Banker THE MISSISSIPPI
MISSISSIPPI LEGISLATURE Now In Session
VOLUME 99 • NUMBER 4
JANUARY/FEBRUARY 2015
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FOUNDED 1889
OFFICERS
Chairman Freddie Bagley, Brandon Vice Chairman George Marx, Hazlehurst Treasurer Frank Sibley, Marks President McKinley W. Deaver, Jackson
BOARD OF DIRECTORS Terms Expiring 2015 Mary Childs, Ripley Bill Freeman, Newton Wes Fulmer, Biloxi Brad Jones, Meadville Lorann Paige, Bay Springs Alan Walters, Jackson Terms Expiring 2016 Johnny Barrett, Oxford Robert Gage, Port Gibson Buddy Mortimer, Kilmichael Art Stevens, Jackson Terms Expiring 2017 Dennis Ammann, Mendenhall Greg Cronin, Biloxi Bobby Steinriede, Hollandale Mitch Waycaster, Tupelo James Wicker, McComb Ex-Officio Members Freddie Bagley, Chairman, Brandon George Marx, Vice Chairman, Hazlehurst Frank Sibley, Treasurer, Marks Odean Busby, Retiring Chairman, Magee H. Gregory Taylor, Preceding Chairman, Holly Springs
The official publication of the Mississippi Bankers Association Rachel Chew • Editor Volume 99 • Number 4 • January/February 2015
Features
MBA Women in Banking Conference......................................... 9 Third annual event will be held March 24 in Jackson
MBA Takes Positions on State Legislation................................. 10 Bankers provide input on issues at annual membership meeting
‘MYB Day at the Capitol’.......................................................... 11 Event brings young bankers to Jackson on February 24
Government Relations Summit................................................. 12 ABA event scheduled for March 23-25 in Washinton, D.C.
Member Banks.....................................................................14-15 Mississippi banks unite through MBA
MYB Convention Preview....................................................16-17
Annual meeting set for March 7-11 in Point Clear, Ala.
Vendor Management................................................................. 21 5 Steps for Preparing for Effective Vendor Negotiations
STAFF President................................ McKinley W. Deaver Senior V.P., Operations..........................Amy Davis V.P., Government Relations........... Gordon Fellows Programs Manager............................Lori Richardson Marketing Manager........................ Brooke McCoy Business Manager.................................... Gail Sykes Manager of Insurance Services..........Sherell Taylor Manager of Communications............. Rachel Chew Administrative Assistant....................... Amber Parker
Departments From the President...............................................................................................................2 Around the State.............................................................................................................. 3-8 Calendar............................................................................................................................19 Bankers on the Move.................................................................................................... 22-24 Classified Ads............................................................................................................... 26-27 American Bankers Association............................................................................................28 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone (601) 948-6366. Periodicals Postage paid in Jackson, Mississippi.
YOUNG BANKERS SECTION President................. Michael Schloegel, Gulfport Vice President............Parker England, Greenville
POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037. The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements. Printed By Hederman Brothers, Ridgeland, MS
JANUARY/FEBRUARY 2015
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From the President
THE MISSISSIPPI BANKER
In the trenches under the dome By Mac Deaver, MBA President
I began working for the MBA in 1985 when my Jackson law firm was retained to represent the association on state legislative matters. At that time, I was a 30-year old attorney with limited Deaver knowledge of banking or banking laws, and with zero experience working with the State Legislature. But I was pleased to be represent the MBA (i.e., “lobby”) at the State Capitol. I received this assignment after an “interview” with the MBA Executive Committee. (As I recall, I met with a group that included Ray Davis, Bob Kennington, Buddy Kahlmus, Farrell Berryhill, Cecil Robbins, Bobby Martin, Bud Robinson and Charley Youngblood. Of course, Ben Woods and Sis Fryant were there, too.) While my duties have expanded quite a bit in 30 years, it is fair to say that I “cut my MBA teeth” at the State Capitol. I quickly came to understand why “government relations” must be a top priority of our association. Bad legislation represents the most immediate threat to the success of traditional banking. (Keep in mind that regulations are created by legislation.) And it is the job of the MBA to work to see that any legislation enacted is positive, or at least workable, for our member banks. We work in support of policies that support, and do not impede, the success of traditional banking and all that it means to our state and its communities and its citizens. In three decades, the faces in the Legislature have changed drastically, but the basics of the legislative process have not. Despite the “changing of the guard” that has occurred – both in the Legislature and in Mississippi banking – the three keys to effective government relations are the same: relationships, communication, 2
and trust. We encounter many “moving parts” in working with the Legislature, but we can better deal with all of them if we embrace these three basic elements. When I started working with the Legislature, the only way to keep up with what was going on at the Capitol was to be there. For sure, this is still very important. (Just ask Gordon Fellows; you can reach him at the Capitol!) But today we have alternative ways to track bills and to communicate our views. Through the Legislature's website, we can see lists of bills as soon as they are introduced – and we can read legislative language and share it with others via email. Significantly, the time and place of legislative committee meetings (where the fate of most bills is decided) are on the internet within minutes of their being scheduled. (Thirty years ago, if I wasn’t there to hear the announcement of a meeting on the Senate or House floor, the meeting might be over before I even learned about it!) And today, we can even watch floor proceedings live via web cam. Back in 1985, I proudly carried a beeper. It beeped (or vibrated) when someone called, and it flashed a phone number – with no indication of whose number it might be. In response to this, I would hurry to the Capitol basement to seek an available pay phone so I could call the mystery number. Of course, everything became much better when I got my bag phone. Technology is a wonderful thing! The makeup of the Legislature has changed greatly in 30 years. Today, there are more women and minority members than ever before. And, as we are reminded every day, the Legislature is now a twoparty operation. These and many other factors have changed the inside politics that affect every debate. But, again, the basics of effective lobbying remain the same.
THE MISSISSIPPI BANKER
The MBA leadership and staff seek to develop and maintain effective relationships with and among our member bankers, with legislators and other public officials, and with other persons and groups who work in the legislative process. Our goal is to communicate effectively – with these same persons and groups – on a continuous basis. We work to inform our member bankers about issues as they arise. More importantly, we seek input from our members to help us identify issues and understand how they affect Mississippi banks. This helps us develop sound positions. Then, we communicate with legislators to help explain issues and to advocate our positions. The overriding factor, affecting our effectiveness in working with the Legislature, is trust. There is an old saying: “All a lobbyist has is his word.” This is an absolute. Representing the MBA, we strive to communicate openly and honestly among our membership and then to be forthright in communicating with legislators. We win some, and we lose some – but, over time, we are successful. And we are at the table to have a voice when other issues come along, as they always do. As I have said many times, the MBA is blessed to have an active and involved membership. This is what allows us to do the things that make us successful. Thanks for staying in the trenches with us on legislative issues. It means everything.
Mac Deaver, Sen. Amy Tuck Powell, Sen. Lynn Posey and Buddy Prestridge in 1993.
Around the State
THE MISSISSIPPI BANKER
Anderson named President and CEO of Bank of Anguilla Andy Anderson has been named President and CEO of Bank of Anguilla. He succeeds Fred Miller, Jr. who was elected as Chairman of the Board of Directors. Anderson has been Anderson with the Bank of Anguilla since 1983. He has served as Chief Financial Officer, Compliance Officer and is a Director of the Bank. Anderson holds both bachelors and masters in business administration from the University of Mississippi. He is also a graduate of the Graduate School of Banking at LSU. Anderson has been active in both MBA and ABA committees.
