September 19, 2014

GBA Provides Banking Updates to Three Communities this Week

It was a busy week for our advocacy efforts to tell communities about the improved business climate for banks. GBA president and CEO Joe Brannen spoke to three civic clubs this week. Monday, he was at the Swainsboro Rotary Club as a guest of Wade Johnson, Durden Banking Company. “It was also a special day for Wade because the club recognized him for being their Rotarian of the year, so it was a treat to be there for that,” Brannen said. “The award is a prime example of how GBA member bankers are leaders in their hometowns.” Tuesday, Brannen spoke to the Exchange Club in Dublin at the request of Lucas Cowart, Morris Bank. And, Thursday Brannen was with the Richmond Hill Rotary Club as a guest of Brad Brookshire, Ameris Bank. The talks covered the improved performance of Georgia’s banks, the better economy, the need for bright new banking talent, and data security information and tips for consumers, among other topics. GBA often speaks to banker and business groups to share the story about banking beyond the headlines. Contact David Oliver, 404.420.2036, with questions.


Durden Banking Company's
Wade Johnson with GBA president
and CEO Joe Brannen

Brannen speaking at the
Dublin Exchange Club


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Business Judgment Rule

Judge Throws Out FDIC Suit Against N.C. Bank Directors and Officers

A U.S. district judge had some pointed words about the FDIC’s strategy to pursue claims of gross negligence and breach of fiduciary duty against former directors and officers in granting a summary judgment motion Sept. 10 in favor of bank defendants in an FDIC lawsuit. The case involved FDIC’s claims against the CEO and former officers and directors of Cooperative Bank, Wilmington, NC, which was closed in June 2009. “In sum, the FDIC claims that defendants were not only more prescient than the nation's most trusted bank regulators and economists, but that they disregarded their own foresight of the coming crisis in favor of making risky loans. Such an assertion is wholly implausible,” said U.S. District Judge Terrence Boyle in his ruling. His decision states that the North Carolina business judgment rule precludes the court from getting involved in determining whether the decisions of the officers were good or bad calls if there’s no evidence of fraud, self-dealing or “any other unconscionable conduct that might constitute bad faith.” GBA Associate Member SNL Financial has a thorough article summarizing the case and likely implications, which includes mention of the recent Georgia Supreme Court ruling about the business judgment rule, linked with free access here. With questions for SNL Financial, contact Julie Jones, 434.951.4419.


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GBA Joins Push to Exempt Highly Capitalized Banks from Costly Basel III Calculations

Banks with extremely high capital levels shouldn’t have to do the costly, time consuming and complex calculations to prove their capital adequacy required by Basel III guidelines. That’s the position of GBA and a coalition of state bankers associations and the ABA, which is outlined in a proposal sent this week by the groups to Fed Chairman Janet Yellen, FDIC Chairman Martin Gruenberg and Comptroller of the Currency Tom Curry. The proposal would exempt from the calculation requirements banks that have a common equity tier 1 risk-based capital ratio of at least 14 percent, measured by the Basel III definition of capital and the Basel I measures of assets that banks have been applying for many years. “It just doesn’t make sense for banks that have more than twice the regulatory capital minimum to go through the administrative hurdles to do complex evaluations, measurements and calculations that don’t provide any extra safety and soundness benefit or customer service,” said Joe Brannen, GBA president and CEO, who is on the task force working on the proposal. Here’s a link to the letter. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.


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Top-Five Reasons to Attend President/CEO, Bank Counsel and Bank Accountant Conference

Still on the fence about attending GBA’s President/CEO, Bank Counsel or Bank Accountant Conference? Here are five good reasons to register today:

  • Lindsey Piegza, Chief Economist, Sterne Agee & Leach, Inc., Chicago, IL  will discuss the current economic environment.

  • Cal Evans, Market Intelligence Director, Synovus will discuss the current commercial real estate trends in Georgia and their impact on markets throughout the state.

  • A panel discussion with Commissioner Kevin Hagler, Georgia Department of Banking of Finance; Mark Kanaly, Alston & Bird, LLP; Brad Miller, United Community Bank and James Stevens, Troutman Sanders, LLP discussing current banking trends and how they impact M&A, new lines of business, growth and branching.

  • Jerry Blanchard, Bryan Cave, LLP, Atlanta will review recent developments in the laws affecting banks (including state and federal legislation, case law and regulatory changes) and how they affect our bank clients and the advice we should give them.

