The Mississippi Banker - July August 2016

THE MISSISSIPPI

FRANK SIBLEY 128th MBA Chairman

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The official publication of the Mississippi Bankers Association Rachel Chew • Editor

FOUNDED 1889

Volume 101 • Number 1 • July/August 2016

OFFICERS

Chairman Frank Sibley, Marks Vice Chairman Jerry Host, Jackson Treasurer Mary Childs, Ripley President McKinley W. Deaver, Jackson

Features

‘MYB Day at the Capitol’.......................................................... 13

BOARD OF DIRECTORS Terms Expiring 2017 Dennis Ammann, Mendenhall Greg Cronin, Biloxi Bobby Steinriede, Hollandale Mitch Waycaster, Tupelo James Wicker, McComb Terms Expiring 2018 Andy Anderson, Anguilla Hoppy Cole, Hattiesburg Arthur DuCote, Jackson Michael Dudley, DeKalb Moak Griffin, Columbus John Neville, Ridgeland Frank West, Batesville Terms Expiring 2019 Steve Gresham, Holly Springs Eddie Hammond, Winona Dan Rollins, Tupelo Mark Tapp, Baldwyn Ex-Officio Members Frank Sibley, Chairman, Marks Jerry Host, Vice Chairman, Jackson Mary Childs, Treasurer, Ripley George Marx, Retiring Chairman, Hazlehurst Freddie Bagley, Preceding Chairman, Brandon

STAFF President................................ McKinley W. Deaver Senior V.P., Operations..........................Amy Davis Senior V.P., Gov. 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

Large group of young bankers visit State Capitol during 2016 Legislative Session

Graduate School of Banking at LSU.......................................... 14 26 Mississippi bankers complete a three-year GSB program

Mississippi School of Banking..............................................15-17 69 graduate from MBA-sponsored school

2016 MBA Annual Convention...........................................19-25 ‘X Marx the Spot’ at Mississippi bankers annual reunion

Frank Sibley: 128th MBA Chairman...................................26-28 Every customer is a piece of the ‘success’ puzzle

Association Membership Elects Leaders................................29-30 New officers, board members chosen for 2016-17

MBA 40-, 50- and 60-Year Clubs.........................................32-33 Bankers recognized for years of service

Departments From the President...............................................................................................................2 Around the State.............................................................................................................. 3-8 Good Neighbors.................................................................................................................10 Government Relations Update...........................................................................................12 Calendar............................................................................................................................18 Bankers on the Move.................................................................................................... 34-37 Classified Ads............................................................................................................... 38-39 American Bankers Association............................................................................................40 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...................Kent Mortimer, Kilmichael Vice President................Wes Rouse, Hattiesburg Treasurer................................Bob Glover, Ripley

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

JULY/AUGUST 2016

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From the President

THE MISSISSIPPI BANKER

Making the best better MBA planning process underway

By Mac Deaver, MBA President To make the best better. I first learned this phrase as the motto of the 4-H Club almost 50 years ago. To me, these words epitomize what it takes to be successful: Striving to be better Deaver even after you have become “the best.”

Certainly, the Mississippi Bankers Association has a long history of success.

Our association can be proud of its role in many positive developments for Mississippi banking over the past 127 years.

As banks have adapted to many changes over the years, the MBA has stayed true to its mission of serving the interests of its members. We have done this by sticking to “tried and true” ways of doing things.

While this approach has served us very well, it also poses the threat that success can turn into complacency.

I am pleased that, in the past six months, MBA leaders have set in motion a planning process designed to assure that our association stays successful and relevant going forward. Under the leadership of MBA Chairman Frank Sibley, a planning committee has begun to examine our association’s goals and objectives and to explore ways we can best meet them.

Joining Chairman Sibley on the planning committee are Vice Chairman Jerry Host, Treasurer Mary Childs, immediate Past Chairman George Marx, and senior staff members Amy Davis, Gordon Fellows and myself.

Our committee is working to identify what the MBA can deliver to our members to maximize the value of membership in our association. The goal is to submit a 2

strategic plan to the MBA Board of Directors for approval this fall. Importantly, in addition to recommending actions to implement a success strategy, the plan will provide for review and reassessment by the Board on an ongoing basis.

What is the most effective use of MBA resources to meet its mission and deliver maximum value to member banks?

The MBA’s mission has always been to promote a safe and successful banking industry in Mississippi and, by doing so, to support economic prosperity for our banks’ customers and communities. I do not anticipate that the current planning process will change this important mission - but I do expect the process to come up with new ways of accomplishing it.

An important first step in the planning process is taking an honest and critical look at MBA activities and programs.

There are many questions we seek to answer. Does the association need to continue its current activities and programs?

Do we need to modify them? Do we need to terminate some programs and replace them with others? What new needs of our members should the MBA address?

How can we assure that our association stays viable and suceesful?

To begin the planning process, the planning committee is now reviewing all aspects of MBA operations. We are looking at membership levels, participa-

THE MISSISSIPPI BANKER

tion trends among individual bankers, industry issues and priorities, and many other factors. We will be seeking to identify needs and considering innovative approaches to address them. The bottom line question is: What is the most effictive use of association resources to meet our mission and deliver maximum value to our member banks?

Critical to the development of a meaningful strategic plan is input from our MBA member banks and bankers.

Just as your involvement and support has produced our success, your support will be the key to our future course.

To this end, the planning committee distributed a Member Survey to member banks on August 1. This online survey asks you to rate the value and importance of specific MBA programs and activities -- and to offer your comments and suggestions. Your survey responses will help us develop a more meaningful strategic plan. I encourage your participation in the survey.

I thank all bankers for giving support to our association as we step back and take a look at where we have been and where we are going. The MBA leadership and staff are committed to doing this. We appreciate your helping us in this worthy endeavor.

Celebrating over 125 years

Around the State

THE MISSISSIPPI BANKER

Webster retires from FDIC T h e Fe d e r a l Deposit Insurance Corporation has announced the retirement of Cottrell Webster as the FDIC’s Ombudsman. His retire- Webster ment was effective June 30, 2016.

The FDIC Board of Directors appointed Webster FDIC Ombudsman in 2002. During his tenure, Webster regularly interacted with bankers, industry representatives, community groups, and other members of the public.

During the most recent financial crisis, Webster worked closely with the banking community to address its questions, which significantly contributed to the achievement of the FDIC’s mission to preserve and promote public confidence in the U.S. financial system.

Webster joined the FDIC in 1972 as an assistant bank examiner in the FDIC field office in Houston, Texas.

Later he was promoted to a commissioned bank examiner and review examiner in the Dallas regional office. In 1985, he was appointed assistant regional director of the FDIC’s Chicago region, and in 1994 he was appointed regional director of the Memphis region.

A native of Coldwater, Webster graduated from Mississippi Valley State University with a degree in business administration and from The Stonier Graduate School of Banking at Rutgers University.

MBA affiliates with ICBA, Begins dual affiliation with ABA, ICBA MBA has become a state association affiliate of the Independent Community Bankers of America (ICBA). At its May meeting, the ICBA Executive Committee approved the application of the MBA Board of Directors for a formal affiliation between associations. The MBA becomes the 16th state bankers association to have a dual affiliation with the ICBA and the American Bankers Association (ABA).

“We see our affiliation with ICBA as an opportunity to better serve our common members through a sharing of resources, services and communications,” said MBA President Mac Deaver. “Approximately 70% of MBA member banks are ICBA members, and a number of Mississippi bankers are active in the ICBA. MBA leadership and staff is conferring with the ICBA about ways to work together. ICBA will be included on the agenda for this year’s MBA Washington Visit scheduled September 11-14.

The MBA continues its affiliation with

the ABA as in the past. The association leadership will continue to participate in the ABA Alliance of State Associations, and the MBA will continue to nominate bankers to serve on ABA councils and committees. The MBA will work with ABA and ICBA in connection with government relations matters, and the MBA-sponsored political action committee (MissBankPAC) will remain affiliated with ABA BankPac. “The dual affiliation with ICBA and ABA will help the association better meet its mission of serving all Mississippi banks through effective advocacy, education, communications, and products and services,” Deaver said.

MBA’s Fellows promoted to Senior VP of Government Relations Gordon Fellows has been promoted to Senior Vice President, Government Relations.

Fellows joined the MBA in August 2012 as Vice President, Government Relations. He Fellows joined the association after six years in the furniture industry, three of which were spent in China. He earned a bachelor’s degree in international studies at the Croft Institute at the University of Mississippi. He was elected ASB president while attending Ole Miss.

In his new position, Fellows will con-

tinue to manage the association’s government relations and political activities, including advocacy efforts on the state and federal level (covering legislative and regulatory issues), coordinating the annual MBA Washington Visit, and serving as liaison to the Legislative and Bank Attorneys committees. As Senior Vice President, he will assume additional duties, and he will have an increased role as a member of the association’s senior management team.

Fellows is married to the former Sara Hart Rosenblatt of Jackson. They live in Madison are members of First Presbyterian Church in Jackson.

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Around the State

THE MISSISSIPPI BANKER

Brown retires from Trustmark Mortgage Services Receives 2015 Fannie Mae STAR™ Program Regions Bank Regions Bank North Mississippi A re a Pre s i d e n t , Jimmy Brown, has retired.

Brown worked for 42 years with R e g i o n s B a n k . Brown Since 2005 he served as North Mississippi Area President, where he oversaw all banking operations in the North Mississippi region.

Prior to 2005, Brown served as regional executive for North Mississippi. After joining Regions in 1975, he served as community bank president and commercial lender.

“We are grateful to Jimmy for his many years of outstanding service, and wish him and his family the very best in his retirement,” said Arthur DuCote, Regions Bank’s Mississippi President.

DuCote said Brown plans to remain active with Regions by serving as Chairman of the Board for North Mississippi.

Among his civic and community activities, Brown served as President of the University of Mississippi Alumni Association and currently serves on the Board of the University of Mississippi Foundation, the Rust College Board of Trustees, and the Board of Directors of the Chickasaw Council, BSA. He previously served on the Mississippi Bankers Association Executive Committee.