He is a member of the Rotary Club and has served as its president twice. Anderson is also a member of the School Board and serves on the Rolling Fork Visitor Center and Museum Board. He has served as mentor for students in the graduate program at the University of Mississippi. Anderson has coached baseball and softball on the little league and high school levels for 32 years, having coached high school fast pitch softball for the past four years. He has been the play-by-play announcer for football and basketball at SharkeyIssaquena Academy for approximately 25 years. He is a Sunday School teacher and Deacon at First Baptist Church of Rolling Fork. He is married to Tracye Anderson, and they have two children.
Aker, Massengill promoted At Bank of Brookhaven Bank of Brookhaven Chairman of the Board and Chief Executive Officer Bill Sones announced the promotion of Shannon E. Aker to President and Robb Massengill to Execu- Aker tive Vice President and Chief Financial Officer. Chairman Sones stated “Both of these men are outstanding bankers and have been with Bank of Brookhaven since we founded the bank in 2000. They have been leaders in the community and also served well in their respective churches.” Aker is a graduate of the University of Mississippi, the Mississippi School of Banking and a former Councilman for
the Mississippi Young Bankers. Aker has 29 years of banking experience, all in Brookhaven. Massengill has 17 years of banking experience and is a graduate of the University of Massengill Mississippi, and holds a Masters in finance from the University of Memphis. He is also a graduate of the Mississippi School of Banking and served as President of Mississippi Young Bankers. Sones added “Both Shannon and Robb have played vital roles in Bank of Brookhaven’s success, as one of the top ten rated banks in Mississippi. I know they will do a great job in their new positions with the bank.”
Hughes named Chairman At Community Bank, Coast The Board of Directors for Community Bank, Coast, is proud to announce that David M. Hughes has been promoted to Chairman of the Hughes Board. Hughes also serves as the Chief Operating Officer for Community Bank, Coast’s holding company, Community Bancshares, Inc. A Biloxi native, Hughes is a graduate of The University of Southern Mississippi with a degree in business administration. He is also a graduate of the Mississippi School of Banking and the University of Oklahoma Commercial Lending School. In 2013, Hughes was recognized as one ot he Top 10 Business Leaders of the Mississippi Gulf Coast and has been installed in the Mississippi Gulf Coast Business Leaders Hall of Fame.
SAVE THE DATE!
2015 MBA CONVENTION MAY 13-17 SANDESTIN, FL
JANUARY/FEBRUARY 2015
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Around the State
THE MISSISSIPPI BANKER
First Commercial Bank to acquire DeSoto County Bank First Commercial Bancshares, Inc. and DeSoto County Bank have jointly announced the execution of a definitive Agreement and Plan of Merger whereby DeSoto County Bank will be acquired by First Commercial in a cash and stock transaction. Following the completion of the transaction, DeSoto County Bank will merge with and into First Commercial Bank, the banking subsidiary of First Commercial Bancshares, Inc. With the merger, First Commercial Bank will enter DeSoto County, the third most populous and one of the fastestgrowing counties in Mississippi. In so doing, First Commercial will become the 22nd largest Mississippi-based community bank while securing a Top 30 share of the Mississippi deposit market. The combined organization will have approximately $370 million in assets, $298 million in deposits, and four branches located in two
of Mississippi’s largest metropolitan areas. “We are excited about this partnership, which introduces First Commercial Bank to the vibrant DeSoto County market and expands our ability to serve our clients in a critical commercial hub in the state of Mississippi,” said Alan Walters, First Commercial’s CEO. “DeSoto County Bank has earned a reputation for exceptional, individualized client service. We have known the management of DeSoto County Bank for quite some time and are confident about the growth opportunities this partnership provides. We look forward to earning the continued loyalty and business of DeSoto County Bank’s clients, as well as delivering significant long-term value for our combined shareholders as a result of this transaction.” William M. Renovich, DeSoto County Bank President and CEO, will serve as the DeSoto County market executive fol-
lowing the transaction and will also join the First Commercial Board of Directors along with one additional representative for DeSoto County Bank. “With this transaction, DeSoto County Bank will be able to advance the mission and values we started with while becoming a part of a larger, high-performing banking company with an attractive culture and customer focus,” noted Renovich. The transaction, which is expected to close in the second quarter of 2015, was unanimously approved by the boards of both companies but remains subject to approval by DeSoto County Bank’s shareholders and approval by federal and state regulatory authorities, as well as the satisfaction of other customary closing conditions provided in the merger agreement.
Community Bank, Ellisville, promotes Martin to CEO; Community Bank of Mississippi names Prather COO Bobby Knox, Chairman of Community Bank, Ellisville, announced the promotion of Justin Martin to Chief Executive Officer for the Ellisville bank. Martin joined Com- Martin munity Bank in 2007 and most recently has served as the Chief Operating Officer for the Ellisville bank. Martin is a graduate of Mississippi State University with a bachelors of business administration in banking and finance. He is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. Active in his community, Martin is a member of the Laurel Kiwanis Club 4
and a board member of the Laurel Country Club. He is also a 2014 graduate of Leadership Mississippi. Martin and his wife, Marisa, reside in Laurel Prather and have two children. The family attends Laurel First United Methodist Church. Greg Moore, President and CEO of Commuity Bank of Mississippi announced the promotion of Barry Prather to Chief Operating Officer for Community Bank of Mississippi. Prather joined Community Bank in 1995 and has served as an Executive Vice President in Commercial Lending since 2003. Along with Prather’s promotion, he has also been
THE MISSISSIPPI BANKER
elected as a member of the board for the bank. He is a graduate of Mississippi College with a bachelor of science in finance and a master of business administration. Prather is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. Active in the community, Prather is a board member for the City of Madison Chamber of Commerce, where he will serve as the 2015 Treasurer. Prather and his wife, Cheryl, have lived in Madison for the past 25 years and have two children. They are members of Broadmoor Baptist Church.
Officers and Board of Directors 2014-15 CHAIRMAN
VICE CHAIRMAN
TREASURER
Freddie Bagley Community Bancshares of Miss. Brandon
George Marx Cophiah Bank, N.A. Halehurst
Frank Sibley Citizens Bank and Trust Co. Marks
Preceding Chairman
Retiring Chairman
At Large
At Large
At Large
Odean Busby PriorityOne Bank Magee
Greg Taylor Merchant & Farmers Bank Holly Springs
Art Stevens Trustmark Bank Jackson
Dennis Ammann Peoples Bank Mendenhall
Mary Childs The Peoples Bank Ripley
Group 1
Group 2
Mitch Waycaster Renasant Bank Tupelo
Johnny Barett FNB Bank Oxford
Group 6
Robert Gage RiverHills Bank Port Gibson
Group 3
Group 4
Bobby Steinriede Buddy Mortimer Guaranty Bank and Trust Co. Bank of Kilmichael Hollandale Kilmichael
Group 6
Alan Walters First Commercial Bank Jackson
Group 7
James Wicker
Pike National Bank
McComb
Group 7
Brad Jones Bank of Franklin Meadville
Group 5
Group 5
Bill Freeman Lorann Paige Newton County Bank Magnolia State Bank Newton Bay Springs
Group 8
Wes Fulmer The Peoples Bank Biloxi
Group 8
Greg Cronin Charter Bank Biloxi
MBA Stafff
Lori Richardson Amy Davis Gordon Fellows Mac Deaver Programs President Senior Vice President Vice President Manager Operations Government Relations
Gail Sykes Brooke McCoy Rachel Chew Sherell Taylor Business Manager Manager of Marketing Manager of Manager Insurance Services Communications
Amber Parker Administrative Assistant
JANUARY/FEBRUARY 2015
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Around the State
THE MISSISSIPPI BANKER
BankPlus recognized in American Banker’s ‘Best Banks to Work For’ For the second consecutive year, BankPlus was recognized as one of American Banker’s ‘Best Banks to Work For’. Banks ranked by American Banker showcase unique employee benefits and strong cultures, making their employees feel engaged and valued. To determine the top-ranked banks for 2014, American Banker surveyed the entire BankPlus workforce in order to gauge strength as a company in categories such as leadership, planning, corporate culture, communication, work environment, compensation, benefits and more. Standout benefits include a paid day off for annual physicals, a paid day off for employment anniversaries and premium
health insurance discounts for employees who complete four wellness-related activities. BankPlus, in partnership with the University of Mississippi Medical Center, utilizes cutting-edge technology such as teh new Corporate Telehalth program, allowing each employee to consult with a live healthcare provider in a virtual environment for urgent care needs without paying for a doctor’s office visit. The time and money each employee saves helps foster an environment of trust. “I realize that being one of the best banks to work for takes commitment and continuous effort, and I am proud that we consciously decide each year to embrace those qualities. Every member
of the BankPlus team contributes to the culture we have,” said BankPlus President and CEO, Bill Ray.
