The Mississippi Banker - September October 2014

Banker THE MISSISSIPPI

MBA Enters World of Social Media

VOLUME 99 • NUMBER 2

SEPTEMBER/OCTOBER 2014

We’re Building A Strong Foundation The Mississippi Bankers Association has established the MBA Education Foundation to support scholarship and financial education programs of the association and its member banks.

To learn how you can make a difference through the MBA Education Foundation, contact Mac Deaver, Secretary-Treasurer at (601) 948-6366 or mdeaver@ msbankers.com

P.O. Box 37 • Jackson, MS 39205-0037 • (601) 948-6366 ȱ ȱ ȱ ȱśŖŗǻ ǼǻřǼȱ Ȭ ęȱ ȱ ȱ ȱ ȱ ȱ ȱ ȱ ¡Ȭ ȱ ǯȱ ȱ ȱ¢ ȱ ¡ȱ ȱ ȱ ȱ ȱ ¡ȱ ¢ȱ ȱ¢ ȱ ǯ

FOUNDED 1889

OFFICERS Chairman Freddie Bagley, Brandon Vice Chairman George Marx, Hazlehurst Treasurer Frank Sibley, Marks President McKinley W. Deaver, Jackson

BOARD OF DIRECTORS Terms Expiring 2015 Mary Childs, Ripley Bill Freeman, Newton Wes Fulmer, Biloxi Brad Jones, Meadville Lorann Paige, Bay Springs Alan Walters, Jackson Terms Expiring 2016 Johnny Barrett, Oxford Robert Gage, Port Gibson Buddy Mortimer, Kilmichael Art Stevens, Jackson Terms Expiring 2017 Dennis Ammann, Mendenhall Greg Cronin, Biloxi Bobby Steinriede, Hollandale Mitch Waycaster, Tupelo James Wicker, McComb

The official publication of the Mississippi Bankers Association Rachel Chew • Editor Volume 99 • Number 2 • September/October 2014

Features “A Banker in Every Classroom” ...........................................10-11 MBA’s Fourth Annual “A Banker in Every Classroom” set for November 3-7

MBA Annual Washington Visit...........................................12-13 MBA Chairman Freddie Bagley leads annual visit to nation’s capital

MYB hosts Leadership Conference, Golf Tournament.........14-15 Annual events promote consumer education, support scholarships

MBA Communications Conference ......................................... 17

Bankers gain insight into emerging trends in banking

MBA Compliance Conference ................................................. 18 Over 100 MS bankers attend compliance conference

Ex-Officio Members Freddie Bagley, Chairman, Brandon George Marx, Vice Chairman, Hazlehurst Frank Sibley, Treasurer, Marks Odean Busby, Retiring Chairman, Magee H. Gregory Taylor, Preceding Chairman, Holly Springs

STAFF President ............................... McKinley W. Deaver Senior V.P., Operations.........................Amy Davis V.P., Government Relations.......... Gordon Fellows Programs Manager...........................Lori Richardson Marketing Manager....................... Brooke McCoy Business Manager................................... Gail Sykes Manager of Insurance Services.........Sherell Taylor Manager of Communications ............ Rachel Chew Administrative Assistant...................... Amber Parker

40-, 50-year clubs................................................................24-25 Bankers recognized for years of service to the industry

Departments From the President ..............................................................................................................2 Around the State ............................................................................................................. 3-5 Good Neighbors.............................................................................................................. 7-8 Calendar ...........................................................................................................................19 Bankers on the Move................................................................................................... 26-28 Classified Ads .............................................................................................................. 30-31 American Bankers Association...........................................................................................32 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone (601) 948-6366. Periodicals Postage paid in Jackson, Mississippi.

YOUNG BANKERS SECTION President................ Michael Schloegel, Gulfport Vice President...........Parker England, Greenville

POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037.

The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements.

Printed By Hederman Brothers, Ridgeland, MS

SEPTEMBER/OCTOBER 2014

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From the President THE MISSISSIPPI BANKER

Ready, set, tweet!

MBA enters world of social media

By Mac Deaver, MBA President media sites. The study, however, goes on to state that a high percentage of the Boomer (ages 46-64) and Senior (ages 65 and up) populations also engage in social media. In an effort to make sure we as an organization are communicating to all of our member banks, their employees and the general public in the most effective and sometimes preferred method, the MBA needed to engage in social media.

MBA’s presence on Twitter, Facebook and Instagram allows us to give instant access to information about association activities and industry developments, as well to deliver messages about the positive impact of Mississippi banks and bankers. In addition, through social media we can share the many resources available to our members through our organization and the American Bankers Association.

We can now more effectively target messages to particular audiences, and get feedback from those audiences. I am excited about the many opportunities that social media opens for the MBA and our members.

As someone who has come to social media slowly and cautiously, I am quickly learning about the many ways it can benefit the MBA and its members.

Among other things, social media allows us to reach persons we would never otherwise reach – and to do so instantly. It is a cost-effective means of promoting the MBA and our members, and telling the story of how Mississippi’s banks play a positive role in our state and its communities. We can magnify the voices of others whose messages support our mission, and in the process cement important partnerships with other organizations and individuals. Additionally, social media will allow the MBA to get input and feedback from our members and the general public. Responses to our messaging can only help us be more effective.

As we launch social media platforms, the MBA will continue to communicate by other, more traditional means. As social media increases awareness of our A snapshot of the MBA twitter page and a few tweets association and its message, we will that have already been published. work to improve our publications, our

On September 17, the MBA announced our entry into the world of social media.

While many took this plunge some time ago, this represented a big step for our association. Our leadership endorsed this step as a way to improve our communication with member banks and their employees, as well as with the general public. Our goal is to utilize social Deaver media to help us do a better job of promoting a successful banking industry through advocacy, education and communication.

As many of you are aware, the multiple ways an organization communicates with its market is rapidly and constantly changing.

According to a 2014 Issue Study by the ABA, Gen Y (ages 21-30) and Gen X (ages 31-45) consumers are the most frequent users of social

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THE MISSISSIPPI BANKER

website (www.msbankers.com), and other communications vehicles. Our objective is to make all elements of our communications program compatible and interactive. Links to the MBA website and other internet sources will be important to the success of our social media program.

It is no coincidence that we announced our entry into social media at the Mississippi Young Bankers Leadership Conference. One of our objectives is to increase industry involvement by emerging leaders in Mississippi bank. We believe social media will enable us to do this more effectively.

I urge each of you to follow the MBA on social media and to encourage others to do so. You can easily find us on the social media platform of your choice by searching our coordinating username: Twitter

@msbankers.com Instagram

@mississippibankers Facebook

Mississippi Bankers Association Follow us, like us and share our information! We encourage you to share our tweets and posts with your network as well. Help us to get the good news out about what banks are doing in communities across our state!

Rachel Chew, MBA manager of communications, has done a great job in launching our social media effort. Please give Rachel your feedback and suggestions. Your support will help the MBA accomplish amazing things through social media.

Around the State THE MISSISSIPPI BANKER

Wilson retires as State Banking Commissioner On September 30, Jerry Wilson retired as State Banking Commissioner, ending two years and three months as head of the Mississippi Department of Banking and Consumer Finance.

Wilson came to the commissioner’s office on July 1, 2012, less than a year after retiring as CEO of BankFirst Financial Services in Macon. His service as commissioner began following his appointment by Governor Phil Bryant and confirmation by the State Senate.

As commissioner, Wilson led oversight of state-chartered banks, savings institutions and credit unions, as well as other financial entities under supervision of the department.

During his tenure, Wilson was successful in maintaining the high standards of the Mississippi department among state banking regulators. He dealt effectively with budget matters, which was critical to retaining and upgrading

the DBCF professional staff. He oversaw plans for the relocation of the department to expanded facilities, which will occur this fall. This move will allow for more proficient examinations, including an increase in off-site exam work. Wilson’s service as commissioner came during a time of economic uncertainty and unprecedented growth in federal regulation, both of which created challenges for DBCF and state-chartered institutions. As Wilson departs, the Mississippi department supervises 70 state-chartered banks with $59.6 billion in assets.

Upon hearing the news of Wilson’s retirement, many in the Mississippi banking community expressed appreciation for his accomplishments as commissioner. MBA Chairman Freddie Bagley said: “In addition to effectively managing and reorganizing the department, Jerry Wilson proved to be a powerful advocate for our state banks in dealing with federal regulators.” “ O u r s t a t e ’s bankers and all Mississippians owe Commissioner WilSERVING OUR CLIENTS FOR OVER A CENTURY son a tremendous BRUNINI IS PLEASED TO ANNOUNCE debt of gratitude THOMAS E. WALKER, JR. for his support of a HAS JOINED THE FIRM IN THE JACKSON OFFICE strong and successful banking industry in our state,” said Mac Deaver, MBA president.

Wilson became commissioner after a career in banking that spanned over 40 years. During his time at BankFirst, he Mr. Walker’s areas of practice include financial services, corporate, commercial and regulatory matters. Along with prior experience saw that bank’s assets in private practice, Tom also has community banking executive grow from $46 milmanagement experience as a COO and CFO. In addition to receiving two accounting degrees from Mississippi State University and a J.D. lion in 1984 to more from Ole Miss, Tom is also a 2014 Graduate of the Graduate School of than $700 million Banking at LSU. at his retirement in JACKSON • BILOXI • COLUMBUS • WASHINGTON, D.C. 2011. His career www.brunini.com included service as community bank president of Peoples

Commissioner Wilson Bank, Grenada, and as auditor and loan review officer at BancorpSouth. From 1967 to 1969, Wilson served as an assistant bank examiner with the Office of the Comptroller of the Currency.