Brown is married to Susan Lisenby Brown, a graduate of the University of Mississippi. He has 2 children, Lee Brown and Natalie Baeshen and 4 grandchildren.

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Recognition

Trustmark is pleased to announce that its Mortgage Services division received the 2015 Fannie Mae Servicer Total Achievement and Rewards™ (STAR™) Program recognition for its overall performance for General Servicing.

The program measures servicers across key operational and performance areas relative to their peers and acknowledges their achievement through STAR Performer recognition. Trustmark serviced more than 56,000 mortgages in 2015 with total balances in excess of $7 billion.

“We are honored to receive this recognition, which reflects a group effort as the criteria extends over numerous functional areas within Mortgage Services,” Trustmark Mortgage Services President Breck Tyler stated. “Our Mortgage Services division is dedicated to providing exceptional customer service and viable solutions that meet our customers’ needs, including assistance that promotes sustainable homeownership.”

THE MISSISSIPPI BANKER

The STAR Program provides consistent, specific and measurable expectations aligned with Fannie Mae’s business objectives. Focusing on critical success factors and associated measurements helps prioritize servicer efforts and identify the key linkages between operational areas and business results.

A key objective of the STAR Program is to provide benchmarks that drive servicers to continually strive toward excellence. Fannie Mae has selected a targeted set of financial, performance and capability measures that are important in assessing the overall effectiveness of its servicers.

“While we continue to evolve our processes to meet the many challenges within the financial industry, we will always remain focused on those factors required to continue to be a premier mortgage servicer,” Trustmark Mortgage Services Manager Robert Parker stated.

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Around the State

THE MISSISSIPPI BANKER

Small Business Administration recognizes Peoples Bank, Mendenhall, as Top SBA lender in Mississippi Peoples Bank, Mendenhall, partnered with the U.S. Small Business Administration in 1989 to help Mississippian’s start, build and grow businesses. Twenty-seven years later, 642 small businesses have been able to grow and develop because of this partnership. Peoples Bank has received a number of outstanding awards for its commitment and dedication to helping grow local small businesses. Recently the bank was recognized as the Top SBA Lender in Mississippi. The award was presented at an event held in Jackson.

Janita Stewart, SBA District Director, commented, “Congratulations again…

Peoples Bank really makes a difference in entrepreneurial development and con-

tributes to the growth of small businesses in our state.”

Pictured are (L-R): Janita Stewart, SBA District Director; Linda Lowe, Peoples Bank SBA Lending Assistant; Kim Welch, Peoples Bank Poultry Loan Assistant; Jason Smith, Peoples Bank Poultry Lending Officer; Gary Reed, SBA Deputy Director.

Community Bank’s Gordon named in ‘Top 50 Under 40’ Jill Gordon, Senior Vice President, Treasury Management and Business Development Officer at Community Bank was recently named one of Mississippi Gordon Business Journal’s ‘Top 50 Under 40’. She has more than 18 years of professional experience in the banking and financial services industry.

Gordon graduated with honors from The University of Southern Mississippi, and she began her banking career at Union Planters Bank in January 1999.

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Around the State

THE MISSISSIPPI BANKER

Ryan Holmes Joins Bank of Brookhaven Board of Directors Bank of Brookhaven Chairman Bill Sones announces the addition of Ryan A. Holmes to the board of directors of Bank Holmes of Brookhaven.

Holmes is the vice president of Dungan Engineering, PA, which has offices in Columbia, Picayune and Brookhaven. He is a graduate of the University of Mississippi with a bachelor’s of science degree in civil engineering. Holmes is a graduate of Leadership Mississippi and is a member of Mississippi Association of County Engineers, associate member of Mississippi Association of Supervisors, the Brookhaven-Lincoln County Chamber of Commerce, past chairman of the Lincoln County Industrial Development Foundation and an associate member of the Mississippi Municipal League.

He is married to the former Whitney Wallace of Columbia, and they have two children, Collin and Carley. Holmes is a member of First Baptist Church in Brookhaven, where he serves as vice chairman of deacons.

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Bank of Commerce, Greenwood, Opens branch in Columbus Bank of Commerce opened an office in Columbus on April 7, 2016, bringing its number of offices to five throughout the state. Mark Crigler, a Columbus native with 16 years of prior banking experience, will serve as president of the Columbus branch.

“We are finding a wonderful niche in university towns,” said Brian Thornhill, president of Bank of Commerce. “We started in Oxford because we had many loyal customers whose children were at Ole Miss, and they wanted the same personal service they were used to in Greenwood. That worked very well, so we decided to open a branch in Starkville, and now we’ve moved into Columbus,” Thornhill said.

The building at the corner of Main and Fifth street that houses the bank was built in 1908, and the bank officers agreed that it was rewarding to be in a building with almost as much history as the bank itself.

Thornhill added, “Bank of Commerce was Greenwood’s only bank to survive the Great Depression, so we appreciate the solid foundation of safe banking our cus-

tomers rely on.

But we are also a re e x tremely proud of staying on the cutting edge of technology in offering our customers products that make their lives a little easier.”

“We are excited to be part of a vibrant downtown area in Columbus,” said Crigler. “The Columbus Main Street association does such a great job with their commitment to historic preservation, and we are proud to be a part of that. They have been lauded for their work in successful small business development, and that’s certainly something we feel strongly about as well,” he continued.

Guaranty Bank & Trust Company Expands into DeSoto County Guaranty Bank & Trust Company, opened the bank’s newest location at 5960 Getwell Road, Suite 112, in Southaven in June. Hue Townsend, Chief Executive Officer said that Andy Nichols has joined the bank and will serve at the new Southaven location.

The new branch is located adjacent to Snowden Grove Park. While we are excited about our new office in Southaven,

THE MISSISSIPPI BANKER

we are actively looking for an additional site in Desoto County.

“We are confident the families and business owners throughout the Southaven area will be introduced to a new and refreshing brand of community banking,” Townsend said. “I believe Nichols will do an exceptional job in his new position.

He believes in our foundation of servicedriven, solutions-based banking.”

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Good Neighbors

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Trustmark’s ‘A Gift of Time’ campaign supports Habitat for Humanity of the Mississippi Gulf Coast Trustmark’s A Gift of Time campaign which takes place each year during the months of May and June gives Trustmark associates the opportunity to share their time and talents during business hours by volunteering with a local nonprofit organization. As a part of this year’s campaign, Trustmark associates in the Biloxi and Gulfport market partnered with Habitat for Humanity of the Mississippi Gulf Coast.

“This was the first Habitat home that I’ve had the pleasure of assisting to build. The Habitat crew was very knowledgeable and made our team feel comfortable with using tools for construction. The experience of building a home was very empowering, but most importantly, it was rewarding to know we had a hand in helping build someone’s dream home,” Trustmark Gulfport branch

manager Amy Haygood stated.

Habitat for Humanity of the Mississippi Gulf Coast creates innovative sustainable housing solutions and opportunities for people throughout Harrison, Jackson and Stone counties.

“This experience was rewarding for me on many levels; it was educational, informational and inspirational. It provided an environment for both myself and my colleagues to build confidence, trust and develop new skills as a team outside of the normal work setting while making a significant impact in our community,” Trustmark financial services representative and teller Kimberly Williams stated.

The A Gift of Time campaign includes Trustmark associates from over 200

locations in Alabama, Florida, Mississippi, Tennessee and Texas. Over the last seven years, Trustmark associates across all five states have collectively given more than 8,500 volunteer hours during the A Gift of Time campaign.

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THE MISSISSIPPI BANKER

Mississippi CDFI Banks

Over 400 Years’ Experience

A large group of Mississippi bankers gathered in Washington, D.C., for a meeting hosted by Community Development Bankers Association.

A group of BNA retired bankers representing 433 years of service. Back Row (L to R): Lottie Gullick, Judy Collier, Lana Hall, Paulette Cossitt, Ann Wages, Jean Dillard, Shirley Sanford, Betty Hardin, and Juliette Foster. Front Row (L to R): Anita Roberts, Peggy Roberts, Jeanette Murphy, Betty Hackathorn, and Sara Mattox.

JULY/AUGUST 2016

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MBA Legislative Update THE MISSISSIPPI BANKER

Franchise tax, DBCF funding bills Highlight 2016 session of Legislature On Thursday, April 21, the Mississippi Legislature adjourned the 2016 Regular Session, concluding the first year of the new 4-year legislative term that began after the 2015 state elections. Over the course of the session, 2,758 bills were filed, along with 457 resolutions and 85 nominations. In total, the Legislature considered 3,300 separate items, though many of the bills were never brought out of committee. With the guidance of the MBA leadership – George Marx from Hazlehurst, Frank Sibley from Marks, and Jerry Host of Jackson – and involvement by our member banks, the MBA enjoyed a highly successful session. We achieved a number of our priorities this session, thanks to all the bankers that supported our efforts at the Capitol this year.

This session, two of the MBA’s priority issues included addressing Mississippi’s Corporate Franchise Tax and supporting the Mississippi Department of Banking and Consumer Finance Budget request.

The franchise tax was addressed as part of SB 2858, Senator Joey Fillingane’s Taxpayer Pay Raise Act of 2016. This bill, which was heavily supported by Lt. Governor Tate Reeves, ultimately passed both chambers and was signed into law

by Governor Bryant. As enacted, this bill will: • Phase out of the 3% income tax bracket over a 5 year period beginning in 2018 • Create a new self-employment tax credit over a 3 year period beginning in 2017 • Phase out of the corporate franchise tax over a 10 year period beginning in 2018 After heavy debate in both chambers, the final version of SB 2858 passed the House by a vote of 73 “yeas” to 44 “nays” and the Senate by a vote of 36 “yeas” to 14 “nays.” Revenue measures require 2/3 votes to pass - 72 votes in the House and 35 votes in the Senate – so this important tax cut legislation was barely passed.

