The Mississippi Banker - March April 2017 by The Mississippi Banker Magazine

VOLUME 101 â&#x20AC;¢ NUMBER 5 MARCH/APRIL 2017

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The official publication of the Mississippi Bankers Association FOUNDED 1889

Rachel Chew • Editor Volume 101 • Number 5 • MARCH/APRIL 2017

OFFICERS

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

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

STAFF President................................ McKinley W. Deaver Senior V.P., Operations..........................Amy Davis Senior V.P., Gov. Relations............ Gordon Fellows Programs Manager............................Lori Richardson Marketing Manager........................ Brooke McCoy Business Manager.................................... Gail Sykes Manager of Insurance Services..........Sherell Taylor Manager of Communications............. Rachel Chew

YOUNG BANKERS SECTION President...................Kent Mortimer, Kilmichael Vice President................Wes Rouse, Hattiesburg Treasurer................................Bob Glover, Ripley

Special Convention Issue From the President...................................................................... 2 Around the State......................................................................3-7 Good Neighbors.......................................................................... 8 MBA Endorses KeyState.......................................................10-12 Convention Overview..........................................................17-21 MYB Convention Recap......................................................22-25 Bankers on the Move............................................................26-28 Webinar Calendar..................................................................... 29 Classified Ads.......................................................................30-31 American Bankers Association................................................... 32

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. POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037. The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements. Printed By Hederman Brothers, Ridgeland, MS MARCH/APRIL 2017

From the President

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Casting Call

‘The Reel Deal’ premieres in Destin May 17-21 By Mac Deaver, MBA President The casting call has gone out. The MBA seeks hundreds of persons for roles in our four-day production of "The Reel Deal" which will be presented May 17-21 at the Sandestin Deaver Golf & Beach Resort. Many excellent parts are still available, including bank officers and directors, banker spouses, financial services professionals and vendors, regulators, public officials and others. (The casting director tells me he is especially looking for persons who enjoy learning, eating, socializing, dancing, playing golf, and just hanging out at the beach. And all cast members are invited to bring their families!) Everyone is encouraged to be part of the 2017 MBA Annual Convention as we conclude another successful MBA year. The convention schedule is filled with education, recreation and fellowship, with plenty of time left over to reconnect with old friends and to make new ones. And it all happens on Florida’s beautiful Emerald Coast! As usual, this year’s convention will be a “reunion” of Mississippi’s banking family, with lots of activities planned around our convention theme – “The Reel Deal” – which celebrates MBA Chairman Frank Sibley and his love of movies and television. And, as with any good family reunion, we’ll be sure that everyone gets a t-shirt! The MBA Convention is a great opportunity to recognize the many Mississippi bankers who played important roles in our association’s success this past year. With Frank in the director’s chair, the MBA was involved in a variety of genres this year, including drama and suspense, fantasy 2

and horror – and, yes, even a bit of science fiction and comedy! Our headliners, Frank and his leading lady, Kay, received critical acclaim for their outstanding performances as ambassadors for the MBA and Mississippi’s banking industry this past year. In Destin, we will express thanks to them for all they have done. I am especially excited about the cast members who will have “speaking parts" at the convention. Speakers include political analyst Fred Barnes, editor of The Weekly Standard and Fox News contributor; economist Ed Siefried, professor emeritus of Lafayette College; and Jill Castilla, CEO of Citizens Bank of Edmond, Oklahoma, and recipient of American Banker’s “Community Banker of the Year” award. We also will hear remarks from the elected leadership of both the American Bankers Association and the Independent Community Bankers of America. ABA chair Dorothy Savarese, chairman and CEO of Cape Cod Five Cents Savings Bank in Orleans, Massachusetts, and ICBA vice chair Preston Kennedy, CEO of Bank of Zachary in Zachary, Louisiana, will address general sessions. The convention will begin with Wednesday's Welcome Reception. The convention Trade Show will feature some 60 exhibit booths, along with fun activities, on Wednesday and Thursday, and the trade show giveaways will take place Friday. On Thursday evening, Trustmark National Bank will host its annual party, to be held in conjunction with our Second Annual Silent Auction to benefit the MBA Education Foundation. On Friday, First National Bankers

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Bank and FNBB Capital Markets will host a convention-wide party on the lawn of the Grand Sandestin. And the convention concludes with Saturday night’s Annual Banquet, which will feature the music of The Tip Tops. (Dancing is encouraged!) In between, there will be many other events and activities, including the golf tournament on Friday, the spouse program on Saturday, and breakfasts hosted by the FHLB Dallas and GSB at LSU. (See pages 18-21 for more details.) We give special thanks to our major convention sponsors – Trustmark National Bank, FNBB and FNBB Captial Markets, Federal Home Loan Bank of Dallas, and Stockett & Thomas Agency – and to the dozens of other sponsors and exhibitors who are providing support for the 2017 MBA Convention. If you have not already made plans to be in Destin on May 17, you still have time to be a part of the cast. You don’t want to miss it – it’s “The Reel Deal”!

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Around the State

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Renasant Corporation, Metropolitan Bancgroup, Inc. Announce definitive merger agreement Renasant Corporation, the parent company of Renasant Bank, and Metropolitan BancGroup, Inc., the parent company of Metropolitan Bank, jointly announced the signing of a definitive merger agreement pursuant to which Metropolitan will merge with and into Renasant in an all-stock transaction currently valued at approximately $190.2 million. The proposed merger has been approved unanimously by each company's Board of Directors and is expected to close early in the third quarter of 2017. Comple-

tion of the transaction is subject to the satisfaction of customary closing conditions, including the receipt of required regulatory approvals and the approval of Metropolitan's shareholders. Founded in 2008, Metropolitan is a privately-held bank holding company with two offices in Nashville and two in Memphis, Tennessee, and four offices in Jackson. As of December 31, 2016, Metropolitan had approximately $1.2 billion in total assets, approximately $918 million in total loans and approximately $888

million in total deposits. "This is an attractive opportunity to partner with a dynamic franchise with tremendous banking talent. Metropolitan is a high quality commercial and private bank with a strong credit culture and an attractive client base which enhances our current presence and market share in the key markets of Nashville and Memphis, Tennessee, and Jackson," said Renasant Chairman and Chief Executive Officer, Robin McGraw. Continued on Page 6

Bank of Forest set to acquire Bank of Walnut Grove The Board of Directors of Bank of Walnut Grove has agreed for the bank to be acquired by Bank of Forest in a merger whereby the existing shares of Bank of Walnut Grove will be purchased for cash. The transaction is expected to be completed during the second quarter of 2017, pending regulatory and Bank of Walnut Grove shareholder approval, and will result in what Bank of Forest President and CEO Allen Breland termed “the merger of two like-minded, independent banks that will benefit the customers of both institutions.” Upon completion of the acquisition, Bank of Forest will manage blended assets approaching $220 million with capital of approximately $25 million, a capital-toasset ratio of approximately 11.5% that exceeds federal capital requirements. In addition, Bank of Forest will expand its footprint to include Walnut Grove in addition to its Main Office in Forest and an office in Flowood. Bank of Forest also operates two other subsidiaries: Forest Insurance Agency, Inc. and Diversified Mortgage Corporation. 4

Both banks enjoy a long and lustrous tenure in their respective communities. Bank of Forest was founded in 1900 while Bank of Walnut Grove was established in 1923. The Board of Directors of Bank of Forest and its sole shareholder, First Forest Corporation, approved the acquisition on February 15, 2017. “We look forward to welcoming the employees of Bank of Walnut Grove into the Bank of Forest family,” Breland said. “At the same time, we embrace the opportunity to introduce their customers to our unique brand of community banking. We are working diligently to ensure as seamless of a transition as possible.” Bank of Walnut Grove President and CEO Ray Britt echoed Breland’s goal for a smooth transition by saying “We are looking forward to becoming a part of Bank of Forest. It has enjoyed a long history of excellence in Scott and Rankin Counties and has a legacy of fiscal integrity upon which the bank has grown and prospered.” Carl Ware, Senior Vice President of Bank of Walnut Grove, noted that changes in the regulatory landscape played a part

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in the bank’s decision to be acquired. “Over the course of the past several years, the errors of Wall Street banks trickled down to affect the viability of independent banks in communities across America,” he said. “As a result, federal regulatory pressures have increased to the point that many independent banks have had to spend an inordinate amount of time on these issues, which takes us away from our core business. To join with Bank of Forest benefits both of our banks in this regard. I think this is a good union for all parties involved including both of our customer bases.” “In our role as a true community bank, we believe in the benefits of relationshipbased banking,” Breland continued. “To that end, we look forward to working with the Walnut Grove staff, knowing that their customers will find comfort in continuing to rely on bankers they have come to know and trust. And, Bank of Walnut Grove customers will soon be able to conduct their banking in Forest and in Flowood as easily as they do in Walnut Grove.”