Wilson holds a bachelor’s degree in banking and finance from Mississippi State University, and he is a graduate of the Graduate School of Banking at LSU. During his banking career, he was very active in the Mississippi Bankers Association, serving on the MBA Board of Directors from 1989-1992. He served on the board of the Mississippi National Banker’s Bank from 2007-2011. He also represented Mississippi banks as a member of the Mississippi Guaranty Pool Board which assists the State Treasurer in overseeing the collateralization of public deposits.

Wilson is a former president of the Noxubee County Chamber of Commerce and a recipient of the chamber’s Man of the Year award. He also is a past chairman of the Macon-Brooksville Rotary Club and has received the club’s E. G. Flora Service Award.

He is married to the former Mary Earl Carver.

They have three sons and four grandchildren.

FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST. This notice is authorized by Granville Tate, Jr., Chairman 190 East Capitol Street, Suite 100, Jackson, MS 39201

SEPTEMBER/OCTOBER 2014

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Around the State THE MISSISSIPPI BANKER

Yates appointed trustee of board of directors At Graduate School of Banking at LSU Max Yates has been appointed as Mississippi’s banker-trustee on the Board of the Graduate School of Banking at LSU. He begins his service at the board’s October meeting.

A 2000 graduate of GSB at LSU, Yates is senior ex- Yates ecutive vice president and chief risk officer of BankPlus in Ridgeland.

Previously, he served a term on the Mississippi Bankers Association board of directors from 2011 to 2014, and he was elected to the association’s executive committee for the final year of his board term. Yates’ industry involvement is extensive, including membership on a number of MBA committees. Currently, he is chairman of the Mississippi Guaranty Pool Board, which supports State Treasurer Lynn Fitch in overseeing the collateralization

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of public funds.

Yates succeeds Art Stevens of Trustmark Bank, Jackson, as Mississippi trustee. He joins Mac Deaver, MBA president, on the GSB board. Deaver begins a two-year term as chairman at the October meeting.

The Graduate School of Banking at LSU is cosponsored by the MBA and 14 other state bankers associations. The school’s board of trustees promotes the school to bankers in their respective states.

The Mississippi banking industry has a major presence at GSB, with over 1,500 Mississippi bankers having graduated from the school since it was established in 1950.

THE MISSISSIPPI BANKER

MissBankPAC supports Speaker Phillip Gunn Mississippi bankers participated in a golf tournament hosted House Speaker Phillip Gunn on September 16 at Deerfield Country Club. Pictured are (L to R) Robbie Barnes of PriorityOne Bank, Magee; Jeff Lacey of Renasant Bank, Madison; Speaker Phillip Gunn; and John Murphy, BankPlus, Clinton

Around the State THE MISSISSIPPI BANKER

John Hairston leads national industry effort To influence elections through education, advocacy The Financial Education and Advocacy Initiative (FEAI) was created by the American Bankers Association in 2012 as a means for bankers across the country to maximize the banking industry's impact in the political process. As a 501(c)(4) organization, FEAI allows banks to collectively provide education on issues and elections that benefits the industry and the general public.

John Hairston, CEO and COO of Hancock Holding Company, Gulfport, is a member of the ABA Board of Directors, and he currently chairs the committee that oversees and promotes FEAI. Hairston is passionate when he talks about FEAI's mission: "FEAI was created for the purpose of insuring that the banking industry has just as much a voice in the political affairs of our country as our opponents do."

FEAI helps advance policies that support the industry, and it also reinforces the important role that banks play in supporting local, state and national economies. It does this by funding activities that provide education on issues important to banks and the public. "We spend the majority of our funds making sure the public understands the issues," Hairston says. "Then, we spend a significant portion of funds on making sure the public understands the candidates' positions on these issues."

Hairston points out that in 2012, the year FEAI was created, more than $7 billion was spent nationwide in the federal election process. Of this staggering amount, 26% was expended by independent groups (such as 501(c)(4) organizations). "We found that other organizations were pouring billions of dollars into elections supporting policies that ultimately made it worse for banking," Hairston recalls.

A tax-exempt corporation that is separate and distinct from ABA, FEAI can accept donations from corporations and individuals to fund the organization's advocacy and education initiatives. Specific rules governing contributions to FEAI can be found at www. aba.com.

"Politics play a really big part in our industry, and it is our responsibility to make sure we do our best to inform candidates what the results of their actions might be," Hairston

“FEAI was created for the purpose of insuring that the banking industry has just as much a voice in the political affairs of our country as our opponents do.�

- John Hairston, FEAI Chairman says. "It is also our responsibility to make sure they hear us."

Hairston points out that, while support of candidates through contributions to BankPac and candidates is important, FEAI provides another way for the banking industry to be heard. FEAI's involvement has taken different forms in different races. It has supported "get out the vote" campaigns in key races, and it has supported advocacy efforts on specific issues, such as tax reform for credit unions and the Farm Credit System. FEAI has also funded ad campaigns touting the positive role banks

John Hairston is the CEO and COO of Hancock Holding Company in Gulfport. He also serves as a member of the American Bankers Association Board of Directors and is the Hairston chairman of the committee that oversees and promotes FEAI.

play in their communities.

In two years, FEAI has had a major impact on elections in five states. Hairston urges bankers to support the organization so this influence can be felt in races nationwide.

"Candidates don't typically talk about banking," he points out. "Somebody needs to talk about banking, and we need to be doing this.

We can do this through FEAI." Bankers can learn more about how they and their banks can support FEAI by going to the American Bankers Association website at www.aba.com.

0LVVLVVLSSL 6FKRRO RI %DQNLQJ 6HVVLRQ April 12-18, 2015 University of Mississippi Oxford, MS Register at www.msbankers.com SEPTEMBER/OCTOBER 2014

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THE MISSISSIPPI BANKER

Good Neighbors THE MISSISSIPPI BANKER

Trustmark participates in 24-hour donation blitz To raise ALS awareness, memorialize Frank Day Trustmark recently announced that its associates raised $19,511 in support of the ALS Association, and the company matched the amount given by associates for a total contribution of $39,022.

Beginning at noon on Tuesday, August 26, Trustmark launched a 24-hour donation blitz to raise funds in support of the ALS Association. The ALS Association was established in 1985 to research and provide assistance for individuals diagnosed with Amyotrophic Lateral Sclerosis – commonly known as Lou Gehrig’s disease. Trustmark’s former chairman and CEO, Frank Day, died from this disease in 1999, and the Trustmark family commemorated his memory through this 24-hour donation blitz and “Ice Bucket Challenge”.

Throughout the 24-hour donation blitz, associates received updates from current Trustmark CEO Jerry Host to inform them of the donation progress. The 24-hour donation blitz ended at noon on Wednesday, August 27.

Culminating the event, Host took the “Ice Bucket Challenge” at The Day Centre in Pearl, Mississippi, which is a Trustmark operations center named in memory of Day. Barbara Day, Day’s widow, attended the event to join Host in presenting the donation check. The event was also attended by many members of the Trustmark family.

Following the “Ice Bucket Challenge,” Host challenged Luckyday Scholars Program

Ice Bucket Challenge: (left to right) Trustmark Regional President – Central Mississippi, Harry Walker, and Trustmark Corporate Facilities Director, Buddy Huff, long-time friends and colleagues of Trustmark’s former chairman and CEO Frank Day, were chosen to pour the water on current Trustmark CEO Jerry Host during the “Ice Bucket Challenge”.

directors, Dr. Patrick Perry of the University of Mississippi and Dr. Larry Sparkman of the University of Southern Mississippi, to take the "Ice Bucket Challenge”! The Luckyday Scholars Program is funded through the Luckyday Foundation, which is a continuation of the legacy left by Frank Day.

“We are honored to participate in the donation blitz and “Ice Bucket Challenge” in support of ALS. This is our way of honoring Frank, whose fortitude and business savvy helped build this company into what it is today,” Host said. “I am grateful to our associates and their generous contributions, which will go directly toward care services for individuals with ALS.” The ALS Association’s mission is to provide care services to assist people with ALS and their families through a network of chapters working in communities across the nation and a global research program focused on discovery of treatments and eventually a cure for the disease.

Donation Check Presentation: (right to left) Trustmark CEO Jerry Host and Barbara Day, Frank Day’s widow, and Pat Smith, friend and Executive Director of the Luckyday Foundation and former assistant of Day, presenting the donation check to Brandi Nickles, Mississippi representative for the ALS Association.

SEPTEMBER/OCTOBER 2014

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Good Neighbors THE MISSISSIPPI BANKER

Regions Mississippi donates $100,0000 to American Cancer Society for construction of Hope Lodge in Jackson Facility will provide free lodging for out-of-town cancer patients, caregivers Regions Bank recently announced a $100,000 contribution to the American Cancer Society. The donation will help fund the construction of a Hope Lodge in Jackson on North State Street in the former Schimmel’s Restaurant building. Construction will begin in the spring of 2015.

