The Mississippi Banker - November December 2014

Banker THE MISSISSIPPI

VOLUME 99 • NUMBER 3

NOVEMBER/DECEMBER 2014

A Banker in Every Classroom

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.

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 3 • November/December 2014

Features

A message from State Treasurer Lynn Fitch................................ 10 ‘TEAM’ Financial Literacy Initiative launched

Record breaking year for ‘A Banker in Every Classroom’.......12-15

A recap of the MBA’s financial literacy project

MBA legislative preview.......................................................16-17 State Legislature convenes on January 6

MissBankPAC 2014 update.................................................18-19 47 banks give to MissBankPAC during year

GSB at LSU: Developing banking leaders since 1950............... 20 School’s 66th session set for May 24 - June 5

Mississippi School of Banking................................................... 21 Enrollment open for 2015 session set for April 12-18

MBA Affiliates provide banking products, services...............24-31 113 affiliates give vital support to MBA, banking industry

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........................................................................................................... 2-3 Around the State.............................................................................................................. 3-7 Good Neighbors...................................................................................................................9 Calendar............................................................................................................................23 Bankers on the Move.................................................................................................... 34-37 Classified Ads............................................................................................................... 38-40 American Bankers Association............................................................................................40 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone (601) 948-6366. Periodicals Postage paid in Jackson, Mississippi.

YOUNG BANKERS SECTION President................. 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

NOVEMBER/DECEMBER 2014

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From the President

THE MISSISSIPPI BANKER

Another good year in the books

By Mac Deaver, MBA President

As each year comes to a close, and we experience the joy and excitement of the Holidays, I always keep one eye ahead on the approaching “start-finish line.” With my other eye, I look back to assess how we did in the past 12 months. I am pleased to report that the MBA had another good year in 2014.

And we end the year with plenty on our “to do” list Deaver for 2015.

The past year was highlighted by the MBA’s 125th birthday, which we celebrated in May at the Annual Convention. Odean Busby presided over the party, as we saluted the many men and women who have contributed to our association and its great history. Thanks to great participation by bankers and the support of our sponsors, the MBA Convention was again one of the largest state bankers association gatherings in the country. Among the things we did at the convention was to unveil the Special 125th Anniversary Issue of The Mississippi Banker magazine. (Copies of this issue, including a hard-cover edition, are available for purchase from the MBA office. And it really does make a great Christmas gift!)

As usual, we stayed busy throughout the year on legislative and regulatory matters. We end the year, as we began it, working with the ABA and other state associations in an effort to represent our member banks in dealing with the continuing wave of bank regulation.

During 2014, the MBA was involved in a long list of federal issues. We actually made progress on several of them. Major change did not occur, but we are optimistic that 2015 will present more opportunity for action. In September, our annual Washington Visit gave bankers the opportunity to express their views directly to regulators and legislators. We thank our Mississippi Congressional delegation for their support, individually and collectively, on a number of issues during the year.

At the State Capitol, the MBA worked overtime to see a long-standing construction lien issue finally resolved in the 2014 session.

Our grassroots network of bankers played a 2

big part in helping educate state legislators on the lien legislation, and other important issues. We thank everyone for their assistance – and encourage you to stay involved as we gear up for the 2015 session (that begins January 6). MBA Chairman Freddie Bagley will preside over our annual membership and board meetings on January 14, at which the association will consider positions on state legislative issues. The staff is now working with the Legislative Committee and other bankers to develop recommendations for the January meetings.

MissBankPAC was heavily involved in the 2014 Congressional elections, as all six Mississippi incumbents were re-elected with our support. Our PAC coordinated with ABA BankPac to increase our industry’s voice in these elections. Another important factor in this year’s Congressional elections was the Financial Education and Advocacy Initiative (FEAI), a new organization that provided additional resources to educate the public (and candidates) on bank-related issues. We congratulate and thank our own John Hairston, who chaired FEAI and spearheaded its positive impact on this year’s elections.

Throughout 2014, the MBA conducted ongoing activities to communicate with our members, and to provide effective education and service. Our communications program marked a special anniversary in July, when The Mississippi Banker celebrated 100 years of publication. In September, we entered the world of social media, as we began communicating via Twitter, Facebook and Instagram.

Throughout the year, we sought to increase the involvement of our MBA Affiliates. Thanks to the record number of firms and companies who support our association in this meaningful way. (They are listed in this issue). After a great year in banker education in 2013-14, we are striving to see that the coming year is equally good. We count on our committees, and all bank members, to make sure this happens. The Mississippi School of Banking and the Graduate School of Banking at LSU continue to be a huge part of the MBA-sponsored education program.

In November, the MBA held its fourth annual “A Banker in Every Classroom” Week,

THE MISSISSIPPI BANKER

with bankers making a record 470 classroom presentations on personal finance. In just four years, “BIEC” has reached over 45,000 Mississippi students in grades K through 12, and we are seeing relationships develop between bankers and teachers that will benefit young Mississippians for years to come. The project’s focus to connect teachers and bankers at the local level is working! We appreciated State Treasurer Lynn Fitch’s assistance in promoting BIEC this year. Special thanks to all bankers and teachers who took time to make presentations.

In the service area, the MBA Group Medical Insurance Program continued its record of success. The program just completed a year in which premiums were reduced because of positive experience, and it ends 2014 with over half of all MBA member banks participating.

The MBA Education Foundation continues to grow as it fulfills its mission of supporting scholarships and financial education. George Marx, president of the Foundation, led the fundraising efforts this year, which resulted in gifts of over $30,000 (and counting) in just the Foundation’s second full year of fundraising. We thank everyone who is helping us make a difference through the Foundation.

And please keep us in mind for future giving.

Mississippi Young Bankers, like the MBA, is one of the most successful state groups of its kind in the nation. In 2014, this continued as the MYB convention and leadership conference were well supported. Young Bankers continued to support the MBA Education Foundation, BIEC and other worthwhile projects. This coming year, plans are in the works for a “MYB Day at the State Capitol” which will provide another opportunity to involve young bankers in industry activities.

Of course, it is impossible to mention all MBA activities – just as it is impossible to personally thank everyone who contributes to their success. But I want to express appreciation to all bankers and others who have supported the MBA in 2015. I especially thank our leadership team – led by Freddie Bagley – and our association staff for their good work and support. As I’ve said many Continued on Page 3

Around the State

THE MISSISSIPPI BANKER

Charlotte Corley named Banking Commissioner On November 10, Governor Phil Bryant announced his appointment of Charlotte Corley to be Commissioner of the Mississippi Department of Banking and Consumer Finance. As Banking Commissioner, Corley will direct the state agency with regulatory oversight of financial institutions chartered under state law, as well as other entities under supervision of DBCF. In announcing Corley’s appointment, Gov. Bryant noted her vast experience with the department. “Her almost 30 years of experience at DBCF will serve her well in this position,” he said. “I know she will maintain the high standards of the department and ensure our banking institutions operate properly within the state’s laws.” The new commissioner previously served as the DBCF Deputy Commissioner, where she directed department activities and worked in coordination with federal agencies in supervision and regulation of Mississippi’s licensed and chartered institutions. She also successfully reorganized the Banking Division of DBCF. “I want to express my gratitude to Governor Bryant for his confidence in my ability to lead the Department of Banking and Consumer Finance as Commissioner,” Corley said. “DBCF is accredited by the Conference of State Bank Supervisors and is ranked among the best in the country. This ranking is a direct reflection on our excellent staff. I am truly honored by this appointment and look forward to continuing my work with the agency and serving the State of Mississippi.”

President’s Column Continued times, everything starts with individual bank members. Your tremendous support is what makes the MBA work. Thanks for keeping it up! (And please call on me or any staff member whenever we can be of assistance to you, or if you have any input or suggestions to share.)

I hope everyone has plenty of time during the Holidays to count their blessings, and to share lots of time with family. I express thanks and holiday wishes to each of you. Merry Christmas….and Happy New Year.

Prior to becoming Deputy Comm i s s i o n e r, Corley was the Director of the department’s Banking Division for 13 years. During this time, she oversaw $47 billion in regulated as- Corley sets and led the division during recession and financial crisis.

“The MBA congratulates Commissioner Corley on being chosen to lead the state bank supervisory agency,” said Association Chairman Freddie Bagley. “She has played a major role in making the department one of the nation's most respected state bank supervisory agencies, and we look forward to supporting Commissioner Corley and her staff in working together to keep a strong and successful banking industry in Mississippi.”

Bagley expressed appreciation to Gov. Bryant and his staff for considering the views of the MBA leadership and membership during the appointment process.

Commissioner Corley holds a Bachelor of Business Administration degree from Mississippi State University, and she is a graduate of the Graduate School of Banking at Louisiana

State University and the American Bankers Association National Graduate Trust School at Northwestern University. She is married to Aubrey Corley and they have three children.

The new commissioner succeeds Jerry Wilson, who retired as Commissioner on September 30. Commissioner Corley’s appointment is for the completion of the current term, which expires June 30, 2016. The appointment is subject to confirmation by the State Senate.

Department of Banking and Finance announces staff appointments Charlotte Corely, Bank Comissioner, has appointed Rhoshunda Kelly as Deputy Commissioner. The appointment has been approved by the Banking Board. Kelly has served the past year as Director of Bank Supervision.

Sam Hubbard has also been promoted to Director, Bank Supervision.

The former Chief Examiner, Hubbard is active in the CPM program and recently completed CSM. These promotions were effective December 1, 2014.

  from the

Mississippi Bankers Association NOVEMBER/DECEMBER 2014

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Around the State

THE MISSISSIPPI BANKER

Carl Chaney retires from Hancock Bank John Hairston appointed President and CEO Hancock Holding Company’s Board of Directors has accepted the retirement and resignation of President and CEO Carl J. Chaney. The Board is also announcing the appointment of John. M. Hairston, current CEO and Chief Operating Offi- Chaney cer, to the role of President and CEO. “The dual CEO role has been a key factor in the company’s succession planning process, and over the years, both Carl and John’s vision and strategic leadership have helped shape Hancock,” said James B. Estabrook, Jr., Chairman of the Board. “Now that the merger, integration and strategic direction of the new company are successfully completed, Carl has decided the time is right for him to meet his personal goal of early retirement, and permit Hancock to move towards a more streamlined executive structure that eliminates the dual CEO role and brings us in line with our peers. The Board would like to thank

Carl for his commitment and dedication to Hancock for the past 17 years. We wish him and his family the best in the future.”

John M. Hairston was named Chief Executive Officer of the company in 2006 and then CEO and Chief Operating Officer in 2008.

He served as EVP and Chief Operations Officer from 1994 to 2006.

“Carl and I have worked as partners for the better part of two decades. We’ve had a tremendous ride along the way, growing the organization from $2 billion to $20 billion in total assets,” said Hairston. “I will miss the camaraderie of daily interaction with Carl, but at the same time, I am very happy for him and his wife, Jinx,” Hairston continued.

“I look forward to capitalizing on the positive momentum our company has enjoyed over the past several quarters,” said Hairston, “and we will continue to aggressively execute the initiatives in the company’s current strategic plan under streamlined executive management.

Our near-term outlook remains the same, and any future plans and decisions will be designed and implemented with the ultimate

goal of continuing to enhance shareholder value and achieving our strategic goals.”

In order to continue streamlining its processes and organization, and successfully achieve its efficiency goals, the company will operate with a single Hairston CEO going forward. Additionally, D. Shane Loper will assume the role of Chief Operating Officer from John Hairston. Joseph S. Exnicios will assume the role of Whitney Bank President from Carl Chaney. Michael M. Achary will continue as the company’s Chief Financial Officer.

All management changes are effective immediately, except Chaney will retain the title of Chief Executive Officer and Holding Company director until his effective retirement date of December 31, 2014.

Chaney is a Past Chairman of Mississippi Bankers Association.

Regions Bank earns top ranking from J.D. Power In Small Business Banking Satisfaction Study Regions Bank was recognized by J.D. Power as the highest-ranked bank in the South for customer satisfaction in small business banking. Regions earned the ranking as part of J.D. Power’s 2014 U.S. Small Business Banking Satisfaction Study . The annual study measures how satisfied small businesses are with a variety of services they receive from their bank.

“Small businesses are vital to the strength of our communities and our economy,” said Grayson Hall, chairman, president, and chief executive officer of Regions Financial Corporation. “Each small business faces its own unique challenges and opportunities. At Regions, our associates focus on providing financial services and solutions designed to help small businesses succeed and grow.”

SM

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To develop its overall satisfaction rankings, J.D. Power analyzed responses from thousands of small business owners or their financial decision makers. Financial institutions were ranked based on a variety of factors such as product offerings, credit services, problem resolution and more.