Around the State

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Cadence Bank's Jerry Toney recognized as a 'Top Bank Advisor for 2016' Jerry Toney, senior wealth advisor for Cadence Investment Services and Mississippi president for Cadence, was recently recognized as one of the nation’s “Top 100 Bank Advi- Toney sors” for 2016 by Bank Investment Consultant, a leading financial services industry magazine. Toney ranked 31st in the annual list, placing among the top 50 for the second consecutive year. “I couldn’t be prouder of Jerry for this tremendous and well-deserved honor,” said Paul B. Murphy, Jr., CEO and president, Cadence Bancorp. “In a highly selective industry, he exhibits an unparalleled expertise and commitment to service that

are appreciated by his clients, colleagues and peers alike. Jerry is a tireless advocate for his clients and a terrific asset to the bank.” Bank Investment Consultant’s annual Top 100 list recognizes a distinguished group of bank and credit union advisors from throughout the country who have excelled in a number of key areas, including: assets under management (AUM), percentage change in AUM from the prior year, trailing 12-month production, percentage growth in production, amount of fee-based business and the ratio of production to AUM. Toney is a graduate of Mississippi State University and currently serves as an adjunct lecturer for the Department of Finance & Economics. Additionally,

Toney serves on several civic, economic and professional boards, including the Greater Starkville Development Partnership, Golden Triangle Development Link, Mississippi Economic Council, and as past president of the North Mississippi Financial Planning Council.

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MARCH/APRIL 2017

Around the State

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Renasant Bank and Metropolitan Bank Merger announced (Continued from page 4) Also commenting on the announcement, Mitch Waycaster, Renasant President and Chief Operating Officer, added, "We believe this merger will expand our market share, earnings growth and profitability, and is expected to greatly benefit our current and future clients with expanded locations, services and products. The merger also accelerates our crossing of the $10 billion asset threshold to late 2017 - an event that we have been positioning for since 2006, and we are confident in the level of preparation, infrastructure and personnel that we have put into place." Curt Gabardi, President and Chief Executive Officer of Metropolitan, will be joining Renasant Bank as President and Chief Banking Officer, with responsibility

for commercial and mortgage banking as well as other financial services. "Metropolitan is very excited about joining with Renasant as the merger is strategically and culturally compelling for both companies. As a very proud and successful young company with tremendous banking talent, we look forward to the unique opportunity of leveraging Metropolitan's commercial banking niches with the enhanced lending capacity and specialized lines of business provided by Renasant," said Gabardi. "We are excited for our associates, clients and shareholders for the immediate and longer term benefits and shareholder value creation opportunities we believe this merger provides."

Visit the MBA Convention Trade Show! WED., MAY 17 6:00 - 8:00 p.m.

THURS., MAY 18

7:30 - 9:30 a.m. 12 noon - 3:00 p.m.

Trade Show Luncheon 12 noon - 1:30 p.m.

GRAND PRIZE GIVEAWAYS ON FRIDAY, MAY 19, 11:00 A.M.

Renee Rice Joins First Commercial Bank

Renee Rice

Senior Vice President First Commercial Bank Ridgeland, Mississippi Office

Renee Rice joined First Commercial Bank as Senior Vice President in FCB’s Ridgeland office in 2016. She is a graduate of Mississippi State University with a bachelor of business administration in banking and finance. She is also a graduate of the Graduate School of Banking of the South at Louisiana State University. A seasoned veteran in the industry, Rice has 30 years of banking experience including 12 years with Deposit Guaranty National Bank, and 18 years in Madison with Renasant Bank, formerly M&F Bank. Rice serves on the advisory board of the Madison County Business League & Foundation, is a member of the board of the Madison County Community Trust, and is a member of the Jackson Academy board of trustees. First Commercial Bank President & CEO Alan Walters noted, “Renee is a perfect fit for our organization, our banking ties are long-standing, and we are highly gratified that we are able to bring her depth of experience and knowledge to businesses and professionals in Ridgeland and the surrounding area.” Rice and her family are members of St. Joseph Catholic Church.

Ridgeland: 600 Concourse, Suite 150, 1076 Highland Colony Parkway • Ridgeland, MS 39157 • 601-790-2770 Locations also in Jackson, Horn Lake and Southaven • www.firstcommercialbk.com © 2017 First Commercial Bank. All rights reserved.

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Around the State

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Guaranty Bank expanding its Indianola office Officials at Guaranty Bank & Trust Company held a ground breaking ceremony marking the expansion of its location in Indianola, located at 215 Highway 82 West. Hue Townsend, President and CEO of the bank, said the project “reflects not only our investment in Indianola but the growth we’ve experienced by offering a unique brand of independent banking. We are excited to break ground on the expansion of our facility in Indianola,” he said. “Once completed, it will provide our customers with a more efficient and larger area to transact business.” Paul Townsend, IV, President of the Indianola Office, explained that after the

expansion the bank will have access to six private offices, while the 24-hour ATM will be relocated accessible by drive-up. Townsend said, “This will allow for all four drive-up banking lanes to be in service for customer use. We are committed to Indianola and Sunflower County in that providing exceptional customer service through our loca- Pictured L to R: City Inspector Elvis Pernell, Mayor Steve Rosenthal, tion and employees is a Indianola Branch President Paul Townsend and Indianola Branch Manager Kathy Manning. priority to us.”

MARCH/APRIL 2017

Good Neighbors

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Bankers unite to dedicate 'Banker Build' home Seven Jackson area banking institutions partnered for the second year in a row with Habitat for Humanity Mississippi Capital Area (HFHMCA) to build a home for a local family. On February 23, representatives of BancorpSouth, First Commercial Bank, Origin Bank, Regions, Renasant Bank, Trustmark National Bank and Wells Fargo, joined the homeowner family and supporters and staff of HFHMCA at for the dedication of the home. Employees from the seven banking institutions worked together in October and early November to construct the Habitat house at 2816 Greenview Drive. “The partnership serves as a model for the entire community, showing what can be accomplished when we work together,” said Larry Ratzlaff, Mississippi state president of Origin Bank and president of the Habitat Board of Directors. “We are proud to be community partners

with Habitat for Humanity and share in the goal to move families out of poverty housing and empower them through affordable homeownership, while helping to transform a neighborhood riddled with derelict houses into a safe, livable one.” “Local banking institutions joining together to build a second Habitat house on Greenview Drive demonstrates that they share our dream -- that a revitalized Greenview Drive will be a showcase neighborhood and a catalyst for economic development and rebirth of other neighborhoods in South Jackson,” said Merrill McKewen, executive director of Habitat for Humanity. “With their help, we are turning the corner to reclaim this street while creating a brighter future for a local family.”

For Annie White and her two children her new Bankers Build home is a dream come true. "I feel like I am the luckiest woman in the world for my family to be getting the opportunity to own a home, White said. I want to thank all of the banks who sponsored this build, the employees who volunteered, and Habitat for Humanity for making home ownership possible for my family.”

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Growing number of banks utilizing Captives for enterprise risk management By Josh Miller There is no avoiding it. Cyber security and reputation protection are among today’s significant, emerging risks, thus creating exposures for banks of all sizes. At the same time, commercial insurance carriers are pushing banks to higher deductibles, so there remain significant gaps in coverage and exclusions in commercial insurance policies. This creates unfunded risks, which must be evaluated as a part of any bank’s enterprise risk management process. To address the concerns, banks throughout the country are forming captive insurance companies – known as “captives” – to cover these unfunded risks. A captive is a legally licensed, limited purpose, property and casualty insurance company, which can write customized policies for related entities. While larger institutions (typical-

ly $5bn in assets and larger) with specific organizational structures (i.e., lots of charters) have been utilizing these KeyState Captive Management is an endorsed types of captives since partner of the Mississippi Bankers Association. 2006, captives really did Bankers are encouraged to contact Travis Holdnot take hold for midman, national sales director, to learn is KeyState’s size community banks Bank Captive Program is a good fit for their ($400 mm - $5bn) until institution [telephone 260- 227-0265 or email an updated structure tholdman@key-state.com]. was designed and vetted with regulators in 2012. Since that time the number of bank holding companies to more formally self-insure risks that that have put captives in place has in- are currently unfunded or that the bank creased dramatically. has considered retaining (i.e., increased It is important to recognize that the deductible layers). Typically, the captive captive structure does not typically replace augments commercial policies in the fola bank’s primary commercial insurance lowing ways: program. However, it does allow a bank Continued on Page 12