American Cancer Society Hope Lodge facilities provide free, temporary accom-

“Regions is committed to supporting the communities we serve by embracing our core values: Do What is Right and Put People First - each and every day,” - Arthur DuCote, Regions’ State President modations for out-of-town cancer patients and one caregiver. The facilities offer private rooms and common areas where patients may connect with others in a nurturing, home-like

L to R: Arthur DuCote, Regions Mississippi State President and Amanda Patton, Corporate & Distinguished Partners Representative for the American Cancer Society.

environment. Hope Lodges also offer a variety of resources and information about cancer and how best to fight the disease. Currently, there are 31 Hope Lodge facilities throughout the

ABOVE: An aerial rendering of the Hope Lodge in Jackson. Construction will begin Spring 2015, and facility will open late 2016.

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THE MISSISSIPPI BANKER

United States.

“Regions is committed to supporting the communities we serve by embracing our core values: Do What is Right and Put People First - each and every day,” said Arthur DuCote, Regions’ State President for Mississippi.

“Helping make this Hope Lodge a reality so that patients from around the state can worry less about finding and paying for lodging while in town - and focus more on healing – illustrates this commitment. Moving forward, we will uphold another core value - Reach Higher - by exploring opportunities to make similar contributions of this magnitude in the future.”

“Facing cancer is hard, but when your best available treatment option is out of town it becomes much more difficult,” said Amanda Patton, Corporate & Distinguished Partners Representative for the American Cancer Society. “The Mississippi Hope Lodge will be a place where cancer patients from outside the area can find help and hope. We appreciate Regions for its support of our mission and for continuing to invest in our community.”

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It’s that time again!

MBA’s ‘A Banker in Every Classroom’ set for November 3-7 The MBA is gearing up for its Fourth Annual “A Banker in Every Classroom” week.

Governor Phil Bryant has proclaimed November 3-7, 2014, as “A Banker in Every Classroom” week. This effort by the MBA brings bankers and teachers together in local classrooms to educate students on the matters of personal finance. During the week, teachers and bankers are teaming up to make presentations on personal finance to students in grade K through 12. Presentations will be made in both public and private schools.

In three years, the popular consumer education project reached over 35,000 students in the state of Mississippi. Last year bankers provided nearly 400 presentations to local schools. Over the past three years, 1,000 presentations have been made during “A Banker in Every Classroom” week. This year, the MBA is looking to increase that number.

“The goal of the program is to build relationships between bankers and teachers at the local level,” said Amy Davis, MBA senior vice president. “We want these relationships to result in meaningful training that will help students be in a position to deal with personal

finance issues.”

The MBA provides age-appropriate materials – on savings, credit, budgeting and other topics. Of course, teachers and bankers are free to determine what will work best in their classroom. Davis stresses that there is no required curriculum. “The important thing is that the banker and teacher work together to provide a meaningful and beneficial experience for local students,” said Davis.

Bankers and teachers register separately to participate in this project. When they sign up, bankers indicate the dates and times they are available. Teachers make requests for bankers

to visit their classrooms. The MBA matches bankers and teachers in each local area and assist as needed in preparing classroom presentations.

The Mississippi banking industry has a long record of providing financial education in their schools and communities. With their success tied to their communities, many banks sponsor financial literacy on an ongoing basis.

The MBA’s Mississippi Young Bankers section coordinates personal financial education through its statewide network of MYB county chairmen. “A Banker in Every Classroom” presents an exciting opportunity to magnify the impact of the existing programs.

“A Banker in Every Classroom” registration forms can be found on our website, www.msbankers.com. Bankers are also encouraged to use the registration form on page 11 to sign up. For more information, please contact Amy Davis or Amber Parker at the MBA at adavis@msbankers.com or aparker@msbankers.com.

Last year MS Bankers made nearly 400 presentations to schools in our state.

Join us this year! www.msbankers.com 10

THE MISSISSIPPI BANKER

2014 BANKER REGISTRATION FORM

Presents

The Mississippi Bankers Association sponsors “A Banker in Every Classroom,â€? a project to bring bankers to Mississippi FODVVURRPV GXULQJ WKH ZHHN RI 1RYHPEHU /RFDO EDQNHUV ZLOO MRLQ WHDFKHUV WR SUHVHQW SHUVRQDO Ă€QDQFLDO OHVVRQV to students in public and private school classrooms throughout Mississippi on these dates.

Here’s how the program will work: Bankers will register with the MBA to volunteer to appear in a classroom in their area. At the same time, teachers throughout the state will register, making requests for local bankers to appear in their FODVVURRPV :H ZLOO PDWFK EDQNHUV DQG WHDFKHUV DQG SURYLGH DJH DSSURSULDWH PDWHULDOV RQ SHUVRQDO ÀQDQFH WRSLFV 7KHVH materials can be the basis for a presentation, or a customized program can be developed.)

7R UHJLVWHU VLPSO\ FRPSOHWH DQG UHWXUQ WKH IRUP SURYLGHG EHORZ /HW XV NQRZ \RXU ORFDWLRQ DQG GDWH V WKDW \RX DUH available. Please provide your preferences as to school, grade level, and dates. If you wish, indicate a particular class you ZRXOG OLNH WR YLVLW ,I \RX ZDQW WR YLVLW \RXU FKLOG¡V FODVV RU D SDUWLFXODU WHDFKHU¡V FODVV SOHDVH FRQWDFW KLP RU KHU DQG WKHQ let us know!) The MBA will match bankers and teachers and send contact information, along with materials.

Have questions or need further assistance? Contact Amy Davis at adavis@msbankers.com or Amber Parker at aparker@msbankers.com, or call the MBA office at 601 948-6366.

Banker Name: ___________________________ Bank: ___________________________ Bank Address: ____________________________Cell/Home Phone: _______________ Bank City:_______________________ County: _________________________________ E-mail address: __________________________ Bank Phone: ____________________ If you have preferences, please indicate below: School/Location:____________________ Grade:_________ Date Available: _______ ,I \RX ZRXOG OLNH WR YLVLW D VSHFLĂ€F WHDFKHU SOHDVH FRQWDFW WKDW WHDFKHU DQG OLVW KLV or her info below: Teacher Name: _______________________ School: ______________________________ School Phone Number: _________________ Teacher Cell Phone _________________ Teacher E-mail Address: ___________________________________________________ Return completed form to Mississippi Bankers Association Attn: Amber Parker Fax No: 601 355-6461 Email: aparker@msbankers.com SEPTEMBER/OCTOBER 2014

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MBA Washington Visit THE MISSISSIPPI BANKER

Mississippi bankers travel to Washington for annual visit The 2014 MBA Washington Visit took place September 7-10. More than 30 Mississippi bankers participated in this year’s visit, which included meetings with Mississippi’s Congressional delegation, federal bank regulators, and national banking trade associations.

MBA Chairman Freddie Bagley of Community Bancshares Inc. in Brandon led the delegation of bankers, which also included MBA Vice Chairman George Marx of Copiah Bank, N.A., Hazlehurst; MBA Treasurer Frank Sibley of Citizens Bank and Trust Company, Marks; and Robbie Barnes of PriorityOne Bank, Magee, who is serving as the MBA Legislative Committee Chairman. In all, 54 persons attended this year’s visit, including spouses, guests and members of the MBA staff.

The agenda began on Sunday, September 7 with a group dinner at the historic Occidental Grill, sponsored by Olsen and Palmer. On Monday morning, bankers attended a meeting at the OCC with senior staff including Paul Nash, senior deputy comptroller. Bankers then met with the SBA before attending a lunch with long-time political operative and Mississippi native Lanny Griffith, CEO of BGR group. Griffith provided an insightful preview of the upcoming November elections.

Monday afternoon bankers attended an issues briefing at the American Bankers Association led by ABA Chief of Staff Mike Hunter

MBA Treasurer Frank Sibley (left) leads a discussion of issues with (L to R) Senators Thad Cochran and Roger Wicker during annual MBA Washington Visit.

and Executive Vice President James Ballentine.

During this meeting, MBA officers presented the ABA with a contribution from MissBankPAC. Monday’s schedule ended with a meeting with the FDIC senior staff, which included COO and Chief of Staff Barbara Ryan. FDIC employees with Mississippi ties in attendance included Cotrell Webster and Sylvia Plunkett.

Tuesday started off with a sponsored breakfast meeting with CSBS staff, includ-

Mississippi bankers meet with Congressman Bennie Thompson to discuss important issues facing the banking industry in Mississippi.

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THE MISSISSIPPI BANKER

ing President and CEO John Ryan. After breakfast, bankers traveled to the Consumer Financial Protection Bureau to meet with leaders of the Office of Financial Institutions and Business Liaison, including Mississippi native Elizabeth Ellis. Following this meeting, bankers attended a lunch sponsored by the Jones Walker law firm, and heard a presentation from partner Jim Butera on how the coming elections could shape banking policy.

Tuesday afternoon, bankers split up into groups for meetings with the Mississippi House delegation – Congressmen Bennie Thompson, Gregg Harper, and Steven Palazzo.

Bankers also met with the staff of Congressman Alan Nunnelee, who was out of the office dealing with a medical issue. The day ended with a meeting with Senators Thad Cochran and Roger Wicker.

Over the course of this full itinerary, bankers discussed concerns with over “qualified mortgages” and the “ability to repay rule”; recurring problems with cybersecurity and retail data breaches; Basel III’s treatment of Trust Preferred Securities; the need for regulatory relief for community banks; and credit union taxation.