The J.D. Power ranking is the latest recognition of Regions’ continuing efforts to deliver an exceptional customer experience. Earlier this year, Regions was the highest-ranked bank in the 2014 Temkin Experience Ratings compiled by customer experience research and consulting firm Temkin Group. Temkin asked individual consumers to rate their experiences with various companies across 19 industries.

Regions was listed as the top bank in the national survey and among the highest-rated

THE MISSISSIPPI BANKER

companies across all industries represented in the study.

Regions also received six Naitonal Greenwich Excellence Awards in Middle Market Banking. Regions was among winners for Overall Satisfaction, Likelihood to Recommend, Relationship Manager Capability, Online Services, Treasury Management - Overall Satisfaction, and Treasury Management - Customer Service.

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

NOVEMBER/DECEMBER 2014

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Around the State

THE MISSISSIPPI BANKER

Cleveland State Bank announces retirement of R. Calvin Dye, Chief Executive Officer Cleveland State Bank announced the retirement of R. Calvin Dye, Chief Executive Officer, on September 30, 2014, after 25 years of service to the bank. He will remain an active member of the Dye bank’s Board of Directors.

A graduate of Delta State University and the Mississippi School of Banking, Dye spent the early years of his career with the Federal Land Bank. He joined CSB in 1989 as Senior Vice President and became a member of the Board of Directors in 1993. On January 10, 1996, Dye was elected President and Chief Executive Officer of Cleveland State Bank/ Cleveland State Bancorp, Inc. Dye grew up in Vardaman; he is married to the former Charlotte Armstrong, also of Vardaman. The couple has 3 daughters: Em-

ily Elliott of Guntown, Valerie Norton of Corinth, and Claire Boyles of Minter City, and three grandchildren: John Coley Elliott, 5, Scottie Elliott, 22 months, and Avery Boyles, 1. The Dyes are members of the First Baptist Church of Cleveland.

A veteran of the United States Army, 1970 - 1972, Dye served his country in Okinawa.

When Dye came to CSB, his initial responsibility was to bring the bank’s traditional lending procedures into compliance with new underwriting standards being implemented across the banking industry. These regulatory changes, especially in the area of loan documentation, required not only changes in the way officers and staff processed loans, but it was also imperative to usher the bank’s customers into the inevitability of these new regulations as well. Historically, Dye’s role as the face of change was pivotal; a role he carried out with patience and steadfast resolve. Going

forward, Dye’s leadership was enhanced by his ability to recognize and hire exceptionally talented people to mesh with the skills and aptitudes of the team already in place. As a result, CSB continued to reflect its legacy as Cleveland’s hometown bank and to benefit from its long-term reputation as a strong and stable institution. Consequently, Dye was instrumental in growing CSB’s footprint by expanding its brand of independent, homeowned banking into the Grenada market; a move that has proved insightful. Now at the culmination of his career, it can be said that Dye has made a significant difference at CSB, and that he has reached this distinction with humility.

Retirement will allow time for the Dyes to pursue their interests. Dye will remain a member of the Board of Directors; therefore, the former CEO will remain a vital member of the CSB team.

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THE MISSISSIPPI BANKER

Around the State

THE MISSISSIPPI BANKER

BankPlus wins Empowerment Award for Program offering Alternative to Payday lending BankPlus of Jackson is the winner of the inaugural Empowerment Awards, which recognize promising projects that provide or encourage access to safe, fair financial services in underserved communities. BankPlus won in the Community Development Banking category for its innovative alternative to payday lending. The awards, which are sponsored

by Promontory Financial Group, highlight the unique promise of responsible financial services to empower communities and deliver consumer- and community-oriented financial innovations.

The projects were evaluated based on their effectiveness, innovation, impact, and sustainability, as well as for leadership and governance. The Community Development Banking category targets banks that are registered community development financial institutions (CDFIs), while the Access category targets financial and technology firms with less than $10 billion in assets. BankPlus received a financial award of $100,000 and a pro bono consultation with Promontory.

BankPlus was recognized for its Credit Plus program, a small-dollar, short-term loan alternative to payday lending in a state with the nation’s highest concentration of payday lenders. Loan recipients must complete a financial education seminar to be considered for reasonably priced loans of up to $1,000.

More than 18,000 people have participated since the program was introduced in 2008, with over 17,404 individual loans totaling more than $13.3 million. Participants are also taught how to save, which is reflected by the related 11,673 deposit accounts totaling over $3.8 million. CreditPlus has produced significant improvement in the credit scores of its participants.

Barnes elected to the ICBA Federal Delegate Board The Independent Community Bankers of America® (ICBA) announced that Robert Barnes, President and CEO of PriorityOne Bank, was elected to the ICBA Federal Delegate Board. ICBA is the nation’s voice for community banks.

“I am honored to be elected to this position,” Barnes said. “It gives me a chance to work for community banks across the country that practice trusted, relationshipbased lending and offer hands-on personal service and invaluable financial expertise to local consumers and small businesses.”

In addition to helping shape and advocate ICBA’s national policy positions and programs, Barnes’s duties include being a liaison between independent community bankers in Mississippi and ICBA staff and leadership in Washington, D.C. He will also work to recruit new members to ICBA.

ICBA promotes the interests of locally operated community banks and savings institutions. With trusted financial expertise and high-quality customer service as their hall- Barnes marks, community banks offer the best financial services option for millions of consumers, small businesses, farms and ranches.

“Robbie is a dedicated community banker who is respected by his industry peers,” said ICBA Chairman John Burhmaster, president and CEO of 1st National Bank of Scotia, N.Y. “We are delighted he will be generously offering his time and valuable professional talents to the service of the community banking industry.”

Farmers and Merchants Bank begins Operations In Corinth Farmers and Merchants Bank announced its purchase of the former SOUTHBank branch locations in Corinth on Friday October 17, 2014.

The branche is at 515 North Fillmore Street, in the historic old post office building in downtown Corinth and at 2222 South Harper Road, across from Wal-Mart, will operate as branches of FMBank.

“On behalf of the FMBank Board of Directors,” stated Paul Haynes, Jr., Chairman “We are excited to add Corinth to our community bank network, making us truly the Heartbeat of North East Mississippi banking from Tupelo and now to Alcorn County.” FMBank Director, Jim Nanney reinforced: “FMBank is a proven banking leader that enjoys one-onone banking and will continue the development of Alcorn County.”

John D. Haynes, Sr., President and CEO of Farmers and Merchants Bank, announced the appointment of Brian McCullen as the Manager of the Corinth Market; Sheron Ten-

nyson as the Deposit Operations Manager for the Corinth Market; Kimble Wilbanks as the Branch Manager/Loan Officer at the newly expanded Harper Road location; and Danny Boatman as the Business Development Officer and Commercial Loan Officer for the Corinth Market. Haynes said: “ We are grateful to join an outstanding staff that has provided quality personal banking in Corinth for the past 24 years.” He announced the Corinth branch drive-thru facilities would be open on Saturday Mornings beginning October 25, 2014.

FMBank with the addition of Corinth is comprised of 9 full-service offices and now exceeds $300 million in assets. Bauer Financial Reports, Inc. has awarded FMBank a “5 Star” rating for 25 consecutive years, and an “A-Excellent” rating from Weiss Ratings, Inc. places FMBank in the Top 2% of banks in the industry.

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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

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

Lori Richardson Amy Davis Gordon Fellows Mac Deaver Programs President Senior Vice President Vice President Manager Operations Government Relations

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Group 4

THE MISSISSIPPI BANKER

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

Gail Sykes Brooke McCoy Rachel Chew Sherell Taylor Business Manager Manager of Marketing Manager of Manager Insurance Services Communications

Amber Parker Administrative Assistant

Good Neighbors

THE MISSISSIPPI BANKER

Regions’ Brown presented 2014 Distinguished Citizen Award by Boy Scouts of America On November 13, the Chickasaw Council, Boy Scouts of America presented the 2014 Distinguished Citizen Award to Jimmy Brown of Grenada. The award was established by the Boy Scouts of America Brown to recognize noteworthy and extraordinary leadership of citizens in communities across the United States.

Honoring distinguished citizenship delivers a message to our youth that character counts.

A dinner and reception was held at the Greenwood Country Club. Dr. Dan Jones, Chancellor of the University of Mississippi, delivered the keynote address and paid a special tribute to Brown. Brown has been

very supportive of the scouting movement for many years. He has served on the District Committee of Malmaison District as steering committee chairman, Friends of Scouting chairman, and nominating chairman for the board. Brown also currently serves on the Executive Board of the Chickasaw Council.

Brown oversees banking operations in the North Mississippi region for Regions Financial Corporation. He earned a bachelor’s degree in General Business from the University of Mississippi.

Brown has been heavily involved in many organizations in our community, state and nation. He currently serves as President of the Ole Miss Alumni Association. In addition, he has served on the Rust College Board of Directors, as Past President of the Grenada

Kiwanis Club, on the Forward Grenada Campaign, Grenada Chamber of Commerce, Kirk Academy’s Capital Campaign co-chair, and as a member of the Mississippi Bankers Association Board of Directors. He is a member of the First United Methodist Church in Grenada, where he has taught Sunday School for many years.

Save the Date Women in Banking Conference March 24, 2015

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A message from State Treasurer Lynn Fitch

TEAM financial literacy initiative important for Mississippi As your State Treasurer, I manage the state government’s bank, and my office handles nearly $26 billion in transactions annually on behalf of Mississippi taxpayers. Managing state finances in a fiscally conservative way is an important job. The application of personal finance is key to the success of financial health for Mississippians. It is critical to provide personal finance education and improve our financial literacy.

The Financial Industry Regulatory Authority has named Mississippi among the least financially capable states in the country. That is unacceptable! We must change Mississippi’s financial culture.

Just consider these numbers. The average Mississippian has credit card debt in excess of $15,000. Students are graduating from college with an average student loan debt of over $33,000. And 67% of Mississippians have no emergency savings. These statistics must be improved.

The Treasurer’s Education About Money, or TEAM, was launched this year as a financial literacy initiative. Through a statewide public-private partnership, TEAM aims to leverage private dollars to provide enhanced teacher training and personal finance tools for students in every Mississippi high school.

TEAM relies on the Mississippi Council for Economic Education and EverFi for implementation. MCEE will offer enhanced financial literacy professional development seminars that encourage teachers to incorporate personal finance into their curriculum.

EverFi, a company that has a successful track record nationwide of implementing its computer-based financial literacy program, is working with schools to offer its personal

Lynn Fitch was sworn in as Mississippi’s 54th Treasurer on January 5, 2012. She attended the University of Mississippi, where she earned both a Bachelor of Business Administration and a Juris Doctorate. Fitch also attended Harvard’s Business School of Management and Leadership Program.

In 2009, Lynn was selected by Governor Haley Barbour to serve as Executive Director of the Mississippi State Personnel Board. Prior to MSPB, Lynn served as Deputy Executive Director of External Affairs at the Mississippi Department of Employment Security.

As the state’s Chief Financial Officer, Treasurer Fitch serves on numerous boards and commissions. finance program to all high school students.

The EverFi program has already been piloted in about 100 Mississippi schools, with great results. Students who have completed the interactive modules have shown a 40% knowledge gain in financial literacy. Students complete nine online modules, learning basic concepts such as how to build good credit, save for college, get a mortgage, and invest for their futures. They learn to avoid common personal finance mistakes when they overuse credit cards, fail to plan long term, and neglect to save for the inevitable rainy day.

I have been encouraged as I travel the state and talk to teachers and students who have participated in this program. Teachers are grateful to have another way to teach their students how to become better managers of their own finances. Students are surprised to learn how many of these financial lessons truly

impact their lives.

Banks, businesses, educators, and parents are all important TEAM members. While we are about 80% of the way to fully funding both teacher training by MCEE and availability of the EverFi programs in all high schools, there is plenty of room for additions to our TEAM roster! For information on joining the TEAM, visit www.TreasurerLynnFitch. com and click on the TEAM page. Together, we can all support another top-ranked Mississippi TEAM! I am dedicated to running the Office of State Treasurer like a business and applying fiscally conservative principles. A unified team is imperative to change Mississippi’s financial culture. Financial literacy leads to a stronger workforce, more jobs, and a stronger economy, and that means a stronger future for all of us.

  April 12-18, 2015 University of Mississippi Oxford, MS Register at www.msbankers.com 10

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RECORD BREAKING YEAR!