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THE MISSISSIPPI BANKER
Around the State
THE MISSISSIPPI BANKER
Trustmark launches Trustmark Financial Scholars Program Web-based financial literacy program available in 125 Mississippi schools Trustmark and Wingfield High School educators celebrated the launch of the Trustmark Financial Scholars Program, a financial education course designed to empower young people with the essential skills needed to make sound financial decisions. In honor of its 125th Anniversary, Trustmark has partnered with leading education technology company EverFi, Inc. to bring this interactive, web-based financial management program to 125 schools across Mississippi. “Trustmark is proud to recognize our 125th Anniversary by providing essential financial education to 125 Mississippi schools, in the state where we began all the way back in 1889,” said Jerry Host. “This online financial literacy program will
help Mississippi students make smarter financial decisions in their daily lives and prepare themselves for their financial futures. We’re glad to launch this program at Wingfield High School with educators who are as committed as we are to improving the financial IQ of our young people through the implementation of the Trustmark Financial Scholars Program.” Trustmark has partnered with EverFi, Inc. to bring the program to local students at no cost to the schools or the taxpayer. The web-based program uses the latest in new media technology – simulations, avatars, gaming and adaptive-pathing – to bring complex financial concepts to life for today’s digital generation. The high school course, EverFi – Financial Literacy,
offers over six hours of programming with ten units in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k’s and other critical concepts that map to national financial literacy standards. The platform uniquely tracks the progress and performance of every student and provides students who successfully complete the course with a Certification in Financial Literacy, a valuable mark of distinction on college applications and resumes.
JANUARY/FEBRUARY 2015
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Around the State
THE MISSISSIPPI BANKER
Sliman retires from The Peoples Bank, Biloxi; Alexander resigns from Board of Directors Senior vice president Thomas J. Sliman has retired from The Peoples Bank after 30 years of service, announced Chevis C. Swetman, chairman and chief executive officer of the bank. “Tommy has been a valued member of our senior management team since 1988; I have relied on his perspective and advice for Sliman more than 20 years,” said Swetman. “Our bank will miss Tommy’s experience, and I will miss a trusted advisor,” Swetman added. Sliman graduated from the Louisiana State University. He became a Certified Insurance Counselor in 1979, and joined The Peoples Bank in 1985. Sliman was the bank executive in charge of construction of the new Swetman Building opened in 2008 connecting with the historic Main Branch.
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THE MISSISSIPPI BANKER
The Peoples Bank has announced that director A. Wynn Alexander has resigned from the board for personal reasons. Alexander was elected a director of The Peoples Bank in 2011. He is currently president of Desoto Treated Materials, Inc. and Desoto Land and Timer, Inc. in Wiggins. He was a founding member of the CPA Alexander firm Alexander Van Loon Sloan Levens & Favre, and was a partner with the accounting firm until his retirement in 1997. “We will miss Wynn’s wise counsel,” said Chevis C. Swetman, Chairman and Chief Executive Officer. “His professional experience and personal reputation in the Stone County area have been extremely valuable to the growth of our business in that region,” Swetman added.
Third Annual MBA Women in Banking Conference Set for March 24 in Jackson The third annual MBA Women in Banking Conference is scheduled for Thursday, March 24, in Jackson. The event will be held at the Marriott Hotel in downtown Jackson. A committee of bankers, chaired by Gee Gee Patridge of BankPlus, Ridgeland, has planned the conference agenda. Registration will begin at 8 a.m., and the conference will start at 8:30 a.m. Lunch will be provided for all attendees. Patridge will preside over the conference. The opening session will include remarks by Commissioner Charlotte Corley, Mississippi Department of Banking and Consumer Finance, and Sylvia Plunkett, Senior Deputy Director, FDIC, Washington, D.C. Highly regarded speaker, Amy Hutchens of AmyK International, will present a session titled “Ignite Brilliance in Your Leadership.” Hutchens is the CEO of AmyK International Inc. Her company has won five Telly Marketing Awards and the summit International’s Award for creativity. Deborah Bryant, First Lady of Mississippi, will be the guest speaker during the buffet lunch. Bryant currently serves as the Director of Community Development for Community Bank, in addition to her role as First Lady. When asked about this year’s Women in Banking conference, Patridge said, “It is a day to network with our peers in the financial industry, enhance our leadership skills and meet with several of Mississippi’s women leaders on a more personal level. It is refreshing, and I look forward to it again this year.” Registration for employees and directors of MBA member banks is $225 for the first registrant and $195 for each additional registrant from the same bank. Registration materials have been distributed to all MBA member banks. For more information and to register, please visit our website, www.msbankers.com. You may also contact Lori Richardson, MBA programs manager, at (601) 9486366 or lrichardson@msbankers.com.
Women in Banking Conference Planning Committee members met recently at the MBA office to finalize plans for the 3rd annual conference. Left to right: (Front row): Tammy Phillips, Mary Childs, Tracy Goforth, Robin Sanderson. (Back row): Mary Lois Stockman, Alice Herbison, Alfreda Horne, Lorann Paige, Monica Day.
Women in Banking Conference Planning Committee • Gee Gee Patridge, BankPlus, Ridgeland, Chairman • Mary Childs, Peoples Bank, Ripley • Audra Cook, Oxford University Bank, Oxford • Kristy Davis, First State Bank, Waynesboro • Monica Day, Trustmark, Jackson • Tracy Goforth, First Security Bank, Batesville • Mary Ann Gray, BankFirst Financial, Macon • Alice Herbison, Bank of Benoit, Benoit • Alfreda Horne, Hancock Bank, Gulfport • Lorann Paige, Magnolia State Bank, Bay Springs • Tammy Phillips, Community Bank of Mississippi, Brandon • Robin Sanderson, Citizens Bank, Columbia • Mary Lois Stockman, BancorpSouth, Tupelo
THIRD ANNUAL
MBA Women in Banking Conference MARCH 24, 2015
For more information, visit www.msbankers.com JANUARY/FEBRUARY 2015
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MBA Legislative Update THE MISSISSIPPI BANKER
MBA Board takes positions on state legislative proposals On January 14, over 75 bankers gathered for the annual MBA membership meeting to discuss state legislative issues. Bankers in attendance heard reports on a number of legislative proposals and offered their input to the MBA leadership on what positions the association should pursue in the 2015 Regular Session. MBA Chairman Freddie Bagley presided over the meeting, which was held in the Trustmark Conference Center at the Mississippi Sports Hall of Fame and Museum in Jackson. Robbie Barnes, chairman of the MBA Legislative Committee, joined Bagley and MBA staff in discussing legislative issues. Among bankers participating in the membership meeting were MBA Vice Chairman George Marx and MBA Treasurer Frank Sibley. Mac Deaver,
MBA president, and Gordon Fellows, ing in the association’s legislative process. vice president of government relations, Any banker with questions or comments discussed details of a number of bank- on state legislation is encouraged to conrelated proposals expected to come up in tact Fellows by telephone (601-948-6366) the 2015 session. or by email gfellows@msbankers.com. Commissioner Charlotte Corley of the Mississippi Department of Banking and Consumer Finance addressed the group to lay out her department’s legislative agenda. The membership meeting was sponsored by MBA Affiliate member, C Spire. Following the membership meeting, the MBA Board of Directors met at the association offices. The board adopted MBA positions on a number of bank-related issues. In the January 14 meeting, Chairman MBA Chairman Freddie Bagley addresses Bagley thanked all bankers for participat- bankers at annual membership meeting.
