Banker THE MISSISSIPPI
NOVEMBER/DECEMBER 2017 VOLUME 102 • NUMBER 3
Happy Holidays In this issue: • • • •
Preview of the 2018 session of the Mississippi Legislature US Congress acts on banking legislation 7th Annual 'A Banker in Every Classroom' update and photos 0%$ $I¿OLDWHV VXSSRUW 0LVVLVVLSSL EDQNV
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The official publication of the Mississippi Bankers Association McKinley W. Deaver • Editor
FOUNDED 1889
Volume 102 • Number 3 • NOVEMBER/DECEMBER 2017
OFFICERS Chairman Jerry Host, Jackson Vice Chairman Mary Childs, Ripley Treasurer Greg McKee, Philadelphia President McKinley W. Deaver, Jackson
BOARD OF DIRECTORS 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 Terms Expiring 2020 Shannon Aker, Brookhaven Shane Clayton, Pontotoc Alan Hargett, Indianola Gee Gee Patridge, Ridgeland Danny Whalen, Cleveland Ex-Officio Members Jerry Host, Chairman, Jackson Mary Childs, Vice Chairman, Ripley Greg McKee, Treasurer, Philadelphia Frank Sibley, Retiring Chairman, Marks George Marx, Preceding Chairman, Hazlehurst
Features Mississippi Legislature convenes January 2 ................................. 6 MBA prepares for 2018 session
MBA Education Foundation ...................................................... 8 Opening doors, unlocking opportunity
GSB at LSU: Developing bank leaders since 1950..................... 9 School's 69th session set for May 20 - June 1, 2018
7th Annual 'A Banker in Every Classroom'..........................10-12 Financial presentations made to more than 10,000 students
MBA Affiliates provide banking products, services ..............16-22 117 Affiliates give vital support to banking industry
Departments From the President ..............................................................................................................2 Good Neighbors..................................................................................................................3 Around the State ............................................................................................................. 4-5 Bankers on the Move.........................................................................................................24
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 Manager of Insurance Services.........Sherell Taylor Business/Accounting Manager...... Shannon Hennen
Webinars ...........................................................................................................................25 MBA Job Bank............................................................................................................ 26-27 American Bankers Association...........................................................................................28
The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone 601-948-6366. Periodicals Postage paid in Jackson, Mississippi. POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037.
YOUNG BANKERS SECTION President.......................Wes Rouse, Hattiesburg Vice President.......................Bob Glover, Ripley Treasurer......................... Marc Petro, Ridgeland
The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements. Printed By Hederman Brothers, Ridgeland, MS NOVEMBER/DECEMBER 2017
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From the President THE MISSISSIPPI BANKER
Ending the year with thanks, anticipation By Mac Deaver, MBA President With the arrival of the holiday season, our Mississippi banking family has much to be thankful for. During the past year, bankers have been buoyed Deaver b y a n i m p r ov i n g economy and a noticeably more positive regulatory environment. And there has been some genuinely good news coming from Washington, with the anticipation of more. As 2017 draws to a close, the most significant regulatory relief legislation since the Dodd-Frank Act is winding its way through Congress. On December 5, the U. S. Senate banking committee approved a banking reg reform bill – on a bipartisan vote, no less. With similar legislation having already passed the House, there is promise that final enactment could be only weeks away. There also are encouraging developments on tax reform, as both the House and Senate have passed major tax legislation. A Senate-House conference com-
mittee has already begun work, with the goal of having a final bill on the President's desk by the end of the year. Of course, back in October, Congress passed a resolution that was signed by President Trump to effectively repeal the CFPB’s arbitration rule that was a real detriment to banks and other businesses. (More details on Congressional activity appear on page 7.) As always, with the arrival of a new year, the Mississippi Legislature will not be far behind. The 2018 regular session will convene on Tuesday, January 2, and it is expected that legislators’ primary focus will be on revenue and budget matters. While the list of anticipated bank-related legislation is not long, there could be significant activity on several issues important to the industry. (See page 6 for a report on the MBA Legislative Committee’s recent meeting.) With the support and participation of hundreds of bankers, the past year has been a busy and successful one for the MBA. We have continued to implement our strategic plan, seeking to increase banker involvement and max-
imize the value of MBA membership. During the year, we made changes to our fiscal year, experienced staff changes, and promoted a growing number of endorsed programs. Our banker and consumer education programs continue to flourish. (See pages 10-12 for a report on the continued success of “A Banker in Every Classroom.”) It is impossible to personally thank everyone who has contributed to another great MBA year. Special thanks go to the MBA leadership and staff for their diligent work in helping make 2017 a rousing success. Here’s wishing each of you and your families the joys of this special season.