  • Donny Luker, Mauldin & Jenkins, Atlanta, and Tim Keadle, Porter Keadle Moore, will co-lead a breakfast meeting for Bank Accountant Conference attendees to discuss current issues in the banking industry as they affect the accounting profession. Email Donny and Tim with suggestions.

These can’t-miss conferences will be Oct.12-14 at The Ritz-Carlton Lodge, Reynolds Plantation in Greensboro. GBA has reserved a block of rooms at a reduced rate of $169 per night for single or double occupancy. With questions, please contact GBA’s Susie McGehee at 404.420.2010. Be sure and register today!


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GBA Compliance Conference: In Their Words

This Georgia Banker Wants to See You at The Annual Compliance Conference Next Week.

GBA's Compliance Conference is less than a week away and is sure to be a hit. With over a hundred bankers from all over the state already registered, we're expecting a big crowd of bankers at the conference. There is still time to sign up if you've been on the fence. We recently asked members of our Compliance Committee to share what they value about the GBA Compliance Conference, and got a ton of good feedback:


“The annual GBA Compliance Conference is a great opportunity to not only learn about the current hot topics in the industry, but also a way to network with other compliance professionals that are dealing with the same challenges. The roundtable sessions, which are one of my favorites, allow attendees to discuss the topics that are causing them the most concern and receive feedback from their peers on how they are handling similar issues. This year’s conference has many great speakers that will be addressing the current regulatory environment and equipping attendees with the knowledge on how to build better compliance programs within their institutions. Last year’s conference was one of the best conferences to date and I look for this year’s conference to be just as good. No matter your level of expertise as a compliance professional; this conference always provides a wonderful learning opportunity, as well as a venue to share ideas to make all of us in the profession better at what we do.” - Thomas Williams, GBA Compliance Committee Chair and SVP/Senior Compliance Manager, United Bank, Griffin


The Compliance Conference is Sept. 24-26 at Idle Hour Country Club in Macon. You may choose to register for the full conference, day 1 only (compliance risk management), or days 2 and 3 only (loans). Click here for more agenda details, hotel information and online registration. Contact Kathy Friestad, 404.420.2024, with questions.


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State of Community Banks

Regulations Piling Up, Hurting Credit, Jobs and Incomes, says Banker

Fifty-eight percent of banks have canceled or delayed a new product because of regulatory burden, and 44 percent have ended an existing product or service, said ABA Chairman Jeff Plagge during testimony to the Senate Banking Committee this week. The hearing, which we mentioned last week, featured bankers, regulators and consumer groups discussing the state of community banks. The reduction in current or new products “means less credit in our communities. Less credit means, fewer jobs, lower income for workers and less economic growth,” Plagge said in his testimony. Here’s a link to the full text.


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An Easy Way to Bend Your Representative’s Ear

There’s a new advocacy tool available to all GBA members that makes it easier than ever to tell our U.S. Senators and Representatives about issues bankers care about most. Available now to all bankers is a new Twitter map advocacy tool from ABA. The tool has ready-to-send messages about key issues that are easy to target and send to your specific member of Congress. Topics include regulatory burden, data security, the Farm Credit System and credit unions. It is available through Amplify, ABA’s free advocacy platform on which all bankers can create an account. “It only takes three clicks and no typing to send a message once you’ve logged in to your Amplify account, so this is a rapid-fire tool for members,” said Elizabeth Chandler, GBA’s SVP-Government Relations. You can tweet from the map using your personal Twitter account or from your bank’s feed as a business constituent. Here’s a direct link to the map.


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401(k) Testing Relief through Safe Harbor Design

Is 401(k) testing limiting what your bank officers can contribute to your 401(k) Plan? Plans that guarantee a 100 percent match up to 4 percent of compensation or a 3 percent non-elective contribution (similar to a profit sharing contribution) can be exempt from ADP/ACP discrimination testing and even exempt from top-heavy testing depending on different factors. Employees must become immediately 100 percent vested in all safe harbor contributions. In addition, there is another safe harbor design that ends up with a 3.5% maximum annual match for participants, but has automatic enrollment features built in. The Master 401(k) Plan offered under GBA Retirement Services, Inc. is already set up to accommodate traditional and automatic enrollment safe harbor plans. Anyone electing safe harbor options for 2015 must decide by early November in order to allow time for the required amendments and participant notices. Now is a great time to make final decisions about your plan design for 2015. Benefits of the 401(k) plans offered through GBA Retirement Services include: competitive fees due to size of Master Trust, customized service from GBA staff, ongoing investment education for participants, flexibility and performance of investments, and added oversight by having Reliance Trust Company as a 3(38) Discretionary Trustee of each Plan in the Trust. Let us help you review your current plan and compare to what GBA Retirement Services can do for you! Please contact Mandy Richards at 404.420.2025 or Danielle Driggers at 404.420.2002 for more information on safe harbor plans or for assistance in doing a periodic review and comparison of your retirement plan. To see what our members are saying about our services, Click here to Watch our video.