The bankers attending the Washington Visit are listed on page 13. Also participating were Mac Deaver, MBA president, and Gordon Fellows, MBA vice president of government relations.

MBA Washington Visit THE MISSISSIPPI BANKER

L to R: MBA Chairman Freddie Bagley, MBA Vice Chairman George Marx and MBA Treasurer Frank Sibley lead discussion during a briefing in Washington.

Bo Collins of BNA Bank introduces Lanny Griffith, CEO of BGR group.

Paul Nash of the OCC discusses regaluatory issues with Mississippi bankers. L to R: Nash; Art Stevens, Trustmark National Bank; Bo Collins, BNA Bank; and MBA Chairman Freddie Bagley.

Thanks to our 2014 MBA Washington Visit participants: BancorpSouth Michael Booker, Jackson Bank of Anguilla Fred Miller, Anguilla Bank of Brookhaven Shannon Aker, Brookhaven Bill Sones, Brookhaven Bank of Franklin Brad Jones, Meadville Bank of Kilmichael Buddy Mortimer, Kilmichael BankPlus Max Yates, Ridgeland BNA Bank Bo Collins, New Albany Citizens Bank and Trust Co. Jimmy Pritchard, Marks Frank Sibley, Marks

Community Bancshares Inc. Freddie Bagley, Brandon Simon Weir, Southaven Concordia Bank Phillip Cutrer, Woodville Ernie Smith, Natchez

Newton County Bank Bill Freeman, Newton Planters Bank & Trust Co. Jim Quinn, Greenwood PriorityOne Bank Robbie Barnes, Magee

Copiah Bank Jerry Ford, Hazlehurst George Marx, Hazlehurst

Regions Bank Greg Garraway, Hattiesburg

Farmers and Merchants Bank John Haynes, Baldwyn

Renasant Bank Jeff Lacey, Madison

First Commercial Bank Alan Walters, Jackson

Southern Bancorp Joe Ricotta, Madison

Hancock Bank Michael Schloegel, Gulfport Clay Wagner, Gulfport

Trustmark National Bank Art Stevens, Jackson

Merchant and Marine Bank Henry Fox, Pascagoula

University of Mississippi Ken Cyree, Oxford

SEPTEMBER/OCTOBER 2014

13

MYB Leadership Conference THE MISSISSIPPI BANKER

MYB Leadership events draw 100 bankers Nearly 100 bankers from around the state participated in the Mississippi Young Bankers golf tournament and Leadership Conference on September 16 and 17 in Jackson. MYB President Michael Schloegel of Hancock Bank, Gulfport, led the MYB Executive Council in the planning of these events.

Councilman Wes Rouse of BancorpSouth, Hattiesburg, presided over the Leadership Conference and Councilman Brad Ewing of Oxford University Bank, Oxford, served as chairman of the golf tournament.

The golf tournament was held on September 16 at Whisper Lake Golf Course in Madison with nearly 70 players competing in a four-man scramble format. Vining Sparks was the presenting sponsor of the tournament.

Dozens of other MBA members and Affiliates helped to provide additional sponsorship support.

The Leadership Conference was held on September 17 at the Hilton Hotel in Jackson.

Guest speakers included Freddie Bagley, MBA Chairman; Eddie Payton, Head Coach for Men’s and Women’s Golf at Jackson State University; Dr. Joseph Paul, Vice President of Student Affairs at The University of Southern Mississippi; Maggie Wade, WLBT anchor; and Dr. Mark Green, Tennessee State Senator.

During the Leadership Conference luncheon, several bankers were recognized for their participation in consumer education

activities. Amy Davis, MBA senior vice president, discussed the success of the MBA’s “A Banker in Every Classroom” program and presented plaques to two bankers for going above and beyond in contributing to this program in 2013. The two recipients of the BIEC awards were Diana Gonzalez of The Peoples Bank, Biloxi, and Dean Smith of BankFirst Financial Services, Macon. Davis announced that over the past three years 35,000 students in Mississippi have been reached through “A Banker in Every Classroom” and over 1,000 presentations have been made by our member banks.

Governor Phil Bryant has declared the week of November 3-7, 2014, as the fourth annual “A MBA Chairman Freddie Bagley addresses the Mississippi Banker in Every Classroom” week. Young Bankers at the Leadership Conference.

Davis invited all of the bankers The $2,000 Leadership Scholarship, given present to participate in this year’s program annually by the MBA Education Foundation in hopes to increase these numbers. to a deserving college junior studying bankMYB also awarded its “County Chairman ing at a Mississippi public university was of the Year” award to Tracy Goforth of First presented to Blake Dunaway, a University of Security Bank, Batesville, for her leadership in Southern Mississippi student. Councilman promoting financial literacy in Panola County. and scholarship committee chairman, Marc She was selected from over 100 county chair- Petro of Community Bank, Jackson, made men and co-chairmen who work statewide in the presentation. coordinating consumer education activities.

MYB President, Michael Schloegel (left) of Hancock Bank, Gulfport, presents Tracy Goforth (right) of First Security Bank, Batesville, with the “County Chairman of the Year” award.

14

THE MISSISSIPPI BANKER

L to R: Raland Burks of PriorityOne Bank; Brad Ewing of Oxford University Bank; Adam Carlson of Horne LLP; and Gant Boone of Oxford University Bank.

MYB Leadership Conference THE MISSISSIPPI BANKER

Bankers networking at the MYB Leadership Conference.

MBA President Mac Deaver and MBA Senior Vice President Amy Davis honor two bankers for outstanding contributions to the MBA’s “A Banker in Every Classroom” program. L to R: Deaver; Diana Gonzalez, The Peoples Bank, Biloxi; Dean Smith, BankFirst Financial Services, Macon; and Davis.

Blake Dunaway, a junior at The University of Southern Mississippi, was awarded the 2014 Leadership Scholarship. L to R: Diana Gonzalez; Marc Petro, Scholarship Committee Chairman; Dr. Wayne Kelly of USM; Dunaway; MYB President Michael Schloegel; and MBA President Mac Deaver.

L to R: Drew Kenna of Bank of Forest; Tom Walker of Brunini, Grantham, Grower, & Hewes PLLC; Kent Mortimer of Bank of Kilmichael; and Eric Miller of Planters Bank & Trust Co.

Bankers listen to presentations made by several distinguished speakers during MYB Leadership Conference.

L to R: Andy Young of Community Bank North Mississippi; Wayne McKenzie of Bank of Brookhaven; Bret Barger of Bank of Wiggins; Austin Shafer of BankFirst Financial Services; and Tyler Walton of Trustmark National Bank.

SEPTEMBER/OCTOBER 2014

15

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THE MISSISSIPPI BANKER

‘Ahead of the Curve’ MBA Communications Conference presents innovative ways For banks to stay competitive in changing market The MBA Communications Council and Chairman Myrna Story recently hosted its annual Communications Conference on September 9-10, at the Embassy Suites in Ridgeland. The theme of the conference was “How to Pitch Ahead of the Curve: Emerging Trends in Banking and How to Stay on Top.” Bankers from across the state attended the two-day conference to gain insight on the latest in social media, mobile banking and creative strategies to stay competitive in the growing market.

The conference agenda included numerous distinguished speakers from across the country. Denyette DePierro of American Bankers Association was the first speaker to address conference participants. DePierro provided a presentation on Social Media Compliance.

Following DePierro, Brian Townley, a leadership author, outlined various creative market plan tactics with incentives to garner greater

employee buy-in. The conference concluded with two presentations

by Trent Fleming of Trent Fleming Consulting. Fleming’s first presentation focused on emerging trends in payment processing. Following this, Fleming went into detail on how to package and promote your bank’s services.

Several exhibitors also participated in this year’s conference including Mahaffey’s Quality Printing and Marketing Services, Mississippi Home Corporation, Munn Enterprises and Safeguard by FISI. Conference participants were given the opportunity to network with these exhibitors during conference breaks. The printing for the con- Wendell Whiddon of Munn Enterprises visits with Comference was sponsored by Alliance munications Conference participant Richard Dodd of First Bank, McComb.

Business Services.

SEPTEMBER/OCTOBER 2014

17

MBA Compliance Conference focuses on hot regulatory topics Over 100 hundred attend annual event in Jackson The Mississippi Bankers Association held its 10th annual Consumer Compliance Conference on September 10-12, at the Hilton Hotel in Jackson. The conference included a half-day Basic Compliance Workshop on September 9. Over 100 Mississippi bankers attended the conference over the three-day span.

The conference began with a keynote address entitled, “The State of Compliance and Washington Update,” by Rick Freer, ABA Center for Regulatory Compliance. Following Freer, a general session panel, moderated

by Phil Gay of Paragon Compliance Group, addressed a variety of compliance issues such as Dodd-Frank implementation, the changing regulatory focus, critical issues in Mississippi mortgage lending and much more. The Paragon Compliance Group then presented breakout sessions on the individual topics discussed during the general session panel.

On the second day of the conference, Randall Ryskamp, OCC, provided a presentation on “The State of Banking and the State of Compliance: Compliance and Legal Issues

Facing Mississippi Bankers.” Following Ryskamp, a regulatory panel discussed current examination a n d e n f o rc e m e n t focus, findings and expectations. The regulatory panel was composed of Kevin Henry, Federal Reserve; Randy Roewe, OCC, Birmingham; C h r i s Fi n n e g a n , FDIC; and Eric Smith, MS Department of Banking.

