October 7, 2016         

Hurricane Alert and Resources

Our thoughts, prayers and well wishes are with Georgia’s bankers, their families and the communities that may be affected in the coming days by Hurricane Matthew. We know banks serving coastal Georgia are in full preparation mode and are making sure their business continuity and disaster recovery plans are in good shape. Gov. Deal Thursday morning ordered mandatory evacuation east of I-95 for six coastal counties including Bryan, Chatham, Liberty, McIntosh, Glynn and Camden. The OCC has issued a proclamation allowing OCC-regulated banks and federal savings associations affected by the storm to close at their discretion. The CFPB has a pretty good online consumer guide about rebuilding finances after a natural disaster you may want to have handy as a resource to share with customers after the storm. We ask that bank members and Associate Members let us know if we can be a resource or pass on resources to help banks and their communities once the storm passes. Contact Joe Brannen, 404.420.2026, or David Oliver, 404.420.2036, with information and resources to share.

Text Message Scam Hits Americus Area

Many mobile phone users in Crisp and Sumter counties this week got a fraudulent text message “alert” claiming to be from The Citizens Bank of Americus. The text directed them to call a specific phone number. When called, a message at the phone number said the person’s debit card had been locked and asked them to provide debit card numbers and other identifying information. Bank data systems were not compromised and the bank’s information was not the source of the phone numbers targeted. The bogus alert went to people who are bank customers as well as those who have no relationship with the bank. Unfortunately, the scam tricked a number of the bank’s customers and created significant concern among many others. The bank quickly cancelled cards it knew were affected to minimize loss, but some fraud did occur. Customers are not responsible for fraudulent charges. The bank is working with law enforcement on the case. GBA Security Committee Chair Ricky Robertson, Atlantic Capital Bank, says this type of scam has been seen in other parts of Georgia in recent years. Bankers should be alert to the possibility of similar scams, and key tips for banks to communicate to customers are...

GBA Member Profile

Hardware Job as a Teen Helped Leadership GBA President Learn to Connect with Customers

Durden Banking Company’s Wade Johnson worked in a hardware store as a teen, and he says that experience in customer service was instrumental to his development into a leader at the bank, in his community and for the GBA. Johnson is the president of the Leadership GBA Executive Committee. He shared some other thoughts with us this week including reasons to participate in the upcoming Georgia BankPAC Golf Classic Oct. 17 in Macon. Read more about Johnson’s 14-year banking career in this week’s GBA member profile on our website...

Marketing Peer Group - Nov. 15

Cybersecurity Breach Response - Crisis Communication Planning & Management

At the next GBA Marketing Peer Group meeting Nov. 15 in Macon, one session will cover important considerations when preparing a crisis plan before a breach occurs and offer best practices in developing a public relations response once an institution has been breached. We will also explore what an institution should do following a cyber-attack to maintain customer confidence. Join Sharon Cook, chief marketing officer at the Federal Home Loan Bank of Atlanta, as she shares tips for protecting one of your institution’s most valuable assets - its reputation - before, during and after a cybersecurity breach. Click here to see the complete agenda and register online today...

Statewide Deposits Jump 16 Percent

In-state deposits at the 237 FDIC-insured institutions doing business in Georgia grew by $34.8 billion dollars from the end of June 2015 to the end of June this year, reaching $248.1 billion. That’s a 16.3 percent increase in the Georgia deposit market. The FDIC’s annual summary of deposits update released last week also shows a significant new entrant in the deposit share rankings. Synchrony Bank of Utah booked $22 billion of its credit-card-portfolio-related deposits in Georgia this year, giving it the fourth-highest deposit market share of 9.15 percent. Others in the top five for market share were...

Tri-Conferences Deliver Heavy Content

Georgia’s bank presidents and CEOs, banking attorneys and bank accountants gathered this week for a triple dose of the latest industry trends during their annual concurrent conferences. The general themes throughout the sessions were how to plan for and achieve growth, competing for a new generation of customers and employees and navigating the litany of regulatory, legal and accounting challenges for banks. Thanks to the Federal Home Loan Bank of Atlanta, ServisFirst Bank and Synovus Correspondent Banking for their sponsorships of events. Click here for a quick rundown of Tri-Conference highlights…

Welcome New Associate Members

GBA’s board of directors this week approved the following new companies for Associate Membership. Please get to know these new organizations and thank them for their support of GBA:

Insights from CSBS Community Banking Survey

The latest survey results on Community Banking in the 21st Century are available from the Conference of State Bank Supervisors (CSBS). It notes some interesting trends and includes Georgia-specific feedback. Overall the results note that small business loans for community banks are up and comprise 17 percent of all loans. About 80 percent of loans community banks make are to existing customers, mortgage lending was up but there are banks exiting the mortgage business, and mobile and remote banking preference and acceptance continues to grow. Click here for more details from the CSBS survey…

2016 BankPAC Campaign Update

The GBA BankPAC campaign is inching toward its goals for both the StatePAC and the FedPAC and now is the time to make your contributions if you haven’t done so. The GBA StatePAC and GBA FedPAC contribution forms as well as the payroll deduction form for the GBA FedPAC provide easy guidelines for making contributions. We also invite GBA Associate Members and Bank Counsel Section members to join in our political efforts by contributing to the GBA StatePAC. There are two ways to do this: by participating in the Georgia BankPAC Classic on Oct. 17 or by contributing directly to the fund. Thanks to the officers, directors and eligible employees of the following banks for contributing to the GBA BankPAC this week...

