 12 - 14


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