The MBA hosts this conference each year to provide the Mississippi bankers listen to regulatory panel at the 2014 Compliance latest in compliance Conference. training for Mississippi banks.

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THE MISSISSIPPI BANKER

MBA Calendar THE MISSISSIPPI BANKER

Calendar of Events OCTOBER 1 2 3 8-9 9 14 14 15 17 20 21 23 24 28 29 30 30-31

Employment Discrimination Update Branch Manager Expertise Accounting for ALLL & OREO 2014 Security Conference - Hilton Hotel, Jackson Branch Manager Expertise HMDA Update 2014 Notary Public Training Course - MBA, Jackson Commerical Real Estate Loan Documentation The Drive for Revenue: New Frontiers in Cost Control Documenting the Loan File Lending Compliance Update Video Webcast Collecting Past Due Accounts Under New CFPB Requirements What Do You Mean My Claim Isn’t Covered? (Insurance Webinar) IT Security Challenges (Cybersecurity & Information Security Program) 15 Check Handling Danger Zones IT Security Challenges (Cybersecurity & Information Security Program) 2014 Trust Conference - Hilton Hotel, Jackson

NOVEMBER 3 3-7 5 6 6 10 12 13 14 17 19 24 25

The Professional Credit Analyst A Banker in Every Classroom Salesmanship for Everyone Reading Credit Reports Loan Processor Workshop - Hilton Hotel, Jackson The Professional Credit Analyst Compliance for Commercial Lenders Call Center Security: Dialing for Dollars Loan Documentation: Top 10 Mistakes & 25 Questions Garnishment Requirements - Eight Frequently Asked Questions Salesmanship for Everyone Strategic Loan Pricing for Community Banks IRS Compliance for Community Banks

DECEMBER 2 2

Tri-State Credit Conference (MS, AR, TN) - Memphis, TN IRS Compliance for Community Banks

Visit www.msbankers.com for Registration and more information SEPTEMBER/OCTOBER 2014

19

Standing Committees THE MISSISSIPPI BANKER

Bank Attorneys Committee

Communications Council Chairman: Leitha Chapman Citizens Bank Columbia

Chairman: Charles Parrott Adams & Reese Jackson

Tony Sims, Community Bancshares, Brandon Myrna Story, First State Bank, Waynesboro Nancy Virden, Bank of Anguilla, Anguilla

Compliance/Audit Committee

Chapman Parrott

Dean Belk, Clark, Davis & Belk, P.A., Indianola Chase Bryan, Forman Perry, Jackson Pat Caldwell, Riley, Caldwell, Cork & Alvis, Tupelo Harris Collier, Trustmark National Bank, Jackson Steve Corban, Renasant Bank, Tupelo George Fair, Watkins & Eager, Jackson Clint Gardner, The Gardner Group, Brookhaven Cliff Harrison, Butler, Snow, O’Mara, Stevens & Cannada, Ridgeland Tom Hudson, BankPlus, Ridgeland Craig Landrum, Jones Walker, Jackson Joy Phillips, Hancock Bank, Gulfport Ryan Revere, Smith, Phillips, Mitchell, Scott, & Nowak, Batesville Ben Sones, Randall, Segrest PLLC, Ridgeland Granville Tate, Brunini, Grantham, Grower & Hewes, Jackson

20

Rob Armour, BankPlus, Ridgeland Whitney Barnes, PriorityOne Bank, Magee Diedre Barret, Guaranty Bank & Trust, Belzoni Heather Brown, Magnolia State Bank, Bay Springs Randy Burchfield, BancorpSouth, Tupelo Rachel Cherry, The Citizens Bank, Philadelphia Diane Cothern, Pike National Bank, McComb Charlotte Edwards, Cleveland State Bank, Cleveland Joe Gibbs, Trustmark National Bank, Jackson Tracy Goforth, First Security Bank, Batesville Paul Guichet, The Peoples Bank, Biloxi Agnes Holloway, United Mississippi Bank, Natchez Amanda Kent, BNA Bank, New Albany Paul Maxwell, Hancock Bank, Gulfport Jamie Murrell, Planters Bank & Trust Company, Indianola Charlotte Orick, First American National Bank, Iuka John Oxford, Renasant Bank, Tupelo Jim Robinson, Merchants & Farmers Bank, Byhalia Candie Simmons, Regions Bank, Jackson

THE MISSISSIPPI BANKER

Chairman: Sue Love BankPlus Ridgeland Love

Dawn Ard, The First, Hattiesburg Bo Baxter, First Bank, McComb Sharon Beard, First State Bank, Waynesboro Jake Bellipanni, Guaranty Bank & Trust, Belzoni Kimberly Buford, Mechanics Bank, Water Valley Cindy Collins, Hancock Bank, Gulfport Audra Cook, Oxford University Bank, Oxford Jeff Crick, Bank of Commerce, Greenwood Rita Eldridge, Bank of Winona, Winona Leah Hearn, Commercial Bank, Meridian Julie Henry, First National Bank, Pontotoc Evelyn Herrington, The Peoples Bank, Biloxi Ashley Jennings, PriorityOne Bank, Magee Mike Keen, River Hills Bank, Port Gibson Lowell Kirkbride, Cleveland State Bank, Cleveland

Standing Committees THE MISSISSIPPI BANKER

Debbie Lockert, Planters Bank & Trust Company, Indianola Rochelle Sanders, Bank of Brookhaven, Brookhaven Mark Segars, First American National Bank, Iuka Lexine Smith, Bank of Holly Springs, Holly Springs Jeff Swilley, Community Bank, Brandon Jo Thompson, Peoples Bank, Ripley Jamie Timbes, Commerce National Bank, Corinth

Bank, Iuka Pam Pierce, Charter Bank, Biloxi Ray Smith, Renasant Bank, Tupelo Phil Sprayberry, Cadence, N.A., Starkville Tami Tacke, Mechanics Bank, Water Valley Rudi Thompson, Hancock Bank, Gulfport

Legislative Committee Chairman: Robbie Barnes PriorityOne Bank Magee

Human Resources Committee Chairman: Jessica Milam Planters Bank & Trust Indianola Milam

Eric Adkins, PriorityOne Bank, Magee Nancy Bryan, BankFirst, Columbus June Burney, Copiah Bank, N.A., Hazlehurst Kristy Davis, First State Bank, Waynesboro Rita Floyd, Trustmark National Bank, Jackson Leslie Franklin, Peoples Bank, Mendenhall Lisa Givens, State Bank & Trust Co., Brookhaven Tim Gray, Community Bancshares, Brandon Tish Hairston, Guaranty Bank & Trust, Belzoni Jackie Henson, The Peoples Bank, Biloxi Melissa Pellum, Covenant Bank, Clarksdale Dianne Pepper, BankPlus, Ridgeland Lisa Phelps, First American National

Barnes

Andy Anderson, Bank of Anguilla, Anguilla Pat Biglane, Concordia Bank & Trust, Natchez Michael Booker, BancorpSouth, Clinton Deanna Bowser, Home Bank, Natchez Allen Breland, Bank of Forest, Forest Mike Cayson, Cadence Bank, N.A., Starkville Joel Clements, First State Bank, Waynesboro Hoppy Cole, The First, Hattiesburg Bo Collins, BNA Bank, New Albany Tracy Davidson, Citizens Bank, Byhalia Scott Fontenot, Wells Fargo, Des Moines, IA Henry Fox, Merchants & Marine Bank, Pascagoula Curt Gabardi, Metropolitan Bank, Ridgeland Bill Granberry, Richton Bank & Trust, Richton Moak Griffin, BankFirst, Columbus Alice Herbison, Bank of Benoit,

Benoit Jerry Host, Trustmark National Bank, Jackson Jeff Lacey, Renasant Bank, Meridian Jeff McCoy, Great Southern National Bank, Meridian Greg McKee, The Citizens Bank, Philadelphia Pax Mogenson, First National Banker’s Bank, Ridgeland Chuck Nicholson, Community Bancshares, Brandon Ken Purvis, Sycamore Bank, Hernando Jeff Rabren, Regions Bank, Birmingham, AL Randy Randall, Planters Bank & Trust, Indianola Bill Renovich, DeSoto County Bank, Horn Lake Joe Ricotta, Southern Bancorp, Indianola Martha Rogers, Bank of Morton, Morton George Shackelford, Peoples Bank & Trust Co., North Carrollton John Shappley, First Bank, McComb Bill Sones, Bank of Brookhaven, Brookhaven James Threadgill, BancorpSouth, Tupelo Huey Townsend, Guaranty Bank & Trust, Belzoni Cam Tyler, Mechanics Bank, Water Valley Clay Wagner, Hancock Bank, Gulfport Harry Walker, Trustmark National Bank, Jackson Jennifer Wallace, Pike National Bank, McComb Mike Webb, First American National Bank, Iuka Frank West, First Security Bank, Batesville Max Yates, BankPlus, Ridgeland

