Georgia Bankers Association - The Resource that Empowers

March 14, 2014


Manage Your Talent Wisely, Build Bench Strength and Recruit the Best

With a powerful Talent Search in addition to Talent Review and Bench Strength Analysis functionality, TQ Succession offers a comprehensive succession planning solution. Click here for an overview of the module to learn more. TalentQuest's programs were developed to provide GBA-member banks with selection, measurement and development standards for key positions within a community bank. TalentQuest is a GBA Strategic Partner.

GBA-Endorsed Vendor Risk Management Product Eliminates Stress

VendorPoint® by Fortrex Technologies, is the market’s first automated, turnkey vendor risk management solution. This cost-effective online service enables banks of any size to identify, measure, monitor and manage third-party risk based on FFIEC guidelines and design criteria established by leading financial services institutions. The system eliminates the stress, expense and complexity financial institutions face when meeting regulatory requirements. Click here to learn more...


Job Bank
Find a job, post a job


More GBA Products and Services

Like GBA on Facebook

Connect with GBA on LinkedIn

Follow GBA on Twitter

BANKSTAT Management Reporting and Analysis Reports

Retirement, Pension and
401(k) Plans

Georgia Financial Directory

Thumbprint Signature Program

Pledging Pool



GBA Priority Bills Await Governor’s Signature

Both of GBA’s priority bills have been passed by the Georgia General Assembly and are on the way to Governor Deal for signature. The "Fees are Not Interest" bill, H.B. 824, by Rep. Richard Smith (R-Columbus) confirms and clarifies that overdraft and other common bank fees should not be considered interest. The bill passed the House unanimously and passed the Senate with only five negative votes. GBA's other priority bill, H.B. 809 by Rep. Bruce Williamson (R-Monroe), is commonly referred to as the "Patent Troll" bill. The bill adds bad-faith assertions of patent infringement to the list of violations of the Georgia Fair Business Practices Act. The bill passed the House with only one negative vote and passed the Senate with only four negative votes. Get all the details in our weekly Legislative Update.


Action Alert

Reminder: Sub S Banks Urged to Comment
on Capital Solution

The Basel III capital rules require a capital conservation buffer that could cause a tax liability for Subchapter S bank shareholders. The conservation buffer rule prevents banks from making distributions to shareholders when capital falls below a certain level. Because federal tax liability passes through a Sub S bank to individual shareholders, this rule may cause Sub S shareholders to face a tax liability even when they did not receive a distribution. Bankers at each of Georgia’s 61 Sub S banks are encouraged to join GBA and ABA in urging regulators to allow Sub S banks to make distributions equal to the taxes due on the bank's undistributed income, which would eliminate the disadvantage. Link to resources and a sample letter...


Annual Meeting Session Spotlight

Dr. Tim Koch to Address Community Banking From Crisis to Prosperity

Today's economic and regulatory environment makes it an absolute necessity that bank officers, directors and managers follow core strategies to grow their banks while appropriately managing risks. Join Dr. Tim Koch, Finance Department Chair, Moore School of Business, University of South Carolina, Columbia, during one of the highlight sessions of GBA’s 2014 Annual Meeting June 15-18 at The Greenbrier in White Sulphur Springs, WV. Get more details here...


Senate GSE Reform Plan Announced

The Senate Banking Committee has come to an agreement on a significant bipartisan plan for housing finance reform, said Senate Banking Committee Chairman Tim Johnson (D-S.D.) and Ranking Member Mike Crapo (R-Idaho) this week. The bill, which is being drafted, would wind down Fannie Mae and Freddie Mac and create a new Federal Mortgage Insurance Corporation that would be funded by participating lender fees. More about the GSE reform proposal...


FHA Loan Limit Bill Introduced

A bipartisan bill introduced in the U.S. House would address the effects of lower Federal Housing Administration loan limits that took effect Jan. 1. In Georgia, the new limits are lower in 32 counties this year. The bill, H.R. 4208 by Rep. Gary Miller (R-Calif.), would address this by requiring FHA loan limit calculations to use a Median Home Price at least as great as was used to calculate the limit in 2013. It also would allow HUD to subdivide and adjust loan limits for different real estate markets within the same county. Get more details here...


New!  Northwest Georgia Community Bank
Symposium – April 23

Attention Northwest Georgia community bankers! The Georgia Bankers Association along with Berry College Campbell School of Business will host its inaugural Northwest Georgia Community Bank Symposium. This event will be April 23 on the Berry College campus in Rome. The agenda will feature industry experts who will focus on the many issues facing the banking industry today. Register today!


