The Mississippi Banker - May June 2018

Banker THE MISSISSIPPI

In this issue:

• 130th Annual MBA Convention • 2018 Mississippi School of Banking • Major Banking Legislation Enacted

MAY/JUNE 2018 VOLUME 102 • NUMBER 6

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The official publication of the Mississippi Bankers Association McKinley W. Deaver • Editor

FOUNDED 1889

Volume 102 • Number 6 • MAY/JUNE 2018

OFFICERS

Chairman Mary Childs, Ripley Vice Chairman Greg McKee, Philadelphia Treasurer Andy Anderson, Anguilla President & CEO McKinley W. Deaver, Jackson

BOARD OF DIRECTORS Terms Expiring 2019 Steve Gresham, Holly Springs Eddie Hammond, Winona Dan Rollins, Tupelo Mark Tapp, Baldwyn Terms Expiring 2020 Shannon Aker, Brookhaven Shane Clayton, Pontotoc Alan Hargett, Indianola Gee Gee Patridge, Ridgeland Danny Whalen, Cleveland Terms Expiring 2021 Robbie Barnes, Magee Allen Breland, Forest Mike Ellard, Natchez John Hairston, Gulfport Jeff McCoy, Meridian Chuck Nicholson, Brandon Ex-Officio Members Mary Childs, Chairman, Ripley Greg McKee, Vice Chairman, Philadelphia Andy Anderson, Treasurer Jerry Host, Retiring Chairman, Jackson Frank Sibley, Preceding Chairman, Marks

Features MBA bylaws amended by membership........................................ 3 Board composition, nomination process revised

Banking Reforms Enacted........................................................... 6 Mississippi bankers help push S.2155 to passage

Mississippi School of Banking................................................8-10 50 graduate from MBA-sponsored school

2018 MBA Annual Convention...........................................14-21 Mississippi bankers annual reunion is 'The Reel Deal'

MBA 40-, 50- and 60-Year Clubs.........................................18-19 Bankers recognized for years of service

Departments From the President...............................................................................................................2 Good Neighbors...................................................................................................................4 Around the State..................................................................................................................5

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

ABA and ICBA columns.............................................................................................. 22-23 MBA Job Bank...................................................................................................................24 Bankers on the Move.................................................................................................... 25-27 Webinars............................................................................................................................28 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone 601-948-6366. Periodicals Postage paid in Jackson, Mississippi.

POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037.

YOUNG BANKERS SECTION President................................Bob Glover, Ripley Vice President.................. Marc Petro, Ridgeland Treasurer........................ Zach Luke, Greenwood

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

MAY/JUNE 2018

1

From the President THE MISSISSIPPI BANKER

Mississippi Banking's Family Reunion

By Mac Deaver, MBA President & CEO I often refer to the MBA Annual Convention as the "family reunion" of Mississippi banking. Our convention is not only one of the largest state bankers association gatherings Deaver in the country, it is also known - rightly so - as one of the warmest and friendliest. It is clear that the Mississippi bankers and others who attend genuinely enjoy being together.

The 2018 convention added a new element to our "family reunion" with the election of Mary Childs, CEO of The Peoples Bank, Ripley, as the first woman to chair the MBA. Notably, Childs follows her father, Bobby Martin, who served as MBA chairman in 1993. And she becomes MBA chairman as her son, Bob Glover, is serving as president of Mississippi Young Bankers.

The unprecedented involvement of the Martin family exemplifies the many contributions that generations of families have made to the MBA and Mississippi banking. This tradition of leadership has been a big factor in keeping our banks strong and focused on the well-being of their communities and customers.

Additionally, the relationships fostered through the years have kept the MBA strong -- and helped make our annual convention a true "family reunion."

This year's convention had excellent attendance by bankers, industry professionals and associates, regulators, and officials. We had great support from sponsors who contributed to a full schedule of education, recreation and networking.

In addition to welcoming new MBA leadership, the convention celebrated the conclusion of another successful year for Mississippi banks and our association. Under Jerry Host's leadership, and with the participation 2

of many Mississippi bankers, we had a lot of achievements to celebrate.

As always, the convention continued the important and longstanding tradition of honoring our association's rich history and those who contributed to it.

We were blessed to have a great group of past MBA chairmen with us this year, and they were recognized at our Chairman's Dinner and at Saturday evening's special closing event. Their being with us was especially meaningful.

I invite your attention to the stories and photographs in this issue that highlight the 2018 MBA Convention. In the next issue of this magazine, we will feature stories about our new MBA leaders.

Finally, I thank everyone who helped make the 2018 convention successful. I especially appreciate the members of the MBA staff who worked tirelessly to make this year's "family reunion" so special. We can't wait to see "all y'all" again next year!

N e w M B A C h a i r m a n M a r y C h i l d s w i t h h e r s o n , B o b G l o v e r, c u r rent MYB President, and her father, Bobby Martin, 1993 MBA Chairman.

THE MISSISSIPPI BANKER

SAVE THE DATE - UPCOMING MBA EVENTS Jul 11

MBA HMDA/TRID Workshop *

Aug 14

IT/Technology Conference *

Aug 15-16

IRA School *

Sep 26-27

MYB Leadership Conference

Oct 29 - Nov 2 'A Banker in Every Classroom' Week

VISIT MSBANKERS.COM * Register Online

MBA membership approves bylaw amendments Board composition, nomination process revised

During the recent MBA Annual Convention, the association membership approved changes to MBA bylaws that revise the makeup of the association Board of Directors and the process for nominating and electing MBA leaders.

The bylaw changes were approved in the annual business session on May 12.

Under the changes, the MBA Board of Directors will continue to have 20 members; however, Board members will be elected from three geographic divisions that will replace eight geographic groups that had been in place since the 1930s. Beginning in 2019, the membership will each year elect a board member representing each of three divisions -- North, Central and South Mississippi. In addition, the membership will continue to elect an at-large board member each year. When fully phased in, the revised Board will include 12 elected Board members serving staggered three-year terms. The three MBA officers and two most recent past chairmen will continue to serve as voting ex-officio Board members. The bylaw change adds the Mississippi Young Bankers president and the chairs of the Legislative and Education committees as non-voting ex-officio Board members.

The amendments also revise the process for nominating bankers for MBA leadership positions. Under the new procedure, the Board of Directors will act as the Nominating Committee each year and select board and officer nominees. The bylaws require that nominees be chosen from recommendations made by subcommittees.

Board members from each division will make up a subcommittee that will recommend candidates to represent their division on the Board. Likewise, a subcommittee of at-large Board members will recommend candidates for at-large positions. A subcommittee of the current and past officers serving on the Board will recommend bankers for officer positions.

Old 8 Groups The full Nominating Committee will choose nominees from the lists of bankers recommended by subcommittees. The committee’s selections will then be placed in nomination before the membership at convention.

The new nomination process will be effective with the 2019 leadership elections. Board members elected under the 8-group structure will complete their three-year terms, resulting in the size of the Board fluctuating until 2021.

When fully phased in, the new Board composition will include 20 members.

The MBA Board of Directors recommended the bylaw amendments after considering a study by the MBA staff. The study discovered that the 8-group structure had been largely unchanged since the 1930s -- and that

New 3 Divisions a wide disparity had developed in the number of banks in each group. Currently, the number of banks in each of the three divisions is virtually the same. The new nomination process was developed after reviewing the processes of other associations. It will utilize the experience and knowledge of the current Board in choosing candidates, but require that nominations originate with recommendations made by subcommittees. The new process also addresses several flaws and inefficiencies identified in the former process.

Bankers desiring more information about the bylaw changes should contact Gordon Fellows, Senior Vice President-Government Relations, at the MBA office [gfellows@ msbankers.com or 601-948-6366].

MAY/JUNE 2018

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Good Neighbors THE MISSISSIPPI BANKER

'A Banker in Every Classroom'

Program provides year-round financial education opportunities Mississippi bankers make a difference every day in the lives of their customers and communities. The MBA A Banker in Every Classroom program helps bankers make a difference in financial education for students. The association staff works to provide tools and connect bankers with local teachers.