SEPTEMBER/OCTOBER 2014

21

Standing Committees THE MISSISSIPPI BANKER

Lending Committee Chairman: Wyman Jones Community Bancshares Brandon Jones

Kevin Adkins, Amory Federal Savings & Loan, Amory Newton Blount, First Southern Bank, Columbia Lugie Brown, First American National Bank, Iuka Shane Clayton, First National Bank, Pontotoc Michael Dudley, Commercial Bank, DeKalb Loyd Eaton, Bank of Okolona, Okolona Lee Fedric, Citizens Bank, Columbia Clifton Fowler, Bank of Forest, Flowood Ken Gordon, Bank of Morton, Morton Alan Hargett, Planters Bank & Trust Co., Indianola David Hemeter, First National Bank of Picayune, Picayune Chris Hull, Covington County Bank, Collins Byron Jordan, First State Bank, Waynesboro Sam Kendricks, Hancock Bank, Gulfport Robb Massengill, Bank of Brookhaven, Brookhaven Sam McClatchy, First State Bank, Holly Springs Larry Ratzlaff, Community Trust Bank, Madison Van Ray, Bank of Yazoo, Yazoo City Marcus Robinson, Magnolia State Bank, Bay Springs Mike Staten, BNA Bank, New 22

Albany Dale Tate, First Federal, Aberdeen Hue Townsend, Guaranty Bank & Trust, Belzoni Larry Veasey, Merchants & Farmers Bank, Holly Springs Chester White, PriorityOne Bank, Magee Allen Whitsitt, DeSoto County Bank, Horn Lake

MissBankPAC Committee Chairman: Leslie Usher Great Southern National Bank Meridian Usher

Owen Carty, State Bank & Trust Co., Ridgeland Jimmy Clayton, Planters Bank & Trust Co., Indianola John Hairston, Hancock Bank, Gulfport John Haynes, Farmers & Merchants Bank, Baldwyn Brad Jones, Bank of Franklin, Meadville Chuck Nicholson, Community Bank, Brandon Russell Stewart, Bank of Anguilla, Anguilla Greg Taylor, Merchants & Farmers Bank, Holly Springs Max Yates, BankPlus, Ridgeland

THE MISSISSIPPI BANKER

Mississippi School of Banking Board of Trustees Chairman: Mike Webb First American National Bank Iuka Webb

Kristy Davis, First State Bank, Waynesboro Parker England, Planters Bank & Trust Co., Greenville Moak Griffin, BankFirst Financial Services, Columbus David Hemeter, First National Bank, Picayune Chuck Nicholson, Community Bank of Mississippi, Brandon Michael Schloegel, Hancock Bank, Gulfport Cam Tyler, Mechanics Bank, Water Valley

Mississippi Bankers VEBA Plan & Trust Chairman: Alan Walters First Commercial Bank Jackson Walters

Johnny Barrett, FNB Oxford Bank, Oxford Brad Jones, Bank of Franklin, Meadville Henry Logue, Merchants and Planters Bank, Raymond Jim Rabby, Bank of Wiggins, Wiggins Marcus Robinson, Magnolia State Bank, Bay Springs

Standing Committees THE MISSISSIPPI BANKER

Trust Committee

Frank Sibley, Citizens Bank & Trust, Marks Phil Williams, Bank of Yazoo, Yazoo

Willie Covington, Regions Bank, Jackson Cousie Giglio, Guaranty Bank & Trust, Belzoni City Bob Glover, The Peoples Bank, Ripley Security Committee Connie Grimes, First State Bank, Waynesboro Chairman: Michael Lann, Renasant Bank, Debbie Kirk Tupelo BankFirst Financial Chris Makamson, Planters Bank & Services Trust Co., Indianola Macon Marty Moore, BankPlus, Ridgeland Vic Prather, PriorityOne Bank, Kirk Magee Joe Stallings, Community Glenda Bennett, Great Southern Bancshares, Brandon National Bank, Meridian Mary Lois Stockman, BancorpSouth, Mel Channell, Trustmark National Tupelo Bank, Jackson Al Tapper, Hancock Bank, Gulfport Randy Cheatham, The Citizens Bank, Jim Thompson, Bank of Forest, Philadelphia Forest

Chairman: John Davis Cadence Bank Columbus Davis

David Cleland, BankPlus, Ridgeland Richard Crowder, Regions Bank, Jackson Catherine Fitzpatrick, Renasant Bank, Tupelo Jack McFerrin, BancorpSouth, Tupelo Terry Mobley, BancorpSouth, Jackson Kathryn Simmons, Trustmark Bank, Jackson Tom Wicks, The Peoples Bank, Biloxi Allison Youngblood, Renasant Bank, Tupelo

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23

Bankers join 40-, 50- and 60-year clubs At the MBA Annual Convention in May, bankers were recognized for 40, 50 and 60 years of service to the banking industry. Bankers pictured here were presented certificates by their banks.

Pat Martin (center), Trustmark FSR, is presented her 40-Year certificate by Andrew Christian (left), Trustmark South Metro Regional Manager, and Hal Williams (right), Trustmark South Metro President.

Tom Kendall (left), Trustmark Community Bank President-Vicksburg, presents Lyla Stennett (right), Operations Supervisor, with her 40-Year certificate.

Pictured above (L to R): Laura Singley, Operations Officer and Operations Specialist, receives her 40-Year certificate from Mike Ginn, Senior Vice President and Commercial Relationship Manager, both of Trustmark National Bank.

Mary Ann Barnes (left), Vice President, Trustmark National Bank, is presented her 40-Year certificate by Charlie Lewis (right), President of Trustmark National Bank, Hattiesburg.

24

THE MISSISSIPPI BANKER

At First Southern Bank, Columbia, Thomas McNeese (left), Director and Chairman of the Board, presents Newton Blount (right), President and CEO, with his 40-Year certificate.

Dianne Barber (left) of First Southern Bank, Columbia, receives her 40-Year certificate from Thomas McNeese (left), Director and Chairman of the Board.

Marilyn Britt, Trustmark Assistant Vice President and Branch Manager, is presented her 40-Year certificate by Jerry Host (left),CEO, Trustmark, and Art Stevens (right), President of Retail Banking, Trustmark.

Martha Wilbert, Trustmark Vice President and Senior Retail Banking, is presented her 40-Year certificate by Jerry Host (left),CEO, Trustmark, and Art Stevens (right), President of Retail Banking, Trustmark.

At Trustmark National Bank, Virginia Jones (left), Vice President and Regional Operations Coordinator, was presented her 40-Year certificate

by Hal Williams (right), South Metro President.

Mary Clark (center) of BancorpSouth is presented her 40-Year certificate by (left) Don McCarver, BancorpSouth Market President, and (right) Sherry Williams, BancorpSouth Assistant Vice President/Branch Manager.

SEPTEMBER/OCTOBER 2014

25

Bankers on the Move THE MISSISSIPPI BANKER

BankFirst

BankPlus

Beth Bonhaus has joined the Tuscaloosa Loan Production Office as Mortgage Originator. She received a bachelor’s degree in human resources and Spanish from Vanderbilt University and a master’s degree in counseling from Bonahus Xavier University. Bonhaus has been a mortgage lending officer for 17 years.

Lee Hardy was promoted to Assistant Vice President in the bank’s Flora Banking Center. He is a graduate of the Mississippi School of Banking.

Hardy has over nine years of experience in the banking industry.

BankPlus Susan Barnett was promoted to Bank Officer & Credit Analyst in the bank’s Credit Administration Department. She is a graduate of Mississippi College. Barnett has been part of the BankPlus team for nearly 14 years.

John Boatner was promoted to Bank Officer in the bank’s Madison Banking Center. He is currently attending Belhaven University. Boatner has been part of the BankPlus team for seven years and has over 11 years of banking experience.

Erin Duffy was promoted to Bank Officer in the bank’s Jackson Banking Center. She is a graduate from The University of Southern Mississippi and Belhaven University.

Duffy joined the BankPlus team in 2006.

26

John Granger has been promoted to Bank Officer in the bank’s Byram Banking Center. He earned his bachelor and masters’ degree in business administration from Mississippi College. Granger has over ten years of experience in the banking industry.

BankPlus

Granger

Hardy

Barnett

Baotner

Duffy

Toni Houston has been promoted to Assistant Vice President in the bank’s Jackson Banking Center. She is a graduate of the University of Mississippi. Houston has been in the banking industry for a total of 17 Houston years and has been part of the BankPlus team since 2003.

W. Bryan Houston has joined BankPlus as Vice President & Deposit Operations Manager in the bank’s Operations Department. He is a graduate of The University of Southern Mississippi.

Houston has over 20 years of experience in the banking industry.

THE MISSISSIPPI BANKER

Houston

Andrew Johnson has joined BankPlus as Vice President in the bank’s Commercial Real Estate Department. He is a graduate of The University of Southern Mississippi.

Johnson has over 15 years of experience in the banking industry.

Johnson

Leona Phillips was promoted to First Vice President & Consumer Loan Analyst in the bank’s Credit Administration Department. She is a graduate of the Mississippi School of Banking.

Phillips has 35 years of Phillips experience in the banking industry and has been part of the BankPlus team since 2005.

John Pitts was promoted to Vice President & Senior Commercial Appraisal Review & Eval Analyst in the bank’s Credit Administration Department. He is a graduate of Mississippi State University and the Pitts American Bankers Association’s National Commercial Lending School. Pitts has been part of the BankPlus team since 2005 and has eight years of experience in the banking industry.

Marc Porter was promoted to Senior Vice President & Legal Counsel in the bank’s Legal Department. He is a graduate of Lynchburg College, Mississippi College School of Law and Georgetown Porter University Law Center.

