The Mississippi Banker Summer 2019 by The Mississippi Banker Magazine

Banker THE MISSISSIPPI

GREG MCKEE 131st CHAIRMAN Mississippi Bankers Association

SUMMER 2019 VOLUME 104 â&#x20AC;¢ NUMBER 3

THE MISSISSIPPI

FOUNDED 1889

The official publication of the Mississippi Bankers Association Amanda Manning Markow • Editor Volume 104 • Number 3 • Summer 2019

OFFICERS

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Chairman Greg McKee, Philadelphia Vice Chairman Andy Anderson, Anguilla Treasurer Hoppy Cole, Hattiesburg President & CEO McKinley W. Deaver, Jackson

BOARD OF DIRECTORS Terms Expiring 2020 Shannon Aker, Brookhaven Shane Clayton, Pontotoc Alan Hargett, Indianola Gee Gee Patridge, Ridgeland Danny Whalen, Cleveland Terms Expiring 2021 Robbie Barnes, Magee Allen Breland, Forest Mike Ellard, Natchez John Hairston, Gulfport Jeff McCoy, Meridian Chuck Nicholson, Brandon Terms Expiring 2022 Kevin Chapman, Tupelo David Hemeter, Picayune Henry Logue, Raymond Jay Tindall, Senatobia

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Ex-Officio Members Greg McKee, Chairman, Philadelphia Andy Anderson, Vice Chairman, Anguilla Hoppy Cole, Treasurer, Hattiesburg Mary Childs, Retiring Chairman, Ripley Jerry Host, Preceding Chairman, Jackson Marc Petro, Ridgeland Brad Jones, Meadville Mike Webb, Tupelo

The Bank of Holly Springs celebrates 150 Years........................8-9 State's oldest bank marks milestone

Greg McKee, 2019-2020 MBA Chair..................................10-12

Philadelphia banker leads association

2019 MBA Convention .......................................................16-18 Annual meeting celebrates "Legacy of Leadership"

Mississippi School of Banking..............................................22-24 49 Mississippi bankers graduate 50th annual session

Graduate School of Banking at LSU.......................................... 25

22 Mississippi bankers complete Graduate School of Banking at LSU

Cover: Greg McKee at The Citizens Bank, Philadelphia. Photo by Candace McKay

Departments From the President...............................................................................................................2 Around the State.............................................................................................................. 3-6 MBA Conferences & Seminars...........................................................................................20

STAFF President & CEO.................. McKinley W. Deaver Senior V. P., Operations.........................Amy Davis Senior V. P., Gov. Relations........... Gordon Fellows Programs Manager............................Lori Richardson Marketing Manager........................ Brooke McCoy Manager of Insurance Services..........Sherell Taylor Accounting Manager.......................Vicky Franklin Communications Manager..........Amanda Markow

Webinars............................................................................................................................31 Bankers on the Move.................................................................................................... 28-33 ABA and ICBA columns.............................................................................................. 26-27 MBA Job Bank...................................................................................................................34 The Mississippi Banker (ISSN 0026-6159) is published quarterly 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. POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037.

cspire.com/voip YOUNG BANKERS SECTION President.......................... Marc Petro, Ridgeland Vice President................ Zach Luke, Greenwood Treasurer..................Rebecca Barrentine, Copiah ©2019 C Spire. All rights reserved.

Features

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 SUMMER 2019

From the President

Around the State

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Where did all the years go?

Merchants & Marine Bank names Legear president and CEO

Visit to Neshoba County Fair conjures up fond memories By Mac Deaver, MBA President & Recently, I visited the Neshoba County Fair for the second time in my life. I was there on July 31 for the final day of political speeches, a happening I have heard about all Deaver my life, but, for some reason, never witnessed until this year. I must say the experience didn’t disappoint. I shared a wonderful day with thousands of Mississippians who were there to enjoy the hospitality and excitement (and endure the heat) together. The only other time I ever visited “Mississippi’s Giant House Party” was 39 years earlier. That was on August 3, 1980, when Ronald Reagan came to Neshoba just two weeks after winning the Republican nomination for President. He delivered a speech at the fairgrounds horse track in front of a crowd estimated as large as 20,000 to 30,000. I was fortunate to secure a spot standing in the front row for Reagan’s historic speech. My son Will, who was just two years old, was there, too; he spent much of the day being held by his mother or me. A special day was made more memorable when, following his speech, the future President (along with Nancy) came down from the stage (a flatbed trailer) to shake hands with

CEO

hundreds of us. (See photo below.) This year, Gordon Fellows and I drove up for the final day of the fair. We enjoyed being with folks from all over the state, including many state legislators and other public officials, association colleagues, bankers, and other long-time fairgoers. I spent most of the day either under a shade tree or under one of the giant fans in the Founders Square pavilion. (When we took a break for lunch, I even found an air conditioned spot in one of the cabins.) The hospitality was amazing! As I experienced the excitement at “ground zero” for Mississippi politics, I wondered why I had never been there before. The Neshoba County Fair and the Mississippi Bankers Association were both founded in 1889. In reflecting upon this interesting fact, I note that both the fair and our association owe their enduring success to loyal participation and support that spans generations. And, while both organizations remain steeped in longstanding traditions, they also have adapted to modern advances. (You can read all about their histories at neshobacountyfair.org and msbankers.com.) When I first attended the fair back in 1980, I was just 25 years old and six months from finishing law school at Ole Miss. Today, I am closing in on 65 and six months away from retirement. Where did all those years go? I joined a law firm in Jackson in 1981, and, in the fall of 1984, the firm and I were retained to represent the MBA at the State CapiAugust 3, 1980: My son Will and I meet Ronald Reagan at tol. Things went well the Neshoba County Fair.

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and, in 1986, I joined the association staff full-time. This coming December, I will complete almost 34 years working for the MBA, the last 27 as executive director/president. I have been blessed to be a member of the Mississippi banking family for the better part of four decades. As I “round third and head for home” this year, I have realized (over and over) that I am working for the last time on many projects and activities that mean a lot to me. I have found myself making frequent visits to “Memory Lane,” like my recent day-trip to Neshoba County. As I am continuously amazed that “so much has changed” — I am also heartened to know that many good things have not changed. When I joined the MBA, there were 153 banks and savings institutions operating in Mississippi. Today, there are only 73. At the same time, the banking landscape has undergone major changes, from new and increased regulations to advances in technology to growing competition and more. Through it all, banking remains a “people” business, where a bank’s success is still tied to its community. (Kind of like the Neshoba County Fair.) For over a year, we have been working on a plan to turn the staff leadership over to Gordon Fellows on January 1, 2020. MBA Chairman Greg McKee has made achieving a smooth and successful transition a priority for this year, and I join Greg, Gordon and the rest of the leadership and staff in working to make this happen. Another of Greg’s priorities this year is to personally visit as many Mississippi banks as he can. I commend Greg for making this his goal, and I hope to be with him (and Gordon) for as many of these visits as possible. I look forward to seeing many of you then!

Royce Cumbest, Chairman of the Board of Directors of Merchants & Marine Bank, Pascagoula, recently announced the promotion of Clayton Legear to President and Legear Chief Executive Officer. Legear, who has served as M&M Bank’s President since last June, succeeds Cumbest as the Bank’s Chief Executive. Cumbest, a well renowned business and community leader, will continue to serve as the Bank’s Chairman of the Board and will remain an active part of the M&M Bank’s executive leadership team. Cumbest remarked, “It is my distinct pleasure to announce the promotion of Clayton Legear to President and Chief Executive Officer. Clayton is a proven, experienced leader and has worked tirelessly to build a promising future for M&M Bank. His active involvement in many civic and non-profit organizations is evidence of his strong commitment to the people and communities along the Gulf Coast. I know the loyalty and support graciously afforded to me will continue for Clayton as he commits his visionary leadership to take M&M Bank to greater accomplishments and the

next level of success.” Legear will be supported in leading M&M Bank by a seasoned executive leadership team, including Elise Bourgeois, EVP / Chief Financial Officer; Cumbest Jimmy Conyers, EVP / Alabama Market President; Mack Rushing EVP / Chief Lending Officer; Kristi Burge, EVP / Chief Retail Banking Officer, and Jeff Trammell, SVP / Chief Risk Officer. Legear has been a part of the M&M Bank team for 8 years and has served in several senior leadership roles with increasing responsibility along the way. Prior to joining the bank, Legear served as a Financial Institution Examiner for the Federal Deposit Insurance Corporation (FDIC). A native of Webb, Alabama, Legear is a graduate of Troy University where he earned Magna Cum Laude honors. He is an alumnus of the Graduate School of Banking at LSU, Leadership Jackson County, and Leadership Mississippi. Legear is actively involved in numerous civic, charitable and professional organizations throughout the Coast and the State of Mississippi. He currently serves as Chairman-Elect

for the Jackson County Chamber of Commerce, Vice President / Finance for the United Way of Jackson & George County, as a director of the Gulf Coast Business Council and a member of the Executive Leadership Team for the Jackson County Heart Walk. He is also actively involved in the Pascagoula Rotary Club and the Mississippi Bankers Association. He was recently recognized as one of the Top 10 Leaders Under 40 by the Mississippi Gulf Coast Chamber of Commerce. Legear resides in the Hurley area in North Jackson County with his wife, Megan, and their three sons. Legear commented, “I am deeply humbled to have this opportunity to serve our customers, our Bank Family, and the communities we call home. Royce Cumbest is one of the most talented, well respected and consistent leaders in community banking. M&M Bank and the entire Gulf Coast have benefitted greatly from his leadership through the years. I look forward to continuing to work with Royce, our Board, and our talented team of bankers to help both M&M Bank and the communities we serve reach their full potential.”