2015 Key Dates at the State Capitol The 2015 Regular Session of the Mississippi Legislature convened at the State Capitol on January 6. To be enacted, all legislation is subject to a schedule of deadlines for various actions. Listed here are major deadlines that apply to the Legislature’s consideration of general bills (which include most bank-related legislation) and revenue and appropriations bills (bills generating revenue or spending state funds). For more information, contact Gordon Fellow, MBA vice president-government relations, gfellows@msbankers. com or (601) 948-6366.
THURSDAY, FEB. 12 Deadline for initial floor action on general bills. WEDNESDAY, FEB. 25 Deadline for initial floor action on revenue and appropriations bills. TUESDAY, MARCH 3 Deadline for committee action on general bills originating in the opposite chamber. WEDNESDAY, MARCH 11 Deadline for floor action on general bills originating in the opposite chamber. TUESDAY, MARCH 17 Deadline for initial floor action on revenue/appropriations bills. FRIDAY, MARCH 20 Deadline to concur or not concur on revenue bills from the opposite chamber.
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THE MISSISSIPPI BANKER
THURSDAY, MARCH 26 Deadline to concur on amendments made to general bills by the opposite chamber. SATURDAY, MARCH 28 Deadline for filing conference reports on revenue/appropriations bills. MONDAY, MARCH 30 Deadline for conference reports on revenue/appropriations bills to be adopted; deadline for conference reports on general bills to be filed. WEDNESDAY, APRIL 1 Deadline for initial floor action on conference reports on general bills. FRIDAY, APRIL 3 Deadline for adoption of conference reports on general bills. SUNDAY, APRIL 5 Scheduled adjournment of Session.
First-ever ‘MYB Day at the Capitol’ Set for Tuesday, February 24 The Mississippi Bankers Association and Mississippi Young Bankers are excited to announce “MYB Day at the Capitol” on Tuesday, February 24. This event will provide a great opportunity for young Mississippi bank officers to gain knowledge of legislative issues and to become involved in the legislative process. The day will begin at 9:00 a.m. with a briefing at the MBA office by Freddie Bagley, MBA Chairman and Gordon Fellows, MBA vice president of government relations. The group will then go to the State Capitol to meet with Lieutenant Governor Tate Reeves, House Speaker Philip Gunn, and other legislative leaders and to see the legislative process first hand! Lunch will be provided by the MBA. All meetings are expected to conclude around
3:30 p.m. Specific details will be sent to all registrants. Actions by the State Legislature at the State Capitol have a major impact on banking in Mississippi. The Mississippi Bankers Association is always active in advocating industry positions and working to keep bankers informed and engaged in the process is critical to the success of these efforts. Make sure your bank is represented at the first-ever “MYB Day at the Capitol”! There is no charge for MBA member bankers to attend. Participants are asked to register plans can be made for meetings and lunch. To register or learn more about “MYB Day at the Capitol,” please visit our website, www.msbankers.com, or contact Fellows at the MBA.
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Calling all Mississippi bankers!
Register now for the ABA Government Relations Summit March 23-25 in Washington, D.C. Mississippi bankers are encouraged to join hundreds of other bankers from across the nation in Washington, D.C., from March 23-25, for the American Bankers Association’s Annual Government Relations Summit. “Continue our Tradition of Engagement” is the theme of the 2015 GR Summit, which is sponsored by the ABA and supported by the 50 state bankers associations. Over 1,000 bankers are expected to attend this year’s Summit, which will provide bankers the opportunity to meet with Congressional leaders and federal regulators, gain insights into Washington politics, and express their views on Capitol Hill. The Summit will be headquartered at the Washington Marriott Marquis in Washington. There is no registration fee to attend. The Summit begins on the evening of Monday, March 23, and concludes midday on Wednesday, March 25. On
2015 ABA
GOVERNMENT R E L AT I O N S
SUMMIT
Tuesday and Wednesday mornings, at-
MARCH 23-25
WASHINGTON, D.C. tendees will have the opportunity to attend “Meet the Regulator” sessions with senior officials of FDIC, OCC and other regulatory agencies. Keynote speakers for general sessions include Congressman Jeb Hensarling
(R-TX), Chairman of the Financial Services Committee in the U.S. House of Representatives. On Tuesday afternoon, Mississippi bankers in attendance will go to Capitol Hill for visits with our state’s Senators and Congressmen. MBA Chairman Freddie Bagley will lead these visits. A group dinner for Mississippi attendees will be hosted by the MBA; details will be provided to all registrants. When registering for the Summit with ABA, bankers can request accommodations at the Washington Marriott Marquis in Washington. The hotel will confirm reservations for all registrants. To assure accommodations, bankers should register with ABA by February 27. Bankers may register online at www. aba.com or by calling 1-800-BANKERS. For more information, Mississippi bankers may contact Mac Deaver, MBA president, at the MBA office at 601-948-6366.
Pre-Order your 2015 Bank Directory! The MBA’s Mississippi Bank Directory brings you the most up-to-date information on Mississippi’s banks. Use the directory to reach officers and directors or as a reference source to up-to-date financial data on the state’s banks. The directory includes: • • • • • • •
Mississippi commercial banks and branches by city/town Addresses, Phone numbers, Web sites and email addresses Routing numbers MBA Affiliate members Banking and trade organizations State and federal regulatory agencies Key state elected and appointed officials
$35
Pre - Order Today!