A Banker in Every Classroom Governor Phil Bryant proclaimed November 3-7, 2014, to be ‘A Banker in Every Classroom’ week in Mississippi. During that week, bankers across the state joined with local teachers in an effort like never before to present lessons in personal finance. As a result a record number of 470 presentations were made, reaching a record number of students.

‘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 statewide.

The project was developed by the MBA in response to the critical need for more financial education in Mississippi schools and communities. “We are finding that, by bringing teachers and bankers together in the local schools, they can reach more students in a meaningful way,” said Mac Deaver, MBA president. “We do not dictate what topics are covered; that is up to the teachers and bankers to decide,” he added. “They are best equipped to know what information is most important to make a difference in the lives of young people in their community.”

A major objective of ‘A Banker in Every Classroom’ is to develop relationships between bankers and teachers. These relationships have already resulted in many ongoing joint efforts to benefit students, Deaver said.

This year to kickoff ‘A Banker in Every Classroom’ week, State Treasurer Lynn Fitch and local banker Kevin Silence of Community Bank came together with Michael Brewer of Pearl High School to provide his ninth grade class with a financial literacy presentation. Treasurer Fitch addressed the students by stating, “Mississippi Bankers Association believes in you (students). They invest in your future by putting professional bankers in your classrooms.” Following the presentation by Fitch and Silence, Brewer said, “This was the perfect opportunity for our students to hear first hand from professionals in the field on the importance of financial literacy. Our goal is to equip our students with the skills they will need to manage their personal finances. In the process, we help them recognize the financial value of a high school education.”

Continued on Page 13

12

THE MISSISSIPPI BANKER

Numerous media outlets from across the state covered local this year’s ‘A Banker in Every Classroom’ presentations. The Hattiesburg American ran a great piece on ‘A Banker in Every Classroom’ featuring comments from two local bankers, Wes Rouse of BancorpSouth and Jerome Brown of The First, A National Banking Association, both of whom provided presentations to classrooms in Hattiesburg.

In Columbus, WCBI-TV featured Dean Smith and Ralph Carter of BankFirst Financial Services on their MidMorning with Aundrea segment. These are just a few examples of the coverage that was received during ‘A Banker in Every Classroom’ and the many bankers who helped us spread the word through their local media.

All of this publicity brought a greater awareness to the MBA sponsored financial education project. It also highlighted the great need for additional education on financial literacy in classrooms across the state of Mississippi. The MBA hopes that this awareness and publicity surrounding this year’s ‘A Banker in Every Classroom’ will help to catapult the project to even higher numbers next year.

Amy Davis, MBA senior vice president, originated the idea for ‘A Banker in Every Classroom’ and, in just four years it has become one of the largest personal finance projects ever in Mississippi schools.

The MBA supports the project, first, by pairing teachers and bankers in local areas and, then, by providing materials and other assistance. Grade-specific materials are available on saving, credit, budgeting and many other personal finance subjects.

To participate, bankers and teachers register separately with the MBA, which works to schedule classroom sessions throughout ‘A Banker in Every Classroom’ week. In addition, teachers and bankers are encouraged to make presentations throughout the year.

The MBA would like to thank each bank, banker, school and teacher that helped to make this a record-breaking year! For more information on ‘A Banker in Every Classroom’ week and to see more photos, please visit www.msbankers.com.

“A BANKER IN EVERY CLASSROOM”

BY THE NUMBERS RECORD BREAKING

470

PRESENTATIONS IN

2014

55

NUMBER OF BANKS THAT PARTICIPATED

OVER

1,500

PRESENTATIONS IN

4

Years OVER

45,000 STUDENTS IN MS REACHED

NOVEMBER/DECEMBER 2014

13

A Banker in Every Classroom

In The Media

"I believe this program offers an opportunity for bankers to start educating all ages about the significance of good credit, saving and the importance of budgeting," said Wes Rouse, vice president of premier banking at BancorpSouth.

Hattiesburg American “When we start the presentation they kind of don't know what to expect and by the time we finish, we can ask them do you understand what a credit score is… what a banker does. They really do, they understand,” said Chase Blankenship, Loan Officer at The First, A National Bank association.

-WDAM, Hattiesburg

14

THE MISSISSIPPI BANKER

NOVEMBER/DECEMBER 2014

15

MBA Legislative Update THE MISSISSIPPI BANKER

Legislature convenes 2015 Regular Session on January 6 The 2015 Regular Session of the Mississippi Legislature will convene on Tuesday, January 6. As the session approaches, the MBA leadership and staff have been busy preparing to present industry positions on all bank-related legislation.

The MBA Legislative Committee met on October 15 to begin studying issues expected to come before the Legislature in the coming year. Following that meeting, MBA leadership and other association committees have joined the staff in developing positions and priorities for consideration by the MBA Board. In recent weeks, MBA Legislative Committee Chairman Robbie Barnes and MBA Chairman Freddie Bagley have joined association staff in meetings with legislative leadership including Lt. Governor Tate Reeves and Speaker Philip Gunn.

On January 14, Chairman Bagley will convene a meeting of the MBA Board of Directors in Jackson to make decisions on positions and priorities. In that meeting, Barnes will present his committees recommendations to the Board. Prior to the Board meeting on

16

January 14, the association membership will meet to discuss issues and offer their input.

Commissioner of Banking Charlotte Corley, who will be coming up for Senate confirmation this session, has been invited to address the membership meeting.

Most proposed changes to Mississippi banking statutes will first be con- Jackson sidered by the “banking committees” of the State Senate and House of Representatives. In the Senate, the Business and Financial Institutions Committee will again be chaired by Sen. Gary Jackson of French Camp, and Sen. J.P. Wilemon of Belmont will serve as Vice Chairman.

The House Banking and Financial Services Committee will continue to be led by Chairman Henry “Hank” Zuber of Ocean Springs and Rep. Joey Zuber

Hood of Ackerman will serve as Vice Chairman. Other bank-related legislation can be expected to be considered by the Judiciary committees in each chamber.

Gordon Fellows, MBA Vice President of Government Relations, will manage the association’s lobbying efforts. Regular email bulletins will be delivered to the MBA membership throughout the session. Bankers with questions, comments, or suggestions on any legislative issues are encouraged to contact Fellows by email at gfellows@msbankers. com or by telephone at (601) 948-6366.

Senate Business and Financial Institutions Committee

House Banking and Financial Services Committee

Sen. Gary Jackson, CHAIRMAN Sen. J.P. Wilemon, Jr., VICE CHAIRMAN

Rep. Henry Zuber III, CHAIRMAN Rep. Joey Hood, VICE-CHAIRMAN

MEMBERS Sen. Nickey Browning Sen. Kelvin E. Butler Sen. Videt Carmichael Sen. Sally Doty Sen. Josh Harkins Sen. Robert L. Jackson Sen. Will Longwitz Sen. Haskins Montgomery Sen. Rita Potts Parks Sen. Bill Stone Sen. Giles Ward

MEMBERS Rep. William Tracy Arnold Rep. Kimberly L. Campbell Rep. Lester Carpenter Rep. Mary H. Coleman Rep. Casey Eure Rep. Andy Gipson Rep. Jeffrey S. Guice Rep. Nolan Mettetal Rep. Bobby Moak Rep. Ray Rogers Rep. Gary V. Staples Rep. Jerry R. Turner Rep. Adrienne Wooten

THE MISSISSIPPI BANKER

MBA Legislative Update

THE MISSISSIPPI BANKER

2014 Congressional election recap On November 4, Mississippians joined the rest of the nation in voting in federal mid-term congressional elections. Although the office of President was not on this year’s ballot, all 435 members of the US House of Representatives as well as 34 seats in the US Senate were up for election. In Mississippi, all of our incumbents – Thad Cochran in the Senate and Alan Nunnelee, Bennie Thompson, Gregg Harper, and Steven Palazzo in the House – all stood for reelection. Although there were competitive races in some of the party primaries earlier this summer - particularly the race for the US Senate Seat - each incumbent easily won reelection in November.

At the national level, the Republican Party enjoyed strong election results across the country, gaining control of the U.S. Senate and growing its majority in the House of Representatives. This result gives the Republicans full control of Congress, which could have a substantial impact on the banking industry.

The new Senate will now be composed of 54 Republicans and 46 Democrats. In the House of Representatives, one race in Arizona is still being contested, but current results have the Republicans 246 seats compared to 188 for Democrats.

Once the new Congress is seated in January, the MBA anticipates working with the

Mississippi delegation and national banking trade groups to push for legislation that would enact regulatory relief and to address other issues.

Several of the Mississippi Congressional delegates will also have opportunities to be involved in a variety of leadership roles in the new Congress. In the Senate, Thad Cochran is expected to assume the chairmanship of the Appropriations Committee, and Roger Wicker was recently elected to serve as Chairman of the National Republican Senatorial Committee, the political and election arm of the Republican Senators. Alabama Senator Richard Shelby will likely be named the new chairman of the Senate Banking Committee.

In the House of Representatives, Mississippi’s senior member, Congressman Bennie Thompson, will be Ranking Member (lead Democrat) on the House Homeland Security Committee. Congressman Gregg Harper and Steven Palazzo will be serving as chairman or vice chairman of various sub committees of Congress.

The MBA looks forward to working with the new Congress. We will work to keep our members up to date on legislative activities that could impact the banking industry in the coming year.

U.S. Senate

Cochran

U.S. House of Representatives

Thompson

Harper

Palazzo

Nunnelee

Calling all bankers:

Join the MBA Contact Bankers Network MBA member bankers are urged to enlist in the association’s Contact Banker Network, which will be called on to make contacts with key legislators and other officials on important banking issues.

With the Mississippi Legislature and the Congress set to convene in January, the MBA is seeking to update its database of bank officers, directors and employees who can help us impact legislative and regulatory decisions in Jackson and Washington. We are asking anyone willing to assist us to complete our contact banker network form and return it to us. Effective members of our grassroots network are persons who know particular officials, or know specific issues. This person

is not always the CEO; he or she may be a director, or employee, or even a family member of a banker.

Even if you have signed up previously,

we would appreciate your sending us your information to ensure that our records are up-to-date.

How to join the MBA Contact Bankers Network 1. Complete and return the form that can be found on the associaiton website, www.msbankers.com.

2. To access the form, click on “Grassroots GR” under the Government Relations button on the home page.

3. Copy or Scan the form and send to Gordon Fellows, MBA vice president, Government Relations (gfellows@msbankers.com) NOVEMBER/DECEMBER 2014

17

MissBankPAC

THE MISSISSIPPI BANKER

47 banks give support to MissBankPac in 2014 On December 31, MissBankPAC will officially wrap up its fundraising drive for 2014.

Under the leadership of PAC Chairman Leslie Usher, MissBankPAC has had a successful fundraising year and is beginning now to focus on the upcoming Mississippi statewide elections in 2015.

MissBankPAC is made up of two separate funds – a “State Fund” and a “Federal Fund.”

2014 was an exceedingly important year for the federal fund which, through its affiliation with the ABA BankPac, supports Mississippi candidates for the United States House of Representatives and the United States Senator.

With federal elections held earlier this year, MissBankPAC was actively involved in each congressional race in Mississippi. MissBankPAC supported Senator Thad Cochran in his race for reelection, as well as Congressmen Alan Nunnelee, Bennie Thompson, Gregg Harper, and Steven Palazzo. Each of these candidates went on to win reelection.

MissBankPAC-Federal Fund, which is governed by the Federal Elections Commission, can only accept individual contributions.

Corporate contributions are not allowed. But 2014 has been a good fundraising year for the Federal Fund, which has achieved 99.7% of its fundraising goal. With outstanding contributions yet to arrive, the Federal Fund is expected to beat its fundraising goal in 2014.

The MissBankPAC–State Fund, which is registered with the Mississippi Secretary of State’s office, also had a good fundraising year.

Currently, the State Fund has achieved 98% of its fundraising goal, and more contributions are expected to arrive before the end of the year. In 2014, the State Fund contributed to a number of key legislators including Speaker of the House Philip Gunn, Lt. Governor Tate Reeves, chairmen of both banking committees and a variety of other legislators. With upcoming statewide elections, 2015 will be a very important year for the State Fund, and MissBankPAC will continue to focus on raising money for upcoming legislative races.

Between the two funds, 47 banks have contributed to MissBankPAC this year. Bankers who have questions about the PAC are encouraged to contact MissBankPAC Treasurer Gordon Fellows via email at gfellows@msbankers. com or by phone at (601) 948-6366.

