Fall 2017 Georgia Communities First Magazine by Community Bankers Association of Georgia

GeorgiaCommunitiesFirst Official Publication of the Community Bankers Association of Georgia

FALL 2017

INSIDE 2017-2018

BOARD OF

DIRECTORS Annual Meeting

HIGHLIGHTS

FROM BOSTON

LIFETIME

SERVICE AWARDS Announcing 2018

SCHOLARSHIPS EDUCATIONAL OPPORTUNITIES

Member:

contents FALL 2017

f e at u r e d

C B A S TA F F Rob Braswell President & CEO rob@cbaofga.com

Lori Godfrey Director of Legislative and Regulatory Affairs lori@cbaofga.com

Lindsay Greene Vice President Marketing & Member Services lindsay@cbaofga.com Jeremy Thomens Graphic Design & Member Services Coordinator jeremy@cbaofga.com Cassie Conklin Marketing Specialist cassie@cbaofga.com Peake Wilson Vice President Corporate Events & Leadership Division, CBA Corporate Secretary peake@cbaofga.com Teresa Day Administrative & Corporate Events Assistant teresa@cbaofga.com Jodi Swilley Director of Education & Professional Development jodi@cbaofga.com

Giving Thanks

Be Cyber Ready

c o r p o r at e e v e n t s

16 Lifetime Service Awards 18 CBA’s Leadership Division

l e g i s l at i v e

General Counsel Corner: The Importance of Incident Response

A Letter from Lori

2016-2017 PAC/PR Contributors

e d u c at i o n

22 Webinars

conventions

21 Banker Regulatory Forum

24 2018 CBA University Events 25 BSA Training

2017-2018 Board of Directors

10 Highlights from CBA’s Annual Meeting in Boston

26 2018 Senior Retail Banking Officer Forum member services

29 2018 Scholarships

Donna Coutant Education Coordinator donna@cbaofga.com

33 CBA’s Advertising Opportunities

Connie Shepard Education Associate connie@cbaofga.com Tammy Maass CFO tammy@cbaofga.com Stephanie Taylor Accounting/Operations Coordinator stephanie@cbaofga.com

s ta y connected

@CBAofGeorgia

@CBAGeorgia

@company/ cbaofgeorgia

Community Bankers Association of Georgia | 1900 The Exchange, Suite 600, Atlanta, GA 30339 (770) 541-4490 or (800) 648-8215 • Fax (770) 541-4496 | www.cbaofga.com • cba@cbaofga.com Fal l 2 0 1 7 | G e org i a Co m m un i ti es F i rs t | 1

FROM THE PRESIDENT'S DESK

Rob Braswell President & CEO Community Bankers Association of Georgia

GIVING THANKS “Find much to be grateful for in every day. Doing so will not only enrich your life, it will bless those around you in ways you may never know.” – Richelle E. Goodrich •

We are very thankful for the dynamic energy that continues to permeate our Leadership Division. This ambitious group continues to lead by example - setting (and usually achieving) new and lofty goals, putting forth new ideas to keep things fresh, and taking pride and ownership of their mission. During this past year, the Leadership Division raised $31k for Children’s Healthcare of Atlanta, over $26k for our PAC/PR Funds, and conducted an extremely successful campaign to increase the awareness of CBA’s Julian & Jan Hester Scholarship Program.

•

We are very thankful for the interest and positive feedback we have gotten about our new offerings this past year the Compliance Roundtables and the two Compliancefocused Banker Regulatory Forums. These programs have been very well received and were developed based on our bank members’ compliance officers’ suggestions.

Speaking of Irma, we are very thankful to the bankers, exhibitors, Associate Members, speakers and their families who recently attended our Annual Meeting in Boston despite the many obstacles and challenges that Hurricane Irma threw their way. We had attendees that flew to Boston even though their houses still did not have power. We had bankers that had to reschedule flights and/or change airports in order to attend. We had a speaker that lived in Miami that had a “Planes, Trains and Automobiles-type” experience in order to arrive in Boston in time. We had an exhibitor in attendance with a great attitude whose second home on St. Thomas had been destroyed by Irma just days earlier. Everyone’s story was unique and compelling, yet one thing was the same – each attendee was committed to support our Association and to assist in making our convention successful – and they did!

•

We are thankful for the legislative victories won in this year’s General Assembly and the albeit slow, but incremental progress being made on federal legislation that will reduce some of the regulatory burden on community banks. We are also very thankful for our members that made the congressional visits with us this year to keep these issues on the front burner.

•

Lastly, we are thankful to be a member of the greater community banking family and associated with so many wonderful people. Everyone on the CBA Team truly appreciates this opportunity and thanks you for letting us be a part of it.

We are very grateful to our Board of Directors for their support and guidance. The term of last year’s Board just ended; however, they did a tremendous job of leading the way with regards to participation, meeting with or referring new Associate Members, and discussing new prod-

Best regards,

As we closed our books September 30th on another fiscal year and get excited about Thanksgiving being just around the corner, I want to take this opportunity to share a number of items for which the CBA Team and I are extremely grateful. While definitely not an all-inclusive list, here are some things that are definitely worth highlighting: •

•

ucts or services with our Endorsed Member Companies. We are also grateful for the individuals of our newly-installed Board that are very willing to continue to be the cornerstone of our Association over the next year.

First of all, we are thankful for your physical well-being. With the tornadoes in Southwest Georgia early this year and Hurricane Irma affecting the whole state a month ago, we were fortunate that our banking family remained safe and suffered no serious injuries or loss of life. It was also very heartwarming and gratifying to hear the extra measures our members took, both personally and professionally, to help their local communities in their time of need. These “go the second mile” efforts were not surprising, but heartwarming nevertheless.

2 | ww w.cbaofga.co m | Fall 2017

On behalf of all of us at CBA of GA, we hope you have a terrific autumn! Please do not hesitate to contact us if we can be of assistance.

FINER

BE CYBER READY You can never be quite sure of what tomorrow will hold. Will other natural disasters like Hurricane Harvey or Hurricane Irma devastate our communities? Will another large-scale data breach compromise consumer financial information? Will hackers manage to find their way into another company’s server—or into a bank’s data? These are all questions that weigh on business leaders’ minds, regardless of the industry. We can’t escape them, but we can heed warnings, anticipate the worst and proactively develop plans to protect our customers and businesses. October may be National Cybersecurity Awareness Month, but community banks are dedicated to protecting our customers’ personal and financial data today and every day. This is part of what makes our relationship banking business model so special. Customer protection is at the heart of community banks’ cyber strategy, just as it is for disaster preparedness or any other business recovery plan. We must remember that cybercriminals are sophisticated actors seeking to exploit personal and systemic vulnerabilities for financial gain. That’s why ICBA is focused on helping community bankers address the growing challenge of cybersecurity arming them with the information, resources and partnerships they need to safeguard their institutions and their customers. As a first line of defense, ICBA is an actively engaged member of the Financial Services Information Sharing and Analysis Center (FS-ISAC) and the Financial Services Sector Coordinating Council (FSSCC). The majority of community banks are also members of FS-ISAC. FS-ISAC is the global financial industry’s go-to resource for cyber and physical threat intelligence analysis and sharing. If banks are not members of the FS-ISAC, they can share cyberthreat and mitigation information through the Department of Homeland Security’s Automated Indicator Sharing portal. Participating in these groups is key to protecting our institutions and our customers.

POINTS

Cam Fine President & CEO Independent Community Bankers of America

ICBA is also a founding board member of Sheltered Harbor, an industry-led organization that is part of the FS-ISAC. It provides rapid restoration of customer account data after a cyberattack or other debilitating event. Similar to a fallout shelter, Sheltered Harbor is the answer if all other disaster recovery options have been exhausted. Community banks and financial institutions of all sizes have the opportunity to become members of Sheltered Harbor—a major step toward being prudent and poised in today’s “when, not if” cyber reality . Sheltered Harbor combines proactive, secure data storage with a cooperative recovery plan to get your customers through a major cyberattack faster than you would on your own. By storing your institution’s data in Sheltered Harbor’s industry-standard format, a peer institution or core service provider can restore account information, resulting in minimized impact to customers. Participating in Sheltered Harbor is affordable, proactive and smart. When the worst-case scenario could happen tomorrow, it’s important to know you’re not alone. You have resources and groups like FS-ISAC, FSSCC and Sheltered Harbor looking out for your bank and your customers. You also have ICBA, coordinating, advocating and communicating what you need on the cyber front. Community bankers, we are in this cyber war together. No matter what tomorrow holds, you can rest assured that ICBA is there with you every step of the way.