Visit msbankers.com or contact MBA Senior Vice President Amy Davis at adavis@msbankers.com to find out how you and your bank can get involved.

TOP: Hancock Whitney banker James Smith with Orange Grove Elementary 5th grade students; MIDDLE: Hancock Whitney banker Chris Estrade with Crossroads Elementary 5th & 6th grade students; BOTTOM: Hancock Whitney banker Lamar Daley with Orange Grove Elementary 1st - 4th grade students.

October 29 November 2 2018

SAVE THE DATES

'A Banker in Every Classroom' week presented by The Mississippi Bankers Association

Financial education for students Connecting bankers and teachers Tools for classroom presentations

CONTACT Amy Davis 601-948-6366 adavis@msbankers.com 4

THE MISSISSIPPI BANKER

Around the State THE MISSISSIPPI BANKER

Commissioner Charlotte Corley named Chair of Conference of State Bank Supervisors The Conference of State Bank Supervisors (CSBS) has announced the election of Mississippi Department of Banking and Consumer Finance (DBCF) Charlotte Corley as the new Corley chair of the CSBS Board of Directors. The election was held during the organization’s annual membership meeting in Jacksonville, where new officers were also elected for 2018-2019.

Corley was a longstanding member of the CSBS Interagency Supervisory Processes Committee, coordinating the regulatory processes of Federal and State banking regulatory agencies and a

past member of CSBS’ state supervisory processes and technology committees, coordinating activities, developing positions, and making recommendations to the Board regarding supervisory matters.

She is a former Chair of the CSBS Education Foundation of State Bank Supervisors (EFSBS). The EFSBS sponsors professional training programs specially designed for state banking department examiners and senior staff.

In addition, Corley actively participates on the Federal Financial Institutions Examination Council (FFIEC)’s Task Force on Supervision and formerly served on the Task Force on Examiner Education.

Corley joined the Mississippi DBCF in 1985 as a bank examiner and worked

Wirt Yerger III joins board of directors Of State Bank & Trust Company State Bank & Trust Company has announced the addition of Wirt Yerger, III to the board of directors.

Kirk Graves, chairman and CEO of State Bank & Trust Co., Yerger stated “Wirt brings a wealth of business and community banking experience in the three states in which we serve. He will be a valuable asset and a tremendous resource as we continue to grow our Bank.”

As a pioneering entrepreneur, Mr. Yerger has played an integral part in developing wireless communications throughout Mississippi and the U.S. as investor, manager and board of director for numerous companies and organizations including CellularOne, Cavalier Wireless, LLC, Crown Communica-

tions, LCC and the Cellular Telecommunications and Internet Association.

In addition, in Yerger's 15-year role as vice president of Ross & Yerger, Inc., he has been an active participant in the growth and development of community banking in Mississippi, Alabama and Louisiana where he has been an investor and advisor to numerous startup banks to serve the needs of rural southern states.

Yerger also serves on the Board of Directors of Methodist Rehabilitation Center in Jackson The Yerger family is involved with numerous faith based and civic organizations in the greater Jackson community as well as all of Mississippi.

her way through the ranks to become banking division director in 2000, and deputy commissioner in 2013. She was appointed commissioner by Governor Phil Bryant in November 2014.

A native Mississippian, Corley earned a Bachelor of Business Administration degree in banking and finance from Mississippi State University. She is a graduate of the School of Banking of the South at Louisiana State University and a graduate of the American Bankers Association’s National Graduate Trust School at Northwestern University. She is a certified public manager, certified examinations manager, certified trust examiner, and a certified state credit union examiner.

MBA Board elects Gresham, Hammond To Executive Committee Following the recent MBA Convention, the MBA Board of Directors elected board members Steve Gresham of Holly Springs and Eddie Hammond of Winona to the association’s Executive Committee.

Gresham, CEO of Bank of Holly Springs, and Hammond, CEO of Bank of Winona, were elected to serve one-year terms on the 2018-19 Executive Committee. They join MBA Chairman Mary Childs, Vice Chairman Greg McKee, Treasurer Andy Anderson, Past Chairman Jerry Host, and President Mac Deaver on the seven-member committee. Gresham and Hammond are both in their third year of service on the Board of Directors.

The MBA Executive Committee acts on policy matters between meetings of the Board of Directors.

MAY/JUNE 2018

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Government Relations

THE MISSISSIPPI BANKER

Mississippi bankers help push S. 2155 across finish line On May 24 President Donald Trump signed S. 2155 – The Economic Growth, Regulatory Relief, and Consumer Protection Act – into law. Enactment of this legislation was the culmination of years of lobbying efforts by the banking industry, and Mississippi bankers were actively engaged in the final lobbying push to pass this legislation.

Groups of Mississippi bankers and MBA staff attended two separate spring advocacy trips in Washington, D.C. – the ICBA Capital Summit, April 8-11, and the ABA GR Summit, April 23-25. At both of these events, Mississippi bankers joined bankers from all over the country in advocating for much needed regulatory relief. These bankers were instrumental in the final push that ultimately lead to the U.S. House of Representatives passing S. 2155 in late May with bipartisan support.

As enacted, S. 2155 provides a number of regulatory relief provisions important to Mississippi banks. Some of the highlights of this new law include: Community Bank Capital Simplification – This provision requires regulators to establish a “community bank leverage ratio” of not less than 8 percent and not more than 10 percent. Banks with less than $10 billion in total consolidated assets who maintain tangible equity in an amount that exceeds the “community bank leverage ratio” will be deemed to be well capitalized.

Mortgage Relief – S. 2155 includes a variety of mortgage relief provisions including granting QM status for loans held in a bank’s portfolio, relaxing certain appraisal requirements, reducing some HMDA disclosure requirements, exempting certain banks from escrow requirements, and relaxing certain TRID-related timelines.

Regulatory Relief – The legislation allows a broader use of short form call reports, the small bank holding company policy statement, and the 18-month exam cycle. The legislation also clarifies the difference in a “reciprocal deposit” and a “brokered deposit,” and it exempts banks with less than $10B in assets from the “Volcker Rule.”

6

Tailored Regulations - The legislation allows regulators to tailor their regulatory approach to certain banks, raising the SIFI designation threshold and relaxing certain stress-testing requirements.

In addition to working to pass S. 2155, attendees at both summits heard presentations from a number of Trump Administration officials including Comptroller of

the Currency Joseph Otting and acting CFPB Director Mick Mulvaney, as well as multiple key Congressional leaders on banking issues. With passage of S. 2155, the regulatory agencies have begun to work to implement the required changes. The MBA will continue to work with national trade groups and other state associations to positively influence this process.

ATTENDEES

2018 WASHINGTON VISIT September 11-14

ICBA Capital Summit Johnny Barret Robbie Barnes MacKenzie Parker John Shappley Alan Walters ABA GR Summit Andy Anderson Rebecca Barrentine Michael Booker Bob Glover Chuck Nicholson Justin Martin Kit McCoy Fred Miller Marc Petro Michael Schloegel Huey Townsend Clay Wagner Mike Webb Scott Woods

The MBA will host its annual Washington Visit on September 11-14. For more information contact Gordon Fellows, 601948-6366 or gfellows@msbankers.com.

Mississippi bankers participating in the ICBA Capital Summit included: (L to R) Johnny Barrett, Oxford; Robbie Barnes, Magee; John Shappley, McComb; and Mackenzie Parker, Anguilla.

Mississippi bankers attending the recent ABA Government Relations Summit in Washington, DC. met with Senator Roger Wicker to discuss S. 2155.

THE MISSISSIPPI BANKER

Government Relations

THE MISSISSIPPI BANKER

CDBA delegation Meets with Senator Cindy Hyde-Smith A delegation of Mississippi bankers and industry professionals met with Senator Cindy Hyde-Smith during the recent Community Development Bankers Association meeting in Washington.