Jerome Brown of The First named to National advisory committee by OCC The Office of the Comptroller of the Currency (OCC) named three new members to its Minority Depository Institutions Advisory Committee (MDIAC) in June, 2019, including Je-

Brown

rome Brown, Senior Vice President and Director of Community Development, The First, A National Bank, Hattiesburg. The MDIAC advises the OCC on steps it can take to ensure the continued health and viability of minority depository institutions and other issues of concern to these institutions. Brown is a graduate of Jackson State University

and the Mississippi School of Banking. Brown has also served on the executive council of the Mississippi Young Bankers, a section of the Mississippi Bankers Association.

SUMMER 2019

Around the State THE MISSISSIPPI BANKER

Bank of Commerce announces merger with Peoples Bank & Trust Company Bryan Thornhill, president of Bank of Commerce, is announcing that Peoples Bank & Trust Company is in the process of merging with Greenwood’s oldest bank. They each have long Thornhill histories as hometown financial institutions, and according to senior officials at both banks, that will not change. Thornhill said, “We’ve always kept relationships at the center of what we do, and we know that Peoples Bank has done the same, so it feels like the perfect fit.” The official change was set to take place on May 1, 2019, with the transition of all banking services for Peoples Bank & Trust customers happen-

ing on June 17, 2019. The merger brings the total assets of the Bank of Commerce to more than half-a-billion dollars. “There is so much we have in common, from our culture and philosophy about putting customers first, that we knew it was a good match,” said Pate Shackelford, president of Peoples Bank. Shackelford added, “We see this as a good opportunity to grow and expand our services with another good local bank.” Bank of Commerce was founded in 1904, with Peoples not too far behind in 1917, and both survived the Great Depression. Bank of Commerce is headquarted in Greenwood and has locations in Oxford, Starkville, Columbus, and Charleston. “In looking to bring more resources to our bank in terms of loan and afford-

able housing options, it was crucial that it be a group we knew would take care of our customers,” said Shackelford, who will remain as president of the Carroll County locations. He stressed that the change is intended to be seamless and that their customers will not have to change account numbers, loans, direct deposits, or ACH drafts. “Every one of our board members was in agreement that this was a good move,” said Shackelford. According to him, another benefit for customers of Peoples Bank is gaining options for locations and ATMs. He added, “Our customers’ contacts at the bank will not change, and that’s what matters most to us.”

Dr. Gary Butler elected to Renasant Bank Board of Directors

Renasant Corporation announced that Dr. Gary Butler has been elected to the Board of Directors of Renasant Bank, a wholly-owned subsidiary of the Company. Dr. Butler serves as Butler the Chairman and Chief Executive Officer of Camgian Microsystems, a technology company headquartered in Starkville, Mississippi. From its early work in building advanced sensor technologies and solutions for organizations such as DARPA, Dr. Butler has led Camgian's evolution into a multi-million-dollar revenue business and a leading company in the Internet of Things (IoT) market. During this period, Camgian has been named by Inc. Magazine as one of the fastest growing private companies in the US; Entrepreneur Magazine as one of the most entrepreneurial companies 4

in America; The Silicon Review as one of the top 50 fastest growing technology companies; CIO Review as one of the top 50 most promising companies in IoT; and Compass Intelligence as one of the world's top companies in IoT innovation and execution. Moreover, ABI Research featured Camgian in their 2015 Hot Tech Innovators report, which identified the company as one of the world's top young tech companies. Dr. Butler has been a speaker and panelist at events such as Liveworx, the IoT Global Summit, CLSA Americas IoT Innovation Summit, M2M Evolution, European IoT Summit, TEDx and BattleFin London. In addition, he has been recognized by Postscapes as a 2015 IoT CEO of the Year award winner and has testified as an expert witness on IoT's market impact before the US House Committee on Energy and Commerce. He has been recognized as one of Mississippi's Top 10 Vision Leaders by the Mississippi Innovation

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Economy; one of Mississippi's Top CEOs, Technologists and Entrepreneurs by the Mississippi Business Journal; and one of Mississippi's Top 50 Most Influential Leaders by Y'all Politics. "We are excited to welcome Gary to the Renasant Bank Board of Directors," Renasant Executive Chairman, E. Robinson McGraw, and Renasant President and CEO, C. Mitchell Waycaster, said in a joint statement. "As we continue to provide innovative and technology-driven solutions, we believe Gary's knowledge and experience in technology, business, and education will serve our company and board well." Dr. Butler earned his Ph.D. from the University of Cambridge in engineering where he was a member of Churchill College and studied dynamics and the application of wavelets to signal analysis. He earned his M.S. in mechanical engineering from Vanderbilt University and B.S. in mechanical engineering from Tulane University.

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Around the State

MBA Legislative Update

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Mississippi banks promote 'Financial Literacy Month' Merchants and Planters Donnie White, Vice President, Merchants and Planters Bank, Raymond, recently spoke to the M2M (Minority Male Initiative) on the Jackson Campus of Hinds community College in early April. He had a timely conversation regarding handling of their scholarship refund checks which were about to be sent to the students. He also educated the group on the importance of a good credit score. The bank has established an ongoing relationship with this program, speaking on timely financial topics throughout the year.

BankPlus In 2008, Marcia Reed joined BankPlus in order to take on a unique challenge. That challenge was to use her singular skillset of counseling, caring and community involvement in order to build

one of the nation’s best financial literacy programs. Marcia helped BankPlus develop the CreditPlus program as a payday lending alternative that would also serve the under-banked who want to enter the Reed commercial banking system. BankPlus realized that financial literacy was important but also understood that a loan alternative was crucial to helping individuals. CreditPlus is a small-dollar, short-term loan product designed to help improve a person’s credit and put them on the right track to a more sound financial future. CreditPlus participants are required to attend a three-hour financial literacy seminar conducted by BankPlus staff covering basic financial concepts taken from the FDIC MoneySmart curriculum. The

curriculum also encourages participants to adopt a savings plan as part of the overall structure of the program. In just over a decade, more than 950 seminars have been conducted across Mississippi in conjunction with the CreditPlus program. The vast majority of these seminars are held outside of typical banking hours in order to accommodate as many people as possible. A conservative estimate indicates BankPlus has invested more than 12,000 hours in the education portion of the program alone. More than 28,000 individuals have attended seminars and more than 20,000 have obtained at least one loan. Under Marcia’s leadership, not only has the CreditPlus program changed the lives of thousands of Mississippians, it has garnered several local and national awards.

bringing

wellness home

Thank you to these banks for sharing their financial literacy stories. If your bank is working on a program (education or otherwise) that you would like to share, please contact Amanda Markow, Communications Manager at amarkow@msbankers.com.

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2019 MissBankPAC fundraising underway MissBankPAC, the political action committee sponsored by the Mississippi Bankers Association, is currently engaged in its 2019 fundraising drive. MissBankPAC set annual fundraising goals of $105,000 for its State Fund and $25,000 for its Federal Fund. The MissBankPAC State Fund will be active in providing support to candidates in many of Mississippi’s state legislative races this year. Primary elections will be August 6, while the general election will be November 5. The Federal Fund participates in elections for U.S. Senate and House seats. Each MissBankPAC fund is governed by different rules. The State Fund is allowed to accept corporate contributions, while the Federal Fund is not. And, while state banks can make corporate contributions, national banks generally cannot. MissBankPAC directs its fundraising effort to member bank CEOs, who are encouraged to conduct in-bank fundraising campaigns and, if eligible, to make corporate contributions. MissBankPAC does not directly solicit individual bank officers or employees. Chuck Nicholson of Community Bankshares chairs a committee of bankers that oversees fundraising and makes campaign contribution decisions, based on feedback from local Mississippi bankers. PAC Treasurer Gordon Fellows can assist bankers in learning how they can participate in MissBankPAC. Bankers are encouraged to contact Fellows by telephone at (601) 948-6366 or by email at gfellows@msbankers.com.

Top: Mississippi bankers who attended the Community Development Bankers As sociation (CDBA) Conference met with Representative Trent Kelly during the annual CDBA Advocacy Day on Capitol Hill. Below: During the annual Independent Community Bankers of America Capital Summit, Mississippi bankers met with members of the Mississippi Congressional delegation, including Senator Cindy Hyde-Smith.

The Community Development Partnership of Philadelphia congratulates

GREG MCKEE 2019-2020 MBA Chairman We appreciate his leadership and service to our community and state, as well as the Mississippi banking industry.