Special Thanks to our Major Convention Sponsors

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SILENT AUCTION MBA EDUCATION FOUNDATION COMING SOON AT MBA CONVENTION A

SILENT AUCTION EHQHÃ&#x20AC;WWLQJ MBA Education Foundation DW WKH 2017 MBA Convention THURSDAY, MAY 18 DW WKH Trustmark Bank Party SILENT AUCTION EHJLQV DW 6:00 P.M. DQG HQGV DW 7:30 P.M. MARCH/APRIL 2017

Banks using captive insurance for ERM (Continued from page 10) •

Covers the bank’s commercial deductible layers • Provides “difference in conditions” coverage for existing commercial policies, which primarily relate to sub-limits and exclusions on the commercial policy form • Increases coverage levels on existing policies (excess layers) • Identifies other currently unfunded risks to insure where commercial insurance is not available to the bank. Along with benefits received from enhancing a bank’s risk management process, Congress approved a small business incentive for mid-size companies that form their own insurance companies to insure these currently unfunded risks. Through the incentive, banks can form their own captive insurance companies and then make an election under Section 831(b) of the Internal Revenue Code.

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This allows companies to pre-fund for potential future risks on a tax advantaged basis, provide an incentive to set money aside for future potential claims and create a mechanism for companies to formalize their current self-insurance program. In the December 2015 Appropriation Bill, Congress moved the annual allowable premium limit from $1.2 million to $2.2 million starting in 2017. Of course, this solution is not a fit for every bank. This solution should only be implemented by banks with sufficient capital and earnings. Holding companies that want to form a captive must be well managed and well capitalized and their affiliated bank that pays premiums into their captive must have sufficient capital and earnings to support the additional insurance expense at the bank level. Captive insurance companies are a growing trend for high performing banks throughout the country. As banks

become more aware of their unfunded risks through ongoing enterprise risk management, the captive offers a unique and customized approach to identify and fund for those risks on an annual basis. And, the significant small business incentive provided under Section 831(b) of the tax code provides further motivation to implement the structure.

Josh Miller (jmiller@keystate.com) is the CEO of KeyState Captive Management, which runs the nation’s largest bank captive program. This program is endorsed by 26 state banking associations.

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MBA Officers and Board of Directors 2016-17 CHAIRMAN

VICE CHAIRMAN

Frank Sibley Citizens Bank and Trust Co. Marks Preceding Chairman

George Marx Copiah Bank Hazlehurst

Jerry Host Trustmark National Bank Jackson

Retiring Chairman

At Large

Dan Rollins BancorpSouth Tupelo

Freddie Bagley Community Bancshares of MS Brandon

Group 1

Group 2

Mark Tapp Farmers & Merchants Bank Booneville

Michael Dudley The Commercial Bank DeKalb

At Large

Group 1

Dennis Ammann Peoples Bank Mendenhall

Arthur DuCote Regions Bank Jackson

Mitch Waycaster Renasant Bank Tupelo

Group 3

Frank West First Security Bank Batesville

Group 6

Group 4

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

Group 7

Andy Anderson Bank of Anguilla Anguilla

Mary Childs The Peoples Bank Ripley

At Large

Group 2

Steve Gresham Bank of Holly Springs Holly Springs

Group 5

TREASURER

James Wicker

Pike National Bank

McComb

Eddie Hammond Bank of Winona Winona

Group 8

Hoppy Cole The First Hattiesburg

Greg Cronin Charter Bank Biloxi

MBA Staff

Mac Deaver President

Amy Davis Sr. Vice President Operations

Gordon Fellows Sr. Vice President Govt. Relations

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Gail Sykes Business Manager

Sherell Taylor Manager of Ins. Services

Rachel Chew Manager of Communications

MARCH/APRIL 2017

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MARCH/APRIL 2017

CHAIRMAN

2016-2017 MBA OFFICERS VICE CHAIRMAN

TREASURER

Frank Sibley

Jerry Host

Mary Childs

Citizens Bank & Trust Marks

Trustmark National Bank Jackson

The Peoples Bank Ripley

CONVENTION SPEAKERS Fred Barnes

Executive Editor, The Weekly Standard and Fox News Contributor

Dorothy Savarese

Jill Castilla

President & CEO, Citizens Bank of Edmond, OK

Chairman, ABA Cape Cod Five Cents Savings Bank, Orleans, MA

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Preston Kennedy Vice Chairman, ICBA Bank of Zachary, LA

Dr. Ed Seifried

Professor Emeritus of Economics and Business, Lafayette College

SCHEDULE OF EVENTS WEDNESDAY, MAY 17

2:30 – 8 p.m.........................................................................................................................Registration 6-8 p.m............................................................................Welcome Reception & Trade Show Open

THURSDAY, MAY 18

7:30 a.m. – 2:30 p.m.......................................................................................Registration Desk Open 7:15 a.m....................................................................................................................Sunrise Devotional 7:30 – 8:30 a.m............................................................. Continental Breakfast (in Trade Show area) 7:30 – 9 a.m.............................................................................................................. Trade Show Open 9:00 a.m. – 1200 noon................................................................................................ General Session 12 noon – 1:30 p.m............................................................. Convention-Wide Buffet in Trade Show 12 noon – 3 p.m...................................................................................................... Trade Show Open 6 - 7:30 p.m.......................................................................................... Trustmark National Bank Party 6 - 7:30 p.m.................................................Silent Auction benefitting MBA Education Foundation

FRIDAY, MAY 19

7:30 a.m. – 12 noon.......................................................................................Registration Desk Open 7:15 a.m....................................................................................................................Sunrise Devotional 7:30 a.m..................................... Graduate School of Banking at LSU Breakfast (Graduates Only) 7:30 – 8:30 a.m................................................................................................... Continental Breakfast 8:30 – 11 a.m................................................................................................................ General Session 11:00 a.m.........................................................................................................Grand Prize Giveaways 12 noon...................................................MBA Golf Tournament sponsored by Stockett & Thomas 6:00 - 7:00 p.m........................................................FNBB and FNBB Capital Markets Cocktail Party

7:30 7:15 7:30 7:30 8:30 9:00 6:00 7:00

SATURDAY, MAY 20

a.m. – 11:30 a.m.....................................................................................Registration Desk Open a.m....................................................................................................................Sunrise Devotional a.m...................................................................... Federal Home Loan Bank of Dallas Breakfast – 8:30 a.m................................................................................................... Continental Breakfast a.m. – 11:00 a.m...................................................................................................Business Session a.m...................................................................................................... Spouse Program & Brunch - 7:00 p.m......................................................... Federal Home Loan Bank of Dallas Reception p.m....................................................................................................................... Annual Banquet MARCH/APRIL 2017

ENTERTAINMENT ANNUAL BANQUET ENTERTAINMENT

SPOUSE PROGRAM & BRUNCH SPEAKER

The Tip Tops

Julia Reed

Thanks To Our Convention Sponsors Adams & Reese LLP All Covered

Crews & Associates Investment Bankers Crowe Horwath LLP

American Bankers Association

Duncan-Williams

BankFirst Financial Services

Federal Home Loan Bank of Dallas

Sawyers & Jacobs

FNBB & FNBB Capital Markets

ServisFirst Bank

First Tennessee Correspondent Services

Southeastern Commercial Finance, LLC

Graduate School of Banking at LSU

Stockett & Thomas

Hederman Brothers

Texas Capital Bank

Independent Community Bankers of America

Trustmark National Bank

BKD, LLP Brunini, Grantham, Grower & Hewes, PLLC Butler Snow LLP Cantor Fitzgerald Citizens Bank & Trust Company Crescent Mortgage Company

Inn at Ole Miss

Jones Walker LLP Mississippi State University Dept. of Finance & Economics Premier Insights

Works 24

This list includes 2017 MBA Convention Sponsors at press time. A full list of sponsors will be available at convention. 20

