The Mississippi Banker - March April 2015

Banker THE MISSISSIPPI

.bank

What you need to know about the new web domain

VOLUME 99 • NUMBER 5 MARCH/APRIL 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

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

The official publication of the Mississippi Bankers Association Rachel Chew • Editor Volume 99 • Number 5 • March/April 2015

Features ABA Insurance ........................................................................... 6 17 Mississippi banks receive annual distributions

Why .BANK?...........................................................................8-9 A breakdown on what .BANK is and frequently asked questions

MYB ‘Day at the Capitol’.....................................................12-13 Educating bankers on the importance of the legislative process

MBA Endorsed Products and Services....................................... 14 Delivering value, savings to member banks

2015 MYB Convention........................................................16-19 Over 450 attend ‘Mardi Gras Mambo’

Departments From the President...............................................................................................................2 Around the State.............................................................................................................. 3-4 Calendar............................................................................................................................21 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....................Parker England, Greenville Vice President...........Kent Mortimer, Kilmichael Treasurer.........................Wes Rouse, Hattiesburg

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

MARCH/APRIL 2015

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From the President

THE MISSISSIPPI BANKER

‘Cooking from scratch’

By Mac Deaver, MBA President

Every spring, you are likely to hear me comment about how busy “we” are at the MBA. With the Legislature in session, two conventions (“Junior Bankers” in March and “Senior Deaver Bankers” in May), the Mississippi School of Banking in April, and all of the “regular stuff” going on, our association schedule is crowded from January through May each year. Adding to the fun is the start of a new budget year and the transition to new MBA leadership at the convention. (And this year is election year in Mississippi.) Yes, it is a busy time at the ol’ association.

The MBA has always relied on its staff to manage association events and activities; we don’t retain outside firms to do this. This “cooking from scratch” approach can create a downright hectic pace for the staff, but there is a method to our madness. I have long observed that by planning and executing our own programs, the MBA is more responsive and effective for its members. This approach requires our staff to work closely with each other – and with our bank members. It fosters teamwork and cooperation, and it creates an accountability factor among team members. I believe it results in a more member-driven and successful association.

Virtually everything we do is “cooked from scratch” in the MBA kitchen. This includes our conventions, conferences and schools, publications, committee and membership meetings, lobbying, administering our group insurance program, consumer education, and many other activities.

The MBA benefits tremendously from the involvement and guidance of our bank members. Our staff spends lot of time 2

communicating with you to make sure our activities focus on what is important to you. We are blessed to have association leaders who willingly serve, and who have great support from their banks in doing so. The working relationship between our leadership, membership and staff serves our association very well.

One example of “cooking from scratch” is The Mississippi Banker. For over 100 years, this magazine has been published regularly to keep our Mississippi bankers informed about issues and news in our industry and association. Since 1914, every issue has been written, edited and produced by the staff, with the support of bankers, Affiliates and advertisers. I am convinced that this helps make The Banker a better publication that is responsive to our member banks.

Another example is the MBA’s government relations program. On a continuous basis, the leadership and staff work to stay abreast of banking issues and to learn which issues are most important to our member banks. We stay in touch with legislators and other officials in Jackson and Washington, and we conduct meetings with our Board, committees,

THE MISSISSIPPI BANKER

and membership to set our government relations agenda. Then, with the help of our bank members, the staff advocates MBA positions directly to policymakers.

We do not rely on outside lobbyists to speak for us. Lobbying this way – “from scratch” – requires involvement from by a lot of people, but this has proven to be very effective.

Right now, a major focus is preparation for the 2015 MBA Convention.

Our entire staff is busy gearing up for the MBA’s 127th annual “family reunion” May 13-17 at Sandestin. The office is buzzing with activity as we plan events, take registrations, sign up sponsors and exhibitors, make arrangements for speakers and entertainers, and produce convention materials – among other things. We are getting great support from our members and Affiliates in dealing with a myriad of matters. Excitement is in the air as we “cook up” another great convention.

I hope you will be joining us in Destin to see what we’ve “cooked up” for this year’s convention! I look forward to seeing you there as we celebrate the past year and prepare for a great future.

See what kind of fun we have “cooked up” this year!

Above: 2014 Grand Prize Giveaway winners with “Seymour” the University of Southern Mississippi mascot.

2015 MBA Convention May 13-17 Sandestin

Around the State

THE MISSISSIPPI BANKER

Cannon nominated For election to BancorpSouth’s Board of directors BancorpSouth, Inc. recently announced the Company’s Board of Directors has nominated Deborah M. Cannon of Houston, Texas for election as a director of BancorpSouth at Cannon the annual meeting of shareholders. Cannon serves as President and CEO of the Houston Zoo, Inc., and is a former Executive Vice President of Bank of America.

Dan Rollins, BancorpSouth Chairman and Chief Executive Officer, commenting on Cannon’s nomination for election, said, “BancorpSouth is extremely proud to have this highly respected business and public service leader stand for election to the BancorpSouth Board of Directors.”

Hassell Franklin, BancorpSouth Lead Director and Chairman of the Nominating and Corporate Governance Committees, added, “We are pleased that Deborah Cannon, upon her election to the board, will be providing her business acumen, leadership and counsel to BancorpSouth.”

Prior to being recruited to bring a business focus to the Houston Zoo, Cannon served 30 years with Bank of America in a range of management positions.

Cannon attended Georgetown University and graduated from Southern Methodist University with a BBA and a major in finance. Active in community service, she has served on more than 16 nonprofit boards.

First American National Bank of Iuka Names Brown interim CEO The board of directors of First American National Bank of Iuka recently named Lugie Brown as interim CEO. Brown brings experience as a lender, credit administrator, Brown chief risk officer, business resumption, appraiser, core system security, mortgage origination and physical security officer to the position of CEO. Brown has been in banking 36 years and began his career with First American in 2003. He holds a master’s degree

from the University of Tennessee and a bachelor’s degree from Mississippi State University. He is also a graduate of Mississippi School of Banking, Tennessee Consumer Lending School and Mississippi Appraisal Institute.

Brown is currently Chairman of the Board of Directors for Baptist Memorial Hospital – Union County. He and his wife Helen live in New Albany and have 2 children and 5 grandchildren.

The Browns are members of First Baptist Church in New Albany where Brown is a deacon and Sunday School teacher.