Visit www.msbankers.com or call (601) 948-6366 12
THE MISSISSIPPI BANKER
Front Row: Mark B. Higdon; Mark A. Bilbrey; John T. Cossar; Rande K. Yeager; J.M. “Mike” Sellari Back Row: J. Walter Michel; James M. Ingram; Robert Lampton; Harry M. Walker; W. Parrish Fortenberry; Ronnie Smith; Chip Triplett; Stewart R. Speed; Larry E. Favreau
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MBA Member Banks
THE MISSISSIPPI BANKER
The Mississippi Bankers Association owes its success to the men and women associated with these member institutions: Amory Federal Savings and Loan Association Amory BancorpSouth Tupelo Bank of Anguilla Anguilla Bank of Benoit Benoit Bank of Brookhaven Brookhaven Bank of Commerce Greenwood Bank of Forest Forest Bank of Franklin Meadville Bank of Holly Springs Holly Springs Bank of Jones County Laurel Bank of Kilmichael Kilmichael Bank of Morton Morton Bank of Okolona Okolona Bank of Walnut Grove Walnut Grove Bank of Wiggins Wiggins 14
THE MISSISSIPPI BANKER
Bank of Winona Winona
Community Bank, Coast Biloxi
Bank of Yazoo Yazoo City
Community Bank, Ellisville Ellisville
BankFirst Financial Services Columbus
Community Bank, North Mississippi Amory
BankPlus Ridgeland
Community Spirit Bank Belmont (Red Bay, AL)
BNA Bank New Albany
Community Trust Bank Madison (Choudrant, LA)
Cadence Bank, N.A. Starkville (Birmingham, AL)
Concordia Bank & Trust Company Natchez (Vidalia, LA)
Charter Bank Biloxi
Copiah Bank, N.A. Hazlehurst
Citizens Bank, Byhalia Byhalia
Covenant Bank Clarksdale
Citizens Bank, Columbia Columbia
Covington County Bank Collins
The Citizens Bank, Philadelphia Philadelphia
DeSoto County Bank Horn Lake
Citizens Bank & Trust Company Marks
Farmers & Merchants Bank Baldwyn
Cleveland State Bank Cleveland
First American National Bank Iuka
Commerce National Bank Corinth
First Bank McComb
The Commercial Bank DeKalb
First Bank and Trust Biloxi (New Orleans, LA)
Community Bank of Mississippi Brandon
First Commercial Bank Jackson
MBA Member Banks
THE MISSISSIPPI BANKER
First Federal Savings & Loan Association Aberdeen
Holmes County Bank & Trust Compnay Lexington
First Financial Bank Carthage (El Dorado, AR)
Home Bank Natchez
First National Bank, Clarksdale Clarksdale
The Jefferson Bank Fayette
First National Bank of Picayune Picayune
Liberty Bank & Trust Company Jackson (New Orleans, LA)
First National Bank, Pontotoc Pontotoc
Magnolia State Bank Bay Springs
First National Bankers Bank, Mississippi Ridgeland
Mechanics Bank Water Valley
First Security Bank Batesville First Southern Bank Columbia First State Bank, Holly Springs Holly Springs First State Bank, Waynesboro Waynesboro The First, A National Banking Association Hattiesburg FNB Oxford Bank Oxford Great Southern National Bank Meridian Guaranty Bank & Trust Company Belzoni Hancock Bank Gulfport
Peoples Bank & Trust Company North Carrollton Pike National Bank McComb Planters Bank & Trust Company Indianola PriorityOne Bank Magee Regions Bank Jackson (Birmingham, AL) Renasant Bank Tupelo
Merchants & Farmers Bank Holly Springs
Richton Bank & Trust Company Richton
Merchants & Marine Bank Pascagoula
RiverHills Bank Port Gibson
Merchants & Planters Bank Raymond
Southern Bancorp Bank Indianola (Arkadelphia, AR)
Metropolitan Bank Ridgeland
State Bank & Trust Company Greenwood
Newton County Bank Newton
Sycamore Bank Senatobia
OmniBank Bay Springs
Tallahatchie County Bank Charleston
Oxford University Bank Oxford
Trustmark National Bank
The Peoples Bank, Biloxi Biloxi Peoples Bank, Mendenhall Mendenhall
Jackson United Mississippi Bank Natchez Wells Fargo, N.A. Biloxi (Sioux Falls, SD)
The Peoples Bank of Ripley Ripley JANUARY/FEBRUARY 2015
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M AR
MARCH 7-11• M
MBO A M S DI GRA Marriott’s Grand Hotel Point Clear, Alabama
Sponsorship Opportunities Still Available!
Join us for the 65th Annual Mississippi Young Bankers Study Conference and Convention! Held at Marriott’s Grand Hotel in Point Clear, Ala., the MYB convention provides an opportunity for bankers to hear speakers on industry and leadership topics, as well as network with peers from around the state. The family-friendly Grand Hotel overlooks scenic Mobile Bay, offers a Fun Camp for children ages 5-12, and plenty of activities for everyone. For more information, contact Brooke McCoy, bmccoy@msbankers.com, or Amber Parker, aparker@msbankers.com. You may also contact the MBA office at (601) 948-6366.
Special Events! Exhibitor “Mardi Gras” Family Street Carnival
Sunday, March 8 • 4:30 - 6:30 p.m. • The Grand Lawn Our most popular 2014 event - the Family Carnival - is returning this year, but will have an exciting Mardi Gras flair! This event, hosted by Convention Exhibitors, will delight both adults and children! This event will include carnivalthemed games, activities, and exciting photo-ops. Carnival snack food will be provided (in lieu of dinner). Both adult and child beverages will be served. Don’t miss out as we let the good times roll!
Spouse Event Burlap Door Hanger Party! Monday, March 9 • 9:45 a.m.
Join other MYB Spouses as we gather for a fun, creative time! Kelly Denton with the local business Paint Slingers will guide our group as each individual creates a unique burlap door hanger for the home. Each spouse will get to take their completed project home. Spouses will be allowed to choose their design at the party. Drinks and light brunch items will be served. No additional registration fee is required to attend this event; however, space is limited, so an RSVP is required.
NEW! Mardi Gras Parade Monday, March 9 • 5:15 p.m.
Michael’s Mardi Gras President’s Party Monday, March 9 • 6:00 - 9:00 p.m.
This year’s convention will include a fun Mardi Gras parade for all registrants. Children will be invited to decorate umbrellas, signs, and masks to wear as they march in the parade. Jazz music, lots of beads, and a few surprises will be part of the fun! Don’t miss out on this event! No RSVP required. All registrants are invited to watch the parade! This event promises to be a memorable event for all ages!
Bring your entire family and come party - Mardi Gras style! Our Monday Night President’s Party will include the Louisiana based R&B band, River City Hit Squad. There will also be lots of great food, and lots of fun kids’ activities! No fancy Mardi Gras costumes required! Come as you are! Guests are encouraged to wear Mardi Gras colors! This will be no fancy ball, y’all - just a rip, roarin’ good time!
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THE MISSISSIPPI BANKER
MARRIOTT’S THE GRAND • POINT CLEAR, AL 2015 MYB Convention Tentative Schedule Saturday, March 7 3:30 - 7:30 p.m. Registration
Sunday, March 8 7:30 a.m. Buffet Breakfast
Exhibit Space Open During Breakfast & General Session Breaks
8:30 - 9:30 a.m. Inspirational Morning Speaker: Sister Schubert
10:00 a.m. General Session Welcome & Announcements Speaker: Freddie Bagley, MBA Chairman 11:00 a.m. Golf Assignments & Adjournment
MYB Convention Speakers
9:45 - 11:45 a.m. Spouse Event - Burlap Door Hanger Party 11:30 a.m. - Noon Annual Business Session
Freddie Bagley MBA Chairman
Noon - 1:30 p.m. Lunch Buffet 1:30 - 2:30 p.m. Ice Cream Social & Bingo 5:15 p.m. NEW! Mardi Gras Parade
Patricia “Sister” Schubert Founder, Sister Schubert’s Rolls
6:00 - 9:00 p.m. Michael’s Mardi Gras President’s Party
11:30 a.m. Golf Tournament 4:30 - 6:30 p.m. Exhibitor “Mardi Gras” Family Street Carnival *In lieu of dinner, carnival snacks & beverages will be served.
Monday, March 9 7:15 a.m. Sunrise Devotional 7:30 a.m. Buffet Breakfast
8:30 a.m. General Session Speakers: Sanjay Bhasin, FHLB Dallas President and Fred Haise, Apollo 13 Astronaut
Tuesday, March 10
8:00 a.m. MYB Executive Council Meeting Noon - 1:30 p.m. Crawfish Boil
Sanjay Bhasin, President & CEO, Federal Home Loan Bank of Dallas
6:00 p.m. President’s Reception Exhibit Space Open During Breakfast & General Session Breaks
6:45 p.m. Annual Banquet
Fred Haise Apollo 13 Astronaut JANUARY/FEBRUARY 2015
17
We’re Building A Strong Foundation
The Mississippi Bankers Association has established the MBA Education Foundation to support scholarship and financial education programs of the association and its member banks.
To learn how you can make a difference through the MBA Education Foundation, contact Mac Deaver, Secretary-Treasurer at (601) 948-6366 or mdeaver@ msbankers.com
P.O. Box 37 • Jackson, MS 39205-0037 • (601) 948-6366 The Foundation is a 501(c)(3) non-profit corporation and is eligible to receive tax-deductible contributions. Please consult your tax advisor to determine the tax deductibility of your gift.