Porter has over ten years of experience in the banking industry.

Bankers on the Move THE MISSISSIPPI BANKER

BankPlus

Citizens Bank, Columbia

Chris Roberts has joined BankPlus as Assistant Vice President in the bank’s Madison Banking Center. Roberts has over ten years of experience in the banking industry.

Roberts

Laura Sermons has joined BankPlus as Bank Officer in the bank’s Jackson Banking Center. She graduated from Mississippi State University with a bachelor’s degree in business administration. Sermons has over 17 years of Sermons experience in the banking industry.

Lindsay Akers Tomlinson has been promoted to First Vice President & Director of Analytics in the bank’s Marketing Department. She received her bachelor’s degree in computer science from Millsaps College and at- Tomlinson tended graduate school at Louisiana State University. Tomlinson has over 11 years of experience in the banking industry and has been part of the BankPlus team since 2008.

Br u c e Ul r i c h h a s joined BankPlus as Assistant Vice President & Marketing Communications Manager in the bank’s Marketing Department. He is a graduate of Mississippi College with a Ulrich bachelor’s degree in business administration. Ulrich has over eight years of experience in the banking industry.

Community Bank

Patricia Norris has been promoted to Vice President and Human Resources Directory. She attended Hinds Community College and has completed a number of American Institute of Banking courses. Norris Norris has 17 years banking experience and has been an employee of Citizens Bank for the past three years.

Shane’ E. Dubois has joined Community Bank in the Flowood office as a Vice President. Dubois has over nineteen years of experience.

Libby Purvis has joined Citizens Bank as Vice President and Regulatory Compliance Officer.

She attended Jones County Community College. In addition, she has received certification as a Certified Purvis Regulatory Compliance Manager from the American Bankers Association Institute of Certified Bankers. Purvis has 34 years of banking experience.

Ryan Reeves has been promoted to Assistant Vice President in Forest.

He is a graduate of Mississippi State University with a bachelor’s degree in business administration.

Reeves has also completed his first year at the Mississippi School of Banking.

Reeves

Guaranty Bank & Trust Co.

The Citizens Bank, Philadelphia Sam Mars has been promoted to Assistant Vice President. He is a graduate of the University of Mississippi with a bachelor’s degree in business administration. Mars joined The Citizens Bank in 2010.

Dubois

Kim M. Buehring has joined the bank as an Assistant Vice President in its Cleveland office. Buehring is a graduate of Delta State University where she earned her bachelor’s degree in business administration.

Mars

Buehring

Community Bank Chris Blakeney has been promoted to Assistant Vice President for Community Bank’s office in Raleigh. He is a graduate of The University of Southern Mississippi with a bachelor’s degree in business administration Blakeney and a master’s degree in sports management.

Blakeney has been with Community Bank since 2013.

Mary J. Reeder will serve as an Assistant Vice President in the bank’s Batesville office. She attended both Itawamba Community College and Northwest Community College. Reeder has nearly 30 years of experience in the banking industry.

Reeder

SEPTEMBER/OCTOBER 2014

27

Bankers on the Move THE MISSISSIPPI BANKER

Magnolia State Bank

PriorityOne Bank

Bridgette Cain has joined the Executive Management Program at Magnolia State Bank. She earned a bachelor’s degree in business administration from The University of Southern Mississippi and Cain a master’s degree in public policy and administration from Mississippi State University. Cain has 25 years of experience in accounting.

Will Lott has been named Vice President of PriorityOne Mortgage.

He received his bachelor’s in banking and finance from Mississippi State University. Additionally, he is a graduate of the Mis- Lott sissippi School of Banking and the Graduate School of Banking at LSU. Lott joined the PriorityOne Mortgage team in 2014.

Miriam Cain has been promoted to Loan Officer at the Taylorsville location.

She received her degree from Jones Junior College.

Cain has 41 years of banking experience, 16 of which have been with Magnolia State Bank.

Barbie Haire has been named Loan Originator for PriorityOne Mortgage.

She has 36 years of banking experience, with the last 23 in mortgage lending.

Haire joined the PriorityMortgage team in 2014.

Will Harris has joined the bank as Residential and Commercial Loan Officer in the Hattiesburg office.

He is a graduate of the University of Mississippi.

Harris has 20 years of experience in the mortgage business.

Cain

Harris

PriorityOne Bank Pryor Hackleman has been named Loan Originator for PriorityOne Mortgage. She received her bachelor’s degree in marketing from Mississippi State University.

Hackleman joined the PriorityOne Mortgage team in 2014.

28

Hackleman

Haire

Harris

Stacy Thompson has been named Assistant Vice President and Manager of the bank’s Cowan Road Branch in Gulfport. She earned her bachelor’s degree in business marketing from California Coast Thompson University. Additionally, she served for eight years in the MS National Guard and attended the Mississippi School of Banking. Thompson has more than 15 years of experience in the banking industry.

THE MISSISSIPPI BANKER

Isael Vallejos has been named Manager of the bank’s Clinton Plaza Branch in Clinton. He earned his degree in business administration from Corozal Junior College.

Vallejos has been with Regions Bank since 2006.

Vallejos

Trustmark National Bank

Regions Bank Shawn Harris has been named Vice President and Business Banking Relationship Manager. He is a graduate of Mississippi College with a bachelor’s and master’s in business administration. Harris has more than eight years of experience.

Regions Bank

David G. “Archie” Anderson has been named Community Bank President for the Meridian market. He earned a bachelor’s degree in agricultural economics from Mississippi State University. Addi- Anderson tionally, Anderson is a graduate of the Graduate School of Banking at LSU and the American Bankers Association’s National Commercial Lending School.

Charlie H. Lewis has been named Community Bank President for the Hattiesburg market. He earned a bachelor’s degree in business administration from The University of Southern Mississippi. Ad- Lewis ditionally, he is a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. Lewis has more than 21 years of experience in the financial industry.

James M. (Jim) Outlaw, Jr. has accepted the new role of EVP and Chief Administration Officer for Trustmark at the company’s headquarters in Jackson. Outlaw joined Trustmark in 1996 and has nearly 40 years of banking experience.

Outlaw

125th Anniversary Magazine

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Let us know about your bank’s involvement in civic and community activities. Send us information on what you are doing.

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MBA Classified Ads THE MISSISSIPPI BANKER

ACCOUNTANT 1: A community bank in east central Mississippi is seeking an accountant. CPA preferred. Perform data analysis, budgeting and forecasting for the financial institution. Develop and implement financial institution fiscal plans and policies, including asset/liability analysis. Candidate must possess strong analytical skills. A bachelor’s degree is required and a minimum of two years’ experience in public accounting; financial institutions preferable. Pay commensurate with qualifications and experience. Reports to Chief Executive Officer. Candidates may submit resumes to rchew@msbankers.com.

ACCOUNTANT 2: Gulf Coast bank seeking accountant. CPA preferred. Perform data analysis, budgeting and forecasting for the financial institution. Develop and implement financial institution fiscal plans and policies. Candidate must possess strong analytical skills. A bachelor’s degree is required and a minimum of two years’ experience in public accounting; financial institutions preferable.

Pay commensurate with qualifications and experience. Reports to Chief Financial Officer.

Candidates may submit confidential resumes to rchew@msbankers.com.

rchew@msbankers.com.

COMPLIANCE OFFICER: Bank seeks full-time Compliance Officer to work in Northeast Mississippi. Applicants should have continuous work history with two years of recent experience in compliance department of a bank. Successful candidate must be professional, exhibit good interpersonal skills (relate to customers and coworkers), and possess sound judgment. Financial responsibility to be verified. Pay commensurate with qualifications and experience. Benefits available on first of month following 60 days of full-time employment. Candidates may submit confidential resumes to rchew@ msbankers.com.

E-BANKING SUPPORT SPECIALIST: A community bank in Ridgeland, MS is seeking an E-Banking Support Specialist to join their Deposit Operations department team. The E-Banking Support Specialist works with the staff of the Deposit Operations in a supportive role, primarily inputting data on the Customer Information File and

BANK EXAMINER: The Department of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. This is travel intensive examination work with the responsibility for conducting examinations of financial institutions. Duties include examination of a financial institution’s soundness, compliance with laws, and the preparation of reports of examination. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resume to roger. sinclair@dbcf.ms.gov.

COMPLIANCE AUDITOR: Bank seeks full-time Compliance Auditor to work in Northeast Mississippi. The applicant must have a bachelor’s degree in a banking-related field, experience in the review of consumer compliance regulations, strong communication and organization skills. Compensation is commensurate with qualifications and experience. Candidates may submit confidential resumes to 30

THE MISSISSIPPI BANKER

Card Management systems, and scanning and indexing documents into the Imaging system. Secondary role will include some customer support by telephone contact with external and internal customers to support all departments within the bank. Candidate must possess strong computer, organizational and customer service skills. A High School Diploma or GED equivalent is required (some college preferred), with one to two years related experience preferred. Pay commensurate with qualifications and experience.

Candidates may submit resumes to Kristy.

Reich@StateBank1898.com.