Southern Farm Banks Increased Loans in 2013

The 224 farm banks in the South region increased farm loans by 6.5 percent, $399 million, in 2013. Farm loans in the region were $6.6 billion in 2013, said the ABA’s annual Farm Bank Performance Report. Agricultural production loans increased 11.4 percent from a year ago, to $1.7 billion, while farmland loans rose by 4.8 percent to $4.8 billion. Get more farm bank stats here...


State Unemployment Down for Seventh Straight Month

The Georgia Department of Labor said late last week that Georgia’s unemployment rate dropped to 7.3 percent in January. That’s down slightly from December but down a full 1.3 percentage points from last January’s 8.3 percent. January was the seventh consecutive month of declines in the statewide unemployment rate.


GBA Senior Lending Officer Roundtables Meet

The second round of GBA Senior Lending Officer meetings took place last week. Group 1 met in Macon while groups 2 and 3 met in Atlanta. The Senior Lending Officer Roundtables were established in response to many requests received from bankers across Georgia. The Roundtables are for Senior Lenders as well as Chief Credit Officers and Credit Analysts and are sponsored by the GBA Credit Committee. Read what participants are saying about the roundtables...


Great Seminars Next Week Last Chance to Register

You can still sign up for these two outstanding seminars next week.

Rising Interest Rates to be Discussed at Southeast Georgia  Bank Symposium April 3

As uncertainty continues to persist in the financial markets, one thing remains certain: interest rates will eventually rise. When they do, how will you manage the interest rate risk? Join Omar Esposito of the Federal Home Loan Bank Atlanta in a discussion about how you can effectively manage interest rate risk during GBA’s Southeast Georgia Community Bank Symposium April 3 at Forest Heights Country Club in Statesboro. More details here...


GBA 2014 Bank Security Conference - April 10-11, Savannah
The ‘New’ Bank Robbery: Electronic Fraud,
Trends and Controls

At GBA’s 2014 Bank Security Conference, April 10-11 in Savannah, Kathy Druckenmiller, Fraud Manager at State Bank & Trust in Atlanta, will review fraud trends in the banking industry. Find out more about the other great sessions and Register here...


Safety and Soundness Seminar Scheduled for May 1

Karl Nelson and Eric Nelson of KPN Consulting will lead this new seminar. The sessions will feature a panel of regulators comprised of representatives from the Federal Reserve Bank, the OCC, the FDIC, and the Georgia Department of Banking and Finance. The panel will address each of the CAMELS issues. This seminar will be held at the Georgian Club in Atlanta on May 1. Please click here to find out more information. If you have any questions, please contact GBA’s Danielle Driggers at 404.420.2002.


Marketing Peer Group to Meet May 20

Join GBA member Marketing officers for a day of informational sessions from a variety of experts and an extended peer exchange session at the new GBA Marketing Peer Group meeting May 20, hosted at First Landmark Bank in Marietta. The final agenda is in development and expert presenters will be announced, but topics will include coverage of new marketing channels, peer exchange and business-to-business marketing ideas. The meeting is from 10 a.m. to 3 p.m. This is one of two GBA Marketing Peer Group meetings that the GBA Marketing Committee will organize in 2014. A second session with a similar agenda will be held in the fall, most likely in Macon. Marketing professionals can attend either or both. The price is $99. Register here. With questions or to get more information, please contact GBA’s Kathy Friestad at 404.420.2024.


Key GBA Event Reminders

Southeastern Community Bank Symposium

April 3

Click here to register

Bank Security Conference

April 10-11

Click here to register

Northwest 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


2014 Annual Meeting

June 15 - 18

Click here to register


GBA Community Connections

Reading Programs, Scholarships and March-themed Fundraisers Take Center Stage for Georgia Banks

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.




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.



IRA Basics
March 19

Information Security Officer Seminar
March 20

Compliance Peer Group
March 25

Southeast Community Bank Symposium
April 3

Bank Security Conference
April 10 - 11

Deposit and Operations Compliance Seminar
April 15

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

Northwest 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


AIB Courses

Compliance Calendar

Lending Calendar

Ops/Tech Calendar

HR Calendar

Asset/Liability Calendar

Management Calendar

Security Calendar

Full GBA-U Calendar

50 Hurt Plaza, Suite 1050 | Atlanta, Georgia 30303 | Telephone: 404.522.1501