The group thanked Senator Hyde-Smith for her suppor t on issues impor tant t o C o m m u n i t y D e ve l o p ment Financial Institutions.

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MAY/JUNE 2018

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Mississippi School of Banking THE MISSISSIPPI BANKER

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

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L to R: Dr. Ken Cyree, MSB director; MBA Chairman Jerry Host, Trustmark Bank; Ross Parker, First American National Bank, Iuka, recipient of the Graduate School of Banking scholarship; Mac Deaver, MBA President.

L to R: Dr. Ken Cyree, MSB Chair; MBA Chairman Jerr y Host, Trustmark Bank; David McLeod, Citizens Bank,Columbia, recipient of the Donald L. Moak Achievement Award; MYB President Bob Glover, The Peoples Bank, Ripley; Mac Deaver, MBA President.

SAVE DATE

THE

On April 14, fifty students graduated from the 49th annual session of the Mississippi School of Banking, conducted by the MBA on the University of Mississippi campus. A total of 105 students attended the school this year during the week of April 8-14.

The 2018 student body was comprised of students from 39 different Mississippi banks and organizations. Dr. Ken Cyree, MBA/Frank R. Day Chair of Banking and Dean of Business at the University of Mississippi, serves as director of the school. MBA Senior Vice President Amy Davis is the registrar.

MBA Chairman Jerry Host of Jackson spoke at the graduation ceremony and joined in presenting diplomas. Other remarks were made by Cyree; MYB President Bob Glover; Senior Class President Nick Bosco; and MBA President Mac Deaver.

During the graduation ceremony, David McLeod, Citizens Bank, Columbia, received the Donald L. Moak Achievement Award for the highest academic honors in the 2018 class. This award is given by the MBA Education Foundation. Ross Parker, First American National Bank, Iuka, was awarded a first-year scholarship to the Graduate School of Banking at LSU. Teams of graduating students were recognized for the top-performing “banks” in the BankExec Simulation competition.

The two winning teams were “Money Makers" and “Bank of Ease.” Members of “Money Makers” were LaRay White, Southern Bancorp; Hope Weissinger, Bank of Anguilla; Billy Sears, Bankplus; Nick Bosco, Merchants and Marine Bank; and Amber Graham, Hancock Whitney bank. Members of “Bank of Ease” were Angie Simmons, Community Bank; Melissa Poole, Horne LLP; Joshua Brunt, First National Bankers Bank; Justin Chance, Hancock Whitney Bank; Steve Loftin, Bank of Holly Springs.

April 7 -13,2019

50th SESSION MISSISSIPPI SCHOOL OF BANKING

THE MISSISSIPPI BANKER

L to R: School of Banking first year class officers, Stephanie Baldwyn, Trustmark, Tupelo, treasurer; Gafford White, Community Bank, Southaven, president.

Mississippi School of Banking THE MISSISSIPPI BANKER

2018 Mississippi School of Banking Graduating Class BancorpSouth – LaShae Wortham Bank of Anguilla – Mandy Warbington, Hope Weissinger Bank of Commerce – Tim Stanciel Bank of Forest – Lee McDill, Nick Whittington Bank of Franklin – Rich Scott Bank of Holly Springs – Steven Loftin BankPlus – Amy Rhodus, TJ Robb, Jr., Billy Sears, Jr. BNA Bank – Heather Cummings Citizens Bank, Columbia – David McLeod The Citizens Bank, Philadelphia – Chad Hill, Liz Owen Community Bank of Mississippi – Casey Adams, Heather Morrow, Jessica Pigott, Angie Simmons, Justin Theunissen, Bobbie Lynn Tillman, Keith Williams, Jr. Copiah Bank – Crystal Sanford First American National Bank – Ross Parker First National Bankers Bank – Joshua Brunt First Security Bank – Bert Pegueros

First State Bank, Waynesboro – Stephanie Howard First Tennessee Bank – Jon Bragg Hancock Whitney Bank – Byron Allred, Justin Chance, Amber Graham, Brian Mayeur, Jessica Sandrock Horne LLP – Sarah Lutz, Melissa Poole Merchants & Marine Bank – Nick Bosco, Kelly Green Pike National Bank – Lindsey Arnold Planters Bank & Trust Company – Melissa Cadenhead, Alicia Chandler, Angie Hawes, Monty Wiggins PriorityOne Bank – Lauren Little Regions Bank – Heath Serio Renasant Bank – Blake Chance RiverHills Bank – Cori Clay Southern Bancorp – LaRay White State Bank & Trust Company – Stephen Tucker Trustmark National Bank – John Butler, Jim Mc Cullough

MAY/JUNE 2018

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Mississippi School of Banking THE MISSISSIPPI BANKER

Bank of Ease (Community B), L to R: Joshua Brunt, First National Bankers Bank; Angie Simmons, Community Bank; Melissa Poole, Horne, LLP; Justin Chance, Hancock Whitney Bank; Steve Loftin, Bank of Holly Springs.

Money Matters (Community A), L to R: .Billy Sears, BankPlus; Amber Graham, Hancock Whitney Bank; LaRay White, Southern Bancorp; Nick Bosco, Merchants & Marine; Hope Weissinger, Bank of Anguilla.

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

50th Session April 7-13, 2019

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In addition to approximately 80 hours of classroom instruction, students complete home study problems and pass written examinations at the conclusion of each year's session. During the second year, the school emphasizes teamwork as students compete in a computerized bank simulation exercise. MSB fosters long-term professional and personal relationships among its graduates.

To learn more about the Mississippi School of Banking and receive registration information, contact MSB Registrar Amy Davis, adavis@ msbankers.com or 601-948-6366.

THE MISSISSIPPI BANKER

NEW

2018 MBA Bank Directory 2018 NOW AVAILABLE!

MISSISSIPPI

Digital online subscriptions Flash-drive format Popular print version

BANK DIRECTORY

Up-to-date information on Mississippi’s banks, government officials, state and federal regulatory agencies and other industry trade associations.

Includes a listing of MBA Affiliates offering products and services to Mississippi banks.

Official Publication of

Order your copies today!

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Use this order card Visit msbankers.com Call 601-948-6366 Directory Order Card Please send me the 2018 Mississippi Bank Directory 1 Choose the format for your 2018 Mississippi Bankers Directory: Print Copies Mail this form with your payment to: Mississippi Bankers Association P. O. Box 37 Jackson, MS 39205-0037

2 Please complete the following information for Print Copies ($45)

12-Month Online Subscriptions ($45) Call the Mississippi Bankers Association: 601-948-6366 Flash Drive (comma delimited format) Call 800-336-1120 ($250 MBA members/$650 Nonmembers)

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MAIL TO: Mississippi Bankers Association P. O. Box 37 Jackson, MS 39205-0037 640 North State Street Jackson, MS 39202 601-948-6366 phone 601-355-6461 fax MAY/JUNE 2018

11

MBA Officers and Board of Directors 2018-19 CHAIRMAN

VICE CHAIRMAN

TREASURER

Mary Childs The Peoples Bank Ripley

Greg McKee The Citizens Bank of Philadelphia Philadelphia

Andy Anderson Bank of Anguilla Anguilla

Preceding Chairman

Retiring Chairman

At Large

At Large

Jerry Host Trustmark Bank Jackson

Frank Sibley Citizens Bank & Trust Co. Marks

Chuck Nicholson Community Bancshares Brandon

Gee Gee Patridge BankPlus Ridgeland

Group 1

Mark Tapp Farmers & Merchants Bank Booneville

Group 2

Steve Gresham Bank of Holly Springs Holly Springs

At Large

Group 3

Group 3

Alan Hargett Planters Bank & Trust Co. Indianola

Danny Whalen Cleveland State Bank Cleveland

Group 5

Group 6

Jeff McCoy Geat Southern Bank Meridian

Robbie Barnes PriorityOne Magee Magee

Group 7

Shannon Aker

Bank of Brookhaven

Brookhaven

Group 1

Shane Clayton First Choice Bank Pontotoc

Dan Rollins BancorpSouth Tupelo

Group 4

Group 5

Eddie Hammond Bank of Winona Winona

Allen Breland Bank of Forest Forest

Group 7

Group 8

Mike Ellard United Mississippi Bank Natchez

John Hairston Hancock Whitney Bank Gulfport

MBA Staff

Mac Deaver President & CEO

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Amy Davis Sr. Vice President Operations

Gordon Fellows Sr. Vice President Govt. Relations

THE MISSISSIPPI BANKER

Lori Richardson Programs Manager

Brooke McCoy Marketing Manager

Sherell Taylor Manager of Insurance Services

Vicky Franklin Administrative Assistant

Balanced Advice.