FINANCIAL CENTER MANAGER: Bank in Gulfport seeks a Financial Center Manager. Applicants should have a Bachelor’s degree or equivalent experience. Successful candidate must have excellent verbal and written communication skills, intermediate to advanced PC skills including Microsoft Word and Excel, ability to manage multiple priorities. Applicant should have a strong work ethic with a sense of commitment, integrity, accountability, and urgency. Applicant must also have the ability to underwrite loans and

HOW TO CONTACT US REGARDING A CLASSIFIED AD:

Contact Rachel Chew, MBA, P.O. Box 37, Jackson, MS 39205.

(601) 948-6366. rchew@msbankers.com

CLASSIFIED AD POLICY - THE MISSISSIPPI BANKER FOR MBA MEMBERS: Classified advertising will be placed in The Mississippi Banker magazine for association member institutions free of charge. The magazine reserves the right to reject any ad or to change or limit the wording of any such ad. Typically, these ads will be for positions open. Other ads, such as sales or purchases of equipment or other property, will also be accepted.

FOR PERSONS SEEKING POSITIONS IN BANKING: Classified advertising will be placed free of charge in The Mississippi Banker for any applicant seeking employment with a Mississippi bank, provided that the position sought is an officer level position and the applicant, as judged by the editor, is a legitimate candidate for the position sought. The magazine reserves the right to reject any ad, to limit or change the wording of any ad, or to limit the period of time the ad will be carried.

OTHERS: Classified ads are not available for MBA Affiliates or non-members.

make sound credit decisions. This position will ensure all activities and work functions meet compliance requirements as defined in company policies and procedures and state and federal laws and regulations. The financial center manager will direct branch personnel to achieve goals and standards for financial performance, quality service and culture.

Additionally, this position will be responsible for building deposit relationships by calling on businesses, professional groups, high net worth individuals and existing customers to solicit new deposit and loan business. The financial center manager will also solicit referrals, review existing account relationships for opportunities to meet additional needs with other products or services and make proposals as appropriate, and participating in civic and community activities to generate visibility and contacts for the bank. Will manage staff members by completing performance appraisals, coaching and developing, and conducting performance management activities. The branch manager will maintain and develop branch cultures, values and reputation in its market and with all staff, customers, suppliers, partners and regulatory/official entities.

Candidates may submit resumes to ppierce@ mycharterbank.com.

INFORMATION TECHNOLOGY OFFICER: A community bank in the central Mississippi area is seeking an Information Technology Officer to oversee all aspects of the bank’s information technology operation. Responsibilities include monitoring and evaluating the overall operation of the local area network, wide area network, and the mainframe to ensure optimal performance and security.

The Officer will coordinate software updates, enhancements and expansions. The Officer will coordinate information technology service, maintenance, and procurement of new equipment. The Officer will be responsible for training new users on basic system operations and experienced users on new or updated hardware and software. The Officer will also be responsible for interacting with regulatory personnel concerning the bank’s information technology posture. The Bank prefers applicant with three years of experience of work in a bank’s information technology department.

Candidates may submit confidential resumes to rchew@msbankers.com.

INTERNAL AUDITOR: Bank seeks full-time Internal Auditor to work in Northeast Mississippi. The applicant must have a bachelor’s degree in a banking-related field, experience in bank auditing, strong communication and organization skills. Compensation is commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers. com.

PRIVATE BANKER: A local community bank seeks a private banker to work in a branch location to facilitate teller transactions for private banking clients/customers, seek and engage loan and deposit clients/customers, facilitate contract signings and closings, comply with all applicable laws, assist in the collection and creation of paperwork for processing of deposit and loan operations, complete due diligence and basic paperwork on loan applications and new account customers, return phone calls and answer questions related to the preparation of customer documents in deposit and lending operations, maintain and service a high call volume of existing and potential clients/customers, coordinate with Deposit and Loan Operations to ensure follow up of necessary documentation, ensure customer contact and satisfaction for all banking needs.

Skills/Requirements: • Previous bank experience in lend ing and/or deposit operations • Previous experience in attorney loan closings and/or mortgage industry • PC proficiency and ability to use Microsoft products, such as Word and Excel • Ability to organize, multitask and meet deadlines • Well-developed interpersonal, communication and customer service skills • College experience is preferred Please send resume in strict confidence to jobapp@megagate.com and/or apply at the local WIN Job Center. The company is an Equal Opportunity Employer (EOE). No applicant for employment with the Company shall be subjected to discrimination because of race, color, sex, national origin, religion, disability, age, reprisal for engaging in antidiscrimination activities, protected genetic information, sexual orientation or parental status.

SENIOR OPERATIONS OFFICER: A community bank in the central Mississippi area is seeking a senior operations officer.

Experience with FIS Software (Kirchman) would be helpful. This person is responsible for management and development of information technology, risk management, daily operations, budgeting, record retention, coordination of maintenance contracts and communication systems. Works closely with chief executive officer, chief financial officer and all other management staff. Must have good management and communication skills.

Must be professional, motivated and organized. Salary negotiable based on experience.

Candidates may submit confidential resume to rchew@msbankers.com.

BANKER SEEKS NEW OPPORTUNITY: Relocating to Jackson area; seeking employment in commercial lending.

Commercial banking experience includes determining potential commercial banking needs for customers and prospects through community involvement, team prospecting, and relationship building. Background in structuring, analyzing and underwriting loans including manufacturing, health care, public finance, and commercial real estate. Excellent communication and analytical skills. For additional information, please contact rchew@ msbankers.com.

BANKER SEEKS NEW OPPORTUNITY 2: Central Mississippi banker seeking Operations or Information System job, with over 30 years of bank operations experience with in-house FiServ(Premier/ ITI) and FIS(Bankway) systems. Senior Operations experience including multiple department budgeting and management, Information Security, Vendor Management, Disaster Recovery, Compliance and Policy management and staff support. Technically oriented self starter with excellent communication skills,. Will relocate if necessary.

For additional information, please contact rchew@msbankers.com.

SEPTEMBER/OCTOBER 2014

31

American Bankers Association THE MISSISSIPPI BANKER

Elections Matter

By Gov. Frank Keating, American Bankers Association President and CEO The topic of our panel discussion was bipartisanship. And even though former Ag Secretary Dan Glickman and former League of Women Voters President May Wilson and I come from different places on the political spectrum, we enjoyed a Keating lively discussion and a lot of agreement.

My assessment – part of the recent twoday Domenici Public Policy Conference in Las Cruces, N.M. – is that opposition is a necessary element to eventual compromise, rather than a full-stop roadblock to good public policy.

The metaphor I used was to imagine our nation as a ship of state. If the USS United States goes down, we all go down together – Republican and Democrat alike. Adversarial politics is per se destructive. Loyal opposition means to oppose with principle, but then to compromise with the other party to solve the nation’s hugely difficult problems.

Elections matter, too. It’s important that

we elect people who understand banking and how to effectively solve problems. Elections are your opportunity to create a better policy environment for your bank, customers, community, and our national economy.

We have several tools available for participating in the political process. ABA BankPac is one. BankPac made it possible for us to participate in 80 percent of the House races and virtually every Senate race in the last election. BankPac also works closely with your state association’s leadership in deciding which candidates to support.

Another tool we’re using is ABA’s Financial Education and Advocacy Initiative, or FEAI. FEAI is not a PAC like BankPac, or a SuperPac like Friends of Traditional Banking. FEAI is a 501(c)(4) and as such it can accept corporate contributions and fund “get out the vote” efforts and educational initiatives.

FEAI’s efforts made a significant impact during the 2012 election cycle, with “get out the vote” efforts in five key battleground states.

More recently, FEAI has helped increase the industry’s advocacy efforts around tax reform for credit unions and the Farm Credit System. FEAI’s education efforts have

included activities such as ad campaigns promoting the positive role banks play in their communities, and an informational brochure on the farm credit system to help educate policymakers on the least known of all GSEs. Amplify is a third tool we’re using to create a more favorable political environment.

Amplify is a grassroots online platform to help you tell your story to your community, send a letter to Congress, or invite your congressman to visit the bank. It’s open to any and every banker at amplifybankers.com.

One of the newest Amplify engagement tools is the interactive Twitter map, designed specifically to help bankers tweet their members of Congress on key industry issues, including regulatory burden, data security, the Farm Credit System and credit unions.

The purpose of these three ABA tools --BankPac, FEAI and Amplify --- is to make the conversation about banking a positive one.

The importance of the role that you and your bank plays in your community is something everyone should agree on. © 2014 American Bankers Association. All rights reserved. Reprinted with permission.

2014 Bank Directory Now Available The MBA’s Mississippi Bank Directory brings you the most up-to-date information on Mississippi’s banks. Use the directory to reach officers and directors or as a reference source to up-to-date financial data on the state’s banks. The directory includes: • • • • • • •

Mississippi commercial banks and branches by city/town Addresses, Phone numbers, Web sites and email addresses Routing numbers MBA Affiliate members Banking and trade organizations State and federal regulatory agencies Key state elected and appointed officials

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Visit www.msbankers.com or call (601) 948-6366 32

THE MISSISSIPPI BANKER

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Mississippi Bankers Association

125 CONGRATULATIONS MISSISSIPPI BANKERS ASSOCIATION

For your 125 years of service to Mississippi bankers.

Hederman Brothers would like to offer a very sincere note of congratulations to our friend and long time partner, the Mississippi Bankers Association, on their landmark celebration of 125 years of service to the state of Mississippi.

500 Steed Road Ridgeland, Mississippi 39157 601.853.7300 1.800.844.7301 www.hederman.com

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