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Register Now for the Georgia BankPAC Golf Classic – Oct. 1

There’s still time to register for Leadership GBA’s thirteenth annual Georgia BankPAC Classic scheduled for Wednesday, Oct. 1, at The Club at River Forest in Forsyth. Put together a team or two of bankers, directors, community leaders or even customers to share a round and talk about important banking issues. This two person scramble tournament is sure to be a fun and challenging event for everyone. Registration is $150 per person, $250 per team or $450 for a team and hole sponsorship ($100 savings!). The proceeds will be donated to the GBA StatePAC. To register, click here. Please call GBA’s Susie McGehee at 404.420.2010 with questions about the tournament.



Georgia BankPAC Campaigns are Making Great Progress! Keep it Up!

Great news to report this week! The GBA FedPAC has reached 70% of its goal while the GBA StatePAC has reached 67% - marking incredible progress in the last two weeks. Here’s a look at your GBA Group’s progress. As a reminder, the GBA StatePAC accepts contributions from a state bank or the holding company of a national bank while the GBA FedPAC accepts personal contributions from bank officers, directors and eligible employees. GBA Associate Members and Bank Counsel Members are also encouraged to contribute to the StatePAC. Here are the contribution forms for each PAC with suggested giving amounts for your use. See how your group has done so far this year. With questions, please contact Elizabeth Chandler at 404.420.2027. Thanks to those that have already made their contributions including these companies that contributed to the GBA StatePAC:

  • Ameris Bank, Moultrie, Ed Hortman, President & CEO

  • BDS Yarmouth & Choate, Atlanta, Robert O’Halloran, Managing Partner

  • Bryan Cave, LLP, Atlanta, Walt Moeling, Partner

  • Community Bank of the South, Smyrna, Lee Scroggins, President

  • Durden Banking Company, Twin City, G.W. Johnson, President & CEO

  • Fiserv, Inc., Atlanta, Brenda Potter, Vice President

  • Langdale, Vallotton, LLP, Valdosta, Pope Langdale, Partner

  • Synovus Financial Corp., Columbus, Kessel Stelling, Chairman President & CEO

  • Waycross Bank & Trust, G.C. Ganas, President

And to these officers, directors and eligible employees of the following banks for their individual contributions to the GBA FedPAC:

  • Ameris Bank, Moultrie, Ed Hortman, President & CEO

  • Century Bank of Georgia, Cartersville, Rick Drews, CEO

  • Community Bank of the South, Smyrna, Lee Scroggins, President

  • Durden Banking Company, Twin City, G W Johnson, President & CEO

  • Flint Community Bank, Albany, Scott Tomlinson, President & CEO

  • Georgia Bank & Trust Company, Augusta, Dan Blanton, Chairman & CEO

  • KeyWorth Bank, Johns Creek, Jim Pope, President & CEO

  • Metro Bank, Douglasville, Ken Barber, President & CEO

  • State Bank & Trust Company, Tom Wiley, Vice Chairman & President

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Georgia Peanut Bank Week is Just One Month Away

Banks across Georgia will be celebrating Georgia Peanut Bank Week, Oct. 18-25. During this time, banks in communities across the state are saluting peanut farmers’ contributions to the state and local economy during this weeklong event. The Georgia Peanut Commission, in cooperation with the Georgia Bankers Association, promotes Georgia’s official state crop by sponsoring Georgia Peanut Bank Week annually. Access resources from the Georgia Peanut Commission to help your bank participate...


The Peanut Commission last week released this YouTube video showcasing Georgia's peanut industry. Check it out!


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IRA Advanced Update and Review Workshop - Sept. 25

In a landmark case, the courts and IRS have re-defined the "once-per-12-month" rule. Banks must know about this so their customers can avoid huge IRS tax and penalty pitfalls. At this seminar you will learn to separate fact from fiction for the more technical areas of IRAs. Too many times so-called experts post things on the internet that are vague or fabricated about retirement account rules and regulations. IRAs are a specialized area requiring expertise. Come and learn from one of the most respected IRA experts in the country, Patrice Konarik of Sunwest Training Corp., at GBA's seminar Sept. 25. The seminar will be at The Brickyard Golf Club in Macon. Please click here to register for the seminar. With questions, please contact GBA's Danielle Driggers at 404.420.2002.