Proven Results.

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

www.silassimmons.com

209 N. Commerce Street | Natchez, MS 39120 MAY/JUNE 2018

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130th MBA Convention THE MISSISSIPPI BANKER

130th Annual MBA Convention Reflects 'Changes in Latitude, Changes in Attitude'

Over 600 Mississippi bankers and their families, along with industry associates, regulatory and public officials, and other guests, attended the 130th annual Mississippi Bankers Association Convention held May 9-13 at Sandestin Golf and Beach Resort in Destin, Florida. The convention reflected the theme "Changes in Latitude, Changes in Attitude" as the program focused on landmark changes in the banking industry.

The convention concluded another successful MBA year with a salute to the leadership of 2017-18 Chairman Jerry Host. On Saturday evening, Mary Childs, CEO of The Peoples Bank, Ripley, was installed as MBA chairman for the new year, becoming the first female chair in the 130-year history of the association.

A crowded four-day schedule began with a welcome reception and the start of the annual convention trade show on Wednesday evening. With 60 exhibitors, the trade show was the center of convention activity for the first two days. The show culminated with the annual luncheon on Thursday and the trade show giveaways on Friday.

General sessions on Thursday and Friday featured presentations by Dr. David Altig, executive vice president and director of research for Federal Reserve Bank of Atlanta; Col. Arthur Athens, director of the Stockdale Center for Ethical Leadership at the U.S. Naval Academy; and Cam Marston, president of Generational Insights. In Thursday's session, Chairman Host facilitated a discussion of current industry issues with Rob Nichols, president of the American Bankers Association, and Paul Merski, executive 14

vice president with the Independent Community Bankers of America.

Other convention events included the annual golf tournament sponsored

by Stockett & Thomas; breakfast meetings hosted by the Graduate School of Banking at LSU and Federal Home Loan Bank of Dallas; daily morning devotionals; a spouse program featuring Peter Wood of Peter's Pottery; and receptions hosted

by Trustmark National Bank and First National Bankers Bank. A special event on Thursday evening was the third annual Silent Auction to raise funds for the MBA Education Foundation (Story on page 20). Numerous other events and activities oc-

Outgoing MBA Chairman Jerr y Host passes the gavel to new Chairman Mary Childs at Saturday’s closing event.

Clockwise from top left: Chairman Jerry Host presides over the business session; Treasurer Greg McKee delivers the MBA financial report; State Sen. Rita Parks of Corinth, chair of the Senate Business & Financial Institutions Committee, addresses the convention; Clay Wagner, chair of the MBA Legislative Committee, gives his report to the membership.

THE MISSISSIPPI BANKER

130th MBA Convention THE MISSISSIPPI BANKER

curred during the course of four days.

In Saturday's annual business session, the MBA membership elected Childs and other officers and Board members for 2018-19. (See ist below.)

The membership also approved amendments to association bylaws revising the election process and the composition of the MBA board. (Story on page 3.) This session also included remarks by State Sen. Rita Parks of Corinth, chair of the banking committee in the Mississippi Senate, and Mississippi Attorney General Jim Hood.

A newly formatted Special Closing Event concluded the convention on Saturday evening. This themed event gave special recognition to the MBA past chairmen in attendance and featured a dinner buffet, entertainment, and prize giveaways. Chairman Host passed the gavel to Childs, who made remarks as the new MBA chairman.

Host received a special presentation from his bank, Trustmark National Bank, and the MBA in appreciation for his service.

Major sponsors of the 2018 MBA Convention were: Trustmark Na-

President Mac Deaver presents the Board of Director's proposal to amend the association's bylaws during the business session.

tional Bank, First National Bankers Bank and FNBB Capital Markets, Federal Home Loan Bank of Dallas, and Stockett & Thomas Agency.

These and dozens of other sponsors provided financial support that helped make the convention a great success.

131st Annual MBA Convention Sandestin, Florida

May 15-19, 2019

New MBA officers, board members elected

During the Annual Convention, the following bankers were elected by the MBA membership to serve as association officers for 2018-19 and as new members of the MBA Board of Directors.

CHAIRMAN

VICE CHAIRMAN

TREASURER

Mary Childs The Peoples Bank Ripley

Greg McKee The Citizens Bank of Philadelphia Philadelphia

Andy Anderson Bank of Anguilla Anguilla

BOARD OF DIRECTORS Robbie Barnes PriorityOne Bank Magee

Mike Ellard United Mississippi Bank Natchez

Jeff McCoy Great Southern Bank Meridian

Allen Breland Bank of Forest Forest

John Hairston Hancock Whitney Bank Gulfport

Chuck Nicholson Community Bancshares Brandon MAY/JUNE 2018

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130th MBA Convention THE MISSISSIPPI BANKER

MBA Board of Directors Members of the 2018-19 MBA Board of Directors attending the MBA Convention included (seated, L to R) President Mac Deaver, secretary to Board; Past Chairman Jerry Host, Jackson; Vice Chairman Greg McKee, Philadelphia; Chairman Mary Childs, Ripley; Treasurer Andy Anderson, Anguilla; Chuck Nicholson, Brandon; (standing L to R): Jeff McCoy, Meridian; Shane Clayton, Pontotoc; Danny Whalen, Cleveland; Mark Tapp, Baldwyn; Dan Rollins, Tupelo; Shannon Aker, Brookhaven; Alan Hargett, Indianola; Mike Ellard, Natchez; Allen Breland, Forest; Robbie Barnes, Magee. Not pictured: Steve Gresham, Holly Springs; John Hairston, Gulfport; Eddie Hammond, Winona; Gee Gee Patridge, Ridgeland; Frank Sibley, Marks.

Past MBA Chairmen Past chairmen attending the 2018 MBA convention, L to R: Vance Witt, New Albany; Frank Sibley, Marks; Bobby Martin, Ripley; Odean Busby, Magee; Jerry Host, Jackson, Huey Townsend, Belzoni, Gene Walker, Forest; Buddy Prestridge, Hazelhurst; Fred Miler, Anguilla; Joel Clements, Waynesboro; Harry Walker, Jackson; Freddie Bagley, Brandon; Bill Sones, Brookhaven; Greg Taylor, Holly Springs.

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THE MISSISSIPPI BANKER

130th MBA Convention THE MISSISSIPPI BANKER

MAY/JUNE 2018

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130th MBA Convention THE MISSISSIPPI BANKER

Bankers honored for longtime service A number of Mississippi bankers were recognized at the MBA Convention for their long service to the Mississippi banking industry. Listed below and on the next page are bankers who were inducted into the MBA's 40-, 50-, and 60-year clubs. Banks are encouraged to submit photos of their honorees for publication in future issues of this magazine. Submit to Vicky Franklin, vfranklin@msbankers.com.

Sixty-Year Club Anne Shankle, First Security Bank, Batesville

T. H. Kendall III, Merchants & Planters Bank, Raymond

L to R: MBA President & CEO Mac Deaver; Anne Shankle, First Security Bank, Batesville; Frank West, President, First Security Bank.

L to R: Harry Walker, Trustmark Bank; Mrs. Mary Kendall; T.H. Kendall III, Merchants & Planters Bank; Henry Logue, President, Merchants & Planters Bank, Raymond; MBA Chairman Jerry Host, Trustmark Bank.