Neely joins Magnolia State Bank’s As board member, consultant Magnolia State Bank welcomes Joseph (Joe) H. Neely as a member of the board of directors and as a consultant.

Neely brings extensive experience as a banker and state and federal Brown regulator to Magnolia State Bank.

Neely attained both a bachelor of science in business administration, majoring in finance, and a masters in business administration from The University of Southern Mississippi.

Neely is the only Mississippian ever appointed to serve on the board of directors of the Federal Deposit Insurance Commission in Washington, D.C. Following his appointment by President Bill Clinton, he served on the FDIC board from January 1995 to October 1998. He was confirmed by the U. S. Senate, with the support of Mississippi Senators Thad

Cochran and Trent Lott. Prior to assuming his FDIC board duties, he served as Commissioner of the Mississippi Department of Banking and Consumer Finance, by appointment of Governor Kirk Fordice in April 1992.

After leaving his position with FDIC, Neely returned to Mississippi where he was the founding CEO of Mississippi National Bankers Bank in 2000. In 2011, FNBB consolidated its operations in four states, and Neely continued to serve as president of the Mississippi Region. Neely announced his retirement in 2014.

Thomas Brown, Chairman of the Board of Magnolia State Bank, stated, “It is a unique opportunity for our bank to have someone of Joe Neely’s qualifications and experience serve both on our board and as a consultant. In today’s banking environment, with increasing governmental imposed regulatory issues, it is an absolute necessity that a bank surround itself with professional bankers.”

MARCH/APRIL 2015

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Around the State

THE MISSISSIPPI BANKER

Guaranty Bank & Trust Company Elects Gorton to board of directors Huey Townsend, Chairman of the Board of Guaranty Bank & Trust Company, announced that Dr. S. Carlton Gorton has been elected to the Board of Directors of Gorton the bank and its holding company, Guaranty Capital Corporation.

According to Townsend, “Dr. Gorton has always been an ardent supporter and promoter of the bank. As an active citizen in the community, I am confident he will be a great addition to the Board and will

add significantly to the direction of the company going forward.”

Dr. Gorton, a lifelong resident of Belzoni, graduated from the University of Mississippi. He completed his medical training at the University of Mississippi Medical School and currently practices at Gorton Clinic in Belzoni where he is certified in Internal Medicine and Pediatrics.

Married to the former Mary Katherine Turner, they have two children, Caleb and Olivia Grace. Dr. Gorton attends First Presbyterian Church in Belzoni where he serves as a deacon.

Four complete Leadership Program At Merchants & Marine Bank Four bankers have completed Merchants & Marine Bank’s yearlong Leadership Development Series, a challenging curriculum designed to equip them for present and future growth within the bank and the community. The announcement was made by Henry Fox, Executive Vice President.

Lisa Adams, Loan Depart- The four graduates of Merchant & Marine Bank’s ment Manager; Lauren Faucett, Leadership Program.

Cash Management Officer; Leigh Rayburn, Gautier Branch Operations Manager; and Monica Stork, Card of Ocean Springs.

Fox commented on the achievement of Services Supervisor participated in four quarterly sessions and completed addi- the bankers, “Part of our strategic plan is tional assignments designed to improve to make sure we continue to be a financial their abilities to handle both task and and civic leader in our communities. We people related responsibilities. The series challenge all of our employees to look for was jointly conducted by four bank execu- ways to grow, and this program is an adtives and Faircloth Performance Partners ditional step in focusing on specific skills.”

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THE MISSISSIPPI BANKER

Trustmark Announces the Retirement of Vaughn-Furlow Tr u s t m a r k has announced the retirement of Executive Vice President and Human Resources Director, Rebecca (Becky) Vaughn- Vaughn-Furlow Furlow. She has dedicated more than 50 years of service to Trustmark.

Vaughn-Furlow was named Trustmark’s Human Resources Director in 1995. Prior to this role, she held several positions in the company throughout her career.

“We are grateful to Becky for her years of service to Trustmark. During her tenure, she provided exemplary leadership and made significant contributions to the operations of the company,” Trustmark CEO Jerry Host stated. “Her work has provided a strong foundation for our continued growth and success.”

Vaughn-Furlow was recognized as one of Mississippi’s 50 Leading Business Women and was a finalist for the Mississippi Business Woman of the Year award. She was also a recipient of the Woman of Achievement Award from the Girl Scouts of America.

Vaughn-Furlow graduated from the University of Colorado School of Bank Marketing, studied at the Graduate School of Banking at the University of Wisconsin and completed the Graduate School of Banking at LSU.

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17 Mississippi banks share $18,000 in distributions From ABA Insurance Program $1.1 Million distributed to banks nationwide

American Bankers Mutual Insurance Ltd., the reinsurer for the D&O and bond insurance program endorsed by the American Bankers Association and the Mississippi Bankers Association, will distribute $1.1 million to be shared by qualified ABA member banks insured through ABA Insurance Services Inc. 17 Mississippi banks will share nearly $18,000.

This declaration marks the 25th consecutive year that the industry’s leading professional liability insurance provider has declared distributions to eligible ABA member banks, bringing the total to $80.1 million in declared distributions since the program’s inception. Over $2.4 million of that has been shared with Mississippi banks. Banks that purchase their directors and officers, bond and related insurance

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from this program and are current members of the ABA are eligible to receive a distribution.

“The ABA-endorsed insurance program is a unique and valuable ABA member resource,” said Frank Keating, ABA president and CEO. “It’s the banking industry’s only professional liability insurance mutual company owned by the insureds – our participating ABA member banks. Further, they can have peace of mind with coverage from an A+ rated insurance carrier (A.M. Best), and the

THE MISSISSIPPI BANKER

distributions when declared are a valueadded and appreciated benefit.”

“Offering our industry a source of stable and reliable mission-critical insurance continues to be the hallmark of the ABA-endorsed insurance program,” said Steve Wilson, chairman of American Bankers Mutual Insurance Ltd. and chairman and CEO, LCNB National Bank in Lebanon, Ohio. “The board of directors of American Bankers Mutual Insurance is pleased to announce a distribution of $1.1 million – the 25th consecutive year a distribution has been declared to be shared by eligible ABA member banks – helping to demonstrate the continuity of the program’s strength and commitment to the banking industry.”