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THE MISSISSIPPI BANKER
MBA Calendar
THE MISSISSIPPI BANKER
FEBRUARY 2 5 10 11 12 12 13 17 17 18 19 19 19 23 24 24 25 26
MARCH 2 3 4 5 6 7-11 12 13 16 19 20 24 25 27
APRIL
12-18 23
MAY
Calendar of Events Reviewing Collateral Files, Loan Doc Part 3 Health Savings Accounts Achieving Unclaimed Property Compliance: Best Practices for the Banking Industry 8 Keys to Teller Excellence IRA Advanced Seminar, Embassy Suites, Ridgeland 4 Key Steps to a Practical Business Continuity Plan in a IT World Lending Schedules, Part 1 Bank Director Training, University of Mississippi Conference Center, Oxford Understanding the New Integrated Disclosure Rules, General Rules Bank Director Training, Mississippi Sports Hall of Fame, Jackson Bank Director Training, Lake Terrace Conference Center, Hattiesburg 7 Habits for Success at Supervising Online Fraud & Cybercrime: How do you protect your bank & customers? Personal Financial Statement Analysis BSA/AML Conference, Marriott, Jackson Basic Bankruptcy for Bankers Introduction to Personal & Business Tax Returns ALERT! New W-8BEN, W-8BENE, & W-9
Analyzing Business Financial Statements Understanding the New Integrated Disclosure Rules, The New Loan Estimate New 2015 Employment ACH Risk Management & Compliance Call Report Revisions & Update, Part 2 MYB Annual Convention, Point Clear, Alabama Information Security: Risk Assessments & Incident Response Bank Director Training Analyzing Business Cash Flow Information Security: Risk Assessments & Incident Response Best Practices in Retaining, Attracting & Pricing Deposits Women in Banking Conference, Jackson Security Officer Workshop Extracting Information from an SSAE16
2015 Session of Mississippi School of Banking, Oxford Call Report, Embassy Suites, Ridgeland
13-17
Annual MBA Convention, Sandestin, FL
24-June 5
Graduate School of Banking at LSU
Visit www.msbankers.com for Registration and more information JANUARY/FEBRUARY 2015
19
‘A Banker in Every Classroom’ Below is a collection of photos that was submitted during 2014’s ‘A Banker in Every Classroom’ week, which was held November 3-7. ‘A Banker in Every Classroom’ is a project sponsored by the Mississippi Bankers Association to bring financial education to students in grades K through 12 in Mississippi’s public and private schools. In the project’s four years, more than 1,500 classroom sessions have reached approximately 45,000 students.
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THE MISSISSIPPI BANKER
5 Steps for Preparing for Effective Vendor Negotiations By Jim Wilkson An effective Vendor Management process not only satisfies regulatory requirements, it can also help you maximize your vendor relationships and save you money! In order to save money on your data processing contracts, these are a few steps that will help you prepare for effective vendor negotiations. Step 1: Vendor Management – Understand its Purpose Done right, vendor management will: • Reduce your expenses, • Help you identify and manage both threats and opportunities, • AND meet regulatory requirements. Effective vendor management starts with the selection process and continues for the life of the relationship. Bank management has an obligation to identify and understand the risks your vendors pose to your bank and a fiduciary responsibility to search for opportunities to improve both financial and service level performance from your vendor relationships. Consider each area of the bank that has a role in planning for or performing work with your vendors and be sure to involve your team members in your vendor management process on a continuous basis. Step 2: Track Contract Terms and Expiration Dates To develop an effective vendor management program, begin with an accounts payable report of those you’ve paid over the past year; then centralize related vendor contracts and document what products and services are covered. It’s also a good idea to get a vendor management system in place at this point. In addition to providing software, look for a vendor management partner
that can help you with related services on an “as needed” basis. This will help tremendously as the workload will vary at different points. Step 3: Sync up Expiration Dates When it comes to your data processing and related services, do your best to sync up the contract expiration dates. It might not seem important on the surface, but having all of your contracts for interrelated services expire at the same time can provide you additional leverage in renegotiating your contracts. A shortterm extension might be in order for some contracts in order to match them up with others. In addition, if you decide to evaluate new vendors and possibly change providers, potential early termination fees can be avoided for services being replaced that expire outside the conversion timeframe. Step 4: Provide Written Notice Not to Automatically Renew Regardless of your relationship with your vendors, it is prudent to send a written notice asking them not to automatically renew your contracts. If it isn’t in writing then it didn’t happen! Always send the letters according to the terms of each contract by certified mail and obtain and keep a return receipt.
Step 5: Take Advantage of Professionals – Enhance Your Efforts The FDIC FIL titled “Effective Practices for Selecting a Service Provider” states that banks “may wish to consider using consultants to provide expertise and assistance throughout the selection process.” Whether renewing your contracts or evaluating alternative providers, choose a consulting firm that has a deep knowledge of community banking and the providers that service banks like yours. It is best to select your consultant 12 to 24 months in advance of your contract expirations if possible. An experienced consultant can facilitate productive and professional working relationships between your bank and your vendors while helping you get the best possible services at the best possible price.
ABOUT THE AUTHOR Jim Wilkson, President, BankSamrt, has spent 35 years working in nearly every aspect of banking operations and the past fourteen committed to helping community banks make educated decisions about their technology environment and service providers. His familiarity with the service providers in the industry and comprehensive understanding of the vendor selection process has earned him a respected reputation among both clients and peers within the banking industry.
JANUARY/FEBRUARY 2015
21
Bankers on the Move
THE MISSISSIPPI BANKER
BankFirst Financial Services
Community Bank
Community Bank
Adam Cox has been promoted to community bank President of Madison. He received a bachelor’s degree in business administration from Mississippi State University. Cox also is Cox a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He has over ten years of experience in the banking and financial services industry.
Melissa Anderson has been promoted to Deposit Administration Officer for Community Bank’s Holding Company. She received a bachelor of science in business administration Anderson from Mississippi State University. Anderson joined Community Bank in 2005.
Jason Sykes has been promoted to Vice President for Community Bank’s Mortgage Division. He attended The University of Southern Mississippi where he studied finance and Sykes music. Sykes has been with Community Bank for three and a half years.
Brandy Bryant has been promoted to Branch Administration Officer for Community Bank’s office in Flowood. She attended Hinds Community College. Bryant has been with Community Bank for seven years.
Mo n d r i a Ty l e r Sheriff has been promoted to Head Teller for Community Bank’s office on Old Canton Road. She currently attends Belhaven University.
Bruff Sanders has been promoted to community bank President in West Point. He earned his bachelor’s and master’s degrees from Mississippi State University. Sanders has Sanders over 20 years of experience in the banking industry.
The Citizens Bank, Philadelphia Jay Hines has joined The Citizens Bank as Vice President & Regional Commercial Lender at the bank’s Starkville branch. He is a graduate of Mississippi Hines State University. Hines has over 15 years of commercial and consumer lending experience. David Peters has joined The Citizens Bank as Vice President & Mortgage Loan Officer of the bank’s Flowood branch. He has over 30 years of experience in the banking and financial industry. 22
Peters
Bryant
Martha Armstrong House has been promoted to Branch Officer for Community Bank’s office in Madison. She earned a bachelor of science in business administration, House majoring in management. House has been with Community Bank for 22 years. Natalie Latham has been promoted to Vice President for Community Bank’s Holding Company in the Marketing department. She is graduate of Mississippi State University Latham with a bachelor’s degree in business administration, majoring in marketing. Latham joined Community Bank in 2005.
THE MISSISSIPPI BANKER
Tyler-Sheriff
Magnolia State Bank We s R o u s e h a s joined Magnolia State Bank in Hattiesburg as Vice President and Commercial Lender. He received a bachelor of science in business administration and a Rouse master of business administration from The University of Southern Mississippi. Rouse is also a graduate of the Graduate School of Banking at LSU. He is currently a member of the Mississippi Young Bankers Executive Council.