Fifty-Year Club Judy Ballard, Renasant Bank, Tupelo Diann James, Peoples Bank, Mendenhall Lynn McKenzie, Citizens Bank, Columbia Dorothy Tucker, BancorpSouth, Aberdeen Vance Witt, BNA Bank, New Albany

Submit photos of honorees for publication in The Mississippi Banker magazine.

Vicky Franklin vfranklin@msbankers.com 18

THE MISSISSIPPI BANKER

L to R: MBA President & CEO Mac Deaver; Vance Witt, Bank of New Albany; MBA Chairman Jerry Host.

130th MBA Convention THE MISSISSIPPI BANKER

Forty-Year Club Faguial Ball, Trustmark Bank, Jackson Linda Beck, Hancock Whitney Bank, Picayune Tiffany Benson, Bank of Yazoo, Yazoo City Leslie Blakeney, Trustmark Bank, Jackson Marion Boyd, The Citizens Bank of Philadelphia, Philadelphia Debbie Brunt, Planters Bank, Clarksdale Melissa Buchanan, BancorpSouth, Hattiesburg Daphine Cazeaux, Charter Bank, Biloxi Sylvia Chamberlain, BankFirst, Columbus James Chicorelli, Planters Bank, Clarksdale Lorene Christmon, Trustmark Bank, Jackson Brenda Clark, Trustmark Bank, Jackson Nancy Corbell, BancorpSouth, Aberdeen Robert Cragon Regions Bank, Jackson Belinda Cran, First State Bank, Waynesboro James (Eddie) Creel, Hancock Bank, Gulfport Geneva Davis, Trustmark Bank, Jackson William (Mack) Davis, III, Citizens Bank, Columbia Myra Dunlap, Guaranty Bank & Trust, Belzoni Bobbie Wood Estes, Cleveland State Bank, Cleveland Cynthia Ann Freeny, Trustmark Bank, Jackson Michele Fondren, Regions Bank, Clarksdale Jo Fulton, The Citizens Bank of Philadelphia, Philadelphia Tina Louise Ginn, Trustmark Bank, Jackson Brenda Gough, Great Southern Bank, Meridian Cynthia Graham, Cadence Bank, Philadelphia Ben Perry Green, Renasant Bank, West Point Steven Hodges, BancorpSouth, Tupelo Cindy Holland, Renasant Bank, Grenada Chris Hull, Covington County Bank, Collins Debra Ingram, First State Bank, Waynesboro Deborah Jones, Bank of Yazoo, Pearl Janice Kearschner, Citizens Bank, Columbia Mary Ann Kirkman, The Peoples Bank, Ripley Gay Lishman, Sycamore Bank, Senatobia Victor Marlar, Trustmark Bank, Jackson Billie Martin, Hancock Whitney Bank, Gulfport Kathy Martin , Bank of Anguilla, Anguilla Vivian McBride, BankPlus, Lexington Sandra McMickin, Renasant Bank, Tupelo Debbie Nail, Regions Bank, Grenada James Outlaw, Trustmark Bank, Jackson Robbie Patterson, First Choice Bank, Pontotoc Patricia Pitts, Trustmark Bank, Jackson Vivian Price, Regions Bank, Oxford

40--Year Club bankers, L to R: Alan Walters, First Commercial Bank, Jackson; Brenda Gough, Great Southern Bank, Meridian;Myra Dunlap, Guaranty Bank & Trust, Belzoni; Larry Veasey, Merchants & Farmers Bank, Holly Springs.

Cynthia Ann Prince, Trustmark Bank, Jackson Beverly Reese, Regions Bank, Leland Barbara Richardson, Hancock Whitney Bank, Pascagoula Linda Robertson, Regions Bank, Clarksdale Charlene Rone, Merchants & Farmers Bank, Kosciusko Robert Roseberry, Hancock Whitney Bank, Purvis Anita Sauerwein, Planters Bank, Cleveland John Simons, BankPlus, Flora Robert Smith, The Citizens Bank of Philadelphia, Philadelphia Lillian Smith, Merchants & Farmers Bank, Holly Springs Joseph Kyle Smith, Jr., The Peoples Bank, Ripley Linda Spring, Trustmark Bank, Jackson Deborah Swords, BancorpSouth, Tupelo Judith Tarzi, Planters Bank, Clarksdale Nellie Tate, BankcorpSouth, Tupelo Marilyn Tilghman, Bank of Anguilla, Anguilla Debra Trantham, Renasant Bank, Tupelo Larry Veasey, Merchants & Farmers Bank, Holly Springs Helen Walls, Merchants & Farmers Bank, Holly Springs Alan Walters, First Commercial Bank, Jackson Darlene Ware, BankPlus, Lexington Dianne Caldwell Wesley, Trustmark Bank, Jackson Margaret Wilkerson, First State Bank, Waynesboro Ann Willford, Planters Bank, Leland Tammy Willmer, Planters Bank, Greenville Marilyn Windham, Renasant Bank, Booneville James Woodington, FNB Oxford Bank, Oxford Joan Yough, BancorpSouth, Laurel MAY/JUNE 2018

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130th MBA Convention THE MISSISSIPPI BANKER

Third annual convention silent auction raises Record amount for MBA Education Foundation The MBA Education Foundation's third annual silent auction held on May 10 during the MBA Annual Convention raised more than $16,000, a record amount that exceeded the previous year's auction by $3,000.

Held in conjunction with Trustmark Bank's annual convention reception, the auction offered over 65 items -- including original paintings; autographed sports memorabilia; vacation accommodations; concert, museum and sporting event tickets; clothing; jewelry; and many others.

"We sincerely appreciate the individuals and companies that contributed items to this year's silent auction," said Foundation President Mary Childs. In addition, Childs noted that many banks and bankers assisted in procuring items and in staging the auction. "The auction would not have been successful without

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the support of our membership," she said.

The MBA Education Foundation, established in 2012, provides funding for scholarships and supports financial literacy training in Mississippi.

Each year in conjunction with Mississippi Young Bankers, the Foundation awards $15,500 in scholarships to college and high school students, as well as to bankers continuing their education.

"Thanks to the generous support of Mississippi bankers, and the success of our annual auction, the Foundation continues to meet its fundraising goals," said Mac Deaver, secretary-treasurer of the foundation. He added that the Foundation board continues to explore the possibility of enhancing existing programs as well as creating new ones.

THE MISSISSIPPI BANKER

For more information about the MBA Education Foundation, please contact Mac Deaver at mdeaver@msbankers.com.

The MBA Education Foundation is a 501(c)(3) charitable subsidiary of the Mississippi Bankers Association.

130th MBA Convention THE MISSISSIPPI BANKER

Thank you!

The MBA Education Foundation thanks the following individuals and businesses for donating auction items, helping to procure items, or otherwise assisting to make the Foundation’s 2018 silent auction a great success.

Acme Oyster House, Destin The Alluvian Andy Anderson Gabe Baldwin BankFirst Bank of Anguilla Bank of Commerce BankPlus Catherine Becker Pat Biglane Blackledge Face Center Gaye Broyles Char Restaurant Mary Childs The Citizens Bank, Philadelphia Cleveland State Bank Rick Cleveland Hoppy Cole Community Bank Concordia Bank & Trust Country Club of Jackson Craftsmen’s Guild of Mississippi Susan Deaver Divine Jewels by Taylor Kim Dubuisson Edwin Watts Golf Elite Optical Embassy Suites, Ridgeland Brad Ewing Brett Favre Federal Home Loan Bank, Dallas The First, A National Banking Association

Fisher Man Guide Service Gray Flora Fresh Market Bob Glover Grand Hotel Marriott Resort Great Southern Bank Moak Griffin David Guyton John Hairston Hancock Whitney Bank Tashia Harris Will Hays Terri Herring Hilton Jackson Hilton Sandestin Jerry Host Jesse’s Restaurant Bill Kilduff Natalie Latham Lee’s Cotton Picker Art Lewis Furniture Local 463 Restaurant Lou’s Full-Serv Dee Dee Lowery Zach Luke MSU Riley Center Magnolia State Bank Kris Mangum Marriott Shoals Hotel & Spa Bobby Martin Justin Martin Jim McAlexander Ethel Ann McCoy Jeff McCoy Greg McKee Fred Miller MS Arts & Entertainment Experience Mississippi Young Bankers Monmouth Historic Inn Chuck Nicholson