MBA to offer digital version of 2018 Mississippi Bank Directory The Mississippi Bankers Association will be offering a digital version of its 2018 Mississippi Bank Directory, in addition to the traditional print version. The new directory is expected to be distributed in early February. The MBA is working with BankNews Media to produce the 2018 directory, which is currently being compiled with assistance from Mississippi banks. The new digital version will be available 2
through online subscriptions or in a flash-drive format. The design and content of the directory will largely be the same as in the past. The Mississippi Bank Directory serves as a reference guide that includes contact information for all banks offices operating in the state, as well as listings of selected bank officers, bank regulatory agencies, state and federal public officials including members of the U.S. Congress and
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the Mississippi Legislature, and other industry organizations. The directory also includes a guide to more than 100 MBA Affiliate members that offer a wide variety of products and services to Mississippi banks. Ordering information for the 2018 Mississippi Bank Directory will be available soon. Bankers may contact Amy Davis, MBA senior vice president of operations, for more information.
Good Neighbors THE MISSISSIPPI BANKER
Peoples Bank, Mendenhall, announces winner of Christmas card contest Peoples Bank, Mendenhall, received hundreds of entries from Covington, Rankin, Simpson and Smith counties for their 2017 Christmas card contest. Winners were presented with a framed copy of their artwork and an award medal at a reception at the bank's Magee office on November 29. Overall winner Jake Butler, son of Russell and Misty Butler, is 10 years old and attends 4th grade at Mize Attendance Center. Jake will receive a $100 savings account and his drawing will be featured on the cover of Peoples Bank’s annual Christmas Greeting Card.
Nine Jackson area banks work together In 2017 Habitat Bankers Build project Strong neighborhoods build strong communities. This is the spirit that led nine Jackson area banks to partner for the third year in a row with Habitat for Humanity Mississippi Capital Area to build a home for a local family. Partnering in this unique collaboration were Trustmark, Wells Fargo, Regions, BancorpSouth, Origin Bank, Renasant Bank, First Commercial Bank, BankFirst and Community Bank. Employees from these banks volunteered in October and early November to construct a Habitat house at 2860 Greenview Drive in Jackson. This was the third Habitat house that the Bankers Build partnership had sponsored on the street. “The partnership serves as a model for the entire community, showing what can be accomplished when we work together,” said Larry Ratzlaff, 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
Employees of nine Jackson area banks participated in the 2017 Bankers Build project sponsored by Habitat for Humanity Mississippi Capital Area. These bankers, pictured above with homeowner Gloria Kincaid, worked together to help construct a Habitat house on Greenview Drive in Jackson. Sponsoring this year's Bankers Build were BancorpSouth, BankFirst, Community Bank, First Commercial Bank, Origin Bank, Regions Bank, Renasant Bank, Trustmark Bank, and Wells Fargo.
through affordable homeownership.” The 2017 Bankers Build Habitat house was purchased with a no-interest mortgage by Gloria Kincaid, who has been working alongside the Bankers Build volunteers in constructing her new home. “I feel like I am the luckiest woman in
the world for my family to be getting the opportunity to own a home,” she said. “I want to thank all of the banks who are sponsoring this build, the employees who are volunteering, and Habitat for Humanity for making home ownership possible for my family. This is a dream come true.”
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Around the State THE MISSISSIPPI BANKER
Former Graduate School of Banking president Clifton Fowler passes away Clifton Fowler, who enjoyed a distinguished 45-year career as a Mississippi banker, passed away on October 20 at the age of 69. Fo w l e r d i s t i n guished himself in of- Barnes ficer positions at three prominent Mississippi banks, and he served the banking industry in numerous roles. He began his career in 1971 at First National Bank (now Trustmark National Bank), Jackson. He later served as Starkville president of National Bank of Commerce of Mississippi (now Cadence Bank). At the time of his death, he was Rankin
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County president of Bank of Forest. For many years, Fowler was involved in activities of the Mississippi Bankers Association and Mississippi Young Bankers. He served the MBA as chairman of the association's political action committee, MissBankPAC, on which he served for a number of years. He also served as a member of the MBA legislative, lending and nominating committees. He served as secretary of Mississippi Young Bankers and was a member of the MYB executive council. A proud alumnus and dedicated supporter of the Graduate School of Banking at LSU, Fowler is one of six Mississippi bankers to serve as GSB president. In recent
THE MISSISSIPPI BANKER
years, he served on the GSB faculty. Fowler was born in 1948 to James Clifton and Gunnell Boden Fowler of Aberdeen. He was a member of Sigma Alpha Epsilon fraternity at Mississippi State University, and after graduation from State, he served in the United States Army. He was a dedicated and active member of Christ United Methodist Church in Jackson. In his spare time, he enjoyed fellowship with family and friends, fishing, golf, and Mississippi State athletics. He is survived by Sherry (Cribbs), his wife of 43 years, as well as his children Jason and Susan and granddaughter Elin.
Around the State THE MISSISSIPPI BANKER
Zito receives national program manager award
Leigha McLendon named to list of top 100 lenders
M i k e Z i t o , J r. , President of Trustmark Financial Services in Jackson was recently recognized as one of the Top 25 Program Managers in the country by Bank Investment Consultant(BIC), a lead- Zito ing information source for bank and credit union financial advisors. The list recognizes successful bank and credit union program managers based on several key factors, including total team assets under management, percentage growth of team assets, the number of advisors and licensed branch employees supervised by the program manager, among other criteria.