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Fair Lending Seminar - Sept. 30

Examiners have a renewed interest in fair lending compliance, particularly for HMDA-reporting community banks. Banks are expected to implement fair lending compliance activities, including monitoring of lending policies, procedures and practices, loan personnel training, and second reviews of denied applications. Steve Moore, president of Bank Compliance Services, will provide an in-depth look at fair lending, including a detailed description of "side-by-side loan file analysis," common loan practices with potential fair lending effects, and other components of an effective fair lending program. GBA's Fair Lending seminar is scheduled for Sept. 30 at Idle Hour Country Club in Macon. If you're a compliance officer, compliance auditor or a loan officer, you can't afford to miss this one! To register, click here. With questions, please contact GBA's Danielle Driggers at 404.420.2002.


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The Information Security Officer (ISO) Seminar - Oct. 16

Designed for Information Security Officers, Compliance Officers and network administrators, this seminar will highlight all the information you need to be a successful professional in this role. You will get a better understanding of the regulatory requirements and expectations, and we will define the internal roles and responsibilities including coordination with NetAdmin, reporting to the board of directors, leading the IT steering committee and the ISO's role in audits and examinations. Helpful checklists and white papers will be included. Registration is $225 for members and will be held at the Idle Hour Country Club in Macon. For more information or to register, click here. For personal assistance contact GBA's Danielle Driggers at 404.420.2015.


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FDIC Consumer Protection Workshop - Oct. 29-30

The FDIC Atlanta Region is pleased to announce the third installment of its Consumer Protection Workshop seminar series. This workshop is an interactive one-and-a-half-day event designed to provide information on current topics of interest and enhance knowledge of consumer protection laws and regulations. FDIC presenters and participants will include regional and local managers, regional specialists and compliance examiners. GBA and CBA are partnering with the FDIC Atlanta Regional Office to offer this informative workshop. This workshop is Oct. 29 and 30 at Idle Hour Country Club in Macon. See more info and download a registration flyer here. Contact Danielle Driggers, 404.420.2002, with questions.


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Financial Risk Management Conference Agenda Set Join Us Nov. 4-5

GBA’s 2014 Financial Risk Management Conference is Tuesday and Wednesday, Nov. 4-5 at the Cobb Galleria Centre in Atlanta. GBA’s Asset/Liability Committee, host of the annual conference, has secured an excellent line-up of topics and speakers. Here is a snapshot: Keith Cureton, Global Compliance & Ethics at UPS, will discuss “Enterprise Risk Management”; Walt Moeling and Mark Kanaly will provide their annual “Regulatory Update”; Lilly Straith, Director of Revenue Enhancement Solutions with Fiserv, will discuss “Strategic Income Opportunities.” Highly sought after Chris Low, chief economist for FTN Financial, and Bloomberg’s “most accurate forecaster of Treasury note yields” in 2012, will provide an “Economic Update.” An expert panel, moderated by Stephen Weber, Ameris Bank, Moultrie, will discuss “Managing the Bond Portfolio under Threat of Rising Interest Rates.” The conference will close with the “Latest from the FASB for Banks: Recently Issued Standards and Major Projects,” presented by Sydney K. Garmong, Partner, Crowe Horwath, LLP, Washington, D.C. Click here to see details and for registration and hotel information.

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GBA-U Webinars

Customer Onboarding, Construction Lending, Supervisor Skills Highlight September Webinars

A GBA Webinar is a great way to quickly get the training you need right from the comfort of your office. Here is a sample of upcoming offerings. Check the GBA-U Calendar of Events for any webinars you are interested in at


Sept. 23

First Impressions - New Customer Onboarding Strategies

Sept. 23

Commercial Construction Lending

Sept. 24

Sixty (60) Steps for Properly Handling Delinquent and Abandoned Safe Deposit Boxes (2014 Update)

Sept. 24

Morale and Motivation for Supervisors: Keeping the Team Enthused About Their Job

Sept. 25

Legal Liabilities When Check Fraud Occurs

Sept. 25

Signature Card Danger Zones: Account Titling, Ownership & Access

Sept. 25

Business Development Strategies for Lenders

Sept. 26

BSA Series: NRAs, FACTA, OFAC and Other International Issues


Webinars are live and allow time for questions and answers. The $255 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 Danielle Driggers at 404.420.2002.