Bank Directors and Executive Management Conference - Oct. 26

What Your Board Needs to Know About Asset / Liability Management

Examiners expect your board members to know more and more about ALM. Drawing upon field experience with banks across the United States, former OCC examiners will share what they see as the top concerns examiners are raising on ALM exams during GBA’s Bank Directors and Executive Management Workshop Oct. 26 at Idle Hour Country Club in Macon. Presented in partnership with KPN Consulting, this workshop is designed to examine issues that are high on the radar for regulators and banking executives, aid inside and outside directors in their understanding of their critical role and provide guidance on how to achieve success in the coming years. Register by Oct. 18 for the early-bird price of $225 per person. Registrations received after Oct. 18 will be $250 per person. Click here to register online. Please contact GBA's Katina Prokos at 404.420.2021 with questions.

FDIC Consumer Protection Workshop - Nov. 2-3

Get information on current topics of interest and enhance your knowledge of consumer protection laws and regulations during the fourth installment of the FDIC Consumer Protection Workshop series Nov. 2-3 at the FDIC’s Atlanta training facilities. GBA and CBA are partnering with the FDIC Atlanta Regional Office to offer this interactive 1.5-day event. FDIC presenters and participants will include regional and local managers, regional specialists and review examiners and senior compliance examiners. The agenda is a mix of in-depth, regulation-specific topics as well as broad compliance management system aspects. Regulatory areas of discussion include...

Regulators Issue Final Labor Rules with Significant Changes

GBA Strategic Partner Employment Law Compliance (ELC) this week provided us with news that federal employment regulators recently issued final labor regulations defining the new EEO-1 reporting obligation. The changes are significant. First, for community banks with 50 or more employees, the report will be due on or before March 31 of each year, instead of the current Sept. 30 deadline. So, the report for 2017 will be due on or before March 31, 2018. The cycle for completing the EEO-1 Report is moving from the end of September to the end of March, starting with next year’s report. See a detailed summary of the changes, a sample of the new reporting format and helpful FAQs submitted to us by ELC's Steve Greene. Please contact Greene with questions at 866.801.6302.

TalentQuest Announces TQ3

GBA Strategic Partner TalentQuest is changing the way managers approach Talent Management. With the release of TQ3, the latest version of TalentQuest’s talent management software suite, managers are able to easily understand the strengths of their people, to identify development opportunities and to engage the workforce. The easy and compelling means of accomplishing these critical objectives are receiving rave reviews already. TQ3 provides intuitive navigation, beautiful aesthetics and software features that include...

New GBA Advertising Program

We’ve got some new advertising opportunities for Associate Members that can help put your business, brand, products and services in front of more GBA member bankers than ever before. Here’s how...

Financial Risk Management Conference (Nov. 16-17)

GBA Associate Members Exceed Expectations with Support of Annual Conference

GBA’s Associate Members have gone above and beyond in their support of this year’s Financial Risk Management Conference, with nine members backing the event. The conference is sponsored each fall by GBA’s Asset Liability Committee and draws about 100 CFOs, controllers, finance officers and others dealing with financial risk management issues on a daily basis. A big shout-out to this year’s sponsors: Carr Riggs, & Ingram, CenterState Bank, Deluxe-Banker’s Dashboard, Federal Home Loan Bank of Atlanta, Fifth Third Securities, First National Bankers Bank, Raymond James, ServisFirst Bank and SunTrust Robinson Humphrey. The conference is coming up Nov. 16-17 at the Atlanta Marriott Northwest Hotel. CPE credit will be applied for. GBA has negotiated a nightly hotel rate of $159. Click here to see the brochure or to register online. Questions? Contact GBA’s Kathy Friestad at 404.420.2024.

Credit Conference (Dec. 15-16)

Detailed Agenda Now Available; Shows Exceptional Slate of Speakers & Sessions

GBA’s Credit Committee has put together an outstanding program for this year’s Credit Conference and they are excited to share the particulars with you. Click here to take a look at the agenda. In each edition of upcoming GBA E-bulletins, we’ll highlight conference sessions and speakers. One topic that continues to be hot is alternative marketplace lenders, which remain a factor in the small business and consumer lending space. How do Georgia community banks use their strengths to step up the competition? Steve DuPerrieu, vice president of Channels and Analytics for CSI (Computer Services, Inc.) will be on hand to discuss this topic. Click here to learn more about DuPerrieu and register for the Credit Conference today...

GBA-U Webinars

10 Trends to Watch, Branch Leadership, Commercial Lending Compliance, More

A GBA Webinar is a great way to quickly get the training you need without travel or time out of the bank. Webinars are live and allow time for questions and answers. The $265 registration price gives you access to one web site "seat," one telephone site license and all handout materials. If you can't attend the webinar, you may buy the audio CD, handout materials and a password to see the session online. With questions, please contact GBA's Katina Prokos at 404.420.2021. Here is a sample of upcoming offerings. Check the GBA-U Calendar of Events at www.gabankers.com for more details.

The GBA Job Bank Gets Results

The GBA Job Bank is among the most popular and valuable benefits we provide to member banks and bankers. The Positions Available and Bankers Available sections on our website consistently are among the most visited pages. Best of all, the service costs nothing for member banks and bankers. To make the process of posting a job or resume easier and to answer any questions you may have, we've developed this Q & A document as a resource. It outlines how to submit open positions and resumes, our deadlines and timelines for posting, and other helpful details. If you have any questions, please contact GBA’s Bo Brannen at 404.420.2014.

GBA Community Connections

We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Bo Brannen and David Oliver. Here's our latest installment...
First Bank
Greater Community Bank
Ameris Bank
United National Bank

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.