Philadelphia, MS 39350 / 601-656-1000

SUMMER 2019

Mississippi Bank Milestone

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The Bank of Holly Springs celebrates 150 years The Bank of Holly Springs celebrated a milestone in June marking 150 years of service to the community. The oldest bank in the state, the Bank of Holly Springs was chartered by the Mississippi Legislature in 1866 and authorized to open as soon as $25,000 in capital was raised. Three years later, the bank opened on February 5, 1869. Today, most employees of the bank are locals to the area, and many have over 30 years of experience. The bank has had three presidents in the last almost 75 years. Harris Gholson, president from 1946-1973, hired S.B. “Tubby” Gresham upon his completion of Air Force service. Gresham became bank president in1973, and now his son Steve serves as president and CEO. Steve Gresham has been with the bank since 1983, and still his favorite part of banking is helping people accomplish their goals. “Helping a young person get started, helping somebody purchase a home or helping a new business get started and knowing that we have been a part of it is a remarkable feeling. We

have long time customers that will still talk about how the bank helped them get their first car or their first house and how much they appreciate the fact that somebody was willing to take a chance on them,” said Gresham. One of his favorite examples of a Bank of Holly Springs success story is Contract Fabricators, Inc. The bank played a part in the company’s start in the 1980s when the metal fabrication company started with a few employees in a bare bones facility. They now have over 100 employees in two locations and ship their products around the world. “Our reward has been knowing that we helped create good jobs for our area and seeing a relationship of customer loyalty rarely seen in business these days,” said Gresham. In addition to helping customers monetarily, the bank’s employees are very involved in the community. “Our employees serve on different boards and committees throughout our area and we participate in and support many fundraisers and community events,” said Steve.

“We also work with our city and county boards and our Industrial Development groups to bring in more businesses to help bring additional jobs and services to the areas we serve.” The bank even helped kick start the recovery effort from the December 2015 tornado with a $50,000 donation. The 150th celebration was a way to thank their customers for helping them reach this milestone. On Friday, June 7, everyone enjoyed lunch, a late afternoon meal, and ice cream along with live entertainment, and a live SuperTalk Mississippi broadcast. “Reaching the 150-year milestone helps affirm that what we do here is important. We realize that for us to continue and grow, we have to provide our customers the services that they need so that they will keep coming back and refer others. That we have been able to reach 150 years is a testament that our customers appreciate the service that we give them.”

Top, left: Steve Gresham, CEO and President of the bank, here with his dad, Tubby Gresham, former CEO and president, and son Steven Gresham, Jr.. Gresham's grandfather and great-grandfather were also bankers in Ashland, Mississippi. Right: Super Talk MS did a live broadcast from the bank to highlight the significance of the impact the bank has had on the community for 150 years. Middle, left: Gresham slices into the celebratory cake. The day's event was open to the whole community. Anyone could stop by and enjoy lunch and snacks throughout the afternoon, and they had quite a turnout. Middle and right: Inside the bank was a display of memorabilia from their 150 years, including an original ledger. Bottom: Bankers from across the state came to help celebrate, including Mac Deaver, MBA President; Past MBA Chairman Bobby Martin, Ripley; Greg McKee, MBA Chair and CEO, The Citizens Bank, Philadelphia; Steve Gresham, CEO, The Bank of Holly Springs; Mary Childs, former MBA Chair and CEO, The Peoples Bank, Ripley; and Gordon Fellows, MBA SVP Government Relations. Above: Vice President Lexine Smith (center) joined CEO Steve Gresham, Chairman Tubby Gresham and other officers for the cutting of the ribbon to begin Bank of Holly Spring’s 150th anniversary celebration on June 7. 8

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SUMMER 2019

MBA 2019-2020 Chair

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end of 2002, McKee took over as CEO. Under McKee’s leadership, the bank has surpassed the billion-dollar asset level, and it now has locations from Oxford to the Gulf Coast. The bank recently announced an acquisition that McKee hopes to complete in the early 4th quarter. “I’m excited about it,” said McKee. “It will give us a larger presence on the Mississippi Gulf Coast.”

"To really know me, you need to know the tenets of who I am. My faith is foremost. It really is the central part of me. And then my family comes next, and then this job."

Greg McKee, 131st MBA Chairman

With all of the growth the bank has seen, McKee remains proudest of one thing: the people. “The people of this bank are what makes it,” he said. “We’ve had growth, most of it organic. We’ve bought some branch

properties, but most has been organic based on the people we have. It’s the bedrock of what our success has been. Those senior folks and the people that work with them. The whole team,” said McKee. “The biggest achievement I feel like I’ve accomplished is the senior management team that I’ve built. That I’m very proud of and thankful to have. It’s a good group. I have been blessed to have a Board of Directors that has been supportive of our strategies and initiatives. They have been an integral part of the success the bank enjoys.” Jackie Hester, Vice President and Marketing Officer, worked at the bank when McKee first started and said that his leadership and support of managers and employees has been the driving force of the bank’s success today. “He has always let employees know that they are the bank’s greatest asset,” Hester said. “Greg has an open-door policy for customers and employees alike and welcomes their visits regardless of the nature.” Chaney agreed. “He leads by example and puts forth an excellent example. He maintains an excellent rapport with employees throughout the bank.

To him, every employee matters, and it’s very positive to have someone at the helm with that sort of attitude.” In addition to interacting with employees and customers, McKee has spent a good part of his banking career participating in the Mississippi Bankers Association and working closely with bankers across the state and country. From the MYB scholarship at the start of his career to his current service as MBA Chairman, McKee has always been very involved with the MBA. His two daughters grew up going to MYB and MBA events with Greg and Linda. He’s served on the board of directors as well as the board of the MBA’s medical insurance trust, the Lending Commit(continued on page 12)

Leadership grounded in faith, family, community Greg McKee has been the president and CEO of The Citizens Bank, Philadelphia, for almost 17 years, and he has been with the bank for 37 years. His is the spirit of a true community banker, and it shows in every aspect of how he leads the bank, and this year the Mississippi Bankers Association. “To really know me, you need to know the tenets of who I am. My faith is foremost. It really is the central part of me. And then my family comes next, and then this job,” said McKee. McKee was influenced by his parents’ careers—his mom worked at The Citizens Bank for a total of 52 years, and his dad worked in grocery retail—and he knew he wanted to do something where he, too, would interact with people 10

daily. He saw banking as the answer. McKee is a graduate of Meridian Junior College, Mississippi State University and the Graduate School of Banking at LSU. As a junior at MSU, McKee began to have doubts about pursuing a banking career. One night, he prayed about his major past midnight in the Chapel of Memories. The very next week, he was awarded the Orrin Swayze Scholarship at the annual Mississippi Young Bankers Convention, recognizing him as the best banking student in the state. “I credit that nudge with assuring me that I was on the right career path,” said McKee. Shortly after, Erdis Chaney, Vice President and Cashier, hired McKee as a part time teller at The Citizens Bank. “I did

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hire Greg, and I do not remember ever having a reason to question that decision. If he had a cheering squad, I would be his head cheerleader,” said Chaney. He worked Friday afternoons and Saturday mornings, commuting to MSU as a senior on Tuesdays and Thursdays and working at the bank on the other days. He graduated on a Friday afternoon and went to work at the bank full-time the following Monday. He jokes that his first day was spent cleaning the basement. McKee spent 11 months as a management trainee. He then ran loan operations, the loan review department, and then lending until 2001. He became Chief Operations Officer in 2001, and COO and President in 2002. When Steve Webb retired at the

Left: Evan and Meredith Humprhies, Greg and Linda McKee, Liz Lyle, Lauren and Matt Livingston. Right, Top: McKee still keeps his Swayze Scholar medal in his office. Right, bottom: When McKee took over as CEO and President, a bank employee made him a broom to remind him that his first day started with cleaning the basement. SUMMER 2019

Leadership in our bank, for our communities and across the state.

MBA 2019-2020 Chair THE MISSISSIPPI BANKER

Left: McKee stands in the board room in front of the wall displaying all past and present board members. Right, top: The McKees love to travel, and Greg has taken on photography as a hobby. Bottom: McKee with his daughters and granddaughter, Liz Lyle, who is named after him and his father.

(continued from page 11)

tee, and the Legislative Committee over the years. He has also represented Mississippi on the Community Bankers Council of the American Bankers Association. “I think we have a good banking fraternity in the state. I’ve always felt like the industry has been really good to me and my family, and I felt like I should always give back,” McKee said. “In fact, the most significant experience of the MBA is the friendships I’ve developed all over the state that I never would have made otherwise.” McKee’s commitment to the industry has been constant, and this year he takes on his largest commitment yet as MBA Chairman. His main goals include implementing a long-term plan for acquiring a new building for the MBA office, and supporting the transition in staff leadership as Mac Deaver retires, and Gordon Fellows assumes 12

the role of MBA President and CEO. “Part of my responsibility is to ensure to the extent possible that this be a smooth transition. I want it to be seamless for the members and the staff. I think that’s happening,” he said. McKee has also set a personal goal to visit as many member banks in the state throughout the year as possible. “The membership deserves the respect and the opportunity to speak to someone from the association in their bank, to share what they need and what’s working, and they’re thankful for,” said McKee. What McKee loves most about banking is helping people help themselves and the community. His overall focus on people is evident not only in his service to the bank and to the MBA, but also, and most importantly to him, in his family. He and his wife, Linda, a former teacher, have two daughters, Lauren and Meredith. Lauren and her hus-

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band, Matt Livingston live in DeSoto County. Meredith and her husband Evan Humphries live in Philadelphia with their daughter Liz Lyle. This energetic two-year old has brought a new and positive dynamic to the family. McKee said his family has been involved in The Citizens Bank for as long as he has. “Linda’s as much a part of this as I am. She has always been by my side throughout, and the girls both worked here in high school." They are a close-knit group, and McKee said that when the girls were growing up, you hardly ever saw just one McKee without the other three. McKee relies on his faith and hard work to maintain both a strong family and a strong bank. As he puts it, “Beyond my faith, my family is most important to me. If I do anything wrong or right, it will be reflected in the lives that I lead.”