MBA 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 Oxford Bank Oxford

Group 6

Robert Gage RiverHills Bank Port Gibson

Group 3

Bobby Steinriede Guaranty Bank & Trust Hollandale

Group 6

Buddy Mortimer Bank of Kilmichael Kilmichael

Group 7

Alan Walters First Commercial Bank Jackson

Gordon Fellows Amy Davis Mac Deaver President Sr. Vice President Vice President Govt. Relations Operations

Group 4

James Wicker

Pike National Bank

McComb

Group 7

Brad Jones Bank of Franklin Meadville

MBA Staff

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Gail Sykes Business Mgr.

Group 5

Group 5

Bill Freeman Lorann Paige Newton County Bank Magnolia State Bank Newton Bay Springs

Group 8

Group 8

Wes Fulmer The Peoples Bank Biloxi

Sherell Taylor Manager of Ins. Services

Greg Cronin Charter Bank Biloxi

Rachel Chew Manager of Communications

Amber Parker Administrative Assistant

MARCH/APRIL 2015

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Preparing for .BANK

ABA provides information on new web domain Thousands of new domains – including .BANK – are making their way to the Internet. The American Bankers Association partnered with banking industry participants to establish fTLD Registry Services to operate .BANK and ensure that it is governed in the best interests of banks and their customers. Only verified members of the banking community will be able to register .BANK domains.

According to the ABA, the .BANK domain will be “the recognized global platform for growth and innovation in the financial services industry” from which “banks can securely and effectively communicate with customers, stakeholders and regulators.”

The ABA website – www.aba.com – provides detailed information about .BANK. On the website, bankers can view a webinar entitled “Are you ready for .BANK?” and see a timeline for registration and activation, a list of registrars, and see answers to frequently asked questions.

Presented below are selected FAQs from the ABA website. For more FAQs and additional information, visit www.aba.com.

Why .BANK?

.BANK will be a protected, trusted, more secure and easily identifiable space on the Internet for the global banking communities and the customers it serves.

The .BANK gTLD will have enhanced security requirements that exceed that of most existing and new gTLDs. [See www.aba.com for details.] In addition, it opens up much needed real estate on the Internet, providing new marketing and branding opportunities.

This information was gathered from the ABA website, www. aba.com.

For more information on .BANK or questions, contact the following: • Doug Johnson, (202) 6635059, djohnson@aba.com • Sam Lisker, (202) 6635581, slisker@aba.com

When can I purchase my .BANK domain?

General Availability for .BANK is estimated in June 2015. Before General Availability, there will be Sunrise and Founders Periods. See www.aba.com for details on the registration periods.

(if applicable) • Regulatory ID Number (if applicable) Note: the Registrant Contact must be a full-time employee of the Registrant and cannot be a contract employee.

How does the .BANK verification process work?

fTLD has contracted with Symantec to ensure that registrations are made only with organizations that meet the eligibility requirements and verification is performed at the time of initial registration and at each renewal or every two years, whichever comes first.

What are the registration periods in .BANK?

The three registration periods in .BANK are Sunrise, Founders and General Availability. Domains will be awarded on Where can I purchase my a first-come, first-served basis in all registration periods as this is the most fair and .BANK domain?

Domains may be purchased from equitable allocation method. Please see fTLD’s approved registrars. See aba.com the estimated Timeline for the following: Sunrise: May 18-June 17, 2015. For for a complete list of registrars. eligible members of the global banking What does a .BANK domain community that have registered their trademark with ICANN’s Trademark cost?

Clearinghouse to register domains. For ANK registrars are responsible for more information about the Trademark setting their domain registration fee. Clearinghouse, see aba.com.

Domain registration fees will vary from Founders: For founding members of registrar-to-registrar based on a number fTLD. Founders are identified on the of factors including additional services Endorsers’ on aba.com. they may offer to registrants. fTLD is reGeneral Availability: June 24-Ongosponsible only for setting the fee it charges ing. For eligible members of the global to registrars and it is the same fee for all. banking community to register domains.

What information is required Can my company pre-regisWho is eligible for a .BANK to register a .BANK domain? ter for a .BANK domain? domain?

Registrants must provide the following Only verified members of the global banking community are eligible to register domains. For banks it will include charter verification by the registrant’s regulator.

Please see the .BANK “” on www.aba.com for eligibility requirements.

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information: • Legal Name of the Eligible Registrant (the organization name) • Registrant Contact Name • Registrant Contact Address (Street, City, State/Province/Region, Postal Code) • Registrant Contact Email Address • Registrant Contact Telephone Number • Government Regulatory Authority

THE MISSISSIPPI BANKER

No. There are companies unrelated to fTLD that will try to sell “pre-registration,” but there is no such thing for .BANK. The only registrations that will take place before General Availability will occur during the Sunrise and Founders periods.

Once I register our .BANK domain, do I immediately need to stop using my current domain name?

•

No. You can continue using your current domain. If you plan to activate your .BANK domain, you can use the .BANK Transition Guide (Guide) to help you plan the use of your .BANK domain. You may also want to consider initiating a plan for your transition to your .BANK domain as soon as you know what new .BANK domain you will be using. The Guide is currently under development and will be available soon. Once the Guide is available, you should have the information you need to plan the details for using your .BANK domain.

•

• •

•

The ABA suggests the following action items for banks to be doing now: •

Organize a team with Marketing, Legal and IT to plan your .BANK

strategy.

Determine which and how many domains you are going to register. See “Common Community Names” on aba.com to see names unavailable for registration.

Determine if your trademarks are eligible for inclusion in ICANN’s Trademark Clearinghouse and consider filing to protect them.

[Inquire of Trademark Clearinghouse.]

Discuss your strategy with your core processor and online banking provider.

Research and compare the pricing and features offered by each registrar prior to selecting one for your bank.

Contact a registrar to determine if they offer a “pre-screening” process that will set up an account and collect application information early.

Go to www.ftld.com to find more detailed information.

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MISSISSIPPI SCHOOL OF BANKING April 3-9, 2016 Applications will be available September 1, 2015

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127th Annual MBA Convention May 13-17, 2015 Join us at

in Destin for our annual ‘family reunion’ of Mississippi banking!

Registration materials can be found on our website, www.msbankers.com.