Bankers on the Move
THE MISSISSIPPI BANKER
Trustmark National Bank John C. Adcock has been named Assistant Vice President at the Corporate Main office in Jackson. He received a bachelor of business administration in banking and finance from Adcock the University of Mississippi. Adcock has six years of experience in the wealth management industry. Leslie B. Blakeney has been named Vice President at the Corporate Main office in Jackson. She attended Hinds Community College. Blakeney has more than 30 years of experience in security.
127th Annual MBA Convention MAY 13-17, 2015
Blakeney
Tina H. Bugg has been named Senior Retail Lender and Vice President at the Corinth Main office in Corinth. She earned an associate’s degree in business from Northeast Mississippi Bugg Community College. Bugg also graduated from the Mississippi School of Banking. She has 30 years of experience in the financial industry. Colby K. Calcote has been named Vice President at the Brookhaven main office. He received an associate in arts from Copiah-Lincoln Community College and a Calcote bachelor of science in business administration from The University of Southern Mississippi. Calcote is also a graduate of The Mississippi School of Banking. He has nine years of experience in the financial industry.
Visit our website, www.msbankers.com, for more information. JANUARY/FEBRUARY 2015
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Bankers on the Move
THE MISSISSIPPI BANKER
Trustmark National Bank
Trustmark National Bank
Mary Kathryn Christian has been named Credit Analysis Officer at the Corporate Main office in Jackson. She received a bachelor’s of accountancy and master of accoun- Christian tancy from Mississippi State University. Christian has six year of experience in the financial industry.
Christina J. McCorkindale has been named Treasury Officer at the Corporate Main office in Jackson. She earned a bachelor of science in business administration and a master of McCorkindale business administration from Mississippi College. McCorkindale has over two years of experience in the financial industry.
Fenton O. Graham has been named Asset Review Officer at the Corporate Main office in Jackson. He received a bachelor of science in business administration Graham from Mid-Continent University and a master of business administration from Jackson State University. Fenton has seven years of experience in the financial industry.
Ann McDonald has been named Vice President at the Castlewoods branch location in Jackson. She graduated from Belhaven College with a bachelor of science in Management. McDonald McDonald has 24 years of experience in the financial industry.
Angela L. Harper has been named Branch Officer at the River Oaks branch in Flowood. She has 16 years of experience in the financial industry.
Harper
Stephanie Johnson has been named Assistant Vice President at the Corporate Main office in Jackson. She graduated from Jackson State University with a bachelor’s degree in Johnson business administration in accounting. Johnson has 14 years of experience in the financial industry. 24
Sarah O. McMahen has been named Vice President at the Corporate Main office in Jackson. She received a bachelor of business administration from Delta State University McMahen and a master of business administration from Millsaps College. McMahen has over 15 years in the financial industry. Jarod R. Saucier has been named Vice President at the Corporate Main office in Jackson. He graduated from The University of Southern Mississippi with a Saucier bachelor of science in business administration. Saucier has seven years of experience in the financial industry.
THE MISSISSIPPI BANKER
Trustmark National Bank Tonya L. Walker has been named Trust Officer at the Corporate Main office in Jackson. She earned an associate’s degree in history from Hinds Community College. Walker has 18 years of experience in the financial industry. Michelle Williams has been named Assistant Vice President in Jackson. She earned an associate of arts degree from Meridian Community College. Williams has 18 years of experience in the financial industry.
Walker
Williams
Are your bankers on the move?
Send your submissions to rchew@msbankers.com
May 24 - June 5, 2015
Own a Piece of Our Banking History! SPECIAL ANNIV ERSARY ISSUE
Register @ gsblsu.org
125 YEARS
Help us spread the good news about banking Traditional banking, like that practiced by our member banks, is all about supporting our communities and our state – and making a difference in the lives of our customers. Help us tell this important story. Let us know about your bank’s involvement in civic and community activities. Send us information on what you are doing. Please send articles, photos to rchew@msbankers.com or mail them to MBA at P.O. Box 37, Jackson, MS 39205-0037.
MISSISSIPPI BA
NKERS ASSO CIATION 1889 - 2014
e Hard Cover Ed ition Magazine Issu
Order While Supplies Last $24.95 Plus Shipping special magazine issue and/or
$54.95 Plus Shipping special hard cover edition
To Order:
Call the MBA Office, (601) 948-6366 or email Rachel Chew at rchew@msbankers.com
JANUARY/FEBRUARY 2015
25
MBA Classified Ads
THE MISSISSIPPI BANKER
ACCOUNTANT 1: A community
bank in east central Mississippi is seeking an accountant. CPA preferred. Perform data analysis, budgeting and forecasting for the financial institution. Develop and implement financial institution fiscal plans and policies, including asset/ liability analysis. Candidate must possess strong analytical skills. A bachelor’s degree is required and a minimum of two years’ experience in public accounting; financial institutions preferable. Pay commensurate with qualifications and experience. Reports to Chief Executive Officer. Candidates may submit resumes to rchew@msbankers.com.
BANK EXAMINER: The Depart-
ment of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. This is travel intensive examination work with the responsibility for conducting examinations of financial institutions. Duties include examination of a financial institution’s soundness, compliance with laws, and the preparation of reports of examination. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resume to roger.sinclair@dbcf. ms.gov.
COMMERCIAL BANKER: A Metro
Jackson community bank seeks a commercial banker to grow an existing loan portfolio with business development calling and networking. Banker should be experienced and have a working knowledge of the Metro Jackson Market. Successful candidates need to have the following skills and experience: originating and servicing commercial loans that include Real Estate, C & I and Private Banking; calling on customers and prospects to sell bank services and service existing accounts; active in local community organizations; well-developed interpersonal, communication and customer service skills; and be 26
adaptable, dependable and hard-working. Pay commensurate with qualifications and experience. Candidates my submit confidential resumes to rchew@msbankers.com.
COMPLIANCE OFFICER: Bank
seeks full-time Compliance Officer to work in Northeast Mississippi. Applicants should have continuous work history with two years of recent experience in compliance department of a bank. Successful candidate must be professional, exhibit good interpersonal skills (relate to customers and coworkers), and possess sound judgment. Financial responsibility to be verified. Pay commensurate with qualifications and experience. Benefits available on first of month following 60 days of full-time employment. Candidates may submit confidential resumes to rchew@msbankers.com.
CREDIT ANALYST: A community
bank in Ridgeland, MS is seeking a credit analyst to join their credit department team. The analyst will provide support to Senior Management, the Chief Credit Officer, and Lending Staff. Candidate must possess strong analytical skills that are needed to produce a uniform credit loan package to assist in making a prudent credit decision. A bachelor’s degree is required, with a background in finance, business, or accounting being strongly recommended. Pay commensurate with qualifications and experience. Interested candidates should submit resumes to ragan.hayward@statebank1898.com.
FINANCIAL CENTER MANAGER:
Bank in Gulfport seeks a Financial Center Manager. Applicants should have a Bachelor’s degree or equivalent experience. Successful candidate must have excellent verbal and written communication skills, intermediate to advanced PC skills including Microsoft Word and Excel, ability to manage multiple priorities. Applicant should have a strong work ethic
THE MISSISSIPPI BANKER
with a sense of commitment, integrity, accountability, and urgency. Applicant must also have the ability to underwrite loans and make sound credit decisions. This position will ensure all activities and work functions meet compliance requirements as defined in company policies and procedures and state and federal laws and regulations. The financial center manager will direct branch personnel to achieve goals and standards for financial performance, quality service and culture. Additionally, this position will be responsible for building deposit relationships by calling on businesses, professional groups, high net worth individuals and existing customers to solicit new deposit and loan business. The financial center manager will also solicit referrals, review existing account relationships for opportunities to meet additional needs with other products or services and make proposals as appropriate, and participating in civic and community activities to generate visibility and contacts for the bank. Will manage staff members by completing performance appraisals, coaching and developing, and conducting performance management activities. The branch manager will maintain and develop branch cultures, values and reputation in its market and with all staff, customers, suppliers, partners and regulatory/official entities. Candidates may submit resumes to ppierce@mycharterbank.com.