The MBA was also very involved in legislation to fund the Department of Banking and Consumer Finance (DBCF) in Fiscal Year 2017 – SB 2910. This bill was passed into law, granting the DBCF authority to hire 11 new examiners and gives the agency a roughly $1 million budget increase.

While this is less than the increase requested by the department and supported by the MBA, the new hiring authority

and budget increase is a significant improvement for the DBCF – especially in a time when most state agencies are facing budget reductions.

The MBA was also very active in discussions about SB 2362, Senator Buck Clarke’s Budget Simplicity and Transparency Act. This bill, as originally drafted, would have changed a number of “special fund” agencies to “general fund” agencies – including the DBCF. The MBA expressed serious opposition to including the department in this legislation, and a number of bankers discussed their concerns with various legislative leaders.

This effort was successful in convincing the Legislature to remove the banking department from the bill.

SB 2362 was ultimately signed into law

by Governor Bryant, without inclusion of the DBCF. Over the course of the session, the MBA closely monitored more than 200 bills that could have had an impact – whether positive or negative – on the banking industry. 22 of these closely watched bills made it all the way through the legislative process and were signed into law by Governor Bryant.

September 11-14, 2016

Annual MBA Washington Visit THE MADISON HOTEL WASHINGTON, DC

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THE MISSISSIPPI BANKER

Mississippi Young Bankers

THE MISSISSIPPI BANKER

Mississippi Young Bankers ‘Day at the Capitol’ On March 29, the MBA’s Mississippi Young Bankers Section held its annual “MYB Day at the Capitol.” Numerous young bankers spent the day at the State Capitol in Jackson learning about how the legislative process can impact the banking industry and how the MBA works to express industry concerns to state lawmakers during the annual legislative session.

The day started with a briefing at the MBA office, where MBA Chairman George Marx explained the importance of banker involvement in government relations and grassroots activism to attendees.

Chairman Marx encouraged attendees to work to build relationships with local government leaders throughout their careers.

As part of the briefing, MBA President Mac Deaver and Senior Vice President of Government Relations Gordon Fellows discussed a number of priority issues for the association expected to be debated by the legislature in the coming days.

After the briefing concluded, the MYB group walked to the State Capitol and observed the morning session of the State Senate, where Senator Rita Parks, Chair-

man of the Senate Committee on Business and Financial Institutions, recognized the group.

After the Senate adjourned, the group met separately with Lt. Governor Tate Reeves and Speaker of the House Phillip Gunn to learn more about the legislative process and the importance of political involvement.

Senator Parks and Representative Hank Zuber, Chair- Large group of young bankers participate in meetings at the man of the House Committee Capitol during ’MYB Day at the Capitol.’ on Banking and Financial Services, joined the group for ments with the commissioner and her lunch.

Bankers then moved to the House staff.

The MBA and MYB are already plangallery and watched the House debate a number of different bills, before attending ning a ‘MYB Day at the Capitol’ for the the final meeting of the day with Commis- 2017 legislative session. Bankers who sioner of Banking and Consumer Finance are interested in finding out more about Charlotte Corley, Deputy Commissioner ‘MYB Day at the Capitol’ are encouraged Rhoshunda Kelly and General Counsel to contact Gordon Fellows at gfellows@ Stehen Schelver. Bankers discussed a msbankers.com or by calling the MBA number of recent regulatory develop- office at (601) 948-6366.

MYB Executive Council makes contribution to MBA Education Foundation After another successful year, the Mississippi Young Bankers section made a $8,000 gift to the MBA Education Foundation. The latest MYB gift was approved by the section’s Executive Council in July, on the recommendation of president Kent Mortimer and past president Parker England.

The MBA Education Foundation was established in 2012 by the Mississippi Bankers Association Board of Directors to promote banker and consumer education

in Mississippi. The Foundation’s mission is to fund and operate scholarship programs and to support the delivery of personal financial education by the MBA and its member banks. The ultimate mission of the Foundation is to create prosperity and success for Mississippians and Mississippi communities through education.

The MBA Education Foundation utilizes these funds to provide scholarship to bankers seeking to further their financial education, senior college students study-

ing banking and finance and outstanding high school students.

In addition to scholarships, the MBA Education Foundation provides financial support to personal finance training delivered in schools and communities by Mississippi bankers. Supported activities include programs sponsored by MBA, MYB and other organizations, including ‘A Banker in Every Classroom.’

JULY/AUGUST 2016

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Twenty-six Mississippi bankers graduate From Graduate School of Banking at LSU In June, 26 Mississippi bankers received diplomas from the Graduate School of Banking at Louisiana State University. Mississippi graduates include: • Brian Barnard, Trustmark National Bank, Magee • Jason Bounds, BankPlus, Picayune • Quentin Brewer, BancorpSouth, Oxford • Kristi Burge, Merchants & Marine Bank, Pascagoula • Andrew Christian, Trustmark National Bank, Brandon • Daniel Clark, Citizens Bank, Columbia • Paul Durff, Holmes County Bank & Trust Company, Lexington • Carey Edwards, BancorpSouth, Columbus • Jarrod Fraiser, First State Bank, Waynesboro • Eric Giles, First State Bank, Waynesboro • Jerry Jackson, Trustmark National Bank, Jackson • John Jones, Magnolia State Bank, Hattiesburg • Foster Kennedy, Trustmark National Bank, Jackson • William Kilduff, Community Bank, Ocean Springs • Clayton Legear, Merchants & Marine Bank, Pascagoula • Kyle McCoy, Citizens National Bank,

Southaven instruction, thirty hours of reviews, • Lauren Middleton, United Missis- planned evening study, and written final sippi Bank, Natchez examinations at the end of each session.

• Owen Munton, Hancock Bank, Through 2016, 1,703 Mississippi Hattiesburg bankers have graduated from the Gradu• Chris Odom, Great Southern Bank, ate School of Banking at LSU. Waynesboro • Diana Robison, The Peoples Bank, Biloxi • Michael Schloegel, Hancock Bank, Gulfport • Robert Shirley, Trustmark National Bank, Jackson • Greg Thames, Trustmark National Bank, Tupelo • David Vega, BancorpSouth, Columbus • Jeremy Wade, Magnolia State Bank, Laurel • Braxton Whitehead, Bank of Franklin, Meadville MBA chairman Frank Sibley and vice chairman Jerry Host joined Mississippi students for reception at LSU Union during the first week of the GSB session.

Sponsored by the Mississippi Bankers Association and 14 other state bankers associations, in cooperation with the Division of Continuing Education at LSU, the banking school requires attendance on campus for three years, with extensive bank study assignments between sessions. The faculty consists of bankers, business and professional leaders, and educators from across the country.

During their three years at the school, students receive 180 hours of classroom

The MBA joined other state associations in hosting GSB student reception.

2017 Session

will be held April 2-8, 2017 University of Mississippi Oxford, MS Applications will be available September 15, 2016 14

THE MISSISSIPPI BANKER

MS School of Banking THE MISSISSIPPI BANKER

Mississippi School of Banking concludes 47th session 69 graduates are honored after completing two-year program

Sixty-nine students graduated from the 47th annual session of the Mississippi School of Banking, conducted by the MBA on the University of Mississippi campus. A total of 116 students attended the school this year during the week of April 3-9.

During the two-year program, graduates completed over 80 hours of classroom instruction, including lectures and workshops on a wide array of banking subjects, and successfully completed a series of home study problems. Graduates also passed written examinations at the end of each session and participated in the ABA’s BankExec Financial Simulation during their second year.

The 2016 student body was comprised of 116 students from 45 different Mississippi banks and organizations. Dr. Ken Cyree, MBA/Frank R. Day Chair of Banking and Dean of Business at the University of Mississippi, serves as director of the school. MBA Senior Vice President, Amy Davis, is the MSB registrar.

MBA Chairman, George Marx of Hazlehurst, addressed graduation ceremonies and joined in presenting diplomas.

Other remarks were made by Cyree, MYB President Kent Mortimer; Senior

Class Treasurer Jon Paul Rhea; and MBA President Mac Deaver.

During the graduation ceremony, Katie Widdows, Hancock Bank, Gulfport, received the Donald L. Moak Achievement Award for achieving the highest academic honors in the 2016 class. This award is given by the MBA Education Foundation. Scott Barnes, PriorityOne Bank, Mendenhall, was awarded a firstyear scholarship to the Graduate School of Banking at LSU. Teams of graduating students were recognized for the top-performing “banks” in the BankExec Simulation competition.

The two winning teams were “A1 from Day 1” and “JLB Trust Bank.” Members of “A1 from Day 1” were Brandy Tominello, Guaranty Bank & Trust Company; Scott Barnes, PriorityOne Bank; Doug Weissinger, Fenimore, Kay, Harrison & Ford, LLP; Seth Miles, Community Bank, Ellisville; and Leigha McLendon, BankPlus. Members of “JLB Trust Bank” were John Payton Hood, Hancock Bank; Leslie Fortenberry, Metropolitan Bank; Lisa Morrow, BancorpSouth; Brad Grayson, Charter Bank; and Jenny Herrington, PriorityOne Bank.

The 48th session of the MSB will be conducted April 2-8, 2017, on the University of Mississippi campus. For more information, please contact Amy Davis at the MBA by telephone at (601) 948-6366 or by email at adavis@msbankers.com.

Natalie Camp, FNB Oxford Bank, was elected first year class treasurer and Jeff Overstreet, Citizens National Bank, was elected president.

“A1 from Day 1” Bank was a winner in the BankExec Simulation. The bank’s team was (L to R): Doug Weissinger, Seth Miles, Ken Cyree, Brandy Tominello, Leigha McLendon and Scott Barnes.

L to R: Dr. Ken Cyree, MBA/Frank R. Day Chair of Banking; Donald L. Moak Achievement Award Winner, Katie Widdows, Hancock Bank; Kent Mortimer, MYB President and Mac Deaver, MBA President.

L to R: MBA President Mac Deaver, MBA Chairman George Marx, Graduate School of Banking at LSU scholarship recipient Scott Barnes, PriorityOne Bank, and MSB Director Dr. Ken Cyree.