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No. Year Served

Chairman’s Name and Hometown

MBA PAST CHAIRMEN Convention Site

No. Year Served

Chairman’s Name and Hometown

Convention Site

1889-90 * S.S. Carter, Jackson...............................................Jackson 65. 1953-54 * R.P. Parish, Jr., Greenwood........................................Biloxi 1890-91 * W.A. Pollock, Greenville..................................... Meridian 66. 1954-55 * W.W. Hollowell, Greenville......................................Biloxi 1891-92 * Lee Richardson, Vicksburg.................................... Natchez 67. 1955-56 * S.E. Babington, Magnolia.........................................Biloxi 1892-93 * A.G. Campbell, Natchez....................................Vicksburg 68. 1956-57 * J.T. Brown, Jackson...................................................Biloxi 1893-94 * R.W. Millsaps, Jackson.....................................Yazoo City 69. 1957-58 * C.E. Morgan, Kosciusko...........................................Biloxi 1894-95 * J.W. Griffis, Grenada............................................Jackson 70. 1958-59 * R.C. Liddon, Corinth.................................................Biloxi 1895-96 * C.W. Robinson, Meridian......................................Jackson 71. 1959-60 * L.Y. Foote, Hattiesburg..............................................Biloxi 1896-97 * James E. Negus, Greenville....................................Jackson 72. 1960-61 * E.P. Peacock Jr., Clarksdale........................................Biloxi 1897-98 * G.D. Able, Water Valley................................ Water Valley 73. 1961-62 * Wylie V. Kees, Magee.............................................Biloxi 1898-99 * J.A. Conway, Vicksburg..................................... Greenville 74. 1962-63 * Thad B. Lampton Jr., Columbia...................................Biloxi 1899-1900 * Phil A. Rush, Senatobia....................................... Grenada 75. 1963-64 * C.C. Eason, Tupelo..................................................Biloxi 1900-01 * R.L. Bennett, Yazoo City.........................................Canton 76. 1964-65 * N.S. Rogers, Jackson................................................Biloxi 1901-02 * B.L. Roberts, Canton......................................... West Point 77. 1965-66 * C.A. Miller Jr., Greenwood........................................Biloxi 1902-03 * J.J. White, McComb.................................... McComb City 78. 1966-67 * Orrick Metcalfe, Natchez..........................................Biloxi 1903-04 * J.T. Thomas, Grenada...................................... Hattiesburg 79. 1967-68 * W. Liddon McPeters, Corinth.....................................Biloxi 1904-05 * F.W. Foote, Hattiesburg.......................................... Tupelo 80. 1968-69 * H.P. Heidelberg Jr., Pascagoula..................................Biloxi 1905-06 * J.W. McGrath, Brookhaven.................................Vicksburg 81. 1969-70 * C.E. Morgan Jr., Kosciusko........................................Biloxi 1906-07 * E. McMorries, Meridian...................................... Meridian 82. 1970-71 * S.D. Davis, Mendenhall............................................Biloxi 1907-08 * John M. Fletcher, Kosciusko....................................Gulfport 83. 1971-72 * C.S. McGivaren, Clarksdale.....................................Biloxi 1908-09 * O. Newton, Jr., Jackson...................................Brookhaven 84. 1972-73 * J.C. Whitehead Jr., Tupelo.........................................Biloxi 1909-10 * W.M. Anderson, Jackson................................... Columbus 85. 1973-74 * Leo W. Seal Jr., Gulfport............................................Biloxi 1910-11 * B.W. Griffith, Vicksburg....................................... Natchez 86. 1974-75 * R. Ben Lampton, Jackson...........................................Biloxi 1911-12 * C.H. Williams, Yazoo City.............................. Greenwood 87. 1975-76 * William E. Howard Jr., Laurel.....................................Biloxi 1912-13 * Q.B. Quinn, McComb.........................................Gulfport 88. 1976-77 * John H. Mitchell Jr., Starkville......................................Biloxi 1913-14 * J.F. Flournoy, Canton......................................... West Point 89. 1977-78 * Ray K. Smith, Greenville............................................Biloxi 1914-15 * Henry Hart, Winona..........................................Vicksburg 90. 1978-79 * R.D. Gage III, Port Gibson.........................................Biloxi 1915-16 * S.J. High, Tupelo...................................................Jackson 91. 1979-80 * Paul W. McMullan, Hattiesburg.................................Biloxi 1916-17 * J.A. Bandi, Gulfport................................................. Laurel 92. 1980-81 * Don F. Calfee, Brandon.............................................Biloxi 1917-18 * W.P. Kretschmar, Greenville................................ Greenville 93. 1981-82 Douglas A. Herring, Starkville.....................................Biloxi 1918-19 * R.C. King, Greenwood................................. Camp Shelby 94. 1982-83 * Cecil F. Robbins, Edwards.........................................Biloxi 1919-20 * Thad B. Lampton, Jackson.................................. Clarksdale 95. 1983-84 * R.E. Kennington II, Grenada......................................Biloxi 1920-21 * T.W. McCoy, Vicksburg................................ Gulfport-Biloxi 96. 1984-85 * Raymond L. Davis, Brookhaven..................................Biloxi 1921-22 * W.D. Davis, Brookhaven.....................................Vicksburg 97. 1985-86 * M.F. Kahlmus, Meridian............................................Biloxi 1922-23 * E.P. Peacock, Clarksdale........................................Jackson 98. 1986-87 * F. Farrell Berryhill, Pontotoc.........................................Biloxi 1923-24 * H.C. Herring, Moss Point.................................... Meridian 99. 1987-88 * D.P. McGowan, Yazoo City......................................Biloxi 1924-25 * R.B. Clark, Tupelo............................................. Columbus 100. 1988-89 Lewis F. Mallory Jr., Starkville......................................Biloxi 1925-26 * J.B. Stirling, Jackson...............................................Jackson 101. 1989 * Leon C. Williamson, Magnolia..................................Biloxi 1926-27 * O.B. Taylor, Jackson.................................................Biloxi 102. 1989-91 E.B. Robinson Jr., Jackson................. Panama City Beach, FL 1927-28 * A.D. Simpson, Meridian............................ Edgewater Gulf 103. 1991-92 Jack B. Yates, Lexington.................... Panama City Beach, FL 1928-29 * F.H. Parker, Canton............................................ Memphis 104. 1992-93 Bobby P. Martin, Ripley.................... Panama City Beach, FL 1929-30 * N.H. Crenshaw, Jackson...........................................Biloxi 105. 1993-94 * Earl W. Lundy, Vicksburg.................. Panama City Beach, FL 1930-31 * B.C. Adams, Grenada.........................................Gulfport 106. 1994-95 E.E. Prestridge, Hazlehurst................ Panama City Beach, FL 1931-32 * J.W. Slaughter, Columbus.......................................Jackson 107. 1995-96 Aubrey Patterson Jr., Tupelo............................Nashville, TN 1932-33 * G.M. McWilliams, Hattiesburg............................ Memphis 108. 1996-97 * Larry Pratt, Batesville........................ Panama City Beach, FL 1933-34 * M. Gerald Burrow, Tunica......................................Jackson 109. 1997-98 George A. Schloegel, Gulfport..................................Biloxi 1934-35 * H.H. Chambliss, Laurel.............................................Biloxi 110. 1998-99 Vance L. Witt, New Albany.......................................Biloxi 1935-36 * B.J. Carter, Jr., Meridian......................................Vicksburg 111. 1999-2000 Fred Miller, Anguilla............................................ Destin, FL 1936-37 * George C. Wallace, Jackson............................... Memphis 112. 2000-01 W. Page Ogden, Natchez.......................................Biloxi 1937-38 * Conwell Sykes, Clarksdale......................... Edgewater Gulf 113. 2001-02 Steve Webb, Philadelphia................ Panama City Beach, FL 1938-39 * W.A. Montgomery, Edwards.........................New Orleans 114. 2002-03 S. Griffin Norquist Jr., Yazoo City................................Biloxi 1939-40 * A.L. Rogers, New Albany..........................................Biloxi 115. 2003-04 Hugh S. Potts Jr., Kosciusko.................................. Destin, FL 1940-41 * Frank R. McGeoy Jr., Greenwood..............................Biloxi 116. 2004-05 T.E. “Gene” Walker, Forest.................................. Destin, FL 1941-42 * W.H. Negus, Greenville...........................................Biloxi 117. 2005-06 Huey L. Townsend, Belzoni.................................. Destin, FL 1942-43 * W.M. Mounger, Jackson...........................................Biloxi 118. 2006-07 Harry M. Walker, Jackson................................... Destin, FL 1943-44 * Leo W. Seal, Bay St. Louis......................................Jackson 119. 2007-08 James H. Clayton, Indianola................................ Destin, FL 1944-45 * M.D. Brett, Jackson...................................................Biloxi 120. 2008-09 William D. Sones, Brookhaven............................. Destin, FL 1945-46 * G.J. Hauenstein, Hattiesburg...................................Jackson 121. 2009-10 E. Robinson McGraw, Tupelo............................... Destin, FL 1946-47 * Walter Page, Starkville..............................................Biloxi 122. 2010-11 Joel C. Clements, Waynesboro............................ Destin, FL 1947-48 * W. Stennis Johnson, McComb...................................Biloxi 123. 2011-12 Carl J. Chaney, Gulfport...................................... Destin, FL 1948-49 * Frank E. Allen, Canton..............................................Biloxi 124. 2012-13 H. Gregory Taylor, Holly Springs.......................... Destin, FL 1949-50 * P.C. Williams, Yazoo City.........................................Biloxi 125. 2013-14 Odean Busby, Magee........................................ Destin, FL 1950-51 * W.B. Herring, Pascagoula........................................Biloxi 126. 2014 -15 Freddie Bagley, Brandon..................................... Destin, FL 1951-52 * L.G. Simmons, Pontotoc............................................Biloxi 127. 2015-16 George Marx, Hazlehurst................................... Destin, FL 1952-53 * W.P. McMullan, Jackson...........................................Biloxi EXECUTIVE DIRECTORS/PRESIDENTS M A -R1992 CH/APRIL 2017 21 * B.W. Griffith, 1889-1913 * George B. Power, 1918-1944 * Leigh Watkins Jr., 1946-1970 J. Ben Woods, Jr., 1984 * Thomas H. Dickson, 1913-1918 * Buford Yerger, 1944-1946 * John R. Hubbard, 1970-1984 McKinley W. Deaver, 1993 - *Deceased