18

THE MISSISSIPPI BANKER

MissBankPAC

THE MISSISSIPPI BANKER

Thanks to these banks that supported MissBankPAC in 2014: BancorpSouth

Cleveland State Bank

Merchants & Farmers Bank

Bank of Anugilla

Community Bancshares of Mississippi

Merchants & Marine Bank

Bank of Benoit

Community Spirit Bank

Tupelo

Bank of Brookhaven Bank of Forest Bank of Franklin Bank of Holly Springs Bank of Jones County Laurel

Bank of Kilmichael Bank of Morton Bank of Winona BankFirst Financial Services Columbus

BankPlus Ridgeland

BNA Bank

New Albany

Citizens Bank & Trust Co. Marks

Citizens Bank Byhalia

Citizens Bank Columbia

The Citizens Bank Philadelphia

Holly Springs Pascagoula

Belmont

Newton County Bank

Concordia Bank & Trust Co.

Peoples Bank & Trust Co.

DeSoto County Bank

The Peoples Bank

Farmers & Merchants Bank

Pike National Bank

First Bank

Planters Bank & Trust Company

Natchez

North Carrollton

Horn Lake

Ripley

Baldwyn

McComb

McComb

Indianola

First Commercial Bank

PriorityOne Bank

Jackson

Magee

First National Bank

Regions Bank

Clarksdale

Birmingham, AL

First National Bank

Renasant Bank

Picayune

Tupelo

First Security Bank

Tallahatchie County Bank

Batesville

Charleston

First State Bank Waynesboro

Great Southern National Bank Meridian

Guaranty Bank & Trust Co. Belzoni

The First, A National Banking Association Hattiesburg

Wells Fargo Sioux Falls, SD

Hancock Bank Gulfport

Mechanics Bank Water Valley

NOVEMBER/DECEMBER 2014

19

GSB at LSU: Developing bank leaders since 1950 School’s 66th annual session set May 24-June 5, 2015 Since Mississippi banker Orrin Swayze led the establishment of the School of Banking of the South at Louisiana State University in 1950, the school has become one of the most successful graduate banking schools in the country. In 65 years, the school – operated today as the Graduate School of Banking at LSU – has awarded diplomas to over 15,000 bankers.

There were 100 students in the school’s first session over six decades ago. Seventeen of these students were Mississippi bankers.

Today, the school annually has an enrollment in excess of 450 bankers, hailing from throughout the United States and a number of foreign countries. Many leaders in Mississippi’s banking industry have graduated from GSB, which has become a cornerstone of banking education for Mississippi bankers.

GSB alumni include current MBA Chairman Freddie Bagley and MBA Treasurer Frank Sibley. Approximately 10 percent of the school’s graduates – over 1,500 – have been Mississippi bankers.

When it was founded in 1950, GSB had the sponsorship of the Mississippi Bankers Association and 8 other state bankers associations. As the school grew and prospered, a number of other state associations joined in support. Today, 15 state bankers associations from Texas to Virginia are co-sponsors of GSB. Dr. Don Woodland is the long-time Director of GSB, and he works closely with the school's 33-member Board of Trustees to keep the curriculum current and meaningful, and

to maintain the highest standards among the school faculty. The GSB faculty is made up of senior bank officers, industry regulators, banking educators, and professionals. A number of faculty members are Mississippians, including past MBA chairmen George Schloegel and Carl Chaney, as well as Dr. Ken Cyree, holder of the MBA/Frank R. Day Chair of Banking.

Max Yates, senior executive vice president of BankPlus, Ridgeland, recently joined the school’s Board of Trustees. A 2000 GSB graduate, Yates serves on the board with bankers and state bankers association executives from 15 Yates states. MBA president Mac Deaver currently serves as chairman of the Board of Trustees.

Mississippi bankers and the MBA have long been active in the leadership of the school. Six bankers from our state – beginning with Orrin Swayze – have served as GSB president. Swayze was an officer of Jackson's First National Bank (now Trustmark) when he was the school's first president in 1950. Other GSB presidents from Mississippi have included Bob Gaddis, George Schloegel, Harry Walker, Clifton Fowler and Tommy Darnell.

The three-year program of study at GSB at LSU includes three two-week sessions on the LSU campus and the successful completion of home study problems between sessions.

Banker interaction and networking is a valuable part of the GSB experience, as students work together on case studies and projects, and compete as teams in a computerized bank simulation exercise during their third year. In all, graduates of the school complete well over 100 hours of classroom instruction over three years.

While maintaining the most intensive program of any graduate banking school in the nation, GSB continues to offer the lowest tuition. This makes the school a tremendous value for educating the up-and-coming bank leaders in Mississippi and the nation. Tuition for the 2015 session is $3,845.

Applications are now being accepted for the school's 2015 session, to be held on the LSU campus May 24 through June 5. Application forms are available online or from the GSB office.

Deadline to register for the 2015 session is April 17. Additional details on the school and an online application on the GSB website at www.gsblsu.org. The site also provides a complete list of courses and faculty, along with other information. Bankers may also get information on how to apply by calling the school office at (888) 278-0025.

Mississippi bankers are encouraged to contact Max Yates [email: maxyates@bankplus.net; telephone (601) 898-8308] or Mac Deaver [email: mdeaver@msbankers. com ; telephone: (601) 948-6366] for more information.

(Left) Mississippi students at the 2014 Graduate School of Banking session pose for a photo with Freddie Bagley, MBA Chairman, and Mississippi faulty members.

20

THE MISSISSIPPI BANKER

Enrollment open for Mississippi School of Banking 2015 Session will be held April 12-18 in Oxford

Applications are now being accepted for the 2015 session of the Mississippi School of Banking, which will be conducted April 12-18.

Since 1970, the MBA-sponsored Mississippi School of Banking has provided Mississippi bankers with a two-year program covering all aspects of banking activity and bank management. The MSB program consists of two one-week sessions on the University of Mississippi campus, with home study problems completed by students between sessions.

MSB works to foster academic and social interaction between its banker-students, which is conducive to problem solving during the school and in the bank. The school’s curriculum is presented by a distinguished faculty of bankers, educators, regulators and industry professionals. In their second year, teams of MSB students compete in a computerized bank simulation exercise.

For some bankers, MSB serves as preparation for the Graduate School of Banking at LSU or another graduate banking pro-

gram. All MSB graduates gain exposure to all aspects of banking, equipping them to do a • Session is held April 12-18, 2015 better job in their bank.

• Applications are due Feb. 1, 2015 In August, the • Must meet the following criteria: MSB Board of Trust• Employee or director of a commerees chaired by Mike Webb of First Americial or savings bank, a savings institucan National Bank, tion, or a bank regulatory agency Iuka, met to evaluate • High school graduate the 2014 session and • 21 years of age or older to offer input on faculty • Recommended by a senior officer of and curriculum for the upcoming session. The his or her institution or agency Trustees and staff work Apply online at www.msbankers.com closely with Dr. Ken Cyree, MSB director, to help assure that the tion, or a bank regulatory agency; be a high school offers the most timely and relevant top- school graduate; be 21 years of age or older; ics. Amy Davis, MBA senior vice president, and be recommended by a senior officer of serves as the school’s registrar. his or her institution or agency. Applicants To be admitted as a first-year student, an from MBA member banks are given priority applicant must be an employee or director of a over other applicants. Applications should commercial or savings bank, a savings institu- be submitted by February 1, 2015.



NOVEMBER/DECEMBER 2014

21

MBA Education Foundation

Gifts from banks, bankers support foundation’s mission To fund scholarships, financial education in Mississippi The Mississippi Bankers Association Education Foundation, a non-profit subsidiary of the MBA established in 2012, is completing its 2014 campaign to raise funds to support its mission of providing college, high school and banker scholarships and promoting financial education in Mississippi schools and communities.

George Marx, CEO of Copiah Bank, N.A., and MBA vice chairman, serves as president of the Education Foundation.

T h e Fo u n d a t i o n awards annual scholarships in conjunction with Marx the Mississippi Young Bankers section and supports personal finance education provided by the MBA, MYB and our member banks.

The goal of the Foundation is to be a stable, long-term source of funding that will allow for the continuation, and enhancement, of these important activities. Current scholarships include the Orrin Swayze Awards, given to college seniors studying banking and finance; the Leadership Scholarship, given to a college junior studying banking; the Merit Scholarship, given to a high school senior who is the son or daughter of a Mississippi banker; and the Mississippi School of Banking Awards, given to the top students at the MBAsponsored banking school. (Each scholarship has specific rules governing eligibility and selection criteria).

Through support of the Education Foundation, banks and bankers make possible activities which benefit our communities and state – and promote an accurate and positive image of our industry. In a letter to bankers earlier this year, Marx encouraged bankers to consider making a gift before the end of 2015 and putting the Education Foundation in their budgets going forward. As a charitable organization, the foundation may accept taxdeductible gifts under state and federal law.

Marx chairs an eight-member board of directors which governs the foundation. The board is composed of bankers who serve as members of the MBA Executive Committee and officers of the Mississippi Young Bankers.

MBA treasurer Frank Sibley of Marks is vice 22

president of the Foundation. Other board members are Freddie Bagley of Brandon, Odean Busby of Magee, Parker England of Greenville, William Freeman of Newton, Michael Schloegel of Gulfport, and Alan Walters of Jackson. Mac Deaver, MBA president, serves as secretary-treasurer of the Foundation.

Since it began fundraising in November 2012, the Foundation has received 72 cash gifts from 37 corporate and individual donors.

A number of these are recurring annual gifts.

Presently, after awarding $15,500 in scholarships in 2014, the Foundation has a fund balance of $120,538. Since its inception, the Foundation has awarded a total of $37,750 in scholarships. Under policies set by the board, cash gifts to the foundation’s general fund can be accepted without restriction. Any non-cash gifts or gifts designated for a particular purpose require approval by board action.

The board has established five levels of recognition for those making gifts to the foundation. Bankers are encouraged to make gifts in memory or recognition of persons who have made notable contributions to Mississippi banking. A Pledge Card, along with other information on the Education Foundation, are available on the MBA website – www. msbankers.com. All bankers are encouraged to contact Deaver to get answers to questions or to make a gift. He can be reached by telephone at (601) 948-6366 or by email at mdeaver@msbankers.com.

Board of Directors George Marx - President Copiah Bank, N.A., Hazlehurst Frank Sibley - Vice President Citizens Bank & Trust Co., Marks Freddie Bagley Community Bancshares Inc., Brandon Odean Busby PriorityOne, Magee Parker England Planters Bank & Trust Co., Greenville William Freeman Newton County Bank, Newton Michael Schloegel Hancock Bank, Gulfport Alan Walters First Commercial Bank, Jackson

Education Foundation Giving Levels

Leadership

$5,000 or more Patron $2,500 to $4,999 Member $1,000 to $2,499 Friend $500 to $999

Individual $50 to $499 To learn how you can make a difference through the MBA Education Foundation, contact the MBA at (601) 948-6366.

THE MISSISSIPPI BANKER

MBA Calendar

THE MISSISSIPPI BANKER

Calendar of Events DECEMBER 15 16 17 18 18

Going Paperless 2014 Lending Compliance Update Completing the CTR Banking High Risk Customers : CIP, CDD & Risk Using LinkeIn Strategically

9 15 28-29

GLBA - 16 Years Later Top Trends for Community Banks Loan Documentation, Embassy Suites, Ridgeland

12 24

IRA Advanced Seminar, Embassy Suites, Ridgeland BSA/AML Conference, Marriot, Jackson

7-11 24

MYB Annual Convention, Point Clear, Alabama Women in Banking Conference, Jackson

12-18 23

2015 Session of Mississippi School of Banking, Oxford Call Report, Embassy Suites, Ridgeland

13-17 24-June 5

Annual MBA Convention, Sandestin, FL Graduate School of Banking at LSU

JANUARY FEBRUARY MARCH APRIL MAY

Visit www.msbankers.com for Registration and more information

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 NOVEMBER/DECEMBER 2014

23

MBA Affiliates

THE MISSISSIPPI BANKER

The 113 companies and firms listed on these pages support Mississippi banks and bankers as MBA Affiliates. As Affiliates, they provide outstanding products, services and expertise that help keep our state’s banking industry strong. Additionally, they support our Association financially and participate in many MBA events and activities. All Mississippi banks are encouraged to consider these firms and companies when seeking vendors to assist you in better serving your customers and communities. And remember to thank them for being MBA Affiliates ACCOUNTING