Fal l 2 0 1 7 | G e org i a Co m m un i ti es F i rs t | 3

Corner

L EG I S L AT I V E

GENERAL COUNSEL

Fall 2017

The Importance of Incident Response

legal news and updates for cba members Have a topic you would like to see covered in “General Counsel Corner?” Email us at generalcounselcorner @ jamesbatesllp.com

cbahotline

@ jamesbatesllp.com

John W. Sillay

Attorney (478) 749-9923

jsillay@jamesbatesllp.com

Corrie E. Hall

Attorney (478) 749-9949

chall@jamesbatesllp.com

By John W. Sillay and Corrie E. Hall

October is National Cybersecurity Awareness Month and recent events in the news media have likely placed this topic at the forefront of your mind. As you are well aware, one of the nation’s three main credit bureaus, Equifax, recently experienced a data breach. This breach exposed approximately 143 million people’s data to potential hackers and other wrong doers. Equifax is only the latest in long string of entities that have fallen victim to cybercrime.i Equifax’s breach serves to further demonstrate that, when it comes to a data breach, it is not a question of “if” your institution will experience a data breach, but “when?” Much of the criticism surrounding the Equifax breach has been focused on what some consider an inadequate response to the incident by Equifax. ii There have been allegations of reporting delays, insider dealing, and crisis profiteering on the part of Equifax and others.iii Whether or not these allegations are merited, the media coverage following the Equifax breach underscores the vital importance of a wellmanaged incident response program. Through an effective incident response program, companies that become the victim of cyber-crime, such as Equifax, can best position themselves to control the message regarding a breach. By implementing and maintaining an incident response program, your institution can position itself to be proactive in addressing customer concerns head on, in a manner that allays, rather than compounds, concern. In the FDIC’s Winter 2006 Supervisory Insights publication, the FDIC published a helpful article titled “Incident Response Programs: Don’t Get Caught Without One.”iv In this article, the FDIC explains that your bank should develop procedures for evaluating incidents, identifying the affected customers, and controlling the incident. Further, your bank’s incident response program should establish procedures for communicating the incident to your primary federal regulator, law enforcement, and affected customers. The FDIC also encourages banks to appoint specific individuals to an incident response team and to task each individual with specific items within the incident response program.

Your bank should assign clear tasks to specific individuals within your organization, or to other external resources, so that your incident response team can stand ready in the event of a breach. Trained individuals can work together to ensure that your bank issues an effective response to the breach and promptly notifies regulatory agencies, law enforcement, and customers, each in the manner required under law or as is otherwise advisable. Your incident response team should rehearse its planned response to certain situations before a crisis occurs, and your team should have a substantially complete communications plan in place– especially with respect to questions you know your bank will have to address. You may find that certain aspects of your incident response program require the use of a third party service provider. These providers may include public relations firms, credit monitoring services, call center providers, investigative resources, and legal counsel. In order to ensure that these providers are ready when you need them, it is advisable to engage these vendors in advance of a breach and to communicate to them the role that they play in your bank’s incident response program. Furthermore, it is common for cyber insurance policies to cover expenses associated with these providers, but your insurance carrier will likely be afforded discretion as to which particular vendors it will cover. By identifying your vendors in advance, you can also confirm that your selected vendors would be covered by your insurance policy. We will not know for some time the full extent of the fallout from the Equifax breach and we may never be able to pinpoint what, if anything, Equifax could have done differently in order to have reduced the impact of this breach. However, it is clear that an effective incident response program is a strong line of defense against public backlash. While we would all prefer for this Equifax breach to have never occurred, we believe this event serves as a stark reminder of the importance of adequate incident response. Furthermore, the facts surrounding the Equifax breach may serve as a useful scenario to consider when revising or testing your current incident response program. How would your bank have responded?

i Cowley, Stacy; Siegel, Tara; and Hakim, Danny. “Equifax Breach Prompts Scrutiny, but New Rules May Not Follow.” https://www.nytimes. com/2017/09/15/business/equifax-data-breach-regulation.html?mcubz=0. 15 September , 2017. ii Olen, Helaine. “Equifax Draws Fire for Bungled Response to Data Breach.”https://www.cbsnews.com/news/equifax-data-breach-bank-customersmore-than-you/ 12 September 2017. iii Olen, www.cbsnews.com iv Morris, Eric R., and John J. Sosnowski. “Incident Response Programs: Don’t Get Caught Without One.” Supervisory Insights, vol. 3, no. 2, 12 Dec. 2006, pp. 4–11. Winter 2006, www.fdic.gov/regulations/examinations/supervisory/insights/siwin06/index.html. Accessed 15 Sept. 2017.

PRESENTED BY GEORGIA’S LAW FIRM: 4 | ww w.cbaofga.co m | Fall 2017 OFFICES MACON + ATLANTA

“General Counsel Corner,” a recurring column featuring legal news and information of interest to CBA members, is brought to you by James-Bates-Brannan-Groover-LLP. Visit us at GeorgiasLawFirm.com

L EG I S L AT I V E

A A LETTER

FROM LORI

Lori Godfrey Director of Legislative and Regulatory Affairs Community Bankers Association of Georgia

s we wrap up our 49th Annual Meeting & Trade Show in Boston, fall is now upon us. Our annual Live and Silent Auction and Diamond Raffle were held in Boston and proceeds from both events totaled $9,500. The auction would not have been a success without the 36 personal and corporate donations that were made. A big thank you to everyone that made a donation to our Live and Silent Auction! Proceeds from the auction benefit the CBA Political Action Committee/Public Relations Funds (PAC/PR), which is the only state PAC exclusively committed to representing the interests of Georgia’s community banks. For 2017, our Board of Directors established the following campaign goals: (1) CBA PAC/ PR Fund $100,000 AND (2) 100% participation of all CBA Member Banks. As of 09/01/2017, direct contributions to the PAC/PR fund total $29,955. We have 34 corporate contributors and 58 individual contributors so far this year. While both of these figures fall short of the Board’s goals, we have seen an increase in the number of contributors from years past. Together, we can work to make our voices heard. Now that our Boston trip is behind us, I will be spending the remainder of the year finishing up bank visits and gearing up for the next legislative session. Since I started with CBA in October 2016, Rob and I have visited all but 20 banks in the state. Before year end, we’d like to visit all of our member banks. Our goal is to say thank you for being a CBA member bank and to find out what we can do to

enhance the CBA’s membership value. We are always open to any feedback that you or your bank may have. The next legislative session is right around the corner. Just a reminder, the next session will be the second part of a two-year legislative session. Any bills that were held over from last session can still be debated along with any new bills that are presented. Some of the items that were presented last year that “carry over” to this session are as follows: boat titling, fair business practice act, notary public revisions, title pawn, money transmission transactions, corporate registrations, industrial loans, Georgia data security act, the FAST act, garnishments, foreclosure confirmation waiver prohibitions, save earn win act, banking improvement zones, and home owner association changes. Next year’s session should be interesting especially with all of the big political races going on as well. A number of candidates are in the running for the Governor, Lieutenant Governor, and Secretary of State positions, which may leave some vacant seats or may prompt special elections to fill the vacancies. Lots of changes are on the horizon. My eyes and ears are open and ready to hear what the next session holds. Until next time,

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L EG I S L AT I V E

2016 - 2017

PAC/PR CONTRIBUTORS Based upon contributions for the period from 10/1/16 through 9/19/17 The Community Bankers Association of Georgia (CBA) would like to recognize supporters of the CBA Political Action Committee/Public Relations Funds (PAC/PR) and to make the Association’s membership more aware of this important facet of our work on behalf of the community banks across Georgia.

Corporate Contributors Affinity Bank, Atlanta Bank of Dawson, Dawson Capital Bank, Fort Oglethorpe Citizens Community Bank, Hahira Exchange Bank, Milledgeville F & M Bank, Washington Farmers & Merchants Bank, Statesboro Farmers State Bank, Lincolnton First Peoples Bank, Pine Mountain First State Bank, Wrens First State Bank of Randolph County, Cuthbert Flint Community Bank, Albany Georgia Community Bancorp, Dawson on behalf of • Bank of Terrell, Dawson • Commercial State Bank, Donalsonville • The Citizens State Bank of Taylor County, Reynolds

Heritage Bank, Jonesboro Mountain Valley Community Bank, Cleveland Peach State Bank & Trust, Gainesville Pineland Bank, Alma Providence Bank, Alpharetta Queensborough National Bank & Trust Co., Louisville South Georgia Bank, Glennville State Bank & Trust Company, Macon SunMark Community Bank, Hawkinsville The Bank of LaFayette The Citizens Bank of Cochran The Citizens Bank of Swainsboro The Farmers Bank, Union Point Vinings Bank, Smyrna

Individual Contributors Terry D. Baker Alan F. Barfoot Donna Barwick Donna Bellamy Paul Bennett Charles W. Blair, Jr. Leck Boatright Jack C. Bowdoin Rob Braswell Nancy H. Brewer R. Jeffery Cannon Edward B. Claxton III Ben Cochran J. Lee Cromley Gay H. Dailey 6 | ww w.cbaofga.co m | Fall 2017

