It’s Not Just a Building...
It’s Home. Community Investment Corporation of the Carolinas is a lending consortium of more than 100 southeastern financial institutions, working together to provide permanent financing that supports the development of high-quality affordable multifamily housing in the Carolinas, Georgia, Tennessee, Virginia and West Virginia. Since 1990, CICCAR members have funded more than $250 million in loans, creating 15,000 units in over 300 properties. In return, they receive the benefits of loan growth, CRA credit and the satisfaction of creating “home” for nearly 50,000 people. Call today to learn more about the ways that membership in CICCAR can benefit your bank, and the communities you serve.
Community Investment Corporation of the Carolinas
CICCAR
P.O. Box 19999, Raleigh, NC 27619 Toll free: (800) 662-7044 Local: (919) 781-7979 www.ncbankers.org/CICCAR
@CICCarolinas
Jason Caskey, CPA Financial Services Practice Chair
Not all of a bank’s assets are found on its balance sheet.
More than 100 banks in the Southeast, large and small, depend on Elliott Davis for personal attention, industry experience and services, including external and internal audit, SEC reporting, taxation and compliance. Our financial services practice is 90 professionals strong, with a 60-year reputation for helping banks operate stronger, wiser, better. Let us know how we can be an asset to you.
Georgia • North Carolina • South Carolina • Virginia www.elliottdavis.com
Trusted.
Lending. Partner. "We are very pleased with the recent Holding Company Loan we acquired from TIB. The entire process was smooth and we were very impressed by the level of professionalism we witnessed at each stage - application through closing. Our entire Board of Directors is grateful to TIB and their staff of experienced banking professionals." Jim Smith, President & CEO Sandhills Holding Company, Inc. North Myrtle Beach, SC
Call Mac Cochrane Today Member FDIC
(704) 620-8841 www.mybankersbank.com
Trusted. Partner.
TOMORROW’S
FUTURE BEING BUILT
TODAY
AMERICAN MORTGAGE CONFERENCE Raleigh Marriott Crabtree Valley September 8-10 For More Information Contact Brianna Karmi, Meetings Coordinator 800/662-7044 or bkarmi@ncbankers.org
Trust in Accurate Property Reports Meet FDIC regulations without breaking the bank. CRS Data Banker Suite helps lenders comply with Interagency Appraisal and Evaluation Guidelines—and save money doing it.
The Banker Suite can help you be more efficient, more compliant and more profitable. This comprehensive, customizable, easy-to-use database
helps you stay fully compliant with all 8 points of Interagency Guidance while saving time and money. Learn more online at crsdata.com/banking
crsdata.com/banking ©2014. CRS, Courthouse Retrieval Systems. All Rights Reserved.
CRS Data
Helping you achieve your branch transformation goals to satisfy the custom in every customer.
The in-branch demands of your customers are various. Some demand simple transaction speed. ® Others require extensive personal attention. Diebold Opteva Branch Performance SeriesTM ÌiÀ > à ÜiÀi `ià } i` Ì «À Û `i Ì i y iÝ L ÌÞ Ì Àië ` > } Ì i i Ì Ài ëiVÌÀÕ v Ì iÃi needs. In the process, you can achieve your branch transformation goals. Your customers are Ã>Ì Ãw i`° 9 ÕÀ Ìi iÀà >Ài vÀii` Õ« Ì VÀi>Ìi } iÀ Û> Õi Ã> ið ̽à > Ì iÀ iÝ> « i v Ü Diebold is satisfying the personal tastes of both customers and the branches that serve them.
For the entire story, visit www.diebold.com/newinnovation.
requests@diebold.com www.diebold.com
F O C U S
O N
S O L U T I O N S
Inconsistent fee policies chip away at your noninterest margin. Waived fees and discounted rates are a double-edged sword: They help retain customers and build market share...
%
...but if they’re too big and indiscriminate, revenue can suffer.
Banks need data-driven policies for waived fees and NSFs.
SNL Banker helps you target discounts to set stricter fee policies and protect margins. Fees & Refund Trends Report
›
SCBA members: Learn how to preserve your noninterest margin and solve five other common banking challenges. Contact Julie Jones at 434.951.4419; partners@SNL.com.
Six SC Banks Recognized for Excellent Participation with BDC and CDC Six South Carolina banks were recognized during the 2014 annual meetings of BDC and CDC for their excellent participation in 2013. BDC Awards >> First Citizens Bank – Greatest # of Loans Approved in 2013 >> SCBT – Participating Member Award >> GrandSouth Bank – Participating Member Award CDC Awards >> First Citizens Bank – Greatest # of Loans Approved in 2013 >> First Community Bank – Participating Lender Award >> Vista Bank – Participating Lender Award
SC CAP Award >> The Palmetto Bank – Participating Lender Award SC SSBCI CAP Award >> The Palmetto Bank – Participating Lender Award SC SSBCI Loan Participation Award >> SCBT – Participating Lender Award
BDC partners with banks in South Carolina to bring small businesses the most innovative lending solutions. To learn more about how your bank can partner with BDC, give us a call today at 803.798.4064 or visit us online at BDCofSC.org.
KNOW WAY.
At AloStar, we take great pride in Starlink, our online services platform. It’s intuitive, streamlined, and gets great reviews from clients. Having a complete spectrum of correspondent banking services is only part of what it takes to be a strong correspondent banking partner. The way those services are accessed has to be every bit as streamlined as the services themselves. We know the kind of help you need. And we know how you need it delivered. That’s know how.
CORRESPONDENT SERVICES-
BALANCE SHEET MANAGEMENT | BOND ACCOUNTING | INVESTMENT STRATEGIES
CLEARING FUNDS MANAGEMENT | FED FUNDS | INTERNATIONAL SERVICES | SAFEKEEPING
ADVISORY SERVICES-
STRATEGIC BALANCE SHEET MANAGEMENT | STRATEGIC PLANNING | PROFITABILITY ENHANCEMENT
C O R R E S P O N D E N T C R E D I T-
MEMBER FDIC
ASSET BASED LENDING
K N O W M O R E : C B S . A LO S TA R B A N K . C O M | 8 6 6 - 2 1 9 - 9 0 3 5
2014 Young Bankers Division Scholarship Golf Tournament Sponsorship Opportunities Available
September 22, 2014 - Members Club @ Woodcreek, Elgin, S.C.