Linda Nowell Old Waverly Golf Club Oswego Jewelry Oxford University Bank Pearl River Resort The Peoples Bank, Ripley Marc Petro The Pine Cone Peter’s Pottery Cindy Prince Purple Parrot Cafe Ella Jane Putnam Marshall Ramsey Bill Ray Renaissance at Colony Park Renaissance Ross Bridge Resort The Rogue Wes Rouse Chris Ryals Sandestin Golf & Beach Resort Shapley’s Restaurant Gay Simpson Sleep Inn & Suites, Meridian Robert Smith Robert St. John Diane Tate Bob Tompkins Trustmark National Bank Debb Tubb Turquoise Place Van Atkins Jewelry Clay Wagner Harry Walker Wash House Restaurant Weidmann’s Westin Jackson Danny Whalen

MAY/JUNE 2018

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American Bankers Association THE MISSISSIPPI BANKER

New Tools to Tell the Story of America’s Banks

By Rob Nichols, President, American Bankers Association

One of the reasons the banking industry is seeing an improved policy environment in Washington is because bankers have spent the last few years telling their stories.

They didn’t ask for Nichols regulatory relief because they were tired of red tape (even though they undoubtedly are). They asked for regulatory reform because rules were making it hard for their banks to make good loans to creditworthy customers and were diverting resources that could be better spent helping their communities thrive.

Those stories – of how a perhaps wellintentioned but poorly executed provision in law was harming the people it was supposed to help – have made a difference.

ABA, too, has been telling bankers’ story. We started our reputational campaign a couple years ago with a special website – aba.com/AmericasBanks – that offered data illustrating the role banks play in their communities and the economy. In April, we took our efforts up several notches with a reimagined site that really brings that data to life.

Visit aba.com/AmericasBanks and you’ll find not only national statistics on how much banks have lent to small businesses, farms, homeowners and state and local governments, but also – for the first time -- an interactive map that allows you to see banks’ economic impact by state.

Data points include jobs, branch/office locations, mortgage, small business and small farm loans; customers and volunteer hours donated. You’ll also find anecdotes, photos and videos – most submitted by banks – that show what their retail and business customers value most in them.

Such customer testimonials include praise for a bank’s mobile app, the support provided following a hurricane and the guidance that helped one couple buy their first home. As one customer put it when describing his raspberry farm’s decades-long relationship with a local bank, “it’s super important to have a bank that understands 22

the business, understands community, understands what we’re doing, our challenges and that Mother Nature plays a big role.”

Still more stories demonstrate banks’ commitment to local nonprofits and revitalizing a local neighborhood, and spotlight ways bank employees have gone above-and-beyond for their customers, including one who checked up on an elderly customer daily – including weekends and holidays -- for more than 10 years. One must-see video on the site (under “Helping Communities”) is a special eightminute documentary ABA produced that demonstrates how three banks of very different sizes, all on one city block, collectively drive growth and renewal in downtown Denver. The focus is Denver – but it’s a story playing out in countless communities across America, providing a visual illustration of how bankers support the activities and growth of manufacturers, property developers, service businesses, nonprofits and others as those companies and organizations drive employment and opportunity in the city.

What you find on the America’s Banks site is just the beginning. We have more material we’ll be rotating in later, and we hope you’ll help us keep the content fresh by sending similar videos, photos, customer testimonials or employee stories to AmericasBanks@aba.com.

We also ask that you help us amplify the good news by sharing the site far and wide. For help in doing this, please download our social media guide at aba. com/AmericasBanksGuide By amplifying the story of America’s banks, you can help policymakers and the public better understand how banks deliver jobs, growth, safety and convenience.

SAVE THE DATE

October 29 - November 2

A Banker in Every Classroom Presented by The Mississippi Bankers Association

THE MISSISSIPPI BANKER

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. Tell us about your bank’s involvement in our communities. Send us photos. We'll share them in this magazine and on msbankers.com.

SHARE YOUR STORIES & PHOTOS! EMAIL

editor@msbankers.com

MAIL

MBA P.O. Box 37 Jackson, MS 39205-0037

Independent Community Bankers Association THE MISSISSIPPI BANKER

Big Ideas, Big Opportunities

By Rebeca Romero Rainey President & CEO, Independent Community Bankers of America I ’m w r i t i n g t h i s column on May 9— an important date in ICBA’s history. It’s 88 years to the day when 28 independent community bankers met in Glenwood, Minn., to discuss an alarming Romero Rainey trend. Two Minneapolis-based holding companies were rapidly buying up unit banks, with an officer of one holding company reportedly stating there wouldn’t be an independent bank left in the ninth Federal Reserve District within three years. The holding companies wielded such power as correspondent banks that some bankers were afraid to be individually identified as opponents.

And so, they passed around a hat—all putting $25 into it—allowing for the birth of ICBA, an independent banking organization that would represent the interest of only community banks.

Staunchly independent and fiercely dedicated to the community bank mission, these 28 community bankers knew they needed to fight back. If they did nothing, the future of their banks and communities would hang in the balance.

Fast forward 88 years and there are nearly 5,700 community banks across the country, serving the unique needs of their customers and communities. It’s all thanks to those community bankers who stood up for their convictions in a big way.

The current issue of Independent Banker is full of big ideas, and I couldn’t help but be reminded of these 28 bankers who had a big idea when it was needed the most. That’s why I challenge today’s community bankers to think the same way. Where many see challenges, we need to see big opportunities.

Whether it’s through partnering with financial technology companies, finding ways to level the playing field for community banks or finding solutions to spur de novo formation, community bankers are there, advocating, innovating and educating. S.2155’s positive momentum

in both the Senate and the House is the latest example of what can happen when we community bankers come together and make our voices heard.

While we may not be passing around a hat these days, we at ICBA are always passing around big ideas for community bank growth and opportunity. We have your back, helping you drive change with

policymakers, spur a culture of innovation at your bank, provide time- and moneysaving products and services, and foster future industry leaders.

The possibilities for community banks are endless. We must seize every opportunity to drive prosperity for our customers and communities nationwide. That is the legacy that lives on through all of us today.

Failure is not an option.

You’ve fought hard for your gains and know the importance of a well-developed strategy.

Whether you’re storming the hill of regulatory compliance or launching a profitability offensive, our bold, battle-tested pros can help your financial institution win the day.

Everyone needs a trusted advisor.

Who’s yours?

bkd.com/fs | @bkdFS MAY/JUNE 2018

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MBA Job Bank THE MISSISSIPPI BANKER

The Mississippi Banker

JOB BANK

DOWNLOAD A JOB BANK FORM at msbankers.com CONTACT

adavis@msbankers.com Bank Operations Department: The Bank is seeking a motivated applicant to join our team for a full time position in the bank's Operations Department located in Meridian, MS. Responsibilities for the position will include various operational tasks and customer support including reconciliation, tracking and monitoring of bank systems. Applicant should have working knowledge of Microsoft Office Word and Excel products. Experience within the banking industry and/or accounting experience is preferred. The position does hold opportunity for future advancement within the company. Interested candidates may contact leah.hearn@commercialbankms.com.

Commercial Lender: A commercial bank in Jones County is seeking a Commercial Lender. Preferred candidates will have a minimum of 5 years' experience in commercial and consumer lending with knowledge of credit, compliance and loan documentation. Must have the ability to conduct business development calls promoting the bank in a positive manner, willingness to participate in community events and activities and a history of doing so, and strong analytical and verbal and written communication skills. Interested candidates may submit resumes to adavis@msbankers.com.

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Loan Officers: Bank of Yazoo is seeking Loan Officers to serve in its Madison County and Rankin County market areas in a personal, hometown-bank environment. Positions will include both commercial and consumer lending.