Janine Dodds Shirley G. Etheridge Lori Godfrey Milton B. Gray, Jr. Marc Greene Matt Hatchett Minton D. Hester Clark Hungerford Mary Jo Jester Gary Johnson Andy Jordan Edwin S. Kemp, Jr. C. Everett Kennedy III Brian A. Kent W. Denny Key

Douglas H. Lambert A. Sidney Lane John Lewis Tammy Maass June D. Moore Leonard Moreland W. Brett Morgan C. Ricky Nessmith Larry J. Parrish Jerry Pitts Jeffrey D. Pope Ron G. Quinn Benjamin T. Ross Stephen T. Rushing C. Tommy Segers

Brad P. Serff Sidney B. Shepherd Greg T. Sikes William E. Simmons Bill Simmons Brannen Smith Stephanie Taylor Athen J. Walden Jason T. Williams Peake Wilson Matthew A. Wood J. Rufus Youmans, Jr. Katherine S. Zovlonsky

L EG I S L AT I V E

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1.800.350.3843 contactHC@harlandclarke.com 8 | ww w.cbaofga.co m | Fall 2017

CONVENTIONS

WELCOME CBA BOARD OF DIRECTORS 2017-2018 Chairman

Scott Tomlinson Flint Community Bank, Albany

Division 2 Chair

Charles Rooks Family Bank, Pelham

Division 9 Chair

Chairman-Elect/ Committee Chair: Nominating & Political Affairs

Vice Chairman/ Committee Chair: Audit

Treasurer

Ron Quinn Tim Jones Marc Greene Citizens Community Peach State Bank & Mountain Valley Trust, Gainesville Bank, Valdosta Community Bank, Cleveland Division 3 Chair

Corey Gibbs Community Banking Company of Fitzgerald

Division 4 Chair

Division 5 Chair

Leonard Moreland Elliott Miller Heritage Bank, Georgia Banking Jonesboro Company, Atlanta

At Large

Ed Cooney Affinity Bank, Atlanta

Division 6 Chair

Immediate Past Chairman/ Committee Chair: Member Services

Division 1 Chair

Brad Serff Providence Bank, Alpharetta

Preston Conner Southern Bank, Sardis

Division 7 Chair

Division 8 Chair

David Lance Paul Bennett Chuck Harwell Greater Community Pineland Bank, Community Bank Alma of Dublin â&#x20AC;&#x201C; Laurens Bank, Rome County

Division 10 Chair

Ex-Officio/ ICBA

Member at Large

Dawn Griffin Liberty First Bank, Monroe

Bran Thompson South Georgia Bank, Glennville

Lee Clark First State Bank, Wrens

John Lewis Foothills Community Bank, Dawsonville

Dan Oliver Vinings Bank, Smyrna

Member at Large

Member at Large/ 2017-2018 LD Chairman

Bill Easterlin Queensborough National Bank, Louisville

Member at Large/ President & CEO

Banker Regulatory Forum Moderator

Brian Schmitt SouthCrest Bank, N.A., Atlanta

Derek Williams Century Bank & Trust, Milledgeville

Jason Rooks Flint Community Bank, Albany

Rob Braswell CBA of Georgia, Atlanta

Clark Hungerford Pat Blanchard (Ret.) Vinings Bank, Augusta Smyrna

Keith Hales Hamilton State Bank, Hoschton

Honorary Member

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CONVENTIONS

49TH ANNUAL MEETING & TRADE SHOW

WHERE EVERYBODY KNOWS YOUR NAME

CBA INVADED BOSTON!

his year’s theme, “Where Everybody Knows Your Name,” based on the former television show, Cheers, set in Boston, ended up being quite accurate. Mentalist Max Major, worked his “mentalist magic” and came up with an attendee’s dog’s name from when she was 10 years old! It blew all our minds! And, so did the beautiful, welcoming, historic city of Boston!

Boston’s many historic landmarks and incredible architecture wowed the attendees of CBA’s 49th Annual Meeting & Trade Show in September. Thursday’s Opening Reception & Dine-Around featured over 30 top industry providers, a silent and live auction, a 1+ ct. diamond raffle, a specialty cocktail and delicious dining stations, hors d’oeuvres and desserts.

SPEAKERS The General Sessions were packed with timely community banking-related topics such as “Buckle Up: Wild Ride Ahead,” presented by David Kemp, Bankers Management, Inc.; “An Interview with Ray Davis,” with Ray Davis, Executive Chairman, Umpqua Bank; “Feeding the Media,” presented by Patrick Dix, SHAZAM; “Becoming a High Performing Bank While Managing Your Risks,” presented by Dale Sheller, The Baker Group; and,

“Meet John Adams” as portrayed by George Baker. This year, two Break-Out Sessions for external bank directors were hosted – Mark Kanaly, Alston + Bird, presented “Director Gut Check: What Should Boards of Directors Be Doing Now to Be Ready for 2018,” and James-Bates-Brannan-Groover facilitated “Director Interchange: What Keeps You Up at Night?”

(l-r) David Kemp; emcee David Peterson with Ray Davis; Patrick Dix; Dale Sheller; George Baker 1 0 | ww w.cbaofga.co m | Fal l 2017

CONVENTIONS

A “TASTE OF ITALY”... IN BOSTON! On Friday morning, spouses and guests enjoyed a walking tour of Boston’s North End Market which features shops, restaurants and Italian culinary delights.

CHAIRMAN’S BANQUET

Scott Tomlinson (l) with Brad Serff (r)

The Saturday evening Chairman’s Banquet included honoring the 2017 Lifetime Service Award (LSA) recipients (see more on page 16), a farewell speech from outgoing Chairman Brad Serff, Providence Bank, Alpharetta, and a welcome address by incoming Chairman Scott Tomlinson, Flint Community Bank, Albany. The evening and convention concluded with a mindblowing performance by mentalist Max Major.

PRIZE WINNERS Everyone in attendance was definitely a winner, but, the “official” prize winners of the Annual Meeting were many and are as follows. For the second year in a row, CBA held a Diamond (l-r) Lori Godfrey, Helen Pope, Raffle to raise funds for Henry Pope, Rob Braswell PAC/PR. CBA partnered with Cumberland Diamond Exchange, Marietta, and raffled a 1-carat diamond. Only 100 chances were sold at $100 each. Every purchaser received entry into the raffle and a cubic zirconia. The first 75 purchasers received a $100 gift certificate to use at the jewelry store. The fundraiser added to the event’s excitement! Henry Pope, Exchange Bank, Milledgeville, was the lucky winner of the diamond. Ron Quinn, Peach

State Bank & Trust, Gainesville, won $1,000 in cash after Friday’s “7-Minute Spotlight” presented and sponsored by Christophe Choquart, IOU Financial, Kennesaw. Marc Greene, Mountain Valley Community Bank, Cleveland, won $1,000 after Saturday’s “7-Minute Spotlight” presented and sponsored by Joe Schaefer, Equias Alliance, Miami, FL. Shirley Etheridge, Heritage Bank, Jonesboro, won Friday’s $300 cash prize, sponsored and presented by Clayton Braswell, ATM Response, Suwanee. Clayton also sponsored Saturday’s $300 cash prize which was won by David Lance, Greater Community Bank, Rome.

BOSTON BAKED BEANS

Trey Moore, Alostar, (l) with grand prize winner Chuck Harwell (r)

Bruce Ferguson, UMS Banking, using the Johnny Carson technique.

And congratulations and thank you to everyone who participated in the Boston Baked Bean Count Challenge, this year’s Trade Show game, sponsored by AloStar. The winners were Jason Rooks, Flint Community Bank, Albany; Charlie Bray, The Peoples Bank, Willacoochee; Ron Quinn, Peach State Bank & Trust, Gainesville; and Chuck Harwell, Community Bank of Dublin-Laurens County, who came within 101 beans of the actual total number – which was 17,722!

Photos from the Annual Meeting are included in CBA’s e-newsletter CBA Today and on our website www.cbaofga.com. Fal l 2 0 1 7 | G e org i a Com m un i ti es F i rs t | 11

CONVENTIONS

SCENES FROM BOSTON

1 2 | ww w.cbaofga.co m | Fal l 2017

Fal l 2 0 1 7 | G e org i a Com m un i ti es F i rs t | 12

CONVENTIONS

THANK YOU TO OUR SPONSORS PLATINUM SPONSORS

SILVER SPONSORS

BRONZE SPONSORS

GENERAL SPONSOR

INDIVIDUAL EVENT SPONSORS

JB Board Meeting Refreshments & Saturday Breaks

Registration Packet

Name Badges

Mirror Clings

Board Appreciation Dinner

Thursday Night Carving Stations

Friday Breaks

Friday & Saturday Cash Prizes

Saturday Keynote Speaker George Baker as John Adams

Trade Show Activity Prizes

Board Appreciation Reception

Convention Program

Specialty Drink Thursday Night Dine-Around

Friday Promo Items

Saturday Breakfast Spouse/Guest Program

Chairman’s Reception

Bottled Water/ Welcome Refreshments

Convention Totes Hotel Key Cards

Thursday Night Dessert & Coffee

7-Minute Spotlight - Friday

Saturday Promo Items & Silent/Live Auction Flyer

Saturday Night Entertainment Chairman’s Banquet

Friday Breakfast

Friday Keynote Speaker Ray Davis

7-Minute Spotlight Saturday

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SAVE THE DATE!