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THE MISSISSIPPI BANKER

RANDALL, SEGREST &WEEKS, PLLC is pleased to announce BRADLEY M. REEVES and BENJAMIN P. SONES have joined the firm and the name of the firm has changed to RANDALL, SEGREST, WEEKS, REEVES & SONES, PLLC and D.J. HORECKY and AARON R. EDWARDS are now associated with the firm Of Counsel.

The firm is also pleased to announce the opening of offices at 1900 Lakeland Drive, Jackson and 301 Webster Circle, Madison Areas of Practice Bank Regulatory and Compliance Business and Corporate Law Commercial Real Estate Commercial Litigation Construction Law

Eminent Domain and Condemnation Foreclosures and Workouts Mergers and Acquisitions Residential Real Estate Wills and Estates

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992 Northpark Drive, Suite A Ridgeland, Mississippi 39157

1900 Lakeland Drive Jackson, Mississippi 39216

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MBA Legislative Update THE MISSISSIPPI BANKER

‘MYB Day at the Capitol’

Providing young bankers with opportunity to better understand The importance of the legislative process to banking industry On February 24, the MBA’s Mississippi Young Bankers Section held the first ever “MYB Day at the Capitol.” More than 20 young bankers representing 18 individual banks braved ice and inclement weather to spend a day at the State Capitol in Jackson learning about how the legislative process can impact the banking industry and how the MBA works to express industry concerns to state lawmakers during the annual legislative session.

The day started with a briefing at the MBA office, where MBA Chairman Freddie Bagley explained the importance of banker involvement in government relations and grassroots activism to attendees. Chairman Bagley encouraged attendees to work to build relationships

of Government Relations Gordon Fellows discussed a number of priority issues for the association expected to be debated by the legislature in the coming days. In particular, bankers were told that due to legislative deadlines that would be coming up that week, much of the talk at the Capitol that day would be centered on tax cut proposals.

After the briefing concluded, the MYB group walked to the State Capitol and observed the morning session of the State Sen. Tommy Gollott (left) speaks with Karen Senate, where Senator Gary Jackson, Arguelles and Diana Robison of Peoples Bank, Chairman of the Senate Committee on Biloxi, during “MYB Day at the Capitol.”

Business and Financial Institutions, recwith local government leaders throughout ognized the group. their careers. As part of the briefing, MBA President Mac Deaver and Vice President Continued on page 13

Thank you to all of the banks that participated in our first-annual MYB Day at the Capitol

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Bank of Commerce

Farmers & Merchants

Planters Bank & Trust Company

Bank of Forest

First Security Bank

PriorityOne Bank

Bank of Kilmichael

Great Southern National Bank

Renasant Bank

BankPlus

Hancock Bank

The First, A National Banking Association

Citizens Bank, Columbia

Magnolia State Bank

The Peoples Bank, Biloxi

Community Bank of MS

Oxford University Bank

The Peoples Bank, Ripley

THE MISSISSIPPI BANKER

After the Senate adjourned, some of the bankers were able to meet with their local legislators before attending a press conference held by Speaker of the House Philip Gunn to introduce his income tax cut package. Following the press conference, the group had a private meeting with Speaker Gunn to learn more about the legislative process and the importance of political involvement.

Senator Jackson and Representative Hank Zuber, Chairman of the House Committee on Banking and Financial Services, joined the group for lunch.

Afterwards, the group attended a Senate Finance Committee meeting. During the meeting, the committee debated and approved a proposed franchise tax cut bill, a priority bill for the MBA. Bankers then moved to the House gallery and watched the House debate

a number of different bills, before attending the final meeting of the day with Commissioner of Banking and Consumer Finance Charlotte Corley and Deputy Commissioner Rhoshunda Kelly.

Bankers discussed a number of recent regulatory developments with the commissioner and deputy commissioner.

The MBA and MYB hope to continue to host similar events coinciding with future legislative sessions. Bankers MBA Chairman Freddie Bagley speaks during meeting with who are interested in finding DBCF Commissioner Charlotte Corley. out more about “MYB Day at the Capitol� are encouraged to contact Gordon Fellows at gfellows@ msbankers.com or by calling the MBA office at (601) 948-6366.

MARCH/APRIL 2015

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Products and Services

THE MISSISSIPPI BANKER

MBA endorses products, services Thumbprint Signature Program The MBA is one of a number of state banking associations that endorse the Thumbprint Signature Program, which originated with the Texas Bankers Association.

This program allows all banks to participate in a unified effort to combat crime by obtaining fingerprints of non-customers who cash checks and make other transactions.

The program offers "inkless ink" pads for purchase through the MBA. The purchase of these pads is the only cost to banks. To order, contact Amber Parker at the MBA office, (601) 948-6366 or visit our website, www.msbankers.com/ endorsedproducts.

Senior Crimestoppers Program Since 1999, the Memphis-based Senior Housing Crime Prevention Foundation has served as a conduit for banks to earn no-risk Community Reinvestment Act credit while achieving above-market yields and helping to fight a problem that plagues our society - the exploitation and abuse of nursing home residents. The mission of SHCPF is to promote a safe, crime-free, high quality of life for residents of nursing homes and other senior housing facilities through its Senior Crimestoppers Program. Banks support this mission by making CRA-creditworthy loans and investments in their communities. By participating in the Senior Crimestoppers Program, Mississippi’s banks can join the banks of 45 other states where this program has proven to reduce crime against nursing home residents by over 14

90%. Through endorsement of the Senior Crimestoppers Program, the MBA has adopted the mission of nursing homes and senior housing facilities in their communities. To speak to a Senior Crimestoppers representative, contact George Clinard at (877) 232-0859.

FraudNet FraudNet is a secure online network that serves as a valuable tool for financial institutions and law enforcement in fighting financial crimes.

Users of FraudNet share reports of incidents of fraud, robbery and other activity - and they monitor activities reported by others. Reports can be tracked by sorting according to type of activity, geography or other categories. The MBA provides FraudNet free of charge to all member banks and to law enforcement agencies.

Since the MBA endorsed FraudNet in 2005, over 80 financial institutions and over 60 law enforcement agencies have used the program. For more information, contact Brooke McCoy at the MBA office, (601) 948-6366 or visit our website, www. msbankers.com/endorsedproducts.

ABA-Sponsored Insurance Program For over a quarter century, the ABAsponsored Insurance Program has provided directors and officers, bond and related coverages to

THE MISSISSIPPI BANKER

participating banks. Banks that participate in this MBA-endorsed program become eligible to receive profit-sharing distributions. Since the inception of the program, more than $80.1 million has been distributed to banks nationwide.