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 43. 44. 45. 46. 47. 48. 49. 50. 51. 52. 53. 54. 55. 56. 57. 58. 59. 60. 61. 62. 63. 64.

MYB Convention Recap THE MISSISSIPPI BANKER

‘Rooted in Tradition” draws over 440 to MYB Convention and Study Conference Over 440 attended the 2017 MYB Convention and Study Conference, held March 11-15 at Marriott’s Grand Hotel in Pt. Clear, Alabama. The theme of this year’s convention was “Rooted in Tradition." MYB President Kent Mortimer of Bank of Kilmichael in Kilmichael presided over the convention, which was highlighted by the election of new officers and councilmen and the presentation of scholarships sponsored by MYB and MBA Education Foundation. The 2017 convention featured a number of fun and educational events designed to promote fellowship among the bankers and families in attendance. The convention opened with a welcome by MYB Vice President Wes Rouse on Sunday, March 12. Sunday’s general session speakers included acclaimed economist Wil Tustin and workplace generational expert Cam Marsden. New this year, a CEO panel comprised of MBA Chairman Frank Sibley, MBA Vice Chairman Jerry Host, Former MBA Chairman Jimmy Clayton and former MBA Chairman Bill Sones, provided great insight based on the vast banking experience represented in the panel on Monday. Monday's general session closed out with Lieutenant Colonel Robert Darling who shared his riveting experience in the President's bunker on 9/11. During the convention, two annual scholarships were awarded. Zachary Irons of The University of Southern Mississippi was named the 2017 Swayze Scholar and was presented a $5,000 award. The Merit Scholarship was awarded to Julia Hancock. The scholarship awards were presented at the annual MYB Banquet by Jerome Brown, member of the MYB Scholarship Committee. (More information on the Swayze Awards and Merit Scholarship can be found on page 24). 22

Wes Rouse, Magnolia State Bank, Hattiesburg, was elected MYB President for 2017-18 during the annual business session. The membership also elected Bob Glover, The Peoples Bank, Ripley, as MYB Vice President and Marc Petro, Community Bank of Mississippi, Ridgeland, as MYB Treasurer for the new year. (A complete list of newly elected officials and councilmen can be found MYB President Kent Mortimer, Bank of Kilmichael, provides his closing remarks on his year as MYB President. on page 23).

Convention speakers provided informative and riveting presentations during the MBA General Sessions. (L to R): Economic Forecaster Will Tustin of Federated Investors; Workplace Generational Expert Cam Marston; and Lieutenant Colonel Robert Darling.

CEO panel comprised of four experienced and celebrated Mississippi bank CEOs offered great insight at the MYB Convention. L to R: MBA Chairman Frank Sibley; MBA Vice Chairman Jerry Host; Former MBA Chairman Jimmy Clayton; and Former MBA Chairman Bill Sones.

THE MISSISSIPPI BANKER

MYB Convention Recap

THE MISSISSIPPI BANKER

Young Bankers elect leaders for 2017-18 At the 2017 MYB Convention, Wes Rouse of Magnolia State Bank in Hattiesburg was elected MYB President for the coming year. Other MYB officers elected included Bob Glover (vice president) of The Peoples Bank in Ripley and Marc Petro (treasurer) of Community Bank of Mississippi in Ridgeland. Kent Mortimer (immediate past president) of Bank of Kilmichael, and Parker England (retiring past president) of Planters Bank & Trust Company in Greenville remain on the council. Newly elected MYB Councilmen are Brian Hughes, PriorityOne Bank, Pearl; Bill Kilduff, Community Bank, Coast,

Pascagoula; Jeffrey King, Bank of Holly Springs, Holly Springs; Aaron Oberschmidt, Trustmark National Bank, Columbus, Gage Walker, Renasant Bank, Brandon. They join returning councilmen David Burt, BankFirst Financial Services in Newton; Michael Gates, Bank of Franklin, Meadville; Greg Hodges, Hancock Bank, Hattiesburg; Drew Kenna, Bank of Forest, Forest; Incoming MYB President Wes Rouse of Magnolia State Amanda Kent, BNA Bank, New Bank, Hattiesburg, accepts the gavel from outgoing presiAlbany; and Bradley Lunceford, dent Kent Mortimer of Bank of Kilmichael. First National Bank of Clarksdale, Clarksdale.

2017-2018 MYB OfďŹ cers: (L to R) Bob Glover (Vice President), The Peoples Bank, Ripley; Wes Rouse (President), Magnolia State Bank, Hattiesburg; Marc Petro (Treasurer), Community Bank of Mississippi, Ridgeland.

2017-2018 MYB OfďŹ cers and Councilmen: BACK ROW (L to R): Amanda Kent, BNA Bank, New Albany; Jeffrey King, Bank of Holly Springs, Holly Springs; Bradley Lunceford, First National Bank of Clarksdale, Clarksdale; Drew Kenna, Bank of Forest, Forest; Brian Hughes, PriorityOne Bank, Magee; Michael Gates, Bank of Franklin, Meadville; Bill Kilduff, Community Bank, Coast, Pascagoula; Greg Hodges, Hancock Bank, Hattiesburg; Gage Walker, Renasant Bank, Brandon; and (not pictured) Adam Cox, BankFirst Financial Services, Madison; and Aaron Oberschmidt, Trustmark National Bank, Columbus. FRONT ROW (L To R): Parker England, Planters Bank & Trust Company, Greenville; Kent Mortimer, Bank of Kilmichael, Kilmichael; Brooke McCoy, Mississippi Bankers Association, Jackson, Bob Glover, The Peoples Bank, Ripley, Ripley; Wes Rouse, Magnolia State Bank, Hattiesburg; Marc Petro, Community Bank, Ridgeland; Zach Luke, Bank of Commerce, Greenwood; and Ken Cyree, University of Mississippi, Oxford. MARCH/APRIL 2017

Zachary Irons named 2017 Swayze Scholar Zachary Irons, a senior at the University of Southern Mississippi, was named the 2017 Swayze Scholar on March 14 at the Mississippi Young Bankers Convention. Irons received the Swayze Medallion and a cash award of $5,000 from the MBA Education Foundation. The Orrin H. Swayze Scholastic Awards have recognized outstanding college seniors studying banking at Mississippi universities since 1979. The annual awards bear the name of Orrin H. Swayze, who was a widely respected Mississippi banker and a pioneer in banking education. Among other things, Swayze was the founding director of the Graduate School of Banking at LSU. Each year, college seniors studying banking and finance at Mississippiâ&#x20AC;&#x2122;s public universities are nominated by their professors as candidates for the Swayze Awards.

The MYB Scholarship Committee selects five finalists and, during the MYB Convention, conducts interviews and names the Swayze Scholar. This yearâ&#x20AC;&#x2122;s Swayze Finalists included Bryan Burton, Mississippi State University; Mary Chandler Izard, University of Mississippi; Picasso Nelson Jr., University of Southern Mississippi; and Brian Reed, University of Mississippi. They were recognized at the MYB banquet on March 14 and received cash awards of $1,500 each. The Swayze Awards represent one of a series of scholarship awarded each year through the cooperative efforts of MYB and the MBA Education Foundation. A committee of bankers evaluates nominees and makes the awards. This year, Jennifer Swoope, BancorpSouth, West Point, served as chairman of the Scholarship Committee. She was joined on the

Zachary Irons, University of Southern Mississippi, is the 2017 Swayze Scholar.

committee by Jerome Brown, The First, Hattiesburg; David Burt of BankFirst Financial Services, Newton; Greg Hodges, Hancock Bank, Hattiesburg and Bradley Lunceford, First National Bank of Clarksdale; Clarksdale.