CONVENTIONS

Next year’s Annual Meeting will be combined with the Annual Leadership Division Convention and celebrated as

CBA’s 50th Anniversary!

H IV 50T ANN

ERSARY CONVENTION & TRADE SHO 1969 - 2018

POINT CLEAR, AL

50TH ANNIVERSARY CONVENTION & TRADE SHOW Thursday-Sunday, June 21-24, 2018 Grand Hotel Marriott Resort & Spa Point Clear, AL

C O R P O R AT E E V E N T S

Celebrating

A LIFETIME OF SERVICE

he Community Bankers Association of Georgia (CBA) is proud to honor community bankers who have served 30 or more years in the banking industry. Historically, the Lifetime Service Awards are presented during the Chairman’s Banquet held at the Annual Meeting & Trade Show. The 2017 honorees are featured below. The CBA is extremely grateful to these individuals who have served as role models to the banking community. Honoring them is a small token of the CBA’s appreciation for their efforts to the banking industry. “Georgia is fortunate to have such an impressive number of community bankers who have reached these milestones. It’s our pleasure to honor the men and women who have served the banking needs of their communities and lent their expertise to a new generation of community bankers throughout their careers,” stated Rob Braswell, President & CEO of the Community Bankers Association of Georgia.

Patricia Rose Bank of Terrell, Dawson - 50 Years Patricia began her banking career in Birmingham, Alabama at First National Bank before moving to Dawson in January 1967 and was hired at Bank of Terrell. Her first position was in operations running an NCR proof machine at the newly constructed bank building at 250 East Lee Street. Over the years, Ms. Rose has held many positions within the bank, including teller, bookkeeper, loan department processor and customer service representative. She is currently the bank’s Vice President, BSA officer, Corporate Secretary and Board and Loan Committee Secretary. Patricia has two daughters, Piper (Allen) Lowe of Albany and Staci (Michael) Anderson of Atlanta. She also has five grandchildren, Tanner, Tyler, Landon, Abigail and Sumter.

John C. Childs, Jr. Exchange Bank, Milledgeville - 44 Years After graduating from the University of Georgia, John also graduated from the Georgia Banking School in Athens as well as the Graduate School of Banking of the South at LSU. He began his banking career in 1973 with The Brand Banking Company in Lawrenceville and in 1997 went to the Bank of Gwinnett County. In 1999 John joined the Bank of Gray, and continued to work there long after it was acquired by Security Bank of Jones County and later acquired by State Bank & Trust Company. From 2012 until the present time, John serves as Executive Vice President at Exchange Bank as well as their Senior Lender and member of the Board of Directors. John is married to Joan Dismer Childs and they have five children and seven grandchildren. They are members of the Gray United Methodist Church where John serves in various capacities, currently as Lay Leader.

Henry J. Pope, Jr. Exchange Bank, Milledgeville - 44 Years Mr. Henry J. Pope, Jr. graduated college from Georgia College in Milledgeville in 1976 and studied in various graduate programs. Henry has been a member of the Board of Directors since 1992 to the present date. He was elected the CEO in 2004 and then in 2005 he became President & CEO of Exchange Bank, Milledgeville. Henry’s civic duties include being the past President of the Milledgeville Kiwanis Club and current member of the Rotary Club. He is the Past Director and Past Chair of the Board of Directors of the Milledgeville/Baldwin County Chamber of Commerce. Henry has been very active of both the Community Bankers Association of Georgia as well as Georgia Bankers Association. He is also the past Baseball and soccer coach of the Baldwin County Recreation Department and also the Old Capitol Soccer League. Henry and his wife Helen have 2 children and 4 grandchildren. They attend the First United Methodist Church where Henry chairs the Finance Committee. 1 6 | ww w.cbaofga.co m | Fal l 2017

C O R P O R AT E E V E N T S

David Cowles BankSouth, Greensboro - 31 Years During his time at the University of Tennessee, David started his first banking job as a relief Teller for Greene County Bank in Greenville, TN. In 2003, Cowles and his family moved to Greensboro, GA where he joined BankSouth, Citizens Union Bank at the time, where he has served COO for the past 14 years and EVP since 2009. David has served as a member of the board of directors for the Mountain Region Speech and Hearing Center for several years, and as Chairman for 2 years, Habitat for Humanity for five years, and the Greene County Chamber for the past 13 years where he also served as Chairman. Cowles is consistently involved in BankSouth’s community activities, including an active role with the BankSouth Foundation’s support of education and community projects.

Lottie Davenport Oconee State Bank, Watkinsville - 30 Years Lottie Davenport joined the Oconee State Bank Team on August 31, 1987. She has passionately served customers as a Teller and Senior Teller at our Main Office her entire career. Throughout this time, she has trained and mentored many team members. Lottie also has 30 years in community involvement. She has participated in numerous community engagement and volunteer opportunities in her 30 years with Oconee State Bank. The bank has a robust Volunteer Recognition Program, and Lottie is a remarkable part of that program each year. Lottie is loved and adored by customers and coworkers alike. Many of our wonderful customers choose the remarkable service they receive from Lottie and will wait in line to visit with her; this is a true testament to Lottie’s character. In both 1991 and 2005, Lottie was nominated by her peers to receive the Employee of the Year Award. Lottie truly is an icon at Oconee State Bank.

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C O R P O R AT E E V E N T S

COMMUNITY BANKERS ASSOCIATION OF GEORGIA’S

LEADERSHIP DIVISION The purpose of the Community Bankers Association of Georgia’s (CBA) Leadership Division (LD) is to promote the advancement of tomorrow’s financial industry leaders and to encourage and foster additional relationships between the CBA and its member banks. Membership in the LD gives representatives an opportunity to expand personally and professionally through networking, educational opportunities, political activism and awareness and community service. To learn more, please visit www.cbaofga.com/ leadership-division-membership.html. On this page, you will gain a better understanding of the Leadership Division, what its benefits are and what the group accomplishes year after year. We invite all CBA member banks to designate a Leadership Division Representative and join in the fun and be a part of a tremendously active and meaningful society. Membership in the Leadership Division is complimentary for CBA member banks. 2017-2018 LD Chairman Jason Rooks shares, “I am truly honored and privileged to serve as this year’s Chairman for the CBA’s Leadership Division. Our board is made up of some of the

brightest leaders and talent in community banking in Georgia. We are excited about this year and plan to make it a great one for our organization and community banking as CBA celebrates its 50th anniversary and looks forward to many more years of success.” The CBA reminds all bankers across Georgia that it’s not just about the LD Leadership Division Chair Board of Directors…it’s about all CBA Jason Rooks Leadership Division Representatives and members…every banker throughout Georgia is invited to join and participate in all the LD’s activities. The LD’s initiatives are PAC/PR fundraising, Children’s Healthcare – Childhood Cancer Research, Julian & Jan Hester Memorial Scholarship participation, Leadership Division Membership, and the newest initiative, Community Bank Leadership Academy.

GOALS FOR 2017-2018

CBA PAC/PR

CHOA

SCHOLARSHIPS

LD REPS

CBLA

Raise $28,000

Contribute $32,000 towards Childhood Cancer Research

Receive at least one scholarship application from each bank.

At least one LD Rep at each member bank

More info coming soon!

Please contact Peake Wilson at CBA’s office to learn more: (770) 541-0379 / (800) 648-8215 or peake@cbaofga.com.

BUDGETING FOR 2018? SECURE YOUR SPONSORSHIPS NOW!

Sponsorships and advertising through the Community Bankers Association of Georgia is a smart way to boost your organization’s visibility among our member banks. Request your copy of CBA’s Sponsorship and Advertising Opportunities guide as you prepare your marketing budget for the coming year. CBA will host over 50 in-person programs in 2018 which include the 50th Anniversary Convention, golf tournaments, clay shoots, Women in Banking, compliance programs, Banker Regulatory Forums and numerous schools, conferences and seminars. Each program offers the chance to develop new business leads as well as meet and network with Georgia’s community bank decision makers. CBA can customize an advertising and sponsorship package for you - designed to target your specific audience and budget. Don’t wait! Sponsorships are available on a first-come, first-served basis. For more information, contact Lindsay Greene at (770) 541-0376 or email lindsay@cbaofga.com. 1 8 | ww w.cbaofga.co m | Fal l 2017

C O R P O R AT E E V E N T S

SAVE THE DATE Day at the Capitol

Wednesday, February 7, 2018

L AL

2 0 1 7 P AC / PR

CLAY SHOOT

Don’t miss the opportunity to: • • •

Network with your colleagues Discuss key upcoming legislation Meet with your legislators

CBA’S SEMI-ANNUAL PAC/PR CLAY SHOOT A HUGE SUCCESS On Thursday, October 19th, CBA’s Leadership Division hosted another successful PAC/PR Clay Shoot. The event was held at Burge Plantation in Mansfield. To view photos, please visit www.cbaofga.com/pacpr-clay-shoot.