(See story on Page 6.) For more information about ABA Insurance Services, call 800-274-5222, visit www.abais. com.

MBA-Sponsored Insurance Group Programs The MBA-sponsored medical insurance program provides a stable source for member banks in providing health benefits to their employees. Coverage is provided by the Mississippi Bankers VEBA Plan & Trust, a self-funded program which offers individual, two-party and family coverage through five different plans, each different benefits, deductibles and premium levels. MBVEBA is governed by a Board of Trustees, made up of senior executives of Mississippi banks participating in the program. The MBA provides administrative support to participating banks, while Blue Cross and Blue Shield of Mississippi handles claims administration.

Presently, 52 Mississippi banks with 2,679 covered employees participate in the MBA-sponsored medical insurance program. In addition to medical insurance, the MBA offers fully-insured dental, vision and other plans at group premium rates to member banks. For more information on any of these plans, contact Sherell Taylor, MBA manager of insurance services, at the association office. Or you may contact Stockett & Thomas Agency, marketers of the medical insurance program, at (601) 948-3733.

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TALK TO A RELATIONSHIP MANAGER ABOUT YOUR BANK’S NEEDS. CALL 800-453-7686 OR EMAIL CORRESPONDENTSERVICES@FTB.COM © 2015 First Tennessee Bank National Association. Member FDIC.

MARCH/APRIL 2015

15

MYB Convention Recap THE MISSISSIPPI BANKER

“Mardi Gras Mambo” draws almost 500 to MYB Convention and Study Conference Almost 500 attended the 2015 MYB Convention and Study Conference, held March 7-11 at Marriott’s Grand Hotel in Pt. Clear, Alabama. The theme of this year’s convention was “Mardi Gras Mambo with the Krewe of MYB.” MYB President Michael Schloegel of Hancock Bank in Gulfport presided over the convention, which was highlighted by the election of new officers and councilmen and the presentation of scholarships sponsored by MYB and MBA Education Foundation. The 2015 convention featured a number of fun and theme-related events designed to promote fellowship among the bankers and families in attendance.

The convention opened with an Inspirational Morning on Sunday, March 8. This session featured a performance

by Magician Dorian LaChance and a

presentation by Patricia “Sister Schubert” Barnes. Additional general session speakers included MBA Chairman Freddie Bagley, Apollo 13 Astronaut Fred Haise, and FHLB of Dallas’ Kalyan Madhavan.

During the convention, two annual scholarships were awarded. Tanner Shaw of The University of Southern Mississippi was named the 2015 Swayze Scholar and was presented a $5,000 award. The Merit Scholarship was awarded to Riley Davis.

The scholarship awards were presented at the Annual MYB Banquet by Marc Petro, chairman of the MYB Scholarship Committee. (More information on the Swayze Awards and Merit Scholarship can be found on page 18).

Parker England of Planters Bank & Trust Company was elected MYB President for 2015-16 during the annual business session on Monday, March 9. The

membership also elected Kent Mortimer of Bank of Kilmichael, Kilmichael, as MYB Vice President, and Wes Rouse of Magnolia State Bank, Hattiesburg, as MYB Treasurer for the new year. (A complete list of newly elected officials and councilmen can be found on page 17).

“Sister Schubert” speaks during the “Inspirational Morning” on Sunday, March 8.

MBA Chairman Freddie Bagley addresses bankers at MYB Convention.

Apollo 13 Astronaut, Fred Haise, was a featured speaker during convention.

Kalyan Madhavan of Federal Home Loan Bank of Dallas provides a presentation to bankers at convention.

MYB President Michael Schloegel of Hancock Bank presides over convention general sessions.

65th Annual

g Bankers Mississippi Youn

ERENCE STUDY CONF TION & CONVEN March 7-11, 2015 d Hotel Marriott’s Gran bama Point Clear, Ala

16

THE MISSISSIPPI BANKER

MYB Convention Recap

THE MISSISSIPPI BANKER

Young Bankers elect new officers, councilmen At the 2015 MYB Convention, Parker England of Planters Bank & Trust Company in Greenville was elected MYB President for the coming year. Other MYB officers elected included Kent Mortimer (vice president) of Bank of Kilmichael in Kilmichael and Wes Rouse (treasurer) of Magnolia State Bank in Hattiesburg.

Michael Schloegel (immediate past president) of Hancock Bank in Gulfport, and Matt McCraw (retiring past president) of First Security Bank in Batesville remain on the council.

Newly elected MYB Councilmen are

Justin Bobo of DeSoto County Bank in Southaven, Jerome Brown of The First in Hattiesburg, Adam Cox of BankFirst Financial Services in Madison, and Jennifer Swoope of BancorpSouth in West Point. They join returning councilmen Rebecca Barrentine of Copiah Bank, N.A. in Hazlehurst, Michael Gibson of Great Southern National Bank in Meridian, Dexter Haynes of Farmers and Merchants Bank in Baldwyn, and Zach Luke of Bank of Commerce in Greenwood.

Incoming MYB President, Parker England (left) of Planters Bank & Trust Company in Greenville accepts the gavel from outgoing president Michael Schloegel of Hancock Bank in Gulfport.

2015-2016 MYB OfďŹ cers: (L to R) Kent Mortimer (Vice President), Bank of Kilmichael, Kilmichael; Parker England (President), Planters Bank & Trust Company, Greenville; and Wes Rouse (Treasurer), Magnolia State Bank, Hattiesburg.

2015-2016 MYB OfďŹ cers and Councilmen: BACK ROW (L to R): Dexter Haynes, Farmers and Merchants Bank, Baldwyn; Justin Bobo, DeSoto County Bank, Southaven; Zach Luke, Bank of Commerce, Greenwood; Jennifer Swoope, BancorpSouth, West Point; Michael Gibson, Great Southern National Bank, Meridian; Adam Cox, BankFirst Financial Services, Madison; Rebecca Barrentine, Copiah Bank, N.A., Hazlehurst; Jerome Brown, The First, Hattiesburg; and Matt McCraw, First Security Bank, Batesville.