Bachelor's degree in a business-related field and at least two year's lending experience is preferred. Basic knowledge of lending compliance and loan documentation is expected. Competitive salary and benefit package. Candidates interested in applying may submit a resume to aledbetter@bankofyazoo.com.

Mortgage Loan Originator: PriorityOne Bank, Southaven, Mississippi, is seeking an experienced Mortgage Loan Officer. This position requires two years prior mortgage experience. To apply, please visit our website at www.priorityonebank.com/career-opportunities.html.

Senior Commercial Lender: A unique financial institution has available a DeSoto County based position. Responsibilities include managing a commercial loan portfolio; developing new customer relationships; overseeing region or area's commercial and installment lending; and leading lenders to achieve and maintain required loan portfolio balance and yield. Conducts numerous credit administration duties. Candidate must have extensive, relevant experience in lending, credit, managing duties of others; and developing customer relations. Interested candidates can view position description and apply by visiting our Career Center.

Trust Operations and Administrative Support: A community bank in central Mississippi is seeking a candidate for Trust Operations. Perform daily trust system accounting data entry and assist as required in the day-to-day administration of trust accounts, answer incoming client calls and assist with any

THE MISSISSIPPI BANKER

inquiries. Must have the ability to take on multiple tasks simultaneously and manage them all effectively. Candidate must have a thorough understanding of General Accepted Accounting Principles. Candidate must be proficient in computer software systems to include word processing, databases and spreadsheets. Must have excellent oral communication skills, analytical and problem solving skills, including attention to detail. Prefer candidate to have bachelor's degree in a business related field and one plus years trust administrative experience with a solid understanding of trust office processes.

Interested candidates may submit resumes to adavis@msbankers.com.

JOB BANK POLICY FOR MBA MEMBERS:

Ads in The Mississippi Banker magazine and on this MBA web site will placed free of charge for MBA members for a period of 90 days. Please download and complete a Job Bank Form. MBA reserves the right to reject any ad or to change or limit the wording of any such ad.

FOR PERSONS SEEKING POSITIONS:

Ads will be placed free of charge on the MBA web site and in The Mississippi Banker magazine for an applicant seeking employment with a Mississippi bank, provided that the position sought is an officer level position and the applicant, as judged by the editor, is a legitimate candidate for the position.

MBA reserves the right to reject any ad, to limit or change the wording of any ad.

PLEASE NOTE:

Ads are not available for MBA Affiliates or non-members.

Bankers on the Move THE MISSISSIPPI BANKER

BankFirst

Community Bank

Community Bank

Grady W. Mitchener has joined the bank as senior vice president and commercial relationship manager for the Golden Triangle area. Mitchener has 34 years of banking and lending experience. He earned a Bachelor of Science degree in business management from Mississippi State University. He is also a graduate of the Mississippi School of Banking and the Southeastern School of Commercial Lending in Nashville, TN.

George Adams has joined the bank’s Forest office as vice president/lender. Adams is a graduate of Mississippi State with a degree in finance and a graduate of the Gradu- Adams ate School of Banking at Louisiana State University. He recently served as vice president/lender at Renasant Bank in Kosciusko and has worked in banking for 35 years.

Linda Nar y h a s been named branch operations officer at the bank. In her new role Nary will manage daily branch and staff operations. Nary recently served as administrative Nary assistant at the Hattiesburg branch and has been with Community Bank for 12 years and has worked in banking for 33 years.

Citizens Bank Phillip Branch has joined the bank as vice president. Branch earned a Bachelor of Accountancy from Mississippi State University and is also a graduate of the Mississippi Branch School of Banking.

Shon Kirkland has been promoted to assistant vice president & security officer/facilities manager. Kirkland joined the bank in 2007. He earned a Bachelor degree of Bu s i n e s s Ad m i n i s - Kirkland tration from Mississippi State University.

Ashley Peebles has been promoted to vice president & director of deposit services. Peebles joined the bank in 2003 after graduating from Mississippi Peebles State University with a Bachelor of Business Administration degree in general business and marketing.

Pe e b l e s i s a l s o a g r a d u ate of the American Bankers Association School of Bank Marketing.

Peyton Brown has been named loan officer. Brown has been with the bank for almost a year, most recently serving as a credit analyst. He earned a Bachelor of Business Brown Administration in Finance from Mississippi College.

Mar y K atherine King has been named assistant vice president, loan processing. King recently served as loan document officer and has been in banking for almost six years. King King earned a Bachelor of Business Administration degree from the University of Mississippi with an emphasis in Banking and Finance.

Kevin McCartney has been named assistant vice president. McCartney recently served as Loan Officer and has been in banking for four years. He is a graduate of Mississippi McCartney State University with a Bachelor of Business Administration in Marketing and a graduate of the Mississippi School of Banking at Ole Miss.

Liz Wells has been named business development specialist.

Wells recently served as loan assistant and has been in banking for almost five years.

Wells

Great Southern Bank Kimberly W. Shirley has been promoted to information security officer. Shirley joined the bank in 2017. She earned an Associate’s Degree at Meridian Community College, a Bachelor in Busi- Shirley ness Administration with a concentration in Accounting at Mississippi State University in Meridian, and a Juris Doctor Law Degree from Thomas M. Cooley Law School.

Merchants & Maine Bank Nick Bosco has been promoted to associate business banker at the main branch in Pascagoula. Bosco joined the bank in 2015. He earned a Bachelor of Arts Degree from the University of Mississip- Bosco pi, and is a recent graduate of the Mississippi School of Banking where he was elected president of his class.

MAY/JUNE 2018

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Bankers on the Move

THE MISSISSIPPI BANKER

Peoples Bank

Planters Bank

Planters Bank

Leslie Franklin has been promoted to vice president. She will continue her role in Human Resources and as a Training Officer. Franklin earned her degree from Western Carolina UniFranklin versity in Cullowhee, North Carolina and has more than 20 years of banking experience.

Melissa Cadenhead has been promoted to branch officer for the Leland branch. Cadenhead joined the bank in 2014. She is a graduate of Mississippi State University Cadenhead and graduated from the Mississippi School of Banking this spring.

Julian Harper has joined the bank as a loan officer in Magee. Harper earned his Bachelor of Science degree with a major in Finance and a minor in Computer Information Systems from William Carey College. Harper

Watson Cook has been promoted to branch officer for the Planters Bank offices in Inverness, Louise and Sunflower. Cook received his B.B.A. at Delta State University in General Business. Cook

Harry Patton has been promoted to first vice president for the Leland office. Patton joined the bank in 2007 and received his B.B.A. in Banking and Finance from MissisPatton sippi State University.

He is also a graduate of the Mississippi School of Banking and the Graduate School of Banking at Louisiana State University.

Ashley Jones has been promoted to vice president. Jones earned a degree in Communications at the University of Southern Mississippi.

She will continue her role in marketing, adJones vertising and public relations for the bank.

Jessica Milam has been promoted to first vice president/human resources. Milan joined the bank in 2008 and received a B.B.A. in Business Management from the University of Mississippi. Milam She currently serves on the Mississippi Bankers Association Human Resource Committee.

Re n e’ Jo n e s h a s been promoted to vice president, e-Banking.

She earned a degree in Banking and Finance from Mississippi State University and recently received her Jones certification as Accredited ACH Professional (AAP) from NACHA. Stella Swain has been promoted to loan officer. She began her banking career in 1998 and joined the bank in January 2001.

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Jamie Murrell has been promoted to first vice president/marketing. Murrell joined the bank in 2007. She is a graduate of Mississippi State University and the American Bankers Association’s School Murrell of Bank Marketing and Management. Murrell currently serves on the Mississippi Bankers Association Communications Council.

Swain

THE MISSISSIPPI BANKER

Rebecca Potter has been promoted to assistant BSA officer for the system of Planters Bank.

Potter is a graduate of Indianola Academy and Delta State University.