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BANKER REGULATORY FORUM 4TH QUARTER BANKER REGULATORY FORUM WITH COMPLIANCE FOCUS Thursday, November 2, 2017 CBA’s Headquarters, Atlanta At the November Forum, we will focus on Compliance issues. We invite you and your Compliance Officer to attend and join the discussion. As always, attendance is free to CBA members. The goal of this forum is to establish a dialogue with the state and federal regulatory agencies in furtherance of the following objectives: obtain timely, useful information from the regulatory agencies regarding their policies, procedures, techniques, and objectives; communicate information obtained from the regulatory agencies to the CBA members through timely publications; serve as a clearing house for the CBA member bank concerns, receiving information from members regarding regulatory and agency problems and issues; and, assist in the development of the CBA positions on pending, as well as existing regulations, interpretations and rules. We now cover the Agencies’ hot topics first with questions from the attendees welcome at any time. Have questions to pose to the Agencies? Contact Lori Godfrey, Director of Legislative & Regulatory Affairs, at lori@cbaofga.com or 770-541-4684. Sponsored by

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Relevant, Reliable, Industry-leading Webinars

BA is committed to superior customer service and has been a leader in webinar training for over a decade. Webinars are designed for most positions in a community bank from the teller line to the board room. Speakers are industry experts with longterm, real-life, hands-on experience. Benefits of participating in a CBA webinar are: • Easy to use, time effective, cost effective, convenient, interactive • Current topics delivered by experienced speakers

OCTOBER 2017 3 Keys to Effective Employee Recruitment, Onboarding & Retention

OCTOBER 2017 19 Understanding Loan

Participations & Syndications Part 2: Documentation, Servicing, Administration & Due Diligence

4 Surviving a TRID Compliance Exam

5 Countdown to the New HMDA Rules Effective January 1, 2018

6 Special Edition: Preparing for Reg CC Rule Changes Part 2: Operations Systems, Audit & Reporting Implications

24 BSA Compliance Series:

Job-Specific BSA Training for the Frontline: CTRs, SARs, CIP & More

25 Advanced Commercial Loan Documentation

26 Risk Management Series: Establishing or Maturing Your Vendor Risk Management Program

11 Real Estate Series: ARM

& Balloon Payments: Clarifying the Confusion

12 Call Reports: Regulatory

31 Special Edition: Preparing for the Impact of New Prepaid Card Rules Under Regulation E: Deadline April 1, 2018

Capital Requirements

13 Special Edition: Planning & Compliance Considerations for the New Fannie Mae & Freddie Mac Uniform Residential Loan Application (Morning Webinar)

NOVEMBER 2017 1 Special Edition: Working

17 Beyond EMV: Trends in Payments & What It Means for Community Banks

18 Special Edition: All About 1099 Reporting Part 1: Forms 1099-A & 1099-C: Foreclosures, Repossessions & Debt Settlements

• Continuing Professional Education Credits • Take-Away-Toolkit (consists of an employee training log and a quiz to measure staff learning) • Webinar series for Bank Directors, Compliance Professionals, Risk Managers, Leaders, and much more! Register today for a webinar training option that best meets your training needs! For the most current listing of webinars, visit www.cbaofga.com.

NOVEMBER 2017 8 Regulation E Series:

Auditing for Regulation E Compliance

9 When a Depositor Dies:

Next Steps & Best Practices

14 ACH Specialist Series:

Federal Government ACH Payments: Reclamations & Garnishments

15 Special Edition: HMDA-LAR

Changes Part 1: Procedures & Tools for Capturing the New Data Fields, Effective January 1, 2018

16 Account Documentation

Series: Accepting Powersof-Attorney on Deposit Accounts

21 Director Series: Required

Compliance for the Board & Senior Management (Morning Webinar)

with Troubled Customers: Loan Extensions, Deferments, Re-Aging, Refinancing & Incentives

28 OFAC Sanctions

CECL Loss Estimation Methodologies: Using Your Bank’s Data History to Create Workable Options

29 Robbery Preparedness for

7 Required Compliance for

Compliance: Update, Expectations & Best Practices All Staff

30 Avoiding Employee Job

Misclassification Issues: Getting It Right!

DECEMBER 2017 1 Special Edition: HMDA-

LAR Changes Part 2: Completing New Fields with No Predefined Codes, Effective January 1, 2018 (Morning Webinar)

5 BSA Compliance Series:

Job-Specific BSA Compliance for Lenders

6 Conducting a Collections Risk Assessment

7 Disaster Preparedness,

To learn more and to register, visit www.cbaofga.com or contact the CBA. Presented By

ACH Risk Management & Assessment: Risks, Controls & Ratings

19 Preparation Plan for CDD

Changes to Beneficial Ownership Rules: Effective May 11, 2018

20 New Security Officer

Training: Responsibilities, Best Practices & SkillBuilding Tools

8 Critical HMDA Issues for

HELOC Applications & Coverage Changes for Commercial Lenders, Effective January 1, 2018 (Morning Webinar)

10 Special Edition: CFPB’s TRID Amendments: Understaning the Clarification & New Expectations

12 Real Estate Series:

Mortgage Loan Disclosure Timing Issues

13 All About 1099 Reporting

Part 2: Forms 1099-INT & 1099-MISC: Vendor Payments, Prizes & Interest on Deposit Accounts

Director Series webinars are scheduled from 10:00-11:30 AM Central Time Most webinars are scheduled from 2:00-3:30 PM Central Time unless otherwise indicated. Please check the brochure copy to confirm the time. To learn more or to register, visit www.cbaofga.com or contact Jodi Swilley at Jodi@ cbaofga.com or 770-5414492.

Note: Dates/topics subject to change.

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14 Risk Management Series:

Recovery & Business Continuity

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DON’T MISS THIS ANNUAL 1½ DAY HR CONFERENCE

DECEMBER 2017

SOUTHEAST FINANCIAL HUMAN RESOURCE CONFERENCE Thursday-Friday, November 2-3, 2017 Hilton Garden Inn Atlanta NW/Wildwood

Compliance

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E D U C AT I O N

Fal l 2 0 1 7 | G e org i a Com m un i ti es F i rs t | 23

E D U C AT I O N

4th QUARTER 2017 EDUCATION PROGRAMS AND CORPORATE EVENTS

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Success

OCTOBER 2017 10/16-18 Inaugural Fraud Prevention School - Young Harris 10/19 Fall PAC/PR Clay Shoot - Mansfield 10/23-27 Commercial Lending School - Atlanta NOVEMBER 2017 11/2 Banker Regulatory Forum - Atlanta 11/2-3 Southeast Financial Human Resource Conference (1½ days) - Atlanta 11/6 Compliance Program III-GA Deposit Documentation - Tifton -New Date 11/7 Compliance Program III-GA Deposit Documentation - Macon -New Date

11/8 Compliance Program III- GA Deposit Documentation Savannah -New Date 11/14 Risk, Response, Reputation (presented by SHAZAM) - Atlanta DECEMBER 2017 12/5 A Guide to the Loan Review Process - Atlanta 12/5 Compliance Program IV - BSA/AML Compliance - Tifton 12/6 Compliance Program IV - BSA/AML Compliance - Macon 12/6 Analyzing Personal and Corporate Financial Statements and Tax Returns - Atlanta 12/7 Compliance Program IV - BSA/AML Compliance - Savannah 12/12 Compliance Program IV - BSA/AML Compliance - Rome 12/13 Compliance Program IV - BSA/AML Compliance - Duluth

ANNOUNCING THE 2018 CBA

UNIVERSITY

SCHOOLS Monday-Thursday, February 5-8

The Fundamentals of Secondary Mortgage Lending School (NEW) | Atlanta

Monday-Friday, February 12-16

Consumer Lending School (4 ½ days) | Atlanta

Tuesday-Thursday, February 27-March 1 Monday-Friday, March 12-16 Tuesday-Thursday, April 24-26 Tuesday-Friday, July 31-August 3 Tuesday-Thursday, September 25-27 Monday-Friday, October 1-5 Monday-Thursday, October 22-25

Bank Secrecy Act Officer School - The Basics | Atlanta Commercial Lending School (4 ½ days) | Atlanta Mortgage Lending School | Atlanta Advanced Bank Secrecy Act Officer School (3 ½ days) | St. Simons Island Bank Secrecy Act Officer School – The Basics | Atlanta Commercial Lending School (4 ½ days) | Atlanta Compliance Lending School (Location TBD)

Note: Dates/locations subject to change. For most current listing, visit www.cbaofga.com or contact the CBA.