BankSim winner “JLB Trust Bank” was managed by (L to R): John Payton Hood, Brad Grayson, Jenny Herrington, Leslie Fortenberry and Lisa Morrow.

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MS School of Banking THE MISSISSIPPI BANKER

2016 Mississippi School of Banking Graduating Class Amory Federal Savings & Loan - Wesley Bost BancorpSouth - Lisa Morrow, Todd Vanderbrook Bank of Forest - Elicia Rushing Bank of Franklin - Michael Gates BankFirst Financial Services - Melanie Cox, Swayze McNiff, Marlene Wilson BankPlus - John Boatner, Sedric Brinson, Chris Craddock, Ashley Duke, Gina Hudson, Leigha McLendon Charter Bank - Brad Grayson Citizens Bank, Columbia - Amanda Matherne Cleveland State Bank - Bennett Crow Commercial Bank - Ryan Haarala Community Bancshares Inc. - John Paul Rhea Community Bank - Chris Ishee Community Bank, Coast - Matt Boney, Rhett Chancey, Jeff Keenum Community Bank, Ellisville - Seth Miles Community Bank, North Mississippi - Kevin Brown, Kevin McCartney, Andrew McDowell Fenimore, Kay, Harrison and Ford, LLP - Doug Weissinger First National Bank of Picayune - David Levy First National Bankers Bank - Grant Gordy First Security Bank - Cody Harrell 16

THE MISSISSIPPI BANKER

First State Bank, Holly Springs - Rachel Stone First State Bank, Waynesboro - Stacy Hutto, Jeanette Tolon FNB Oxford Bank - Pam Murphree, Bill Taylor Guaranty Bank & Trust Company - Diedre Barret, Mary Claire Glasco, Andy Nichols, Brandy Tominello Hancock Bank - John Payton Hood, Benji Richoux, Sam Sandoz, Nikki Skrmetti, Katie Widdows Mechanics Bank - Jeff Bynum, Shannon Davis, Lindsey Faust Merchants & Marine Bank - Leigh Rayburn, Monica Stork Metropolitan Bank - Leslie Fortenberry Pike National Bank - Angie Davis Planters Bank & Trust Company - Chase McPherson, Grant Phillips PriorityOne Bank - Scott Barnes, Jenny Herrington, Beverly Tadlock Regions Bank - Shane Fitzgerald, Andy Miller, Antwann Richardson Ross & Yerger - Travis Clayton Southern Bancorp - Rials McWilliams The Peoples Bank, Biloxi - Leah Anderson, Kevin Estrade Trustmark National Bank - Ralph Clark, Joey Kern, Ann McDonald, Jon-Michael Trimm, Dee Williams

MS School of Banking THE MISSISSIPPI BANKER

2016 Mississippi School of Banking First Year Class Bank of Anguilla - Kit McCoy, Mackenzie Parker Bank of Yazoo - Tina Ingram BankPlus - Dawn Casaus, Shinita Payton, Billy Sears Cadence Bank, N.A. - Samantha Cummins Citizens Bank & Trust Company - Trey Pritchard Citizens National Bank of Meridian - Jeff Overstreet Community Bancshares of Mississippi - Keith Kirby, Melanie Lien Community Bank - Drew Evans Community Bank, North Mississippi - Josh Newsom Community Bank, Coast - AJ Denny Community Bank, Ellisville - Stephen Garrett, Jessica Pigott Copiah Bank, N.A. - Carolina Smith Farmers & Merchants Bank - Brandi Maxwell, Kimble Wilbanks First American National Bank - Kaila Timbs First National Bankers Bank - Jackie Brown, Katie Brumley, Brittany Pepe

First State Bank, Waynesboro - Stephanie Howard FNB Oxford Bank - Natalie Camp Hancock Bank - Taylor Backstrom, John Freeman Mechanics Bank - Kena Dunn, Anna Langham, Kim Mathis, Tiffany Reed Peoples Bank, Medenhall - Jason Smith, Jim Todd Pike National Bank - Gail Etheridge Planters Bank & Trust Company - Andrew Whalen PriorityOne Bank - Natasha Braxton, Tim Coulter Regions Bank - Kristy Daniels Renasant Bank - Rose Guevara, Will Robbins Southern Bancorp - Heath Serio The Peoples Bank, Biloxi - YaYa Robison, Nick Rosetti, Aaron Shankland Trustmark National Bank - Mason Dixon, Tena Hall, Sunshine Lawrence

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MBA Calendar

THE MISSISSIPPI BANKER

Calendar of Events

AUGUST

8 9 10 10 11 15 16 17-18 18 22 19

SEPTEMBER 8-9 11-14 13 28-29

OCTOBER 5-6 31-Nov. 4

Consumer Construction Loans Commercial Construction Lending Agriculture Conference The Top 25 Security Mistakes that a Smart Institution NEVER Makes Corporate Account Takeover Improve Your Commercial Loan Write-Ups & Committee Presentations CECL: In the Weeds IRA School Closing Deposit Accounts: 10 Critical Issues Bank Call Reports for Beginners - 5 Part Webinar Communications Conference

Compliance Conference Washington Visit Call Report Seminar MYB Leadership Conference

Security Conference Banker in Every Classroom Week

Visit www.msbankers.com for a full list of Webinars & Conferences and to Register

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“A Banker in Every Classroom” October 31November 4, 2016 18

THE MISSISSIPPI BANKER

Make plans to participate in this year’s “A Banker in Every Classroom” Week and bring financial literacy to classrooms throughout Mississippi!

October 31 November 4, 2016!

For more information, please visit www.msbankers.com

‘X Marx the Spot’ for the 2016 MBA Convention Mississippi bankers travel to Sandestin for annual reunion

Over 640 Mississippi bankers, banking associates and their families attended the 2016 convention to honor outgoing MBA Chairman George Marx of Copiah Bank in Hazlehurst. The 2016 MBA Convention was held at the Sandestin Golf and Beach Resort in Destin, FL. The theme of this year’s convention, ‘X Marx the Spot’ was derived from Marx’s last name and his love of travel. The convention theme was displayed throughout the convention, with the lobby designed to appear as an airport terminal and the trade show featuring popular travel destinations decorations.

The convention featured a trade show comprised of 60 exhibitors, three general sessions, golf tournament, spouse program and daily social and recreational events.

General session speakers included Lieutenant Colonel Robert Darling; generational expert Meagan Johnson; political

guru Charlie Cook; and ABA Chairman Dan Blanton. Kym Garraway was the guest speaker at the spouse program. At the annual business session, Frank Sibley of Marks was elected MBA Chairman for 201617, and officers and directors were elected (see pages 29-30 for more information).

At the convention’s Annual Banquet, outgoing Chairman Marx was honored with presentations from his bank, Copiah Bank, and the MBA. Entertainment was provided by AzIzz Dance Band.

Major sponsors of this year’s convention were Trustmark National Bank, Federal Home Loan Bank of Dallas, FNBB Mississippi and FNBB Capital Markets, Stockett & Thomas and Crews & Associates. Chairman George Marx addresses the opening

Incoming MBA Chairman Frank Sibley (L) accepts the gavel from George Marx.

session of the 128th MBA Convention.

Spouse Committee members helped plan the spouse program and brunch honoring Diane Marx, wife of MBA Chairman George Marx. L to R: Leslie Miller, Toni Clements, Melissa Barnes, Diane Marx, Nan Randall and Beverly Collins.

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MBA Convention ‘X Marx the Spot’ THE MISSISSIPPI BANKER

General Session speakers draw large crowds During MBA Convention During this year’s MBA Convention, the general session speakers drew large crowds each day. On Thursday, May 12, Lieutenant Colonel Robert Darling spoke to convention participants regarding his experience inside the President’s bunker on 9/11. Following Colonel Darling was generational expert Meagan Johnson.

Johnson spoke to convention participants about how to understand and work with multiple generations. Also on Thursday, both Lieutenant Governor Tate Reeves and Secretary of State Delbert Hosemann addressed the general session.

The general session on Friday featured political guru Charlie Cook, editor and publisher of the Cook Political Report.

He expounded upon the current political landscape and what to expect in the upcoming presidential election.

On Saturday, May 14, ABA Chairman Dan Blanton provided an update on Washington and the progress made through the American Bankers Association and the MBA. Other Mississippi officials who participated in the 2016 MBA Convention included Attorney General Jim Hood, Chairman of House Banking Committee Hank Zuber, Chairman of Senate Banking & Finance Committee Rita Parks, and Department of Banking and Consumer Finance Commissioner Charlotte Corley.

Meagan Johnson engages bankers with techniques to effectively work with multiple generations.

Charlie Cook, political author, provides convention participants with a current political forecast.

ABA Chairman Dan Blanton gives a ‘Washington Update’ during Saturday’s Annual Business Meeting.

Secretary of State Delbert Hosemann speaks to bankers during Thursday’s general session.

Lieutenant Governor Tate Reeves also addresses bankers during Thursday’s general session.

Chairman of the House Banking & Finance Committee Hank Zuber makes comments during the Annual Business Session.

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THE MISSISSIPPI BANKER

Lieutenant Colonel Robert Darling provides a riveting account of his 9/11 experience in the President’s bunker.

MBA Convention ‘X Marx the Spot’

THE MISSISSIPPI BANKER

Trustmark bankers pose for a photo prior to the Trustmark National Bank Party. (L to R): Ben Aldridge, Harry Walker, Duane Dewey, Barry Planch, Jerry Host and Art Stevens.

Winners of the annual golf tournament were (L to R) Rodney Mortimer, Lance Davis, Craig Eversole and Pax Mogenson.

Rick Calhoun of Crews and Associates and his wife, Julie, visit with bankers during the Trade Show.

DBCF Commissioner Charlotte Corley and her husband, Aubrey, enjoy FNBB’s Friday evening party.

(L to R) Lieutenant Governor Tate Reeves, Diane Marx, MBA Chairman George Marx and Chairman of the Senate Banking & Finance Committee Rita Parks.

All of the ‘Grand Prize Winners’ pose together to display their big winnings.