BACK ROW: Swayze Advisors (L to R): Dr. Alvaro Taboada, Mississippi State University; Dr. Steven Stelk, University of Southern Mississippi; Dr. Wayne Kelly, University of Southern Mississippi; and Dr. Ken Cyree, University of Mississippi. FRONT ROW: Swayze Scholar and Finalists (L to R): Bryan Burton, Mississippi State University; Picasso Nelson Jr., University of Southern Mississippi; Swayze Scholar Zachary Irons, University of Southern Mississippi; Mary Chandler Izard, University of Mississippi; and Brian Reed, University of Mississippi.

Hancock awarded Merit Scholarship Julia Hancock, a senior at St. Patrick Catholic High School, was awarded the 2017 Merit Scholarship on March 15 during the MYB Convention. Benson received a cash award of $1,500. The Merit Scholarship is given each year by MYB and the MBA Education Foundation to a deserving Mississippi high school senior whose parent is employed by an MBA member financial institution. Hancock is the daughter of Tiffany Hancock, Trustmark National Bank. 24

THE MISSISSIPPI BANKER

L to R: Parker England, Frankie England and Traci Rouse pose for photo.

L to R: Catie Haynes, Kay Sibley and Lindsey Luke enjoy the reception prior to the Annual Banquet.

Kids lined up to receive balloon animal creations by the featured Stilt Walker at the President's Party.

Rebecca Barrentine and Jamie Petro enjoy the President's Party festivities.

Kent Mortimer and family celebrate a successful year as MYB President. L to R: Wiley, Britanny, Kent and Hughes Mortimer.

Spouses decorate cookies at the royal icing decorating event on Tuesday, March 14.

Luther Wade and his son, Luther, enjoy the various kid activities at the President's Party on Sunday night.

MYB Officer spouses pose for a photo at the spouse event on Tuesday. L to R: Amberly Glover, Britanny Mortimer, and Traci Rouse.

Families danced to music by Mustache the Band during the President's Party.

MARCH/APRIL 2017

Bankers on the Move

THE MISSISSIPPI BANKER

The Citizens Bank, Philadelphia Susan Brown has been promoted to Deposit Operations Officer of the bank's Decatur branch. She earned her associate's degree in business from East Central Community Brown College. Brown has over 20 years of banking experience. Ray Stone has been promoted to Senior Vice President and Chief Credit Officer. He received a bachelor of business administration degree and a minor in Computer Stone Science from Delta State University. Stone has been with The Citizens Bank, Philadelphia, since 2010. Mark Taylor has been promoted to Senior Vice President and Chief Operating Officer. He received his bachelor of professional accountancy degree and master's of business Taylor administration degree from Mississippi State University. Taylor is a graduate of Southern Trust School at Spring Hill College and the Mississippi School of Banking.

Community Bank, Coast Matt Boney has been promoted to Assistant Vice President for Community Bank, Coast. He received his bachelor's degree from the University of South Alabama and is a Boney graduate of the Mississippi School of Banking. Boney has over six years of banking experience. 26

Community Bank, Coast

First Bank, McComb

Leslie Kelley has been promoted to Vice President, Business Development for Community Bank, Coast. She is a graduate of the Mississippi School of Banking and Kelley serves as County Chair of Group 8 for Mississippi Young Bankers. Kelley has over 13 years of banking experience.

Richard Dodd has been promoted to Senior Vice President of Information Technology at First Bank. He is a graduate of Mississippi State University with a degree in Dodd Information Technology. Dodd serves on the MBA Communication Council and has more than 13 years of banking experience.

William "Bill" C. Kilduff has been promoted to Executive Vice President for Community Bank, Coast. He received his bachelor of business administration in bankKilduff ing and finance from the University of Mississippi. Kilduff is also a graduate of the Graduate School of Banking at LSU. He serves as on the Mississippi Young Bankers council and has nine years of banking experience.

Andrew Johnson has joined First Bank as Vice President Construction Lending. He holds a degree in international economics from the University of Southern Mississippi Johnson and attended the Mississippi School of Banking and the Graduate School of Banking at LSU.

First Bank, McComb Pat Bourg joined First Bank, McComb, as Vice President Retail Lending at the branch in Magnolia. He graduated from Louisiana State University with a bachelor's degree Bourg in finance and holds a master's of divinity degree from New Orleans Theological Seminary. Bourg also attended the Graduate School of Banking at LSU and the Oklahoma School of Banking.

THE MISSISSIPPI BANKER

Ja m a l Po r t e r h a s joined First Bank as Branch Manager of the Woodstone Office in Hattiesburg. He is a graduate of the University of Southern Mississippi with a bachelor's degree in Porter business administration and management. Hailey Stewart has been promoted to Retail Lender. She is a graduate of Southwest Mississippi Community College and attended Mississippi State University. Stewart has Stewart been with First Bank for six years. Beth Williamson has been promoted to Assistant Vice President. Williamson has been with First Bank for 20 years. Williamson

Bankers on the Move

THE MISSISSIPPI BANKER

First Security Bank Justin Hill has been promoted to Chief Operating Officer. He graduated from Mississippi State University with a bachelor's degree in business administration. Hill Hill is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at LSU. He has almost 18 years of experience in banking. Susan Neal has been promoted to Assistant Vice President. Neal has 18 years of banking experience. Neal

Guaranty Bank & Trust Company LaRuth Ashley has been promoted to Senior Vice President. She earned her associate of arts degree in data processing and is a graduate of the Mississippi School of Banking. Ashley Ashley has 35 years of banking experience. Diedre Barret has been promoted to Senior Vice President and Cash Management Specialist. She attended Delta State University and is a graduate of the American Bankers Barret Association's Marketing School and the Mississippi School of Banking. Barret currently serves as Chairman of the MBA Communications Council.

Guaranty Bank & Trust Company Sonya Reginelli has been named Assistant Vice President and Compliance Officer. She is a honors graduate of Delta State University with a bachelor's degree in business Reginelli management. Reginelli has been with Guaranty Bank for six years. Wendy Witherspoon has been promoted to Branch Officer at the Highway 1 office in Greenville. Witherspoon has been with Guaranty Bank since 2006.

Witherspoon

Farmers and Merchants Bank

Farmers and Merchants Bank Tresa Hall was promoted to CFO and Compliance Officer. She is a graduate of the University of Mississippi with a degree in accounting and is a CPA. Hall has been with Hall Farmers and Merchants Bank for 22 years. Lara Beth Manley has been promoted to Assistant Vice President Operations. She earned her bachelor's degree in business administration from Mississippi State Manley University. Manley joined Farmers and Merchants Bank in 2012. Cindy Pratt has been promoted to Assistant Vice President - Deposits. She received her associate's degree in micro computer information processing from Northeast MissisPratt sippi Community College. Pratt has been with Farmers and Merchants Bank for 12 years.

Mhini Bowdry has been promoted to Assistant Vice President - Loan Officer. Bowdry earned a bachelor of science degree in interdisciplinary studies from Mississippi Bowdry State University and an associate of arts degree in business adLisa Russell was proministration from Northeast Mississippi moted to Human ReCommunity College. sources Officer and Assistant Compliance Officer. Mark Collum was proShe received her associate's moted to Vice President degree in paralegal tech- Internal Audit & Assisnology from Northeast tant Compliance Officer. Russell Mississippi Community He is a graduate of the College. Russell has been with Farmers University of Mississippi and Merchants Bank since 2012. with a bachelor's degree Collum in business administraPaige Witt was protion. Collum holds CFSA and CAMS moted to Debit Card Officertifications. He has 22 years of banking cer. She received her busiexperience, with the last 18 at Farmers and ness administration degree Merchants Bank from Blue Mountain College. Witt has been with Farmers and Merchants Witt Bank for 10 years. MARCH/APRIL 2017

Bankers on the Move

THE MISSISSIPPI BANKER

Peoples Bank, Medenhall Noel Temple has been promoted to Loan Operations Officer. She studied data processing at East Central Community College. Temple has been in banking for 28 years.