FRONT ROW (L To R): Michael Schloegel, Hancock Bank, Gulfport; Brooke McCoy, Mississippi Bankers Association, Jackson; Kent Mortimer, Bank of Kilmichael, Kilmichael; Parker England, Planters Bank & Trust Company, Greenville; Wes Rouse, Magnolia State Bank, Hattiesburg; Mac Deaver; Mississippi Bankers Association, Jackson; and Ken Cyree, University of Mississippi, Oxford.

MARCH/APRIL 2015

17

Tanner Shaw named 2015 Swayze Scholar Tanner Shaw, a senior at the University of Southern Mississippi, was named the 2015 Swayze Scholar on March 10 at the Mississippi Young Bankers Convention.

Shaw received the Swayze Medallion and a cash award of $5,000 from MYB and the MBA Education Foundation.

The Orrin H. Swayze Scholastic Awards have recognized outstanding college seniors studying banking at Mississippi universities since 1979. The annual awards bear the name of Orrin H. Swayze, who was a widely respected Mississippi banker and a pioneer in banking education. Among other things, Swayze was the founding director of the Graduate School of Banking at LSU. Each year, college seniors studying banking and finance at Mississippi’s public universities are nominated by their professors as candidates for the Swayze Awards.

The MYB Scholarship Committee selects five finalists and, during the MYB Convention, conducts interviews and names the Swayze Scholar.

This year’s Swayze Finalists included Jeremy Blackburn, Mississippi State University; Lisa Harbour, University of Mississippi; Kenneth McCarty, University of Southern Mississippi; and Nicolas Zogaib, University of Southern Mississippi. They were recognized at the MYB banquet on March 10 and awarded cash awards of $1,500 each.

The Swayze Awards represent one of a series of scholarship awarded each year through the cooperative efforts of MYB and the MBA Education Foundation. A committee of bankers evaluates nominees and makes the awards. This year, Marc Petro of Community Bank, Jackson, served as chairman of the Scholarship

Tanner Shaw, University of Southern Mississippi, is the 2015 Swayze Scholar.

Committee. He was joined on the committee by Rebecca Barrentine of Copiah Bank, N.A., Hazlehurst; Michael Gibson of Great Southern National Bank, Meridian; and Diana Robison of Peoples Bank, Biloxi.

BACK ROW: Swayze Advisors (L to R): Dr. Steven Stelk, University of Southern Mississippi; Dr. Wayne Kelly, University of Southern Mississippi; Dr. Ken Cyree, University of Mississippi; and Dr. Kathleen Thomas, Mississippi State University.

FRONT ROW: Swayze Scholar and Finalists (L to R): Nicolas Zogaib, University of Southern Mississippi; Kenneth McCarty, University of Southern Mississippi; Tanner Shaw, Swayze Scholar, University of Southern Mississippi; Lisa Harbour, University of Mississippi; and Jeremy Blackburn, Mississippi State University.

Riley Davis is awarded the Merit Scholarship Riley Davis, a senior at Columbia High School, was awarded the 2015 Merit Scholarship on March 10 during the MYB Convention. Davis received a cash award of $1,500.

The Merit Scholarship is given each year by MYB and the MBA Education Foundation to a deserving Mississippi high school senior whose parent is employed by an MBA member financial institution. Davis is the daughter of Scott and Carol Davis of Columbia. Mr. Davis serves as executive vice president and chief operating officer of First Southern Bank in Columbia.

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THE MISSISSIPPI BANKER

Riley Davis is the 2015 Merit Scholarship Recipient.

e Carter Tracie Rouse, Brittany Mortimer, Ashley Schloegel, Magician d, Chanc l Golf and Frankie England participated in the Spouse Gras Fa Dorian LaChance perfo n la g n E r rms at the M mily Fun Ca e annua tt, Parke ardi rnival at MY Event.

Don Triple Lunceford play in th B Conventio y n. . le n d o ti n e v n and Bra o C nt at MYB Tourname

,A

x Tisha Co

oope. (L to R): Peggy Schloegel, Fred Haise, Chis Roberts, Lisa Roberts, George Schloegel, and MYB President Michael Schloegel pose for a photo at the carnival.

nnifer Sw

x and Je dam Co

el Children and MYB officers and councilmen particiSchloeg l e pated in a Mardi Gras parade prior to the President’s a h ic nd M dent’s Party.

Ashley a hoto at the Presi ap pose for Party.

A baby kang aroo was ju st one of ma the Mardi G ny attractions ras Family Fu at n Carnival.

Children at MYB Mardi Gras Fami ly Fun Carnival watching magicia n Dorian LaChance perform.

MARCH/APRIL 2015

19

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.

20

THE MISSISSIPPI BANKER

MBA Calendar

THE MISSISSIPPI BANKER

Calendar of Events APRIL 2 3 6 7 8 10 12-18 13 13 14 15 17 20 21 23 23 24 27 28 29 30

MAY

Understanding the Different Payment Systems Top Trends for Community Banks You’ve been sued: Is your institution defensible?

Oil & Gas Lending 2015 Notary Skills for Bankers - Part 1 Top Trends for Community Banks 2015 Session of Mississippi School of Banking, Oxford EMV Chips & Pin Introduction to ACH Lending to Municipalities Notary Skills for Bankers - Part 2 Coaching Sticky Situations & Stinky People Appraisal & Evaluation Regulations 10 Traps to Avoid on the Frontline Call Report, Embassy Suites, Ridgeland Collecting & the CFBP Regulation E Unwrapped Reviewing Residential Appraisals Ability-to-Repay Qualified Mortgages Reviews & Update Hotspots for ESIGN & UETA Mortgage Loan Officers: Exempt or Not Exempt?

5 6 7 11 12 13-17 14 17-22 18 20

Robbery Prevention, Response & Aftermath Commercial Loan Documentation Commercial Loan Documentation Advanced Cash Flow Analysis Robbery Prevention, Response & Aftermath Annual MBA Convention, Sandestin, FL Advanced Cash Flow Analysis Southeastern School of Commercial Lending - Nashville, TN Troubled Debt Restructuring Introduction to ACH

24-June 5

Graduate School of Banking at LSU

Visit www.msbankers.com for Registration and more information MARCH/APRIL 2015

21

Bankers on the Move

THE MISSISSIPPI BANKER

Cleveland State Bank

Bank of Commerce Al Bell has joined Bank of Commerce as Vice President of the Oxford office. Bell is a graduate of the University of Mississippi and has over 15 years of experience in the banking industry.