(L to R) 2015-16 MBA Officers and Spouses: Jerry Host, Olivia Host, George Marx, Diane Marx, Frank Sibley and Kay Sibley.

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MBA Convention ‘X Marx the Spot’ THE MISSISSIPPI BANKER

During the Annual Banquet, MBA Chairman George Marx gave his closing remarks prior to introducing the new chairman.

MBA Chairman Marx took the stage with the Annual Banquet’s evening entertainment.

ANNUAL BANQUET

2016-17 MBA Chairman Frank Sibley presents George Marx with his plaque for being 2015 MBA Chairman.

(L to R): MYB Vice President Wes Rouse, Traci Rouse, Britanny Mortimer and MYB President Kent Mortimer enjoy the Annual Banquet.

The banquet’s entertainment provided by Az-Izz Dance Band was a big hit.

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THE MISSISSIPPI BANKER

Dick Cooley presented MBA Chairman George Marx with a gift from Copiah Bank.

Everyone danced the night away and thoroughly enjoyed the evening’s entertainment.

MBA Convention ‘X Marx the Spot’

THE MISSISSIPPI BANKER

Past Chairman First Row (L to R): Joel Clements, Freddie Bagley, George Marx, Odean Busby, Greg Taylor and Buddy Prestridge.

Second Row (L to R): Fred Miller, George Schloegel, Huey Townsend, Bill Sones, Larry Pratt and Bobby Martin.

2016-17 Board of Directors First Row (L to R): Freddie Bagley, Bobby Steinriede, George Marx, Mary Childs, Frank Sibley, Jerry Host, Frank West, Michael Dudley, Andy Anderson.

Second Row (L to R): Eddie Hammond, Mitch Waycaster, Moak Griffin, Hoppy Cole, Mac Deaver, Greg Cronin, Dan Rollins, Mark Tapp and Steve Gresham.

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2017 MBA ANNUAL CONVENTION Marx Family

May 17-21

Above: Chairman George Marx attends the annual banquet with his family. Front Row (L to R): Addison Marx, Meg Middleton, Taylor Marx, Jane Ramsey Middleton and Mary Clim Marx. Second Row (L to R): Denton Marx, Lori Marx, George Marx, Diane Marx, Whitney Middleton, Dr. Drew Middleton and Russ Middleton.

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MBA Convention ‘X Marx the Spot’ THE MISSISSIPPI BANKER

New ‘Silent Auction’ event at MBA annual convention Raises over $15,000 for MBA Education Foundation A new event was added to the agenda of the annual convention in May - a silent auction to benefit the MBA Education Foundation.

The silent auction took place on the evening of Thursday, May 12. The auction offered over 80 items up for bid and raised over $15,000 for the MBA Education Foundation.

This success of this inaugural event was due in large part to the generous donations given by numerous businesses and banks from across the state. A full list of those who made donations and contributed to the success of this event are listed on the opposite page.

Without the assistance from MBA member banks, many of these donations would not have happened. The MBA would like to extend our sincere gratitude to every person, bank and organization who gave to support the MBA Education. In addition, the silent auction would not have been a success without the generosity of the bankers and industry individuals who bid on the items at convention.

“We were overwhelmed by the tremendous response by bankers who participated in the Silent Auction. Through the continued support of MBA member banks and bankers the

foundation continues to be able to support financial literacy and education throughout Mississippi.

It is our hope that the Silent Auction will continue to be a successful fundraising event at future conventions,” commented MBA President Mac Deaver.

The MBA Education Foundation gives seven scholarships each year to bankers and college and high school students totaling $15,500. In addition, the foundation supports financial literacy efforts throughout the state. Through Convention participants peruse items up for bid at the Silent contributions and events like the Auction to benefit the Education Foundation. silent auction, the foundation is the Silent Auction and help contribute to able to continue to meet its goal of generating funding that will allow for the the growth of the MBA Education Foundaenhancement of existing programs and for the tion. For more information about the MBA Education Foundation, please contact MBA creation of new ones.

Plans are already underway for a Silent Education Foundation Secretary/Treasurer Auction at the 2017 Annual Convention. Mac Deaver at mdeaver@msbankers.com. For Member banks will be receiving materials more information regarding the Silent Aucat the first of the year with more informa- tion, please contact Rachel Chew at rchew@ tion about ways in which they can support msbankers.com.

(L to R): Kathryn Pittman, John Pittman, Kathie Thornhill and Bryan Thornhill participate in the Silent Auction.

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THE MISSISSIPPI BANKER

Paul Townsend puts his bid in for an item at the Silent Auction.

Thanks to the Mississippi banks and other companies and firms listed below for helping make our Silent Auction a huge success!

Banks BancorpSouth

Bank of Anguilla Bank of Commerce Bank of Kilmichael BNA Bank Charter Bank The Citizens Bank of Philadelphia Citizens Bank and Trust Co., Marks

Cleveland State Bank Community Bancshares, Inc. Concordia Bank & Trust Co. Copiah Bank The First, A National Banking Association Guaranty Bank & Trust Company Hancock Bank

Magnolia State Bank The Peoples Bank, Biloxi The Peoples Bank, Ripley Planters Bank & Trust Co. Regions Bank Renasant Bank Trustmark National Bank United Mississippi Bank

Other Companies & Firms 200 N Beach Restaurant

Half Shell, Flowood

Peter’s Pottery

Alabama Music Hall of Fame

Hilton Garden Inn, Flowood

Preserve Golf Club

Arden Land

Hilton Jackson

Purple Parrot

Ballet Mississippi

Hilton Sandestin Beach

Rebecca Cupples/Bekart Studio

Bay Life Gifts

Hilton (King Edward) Downtown

Robert Trent Jones Golf Course

Bay Town Inn

IP Casino & Thirty Two

Sandestin Golf & Beach Resort

Beau Rivage

Jackson Country Club

Shades

Blackledge Face Center

Janet Lushbaugh

Shapley’s

Blue Bayou Bar & Grill

Keg & Barrel

Silver Slipper Casino

Bravo! Italian Restaurant

Kinkaid’s

Spectrum Resorts

Buffalo Peak Outfitters

Lee Michaels Fine Jewelry

Summerhouse

Calico Mushroom

Longleaf Plantation

Table 100

Carter Jewelers

Lou’s Full Serve Restaurant

The Alluvian

Catherine Becker

Loews Madison Hotel

The Inn at Ole Miss

Dancing Rabbit Golf Course

Residence Inn

The People of Natchez

Dianne Norman

Maison Weiss

The Rogue

Donny Moore/Dynamo Studio

Marriott Shoals Hotel

Tico’s

Ely’s Restaurant

Marshall Ramsey

Tunica National Golf Course

Embassy Suites, Ridgeland

MS Sports Hall of Fame

University of Mississippi

Fairhope Inn

MS Symphony Orchestra

Van Atkins Jewelers

Fairview Inn

Mustard Seed

Walker’s

Farmer’s Table Cooking School

New Stage Theater

White House, Gulf Coast

Fleming’s

Parlor Market

Wyatt Waters

Grand Marriott, Point Clear

Pearl River Resort

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EVERY CUSTOMER IS A PIECE OF THE ‘SUCCESS’ PUZZLE Marks Banker Frank Sibley is MBA’s 128th Chairman

If you ask Frank Sibley why he became a banker, chances are he will say it’s because the bank offered him a job first. A humble man, Sibley does not quickly let on to the success he has had in his 46 years in the banking industry. However, when asked what was the key to his success, he is quick to say “always make the customer feel important.” Sibley learned early in his career that in business you have to be grounded in a strong customer service foundation to succeed. It is a philosophy he carried with him throughout his career and now carries into his role as the 128th chairman of the Mississippi Bankers Association.

THE FRANK SIBLEY FILE HOME: OXFORD BANK: CITIZENS BANK & TRUST COMPANY POSITION: PRESIDENT, CHIEF EXECUTIVE OFFICER LENGTH OF SERVICE: 46 YEARS FAMILY: WIFE, KAY; CHILDREN TAYLOR AND GINA

“People don’t care how much you know until they know how much you care.”

-Theodore Roosevelt Frank Sibley grew up in the Mississippi Delta town of Cleveland.

Always an active individual, he stayed busy playing baseball, running track, hunting and horseback riding. He continued his time in Cleveland by attending Delta State University where he earned a bachelors and master’s degree in business administration. It was during his time in college that he met his wife of 45 years, the former Kay Taylor of Clarksdale. As Frank tells it, he was in charge of planning a fraternity party and needed a date. So, he asked a friend to get him a date while he got everything ready for the party. Sure enough, Kay was the blind date and the two have been together ever since.

“You never truly know someone until you’ve walked a mile in their shoes.”

–American Adage, Source Unknown Upon graduation, Frank immediately interviewed for two jobs in Indianola. One was at an accounting firm and the other was at Peoples Bank. Both companies offered him a job, however, the bank was the first to call. Thirty minutes later the accounting firm called. Banking may have chosen Frank Sibley, but it was Sibley who chose to succeed in banking through his determined efforts, long-term vision and customer focus. He started at the Peoples Bank, Indianola, as Head of Operations.

Mentor Farmer Hamilton, president and owner of Peoples Bank, Indianola, stressed to Sibley early on the importance of making each ‘customer feel valued.’ Sibley carried this philosophy with him throughout 26

THE MISSISSIPPI BANKER

“You have to answer your phone, respond to a customer’s request, and treat everyone as you would the CEO of a company”

- Frank Sibley

his career. “You have to ensure each customer feels important because they are. You have to answer your phone, respond to a customer’s request, and treat everyone as you would the CEO of a company,” Sibley stated. He continued, “Your customers are the reason your business exists….treat them as important as they are, and you will succeed.” With this philosophy in place, Sibley continued his success in banking, and it wasn’t long before Sibley was promoted to the Loan Department as Senior Lending Officer. Sibley also took time to further his education through the Graduate School of Banking at LSU and the University of Oklahoma Commercial Lending School.

While at Peoples Bank, he also went on to form and serve as president of an Ag Credit Corporation for Peoples Bank.