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E D U C AT I O N

Bank Secrecy Act (BSA) Training:

Have You Met Your Annual Training Requirements? The Bank Secrecy Act (BSA) is the primary U.S. anti-money laundering (AML) law. This law requires every bank to have a written, board approved program that is reasonably designed to assure and monitor compliance with the BSA. This required program should consist of an annual BSA training plan for all community bankers. To help you meet this important requirement, the

CBA provides several BSA training formats designed to meet the BSA training needs of all of your staff... from the teller line to the board room. If you have new or seasoned employees who still need to complete BSA training before year-end, we invite you to consider one or all of the BSA training opportunities listed below. The CBA has been a leader in BSA training for decades and I am sure you will find the content and the faculty for our programs to be exceptional. Certificates of Completion and CPE credits are available to participants. For the most current training calendar and to register, please visit the CBA University Calendar at www. cbaofga.com or contact the CBA Education Department at education@cbaofga.com. TESTIMONIALS: “The most beneficial part of the program to me was the SAR/OFAC Update.” Ashley Hurst, Compliance Specialist Peach State Bank & Trust, Gainesville

4TH QUARTER 2017 BSA CLASSROOM PROGRAMS Compliance Program IV – Ensuring Compliance with BSA/AML 12/5 - Tifton 12/6 - Macon 12/7 - Savannah

12/12 - Rome 12/13 - Duluth

“Mark is a terrific presenter. I received a stellar audit in BSA because he gave us such great training!! The most beneficial of the training for me was the Appendix portion, references to the Appendix pages as we went through the manual.” Karen Bitler, VP/BSA/ISO Compliance/Risk Officer The Piedmont Bank, Norcross

2017 BSA WEBINAR SERIES

Below is a list of BSA webinars sorted by date of webinar along with the topics. Buy all 6 webinars and get one FREE! If the webinar has already been held, the web link may be available. The web link consists of a recording of the live webinar along with speaker handouts and an opportunity to contact the speaker with questions. The web link may be shared with other employees at no additional fee. The web link is valid for six months from date of webinar. To purchase a webinar, visit www.cbaofga.com and click the webinar calendar. For CBA assistance, contact Connie Shepard at connie@cbaofga.com. 2/8/2017 4/25/2017 6/8/2017 8/15/2017 10/24/2017 12/5/2017

FinCEN’s CDD Rules & BSA Compliance: Why Preparing Now for the Fifth Pillar is Critical BSA Compliance Hotspots: Regulators, Litigation, Policies & Procedures New BSA Officer Training Job-Specific BSA for Deposit Operations: SAR Monitoring, 314(a) Requests & CIP Job-Specific BSA Training for the Frontline: CTRs, SARs, CIP & More Job-Specific BSA Compliance for Lenders

1ST QUARTER 2018 - BSA CLASSROOM TRAINING CALENDAR BSA Officer School – The Basics February 27, 2018 - March 1, 2018 Julian Hester Training Center at CBA Headquarters, Atlanta

E D U C AT I O N

3rd Annual

2018 SENIOR RETAIL BANKING OFFICER FORUM The Georgian Club, Atlanta SessionI:I: Session January25 25 January

Session II: March 8

Session III: July 26

CPE CREDITS AVAILABLE THREE DAY PROGRAM

The Senior Retail Banking Officer Forum provides a platform and an opportunity for retail banking officers to exchange ideas freely, examine pressing issues in today’s ever-evolving regulatory, cost-conscience, and productivity-driven environment. The agenda for each session will flow based on feedback from participants in the forum group. As necessary, subject matter experts will be brought in to cover specific issues and topics based on responses from the forum members.

HOW THE FORUM WORKS... • • • •

The Forum will meet three times during the year. Several topics will be discussed at each session. Participants are strongly encouraged to suggest topics of interest. Forum participants get the benefit of working with a seasoned facilitator on a cost-saving basis. A binder based on Forum topics is compiled for each group member.

BENEFITS OF THE FORUM... • • • • • • • •

Improve your effectiveness as Senior Retail Banking Officer Discuss current industry challenges with others in Retail Banking Form lasting relationships with other Retail Banking colleagues Solve your most pressing problems Grow professionally as well as personally Discuss with peers what does and does not work CPE credits and Certificate of Completion are available to participants Much, much more!

The CBA invites individuals who are responsible for retail banking issues in their institutions to join the Senior Retail Banking Officer Forum today and enjoy this opportunity to explore collaborative solutions to challenges they face on a day-to-day basis. Membership in the program is renewed each year. To join, visit www.cbaofga.com or contact the CBA Education Department. FACILITATOR Dianne Barton, Founder and President of Performance Solutions, pioneered the “Tell- Show- Do” approach to training design and delivery. Her trademark “real world” scenarios give participants insight into the practical application of new skills. Clients describe the 20+ year veteran of training education and her programs as “high energy” and “results oriented.” Dianne’s customized training and expert consulting services provided to organizations throughout North America have made her a leader in her field.

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TESTIMONIALS “Sharing of resources – collaboration of ideas – feedback from peers – is helpful to feel like we are making progress.” Janice Tillman, Queensborough National Bank, Louisville “Dianne was great! One of my favorites so far! “ Brian Bazemore, Community Bank of Dublin – Laurens County “The whole forum was most beneficial. I loved the open dialogue and honest sharing of best practices.” Christi Donahue, Oconee State Bank, Watkinsville “I really enjoyed the class. I loved the forum setting. The most beneficial for me was the sharing of info with attendees.” Russell Ashley, BrandBank, Grayson “I love the contact with the other bankers and hearing, how they handle their products. Dianne Barton does a great job at keeping the day interesting and productive.” Donna Bellamy, Citizens Bank of Swainsboro “I liked the feedback from others with new ideas. Vendor support and experience with new software and hardware, and applications.” John Jackson, Queensboro National Bank, Louisville

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E D U C AT I O N

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MEMBER SERVICES

2018

MEMORIAL SCHOLARSHIPS

CBA’S MEMORIAL SCHOLARSHIP

APPLICATIONS ARE NOW AVAILABLE! The Community Bankers Association of Georgia (CBA) is proud to announce the 2018 Julian & Jan Hester Memorial Scholarship and the J. Steven Walraven Scholarship! The Hester Scholarship is open to Georgia high school seniors who will be entering a Georgia college, university or technical school (two year program or more) in the fall semester of 2017. The scholarship is named after the late Jan Hester, daughter of Lalia and the late Julian Hester, long-time CEO of the CBA. The four winning recipients will be awarded a $1,000 scholarship.

“CBA is pleased to assist deserving students in their first year of college while honoring the memory of Jan and Julian Hester,” stated Rob Braswell, President & CEO of Community Bankers Association of Georgia (CBA). “Thanks to the generosity of our bankers and associate members, the Education Foundation is fully funded which means the Scholarship Program is completely self-sufficient, giving support to generations of Georgia’s students in the future,” explained Mr. Braswell.

The Walraven Scholarship is awarded in the amount of $500 to a bank employee who desires to continue their education while working full-time at a CBA member bank. The scholarship is named after the late J. Steven Walraven, an active community banker who exemplified professionalism and community involvement. To compete, employees must write a short essay on how community banking has impacted their life and how it will enable them to give back to their community. Applications should be returned to the bank no later than Friday, April 6, 2018. All completed applications should be submitted to CBA no later than Friday, April 13, 2018. Only complete applications will be eligible. A panel of independent judges will review the applications and winners will be announced in late April 2018.

Please visit www.cbaofga.com to download the scholarship application and encourage participation from your community. For more information on the Hester Scholarship, please contact Peake Wilson at peake@cbaofga.com. For information on the Walraven Scholarship, please contact Jeremy Thomens at jeremy@cbaofga.com. CBA's Leadership Division proudly assists with this initiative.

2018 BARRET SCHOOL OF BANKING

SCHOLARSHIP Deadline to apply is December 1, 2017! CBA is proud to announce a scholarship for a Georgia community banker to attend the 2018 session of the Barret Graduate School of Banking as a first-year student. The Barret School of Banking is a non-profit independent school created by and governed by a Board of Regents, whose members are executives from banks and other firms involved with the financial services industry. The mission of the School is to provide an adult learning experience for the career-oriented individual in commercial banking or a related financial services industry business.

The scholarship includes both tuition and housing for for a student for the first year at the 46th Annual Graduate Session of the Paul W. Barret, Jr. School of Banking which will be held May 20-25, 2018 at Christian Brothers University in Memphis, TN. For more information visit cbaofga.com/barret-school-ofbanking. The deadline to apply is December 1, 2017.

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M M EEM MBBEERR SS EERRV VIIC CEESS

2017

SALARY & CASH COMPENSATION SURVEY NOW AVAILABLE!