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ABA Facilitated Online Training Courses for October

Ag Lending, Law and Banking, Principles of Banking among October Courses

Below are the ABA Facilitated Online Training Courses coming up in October. These courses have weekly assignments as well as midterm and final exams. All you need is a computer, printer and Internet access. Classes with an asterisk require Microsoft Excel Software. Please register two weeks in advance to secure a seat in the class. Employees of GBA member banks may register at the member rate. For more information, contact Alison Moreau, 404.420.2034.


Oct 6

Analyzing Financial Statements

Oct 6

Introduction to Agricultural Lending

Oct 6

Law and Banking: Principles

Oct 6

Marketing Financial Services

Oct 6

Principles of Banking

Oct 14

General Accounting

Oct 14

Law and Banking: Applications

Oct 14

Principles of Banking Accelerated

Oct 20

Consumer Lending

Oct 20

Principles of Banking

Oct 27

Commercial Lending

Oct 27

Introduction to Mortgage Lending


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New Community Outreach Tool Created by SHCPF to Protect the Elderly From Financial Abuse

As a trusted provider of elder abuse prevention programs in our nation's senior care facilities, people rely on GBA Strategic Partner the Senior Housing Crime Prevention Foundation as a resource for information on a wide range of issues both inside and outside of a traditional long-term care setting. Their knowledge of the older American population and their challenges led them to produce the "Preventing Elder Financial Abuse Video Toolkit" which now gives your bank the ability to educate your family, your friends, those in your social organizations and your community at large on how to look for signs of elder financial abuse and how to prevent it. The toolkit includes:

  • A 30 minute video

  • Customizable companion handouts filled with important information

  • Customizable press release to let your community know the information you have to offer.

The presentation is easy:

  • Complete the easy-to-use press release and distribute it to your bank's media contacts

  • Personalize the handouts for distribution at the event

  • Make a brief introduction of yourself and your bank

  • Show the video

  • Answer questions at the end of the video.

For more information about the Senior Housing Crime Prevention Foundation or ordering the Preventing Elder Financial Abuse Toolkit visit or call 877.232.0859.


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An Easy and Effective Way to Provide Customer Appreciation

Because it costs five times more to acquire a new customer than to retain one, focusing on customer retention is more than just a good idea - it's an imperative. As part of your customer retention efforts, don't overlook the amazing power of appreciation. Telling customers you appreciate their patronage boosts loyalty. But, combine a "thank you" with $1,000 in Accidental Death and Dismemberment insurance coverage, and you could see your annual attrition drop significantly among participating customers. Affinion's Customer Appreciation program has been increasing customer retention among its clients for two decades. Endorsed by the American Bankers Association and the Georgia Bankers Association, the Affinion program provides a no-cost, no-risk opportunity to express your appreciation and earn ongoing fee income. Contact Bethany Armstrong for more information at 615.794.2356.


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Find a Job, Post a Job with GBA Job Bank

The Georgia Bankers Association offers free job posting resources for our member banks. These listings can be viewed online or through our print publication, the GBA Bulletin, mailed every other week. Resume postings are also available. For more information, please contact Kenyetta Parks at 404.420.2035.


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GBA Community Connections

GBA Members Have Been Hard at Work in Their Communities

We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Read all about the Community Connections our banks and members have below. 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, or if your company would like to sponsor this content, let us know. Here's our latest installment:


Atlanta - GBA and Members Meet the Kaiser Permanente Corporate Challenge

Congrats to the GBA staff team for completing the 2014 Kaiser Permanente Corporate Run/Walk and Fitness Challenge in downtown Atlanta last week. Participating from GBA were Kenyetta Parks, John Runnion, Edie Lindsay, Joe Brannen, Bo Brannen and Gino Lassiter. Produced by U.S. Olympian and running expert Jeff Galloway, the Kaiser Permanente Corporate Run/Walk & Fitness Program is a unique workplace-organized fitness promotion that culminates in a downtown Corporate 5K Run/Walk and Company Picnic. It annually attracts around attract 16,000+ participants from more than 400 Georgia companies as well as hundreds of individual participants. A portion of proceeds benefits the Atlanta Community Food Bank, Back on My Feet and the Atlanta Braves Foundation. There were GBA member and Associate Member staff participating as well. SunTrust and the Federal Home Loan Bank of Atlanta were on hand and a big congratulations to Private Bank of Buckhead’s president and CEO Charlie Crawford who took the award for fastest CEO in the entire event!