Greg McKee, President and CEO

The employees, officers and directors at The Citizens Bank congratulate Greg McKee on being elected Chairman of the Mississippi Bankers Association for 2019-2020 His influence and leadership that we experience everyday has been expanded with his election as Chairman of the Mississippi Bankers Association. We wish him every success in this added role in the certain knowledge that our state’s banks will benefit from his guidance and experience.

www.thecitizensbankphila.com Proudly serving Attala, Forrest, Jackson, Lafayette, Lamar, Lauderdale, Leake, Kemper, Neshoba, Newton, Oktibbeha, Rankin, Scott and Winston counties.

SUMMER 2019

MBA 131st Convention

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Anderson, Cole elected MBA officers for 2019-2020 Andy Anderson, Vice Chairman Andy Anderson of Anguilla has been elected Vice Chairman for 2019-20. Anderson serves as President, Chief Executive Officer, Chief Financial Officer and Anderson Director of Bank of Anguilla. He has over 36 years of banking experience with the Bank of Anguilla. He received his bachelors and masters of business administration degrees from the University of Mississippi. He is also a graduate of the Graduate School of Banking at LSU. His involvement in the MBA includes service on the Board of Directors and Executive Committee, and chairing the association’s Legislative and Compliance/Audit committees. He currently serves on MissBankPAC, the MBAsponsored political action committee. In national banking affairs, Anderson is a member of the American Bankers Association’s Community Bankers Council and has served on the ABA Government Relations Council, Professional Development Council, and Membership Council. He serves on the Conference

of State Bank Supervisors (CSBS) Bankers Advisory Board and the Board of Directors of the Community Development Bankers Association, both headquartered in Washington, D. C. He was recently appointed to a two-year term as Chairman of the CSBS Advisory Board. Anderson is on the board of Rolling Fork Visitor Center and Museum, Treasurer for Delta Council, and a past president and current member of the local Rotary Club. He has coached youth baseball for 23 years and high school baseball and softball for 13 years. He served as the announcer for football and basketball at Sharkey-Issaquena Academy for 23 years. He is an active member of First Baptist Church, where he serves as a deacon and is on various committees. Anderson and his wife, Tracye, have two children, son Ryan and daughter Marlee.

M. Ray "Hoppy" Cole, Treasurer M. Ray (Hoppy) Cole, Jr., Chief Executive Officer and President of The First, A National Banking Association, headquartered in Hattiesburg, has been elected

Treasurer of the Mississippi Bankers Association (MBA) for 2019-2020. Cole began his banking career in 1985 as a corporate banking officer at FNBC in New Orleans. In 1989, he joined Sunburst Bank, Laurel, as Market President. Cole then moved to The First, N.A., in 2003 as Branch Manager in Picayune, then Gulf Coast Regional Manager, and he assumed the role of CEO and President in 2009. He is a graduate of the University of Mississippi. Cole has previously served on the MBA Board of Directors from 20142017 and was Chairman of the association’s Dues Study Committee in 2015. He has also served on the MBA Legislative Committee. He is actively involved in his community through Venture Church and the Rotary Club. His serves as Vice Chairman of the Board of the Area Development Partnership, and he serves on the boards of the Mississippi Aquarium, and the University of Southern Mississippi Athletic Foundation. Cole resides in Hattiesburg with his wife, Cindy. They have four sons, Keith Farrish, Dusty Farrish, Mit Cole, and Drew Cole, and three granddaughters, Emma Claire Cole, Evvi Cate Cole, and Vivian Ruth Cole.

Cole

Four bankers elected to three-year terms on MBA Board banks and savings institutions op-

is currently responsible for corporate

sociation's members hold over 95 percent of bank deposits in the state. Chapman serves as Chief Operating Officer and Chief Financial Officer of Renasant Bank. He has worked in the financial services industry for more than 20 years with experience that includes initial public offerings, capital markets, mergers and acquisitions, capital raises, investor relations and corporate strategy. Chapman joined Renasant in 2005 and

investor relations, marketing, credit, human resources and day-to-day operations. Prior to Renasant, he served as Corporate Controller for a large regional bank and as an accountant with Ernst and Young in Birmingham, Alabama. He received his M.B.A. and B.S. in Accounting from Troy University. He is a licensed C.P.A. in the state of Alabama. Chapman has been involved with the MBA as a past member of Mississippi

Kevin Chapman, At-Large erating in Mississippi, and the as- strategy, finance and treasury functions, Kevin Chapman of Tupelo has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors. Chapman will hold an at-large seat Chapman on the Board. MBA’s membership includes commercial 14

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Young Bankers Executive Council and has been active on other MBA committees. Chapman is involved in many community and non-profit organizations and has served as a board member of the Yocona Area Council of the Boy Scouts of America, United Way of Northeast Mississippi, and the North Mississippi Symphony Orchestra. Chapman and his wife are strong advocates for education and are active supporters of the Tupelo Public School District. A Florida Panhandle native, Chapman and his family reside in Tupelo.

David Hemeter, South David B. Hemeter of Picayune has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors. Hemeter will represent the MBA's South Hemeter Division on the Board. Hemeter serves as President and Chief Executive Officer of First National Bank of Picayune. He has 35 years of banking experience and has been with First National Bank of Picayune for 28 years. He is a graduate of the University of Mississippi, the Graduate School of Banking at Louisiana State University, the National Commercial Lending School in Oklahoma, and the Mississippi School of Banking. Hemeter has chaired the MBA Lending Committee and has served on the MBA Board of Trustees for the Mississippi School of Banking and the Mississippi Young Bankers Executive Council. Hemeter is active in his community through the Highland Community Hospital Advisory Board, Kiwanis Club of Picayune, and a member of First Baptist Church. Hemeter and his wife, Wynn, have two daughters, Barkley and Sydney.

Henry A. "Bubba" Logue, Central

Logue and his wife, Holl y, h a v e f i v e a d u l t c h i l d r e n .

Henry A. “Bubba” Logue of Madison has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors. Logue will represent teh MBA's Central Logue Division on the Board. Logue serves as Director, President, and Chief Executive Officer of Merchants and Planters Bank in Raymond. His banking experience includes serving as Chairman, President and CEO of Madison County Bank, Madison; as Director, EVP of Holding Company and President of the Northeast Region at Citizens National Bank in Bossier City, La.; and as Director, President and CEO of First Republic Bank, Monroe, Louisiana. Logue holds a Bachelor of Arts Degree (Business Concentration) from the University Of Louisiana at Monroe, Monroe, La., is a graduate of The Graduate School of Banking, Louisiana State University, Baton rouge, La., holds a Master of Banking from the Graduate School of Banking, Austin, Texas, and is a graduate from the ABA Stonier Graduate School of Banking held in conjunction with the Wharton School of Business, Philadelphia, Pa. Logue has served on the MBA Legislative Committee, the MBA Group Insurance Committee Mississippi Bankers VEBA Board of Trustees, the ABA Community Bankers Council, and the CSBS Bank Advisory Board. He has served as the Chairman of the Louisiana Bankers Association. He is active in his community through his service on the boards of many civic and charitable organizations including the Chamber of Commerce, United Way, Girl Scouts, Boy Scouts, Arts Foundation, and the University of Louisiana - Monroe Foundation Board of Trustees.

M.J. "Jay" Tindall, North M.J. (Jay) Tindall, Jr., of Senatobia has been elected to a 3-year term on the Mississippi Bankers Association Board of Directors. Tindall will represent the MBA's North Tindall Division on the Board. Tindall serves as Chief Executive Officer and Chairman of the Board of Sycamore Bank in Senatobia. He has served as a Board Member of the Bank of Holly Springs, Senior Vice President of Banking Wolters Kluwer Financial Services in Minneapolis, Minn.; President and CEO of Gulpak Corporation in Jackson; and Vice President of Citizens Bank in Coldwater, before assuming his current role in 2012. Tindall has been a longtime supporter of the MBA, having attended MBA functions with his late grandfather, Wesley Melvin Tindall, and his father, M.J. (Jimmy) Tindall, who were both President of Citizens Banks, Coldwater. In addition to his board service, Tindall serves on the MBA Agriculture Committee. He also has supported the MBA as an affiliate member through his financial service companies. Active in his community, he is the former Vice Chairman of the Tate County Industrial Development Authority. Tindall has one son, Will, and one daughter, Hannah, and two grandchildren, Levi and Olivia.

132nd Annual MBA Convention

May 13 - 17, 2020 SUMMER 2019

MBA 131st Convention

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MBA Convention celebrates 'Legacy of Leadership' Over 650 attended the 131st Annual Mississippi Bankers Association Convention May 15-19 at Sandestin Golf & Beach Resort in Destin, Florida. “Legacy of Leadership” was the convention theme, celebrating the contributions of outgoing MBA Chair Mary Childs and other past industry leaders. Convention attendees enjoyed four days of activities, including the annual trade show, educational and business sessions, networking events and dinners each night, and the annual MBA golf tournament. The convention culminated with the installation of new Association leadership on Saturday, May 18. The association membership elected Greg McKee, CEO of The Citizens Bank, Philadelphia, as MBA chairman for 2019-20. Other bankers were elected to officer and board positions. The convention began with Wednesday’s Welcome Reception, sponsored by Federal Home Loan Bank of Dallas. This reception opened the convention trade show, featured exhibits by 60 vendors. The Trade Show Luncheon on Thursday was sponsored by The Peoples Bank of Ripley.