Alexander Thompson Arnold CPAs 2070 Rhino Crossing Milan, TN 38358 731/686-8371 Contact: Jack Matthis Email: jmatthis@atacpa.net Website: www.atacpa.net BKD LLP 190 E. Capitol St. Suite 500 Jackson, MS 39201 601/948-6700 Fax 601/948-6000 Contacts: Bob Shearer, Lance Davis, Trey Turnage Email: bshearer@bkd.com, lancedavis@bkd. com, tturnage@bkd.com Website: www.bkd.com Carr, Riggs & Ingram, LLC 282 Commerce Park Dr. Ridgeland, MS 39157 601/853-7050 Fax 601/853-9331 Contact: Randy Eure Email: reure@cricpa.com Website: www.cricpa.com Crowe Horwath LLP 720 Cool Springs Boulevard, Suite 600 Franklin, TN 37067-7260 615/515-5683 Fax 615/399-3663 Contact: Don Cleary Email: don.cleary@crowehorwath.com Website: www.crowehorwath.com/fi 24

Dixon Hughes Goodman LLP 2140 Eleventh Avenue South The Park Building, Suite 400 Birmingham, AL 35205 Toll Free: 877/999-9343 205/212-5350 Fax 205/212-5382 Contacts: Walter McNairy, David Wiggins, Wally Dunn Email: walter.mcnairy@dhgllp.com, david. wiggins@dhgllp.com, wally.dunn@dhgllp.com Website: www.dhgllp.com/benchstrength Grantham Poole 1062 Highland Colony Parkway, Suite 201 Ridgeland, MS 392157 601/499/2400 Fax 601/499/2401 Contact: Dickens Fournet Email: dfournet@granthampoole.com Website: www.granthampoole.com HORNE LLP 1020 Highland Colony Parkway, Suite 400 Ridgeland, MS 39157 601/326-1342 Fax 601/898-9054 Contact: Hans Pettit Email: hans.pettit@horne-llp.com Website: www.horne-llp.com Mauldin & Jenkins 2000 Southbridge Parkway, Suite 501 Birmingham, AL 35209 205/445-2880 Contact: Hanson Borders Email: hborders@mjcpa.com Website: www.mjcpa.com

THE MISSISSIPPI BANKER

Nail McKinney P.A. PO Box 150 New Albany, MS 38652 662/534-7681 Fax 662/534-7682 Contact: James Pegues Email: jpegues@nmcpa.com Website: www.nmcpa.com Porter Keadle Moore, LLP 235 Peachtree St NE Suite 1800 Atlanta, GA 30303 404/420-5631 Fax 404/588-4222 Contact: Sonny MacArthur Email: smacarthur@pkm.com Website: www.pkm.com Postlethwaite & Netterville 8550 United Plaza Blvd., Suite 1001 Baton Rouge, LA 70809 225/922-4600 Fax 225/922-4611 Contact: Candy Wright, Vince Milano Email: cwright@pncpa.com Website: www.pncpa.com Reynolds, Bone & Griesbeck, PLC Clark Centre, 5100 Wheelis Dr., Suite 300 Memphis, TN 38117-4568 901/682-2431 Fax 901/683-5482 Contact: Jonathan Nason, John Griesbeck Email: jnason@rbgcpa.com, jgriesbeck@ rbgcpa.com Website: www.rbgcpa.com Saltmarsh, Cleaveland & Gund 900 N 12th Avenue Pensacola, FL 32501 850/509-8466 Contact: Bill Massey Email: bill.massey@saltmarshcpa.com Websites: www.thebankadvisors.com and www.saltmarshcpa.com Silas Simmons, LLP 209 North Commerce Street Natchez, MS 39120 601/442-7411 Fax 601/442-8551 Contact: Benny Jeansonne Email: bjeansonne@silassimmons.com, jholder@silassimmons.com Website: www.silassimmons.com

MBA Affiliates

THE MISSISSIPPI BANKER

T. E. Lott & Company, PA PO Box 471 Columbus, MS 39703-0471 662/328-5387 Contact: Charles M. Hawkins, Stewart Greene Email: mhawkins@telott.com, sgreene@ telott.com Website: www.telott.com Watkins Uiberall, PLLC 1661 Aaron Brenner Dr, Suite 300 Memphis, TN 38120 901/761-2720 Fax 901/683-1120 417 W. Main Street, Suite 100 Tupelo MS 38804.

Contact: Jeff Thomason, Nina Gourley E-mail: ngourley@wucpas.com Website: www.wucpas.com

Emails: mikep@fedcorpatm.com; chips@ fedcorpatm.com Website: www.fedcorpatm.com

Contact: Bill Posey Email: William.posey@harlandclarke.com Website: www.harlandclarke.com

FIS 4001 N. Rodney Parham Road Mailstop 1170 Little Rock, AR 72212-2442 Phone: 501-593-9314 Contact: Steven Roberts Email: steven.roberts@fisglobal.com Website: www.fisglobal.com

Main Street Checks 920 19th Street North Birmingham, AL 35203 205/323-0234 Fax 205/328-3174 Contact: Beth Cox E-mail: bcox@mschecks.com Website: www.mschecks.com

ICBA Services Network 4209 Kinsmon Way Marietta, GA 30062 770/650-9801 Contact: David Moore, Senior Vice President Email: david.moore@icba.org Website: www.icba.org

COMMUNICATIONS/ NETWORKING

Williams, Weiss Hester & Company, PLLC PO Box 16506 Jackson, MS 39236 601/981-7571 Fax 601/981-4132 Contact: Doug Hester Email: Doug.hester@wwhcpa.com Website: www.wwhcpa.com

Jack Henry & Associates 663 West Highway 60 Monett, MO 65708 417/235-6652 Fax: 417/236-895 Contact: Jacqueline Scheider Email: JScheider@profitstars.com Website: www.jackhenrybanking.com

Wilson & Biggs PLLC PO Box 930 302 Town Center Place Ste C 601/957-2001 Fax 601/957-6081 Ridgeland, MS 39158 Contacts: Fred Wilson, Mark Biggs Email: markb@wilsonbiggspllc.com Website: www.wilsonbiggspllc.com

Wolters Kluwer Financial Services 187 Mallard Drive Brandon, MS 39047 888/398-2666 Contact: Stan Fisher E-mail: stanley.fisher@wolterskluwer.com Website: www.WoltersKluwerFS.com/Banking

BANKING & PAYMENT TECHNOLOGIES

Safeguard by FISI 5006 Harding Place Nashville, TN 37211 615/690-7020 Fax 615/690-7030 Contact: Suzy (Reed) Hogle Email: suzy@fisiinc.com Website: www.fisiinc.com

CSI (Computer Services, Inc.) 3901 Technology Drive Paducah, KY 42001 800/545-4274 Contact: Giovanni Mastronardi Email: associations@csiweb.com Website: www.csiweb.com FEDCorp, Inc. 2169 Stanton Rd., Ste 100 Daphne, AL 36526 251/661-6286 Fax 251/661-6905 Contacts: Mike Pruett, Chip Smith

BUSINESS FORMS

CHECKS & CHECKING PRODUCTS Harland Clarke 712 Northdale Place Brandon, MS 39047 601/812-4317 Fax: 210/558-558-9265

Intermix Technologies 130 Dyess Road Ridgeland, MS 39157 601/605-1057 Fax 601/605-5804 Contact: Carol Wilson Email: carol@intermixtechnologies.com Website: www.intermixtechnologies.com

COMPUTERS/SOFTWARE

D+H 605 Crescent Executive Court, Suite 600 Lake Mary, FL 32746 407-804-6653 Contact: Stacey Leone Email: Stacey.leone@dh.com Website: www.dh.com DRV Technologies Inc. 3415 Duluth Park Ln #B2 Duluth, GA 30096 678/417-1521 Contact: Richard Voss Email: rvoss@drvtech.com Website: www.drvtech.com INTEGRA Software Systems 117 Seaboard Lane, Suite F-290 Franklin, TN 37067 615/595-0900 ext. 810 Fax 615/628-0100 Contact: Adelaide Farrar Email: sales@integra-online.com Website: www.integra-online.com

Continued on Page 26 NOVEMBER/DECEMBER 2014

25

MBA Affiliates

THE MISSISSIPPI BANKER

CONSULTANTS

AaSys Group 11301 US Highway 301, Suite 106 Thonotosassa, FL 33592 205/219-0288 Fax 813/246-4576 Contact: Beth Fox Email: bfox@aasysgroup.com Website: www.aasysgroup.com

Equias Alliance, LLC 8000 Centerview Parkway, Ste 525 Memphis, TN 38018 901/202-6886 Contacts: David Shoemaker, James P. Taylor, Linda Radley Emails: dshoemaker@equiasalliance.com; jtaylor@equiasalliance.com; lradley@equiasalliance.com Website: www.equiasalliance.com

Bank Financial Services Group, Inc. 1600 Division Street, Suite 400 Nashville, TN 37203 615/742-9692 Fax 615/742-8799 Contact: Lee F. Van Dyke Email: lvandyke@bfsgroup.com Website: www.bfsgroup.com

Meyer Chatfield Corporation 633 Wildwood Rd Gadsden, AL 35901 256/441-3400 Contact: Charlie Hicks Email: charlie.hicks@meyerchatfield.com Website: www.meyerchatfield.com

BankSmart 3072 Longbrooke Way Clearwater, FL 33760-1700 813/774-8000 Contact: Jim Wilkson Email: JWilkson@BankSmartUSA.com Website: www.BankSmartUSA.com

Olsen Palmer 1155 Connecticut Avenue NW Suite 810 Washington, DC 20036 202/627-2043 Contact: Christopher Olsen Email: colsen@olsenpalmer.com Website: www.olsenpalmer.com

Chaffe & Associates, Inc. Main Office: 201 St. Charles Ave., Suite 1410 New Orleans, LA 70170 504/524-1801 Fax 504/524-8765 Jackson Office: 576 Highland Colony Pkwy, Bldg. 1, Suite 210 Ridgeland, MS 39157 Contact: Jonathan W. Briggs Email: jbriggs@chaffe-associates.com Website: www.chaffe-associates.com

Premier Insights, Inc. PO Box 1649 Ridgeland, MS 39158-1649 601/977-9948 Contact: Brandon Roberts, Ph.D. Email: brandon@premierinsights.com Website: www.premierinsights.com

Corporate Benefit Strategies, Inc. PO Box 1730 Meridian, MS 39302-1730 601/693-0239 Fax 601/483-6041 Contacts: J. Brock O’Leary, Sr. Email: brock@cbs-irish.net EBS 2031 11th Avenue South Birmingham, AL 35205 205/271-7021 Contact: Phillip A. Pickett Email: ppickett@ebscomp.com Website: www.ebscomp.com

26

Sawyers & Jacobs, LLC 1085 Halle Park Circle, Suite 101 Collierville, TN 38017 901/487-2575 Fax 866/488-4933 Contact: Jimmy Sawyers Email: jsawyers@sawyersjacobs.com Website: www.sawyersjacobs.com Ventis Consulting, LLC 19 North Salem Road Cross River, NY 10518 646/522-6212 Fax 646/224-8379 Contact: Douglas Dreyer Email: ddreyer@ventisonline.com Website: www.ventisonline.com

CONSUMER PROTECTION

Better Business Bureau Serving Mississippi 505 Avalon Way, Suite B

THE MISSISSIPPI BANKER

Brandon, MS 39047 601/398-1700 Fax 769/251-1054 Contact: John O’Hara Email: johara@ms.bbb.org Website: www.bbb.org/mississippi

CORRESPONDENT BANKING SERVICES AloStar Bank of Commerce 3680 Grandview Pkwy, Suite 200 Birmingham, AL 35243 334/467-6664 Contact: Aggie Gibson Email: agibson@alostarbank.com Website: www.AloStarBank.com

BBVA Compass 15 20th Street South, Suite 104 Birmingham, AL 35233 205/297-3330 Fax 205/297-7558 Contacts: Jim Park, Fred Wipperling, Bob Freeman Email: jim.park@bbva.com;fred.wipperling@ bbva.com; bob.freeman@bbvacompass.com Website: www.bbvacompass.com/correspondent CenterState Bank 3800 Colonnade Parkway, Suite 210 Birmingham, AL 35243 205/968-2900 Fax 205/968-2939 Contact: Mr. Shawn Gillis Email: sgillis@centerstatebank.com Web Site: www.csbcorrespondent.com ServisFirst Bank Correspondent Bank Division 850 Shades Creek Pkwy, Ste. 200 Birmingham, AL 35209 855/881-0364 Contact: William H. Street, Jr. Email: correspondentbanking@servisfirstbank.com Website: www.servisfirstbank.com TIB – The Independent BankersBank PO Box 560528 Dallas, TX 75356 800/288-4842 Fax 866/466-4842 Contact: Greg Todd. SVP, Director of Communications