Cartersville – Century Bank of Georgia

The bank is sponsoring a movie night out for families featuring Disney Planes on Friday, Sept. 26 at the Nathan Dean Sports Complex in Rockmart.


Columbus – Synovus

The bank is a proud supporter of Georgia Pre-K Week scheduled Oct. 6-10. The weeklong, statewide celebration brings together a diverse group of leaders and places them in Pre-K classrooms in all 159 counties. Georgia’s nationally recognized Pre-K program showcases how early education is making a difference for our children in our state.


Griffin – United Bank

The bank is proud to be a sponsor for Promise Place’s Run the Ridge 10k and 5k on Oct. 11 in Meansville. Promise Place works to prevent domestic violence through awareness programs, educational training and providing safe environments for the victims and their families, utilizing legal advocacy, emergency shelters and transitional housing.


Marietta – Highland Commercial Bank

The bank and Iron Mountain Document Destruction, Inc. will host a free, secure document shred day on Saturday, October 4, 2014. The event will be held at the bank’s Marietta office – 3411 Ernest Barrett Parkway, Marietta, GA 30064.


Peachtree City – The Bank of Georgia

The bank recently hosted a well-attended business networking breakfast at its main branch. See photos from the event here…


Statewide – Access to Capital for Entrepreneurs (ACE), South State Bank and PNC Bank

South State Bank and PNC Bank recently made donations of $10,000 each, to help support Associate Member, ACE’s Women Investing in Successful Entrepreneurs (WISE) initiative. The contribution will help ACE provide access to capital and business advisory services for our targeted populations of women, minorities, and low-income entrepreneurs. 


GBA Staff at the KP Run/Walk from eft to right: Gino Lassiter, Joe Brannen, Kenyetta Parks, John Runnion, Edie Lindsay and Bo Brannen. The Private Bank of Buckhead team at the KP Run/Walk including Atlanta's fastest CEO Charlie Crawford (middle).


Pictured from left to right are: Michelle Shook, AVP, Cleveland Branch Manager, South State Bank; Michelle Elder-Gilreath, Vice President, CRA Officer, South State Bank; and Grace Fricks, ACE Founder and CEO. 

Pictured from left to right are: Back row- Antonio Henson, PNC Bank, ACE Loan Committee; Tim Griffis, Regions Bank, ACE Loan Committee; Charles Whatley, UrbanIS USA, ACE Loan Committee; Candace McClure, ACE Administrative Assistant. Front Row- Maria Peck, ACE Loan Officer; Courtney I. Smith, PNC, ACE Loan Committee Chair; Linda Jameson, ACE COO; Courtney Lynn, ACE Underwriter. 


Your company can sponsor this GBA content to help promote how GBA members provide extensive support for communities around the state. Contact David Oliver for information.


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Friday Chuckle

Here are some alternative definitions we ran across this week we thought were kind of funny. Have a good weekend, everyone.

  • BERNADETTE: The act of torching a mortgage

  • COUNTERFEITERS: Workers who put together kitchen cabinets

  • PHARMACIST: A helper on the farm

  • SUDAFED: Brought litigation against a government official

If you have some business-appropriate humor you’d like us to consider sharing, send it to David Oliver and Bo Brannen.


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Athens – First American Bank & Trust

Elbert N. “Bert” Whitmire, III has joined the bank’s Board of Directors and the Board of its holding company, First American Bancorp.


Atlanta – SunTrust Bank

The Atlanta Braves have named their new Cobb County stadium SunTrustPark.


Blairsville - United Community Bank

J. Frayne Bentley has joined the bank as SBA Business Development Officer. Adam Hart has joined the bank as Vice President, Regional Sales Manager. Padraic Robertson has joined the bank as the Savannah market manager. Sarah Arcanti joins the bank as a Loan Processor. Greg Wood has joined the bank as a Senior Mortgage Underwriter. Jodi Lewis,has joined the bank as Mortgage Loan Originator Assistant.


Cuthbert – First National Bank of Randolph County

Our sympathies to President and CEO Charlie Curry whose mother, Martha Brooks, recently passed away. On a happier note, Curry's stepfather, Ennis Brooks, celebrated his 100th birthday last week.


Doraville - First Intercontinental Bank

The bank has completed a $6 million common stock offering and repaid its TARP obligations.


Whitmire Bentley Hart


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 Bo Brannen.


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