General session speakers on Thursday and Friday included Tim Zimmerman, ICBA past chairman; Jeff Szyperski, ABA chairman; Yenu Wadajo of Willis, Towers, Watson; Adam Thompson of StrategyCorps; 9/11 survivor Ari Schonbrun, former CAO of Canter Fitzgerald; and economist Lacy Hunt of Hoisington Investment. Hunt was sponsored by Raymond James. On Thursday evening, the MBA Education Foundation conducted its fourth annual Silent Auction, featuring items donated by banks and other donors. Held in conjunction with the Trustmark Bank Party, the auction raised more than $19,000 for the foundation. Friday’s general session was followed by the Grand Prize Giveaways, which awarded prizes donated by trade show exhibitors and a cash prizes totaling $2,500. The annual MBA Golf Tournament, sponsored by Stockett & Thomas, was played Friday afternoon with 13 teams of golfers competing. First National Bankers Bank/ FNBB Capital Markets hosted its annual lawn party on Friday evening. At the annual business session on

Saturday, bankers heard reports on MBA activities and elected association leaders for 2019-20. Mississippi Secretary of State Delbert Hosemann and Attorney General Jim Hood were on hand to make comments at the business session. The annual Spouse Program and Brunch also took place Saturday, featuring restaurateur Pete Blohme aka "Panini Pete" of the Food Network. On Saturday evening, Childs passed the gavel to McKee as he became the 131st MBA chairman. The Farewell Celebration and Dinner included remarks by Childs and McKee, as well as special recognition of past MBA chairs in attendance. The evening concluded with toasts to MBA President Mac Deaver in recognition of this upcoming retirement after 33 years on the association staff. Throughout the convention, recognition and thanks were expressed to convention sponsors. Major “Legacy” sponsors for the 2019 convention were Trustmark National Bank, FNBB/ FNBB Capital Markets, FHLB Dallas, The Peoples Bank of Ripley, Stockett & Thomas, and Raymond James.

During Saturday's business session, bankers were recognized for 40 and 50 years of service to Mississippi banking. Left: The 50 year bankers present were Joan Young and M. Paul Haynes, Jr. Right: The 40 year bankers recognized at convention were John D. Haynes, Sr., Jon Gunter, Debbie Rogers, Sara Jones, Jeff McCoy, and Michael Booker. For a full list of bankers reaching their 40 and 50 year anniversaries this year, please visit msbankers.com.

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SUMMER 2019

2019 MBA EDUCATIONAL EVENTS

MBA Professional Development Aug 14-15

IRA School Grantham Poole CPA offices, Ridgeland

Sep 8-11

MBA Washington Visit Washington, D.C.

Sep 12-13

Compliance Conference Hilton Hotel, County Line Rd., Jackson

Sep 17-18

Mississippi Young Bankers Leadership Conference & Golf Tournament The Westin, Jackson

Oct 2-3

MBA Security Conference Embassy Suites, Ridgeland

Oct 24-25

Wealth Management Conference Hilton Hotel, County Line Rd., Jackson

VISIT MSBANKERS.COM FOR MORE INFORMATION

Amy Davis | adavis @msbankers.com | 601-948-6366

Committed to the Deep Delta since 1904

Andy Anderson Vice Chairman of MBA Board of Directors, Vice Chairman of MBA Executive Committee, Chairman of MBA Foundation Board, President of MBA Education Foundation, MBA Political Action Committee Kit McCoy Compliance Committee Mackenzie Parker Agricultural Committee April Patterson Lending Committee Susan Perry Women in Banking Committee, Communications Committee Ashton Sandifer Infomation Technology/Information Security Officer Committee

Member FDIC

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Mississippi School of Banking

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Mississippi School of Banking concludes 50th session 49 graduates honored after completing two-year program

On Saturday, April 13, 49 students graduated from the 50th annual session of the Mississippi School of Banking, conducted by the MBA on the University of Mississippi campus. A total of 119 students attended the school this year during the week of April 7-12. The 50th class was comprised of students from 39 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 registrar. 2018-2019 MBA Chair Mary Childs spoke at the graduation ceremony and joined in presenting diplomas. During the graduation ceremony, Cheyenne Murphy, First Bank, McComb, and Callie Shaffer, Merchants & Farmers Bank, Holly Springs, received the Donald L. Moak Achievement Award for the highest academic honors in the 2019 class. This award is given by the MBA Education Foundation. Michael Reynolds, Trustmark National Bank, Jackson, was awarded a first year 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 "Bank US" and "Vision Bank." Members of "Bank US" were Cayley Browning, Bank of Kilmichael; Steven Coleman, Hancock Whitney Bank; Scott Cooley, Community Bank of Mississippi; Trent Marchman, Trustmark National Bank; and Wendy Newby, Bancorp South. Members of "Vision Bank" included Tori Carson, Bank of Anguilla; Mark Conzelmann, Hancock Whitney Bank; John James, Commerce Bank; Tina McCay, First American National Bank; and Cheree Sanders, Magnolia State Bank. 22

2019 Mississippi School of Banking Graduating Class

Top: MBA President Mac Deaver, 2018-2019 MBA Chair Mary Childs, Donald L. Moak Achievement Award winners Cheyenne Murphy, First Bank, McComb, and Callie Shaffer, Merchants & Farmers Bank, 2019-2020 MYB President Marc Petro, Community Bank, Dr. Ken Cyree, Director of the Mississippi School of Banking. Below: Center: Michael Reynolds, Trustmark National Bank, Jackson, winner of a first year scholarship to the Graduate School of Banking at LSU.

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Brandi Abbott - First American National Bank Stephanie Baldwyn - Trustmark National Bank Ben Beavers - Community Bank Cynthia Black - The Peoples Bank DeeDee Brown - The Peoples Bank Cayley Browning - Bank of Kilmichael Tori Carson - Bank of Anguilla Jared Case - Bank of Brookhaven Steven Coleman - Hancock Whitney Bank Woody Coleman - Regions Bank Mark Conzelmann - Hancock Whitney Bank

Lee McCarty - Community Bank Tina McCay - First American National Bank Michelle McCoy - Bank of Franklin Kory Moore - Citizens National Bank Cheyenne Murphy - First Bank Seth Muzzi - First Security Bank Wendy Newby - BancorpSouth Evan Nicolosi - Regions Bank Deonte Oscar - Community Bank April Patterson - Bank of Anguilla Ricky Piper - Hancock Whitney Bank

Scott Cooley - Community Bank Lindsay Currie - Community Bank Glenda Danzy - Southern Bancorp Michelle Dees - Hancock Whitney Bank Blake Gordon - Planters Bank & Trust Company Josh Hankins - Peoples Bank Randy Harris - Community Bank Marc Hearst - Community Bank John James - Commerce Bank Joni Johnson - PriorityOne Bank Candyce Kinnard - Bank of Yazoo Kristyn Lowery - The Peoples Bank Trent Marchman - Trustmark National Bank Mallory McCardle - The Peoples Bank

Ledale Reynolds - The Citizens Bank Michael Reynolds - Trustmark National Bank Cheree Sanders - Magnolia State Bank Dave Schaefer - Bank of Anguilla Callie Shaffer - Merchants & Farmers Bank Jennifer Tutor - Citizens Bank & Trust Company Kim Wallis - First American National Bank Jamie Waltman - BankPlus Tyler Walton - Trustmark National Bank Stefanie Weaver - Hancock Whitney Bank Daniel Webb - The Citizens Bank, Philadelphia Brad Whitaker - First Bank Gafford White - Community Bank SUMMER 2019

Graduate School of Banking at LSU

Mississippi School of Banking

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22 Mississippi bankers complete Graduate School of Banking at LSU On May 31, 2019, 185 bankers received graduation diplomas from the Graduate School of Banking at Louisiana State University. This threeyear program provides courses covering all aspects of banking, economics and related subjects. Students traveled from twenty-one states and Mexico to participate in this Session. Sponsored by 15 southern state bankers associations in cooperation with the Division of Continuing Education at

Above: The 2019 first year class had 70 students from 31 different banks and organizations across the state. Right, top: The graduating class competes in a BankExec Simulation contest. Two top teams were recognized at graduation ceremonies for their banks' performance. "Bank US" included Trent Marchman, Cayley Browning, Steven Coleman, Wendy Newby, and Scott Cooley. Right, bottom: "Vision Bank" was comprised of Mark Conzelmann, Cheree Sanders, Tori Carson, Tina McCay, and John James.

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 all parts of the U.S. During their three summer sessions at the Graduate School of Banking, students receive 190 hours of classroom instruction, planned evening study, and final examinations at the end of each session.

Mac Deaver, MBA President, John Jordan, Executive Director of the Graduate School of Banking at LSU, Wes Fulmer, Mississippi Trustee on the Graduate School's Board, and Gordon Fellows, MBA SVP Government Relations.

2019 Mississippi Graduates

Balanced Advice. Proven Results.