2017 SALARY SURVEY AVAILABLE FOR PURCHASE! The 2017 Salary and Cash Compensation Survey contains salary and cash compensation (salary + annual cash incentive/ bonus) data for approximately 20 executive positions and over 100 middle management and staff level positions from 138 community/regional banks. Data is broken out by asset size and regional location (coast, non-coast, and Georgia), where available. In addition, this survey summarizes actual cash bonuses paid for 2016 performance as a percent of salary as well as the potential earning opportunity under a performance-based cash incentive plan at target and maximum performance levels, where available. The purpose of this survey is to provide salary, annual cash incentive/bonus, and cash compensation data to help manage effective and competitive base salary and annual cash incentive/ bonus decisions.

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A summary of the 2017 Survey is available to download on the our website, at www.cbaofga.com/salary-survey. This summary provides an overview of the data cuts, included positions, and list of participants. Please contact Laura Roth at 612-886-1225 or laura@blanchardc.com if you have any questions, or if you would like to purchase a copy of the survey findings. PRICING Participating members

$250

Non-participating members

$500

Non-Members

$800

A leader in Correspondent Banking yesterday, today & tomorrow. Leadership, experience, technology, innovation, strength, and satisfaction…these are the expectations of our correspondent banking clients. As one of the leading correspondent banks in the country, we are uniquely qualified to deliver on these expectations. Let us help you work to your strengths. Know where you’re going by working with someone who’s been there. We know this business inside and out. We know where it’s been, and where it’s headed. We’re here to create opportunities for your success. To learn more about the BBVA Compass correspondent banking services, visit bbvacompass.com/fig For general questions regarding the BBVA Compass correspondent banking services call us at 1-800-644-3330 or contact our correspondent banking experts. Brad Reeves • SVP - 813 505 7503 - brad.reeves@bbva.com T. Ray Sandefur • SVP - Credit Services - t.ray.sandefur@bbva.com Michael Burnap • SVP - Customer Service - michael.burnap@bbva.com Bob Freeman • EVP, Director - bob.freeman@bbva.com

All loans and accounts subject to approval, including credit approval. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. Rev. 05/2017 / #4183

MEMBER SERVICES

WELCOME NEW CBA

ASSOCIATE MEMBERS! The Community Bankers Association of Georgia (CBA) would like to welcome new Associate Members who were recently approved by the CBA Board of Directors. Throughout the year, CBA’s Board approves quality vendors who provide products

and services to CBA members. Make sure your vendors are CBA members – please refer any potential Associate Members to Lindsay Greene at lindsay@cbaofga.com.

Adams and Reese, LLP Mr. Phil Buffington Legal Services Atlanta

BancLeasing Mr. Casey Averitt Leasing Services Plano, TX

Bank Compensation Consulting, Inc. Ms. Stephanie Rogers Compensation & Executive Benefit Plans Plano, TX

Dover Staffing Ms. Sanquinetta Dover Staffing Atlanta

Fifth Third Securities, Inc. Mr. Patrick Roberts Asset Management/Brokerage Services Atlanta

HomeTown 401(k) Mr. Merv Rudner Financial Services Atlanta

i7strategies Mr. David Peterson Consulting Hahira

Konica Minolta Mr. Chris Schultz Processing and Technology Services Atlanta

National Check & Currency Mr. Mark Ochab Financial Services Bernardsville, NJ

Publix Presto! Network Mr. Ryan Herzek ATM Services/Debit Network Program Lakeland, FL

Quirk & Quirk, LLC Mr. Douglas Ford Legal Services Company Atlanta

York & Associates, LLC Ms. Carrie York Executive Search Port Charlotte, FL

Quality. Expertise. Trust. Because You Deserve It • • • • •

External Audit Internal Audit Outsourcing Sarbanes-Oxley Act Consulting Risk Management Services Tax Consulting and Preparation

north georgia Ian Waller iwaller@nicholscauley.com

• • •

Regulatory Compliance Consulting Risk Assessment Consulting Information Technology Consulting

• •

Internal Control Evaluations Merger & Acquisition Assistance

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De Novo Consulting Loan Review Strategic Planning Valuation Services

south georgia Tim Veal tveal@nicholscauley.com

Financial, Compliance and Risk Management Services Offices Across Georgia | 800.823.0117 | www.nicholscauley.com

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MEMBER SERVICES

The Community Bankers Association of Georgia

2018 ADVERTISING OVERVIEW

Reserve Your Ad Space Today!

If you want to target top decision makers in Georgiaâ&#x20AC;&#x2122;s community banking industry, you will find the Community Bankers Association of Georgia (CBA) offers numerous ways to help you accomplish your goals and stretch your marketing dollars. Show your support for CBA and promote your business at the same time.

CBA Today E-Newsletter Advertising

Georgia Communities First Quarterly Magazine

Published weekly, CBA Today has a distribution of over 5,000. This electronic newsletter includes information on upcoming association events, educational opportunities, associate members, Endorsed Member Companies, membership updates, legislative and regulatory news. All ads will link directly to your home page or a link of your choice.

Published quarterly, Georgia Communities sFirst First magazine includes features on CBA GeorgiaCommunitie members, education programs, industry trends, association events including convenBOSTON tions, financial products, services and more. BOARD The magazine is delivered to bank CEOs, BOAR D Leadership Division Representatives, Associate Members, officers of regulatory agencies and other community banking associations across the country. SUMMER

n of Georgia

Official Publication

2017

y Bankers Associatio of the Communit

INSIDE Successful

BOU ND FOR

IP LEADERSH N DIVISIO

ON CONVENTI Meet the New P DERSHI

LEA

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1x Back Cover $1250 Inside Front Cover $1150 Inside Back Cover $1050 Full Page $850 Half Page $650 Quarter Page $450

2x $1225 $1125 $1025 $825 $625 $425

3x $1200 $1100 $1000 $800 $600 $400

4x $1175 $1075 $975 $775 $575 $375

1 month $400

Spring (published in March) February 1, 2018 Summer (published in July) June 1, 2018 Fall (published in October) September 4, 2018 Winter (published in January) December 1, 2018

Your company name and logo will be featured on the email delivery of the e-newsletter. Sponsorship includes your company logo and a link to your home page or link of your choice. 1 month $500

CBAâ&#x20AC;&#x2122;s website, www.cbaofga.com, is the source of information on educational programs, events, industry articles, legislative updates, convention information and much more. Ad space is available on a monthly basis and can link to your home page or the destination of your choice. 1 month $325

6 months $1500

3 months $1200

6 months $2100

Online Georgia Financial Directory CBA's online directory is available 24/7. The directory features information on both CBA member bank and associate members.

6 months $850

12 months $1500

Printed Georgia Financial Directory

CBA Home Page & Interior Page Advertising

12 months $2600

CBA Today E-Newsletter Sponsor Delivery

*per issue

Ad & Payment Deadlines

6 months $1800

12 months $3000

The 2018 Georgia Financial Directory is your complete resource within the Georgia financial industry and contains information on banks, holding companies, savings & loans, banking products and services, and more. Since all CBA members receive a free copy, advertising in the directory is a smart way to keep your company in front of our membership throughout the year.

Inside Front Cover (4 color) Inside Back Cover (4 color) Outside Back Cover (4 color) 1-sided Tab Page (black/white) 2-sided Tab Page (black/white)

$900 $800 $900 $750 $1250

To reserve your ad or for more information, please contact Lindsay Greene at lindsay@cbaofga.com or (770) 541-0376. Fal l 2 0 1 7 | G e org i a Com m un i ti es F i rs t | 33

MEMBER SERVICES

AVOIDING THE PITFALLS:

SOUND INVESTMENT MANAGEMENT FOR COMMUNITY BANKS Community banks are wise to use the bond portfolio in the traditional manner: as an earning asset, a store of liquidity and safety, and a vehicle with which to manage interest rate risk. This is the essence of the “systems approach” or the “Baker Method” of investment portfolio management. The portfolio is not a place in which to “time” the market, hold illiquid assets (or those not easily modeled), or take on undue credit risk. The bonds held in the portfolio should have some sort of government sponsorship or backing (e.g. high-grade municipals, agencies, MBS), and should be highly salable in the secondary market—that is, easily converted to cash. Importantly, purchase decisions should be made based on the posture of the total balance sheet, liquidity needs, and other macro metrics of the total bank, not on a directional “bet” on interest rates or the Fed. Begin with a Bird’s Eye View Assuming we’ve made the commitment to stick with high quality bonds, how should we manage the investment portfolio in terms of risk and reward? The first order of business is to look at the big picture. We must determine how the bank’s balance sheet is situated with respect to re-pricing and maturing volumes of assets versus liabilities. What are the rate differentials between what is rolling off and the new balances being added? How does our forward liquidity look and how stable is that liquidity? Do we have an exposure to rising rates or to falling rates in terms of projected changes in net interest margin and capital at risk? We simply cannot make good bond purchase decisions without first delving into the asset/liability position of the overall institution. Yield, Cash Flow, and Market Value - Managing the Moving Targets Once we clearly understand the balance sheet profile, we can drill down to the investment portfolio to assess our strategic options there. In this phase, we focus on the management of three variables: yield, cash flow, and market value (or price sensitivity). The essential problem is that all of these variables are moving targets. The portfolio yield will drift up and down depending on cash flow fluctuations, reinvestment rates, and the premium versus discount prices of the bonds that are owned. Cash flows fluctuate because of the options risk attached to or embedded within bond structures themselves. The market value of individual bonds (and entire portfolios for that matter) will rise and fall in tandem with the variation in cash flows and the degree of yield drift. 3 4 | ww w.cbaofga.co m | Fal l 2017