He w a s i n the process of forming a leasing corporation when he decided to take a job a little northeast of Indianola in Marks.

Sibley left the Peoples Bank, Indianola, in March 1984, to join Citizens Bank & Trust Co. as President and CEO. When Sibley joined the bank, it was in the middle of the largest embezzlement scheme by an individual in Mississippi banking history. Sibley had a tall task in front of him, but his educational background, successful history with Peoples Bank, and determined focus on customer service gave him the tools he needed to completely rebuild the bank and its reputation. In his 32 years with Citizens Bank & Trust Co., the bank grew from a $24 million in assets to $140 million today. It is a bank that thrives on serving its community and customers, and as a result, will celebrate 100 years in 2017.

Without question, much of the bank’s growth and success is a

result of the customer-focused culture created by Sibley.

Even as hard as Sibley works, he still finds time to spend time with his family and friends, the most important customers of all. He and Kay have two children and two grandchildren.

Sibley’s son, Taylor, followed in his dad’s banking footsteps

“Family is not an important thing, it’s everything.”

- Michael J. Fox and is Chief Operations Officer and President-Marks for Citizens Bank & Trust Co. He has been with the bank for 22 years and he and his wife, Christy, live in Marks.

Frank’s daughter, Dr. Gina Russell, is an Audiologist at Magnolia Speech School. She and her husband, Kip, have two young sons, Trace and Preston, and they live in Madison.

Sibley loves spending time with his two grandsons. Many hours are spent with his grandchildren fishing on the pier behind his house and taking in Ole Miss sporting events. Sibley also is an avid golfer and spends Tuesdays on the Ole Miss golf course with a seniors group. In addition, after a 30-year break, Sibley has taken up tennis again. He also enjoys biking and boating. Outside of leisure activities, Sibley makes times to serve his neighborhood and community. He is President of the Wellsgate Owners Association, the largest neighborhood in Oxford with over 500 homes and lots. In addition, he serves on the North Delta Planning District Loan Committee. He and Kay are also dedicated members of Marks Presbyterian Church. He serves as an Elder of the church, while Kay is treasurer and a past Sunday school teacher.

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Sibley’s involvement in the MBA began when his good friend, Greg Taylor, was president of Mississippi Young Bankers. Through Taylor’s encouragement Sibley started attending MYB’s annual study conference and convention.

His involvement in the MBA continued to develop as he served on the MBA Legislative Committee, Executive Committee, and Insurance Committee, and as President of the MBA Education Foundation. In 2014, Sibley was elected MBA Treasurer, followed by Vice Chairman in 2015. At the annual convention in May, Frank Sibley was introduced as MBA’s 128th Chairman.

“The greatest leader is not necessarily the one who does the greatest things. He is the one that gets the people to do the greatest things.”

- Ronald Reagan As MBA Chairman, Sibley’s focus is on serving the association’s customers, Mississippi bankers. To accomplish this, he is working with the MBA staff this year to establish a long-term strategic plan to ensure the association continues to offer value-added services to its members in the most efficient and effective manner. Sibley looks forward to visiting banks throughout the coming year to get to know the MBA “customer” better. Sibley explained, “It’s important to visit banks of all sizes throughout the state to really understand the tools and resources they are seeking from the Mississippi Bankers Association and how the association can serve them better. The MBA is one of the best banking associations in the country, and we want to make the best better.”

Sibley also wants to get more bankers involved in the association. “There is a gap in time when young bankers move from Mississippi Young Bankers to the MBA leadership level,” he says. Sibley would like to work with the MBA staff to implement strategies to bridge this gap.

Sibley is openly excited to serve Mississippi bankers as the 128th MBA chairman.

Photo from Previous Page, (27), The Sibley Family Back Row (L to R): Christy Sibley, Taylor Sibley, Gina Russell and Kip Russell Front Row (L to R): Trace Russell, Kay Sibley, Frank Sibley and Preston Russell

Top Photo, Frank with Grandchildren Left to Right: Trace Russell, Kay Sibley, Frank Sibley and Preston Russell.

Bottom Photo, Frank and Kay Sibley 28

THE MISSISSIPPI BANKER

MBA Leadership

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MBA leadership elected for 2016-17 Host elected vice chairman; Childs chosen as treasurer Jerry Host, Vice Chairman

Mary Childs, Treasurer

Jerry Host, president and chief executive officer of Trustmark National Bank, Jackson, has been elected Vice Chairman of the Mississippi Bankers Association.

Host Host serves as president and chief executive officer Of Trustmark National Bank, Jackson. He has over 40 years of experience in the financial services industry, with 32 years served at Trustmark.

Host received his bachelor’s degree in economics from the University of South Alabama. He graduated from the National School of Financial & Funds Management at the University of Illinois, and the Graduate School of Financial & Funds Management at the University of Oklahoma. Host also is a graduate of the Graduate School of Banking at LSU, and the Center for Creative Leadership, in Greensboro, North Carolina.

He previously served as MBA Treasurer. He also served a three-year term on the MBA Board of Directors, including one year on the Executive Committee.

He currently is a member of the MBA Legislative Committee. Host also represented Mississippi as a member of the ABA’s Government Relations Council Administrative Committee.

Active in his community, Host serves on the executive committee for Governor Bryant’s Mississippi Works initiative. He is past chairman of the Board of Governors of the Mississippi Economic Council and currently serves on its executive committee. He serves as a director and member of the executive committee for the Greater Jackson Chamber Partnership Board. Host is actively involved in numerous nonprofit organizations throughout the community

Mary Childs, president and chief executive officer of The Peoples Bank, Ripley, has been elected Treasurer of the Mississippi Bankers Association.

Childs joined The Childs Peoples Bank, Ripley, in 1990 and now serves as its president and chief executive officer. She has 36 years of experience in the financial services industry, with 26 years served at The Peoples Bank. Childs received her bachelor’s degree in banking and finance from Mississippi State University.

Childs becomes the first woman to serve as an MBA officer. Her previous MBA involvement includes serving a three-year term on the MBA Board of Directors. She has also served on the MBA Legislative Committee and chaired the 2016 Women in Banking Conference.

Active in her community, Childs is currently serving on the MSU College of Business Executive Advisory Board, Create Foundation Board, Health Care Foundation of North MS Board, Boys & Girls Clubs of North MS Board, and Tippah County Historical Museum Board. She has also served on the MSU Foundation Board, as past chairman of the Board of Trustees for Blue Mountain College, as Treasurer of the Tippah County MSU Alumni Association and as a Tippah County 4-H volunteer.

SAVE THE DATE! 2016 MBA Events: SEPTEMBER 8-9 COMPLIANCE CONFERENCE, JACKSON SEPTEMBER 11-14 WASHINGTON VISIT, WASHINGTON D.C. SEPTEMBER 13 CALL REPORT SEMINAR, RIDGELAND SEPTEMBER 28-29 MYB 2016 LEADERSHIP CONFERENCE JACKSON OCTOBER 5-6 SECURITY CONFERENCE, JACKSON NOVEMBER 3-4 TRUST CONFERENCE, JACKSON JULY/AUGUST 2016

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MBA Leadership

THE MISSISSIPPI BANKER

Five bank executives join MBA Board of Directors Mark Tapp, Group 1 Mark Tapp of Booneville has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors, representing Group 1.

Tapp serves as execTapp utive vice president of Farmers and Merchants Bank, Baldwyn.

He has 32 years of banking experience with the last 24 years at Farmers and Merchants Bank. Tapp is a graduate of the Mississippi School of Banking, Tennessee Commercial Lending School, Graduate School of Banking at LSU and the Executive Banking Institute in Austin, Texas.

Prior to his election to the Board of Directors, Tapp served on the MBA’s Nominating Committee.

Active in his community, Tapp is vice president and incoming president of the Prentiss County Development Association. He is past president and current member of the Booneville Rotary Club and on the advisory committee for the Yocona Area Council of the Boy Scouts of America.

Steve Gresham, Group 2 Steve Gresham of Holly Springs has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors, representing Group 2.

Gresham Gresham serves as president and chief executive officer of the Bank of Holly Springs. He has 33 years of banking experience, all with the Bank of Holly Springs. Gresham received a bachelor’s degree in business administration from the University of Mississippi. He is also a 30

graduate of the Graduate School of Banking at LSU. Active in his community, Gresham is past treasurer of the Holly Springs Rotary Club, past treasurer of Holly Springs Main Street Chamber, and past president of the Marshall County Forestry Association.

He serves as an elder at the Holly Springs First Presbyterian Church.

Eddie Hammond, Group 4 Eddie Hammond of Winona has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors, representing Group 4.

Hammond Hammond serves as president of the Bank of Winona. He has 29 years of banking experience with the last 24 years at the Bank of Winona. Hammond received a bachelor’s degree in accounting from Mississippi State University. He is also a graduate of the Graduate School of Banking at LSU. Hammond previously served on the MBA’s Legislative Committee. Active in his community, Hammond is a past president of the Winona Rotary Club and an active member of First Baptist Church.

Andy Anderson, Group 6 Andy Anderson of Anguilla has been elected to a 2-year term on the Mississippi Bankers Association Board of Directors, representing Group 6.

Anderson Anderson serves as President, Chief Executive officer, Chief Financial officer and

THE MISSISSIPPI BANKER

Director of Bank of Anguilla. He has over 30 years of banking experience, all with the Bank of Anguilla. Anderson received his Bachelor’s and Masters of Business Administration degrees from the University of Mississippi. He is also a graduate of the Graduate School of Banking at LSU. Anderson previously served as chairman and member of MBA’s Legislative Committee. Additionally, he is a past chairman and member of the MBA’s Compliance/Audit Committee. Active in his community, Anderson is on the board of Rolling Fork Visitor Center and Museum, the Sharkey-Issaquena School Board, and a past president and current member of the local Rotary Club.

Dan Rollins, At Large Dan Rollins of Tupelo has been elected to serve a 3-year term in an at-large position on the Mississippi Bankers Association Board of Directors.