Serving Financial Institutions

John Blanton, Peoples Bank, Richland Donald Brown, Delta Bank, Natchez Paul W. Buchanan, The Peoples Bank, Gulfport Shareta Coleman, Holmes County Bank & Trust Company, Lexington Barbara Donald, Miss. Dept. of Banking, Jackson David Fayard, Hancock Whitney Bank, Gulfport Lynda R. Hartup, Miss. Dept. of Banking, Hattiesburg Leah Hearn, The Commercial Bank, Meridian Russell Huntley, Citizens National Bank, Meridian Michael C. Hutchison, Trustmark National Bank, Hazlehurst Philip Jones, Bank of Winona, Winona

Brian Kistler, Hancock Whitney Bank, Gulfport Jeff Lacher, Community Bank, Hattiesburg Christopher Lott, PriorityOne Bank, Collins Mark P. Maher, RiverHills Bank, Port Gibson Geoffrey McMichael, Citizens Bank, Columbia Jason Nichols, Guaranty Bank & Trust Co., Belzoni Michael D. Sisco, Miss. Dept. of Banking, Jackson Stephanie Spring, Merchants & Marine Bank, Pascagoula Benjamin Stewart, Citizens Bank, Columbia Kevin R. Stringer, Trustmark National Bank, Madison Alisha Weeks, Bank of Kilmichael, Kilmichael

Accounting Auditing Taxation Consulting Contact: Sim Mosby, CPAÂ 601-442-7411

www.silassimmons.com 24

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209 N. Commerce Street | Natchez, MS 39120

Above: The MBA joined other state bankers associations in hosting a reception for GSB students and faculty on May 22 at LSU Union. SUMMER 2019

American Bankers Association

Independent Community Bankers of America

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From the Top

Reframing the Credit Union Debate

By Rob Nichols, President and CEO, American Bankers Association

For too long, banks with legitimate concerns about unbridled credit union growth have been portrayed as Goliath picking on David. The truth is that in many states, a credit union is one Nichols of the largest local financial institutions, outranking most of the state’s community banks in size. But rather than trying to convince policymakers or the public that central casting got it all wrong—that it’s big credit unions that are harming small banks—ABA, with guidance from our long-standing banker Credit Union Task Force, has made a deliberate effort in the past two years to raise the level of awareness about credit union policy issues and excesses among third parties and the media. We believe this strategy is effectively reframing the debate from banks vs. credit unions to credit unions vs. taxpayers, a crucial step toward drawing more oversight of the industry. More people now are questioning whether credit unions, which enjoy a generous federal tax exemption, are earning this benefit. Even major media outlets like The Wall Street Journal, The New York Times and National Public Radio have turned a critical eye to credit union practices—running stories on the lax enforcement of meaningful membership restrictions and an expose of the industry’s taxi medallion loans, which imposed predatory terms on thousands of taxi drivers and drove some credit unions out of business. The most recent criticism comes from a respected independent research firm—Federal Financial Analytics, run by veteran banking policy analyst Karen Shaw Petrou who has a strong interest in matters of economic inclusion. ABA commissioned the study but had no editorial control over Federal Financial 26

Analytics’ research and conclusions. Petrou’s study assessed not only the extent to which credit unions meet their mission, but also how their federal regulator judges and enforces it. The paper found, among other things, that credit union members are disproportionately from middle- and upper-income households, that the National Credit Union Administration maintains no data on credit unions’ effectiveness at providing financial services to people

More people now are questioning whether credit unions, which enjoy a generous federal tax exemption, are earning this benefit. Even major media outlets like The Wall Street Journal, The New York Times and National Public Radio have turned a critical eye to credit union practices—running stories on the lax enforcement of meaningful membership restrictions and an expose of the industry’s taxi medallion loans, which imposed predatory terms on thousands of taxi drivers and drove some credit unions out of business. of “small means,” and that its definition of “low-income” is far more expansive than that used by other federal agencies. This lack of credit union mission compliance is the rub for Petrou. “Some-

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By Preston Kennedy, ICBA Chairman, President and CEO of Zachary Bancshares Inc., Zachary, La.

times the question of credit-union mission compliance is seen as an usversus-them battle between bankers and credit unions,” she said. “This study readily acknowledges the vital role credit unions can and should play in household financial services—its goal is not to question credit unions, but to remind policy-makers of their vital mission to ensure that taxpayer-benefits received are credit-union benefits earned.” ABA does not disagree. We have long maintained that there is a role for credit unions in our financial services ecosystem. But that role has become blurred as some credit unions increasingly look and act like banks, even purchasing them. It’s past time for policymakers to take a truly critical look at today’s $1.5 trillion credit union industry to ensure the American taxpayer is not being cheated. We have called for just such scrutiny, urging NCUA in particular to conduct a “top-to-bottom assessment” of whether the industry is meeting its targeted, statutory mission to serve households of “small means.” We have also asked the NCUA Inspector General to review the regulator’s role in allowing credit unions to lose sight of their mission. In the meantime, ABA is continuing to challenge NCUA in the courts. Our lawsuit against NCUA over its expansive field of membership rule is still active; we won two of four counts, are appealing the other two, and a decision could come any day. But we are excited to move our case to the court of public opinion—and even more encouraged that the response isn’t a knee-jerk dismissal of our grievances as competitive sour grapes. Others are now seeing the serious implications of credit unions’ mission failures and lax oversight, and such awareness is crucial to achieving a level playing field. E-mail Rob Nichols at nichols@aba.com.

“It is not the critic who counts … The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly …” Kennedy This piece of wisdom, so eloquently articulated by Theodore Roosevelt and popularized by Brené Brown, speaks to our experiences as community bankers over the past decade. Swept up as collateral damage in a financial crisis we didn’t create, we found ourselves uncertain of our next steps and how to continue offering loans with all the regulatory requirements we faced. We weren’t sure how to stay in the arena. As community bankers, our priority is to serve our customers to the best of our ability. So, we forged ahead cautiously and did what was best for them, even with increased costs. At my bank, paperwork burdens increased tremendously, and we needed more back-

office personnel to meet new regulatory requirements. Our training budget also soared to ensure we had the right skill sets for new compliance procedures and workflows. It was a struggle for us—and for other community banks— to work through this onerous process, but we weren’t willing to stop fighting. While we continue our battle today, new legislative changes offer some light at the end of the tunnel. For example, the passage of the Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155) last year provided some respite. For one, it saved us from having to capture 25 additional data points in Home Mortgage Disclosure Act (HMDA) reporting. Then, when we look at recent SBA loan legislation, there’s further evidence of a regulatory breather. For those banks that offer these loans, a 2018 law has helped stabilize the SBA 7(a) loan program with a higher cap on funding limits. This makes them a more viable option for those of us who are in the SBA game.

In my 41 years as a community banker, this is the first time that the pendulum has swung in our favor. Everything up until now feels as though it’s been more regulation, controls and procedures, but with this new legislation, the relentless forward motion has ceased. We’ve stopped the momentum of crushing burden, and we can shift our focus to hiring more customerfacing staff to enable us to increase our loan portfolio and expand our presence in the market. For me, this progress culminates in one crucial call to action—if you’ve benched yourselves or have been holding back, it’s time to reenter the lending arena. My Top Three These baseball legends were in the arena every game, and they make up my favorite players of all time: 1. Harmon Killebrew, Minnesota Twins 2. Rusty Staub, Houston Colt .45s 3. Gus Triandos, Baltimore Orioles

Since 1970, the MBA's Mississippi School of Banking has provided a two-year program of banker education on a wide variety of practical banking topics. Two one-week sessions on the Ole Miss campus expose students to all aspects of banking and bank management through a comprehensive curriculum taught by bank executives, industry professionals, regulators, and academic instructors.

51st Session August 2-8, 2020

In addition to approximately 80 hours of classroom instruction, students complete home study problems and pass written examinations at the conclusion of each year's session. During the second year, the school emphasizes teamwork as students compete in a computerized bank simulation exercise. MSB fosters long-term professional and personal relationships among its graduates. To learn more about the Mississippi School of Banking and receive registration information, contact MSB Registrar Amy Davis, adavis@ msbankers.com or 601-948-6366. SUMMER 2019

Bankers on the Move

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BankPlus

CB & S Bank

Community Bank

Elizabeth Allen has joined BankPlus as First Vice President & Director of Facilities, a new role in which she will develop and lead a comprehensive facilities management pro- Allen gram. Allen is a graduate of Mississippi State University, the University of Southern Mississippi (master's degree), and Marymount University.

Leon Harris was promoted to President, East Central MS. A native of Newton, MS, Harris has been in the banking industry for over 49 years. He is a graduate of the Univer- Harris sity of Mississippi and the LSU School of Banking. He resides in Meridian and is active in the community with The United Way of East Mississippi and the Meridian Rotary Club.

Sonya Collier has joined the bank as Branch Sales and Branch Operations Specialist and will be working in the Eupora office. Collier has over 20 years of Collier experience in the finance industry and is a graduate of Ackerman High School.

L i n d s a y Cu r r i e has been named Vice President. Currie recently served as Assistant Vice President and has been in banking for more than 11 years. In her new role, Currie Currie will continue managing and growing a loan and deposit portfolio, assist with daily operations, as well as, serve as the Bankruptcy Officer for the Metro Region.