Bell

Cadence Bank Sandra Daniels has joined Cadence Bank’s Mortgage Lending Division in Columbus as a Mortgage Loan Originator. Daniels has 35 years of experience in the banking industry with 17 of those years in the mortgage industry.

Daniels

Marnie Gayle has joined Cadence Bank’s Mortgage Lending Division in Columbus as Mortgage Loan Originator. She is a graduate of The University of Gayle Southern Mississippi with a degree in mathematics and business. Gayle has over 20 years of experience in the banking industry.

Cleveland State Bank Gina Hood has joined the Cleveland State Bank Grenada Branch lending staff as Vice President. She is a graduate of the Mississippi School of Banking. Hood Hood has over 27 years of experience in the banking industry.

22

Peggy Sledge has been promoted to Vice President of Regulatory Oversight. She is a graduate of Mississippi Gulf Coast Community College and Delta State College. Sledge has been with Cleveland State Bank since 2010.

Sledge

Jewel Smith has been promoted to Vice President of Operations. Smith attended Mississippi Valley State University and has 36 years of experience in the banking industry, Smith 25 of which have been with Cleveland State Bank.

Community Bank Casey Hill has been promoted to Senior Vice President of Loan Review & Credit Administration. He is a graduate of Mississippi State University with a bachelor’s of science in Hill banking and finance.

Hill is also a graduate of the Mississippi School of Banking and the Alabama Commercial Lending School.

He has been with the bank’s holding company since 2011.

THE MISSISSIPPI BANKER

Community Bank A l a n M c Ca s k i l l has been promoted to Senior Vice President for Community Bank, North Mississippi. He earned his bachelor’s of business administration in business manage- McCaskill ment from Delta State University. McCaskill is a graduate of the Mississippi School of Banking. He joined Community Bank in 2006.

Andrew McDowell has been promoted to Assistant Vice President for Community Bank, Indianola office. He graduated from Delta State University with a bachelor’s of business Moore administration. McDowell is also a graduate of Mississippi State University with a master’s of business administration. He joined Community Bank in 2012.

Jennifer Moore has been promoted to Loan Officer for Community Bank in the Brandon office. Moore attended Hinds Community College and has been with Community Bank since 2007.

Moore

Covenant Bank Julie Hudson has been promoted to Vice President for Covenant Bank in Batesville. She earned her bachelor of accountancy degree from the University of Mississippi. Hudson has over 10 years of banking experience.

Hudson

Bankers on the Move

THE MISSISSIPPI BANKER

Covenant Bank Monty Wiggins has joined Covenant Bank in Tunica as Vice President/Branch Manager.

He is a graduate of the University of Arkansas.

Wiggins has 13 years of experience in the banking industry.

Wiggins

First Security Bank Allen Courson has joined First Security Bank as a Loan Officer.

He received his bachelor’s degree from Mississippi State University and is also a graduate of the Barret Gradu- Courson ate School of Banking.

Allen has nine years of experience in the banking industry.

Byron Earnheart has joined First Security Bank as a Loan Officer.

He earned his bachelor of science degree in business administration majoring in finance from the University of Earnheart Tennessee. Earnheart also earned his masters of business administration in management from Christian Brothers University. He has nine years of experience in banking.

Will Fleming has been promoted to Vice President and Loan Review Officer. He is a graduate of the University of Mississippi with a degree in family consumer science.

Fleming has eight years of banking experience.

Fleming

First Security Bank

First Security Bank

Justin Hill has been promoted to Senior Vice President. He is a graduate of Mississippi State University with a bachelor’s degree in business administration.

Hill is also a graduate of Hill the Mississippi School of Banking and the Graduate School of Banking at LSU. He has been in banking for 15 years

Adrian Smith has been promoted to Senior Vice President. He graduated from the University of Mississippi with a bachelor of business administration degree.

In addition, Smith is a Smith graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He has been in banking for 15 years.

Cynthia Lott has been promoted to BSA Officer. Lott attended Northwest Community College and has been with First Security Bank for 22 years.

Guaranty Bank & Trust Company

Lott

Belinda Morris has joined First Security Bank in Batesville as Community Development Officer. Morris’ education includes the University of Mississippi, University of Morris Michigan, Ross Business School and Executive Leadership Program.

Larry Joe Pratt, III has been promoted to Branch President of our Tunica Branch. Pratt attended Northwest Community College and has almost three years of banking experience.

Mary Claire Glasco has been named Loan Officer. Glasco is in the bank’s Greenville office and has been with the bank since 2013.

Glasco

Addison Lawrence has been named Loan Officer. Lawrence is in the bank’s Senatobia office and has been with the bank since 2013 Lawrence

Eddie Reed has been promoted to Vice President. Reed is in the bank’s Hernando office.

Reed Pratt

Mary Reeder has been promoted to Vice President. Reeder joined the Batesville office in 2014 and has 30 years of bank experience.

Reeder

MARCH/APRIL 2015

23

Bankers on the Move

THE MISSISSIPPI BANKER

Guaranty Bank & Trust Company Melanie Sanders has been promoted to Vice President. Sanders is in the bank’s Greenville office.

Sanders

Planters Bank & Trust Company Judy Baldwin has been promoted to First Vice President of Audit for the Planters Bank system. She attended Delta State University and the Louisiana State University Consumer Baldwin Lending School. Baldwin has 36 years of banking experience and has been with Planters Bank for 19 years.

Parker England has been promoted to First Vice President for the Greenville branch. He received both a bachelor’s and a master’s degree from Mississippi State University. England is also a graduate of England the Mississippi School of Banking and the Graduate School of Banking at LSU. He currently serves as President of Mississippi Young Bankers. England joined Planters Bank in 2007.

Bob Johnson has been promoted to Assistant Vice President/ Collections office for Planters Bank. Johnson has 46 years of experience in the financial industry and has been with Planters Bank for 11 years.

24

Planters Bank & Trust Company

Planters Bank & Trust Company

Chase McPherson has been promoted to Loan Officer for the Greenville office. He received his bachelor’s degree in business information systems from Mississippi State University. McPherson is McPherson also a graduate of The Southeastern School of Consumer Credit through the Tennessee Bankers Association and will attend his first year at the Mississippi School of Banking this spring.