Rollins ser ves as Rollins chairman of the board and chief executive officer of BancorpSouth, Inc. Rollins has over 30 years of experience in the financial industry.

Rollins received a bachelor of business administration in finance from the University of Texas at Austin. He is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University in Dallas. He also graduated from the National Commercial Lending School at the University of Oklahoma.

Active in his community, Rollins serves on the board of directors of North Mississippi Health Services and the board of the Mississippi Economic Council. He is the co-chair of the Hope and a Future Capital Campaign for the Salvation Army in Tupelo.

MBA Officers and Board of Directors 2016-17 CHAIRMAN

VICE CHAIRMAN

Frank Sibley Citizens Bank and Trust Co. Marks Preceding Chairman

George Marx Copiah Bank Hazlehurst

Jerry Host Trustmark National Bank Jackson

Retiring Chairman

At Large

Dan Rollins BancorpSouth Tupelo

Freddie Bagley Community Bancshares of MS Brandon

Group 1

Group 2

Mark Tapp Farmers & Merchants Bank Booneville

Michael Dudley The Commercial Bank DeKalb

At Large

Group 1

Dennis Ammann Peoples Bank Mendenhall

Arthur DuCote Regions Bank Jackson

Mitch Waycaster Renasant Bank Tupelo

Group 4

Frank West First Security Bank Batesville

Group 6

Group 4

Group 4

Bobby Steinriede Moak Griffin Guaranty Bank & Trust BankFirst Financial Services Hollandale Columbus

Group 7

Andy Anderson Bank of Anguilla Anguilla

Mary Childs The Peoples Bank Ripley

At Large

Group 3

Steve Gresham Bank of Holly Springs Holly Springs

Group 5

TREASURER

James Wicker

Pike National Bank

McComb

Eddie Hammond Bank of Winona Winona

Group 8

Group 8

Hoppy Cole The First Hattiesburg

Greg Cronin Charter Bank Biloxi

MBA Staff

Mac Deaver President

Amy Davis Sr. Vice President Operations

Gordon Fellows Sr. Vice President Govt. Relations

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Gail Sykes Business Manager

Sherell Taylor Manager of Ins. Services

Rachel Chew Manager of Communications

JULY/AUGUST 2016

31

Bankers join MBA’s 40-, 50- and 60-Year Clubs A number of Mississippi bankers were recognized at the MBA Convention for their long service to the Mississippi banking industry. Banks are encouraged to submit photos of their 40-, 50-, and 60- Year Club recipients by September 12 for publication in the September/October issue of this magazine.

60-Year Club

Ray Robinson (center) receives his 60-Year Club certificate presented by his sons, Keith (left) and Marcus (right), who serve as senior officers in Mississippi banks.

50-Year Club

Former MBA Chairman Larry Pratt joined the association’s 50-Year Club, recognizing his half century in banking.

32

THE MISSISSIPPI BANKER

Former MBA Chairman George Schloegel (second from left) receives his 60-Year Club certificate. On hand for the presentation were his son Michael Schloegel (right), grandson Jack Schloegel, and wife Peggy.

40-Year Club

Bankers recognized for 40 years in Mississippi banking were (L to R): Huey Townsend, Freddie Bagley, Lee Fedric, Henry Williamson, Cathy Robertson, Mary Jenkinson, Tommy Tomlinson and Dick Sanders.

2016 Sixty-Year Club Members Raymond “Ray” Robinson, OmniBank George Schloegel, Hancock Bank

2016 Fifty-Year Club Members Katie M. Lee, Trustmark National Bank Bonita Martin, Regions Bank Virginia Moore, Bank of Wiggins Caroline Pettie, Regions Bank Larry J. Pratt, First Security Bank Gloria D. Thompson, Trustmark National Bank

2016 Forty-Year Club Members Ruthie Autry, Renasant Bank Freddie Bagley, Community Banchshares, Inc. Donna Blackwell, BancorpSouth William Hugh Bolton, Trustmark National Bank Beth Branning, The Citizens Bank of Philadelphia Freddie J. Britt, Planters Bank & Trust Company Rose Mary Brown, BancorpSouth Jan Carnathan, Renasant Bank Shirley Marie Casanova, Trustmark National Bank Vicki Compton, BancorpSouth Bertha Cummings, State Bank & Trust Company Carl E. “Gene” Delcomyn, BankPlus Jeanie Dubuisson, BankPlus Joyce G. Eaker, BNA Bank Lee Fedric, Citizens Bank, Columbia Linder Gene Fleming, Trustmark National Bank Kathy Franks, Renasant Bank Shelley Frierson, Hancock Bank Willie Gordon, BancorpSouth Sandra Gruich, Hancock Bank Ehel Hart, State Bank & Trust Company Nancy Hatcher, First Security Bank Sherwin Hayes, Bank of Holly Springs Cheryl Holmes, Regions Bank Mary Jenkinson, Citizens Bank, Columbia Thelma A. Johnson, Trustmark National Bank Anne Ketchum, Bank of Yazoo Donna Klish, BancorpSouth Ann Knight, Regions Bank Sam Lane, First Commercial Bank Alisa Leggett, Citizens Bank, Columbia Jany Logan, Planters Bank & Trust Company Kaye Martin, Bank of Anguilla Linda McClure, Bank of Holly Springs Priscilla McGee, BancorpSouth Inita G. McMullan, Trustmark National Bank Teresa Mitchell, Renasant Bank Thomas Owen Mize, Renasant Bank Debbie Peel, BancorpSouth John Pittman, BancorpSouth

Deborah Pittman, Cadence Bank, N.A. Debbie Poppelreiter, Renasant Bank Bonita Porter, Bank of Holly Springs Mary Ann Pucheu, Hancock Bank Brenda Richardson, Trustmark National Bank Cathy Robertson, BancorpSouth Linda Robertson, Regions Bank Peggy Rose, Cadence Bank, N.A. Dick Sanders, Bank of Holly Springs Grace Elaine Sigafoose, Trustmark National Bank Carolyn Smith, Bank of Anguilla Lexine Smith, Bank of Holly Springs Patsy Smith, The Citizens Bank of Philadelphia Rebecca Spence, Regions Bank Martha Thompson, FNB Oxford Bank Pamelia Tisdale, Cadence Bank, N.A. Tommy Tomlinson, Renasant Bank Huey Townsend, Guaranty Bank & Trust Co. Sherry Tyson, Trustmark National Bank Leslie W. Usher, Great Southern Bank Windie Warren, State Bank & Trust Company Henry M. Williamson, Citizens Bank, Columbia Judith C. Williamson, Trustmark National Bank Cindy Wilson, BancorpSouth Jo Wylie, Guaranty Bank & Trust Company

Cissy Smith & Kaye Black receiving their 40-year certificates at Bank of Anguilla

JULY/AUGUST 2016

33

Bankers on the Move

THE MISSISSIPPI BANKER

Great Southern Bank

BNA Bank Kevin Kessinger has joined BNA Bank as Vice President, Business Development. He is a graduate of the University of Mississippi. Kessinger has 22 years of experience in real estate, Kessinger commercial and residential construction, sales and marketing.

Community Bank, Ellisville J. Matthew Mayo has been promoted to Executive Vice President and Chief Credit Officer. He earned a bachelor of science degree in banking from the University of South Mayo Alabama. Mayo also received his master’s in business administration from Samford University. He is a graduate of the Graduate School of Banking at LSU. Mayo has over 15 years of banking experience.

The First, A National Banking Association Krystal Phillips has been named the Branch Manager of the 40th Avenue bank in Hattiesburg. She attended Coastal Carolina Community College and has Phillips more than 11 years of bank management and retail development experience.

34

Michael Crowe II, has joined Great Southern Bank as Loan Officer. He earned a bachelor of business administration with a managerial finance degree at the University of Mississippi.

Cathy Kennedy has been promoted to Vice President and Manager of the Clarke County offices. She is a graduate of the Mississippi School of Banking.

Kennedy has 38 years of banking experience.

Crowe

Kennedy

Les Rickles has been promotes to Assistant Vice President and Network Administrator.

He earned a Microsoft certified professional degree and is a graduate of the BAI Graduate Rickles School of Operations and Payments at the Owen Graduate School of Management. Rickles has been with Great Southern Bank for 17 years.

Angie Sowers has been promoted to Vice President and Compliance Officer. She earned her ICBA certification for Certified Community Bank Compliance Officer. Sowers has 34 years of experience in the financial industry.

THE MISSISSIPPI BANKER

Sowers

Great Southern Bank Neldia White has been promoted to Vice President and Operations Officer. She attended Meridian Community College and is a graduate of the Mississippi School of Bank- White ing. White has over 47 years of banking experience.

Cindy Wilson has been promoted to Assistant Vice President and Accounting Officer.

She earned a bachelor of science degree in accounting at Mississippi State University in Me- Wilson ridian. Wilson has 32 years of financial experience.

Guaranty Bank & Trust Co. Joseph “Brad” Branscome has joined Guaranty Bank & Trust Company as Community President. He earned a bachelor’s degree in business administration in banking and Branscome finance from Mississippi State University. Branscome is also a graduate of the Mississippi School of Banking.

Andy Nichols has joined Guaranty Bank & Trust Company as Vice President and Relationship Manager at the new Southaven branch. He earned his bachelor of business Nichols administration degree from Delta State University. Nichols is a graduate of the Mississippi School of Banking.

Bankers on the Move

THE MISSISSIPPI BANKER

Guaranty Bank & Trust Co. Hudson W. “Chuck” Williams has joined Guaranty Bank & Trust Company as Senior Vice President, Special Projects. He is a graduate of Delta State University, where Williams he earned a bachelor of business administration in finance and marketing. Williams served seven years in the Mississippi National Guard. He has 45 years of banking experience.

Merchants & Marine Bank Elise Bourgeois has been promoted to Executive Vice President/ Chief Financial Officer and Cashier.

Bourgeois

Stephanie Broussard has been promoted to Vice President, Compliance Manager.