Brandi Carr was recently promoted to Bank Officer & Personal Trust Admin & Financial Advisor Assistant. Carr has been in the industry for 10 years and is a native of Carr Jackson. She has a bachelor's degree in management and a master's degree from Jackson State University. Scott Culpepper was recently promoted to City President - Meridian. Culpepper has more than 27 years in banking and is a graduate of the University of South- Culpepper ern Mississippi and the Graduate School of Banking at Louisiana State University. Ti m D a v i s w a s recently promoted to City President Quitman. Davis is a native of Stonewall, MS, and has been in banking for over 33 years and part of Davis the BankPlus team for over 30 years. He is a graduate of the University of Mississippi and the Graduate School of Banking at Louisiana State University. 28

Josh Ryan was recently promoted to Assistant Vice President - Yazoo City. He is a native of Yazoo City and holds a bachelor's degree in business administration from the Ryan University of Mississippi. He and his wife Michala reside in Benton with their daughter Ellen Kate. Phyllis Saxton was recently promoted to Assistant Vice President and Retirement Services Administrator - Wealth Management. Saxton has been in the banking Saxton industry for 28 years. She is a native of Benton and a graduate of Belhaven University. Mary Straton Smith was recently promoted to Vice President & Director of The Source, a network for women in business, created by BankPlus. Smith is a native of Smith Starkville, and holds a bachelor's degree in communications from Mississippi State University.

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Martha Neely has joined the bank as a Mortgage Loan Originator and will be servicing the Mississippi area. Neely has over 30 years of banking experience and is an East Neely Central High School and Hinds Community College graduate.

Community Bank Chris Caves has recently been named Loan Officer. A native of Laurel, Mississippi, Caves recently served as Management Trainee and has been in banking for almost one year. Caves In his new role, Caves will focus on assisting consumers in and around the Ellisville and Laurel community with all of their banking needs. Matt Crabtree has been named Loan Officer. A native of Saltillo, Crabtree recently served as Management Trainee and has been in banking for two years. In his new role, Crab- Crabtree tree will be focusing on assisting customers with everyday credit needs, as well as, promoting Community Development throughout Tupelo.

Please submit banker promotions, new hire information and photos to: editor@msbankers.com

Jared Ganucheau has been named Loan Review Officer. A native of Hazlehurst, Ganucheau served as Assistant Loan Review Officer and has been in banking for Ganucheau almost three years. In his new role, Ganucheau will work with the Internal Loan Review Department to monitor the quality of the Bank's loan portfolio. DJ Grimes has recently been named Loan Officer. A native of Smithville, Mississippi, Grimes recently served as Management Trainee and has been Grimes in banking for two years. In his new role, Grimes will focus on growing and maintaining a portfolio of consumer and commercial loans. Pam Hebert has joined the bank's Mortgage Department in Madison as a Mortgage Loan Originator. Hebert has been in banking for 40 years, most recently as a Mortgage Hebert Loan Originator for another local financial institution. SUMMER 2019

Bankers on the Move

THE MISSISSIPPI BANKER

Great Southern Bank

Community Bank

First Security Bank

Je n n i f e r Mo o re has been named Assistant Vice President. Moore recently served as SBA Loan Officer has been in banking for 23 years, 11 of those being with Commu- Moore nity Bank. In her new role, Moore will process and underwrite SBA loans and assist lenders with questions regarding SBA financing.

Tim Pickett has been named Assistant Vice President. Pickett served as Loan Officer and has been in banking for two years. In his new role, Pickett will manage and grow Pickett a portfolio of loans and deposits while assisting with branch management. He is a graduate of the University of Mississippi.

Mollie Darby has been promoted to loan officer at our Robinsonville Branch. Darby began her banking career in 2012 and in 2014, she accepted a position with First Security Bank, where Darby she has worked as a customer service representative. She is a graduate of the University of Memphis.

Seth Muzzi has been promoted to loan officer at our Goodman Road Branch in Olive Branch. Seth is a 2017 graduate of Delta State University with a bachelorâ&#x20AC;&#x2122;s degree in Business Market- Muzzi ing. Seth completed his second year with the Mississippi School of Banking this April.

Jamie Fuqua joined the bank as Vice President. Fuqua began his financial career in 2009 in Hattiesburg. He is a graduate of Copiah-Lincoln Community College Fuqua and from the University of Southern Mississippi.

Lee McCarty has been named Assistant Vice President. McCarty served as Loan Officer and has been in banking for four years. In his new role, McCarty will manage McCarty and grow loans and deposits in the Forest market. McCarty is a graduate of Mississippi College and the Mississippi School of Banking.

Mark Power, Jr. has been named Vice President of Business Development. Power served as Business Development Officer and has been in banking, real estate, and the Power, Jr. practice of law for 20 years. In his new role, Power will grow the Metro Jackson market and assist with legal issues and asset evaluations.

Stacey Garrido has been promoted to assistant branch manager and loan officer at our Barton Branch in Byhalia. Stacey has worked with First Security Bank for 10 years Garrido as a teller, customer service representative and loan assistant.

Lance Peacock has joined the bank as vice president and loan officer at our Hernando Branch. Lance is a 2002 graduate of Mississippi State University, Mississippi Peacock School of Banking as well as the LSU Graduate School of Banking. Lance has 10 years of experience in the financial services industry.

Jeffrey Farris has joined the bank as Vice President Relationship Banker in its Cleveland Branch. In 2008, Farris was named Director of Alumni Affairs at Delta State University, Farris and in October 2018, he was named Director of Development for the Delta State Foundation.

Roshan Naran has been named Assistant Loan Review Officer. Naran served as Loan Review Assistant and has been in banking for one year. In his new role, Naran will Naran work with the Internal Loan Review Department to monitor the quality of the Bank's loan portfolio.

Amber Tucker has been named Branch Operations Officer. Tucker ser ved as Branch Operations Assistant and has been in banking for more than 10 years. In her Tucker new role, Tucker will oversee daily branch operations at the Pascagoula Office.

Dallas Porter has been named Assistant L o a n Re v i e w O f ficer. Porter recently served as Loan Review Assistant and has been in banking for one year. In her Porter new role, Porter will work with the Internal Loan Review Department to monitor the quality of the Bank's loan portfolio.

Simon F. Weir, II has been named Regional Executive Officer for Business Development. Weir served as Desoto County Division President and has been in banking for 30 Weir, II years, 21 of those years with Community Bank. Weir will implement Business Development opportunities for the North Mississippi Region.

THE MISSISSIPPI BANKER

Judd Gentry joined First Security Bank mid-year in 2018 after retiring from the MSU Extension Service as a County Director and Agriculture Agent. Gentry graduated from Mississippi Gentry State University. Gentry has been promoted to loan officer at the Power Drive Branch in Batesville. Will Magee joined the First Security Bank in 2017 while completing his studies at the University of Mississippi. He majored in Risk Management and Insurance and received his B.A. in Business Magee Administration. Will has recently been promoted to loan officer at our home office in Batesville.

Guaranty Bank

Guaranty Bank Brittany Stevens has been promoted to Assistant Vice President and Compliance Officer. She recently completed training with the Independent Community Bankers of America which earned her cer- Stevens tification as a Certified Community Bank Compliance Officer.

Guaranty Financial Services C l a y t o n Sm i t h has joined the firm as Managing Director of Guaranty Investment Corp. In this role, Smith is responsible for growing and managing the bankâ&#x20AC;&#x2122;s Smith wealth management practice, which will now be comprised of Guaranty Financial Services as well as Guaranty Private Wealth.

MBA Professional Development

Webinars

Training opportunities at your convenience Monday, August 12 Strategic Loan Pricing 1:30 p.m. Tuesday, August 13 Call Report-Lending Schedules for Banks 10 a.m. Do's and Don'ts on Power of Attorney Documents 1:30 p.m. Wednesday, August 14 Providing Accurate and Timely Adverse Action Notices 10 a.m. Marketing & Advertising Compliance 1:30 p.m.

Wednesday, August 21 Thursday, August 15 The ACH Audit & Risk Assessment: What You Compliance Management Need to Know 10 a.m. 10 a.m. Vendor Management - How Model Risk Fits in SSAE18, SOC1, SOC2 - What Do I need? 1:30 p.m. 1:30 p.m. Friday, August 16 Thursday, August 22 Headache Remedies for Supervisors Driving Results with Your Banks' Data 10 a.m. 10 a.m. Lending for Non-Lenders Monday, August 19 1:30 p.m. How to Analyze the Purchase of an Existing Business Friday, August 23 1:30 p.m. Accounting Basics 10 a.m. Tuesday, August 20 Strategic Directions for Banking Commercial, Small Business, and Consumer Customers 10 a.m.

Bankers on the Move

THE MISSISSIPPI BANKER

Magnolia State Bank

Lesley Berry has been promoted to loan officer in Petal. She has 14 years of banking experience and has been with Magnolia State Bank since 2011.

Berry

Jo a n n e Cro c k e r has been promoted to loan officer in downtown Laurel. She has 23 years of banking experience and has been with Magnolia State Bank since 2005.

Crocker

Stephanie Hurd has been promoted to Branch Manager in Heidelberg. She has been with Magnolia State Bank since 2006. Hurd recently Hurd obtained her Associates Degree in Business Management from Pearl River Community College.

Origin Bank Sean Farmer has joined the company’s Mississippi team as a Treasury Management Officer. Farmer has 28 years of banking experience specializing in the optimiza- Farmer tion of the movement of cash within a company to assist with maximizing corporate profits.

THE MISSISSIPPI BANKER

Peoples Bank

Planters Bank

Ryan Reeves has joined the bank as Vice President and Small Business Administration Development Officer. Reeves is a graduate of East Central Com- Reeves munity College, Mississippi State University, and the Mississippi School of Banking.

Chris West has been promoted to President of the Ruleville Branch. She has been with Planters Bank for 31 years. She is a graduate from the Mississippi School West of Banking at the University of Mississippi and the Southeastern School of Consumer Credit.