INFORMATION TECHNOLOGY OFFICER: A community bank in the
central Mississippi area is seeking an Information Technology Officer to oversee all aspects of the bank’s information technology operation. Responsibilities include monitoring and evaluating the overall operation of the local area network, wide area network, and the mainframe to ensure optimal performance and security. The Officer will coordinate software updates, enhancements and expansions. The Officer will coordinate information technology service, maintenance, and procurement of new equipment. The Officer
MBA Classified Ads
THE MISSISSIPPI BANKER
will be responsible for training new users on basic system operations and experienced users on new or updated hardware and software. The Officer will also be responsible for interacting with regulatory personnel concerning the bank’s information technology posture. The Bank prefers applicant with three years of experience of work in a bank’s information technology department. Candidates may submit confidential resumes to rchew@ msbankers.com.
LOAN AND BUSINESS DEVELOPMENT OFFICER:
A North Mississippi Bank is seeking a Loan and Business Development Officer for their Oxford location. The candidate should have at least five years of commercial lending and business development experience. The bank is seeking someone who has knowlege or experience in the Oxford/Lafayette Co. market. Pay commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers.com
PRIVATE BANKER: A local commu-
nity bank seeks a private banker to work in a branch location to facilitate teller transactions for private banking clients/ customers, seek and engage loan and deposit clients/customers, facilitate contract signings and closings, comply with all applicable laws, assist in the collection and creation of paperwork for processing of deposit and loan operations, complete due diligence and basic paperwork on loan applications and new account customers, return phone calls and answer questions related to the preparation of customer documents in deposit and lending operations, maintain and service a high call volume of existing and potential clients/ customers, coordinate with Deposit and Loan Operations to ensure follow up of necessary documentation, ensure customer contact and satisfaction for all banking needs. Skills/Requirements: • Previous bank experience in lend
ing and/or deposit operations • Previous experience in attorney loan closings and/or mortgage industry • PC proficiency and ability to use Microsoft products, such as Word and Excel • Ability to organize, multitask and meet deadlines • Well-developed interpersonal, communication and customer service skills • College experience is preferred Please send resume in strict confidence to jobapp@megagate.com and/or apply at the local WIN Job Center. The company is an Equal Opportunity Employer (EOE). No applicant for employment with the Company shall be subjected to discrimination because of race, color, sex, national origin, religion, disability, age, reprisal for engaging in anti-discrimination activities, protected genetic information, sexual orientation or parental status.
SENIOR LOAN OFFICER: A com-
munity bank in Meridian is seeking a Senior Loan Officer. Successful candidates will have ten plus years of lending experience, preferably in commercial/real estate. Also a successful candidate will have experience in business development and the oversight of support staff. Seeking an individual who is a graduate of the Graduate School of Banking at LSU. Candidates with knowledge or experience in the Meridian market are preferred. Opportunity for advancement within 3-5 years. Candidates may submit confidential resumes to rchew@msbankers.com.
SENIOR OPERATIONS OFFICER:
A community bank in the central Mississippi area is seeking a senior operations officer. Experience with FIS Software (Kirchman) would be helpful. This person is responsible for management and development of information technology, risk management, daily operations, budgeting, record retention, coordination of maintenance contracts and communication systems. Works closely with chief executive officer, chief financial officer and
all other management staff. Must have good management and communication skills. Must be professional, motivated and organized. Salary negotiable based on experience. Candidates may submit confidential resume to rchew@msbankers.com.
BANKER SEEKS NEW OPPORTUNITY: Relocating to Jackson area; seek-
ing employment in commercial lending. Commercial banking experience includes determining potential commercial banking needs for customers and prospects through community involvement, team prospecting, and relationship building. Background in structuring, analyzing and underwriting loans including manufacturing, health care, public finance, and commercial real estate. Excellent communication and analytical skills. For additional information, please contact rchew@msbankers.com.
FOR SALE OR LEASE: A bank building located at 792 Lake Harbor Road in Ridgeland, MS, is available for sale or lease. The building is set up for a bank (drive through and vault). For more information, call (601) 955-4430.
HOW TO CONTACT US REGARDING A CLASSIFIED AD: Contact Rachel Chew, MBA, P.O. Box 37 Jackson, MS 39205. (601) 948-6366. rchew@msbankers.com For more information on our Classified Ad Policy, please visit our website, www.msbankers.com.
JANUARY/FEBRUARY 2015
27
American Bankers Association THE MISSISSIPPI BANKER
Saluting America’s Hometown Bankers
By Gov. Frank Keating, American Bankers Association President and CEO
When we asked five bankers from five states across the country to come to Dallas last November for a film shoot, we didn’t know what to expect. The bankers were invited to Dallas -- a central location Keating -- to join members of a film crew and a cast of extras to produce a series of three television ads spotlighting “America’s Hometown Bankers.” Filming television ads means long days of multiple takes at multiple locations. The weather -- for outdoor segments -- is another variable. For our bankerspokespersons, it was unseasonably cold during the two days of filming. Yet through it all, our “talent” was patient, positive and proud to help promote the industry’s image. Representing Colorado, New Mexico, Oklahoma, South Dakota and Virginia, they showcased the
ways bankers help their customers achieve their dreams, from buying a first home to growing a small business. They spoke from their hearts about the values they share as bankers with their customers and communities every day. This aspect was not lost on members of the production company, who were amazed at the bankers’ naturalness that underscored the strength of their convictions and credibility. Our ads also highlight bank technology that makes customers’ lives more convenient and secure, from 24-hour fraud monitoring to mobile check deposits. These are messages that we know from research will resonate with consumers. We unveiled our new ad campaign during Sunday morning talk shows on ABC, CBS, CNN, Fox and NBC -- and on business and policy programs -- in December and January. The ad campaign’s three spots -“America’s Hometown Bankers,” “First
Home” and “Small Business Dreams” -- tell your story. How banking is “more than a job.” How it’s “a people business.” How you want to help a customer “realize your dreams.” You can watch the ads on aba.com. The ads’ tagline is, “We’re America’s hometown bankers, and we’re here to help you realize your dreams.” It’s a message made more powerful because our bankers believe it when they say it. I’m sure you do as well. © 2015 American Bankers Association. All rights reserved. Reprinted with permission.
Pre-Order your 2015 Bank Directory! The MBA’s Mississippi Bank Directory brings you the most up-to-date information on Mississippi’s banks. Use the directory to reach officers and directors or as a reference source to up-to-date financial data on the state’s banks. The directory includes: • • • • • • •
Mississippi commercial banks and branches by city/town Addresses, Phone numbers, Web sites and email addresses Routing numbers MBA Affiliate members Banking and trade organizations State and federal regulatory agencies Key state elected and appointed officials
$35
Pre - Order Today!
Visit www.msbankers.com or call (601) 948-6366 28
THE MISSISSIPPI BANKER
is now on Social Media! FOLLOW US: @msbankers
@mississippibankers
Mississippi Bankers Association
125 CONGRATULATIONS MISSISSIPPI BANKERS ASSOCIATION
For your 125 years of service to Mississippi bankers. Hederman Brothers would like to offer a very sincere note of congratulations to our friend and long time partner, the Mississippi Bankers Association, on their landmark celebration of 125 years of service to the state of Mississippi.
500 Steed Road Ridgeland, Mississippi 39157 601.853.7300 1.800.844.7301 www.hederman.com
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