Magnolia State Bank JJ Thoms has joined Magnolia State Bank as the Petal President. He attended both Jones County Junior College and The University of Southern Mississippi.

Thoms graduated from Thoms William Carey University with a bachelor of science degree in marketing and management. He has over 13 years of banking experience.

Broussard

Amanda Brown as been promoted to Assistant Vice President, Community Banker.

She holds an associate’s degree in business administration from Mississippi Gulf Coast Brown Community College.

Brown has over 30 years of banking experience.

Renasant Bank Jason Beasley has been promoted to Senior Vice President/Corporate Relationship Officer. He graduated from Mississippi State University with a bachelor’s of business administration degree in banking and finance. Beasley also attended the Southeastern School of Consumer Lending, Southeastern School of Commercial Lending and the Mid South School of Banking. He has 23 years of banking experience.

Justin Griffin has been promoted to Vice President Loan Review Officer. He earned a bachelor’s degree in business administration from Mississippi State University. Griffin also is a graduate from the Paul W. Barret, Jr. Graduate School of Banking. He has been with Renasant Bank for six years.

Paul Koury has been promoted to Vice President Consumer Relationship Manager. He attended Mississippi State University, graduating with a degree in banking and finance. Koury is also a graduate of the Mississippi School of Banking. Prior to joining Renasant, he had seventeen years of experience in lending.

Merchants & Marine Bank Bradley Bell has joined Merchants & Marine Bank as Vice President, Business Banker. He earned a bachelor of science degree from Auburn University and is a graduate Bell of the Alabama Banking School at the University of South Alabama. Bell has over 10 years of banking experience.

Kristi Burge has been promoted to Senior Vice President/ Senior Administrative Officer.

Purchase your 2016 Mississippi Bank Directory!

Burge

Contact Brooke McCoy, bmccoy@msbankers. com.

New Hires, Promotions?

Send your submissions to rchew@msbankers.com JULY/AUGUST 2016

35

Bankers on the Move

THE MISSISSIPPI BANKER

Renasant Bank Tonya Leach has been promoted to Commercial Relationship Officer.

She attended Mississippi College, graduating with a bachelor’s degree in business administration.

Leach also is a graduate Leach of the Mississippi School of Banking. She has 22 years of banking experience Louis Marascalco has been promoted to Senior Vice President/ Director of Business Development. He attended the University of Mississippi, graduating with a bachelor’s degree in finance. Marascalco has been with Renasant Bank since 2011.

Harris Rhea has been promoted to Vice President/Appraisal Specialist.

He attended the University of Mississippi, graduating with a bachelor’s of business administration degree in real estate Rhea and banking and finance.

Rhea has been with Renasant Bank since 2010.

Cathy Riley has been promoted to Officer/Compliance Administrative Support. She attended Itawamba Community College and is a graduate of the Mississippi School of Banking. Riley has been with Renasant Bank since 1984.

Jim Rose has been promoted to Vice President/Financial Advisor. He attended Mississippi State University, graduating with a marketing/PGA golf management degree. Rose has been with Renasant Bank since 2013.

36

Renasant Bank Cinda Sexton has been promoted to Vice President/Treasury Management Specialist & Retail Coordinator. She has been with Renasant Bank since 2010.

Austin Adams has been promoted to Vice President. He attended Mississippi State University, where he studied business. Adams has 11 years of combined banking and property management experience.

Sexton

Jack Stuart has been promoted to Vice President Commercial Relationship Officer. He has 13 years of experience in the banking industry.

Melanie Taylor has been promoted to Senior Vice President/Training Director. She has taught seminars for the Mississippi Bankers Association and Alabama Bankers AsTaylor sociation.

State Bank & Trust Company Donald H. Williams has joined State Bank & Trust Company as Senior Vice President of Commercial Lending. He obtained his bachelor of business administration degree from Mississippi Williams State University and is a graduate of the Mississippi School of Banking as well as the Southeastern School of Commercial Lending.

THE MISSISSIPPI BANKER

Trustmark National Bank

Cindy Barron has been promoted to First Vice President and Trust Officer. She has over 30 years of combined banking and retirement planning experience.

Ralph V. Clark has been promoted to Assistant Vice President. He earned a master of business administration with a concentration in finance from Mississippi College and a bachelor of busi- Clark ness administration with a concentration in finance from Jackson State University. Clark is also a graduate of Mississippi School of Banking.

Carla S. Dean has been promoted to Vice President. She has over 31 years of banking experience, specializing in mortgage lending.

Dean

Wendy Hankins has been promoted to Audit Officer. She earned a bachelor of science in computer science with a minor in business from Mississippi College. Hankins has 28 years of bank- Hankins ing experience.

Trustmark National Bank John Hines has been promoted to First Vice President. He earned a bachelor of science in political science from Mississippi College. Hines has 11 years of combined banking and compliance Hines experience.

Brandon S. Hubbard has been promoted to Community Market President in Magee. He earned a bachelor of business administration with an emphasis in banking and finance from the Hubbard University of Mississippi.

Hubbard is a graduate of both the Mississippi School of Banking and the Graduate School of Banking at LSU. He brings 10 years of commercial lending experience to his new role.

Marcus Johnson has been promoted to Human Resources Officer. Johnson earned a master of public health degree from Jackson State University and a bachelor of arts in English from Tougaloo. Johnson Johnson has four years of banking experience.

David W. Jones has been promoted to Senior Vice President. He earned a bachelor of professional accountancy from Mississippi State University and is a Certified Information Systems Auditor. Jones Jones has 34 years of banking experience.

Trustmark National Bank

Trustmark National Bank

W. Mark Lewis has been promoted to Regional President - Central Mississippi/Community.

He earned a bachelor of business administration from the University of Mississippi. Lewis is a Lewis graduate of the National Commercial Lending School at the University of Oklahoma and the Graduate School of Banking at LSU. He has 30 years of banking experience.

Deonte Oscar has been promoted to Commercial Banking Officer at Trustmark’s Dogwood branch. He earned a master of business administration form Belhaven Univer- Oscar sity and a bachelor of business administration from Millsaps College. Oscar has eight years of banking experience.

LeKeita Moore has been promoted to Credit Analysis Officer. She earned a master of business administration in accounting and a bachelor of science in business administration in accounting from Mississippi College. Moore has over two years of banking experience.

Aaron Oberschmidt has been promoted to Senior Vice President at Trustmark’s Columbus main office. He earned a master of business administration and a bachelor of science in business Oberschmidt administration form The University of Southern Mississippi.

Oberschmidt is also a graduate of the Mississippi School of Banking. He has 12 years of banking experience.

Mary Kathryn Rainey has been named Audit Officer. She earned a master of public accountancy and a bachelor of accountancy from Mississippi State University. Rainey has seven years of combined Rainey banking and accounting experience.

Regina Richardson has been promoted to Senior Vice President.

She earned a bachelor of science in business administration in accounting from Mississippi College.

Richardson has over 30 Richardson years of mortgage experience.

Are you following MBA on Social Media?

Mississippi Bankers Association

@msbankers

JULY/AUGUST 2016

37

American Bankers Association THE MISSISSIPPI BANKER

The Best Defense is a Good Offense

By Rob Nichols, American Bankers Association President and CEO

Since taking the helm of ABA on January 1, my priority has been meeting with and listening to bankers and state association executives about what’s needed to help banks succeed. I’ve logged Nichols tens of thousands of miles in service to that goal and by late June had visited with nearly 3,500 industry leaders at various state conventions and meetings.

The feedback I have received has been invaluable, and it has driven ABA activities in recent months. For example, you have told me in no uncertain terms that the industry needs to take our advocacy game to a new level to counter an increasingly organized, antagonistic and aggressive anti-bank lobby.

I would have thought that the stridency with which the public policy sector treats our industry would have lessened by now, six years after Dodd-Frank and eight years post-crisis. But in fact it has increased.

This is a problem. Bank-bashing — including that which comes from within the industry — damages the entire industry’s image and feeds those who would prefer that banks be managed by Washington.

That is why ABA is pushing back — hard — in defense of banks. Among other

things, we launched a targeted pro-bank image campaign aimed at Washington opinion elites. We are advertising on the radio and at Washington Nationals baseball games — which a disproportionate number of members of Congress, Hill staff, regulators, agency staff and reporters attend — as well as on social media pushing positive messages about the important role banks play in their communities. You can see some of that messaging at aba. com/AmericasBanks.

We also are going all-in on our Power Up initiative, which is aimed at getting more bankers engaged in politics — from building lawmaker relationships to donating funds for races — in order to increase our success in Washington. I am grateful for the state associations’ leadership in promoting this cause. More bankers are telling us that they either know their member of Congress or are willing to get to know them. They are contributing more to BankPac and their state PACs. And they are giving to the Fund for Economic Growth. (Incidentally, if you are one who has done all three, please know that staff at ABA affectionately refer to you as a “power player.” If you haven’t but want to learn more, visit aba.com/PowerUp.) And we are aggressively challenging cases of regulatory overreach, such as the National Credit Union Administration’s egregious member business lending rule

approved earlier this year, which we believe contradicts the law, and the CFPB’s proposed rule on arbitration, which would dramatically limit the use of arbitration agreements even though data show they serve consumers better than class action lawsuits.

The feedback I’ve received in my first six months on the job also makes clear that we must be proactive in addressing broad trends that are reshaping banking.

That is why two staff task forces at ABA have been studying the challenges and opportunities posed by the fintech revolution and massive demographic shifts. The groups will be recommending new ways ABA can serve the industry, with a sharp focus on how we can help community banks. More on that to come, but in the meantime rest assured that contrary to many headlines, millennials are not disenchanted with banks, and that opportunities for partnering with nonbank fintech companies abound.

These are just a few ways ABA, working closely with state bankers associations, is striving to build a more secure and competitive future for your bank. These efforts are built on banker feedback, and I hope you’ll keep that coming. © 2016 American Bankers Association.

All rights reserved. Reprinted with permission.

2016 MYB Leadership Conference

think BIG September 28-29, 2016 40

THE MISSISSIPPI BANKER

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