Potter

Andrew Whalen has been promoted to assistant vice president n Cleveland. Whalen received his B.B.A. in Finance from Mississippi State University. He graduated from the Mississippi Whalen School of Banking and is attending the Graduate School of Banking at Louisiana State University. Whalen serves as a county chairman for the Mississippi Young Bankers.

PriorityOne Bank Barry Scott Winford has joined the bank as senior vice president.

Winford has 25 years of banking experience and earned a Bachelor of Business Administration from MissisWinford sippi State University.

He also completed the Executive Development Program at The Wharton School of Business.

Bankers on the Move THE MISSISSIPPI BANKER

Renasant Bank

Trustmark Bank

Trustmark Bank

Sam Potts has been promoted to corporate treasurer and executive vice president.

Potts joined Renasant in 2013 after 10 years with M&F Bank. He will continue his curPotts rent responsibilities as chief investment officer for the Bank. Potts earned a Bachelor of Business Administration in Managerial Finance from the University of Mississippi and a Master of Business Administration from Mississippi College.

LeKeita Braddy has been named credit officer at corporate headquarters in Jackson .

Braddy has four years of banking experience.

She earned a Master of Business AdminisBraddy tration in Accounting and a Bachelor of Science in Business Administration in Accounting from Mississippi College.

Adam Hargett has been promoted to first vice president at corporate headquarters in Jackson, where he serves as credit officer.

Hargett has 11 years of banking experience Hargett and earned a Bachelor of Business Administration from Mississippi State University.

Sycamore Bank Pam Hawks has been named operations and training officer.

Hawks joined the bank in 2004, left in 2010 to teach and rejoined the bank in 2014. She earned an Associate degree from Northwest Hawks Mississippi Community College and a Bachelor degree in Elementary Education from Delta State University.

Doug McClure has been named senior vice president/Tate County senior lender. McClure received his B.B.A. from Delta State University and is also a graduate of the Graduate School of Banking at Louisi- McClure ana State University.

He has been with the bank for 23 years.

David Mock has joined the bank as a new vice president/loan officer in Senatobia.

Mock earned a degree in Marketing from Delta State University and has 24 years of experience in the finance industry. Mock

Meredith Davis has been promoted to credit officer at corporate headquarters in Jackson.

Davis has nine years of banking experience and earned a Bachelor of Science in Business Administration from Davis Mississippi College.

Tyler Fears has been promoted to risk officer at corporate headquarters in Jackson. Fears has four years of experience in the financial industry and earned a Bachelor of Business Administration from Fears the University of Mississippi with concentrations in Banking & Finance and Managerial Finance.

Allen Hart has been promoted to senior vice president at corporate headquarters in Jackson. Allen earned a Bachelor’s degree and a Master’s degree from the University of Mis- Hart sissippi. She has 34 years of banking experience and is a graduate of the Mississippi School of Banking.

Sonya Parker has been promoted to assistant vice president at corporate headquarters in Jackson, where she serves as credit analyst.

Parker has 11 years of banking experience and earned a Bachelor of Parker Science in Business Administration with a concentration in Accounting from Mississippi College.

Laroy Savage has been promoted to vice president at the bank’s Colony Park officer.

Savage has 12 years of banking experience. He earned a Bachelor of Business Administration in Accounting from Savage Delta State University and has completed the Graduate School of Banking at Louisiana State University.

Please submit banker promotion and new hire information and photos to editor@msbankers.com

MAY/JUNE 2018

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8

MBA Professional Development

Webinars

Training opportunities at your convenience

Visit msbankers.com to view and register for these webinars and more THURSDAY, JULY 19 HMDA 10:00 a.m. - noon

Managing a Successful Call Center 10:00 a.m. - noon

TUESDAY, JULY 10

Incident Response and Forensics 1:30 - 3:30 p.m.

CRE Appraisals: Appraisal Components, Approaches to Values & Cap Rates 1:30 - 3:30 p.m.

Best-Ever Compliance Checklists for Consumer Loans 1:30 - 3:30 p.m.

Handling Loan Applications – What can go wrong?

10:00 a.m. - noon

WEDNESDAY, JULY 11

FRIDAY, JULY 20

Preparing a New Manager for Success 10:00am - noon ____________

Flood Insurance 10:00 a.m. - noon

MONDAY, JULY 23

Cyber Security and FFIEC Regulatory Expectations 1:30 - 3:30 p.m.

THURSDAY, JULY 12 ATM Cashout Scams 10:00 a.m. - noon

TUESDAY, JULY 24

Business Writing for Financial Professionals 1:30 - 3:30 p.m.

ACH Origination for Lenders and Cash Management 10:00am - noon

MONDAY, JULY 16

Developing a Strong Enterprise-Wide Risk Assessment for your ERM Program 1:30 - 3:30 p.m.

____________

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

WEDNESDAY, JULY 25

Business Development for Lenders 1:30 - 3:30 p.m.

TUESDAY, JULY 17

Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc. 10:00 a.m. - noon

THURSDAY, JULY 26 Audit Report Writing 10:00 a.m. - noon

Increasing Fee Income without Raising Fees 1:30 - 3:30 p.m.

FRIDAY, JULY 27

Lending to Churches and Other Religious Institutions 10:00 a.m. - noon

WEDNESDAY, JULY 18 Customer Due Diligence with Beneficial Owners 10:00 a.m. - noon

Advanced Commercial Loan Documentation 1:30 - 3:30 p.m.

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TUESDAY, JULY 31

MONDAY, JULY 9

____________

MONDAY, JULY 30

Untangling the Web of Fee Disclosures 1:30 - 3:30 p.m.

THE MISSISSIPPI BANKER

____________

THURSDAY, AUGUST 2

Current Expected Credit Losses (CECL): How to Calculate/Maintain Proper Allowance 10:00 - noon

FRIDAY, AUGUST 3

Excel Explained: Budget Spreadsheets 10:00am - noon ____________

TUESDAY, AUGUST 7

Coaching Tellers to Excellence 1:30 - 3:30 p.m. ____________

THURSDAY, AUGUST 9

Dealing with Casual Days, Dress Codes and Work Appearance 10:00 a.m. - noon ____________

TUESDAY, JULY 14 Compliance Management 10:00 a.m. - noon

Three Key Risk Assessments in Your ERM Program: ERM, IT, and Internal Controls 1:30 - 3:30 p.m.

WEDNESDAY, AUGUST 15 Dealing with Appraisals: Regulations and Requirements 10:00 a.m. - noon

MBA Endorsed Vendors MBA endorsements allow our association to make valuable products & services available to member banks on a favorable basis. These products & services come highly recommended by bank clients and other state banking associations.

ABA Bond and D&O Insurance Offered by ABA Insurance Services

CRA Partners

Keystate Captive Management

Solution for funding uncovered insurance risks and tax incentives under Internal Revenue Code

(Powered by Senior Housing Crimestoppers) Turn-key solution for CRA credit Thumbprint Signature Program requirements Products that allow banks to capture thumbprints of non-customers cashOffice Depot Purchase Program ing checks National group discount program specifically designed for financial Stockett & Thomas institutions Insurance provider for MBA’s Group Insurance Programs

Banker THE MISSISSIPPI

• Annual subscriptions & single issues available

Vizaline

Mississippi-based company offers geo-spatial imagery to banks for reviewing metes and bounds legal descriptions

CONTACT

Brooke McCoy 601-948-6366

VISIT

msbankers.com

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Banker THE MISSISSIPPI

SEPTEMBER/OCTOBER 2017 VOLUME 102 • NUMBER 2

A BANKER IN EVERY CLASSROOM October 30 - November 3, 2017

Also in this issue: • • • •

MBA standing committees for 2017-18 Enrollment open for Mississippi School of Banking 2017 MBA Washington Visit MYB Annual Leadership Conference, Golf Tournament

• Advertising opportunities for our magazine, events, & more Subscription & advertising rates Contact Brooke McCoy, 601-948-6366, mccoy@msbankers.com Visit msbankers.com MAY/JUNE 2018

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247 Industrial Drive N 601-853-7300 1-800-844-7301 www.hederman.com

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