MBA Affiliates

THE MISSISSIPPI BANKER

E-mail: tibinfo@mybankersbank.com Website: www.mybankersbank.com

DATA PROCESSING SERVICES

Accuity Asset Verification Services, Inc. 4709 Golf Road Skokie, IL 60030 847/933-5065 Fax 847/763-2701 Contact: Paul Soczynski Email: Paul.Soczynski@bankersaccuity.com Website: www.accuitysolutions.com

Fax 901/854-4340 Contact: Rob Buchanan Email: rbuchanan@shazam.net Website: www.shazam.net

Email: mcolvin@level5.com Website: www.level5.com

FINANCIAL INTERMEDIARY

Vantiv 8500 Governors Hill Drive Symmes Twp, OH 45249 972/529-9776 Contact: Carla Bifano Email: Carla.bifano@vantiv.com Website: www.vantiv.com

Federal Home Loan Bank of Dallas PO Box 619026 Dallas/Ft. Worth, TX 75261-9026 800/442-9841 Fax 214/441-8551 Contact: Steve Otto Email: Steve.Otto@fhlb.com Website: www.fhlb.com

Financial Institution Service Corporation 500 Pavilion Road West Monroe, LA 71292 318/387-0691 Fax 318/387-9620 Contact: Patrick L. Spencer Email: pat.spencer@fiscdp.com Website: www.fiscdp.com

EMPLOYEE BENEFITS

GOVERNMENT LENDING

ECONOMIC DEVELOPMENT

Southern Administrators PO Box 2449 Madison, MS 39130 Phone 601/856-9933 Fax 601/856-8088 Web Site: www.sabcflex.com Contact: Jim Miller Email: jmiller@sabcflex.com Website: www.sabcflex.com

Mississippi Business Finance Corporation 735 Riverside Dr. Suite 300 Jackson, MS 39202 601/355-6232 Fax 601/355-3888 Contacts: Bill Barry, Cindy Carter Email: bbarry@mbfc.cc; ccarter@mbfc.cc Website: www.msbusinessfinance.com

ELECTRONIC BANKING SERVICES

Diebold Incorporated 6510 Cole Road Ridgeland, MS 39157 601/540-7701; 601/573-1562 Contacts: Harry Barrett & David Holmes Emails: harry.barrett@diebold.com; david. holmes@diebold.com Website: www.diebold.com PULSE 6308 Connell Farm Drive Plano, TX 75024 469/384-9363 Fax 469/362-3736 Contact: John Fuller Email: jfuller@pulsenetwork.com Website: www.pulsenetwork.com SHAZAM, Inc. 392 Empressor Cove Collierville, TN 38017 800/717-4460

Hauenstein Financial Group, LLC PO Box 513 Laurel, MS 39441 601/428-4393 Fax 601/649-2434 Contacts: G. Carey Hauenstein, CLU Email: gchclu@lycos.com

USDA Rural Development 100 West Capitol St., Suite 831 Jackson, MS 39269 601/965-4316 Fax 601/965-4088 Contact: Trina George Email: trina.george@ms.usda.gov Website: www.rurdev.usda.gov

INSURANCE

Stockett and Thomas 1020 Highland Colony Pkwy, Suite 304 Ridgeland, MS 39157 601/948-3733 Fax 601/355-1356 Contacts: Chad Stockett, CFP速, CPA; Curt Thomas, CRPS速 Email: cstockett@stockettandthomas.com WealthPartners 220 Trace Colony Park Drive, Ste. A Ridgeland, MS 39157 601/414-4455 Fax: 601/414-4459 Contact: Clayton Smith Email: csmith@wpnfp.com Website: www.wealthpartnersnfp.com

FACILITY PLANNING

LEVEL5, LLC 2018 Powers Perry Road SE, Suite 750 Atlanta, GA 30339 404/761-0008 Contact: Mike Colvin

ABA Insurance Services 5910 Landerbrook Drive, Suite 100 Mayfield Heights, OH 44124 Toll Free: 800/274-5222 Fax 800/456-6590 Contact: Richard Flenner, Regional Sales Manager Email: rflenner@abais.com or marketing@ abais.com Website: www.abais.com Chubb Group of Insurance Companies 1400 Urban Center Drive, Suite 450 Vestavia Hills, AL 35242 205/968-5401 or 205/968-5436 Contact: Tyrus Czeschin Email: tczeschin@chubb.com Website: www.chubb.com Earl R. Whaley and Company 521 Airway Dr. Alcoa, TN 37701 865/970-7500 or 888/970-7500 Fax 865/970-7937 Contact: Kevin Berry, Regional V.P., Farmington, MO (572)934-0154 Email: kberry@earlwhaley.com Website: www.earlwhaley.com

Continued on Page 28 NOVEMBER/DECEMBER 2014

27

MBA Affiliates

THE MISSISSIPPI BANKER

INSURANCE (CONTINUED)

Gulf Guaranty Life Insurance Company PO Box 12409 Jackson, MS 39236-2409 601/981-4920 Fax 601/981-3402 Contact: James H. Robertson, President Email: jim@gulfguaranty.com Website: www.gulfguaranty.com

Crews & Associates, Inc. 521 President Clinton Avenue, Suite 800 Little Rock, AR 72201 800/766-2000 Fax 501/907-4048 Contact: Rick Calhoun Email: rcalhoun@crewsfs.com Website: www.crewsfs.com

Integrity Business Services 107 West Meadow Hill Drive Florence, AL 35633 256/436-1346 Fax 256/766-4506 Contact: Don Smith Email: dsmith@ibservicesusa.com

Duncan-Williams Inc. 6750 Poplar Avenue, Suite 300 Memphis, TN 38138 901/435-4127 Fax 901/435-4137 Contacts: Jack Schlifer, Tommy Lusk, and Michael Jordan Email: Jack.Schlifer@duncanwilliams.com Website: www.duncanwilliams.com

TLJ Partners, Inc. PO Box 12979 Jackson, MS 39236 601/364-7308 Fax 601/366-1815 Contact: Leland H. Rogers Email: lhr@tljpartners.net Website: www.tljpartners.net

FFC Capital Markets 400 Poydras Street, Suite 2400 New Orleans, LA 70130 504/299-2990 Contact: Octave J. Francis, III Email: ofrancis@ffc-capital.com Website: www.ffc-capital.com

Travelers 1000 Windward Concourse; Suite 100 Alpharetta, GA 30005 678/317-7887 Contact: Danny Rakovec Email: drakovec@travelers.com Website: www.travelers.com

Promontory Interfinancial Network, LLC 74 Briarbend Drive Columbus, MS 39705 662/549-1966 Contact: Kenny Heredia Email: kheredia@promnetwork.com Website: www.promnetwork.com; www. cdars.com; www.insuredcashsweep.com

INVESTMENTS/INVESTMENT Smith Shellnut Wilson, LLC BANKING The Baker Group 2204 Lakeshore Drive, Suite 213 Birmingham, AL 35209 855/500-4547 Fax 405/415-7366 Contact: Dan Puckett Email: dpuckett@gobaker.com Website: www.gobaker.com Cantor Fitzgerald 6410 Poplar Avenue, Suite 700 Memphis, TN 38119 901/347-1700 Fax 901/202-7098 Contacts: Hunter Quinn Email: hquinn@cantor.com Website: www.cantor.com

28

LEGAL SERVICES

Adams and Reese LLP 1018 Highland Colony Parkway, Suite 800 Ridgeland, MS 39157 601/353-3234 Fax 601/355-9708 Contact: Charles N. Parrott, Paul A. Carrubba, C. Phillip Buffington, Jr. Email: charles.parrott@arlaw.com, paul.carrubba@arlaw.com, phil.buffington@arlaw.com Website: www.adamsandreese.com Balch & Bingham, LLP One Jackson Place, 188 East Capitol Street, Suite 1400 Jackson, MS 39201 601/961-9900 Fax 601/961-4466 Contact: Scott E. Andress, Christian B. Waddell Email: sandress@balch.com, cwaddell@balch. com Website: www.balch.com Bradley Arant Boult Cummings LLP One Jackson Place 188 E. Capitol Street, Suite 400 601/592-9944 Fax 601/948-8000 Jackson, MS 39201 Contact: Rod Clement Email: rclement@babc.com Website: www.babc.com

150 Fountains Blvd., Suite A Madison, MS 39110 601/605-1776 Fax 601/605-1710 Contact: Frank Smith, Jr. Email: franks@ssw1776.com Website: www.ssw1776.com

Brunini, Grantham, Grower & Hewes, PLLC PO Drawer 119 Jackson, MS 39205 601/948-3101 Fax: 601/960-6902 Contacts: Granville Tate, Tom Walker Email: GTate@Brunini.com, TWalker@ Brunini.com Website: www.brunini.com

Vining Sparks, IBG, L.P. 775 Ridge Lake Blvd.

Memphis, TN 38120 800/786-1272 Fax 901/766-3321 Contact: Britton Wilkins, SVP Email: bwilkins@viningsparks.com Website: www.viningsparks.com

Butler Snow LLP PO Box 6010 Ridgeland, MS 39158-6010, 601/985-4512 Fax 601/985-4500 Contacts: Ed Wilmesherr, Cliff Harrison Email: ed.wilmesherr@butlersnow.com Website: www.butlersnow.com

THE MISSISSIPPI BANKER

MBA Affiliates

THE MISSISSIPPI BANKER

Copeland Cook Taylor & Bush, P.A. PO Box 6020 39158 600 Concourse, Suite 100 601/856-7200 Fax 601/856-7627 1076 Highland Colony Parkway Ridgeland, MS 39157 Contact: William H. Leech Email: bleech@cctb.com Website: www.cctb.com Deutsch, Kerrigan & Stiles, LLP 2510 14th Street, Suite 1001 Gulfport, MS 39501 228/864-0161 Contact: R. Douglas Vaughn Email: dvaughn@dkslaw.com Website: www.dkslaw.com Fenimore, Kay, Harrison & Ford, LLP 812 San Antonio Street, Suite 600 Austin, TX 78701 512/583-5901 Fax: 512/583-5940 Contact: Chet A. Fenimore Email: cfenimore@fkhpartners.com Website: www.fkhfpartners.com Forman Perry Watkins Krutz & Tardy LLP 200 South Lamar Street Jackson, MS 39201 601/973-5908 Fax:601/960-8613 Contact: J. Chase Bryan Email: bryanjc@fpwk.com Website: www.fpwkt.com Jones Walker LLP PO Box 427 39205-0427 190 East Capitol Street, Suite 800 Jackson, MS 39201 601/949-4900 Fax 601/949-4804 Contacts: Craig N. Landrum, Linda Bounds Keng, J. Andrew Gipson, Neal Wise Email: clandrum@joneswalker.com, lkeng@ joneswalker.com, agipson@joneswalker.com, nwise@joneswalker.com Website: www.joneswalker.com McGlinchey Stafford PLLC 200 S. Lamar Street, City Centre South, Suite 1100 Jackson, MS 39201 769/524-2300

Contact: G. Dewey Hembree, III Email: ghembree@mcglinchey.com Website: www.mcglinchey.com Mitchell McNutt & Sams PO Box 7120 Tupelo, MS 38802-7120 662/842-3871 Fax 662/842-8450 Contacts: Scott Hendrix, Guy W. Mitchell, III, Michael D. Ferris Email: shendrix@mitchellmcnutt.com, gmitchell@mitchellmcnutt.com, mferris@mitchellmcnutt.com Website: www.mitchellmcnutt.com Randall, Segrest, Weeks, Reeves & Sones, PLLC 992 Northpark Drive, Suite A Ridgeland, MS 39157 601/956-2615; 601/956-1962 Contacts: Ben Sones, Paul Randall, Andy Segrest Email: bsones@randallsegrest.oom; prandall@ randallsegrest.com; asegrest@randallsegrest. com Website: www.randallsegrest.com Watkins & Eager PLLC PO Box 650 Jackson, MS 39205 601/965-1900 Fax 601/965-1901 Contacts: George R. Fair, F.J. Hammond, M. Binford Williams, William F. Ray, Jim F. Spencer Email: gfair@watkinseager.com, fhammond@ watkinseager.com, bwilliams@watkinseager. com, wray@watkinseager.com, jspencer@ watkinseager.com Website: www.watkinseager.com

LENDING/BUSINESS DEVELOPMENT

Direct: 901/322-6147, Cell: 901/229-0543 Fax 901/767-4157 Contact: Melody Vollman E-mail: melody@southeasterncommercial. com Website: www.southeasterncommercial.com The Southern Bank P.O Box 130609 Birmingham, AL 35223 205/789-2979 Contact: Mark Dillard Email: m.dillard@sobanco.com Website: www.sobanco.com

MERCHANT SERVICES

Acuity Merchant Services PO Box 8446 Chattanooga, TN 37414 866/680-6164 Contact: Cheryl Cockrell Email: ccockrell@acuityonline.com Website: www.acuityonline.com ePaymentAmerica 7650 Highway 70 Memphis, TN 38134 901/831-3939 Contact: Debra LeJeune, Nikki McKnett Email: dlejeune@epaymentamerica.com Website: www.epaymentamerica.com TrustOne Payment Services, Inc. 709 McCormack Court Ridgeland, MS 39157 601/955-9222 Fax 770-947-6004 Contact: Gary Patterson Email: GaryPatterson@trustoneps.com Website: www.trustonepaymentservices.com

MORTGAGE FINANCE & MORTGAGE LENDING

Crescent Mortgage Company 5901 Peachtree Dunwoody Rd NE Bldg C, Ste. 250 Atlanta, GA 30328 800/851-0263 Contact: Shy Tittlebaum Email: st@crescentmortgage.net Website: www.crescentmortgage.com

Porter Capital Corporation 2112 First Avenue North Birmingham, AL 35203 205/322-5442 Fax 205/326-8562 Contact: Steve Bellah Email: sbellah@portercap.net Website: www.portercap.net Southeastern Commercial Finance, LLC 5100 Poplar Ave., Suite 2700 Memphis, TN 38137

Continued on Page 30

NOVEMBER/DECEMBER 2014

29

MBA Affiliates

THE MISSISSIPPI BANKER

MORTGAGE FINANCE & MORTGAGE LENDING (CONTINUED)

Should you be an MBA Affiliate?