Jamie Murrell has been promoted to Vice President/Marketing Officer. She earned her bachelor of science degree from Mississippi State University. Murrell is also a graduate of the American Bankers Murrell Association School of Bank Marketing and Management. She has been with Planters Bank for eight years.

Jessica Milam has been promoted to Vice President/Human Resources Officer. She is a graduate of the University of Mississippi where she received a bachelor Milam of business administration in business management. Milam has nine years of banking experience and has been with Planters Bank for seven years.

Eric Miller has been promoted to First Vice President for the Greenwood branch. He received his bachelor of science degree from the University of Alabama and received his masters Miller of business administration from Mississippi State University.

Miller is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He has over 12 years of experience in banking.

Grant Phillips has been promoted to Loan Officer for the Indianola office. He received his bachelor of science degree from Mississippi College. In addition, Phillips is a graduate of The Southeastern Phillips School of Consumer Credit and will attend his first year at the Mississippi School of Banking this spring.

Dustin Sullivan has been promoted to Assistant Vice President for the Greenwood office.

He earned a bachelor of business administration degree in management from Delta State University. Sullivan is Sullivan also a graduate of the Mississippi School of Banking. He joined Planters Bank in 2010.

Are your bankers on the move?

Johnson

THE MISSISSIPPI BANKER

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

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To Order:

Call the MBA Office, (601) 948-6366 or email Rachel Chew at rchew@msbankers.com

MARCH/APRIL 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 Sam Hubbard, Director, Banking Division, at sam.hubbard@dbcf.ms.gov.

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

26

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 knowledge or experience in the Oxford/Lafayette Co. market. Pay commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers.com.

LOAN AND BUSINESS DEVELOPMENT OFFICER 2: A Central Missis-

sippi Bank is seeking a Loan and Business Development Officer for their Clinton location. The candidate should have at least five years of commercial lending and business development experience. The bank is seeking someone who has knowledge or experience in the Clinton/Hinds County market. Pay commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers.com.

MORTGAGE LOAN ORIGINATOR: The Citizens Bank of Philadelphia

is seeking a Mortgage Loan Originator for a branch location in Hattiesburg, MS. The position will be responsible for initiating, processing and closing residential mortgage loans in accordance with bank policies. Responsibilities include initiating loans with customers, completing applications and ensuring proper disclosures are made to borrower. The originator will evaluate borrower requests and ensure borrower is matched to appropriate mortgage types. This position works closely with attorneys, underwriters, relators and appraisers, as well as bank lending staff on construction lending and recruiting new business. Other essential duties will include promoting the Bank by maintaining good customer relations and referring

THE MISSISSIPPI BANKER

customers to appropriate staff for new services as well as representing the bank in the local community through active participation in community affairs. Prior experience in mortgage loan origination is required.

We provide a wide range of employee benefits and compensation commensurate with experience. Please submit resumes to hr@tcbphila.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, multi task 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

MBA ClassiďŹ ed Ads

THE MISSISSIPPI BANKER

(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:

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 ClassiďŹ ed Ad Policy, please visit our website, www.msbankers.com.

127th Annual MBA Convention

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.

May 13-17, 2015

BANKER SEEKS NEW OPPORTUNITY: Relocating to Jackson area; seek-

Visit our website, www.msbankers.com, for more information.

ing employment in commercial lending.

Commercial banking experience includes determining potential commercial banking needs for customers and prospects through community involvement, team

MARCH/APRIL 2015

27

American Bankers Association THE MISSISSIPPI BANKER

The Future Is in Good Hands

By Gov. Frank Keating, American Bankers Association President and CEO

I’ve noticed a growing trend in Washington that bodes well for our industry: An increasing number of young bankers coming to the capital to participate in bank visits and industry confer- Keating ences oriented toward advocacy. This infusion of talent is a sign of great things to come, and it is largely attributable to the diligent work state associations have been doing to identify and develop emerging leaders.

The presence of young bankers in the halls of Washington -- and at gatherings all around the country -- is reminiscent of ABA’s origins. In fact, 140 years ago, it was a young Missouri banker named James Howenstein, who at the age of 33 took the initiative to organize a gathering of bankers in New York that led to the formation of the American Bankers Association. He and 16 other bankers – many of them what we today would call “emerging leaders” -- gathered to “put their heads and hearts together to bring into a union of business interest and hearty affection the bankers of our country for a better bankerhood.”

These bankers recognized the impor-

tance of networking and engagement, even if they didn’t call it that.

Whether it’s participating in a panel discussion on “The 21st Century Banker” -- as Katie Boyd, from FirstCapital Bank in Texas; Tom Richards, from Owingsville Banking Company in Kentucky, and Siya Vansia, from ConnectOne Bank in New Jersey, did at ABA’s Annual Convention in Dallas last fall -- or participating in state young banker divisions and leadership programs -- these young leaders bring fresh energy and valuable insights to the debates shaping our industry. The 100plus that gathered for ABA’s Emerging Leaders Forum, which is a growing part of our annual Government Relations Summit in March, certainly proves that to be true.

The trend is also evident in the number of emerging leaders participating in the ABA-State Association Washington Visit Program, which brings more than 1,400 bankers to the nation’s capital every year to advocate for the industry, and in grassroots programs. It’s especially important to encourage tomorrow’s leaders to engage in such activities since grassroots advocacy has become a core responsibility in a banking leader’s job description. Anyone who plans a future in banking needs to be developing relationships now with the very

people who could dictate it. That means Congress and regulatory agency leaders.

And as the faces of Congress continue to change and become more diverse, our industry’s advocates must reflect that change. Remember that these officials are often advised by younger staffers -- staffers who, depending on how long their member of Congress has been in office, may know very little about banking. What better way to introduce them to our issues -- and how policies established in Washington affect banks’ customers and communities -- than through a conversation with a banker who is much closer to being their own peer.

There is nothing but “upside risk,” as the Fed might say, to turning today’s young bankers into advocates for the industry. Between the state associations and ABA, we have abundant resources to help make it happen. From schools and conference planning committees to financial literacy and grassroots contact programs -- the demand for young banker talent is high. Let’s continue to develop that talent together. Young bankers represent the future of our industry, and judging by what I’ve seen, it is in very capable hands. © 2015 American Bankers Association. All rights reserved. Reprinted with permission.

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 Pre - Order Today!

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

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THE MISSISSIPPI BANKER

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