Planters Bank

PriorityOne

Alicia Chandler has been promoted to Vice President for the Ruleville office. She has worked for Planters Bank for 16 years and is a graduate of the University of Missis- Chandler sippi. She completed the Southeastern School of Consumer Credit and the MS School of Banking. Michael Retzer has been appointed to the Board of Directors. Retzer, a native of Greenville, received his B.S. from Southern Methodist University.Retzer owns Retzer McDonald’s Restaurants in Mississippi, Arkansas, Tennessee, Louisiana and Texasand was recently elected to serve on the National Franchise Leadership Council. Ben Robertson has been appointed to the Board of Directors. Robertson is a graduate of Indianola Academy and the University of Mississippi. He is a partner in Holly Ridge Robertson Planting Company and has worked in farming for 21 years.

THE MISSISSIPPI BANKER

Josh Allen has been promoted to Loan Officer at the Magee Lending Center Location. Allen holds a Bachelors Degree in Banking and Finance from the University Allen of Southern Mississippi where he was a Swazye Scholarship Nominee. He joined the bank in 2015.

PriorityOne Tammy Hart has been promoted to Assistant Vice President/ Card Services Manager. Hart holds an Associate Degree in Liberal Arts. She has been with the bank since March 2011.

Hart

Beth Herring has been promoted to Assistant Vice President/ Corporate Training Coordinator/Teller Administrator. Beth graduated from Magee High School and Herring holds a BSA/AML Professional Certification from the ICBA. Beth has 14 years of experience in banking and has been with PriorityOne Bank since 2009. many areas of the bank, most recently, Assistant Bank Secrecy Act Officer.

Loralee Brinson has been promoted to Vice President, Electronic Banking Manager. Brinson is an Accredited ACH Professional. She has 19 years of experience in bank- Brinson ing and has been with PriorityOne Bank since October 2000.

Tonya Leach has been promoted to Vice President-Branch Manager and Lender. Leach graduated from Mississippi College and the Mississippi School of BankLeach ing. She has 25 years in banking and has been with PriorityOne Bank since December.

Haleigh Eiland has been promoted to Loan Assistant/ Branch Officer for the Seminary Branch. Haleigh holds an Associates Degree from Jo n e s C o u n t y Ju - Eiland nior College, and attended The University of Southern Mississippi. She has been with PriorityOne Bank since June of 2015.

Rebekah McGee has been promoted to Assistant Vice President and Document Management Manager. McGee has been with PriorityOne Bank since November of 2007. McGee She has ser ved in many areas of the bank, most recently, Document Management Supervisor.

PriorityOne

Rob Oates , Jr. joined the bank as Vice President and Commercial Lender for PriorityOne at theBrandon Location. Oates has 12 years of banking experience. Oates, Jr. He serves as a board member for the Flowood Chamber of Commerce where he was the recipient of the 2018 President Award.

The First

Renee Moore CPA and Partner, TMH CPA & Consulting Firm, has been appointed to the Board of Directors of the Bank. She serves on the Forrest General Moore Foundation Planned Giving Committee, the 2019 Heart WalkExecutive Leadership Team.

Trustmark

Beth Stuart has been promoted to Assistant Vice President/ Branch Manager for the Bellvue Branch. Beth has 25 years of experience in banking, and has been Stuart w i t h Pr i o r i t y O n e Bank for 10 years. She has served in many areas of the bank, most recently, Loan Assistant, Customer Service Representative and Personal Banker.

K e v i n St r i n g e r has been promoted to First Vice President at the Colony Park office. Stringer joined the bank in 2001, and has over 18 years of banking experience. Stringer He is a graduate of the University of Mississippi, the MS School of Banking, and the Graduate School of Banking at LSU.

Angela Stringer has been promoted to Personal Banker for the Seminary Branch and Covington Division Customer Service Representative Trainer. Stringer is Stringer a graduate of Jones County Junior College and became a Licensed Bank Employee in 2010.

John Wise has been named Regional President of the Jackson Metro market. Wise joined the bank in 2001 and has over 22 years of banking experience. He is a graduate of Mississippi State Wise University and the Graduate School of Banking at LSU.

James Worthy has joined the bank as Assistant Vice President and Commercial Loan Officer at the Flowood location. He has experience as a Commercial Credit Underwriter Worthy and Commercial Loan Officer and completed a Managerial Bank Training Program.

Mike Zito, President of Trustmark Financial Services, has been recognized as one of the nation’s Top 30 Program Managers by Bank Investment Consultant (BIC), Zito a leading information source for financial advisors located at banks and credit unions. SUMMER 2019

MYB Banker Brick Program

MBA Job Bank THE MISSISSIPPI BANKER

The Mississippi Banker JOB BANK DOWNLOAD A JOB BANK FORM at msbankers.com Bank Examiner: The Department of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. We are also seeking speciality examiners in the areas of IT, BSA, and Trust. Please send resumes to sam.hubbard@dbcf.ms.gov. Commercial Loan Officer: Responsible for the production, quality and collection of a mixed loan portfolio of installment, consumer and commercial loans. Also, works to develop deposit relationships with loan customers. Promotes public relations and business development efforts by actively participating in local business and community activities. This candidate must have a Bachelor's degree in business, finance, or related field with a minimum of five years of lending experience. Strong analytical, time management, and organizational

skills with a high level of attention to detail. Good oral and written communication skills. Please apply online at www.priorityonebank.com/careeropportunities Lending Administrator: Merchants and Planters Bank is seeking to hire a new team member to be the lead person in handling day-to-day operations in their Loan Administration department. Experience in loan operations, review, or lending is preferred. Please send resumes to bshuff@mpbank.net. Marketing Administrative Assistant: State Bank & Trust Company is seeking a Marketing Administrative Assistant to serve as Administrator for the bank’s Marketing Committee, the employee recognition and customer acquisition program, Most Valuable Performers (MVP) and to provide support to Treasury Management. The Marketing Administrative Assistant will assist in the implementation of any marketing ideas, plans or strategies the bank or Marketing Committee may authorize. This will require working with various forms of media including print and electronic (social media) as well as working with internal and external groups to accomplish these duties. They will also perform duties associated with the MVP program which

consist of training existing and new employees on the use of the system as well as promote MVP on a regular basis. This candidate must have 2 to 5 years in bank marketing or acceptable experience with knowledge of bank deposit products and must have team leadership experience. Undergraduate degree in Marketing is preferred. This position will also require periodic travel. Please apply online at www. statebank1898.com. Trustmark's Compliance Department is looking to fill three open positions -Sr. Compliance Risk Manager HMDA, Sr. Fair Lending Analyst, and Fair Lending Risk Assessment (FLRA) Coordinator. For the Sr. Compliance Risk Manager - HMDA position, we are looking for a candidate with five years of progressive related experience, with a preference in HMDA reporting and analysis. For the Sr. Fair Lending Analyst, we are looking for five years of experience with a preference in Fair Lending and/or conducting analyses. For the FLRA Coordinator, we are looking for three years of financial industry experience, preferably in lending operational areas, or regulatory experience or risk assessment. Please visit www.trustmark.com/ careers to apply.

Building the Future of Mississippi Banking

Thank you to MBA member banks that are MYB Banker Brick Sponsors for 2019. These sponsorships support a full year of MYB activities and initiatives. Banks interested in joining the Banker Brick Program should contact Brooke McCoy, Marketing Manager, at bmccoy@msbankers.com or 601.948.6366.

Platinum Sponsors

Gold Sponsors

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in The Mississippi Banker Magazine and more Download our Media Kit msbankers.com or contact Brooke McCoy at 601-948-6366 bmccoy@msbankers.com

THE MISSISSIPPI BANKER

Banker TH E M IS SI

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Also in th

is issue • 2018 : • 2018 -19 MBA Sta • MYB MBA Was nding Co mmitte hin Annu al Lead gton Visit es ership Confer ence

Silver Sponsors Bank of Brookhaven Bank of Commerce Bank of Forest Bank of Holly Springs

BankPlus Cleveland State Bank First Choice Bank First Commercial Bank

FNBB Guaranty Bank & Trust Company The Peoples Bank, Biloxi

Thank you to these members of the Mississippi banking family who made a special effort to support this year's Silent Auction benefitting the MBA Education Foundation.

Andy Anderson Bank of Anguilla Lorraine Ashcraft Freddie Bagley Bank of Commerce BankFirst Financial Services BankPlus Gaye Broyles Eric Chambless BNA Bank Bo Collins Community Bank Mary Childs The Citizens Bank, Philadelphia Shane Clayton Cleveland State Bank Hoppy Cole Susan Deaver Kim Dubuisson Melannie Earles Mike Ellard

THE MISSISSIPPI BANKER

Farmers & Merchants Bank First Choice Bank First Security Bank The First, A National Banking Association Renita Gardner Bob Glover Moak Griffin Tashia Harris John Haynes Will Hays Jerry Host Lesley Kelley Bill Kilduff Natalie Latham Dee Dee Lowrey Zach Luke Marcus Mallory Greg McKee Bobby Martin Jim McAlexander

Chuck Nicholson Linda Nowell Marc Petro The Peoples Bank of Ripley Cindy Prince PriorityOne Bank Bill Ray Renasant Bank Wes Rouse Sarah Smith Mark Tapp Diane Tate Hugh Tate Randall Tynes Trustmark National Bank United Mississippi Bank Mitch Waycaster Frank West Danny Whalen Keith Williams Debra Yates

SUMMER 2019

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