Mississippi Home Corporation 735 Riverside Drive Jackson, MS 39202 601/718-4642 or 601/718-4614 Contact: Jenny Layton Email: jenny.layton@mshc.com Website: www.mshomecorp.com

MBA Affiliates receive many benefits, including: • Listings in The Mississippi Banker magazine and the Mississippi Bank Directory • Listing and link on the MBA website, www.msbankers.com • Comprehensive listing in “MBA Affiliates Reference Guide,” a publication sent to MBA member banks and distributed at Association events • Two (2) subscriptions to The Mississippi Banker magazine and two (2) copies of the annual Mississippi Bank Directory • Member registration fees for MBA events, including the Annual Convention • Discounted booth rental fee, priority booth location, and other benefits at the Annual MBA Convention Trade Show.

• 15% discount off regular rates for advertising in The Mississippi Banker magazine • Opportunity to provide editorial submissions for The Mississippi Banker magazine • Exclusive opportunities to advertise in the Mississippi Bank Directory • One set of MBA member bank CEO mailing labels

Triumph Mortgage 33 Inverness Center Parkway, Suite 140 Birmingham, AL 35242 Direct: 205/940-4201 Cell: 662/549-2212 Contact: Pete Hodo, III Email: phodo@triumphmortgage.com Website: www.triumphmortgage.com

OUTSOURCE SOLUTIONS Banc Statements, Inc. (BSI) 4700 Birmingham Street Birmingham, AL 35217 Phone 205/956-5783 Fax 205/956-2570 Website: www.bsisite.com Contact: David Yates Email: dyates@bsisite.com

For more information about becoming an MBA Affiliate, contact: Brooke McCoy, MBA marketing manager, by phone at (601) 9486366 or by email at bmccoy@msbankers.com.

PRINTING/DIRECT MAIL

Hederman Brothers, LLC PO Box 6100 Ridgeland, MS 39158 601/853-7321 Fax 601/853-7335 Contact: Bert Jackson Email: bjackson@hederman.com Website: www.hederman.com, www.hedermandirect.com High Cotton PO Box 101568 Birmingham, AL 35210 205/838-2822 Contacts: Jeffrey Reeves Email: jreeves@highcottonusa.com Website: www.highcottonusa.com Lawrence Printing Co., Inc. PO Box 886 Greenwood, MS 38930 662/453-6301 or Toll Free: 800/844-0338 Fax 662/455-4746 Contact: George Ellis 30

Email: lawrence@laprico.com Website: www.laprico.com

REAL ESTATE/CONSTRUCTION INSPECTION Construction Inspection Service, LLC 3047 Tidewater Circle Madison, MS 39110 601/613-5033 Contact: Ken Collins Email: kencollins@constructioninspect.com Website: www.constructioninspect.com

SECURITY SERVICES

Federal Protection Inc. Memphis, TN Contact: Jake Martin 901/762-0602 Email: jmartin@federalprotection.com Website: www.federalprotection.com

THE MISSISSIPPI BANKER

SIGNAGE & IMAGE MANAGEMENT

Headrick Signs & Graphics, Inc. One Freedom Square Laurel, MS 39440 601/649-1977 Contact: Chris Loper Email: chris@headricks.com Website: www.headricks.com Mitchell Signs, Inc. 3200 Hwy 45 N Meridian, MS 39301 Toll Free: 601/482-7471 Fax 601/482-7474 Contact: Kyle Edmonds Email: kyle.edmonds@mitchellcompanies. com Website: www.mitchellsigns.com

MBA Affiliates

THE MISSISSIPPI BANKER

Munn Enterprises, Inc. 7712 Highway 49 North Hattiesburg, MS 39402 601/264-7446 601/264-7449 Contact: Harold Munn Email: haroldm@munnenterprises.com Website: wwww.munnenterprises.com

STATE CHAMBER OF COMMERCE

Mississippi Economic Council PO Box 23276 248 E. Capitol Street, Ste. 940 Jackson, MS 39201 601/969-0022 Toll Free: 800/748-7626 Fax 601/353-0247 or Toll Free Fax 888/7172809 Contact: Blake Wilson, Scott Waller Email: bwilson@mec.ms, swaller@mec.ms Website: www.mec.ms

TELECOMMUNICATIONS

C Spire 1018 Highland Colony Parkway, Suite 300 Ridgeland, MS 39157 601/974-7504 Fax: 601/974-7138 Contact: Jim Richmond Email: jrichmond@cspire.com Website: www.cspire.com InLine 405 Legacy Park Ridgeland, MS 39157 601/983-8615 Contact: Derrick Lindsay Email: dlindsay@InLine.com Website: www.InLine.com

Fax 662/455-9373 Contact: Ron Upchurch Email: rupchurch@uptel.com Website: www.uptel.com

TITLE INSURANCE

Mississippi Valley Title Insurance Company 124 One Madison Plaza, Ste. 2100 Madison, MS 39110 601/969-0222 Contact: Terry Weill Email: Tweill@mvt.com Website: www.mvt.com

Upchurch Telecom & Data, Inc. PO Box 301 Greenwood, MS 38935 662/455-1510

ANOTHER

STEP ALONG THE

ROAD www.bcbsms.com

Blue Cross & Blue Shield of Mississippi, A Mutual Insurance Company is an independent licensee of the Blue Cross and Blue Shield Association. 速 Registered Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans.

NOVEMBER/DECEMBER 2014

31

Bankers join MBA’s 40-Year Club Each year the MBA recognizes bankers for 40, 50 and 60 years of service to the Mississippi banking industry. Bankers pictured below were among those who joined the 40-Year club this year.

Jim Thompson (left) and Gene Walker (right) are presented with their 40year certificates by Allen Breland (center), President and CEO, Bank of Forest.

Trustmark’s Financial Services Operations Manager Danny McHale presents Securities and Position System Control Technician Deborah E. Lowrey with her 40-year certificate.

The Mississippi Banker is required by the U.S. Postal Service to print the Statement of Ownership each year:

32

THE MISSISSIPPI BANKER

125th Anniversary Magazine

Order Today!

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.

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33

Bankers on the Move

THE MISSISSIPPI BANKER

BancorpSouth

BankFirst Financial Services

BankPlus

Quentin A. Brewer has joined BancorpSouth as First Vice President – Premier Banking. He received a bachelor’s degree in banking and finance and managerial finance from the University of Mississippi. Brewer is also Brewer a graduate of the Mississippi School of Banking and has completed the first year of the Graduate School of Banking at LSU. He has 16 years of experience in the banking industry.

Luke Yeatman has been promoted to First Vice President. He received a bachelor’s degree in accounting from Mississippi State University and is currently attending the Stonier Graduate School of Banking/ Yeatman Wharton Leadership Program. Yeatman has almost eight years of experience in the financial services industry.

T h o m a s Ro b b J r. joined the BankPlus team as Assistant Vice President in the Madison Banking Center. He received a bachelor of science in business administration from The University of Southern Robb Mississippi. Robb has over five years of experience in the banking industry.

Cleveland State Bank

BankPlus BankFirst Financial Services Alice McCallum has been promoted to Assistant Vice President.

McCallum is a graduate of Mississippi State University.

McCallum

John Rings has joined BankFirst Financial Services as Vice President and Business Banker in the Madison office. He is a graduate of the University of Mississippi. Rings has 12 years of experience in the banking industry

Rings

Bruff Sanders has joined BankFirst Financial Services as Senior Vice President/Business Banker in the Macon, West Point, and Columbus office. He earned a master’s degree from Mississippi State Uni- Sanders versity. Sanders has 20 years of experience in the banking industry.

34

Marc Collum has recently joined BankPlust as Assistant Vice President in the bank’s Madison Banking Center. He received a bachelor of science in business administration from the University of Mississippi. Collum has Collum over 19 years of experience in the banking industry.

Michelle McMillanHolifield has been promoted to Bank Officer & Help Desk & Project Manager in the bank’s Operations Department. She earned a bachelor of arts in English from Delta State University. McMillan- McMillianHolifield Holifield has over 13 years in the banking industry, all with BankPlus.

Tyler McNeal has recently joined BankPlus as Bank Officer in the bank’s Meridian Banking Center.

He received a bachelor of science in business administration from Belhaven College. McNeal has over five years of experience in the banking industry.

THE MISSISSIPPI BANKER

McNeal

Bennett H. Crow has joined Cleveland State Bank as Vice President.

Crow earned a bachelor of science in education and master of education from Delta State University.

Crow

Chris Hathcock was promoted to City President – Grenada Branch.

He earned a bachelor of science in business administration and master of business administration from Mississippi College.

Hathcock also graduated Hathcock from the Mississippi School of Banking and the Graduate School of Banking at LSU. He has 12 years of banking experience.

Community Bank Stephen Bass has joined Community Bank in the Meridian main office. He graduated from Mississippi State University with a master’s in agribusiness management.

Bass has over nine years of experience in agriculture lending.

Bass

Bankers on the Move

THE MISSISSIPPI BANKER

FNB Oxford Bank Campbell Helveston has joined FNB Oxford as Senior Vice President and Commercial Loan Officer.

He is a graduate of the University of Mississippi and Louisiana State University’s Graduate School of Banking. Helveston Helveston has over ten years of experience in banking.

Corey Knighton has joined FNB Oxford as Senior Vice President and Commercial Loan Officer.

He is a graduate of the University of Mississippi, the Mississippi School of Banking and will graduate from the Barret Graduate Knighton School of Banking in 2015. Knighton has 13 years of experience in the banking industry.

First Security Bank Barbara Bonnell joined First Security Bank as Mortgage Loan Originator. She is a graduate of Mississippi Delta Junior College. Bonnell has 35 years of experience in the banking industry.

State Bank & Trust Company

First Security Bank Susan Neal has been promoted to Loan Officer at First Security Bank.

Neal has been with First Security Bank for 15 years and in the banking industry for 18 years.

Neal

Merchant & Marine Bank Nicole Jacobs has recently joined Merchants & Marine Bank as Vice President of Human Resources.

She earned a degree in business science with an emphasis in industrial relations from the University of Minnesota. Jacobs has Jacobs over 30 years of professional experience.

Damian Robinson has joined Merchants & Marine Bank as Personal Banking Officer. He graduated from The University of Southern Mississippi.

Robinson has six years in the banking industry.

Robinson

Bonnell

Matt McCraw recently joined First Security Bank as a Vice President and Loan Officer. He is a graduate of the University of Mississippi and the Graduate School of Banking at LSU. McCraw is the past president of McCraw Mississippi Young Bankers and has 17 years of experience in the banking industry.

The Peoples Bank Jeff Theiler has joined The Peoples Bank as Senior Vice President and Chief Operations Officer.

He received a bachelor’s degree in management from Tulane University and a master’s degree in business administration Theiler from Loyola University of the South in New Orleans. Theiler is also a graduate of the Graduate School of Banking at LSU. He has more than 25 years of experience in banking and financial services.

George A. Gammon III has been named Regional Executive President. He earned a bachelor of business administration in banking and finance from the University of Mississippi and a master of business admin- Gammon istration from Loyola University. Gammon has 24 years of banking experience.