It is critical that banks have an investment portfolio reporting system that contains good analytics for measuring cash flow, price sensitivity, and options risk. Ideally, this type of system will integrate with a sound asset/liability management model to produce investment analysis that helps us make decisions that are optimal for the entire balance sheet and overall financial performance. Relative Value Analysis – Making Purchase Decisions After reviewing the balance sheet and portfolio analytics, we can then move to the security selection phase where we decide what bonds or bond-sectors we should consider. In many cases there are clear-cut reasons for choosing one sector over another. For example, a bank’s tax position may dictate that it can use more tax-exempt income, so it should take a good look at municipals. Another bank might need to smooth out its cash flow profile over a period of years, so a clean structure mortgage-backed security might be the best vehicle for accomplishing that. There are times, however, when there is no obvious sector for a bank that has funds to invest. At these times, we look at the relative yield spreads between and among different types of bonds to see what is rich or cheap at a point in time. Use the portfolio as a means of achieving high performance for the bank overall. Define, measure, and manage the interest rate risk of the total bank, then structure the investment portfolio in a manner that will enhance earnings and build long-term shareholder value for the institution. Jeffrey F. Caughron is a Managing Director with The Baker Group, where he serves as President and Chief Executive Officer. Caughron has worked in financial markets and the securities industry since 1985, always with an emphasis on banking, investments, and interest rate risk management. For more information, contact Jeffrey at 800-937-2257 or jcaughron@GoBaker.com.

Jeffrey F. Caughron President & CEO The Baker Group A CBA Endorsed Member Company

MEMBER SERVICES

THE INS AND OUTS OF FIDUCIARY OUTSOURCING FOR COMMUNITY BANKS

With retirement plans becoming ever more complicated, outsourcing of fiduciary investment responsibilities has steadily become more commonplace. This is especially true in the case of the C-Suite at community banks, which can find outsourcing very appealing. Not only is the passing along of fiduciary responsibilities one less burden for community bank managers, allowing them to focus on day-to-day business and obviating the need for them to become qualified plan experts, but the practice can also serve to insulate them and their bank from a number of risks. Outsourcing to a sanctioned third-party fiduciary guarantees that a given plan’s documentation is up to date, complies with all laws and regulations, and delivers appropriate disclosures to plan participants and sponsors. Further, if a plan is large enough (meaning it has roughly 100 to 120 participants) it requires an independent auditor – the selection of which again can be provided by the external fiduciary, saving the community bank time and money. (It should be noted that investment fiduciary outsourcing can be appropriate for defined benefit and defined contribution plans of all sizes.)

If there are record-keeping errors made by the outside fiduciary, it is that fiduciary’s responsibility to make amends, including making up any monetary shortfall. In the unlikely case of a participant-filed lawsuit, the outside fiduciary is again front and center, providing the defense in the case and making good on any claims or settlements. The bank’s board and senior management are insulated from responsibility; even though the plan ultimately belongs to the bank, it is the named fiduciary who holds the liability in such instances. Such an arrangement can also be of value in the case of multiple employer plans (MEPs), an employee benefit plan that can be maintained as a single plan in which two or more unrelated employers participate. As each bank has its own separate boards of directors, the advantages of having an independent fiduciary to manage and administrate the plan are readily apparent.

For more information, contact Wade Connor at 704-608-4563 or wade. connor@pentegra.com.

In addition, the day-to-day management of a plan involves, among other things, making sure the plan is running as it should be; nuts and bolts record-keeping; and administrative decisions about such issues as a plan participant’s request for a loan or a hardship distribution. Arranging the responsibilities of a third-party fiduciary should be fairly easy to customize; one can outsource all of the above or cherry-pick whichever duties one wishes on an ala carte basis. All a community bank needs to provide a reputable third-party fiduciary is data on the plan participants; the money involved with the plan; and a commitment to regularly review the plan’s performance (usually once a year). In that way, any questions or concerns can be addressed efficiently. (Of course, any issues that rise before the review date can also be discussed at any time.)

Wade Connor Regional Director Pentegra Retirement Services A CBA Endorsed Member Company

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MEMBER SERVICES

ALTERNATIVE LENDING STRATEGY

Financial Institutions are considering alternative ways to generate interest-income in a persistently low rate environment. Community Bankers have found this even more challenging as they compete against large regional and national banks who are entering their respective lending area and capturing existing loan customers with overly-aggressive prices, terms and conditions. The challenge facing bankers is how to efficiently deploy deposits to grow and diversify their loan portfolio while achieving maximum profitability. Indirect Lending is strategy many Georgia Bankers are exploring in order to grow and diversify their loan portfolios. By leveraging and maximizing partnerships with third-party loan providers, this is proving to be an extremely efficient and profitable way to generate quality loan volume with minimal operational expense. Specialty Finance Companies are a valuable resource to your organization by providing cost-effective lending solutions in order to produce interestincome while expanding your bankâ&#x20AC;&#x2122;s loan portfolio. This also gives your bank the opportunity to reduce concentration levels in other asset classes which helps your banks overall portfolio diversification strategy. Aside from asset class diversification, these providers can also help geographically diversify your loan portfolio.

implemented, your institution will be able to answer examiner questions to their satisfaction while having immediate access to a dedicated Relationship Manager to ensure the ongoing success of the program. Triad Financial Services, Inc. is a specialty finance company serving the manufactured housing industry since 1959. With over 130 financial institutions purchasing loans in 43 states, Triad is also an Endorsed Service Provider with Community Bankers Association of Georgia. A niche specialty lender focusing on prime credit borrowers, Triad has a long standing reputation for providing high quality, secured loans in the most efficient manner possible. Triadâ&#x20AC;&#x2122;s Loan Origination and Loan Servicing platform allow banks to fully utilize our industry expertise while growing a diverse, secure and profitable loan portfolio for their financial institution. Numerous Georgiabased banks are currently partnering with Triad. Your bank should consider Triadâ&#x20AC;&#x2122;s, proven turnkey solution when exploring ways to generate high-performing loans.

For more information, contact R. Keith Stayer at 800-522-2013 or kstayer@triadfs.com.

It is imperative that bankers conduct extensive due-diligence on these providers to ensure they are partnering with an experienced and reputable third-party organization. Typically the provider will have extensive due-diligence items including references readily available and have seasoned experts on staff to walk your bank through the program specifics and implementation process while answering all questions in a timely manner to your leadership team. The due diligence process can be lengthy but once the program is properly

R. Keith Stayer Senior Vice President Triad Financial Services, Inc. A CBA Endorsed Member Company

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Enhance your revenue. Improve your bottom line. community bankers association of georgia

Endorsed Member Companies

ACG | Refurbished ATMs/Currency Counting Phil Winn | Phil.Winn@acgworld.com | (770) 442-9800

Harland Clarke | Check Program Doyle Baker | doyle.baker@harlandclarke.com | (678) 382-1446

ATM Response | ATM Service & Cash Logistics Tony Webb | twebb@atmresponse.com | (770) 855-2989

Investment Professionals, Inc. (IPI) | In-Bank Retail Investment Services Jake Pollard | jake.pollard@invpro.com |(256) 543-6120

Bahr Consultants, Inc. | Insurance Review Hank Bahr | hank@bahrconsultantsinc.com | (865) 694-6098

Kasasa | Branded Suite of Banking Products Jordan Baltazor | Jordan.Baltazor@kasasa.com | (512) 349-4475

Banc Consulting Partners | Executive Benefits/BOLI Brian Miller | bmiller@yourbankpartner.com | (770) 485-8559

Pentegra | 401k/Retirement Planning Wade Connor | wade.connor@pentegra.com | (704) 608-4563

BankersEdge/OnCourse Learning | Online Training Craig Johnson | cjohnson@oncourselearning.com (404) 476-3460

SecureWorks | Managed Internet Security Program Skip Taylor | staylor@secureworks.com | (215) 527-8205

For more information on these providers, special discounts for CBA member banks, or to learn about the endorsement process, contact Lindsay Greene at (770) 541-0376 or lindsay@cbaofga.com. Fal l 2 0 1 7 | G e org i a Com m un i ti es F i rs t | 37

PRESORT STANDARD U.S. POSTAGE PAID ALPHARETTA, GA PERMIT 864

1900 The Exchange, Suite 600 Atlanta, GA 30339 www.cbaofga.com

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