Temple

Allison Winstead has been promoted to Collections Officer. Winstead is a Summa Cum Laude graduate of Belhaven University. Winstead

Planters Bank & Trust Co. Chase McPherson has been promoted to Assistant Vice President for the Greenville office. He earned a bachelor's of business administration degree in business inforMcPherson mation systems. McPherson is also a graduate of Mississippi School of Banking and the Southeastern School of Consumer Credit. He currently serves as County Chairman for the Mississippi Young Bankers. Charlotte Michael has been promoted to Branch Officer for the Greenwood office. Michael has seven years of banking experience. Michael

Planters Bank & Trust Co.

PriorityOne Bank

Jody Moor has been promoted to First Vice President. He is a graduate of Mississippi State University with a bachelor's degree in business administration. Moor is also a Moor graduate of the Graduate School of Banking at LSU, Southeastern School of Commercial Lending and Consumer Credit.

Kory Moore has been named Vice President/ Commercial Loan Officer for its Hattiesburg market. He earned a bachelor's and master's degree of science from the University Moore of Southern Mississippi. Moore also currently serves as a 2nd Lieutenant in Mississippi Air National Guard.

Abby Murphy has been promoted to Branch Officer for the Greenville office. She graduated from Delta State University with a bachelor's degree in business administration. Murphy Murphy joined Planters Bank in 2008. Sarah Nabors has been promoted to Operations Officer/Loan Operations. Nabors has been with Planters Bank since 2002.

Regions Bank Nabors

Grant E. Phillips has been promoted to Assistant Vice President for the Indianola branch. He graduated cum laude from Mississippi College and is a graduate of the SouthPhillips eastern School of Consumer Credit and the Mississippi School of Banking. Phillips joined Planters Bank in 2013.

NEW HIRES, PROMOTIONS? Send your submissions to rchew@msbankers.com

THE MISSISSIPPI BANKER

Ray Palmer has been named Senior Vice President for PriorityOne's Hattiesburg market. He holds a bachelor of business administration with a major in finance from Palmer Mississippi State University. Palmer is also a graduate of the American Bankers Association's National Commercial Lending School and the Southeastern School of Consumer Credit.

Christopher A. Wallace has been promoted to the position of Vice President, SBA Lending Specialist. He earned his bachelor's degree from Mississippi State UniverWallace sity and a master's degree from Northcentral University. Wallace has more than 15 years of experience.

Trustmark National Bank Rachael McInnis has been promoted to Assistant Vice President at its corporate headquarters in Jackson. She earned a master of business administration degree in finance McInnis and a bachelor of science degree in business administration with a concentration in accounting from Mississippi College.

MBA Professional Development

Webinars

Training opportunities at your convenience

Opening Accounts for Nonprofits & Charities 10:00 a.m. - 12:00 p.m.

TUESDAY, MAY 2

Call Reports: RC-C Loan Coding and Related RC-R Reporting 10:00 a.m. - 12:00 p.m.

WEDNESDAY, MAY 10

WEDNESDAY, MAY 24

Lending 101 1:30 - 3:30 p.m.

Providing Accurate and Timely Adverse Action Notices 1:30 - 3:30 p.m.

Regulatory Pressure on Third Party Management 10:00 a.m. - 12:00 p.m.

THURSDAY, MAY 11

Compliance Perspectives 1:00 - 2:00 p.m.

WEDNESDAY, MAY 3

Consumer Compliance Rating System 10:00 a.m. - 12:00 p.m. Understanding Commercial Loan Documents 1:30 - 3:30 p.m.

THURSDAY, MAY 4

Top 10 Missing FFIEC Cybersecurity Assessment Controls 10:00 a.m. - 12:00 p.m. Coaching Tellers to Excellence 1:30 - 3:30 p.m.

FRIDAY, MAY 5

Bank Call Report Preparation for Beginners 10:00 a.m. - 12:00 p.m.

MONDAY, MAY 8

Officer Calling: Prospecting, Preparing & Presentation 1:30 - 3:30 p.m.

TUESDAY, MAY 9

Customer Identification Programs and Customer Due Diligence 10:00 a.m. - 12:00 p.m. Fair Lending Hot Topics in 2017 1:30 - 3:30 p.m.

Controlling the Risks of Power of Attorney Documents 10:00 a.m. - 12:00 p.m.

MONDAY, MAY 15

Problem Loan Workout in Today's Market 1:30 - 3:30 p.m.

TUESDAY, MAY 16

Living Trust Documents 10:00 a.m. - 12:00 p.m.

WEDNESDAY, MAY 17 Basic Underwriting 10:00 a.m. - 12:00 p.m.

THURSDAY, MAY 18 Escrows 10:00 a.m. - 12:00 p.m.

CRE Lending: Cash Flow Analysis & Cap Rates 1:30 - 3:30 p.m.

MONDAY, MAY 22

For Salespeople: Learn How Top Producing Bankers Prospect for Business 12:00 p.m.

TUESDAY, MAY 23

Regulation DD (Truth in Savings): Common Errors 10:00 a.m. - 12:00 p.m.

MLA Essentials 10:00 a.m. - 12:00 p.m.

THURSDAY, MAY 25

MONDAY, JUNE 5

Writing an Effective Credit Memorandum 1:30 - 3:30 p.m.

TUESDAY, JUNE 6

Notary Public 10:00 a.m. - 12:00 p.m. Completing Three Key Risk Assessments 1:30 - 3:30 p.m.

WEDNESDAY, JUNE 7 Prepaid Accounts 10:00 a.m. - 12:00 p.m.

Basic Real Estate Loan Documentation 1:30 - 3:30 p.m. Jack's Compliance Resource 1:30 - 3:30 p.m.

THURSDAY, JUNE 8

Writing New Accounts Procedures with New CDD 10:00 a.m. - 12:00 p.m.

For MBA webinars, please visit www.msbankers.com/ calendar-of-events or call (601) 948-6366 MARCH/APRIL 2017

MBA Classified Ads

THE MISSISSIPPI BANKER

Below is a sample of the various positions currently listed in the MBA’s Online Job Bank. For the full list of available positions below, please visit, http://www.msbankers.com/ mba-job-bank

AVAILABLE OPPORTUNITIES ACH OPERATIONS MANAGER: Cadence Bank is seeking to hire an ACH Operations Manager in Starkville. This position manages the ACH File Processing function that supports Automated Clearing House (ACH) services across the bank. In addition, this individual will oversee accurate and timely processing of all ACH transactions to include, corporate payrolls, cash collection and concentration entries. Interested candidates must have a minimum of at least 5 years of relevant ACH processing and experience supporting back office payment systems and a minimum 5 years of people management and/or leadership experience. Preferred AAP or willing to obtain certification. Interested candidates may contact Nicole Lee by email at Nicole.lee@cadencebank.com or by calling 205-820-9585. BUSINESS DEVELOPMENT PROGRAM MANAGER: BancorpSouth is seeking a Business Development Program Manager. As the Manager of Business Development Programs, you will manage existing banking products and propose new solutions, oversee product development and ensure seamless delivery. You will support and coordinate various projects related to banking services and delivery channels. Bachelor's degree in marketing or finance preferred, or equivalent combination of education and experience. Five-seven years of experience in either financial services, 30

marketing and/or product management with meaningful exposure in project management and demonstrated subject matter expertise preferred. Marketing and/or product management experience specifically within the financial services industry is preferred. Candidates may submit resume and application by clicking on Career Opportunities at this link: www.BancorpSouth.com/MyBSXCareer. com. At this link, candidates with also find a full job description. CHIEF LENDING OFFICER: A commercial bank in South Mississippi is seeking a Chief Lending Officer (CLO) to join their team. The CLO will play a key role in the success of the Bank by helping establish the strategic direction for the planning and execution of all commercial and consumer lending. The CLO will lead and direct the bank’s overall loan portfolio as well as establish corporate policies and procedures regarding lending activities in order to provide long-term portfolio growth. Position may require an advanced degree and at least 10 years of direct experience in lending. Must be familiar with a variety of lending concepts, practices and procedures. Will rely on extensive experience and judgment to plan and accomplish goals. CLO will lead and direct all lending personnel. This position advises and reports directly to the Chief Banking Officer/Executive Vice President. Candidates may submit resumes to rchew@msbankers.com. COMMERCIAL LENDER II: Southern Bancorp Bank, Clarksdale, Mississippi, is seeking Commercial Lender experienced in establishing, maintaining and developing client relationships to attain targeted business objectives. Responsibilities include calling on potential or existing clients to develop new business, increase business and retain existing business. Interviewing applicants for commercial types of loans. Analyze and screen loan requests on all types of loans. Achieving and maintaining required loan portfolio