Trustmark National Bank Michael T. “Mike” Belmes has been named Corporate Finance Officer at the Corporate office in Jackson. Belmes received a bachelor of science in business administration with a concentration in accounting and finance Belmes from American University.

Kimberly D. Bernshausen has been named Vice President at the Sugarland office in Sugarland, Texas. She earned a bachelor of arts in business administration from Letourneau Unversity and an associate of arts from Bernshausen Wharton Junior College.

Bernshausen has 11 years of experience in the banking and finance industry, as well as a total of 24 years of experience in credit and financial roles.

NOVEMBER/DECEMBER 2014

35

Bankers on the Move

THE MISSISSIPPI BANKER

Trustmark National Bank

Trustmark National Bank

Trustmark National Bank

Jordan C. Boutot has been named Credit Analysis Officer at the Corporate Main office in Jackson. He graduated from Mississippi College with a bachelor of business administration and a bachelor of science in Boutot accounting. Boutot is currently working toward a master of business administration with a concentration in finance from Mississippi College.

Sherrie Conley has been named Assistant Vice President at the Corporate office in Jackson.

She earned a bachelor of science in finance from Jackson State University.

Conley also earned a mas- Conley ter of science in technology education and a master of business administration from Jackson State University. She has more than nine years of experience.

Elijah W. (Eli) Gross has been named Vice President at the Oxford Square location in Oxford. He received a bachelor of arts in psychology from the University of Mississippi and a master of business administration from the Gross University of Mississippi. Gross is also a graduate of the Mississippi School of Banking.

John O. Cooper has been named Vice President at the Hattiesburg Main office in Hattiesburg. He received a bachelor of business administration in banking and finance from Mississippi State Universi- Cooper ty. Cooper has more than 23 years of experience in the financial industry.

Antroya (Troy) Hawthorne has been named Branch Officer at the Holiday Crossing branch location in Olive Branch. Hawthorne earned a bachelor of science in business administration with a concentration in human resources from The University of Southern Mississippi.

Lisa G. Boykin has been named Assistant Vice President at the Medgar Evers branch location in Jackson. Boykin has 27 years of experience in the financial industry.

Boykin

Clark A. Bradley has been named Commercial Banking Officer at the Greenwood Main office in Greenwood. Bradley received a bachelor of arts in marketing from Mississippi State University.

Bradley is currently work- Bradley ing toward a master of business administration from Delta State University.

Barry T. Collier has been named Vice President in the Corporate office in Jackson. He graduated from Mississippi College with a bachelor of science in education.

Collier has more than 18 years of experience in the Collier commercial construction industry.

36

Jason A. Douglas has been named President at the McComb Main office in McComb. He earned a bachelor of business administration with an emphasis in accounting from Mississippi College and is also a graduate of Douglas the Mississippi School of Banking. Douglas has 17 years of experience in the financial industry.

Michael C. Farrell has been named Information Security Officer at the Corporate Office in Jackson. He earned a bachelor of science in network information technology from The University of Farrell Southern Mississippi and a master of science in information security from Lewis University. Farrell has more than 15 years of experience.

THE MISSISSIPPI BANKER

C h r i s t o p h e r W. (Chris) Hollis has been named First Vice President at the McComb Main office in McComb. He received a bachelor of business administration with an emphasis in manage- Hollis ment information systems from The University of Southern Mississippi.

Hollis also earned a bachelor of business administration with an emphasis in marketing from Mississippi State University and is a graduate of the Graduate School of Banking at Louisiana State University.

Tammy A. Miles has been named Assistant Vice President at the Corporate office in Jackson. Miles has 27 years of experience in the financial industry.

Miles

Bankers on the Move

THE MISSISSIPPI BANKER

Trustmark National Bank

Trustmark National Bank

Trustmark National Bank

L. Ryan Lee has been named First Vice President at the Vicksburg Main office in Vicksburg. He earned a bachelor of science in business administration with an emphasis in management from The Lee University of Southern Mississippi. Lee is a graduate of the Southeastern School of Commercial Lending and the Southeastern School of Advanced Commercial Lending. He has been with Trustmark since 2005.

George L. Sago IV has been named Assistant Vice President of the Olive Branch location in Olive Branch. Sago earned a bachelor of science in agribusiness from Mississippi State University Sago and a master of business administration with a concentration in finance from Strayer University.

W. Zachary “Zach” Waller has been named Assistant Vice President of the Baptist Belhaven location in Jackson. He received a bachelor of business administration with a concentration in banking Waller from The University of Southern Mississippi. Waller has been with Trustmark for nine years.

Stephen G. Samson has been named Assistant Vice President at the Corporate office in Jackson.

He received a bachelor of business administration with an emphasis in accounting from Mississippi Samson State University. Samson is also a graduate of Cannon Financial Institute – Trust School I. He has more than 16 years of experience in the financial industry.

Mary Shears Williams has been named Assistant Vice President at the Corporate office in Jackson.

Williams earned a bachelor of business administration from Belhaven University.

J. Blake Murphy has been named Senior Vice President at the Corporate office in Jackson.

He earned a bachelor of accountancy from the University of Mississippi and is a graduate of the Graduate Murphy School of Banking at Louisiana State University. Murphy is a Certified Public Accountant.

Evan J. Nicolosi has been named Credit Analysis Officer at the Corporate office in Jackson. Nicolosi received a bachelor of science in business administration with a major in finance and a master of Nicolosi business administration from the University of Central Florida.

Tracy R. Rippy has been named First Vice President of the Mobile Main office in Mobile, Alabama. Rippy graduated from the University of South Alabama with a bachelor of science in ad- Rippy ministrative services with concentrations in business, communication, and psychology.

Terilyn N. Smith has been named Assistant Vice President at the Northpark location in Jackson. She earned a bachelor of arts in communication with a minor in marketing from Mississippi State Univer- Smith sity and a master of arts in public relations from The University of Southern Mississippi. Smith has ten years of experience in the financial industry.

Roy A. “Al” Strong has been named Information Technology Officer at the Corporate office in Jackson. While attending Mississippi State, he majored in production management with a concentration Strong in business management.

Strong has 36 years of experience.

Williams

Are your bankers on the move?

Send your submissions to rchew@msbankers.com

NOVEMBER/DECEMBER 2014

37

MBA Classified Ads

THE MISSISSIPPI BANKER

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

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

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

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

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 ser-

38

vices and service existing accounts; active in local community organizations; well-developed interpersonal, communication and customer service skills; and be adaptable, dependable and hard-working. Pay commensurate with qualifications and experience. Candidates my submit confidential resumes to rchew@ msbankers.com

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

portfolio; and identifying any deteriorating credit situations and elevate as necessary to credit executives. Successful candidates will have a minimum of two years proven and progressive business development and credit experience. Bachelor’s degree required with a focus in finance or accounting preferred.

Must have strong sales, analytical, negotiation, communication and teamwork skills. Must be self-motivated and driven to succeed in organically growing new business. Computer knowledge must include spreadsheets, Internet software, email and word processing.

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

E-BANKING SUPPORT SPECIALIST: A community bank in Ridgeland, MS

is seeking an E-Banking Support Specialist to join their Deposit Operations department team. The E-Banking Support Specialist works with the staff of the Deposit Operations in a supportive role, primarily inputting data on the Customer Information File and Card Management systems, and scanning and indexing documents into the Imaging system. Secondary role will include some customer support by telephone contact with external and internal customers to support all departments within the bank. Candidate must possess strong computer, organizational and customer service skills. A High School Diploma or GED equivalent is required (some college preferred), with one to two years related experience preferred. Pay commensurate with qualifications and experience.

Candidates may submit resumes to Kristy.

Reich@StateBank1898.com.

COMMUNITY RELATIONSHIP FINANCIAL CENTER MANAGER: BANKER: Bank in Gulfport seeks a Financial Center A community bank is seeking a Community Banking Relationship Manager I. This position will proactively grow bank revenue by focusing on prospective companies to offer an appropriate suite of products and services in response to the client’s needs. This individual will be responsible for building a portfolio of clients by identifying and soliciting prospective banking relationships; effectively managing, developing and retaining quality business relationships by providing clients with outstanding service and solutions; earn the client’s full banking relationship by leveraging and cross-selling the Bank’s suite of products based on client’s needs; monitoring client

THE MISSISSIPPI BANKER

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

American Bankers Association THE MISSISSIPPI BANKER

It’s Time to Reform the Farm Credit System

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

In a recent radio interview in San Antonio, Texas, Michael Mauldin – regional president of First Financial Bank, Hereford, Texas – described how the Farm Credit System has used its government guarantee to finance loans outside of its mission. Keating Case in point: A $725 million loan for Verizon to buy out a European telecom company.

The incredulous response from the show’s host: “What does that have to do with farming and ranching?”

Earlier, in Birmingham, Ala., Bob Jones – president and CEO of United Bank, Atmore, Ala., and a member of ABA’s Board of Directors – explained in another radio interview how the Farm Credit System has lost sight of its original mission. “In 2012, only 17 percent of the $247 billion in outstanding Farm Credit System loans went to small farmers,” he said.

“It morphed, as many bureaucracies do, into a much more far-reaching enterprise.”

Bankers across the country – even those in suburban areas – have compelling stories about how the tax-advantaged Farm Credit System unfairly tilts the competitive playing field while exposing American taxpayers and our nation’s economy to significant risks.

ABA is helping you share these experiences.

And with guidance from our special ABA Agricultural Credit Task Force, composed of bankers and state association executives, we’re elevating and expanding our advocacy on this

issue. In short, we're taking a more strategic and aggressive approach.

That approach includes a new website – ReformFarmCredit.com – that will shine a spotlight on the Farm Credit System, the first and least-known of the government-sponsored enterprises. The website, set to go live in December, will help you tell your story to members of Congress and opinion leaders. It promises to be a powerful tool in getting the word out about FCS abuses and on-going mission creep.

Taken together, the system is a $266 billion entity. If the Farm Credit System were a bank, it would be the ninth largest in the United States. In fact, it’s bigger than 99.9 percent of all banks in the country. These are facts policymakers need to know.

They also need to know that as a GSE, the Farm Credit System represents a risk to taxpayers in the same way that Fannie Mae and Freddie Mac do. And, while it creates additional risk for taxpayers – it ironically benefits from significant tax breaks. In 2013, those tax breaks totaled $1.3 billion – that’s quite a competitive edge. Today, the Farm Credit System is making risky loans with government backing – formalized last year by the creation of a $10 billion line of credit with the U.S. Treasury.

ABA and the state bankers associations are committed to exposing these truths. We need you to help, too.

We’ll be asking you to “take a stand” and encourage your lawmakers to do the same.

You need to let your lawmakers know that the FCS’ tax-free status and ever-expanding

CLASSIFIED ADS (CONT.) BANKER SEEKS NEW OPPOR- including manufacturing, health care, public TUNITY: Relocating to Jackson area; finance, and commercial real estate. Excellent

seeking employment in commercial lending.

Commercial banking experience includes determining potential commercial banking needs for customers and prospects through community involvement, team prospecting, and relationship building. Background in structuring, analyzing and underwriting loans 40

communication and analytical skills. For additional information, please contact rchew@ msbankers.com.

THE MISSISSIPPI BANKER

mission make it difficult to meet the needs of your customers and their constituents. No one can convey this message better than you.

This is not a new battle. We’ve been fighting long and hard to put an end to the FCS inequities. We’re making progress, but we need to keep pushing Earlier this year, for example, ABA and Kansas banker Leonard Wolfe testified before a House subcommittee that has oversight over the Farm Credit System, bringing some much-warranted focus on its activities. Shortly after the June hearing, Rep. Marlin Stutzman (R-Ind.), a member of the House Financial Services Committee, penned an op-ed urging that “Farming should be at the center of the Farm Credit System … Unless we return the Farm Credit System to its original mission, taxpayers could be on the hook for a bailout in the near future and farmers’ access to credit could be reduced.”

Now, with the rollout of ReformFarmCredit.com – and your engagement and involvement – we will continue to up our game.

You’ll also be able to personally lobby this issue – along with other key banking advocacy priorities – at ABA’s 2015 Government Relations Summit, March 23-25, in Washington, D.C. Registration for the Summit is free. Go to www.aba.com/Summit to learn more.

With all of these resources in place, it’s time to continue to show lawmakers the real threat that the Farm Credit System poses to taxpayers and the economy, and the need for reform. © 2014 American Bankers Association. All rights reserved. Reprinted with permission.

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.

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Mississippi Bankers Association

125 CONGRATULATIONS MISSISSIPPI BANKERS ASSOCIATION

For your 125 years of service to Mississippi bankers.

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

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

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