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balance. Exercising judgment within wide ranging policies, precedents and upper level management oversight for packaging loans as well establishing terms and conditions of loans. Adheres to loan policy and regulation. For a more comprehensive description and list of requirements, click here. Learn more about Southern Bancorp at https://banksouthern.com/ CORPORATE COMMUNICATIONS MANAGER: BancorpSouth is seeking an innovative individual to oversee the creation and implementation of external and internal communications strategies that differentiate BancorpSouth, promote and protect the brand, raise external awareness of the brand and use modern internal communications strategies to inform and engage teammates. Principal duties and responsibilities include developing and executing integrated communication strategies to include employee engagement/internal communications, media relations and public/community relations, and ensure that all messages are consistent with the BancorpSouth brand; creating a proactive communications calendar, regular cadence of message distribution; and other duties as assigned. This position requires five to seven years of experience in managing strategic communications at the corporate level, a general understanding of the financial services industry with the ability to quickly develop expertise, advanced copywriting and editing skills, including editing/marketing software, proficiency in Microsoft Office Professional or similar software; and a Bachelor’s degree, preferably in marketing, public relations or communications. Candidates may submit resume and application by clicking on Career Opportunities at this link: www.BancorpSouth.com/MyBSXCareer.com. At this link, candidates with also find a full job description. HUMAN RESOURCE GENERALIST: A commercial bank in South Mississippi is seeking a Human Resource Generalist to join their team. The HR Generalist

MBA Classified Ads

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performs HR related duties at the professional level in some or all of the following areas: employee relations, training, recruitment/employment, affirmative action, diversity, performance management and payroll functions. This position requires an extremely perceptive person who is capable of relating to individuals at all levels within the organization. The generalist must be sensitive to corporate needs, employee goodwill and the business needs. Candidates may submit resumes to rchew@msbankers.com. LENDING ASSISTANT COMMERCIAL REAL ESTATE: BankPlus, Ridgeland, Mississippi, is seeking an experienced Lending Assistant responsible for filing, initiating correspondence, scheduling and coordinating the activities between the loan officer and the customer to ensure efficiency within the department. Responsible for ensuring that loan processing and loan closings are conducted in a prompt manner and sell and cross-sell Bank products. Maintain a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Complete required compliance training and adhere to the Bank’s standard of conduct. This position requires two years prior lending assistant experience. Applicant must possess excellent verbal and written communication skills. Knowledge of proper English and punctuation is necessary. Must possess basic PC skills and have knowledge of all Microsoft office products. Applicant must possess the ability to effectively communicate with customers, attorneys and others to gather documentation and data needed to close loans. To apply, please visit https://www.bankplus.net/About/ Careers/Career-Opportunities/ LOAN OFFICER: Bank in Jackson area seeks Loan Officer with the experience and ability to generate and service commercial and consumer loans. The

applicant should be well rounded in underwriting requirements and possess community banking skills including branch management. Effective collection skills are also a plus. Candidates may submit resumes to rchew@msbankers.com. LOAN OFFICER – SPILLWAY: Responsible for the generation approval and servicing of customer loans within acceptable loan risk standards while adhering to bank policy and regulations. Solicit and develop new business on an ongoing basis by calling on current and prospective customers. Interview loan applicants and ensure the completion of an accurate loan application. Evaluate credit data, cash flow, financial statements and collateral to determine credit worthiness. Also responsible for the generation of deposit transactions necessary to accommodate loan fundings. This position requires an Associate Degree and five years banking or finance and loan origination experience. Prefer commercial loan experience. Knowledge of principles and methods for showing, promoting and selling products or services. Interested candidates my apply by visiting, www.BankPlus.net. MANAGER/SENIOR CREDIT ANALYST: Merchants & Marine Bank has an immediate need for a Manager/Senior Credit Analyst position at our Main Branch in Pascagoula. This individual is responsible for overseeing the daily operation of the Credit Department as well as providing underwriting and credit analysis for commercial and business loans. A Bachelor's degree in Banking, Finance, Business or related field is required. A minimum of 5 years' experience in credit underwriting and analysis is required. Candidates must have working knowledge of banking and compliance laws, regulations, financial analysis, credit practices in consumer and commercial lending. Candidates must also demonstrate strong written and verbal communication skills, excellent team and customer service skills, and proficiency with Microsoft Office

Products. For consideration, please submit resume to Sheryl Wolfe (Sheryl.Wolfe@ MandMBank.com) or Lauren Germany (Lauren.Germany@MandMBank.com).

SEEKING OPPORTUNITY GRADUATE SEEKING BANKING OPPORTUNITY – Upcoming graduate seeking to obtain a position in banking in the North Mississippi/Oxford area. Will graduate in May from Mississippi College with a Bachelor of Science degree in finance. This individual has a cumulative GPA of 3.9/4.0, is a Presidential Scholar with Distinction and has previous work experience in the financial industry as a Financial Representative. During time at Mississippi College, this individual competed on a private firm valuation team, served as Student Government Association Treasurer, member of the Campus Activities Board, served as President of the Civitan Men’s Service Club and served as a Welcome Week Leader as a part of the Association of Student Leaders. Contact Rachel Chew, MBA Manager of Communications, at rchew@msbankers.com for this individual’s resume.

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 The Mississippi Banker Classiﬁed Ad Policy, please visit MBA’s website, www.msbankers.com. MARCH/APRIL 2017

American Bankers Association THE MISSISSIPPI BANKER

A Winning Game Plan for 2017

By Rob Nichols, American Bankers Association President and CEO

Few would dispute that Washington is very much in the business of banking. But who is in the business of Washington? According to the Congressional Research Nichols Service, the members of the 115th Congress include a record number of women (109), African-Americans (52), Hispanic or Latino members (45), and Asian, Indian or Pacific Island Americans (18). They also include a fairly typical mix of professions, with a heavy dose of members having previously served in public office, business, law and education. A closer look at previous occupations reveals that our current class of lawmakers includes 36 from the real estate industry, 26 farmers or ranchers, 14 physicians, 11 accountants, nine social workers, eight ordained ministers, seven radio talk show hosts, six software company executives, three venture capitalists, two Peace Corps volunteers and one physicist. So where do bankers rank? There are currently 18 members who came to Congress with a background in banking. Relative to the other professions noted above, 18 bankers may seem like decent representation. But unlike the other professions, banking is an industry that plays a central role in economic growth and job creation. You have relationships with all these other professions, helping to meet their funding, cash management and payroll needs. You also have relationships with more than 112 million American households. That suggests we need far more bankers to serve in Congress, representing not just our institutions, but also the families, customers and communities that we serve. And if that isn’t enough reason, consider that of the 60 men and women who 32

serve on the House Financial Services Committee — one of Congress’ largest committees and the one that sets the agenda and oversight of laws governing banking — only five have banking experience. That’s absurd. Now here’s the good news. Bankers are already in the business of serving their communities, not just through their bank, but also on the boards of the local nonprofit, hospital and school system. Arguably serving in public office is nothing more than a logical next step rather than a giant leap. The even better news is that ABA has a way to help you take that next step. This September we are piloting our first ever ABA Candidate School to help bankers — Democrat, Republican or Independent — run for state or federal public office. The nonpartisan school, set for Sept. 13-15, 2017, in Washington, D.C., will provide all the information you need on how to file necessary paperwork, manage paid and earned media, fundraise, research and target, and get out the vote. It will demystify the process. As you may have heard me say when describing ABA’s Power Up initiative, aimed at building our industry’s political capacity, if the past decade has taught us anything, it’s that more bankers need to be involved in the public policy debates surrounding our industry. And those casting votes on banking policy must fully understand and appreciate the impact their decisions will have on a community and its residents. So if you have ever considered running for office, or if you have been a vocal advocate on state or federal policy issues and are ready to take your political engagement to the next level, I strongly encourage you to apply to this school. Download an application (due June 1) and learn all the details at aba.com/RunforOffice. Washington has long been in bank-

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ing’s business. Now it’s time to put more bankers in the business of Washington. Because when it comes to setting banking and economic policy, nothing beats your real-world experience. © 2017 American Bankers Association. All rights reserved. Reprinted with permission.

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LET'S Build A Strong Foundation Together! The Mississippi Bankers Association has established the MBA Education Foundation to support scholarship and financial education programs of the association and its member banks. The Foundation is a 501(c)(3) non-proﬁt corporation and is eligible to receive taxdeductible contributions. Please consult your tax advisor to determine the tax deductibility of your gift.

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