Leigha McLendon of BankPlus was recently named one of the Top 100 SBA 7(a) lenders in the nation, as selected by The Coleman Report, a leading provider of information to small business bankers and a large McLendon producter of training courses and webinars in regards to SBA. McLendon became director of guaranteeed lending at BankPlus 5 years ago. During her time in this position, the bank's guaranteed lending has increased from $3 million to more than $50 million.
COMING SOON
2018 Mississippi Bank Directory
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The most up-to-date information on Mississippi’s banks, government officials, state and federal regulatory agencies and other industry trade associations.
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Listing of MBA Affiliates offering products and services to Mississippi banks. Limited directory advertising offered exclusively to these affiliates.
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Available through online subscription and flash drive in addition to traditional printed format.
NOVEMBER/DECEMBER 2017
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MBA Legislative Update THE MISSISSIPPI BANKER
MBA studies positions on state legislation Legislature to convene 2018 session on January 2 With the Mississippi Legislature set to return to Jackson on January 2, the Mississippi Bankers Association is working to research issues and develop association positions on bank-related issues expected to be addressed in 2018. The MBA Legislative Committee, chaired by Clay Wagner of Hancock Bank, met on November 7 to study and discuss issues. Commissioner Charlotte Corley of the Mississippi Department of Banking and Consumer Finance met with the committee to preview the department’s legislative agenda for 2018. Ten days later, the MBA Bank Attorneys Committee, chaired by Tom Walker of Brunini, Grantham, Grower, and Hewes, convened to review issues based upon the feedback provided by the Legislative Committee. Before the 2018 legislative session begins, these committees will continue their work with MBA leadership and staff. Proposed positions and priorities will go before the MBA board and membership, which association chairman Jerry Host will convent on January 18 in Jackson. Wagner and Walker will participate in
MBA legislative committee members met to study and discuss issues expected to be addressed during the 2018 state legislature session.
these meetings, presenting their committees’ recommendations. Most banking legislation can be expected to go before the Senate and House “banking committees” Sen. Rita Parks of Corinth will again chair the Senate Banking and Financial Institutions Committee, while Rep. Henry “Hank” Zuber of Ocean Springs returns to chair the House Banking and Financial Services Committee. Other bank-related legislation is likely to be considered by the judi-
April 8-14, 2018 University of Mississippi Oxford Contact Amy Davis adavis@msbankers.com
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THE MISSISSIPPI BANKER
ciary committees in both chambers. Gordon Fellows, MBA senior vice president for government relations, manages the association’s lobbying efforts. Bankers are encouraged to contact Fellows with questions, comments and suggestions regarding legislation and to learn how they can participate in the MBA grassroots lobbying network. Fellows can be reached by email at gfellows@msbankers.com or by telephone at 601-948-6366.
Applications d ue February 1, 2 018 VISIT msbankers.co
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MBA Legislative Update THE MISSISSIPPI BANKER
Congress repeals CFPB arbitration rule; Reg relief, tax reform move forward As 2017 comes to a close, bankrelated legislation has become an area of focus in the United States Congress. Decision makers in Washington acted on legislation that stands to have a tremendous impact on the banking industry. Below are summaries and developments on each of these matters. Arbitration Rule On October 24, the United States Senate passed H.J. Res 111, legislation drafted to “undo” the CFPB’s “Arbitration Rule.” This bipartisan legislation passed the Senate in dramatic fashion as Vice President Mike Pence cast the deciding vote to break a 50-50 tie. On November 1, President Donald Trump signed H.J. Res 111 into law, effectively repealing the CFPB’s rule. The MBA strongly supported this legislation and lobbied the Mississippi Congressional delegation on this issue during the MBA’s 2017 Washington Visit in September. Among the points in favor of repeal of the rule were that arbitration is faster, less costly, and more consumerfriendly than class action litigation. Mississippi Congressmen Trent Kelly, Gregg Harper, and Steven Palazzo all voted in favor of H.J. Res 111 in the House, and Senators Thad Cochran and Roger Wicker both supported the resolution in the Senate. Senators Cochran and Wicker were original cosponsors of the Senate companion to H.J. Res 111, and they both worked with Senate leaders to ensure that the resolution came to a floor vote. Enactment of H.J. Res 111 was a significant legislative victory for the banking industry, and bankers are encouraged to thank these Senators and Congressmen
for supporting this legislation. Bank Regulatory Relief On December 5, the Senate Banking Committee approved S. 2155, the Economic Growth, Regulatory Relief and Consumer Protection Act. This bill, sponsored by committee chairman Sen. Mike Crapo, was approved with strong bipartisan support. The legislation includes a number of positive changes supported by the MBA, ABA, ICBA, and other industry groups. The Senate committee action followed House passage of reg relief legislation earlier in the session. S. 2155 now awaits floor action in the full Senate. Provisions included in the Senate bill that are supported by the MBA would (1) exempt some loans held in portfolio from “qualified mortgage” (QM) rules, (2) provide HMDA relief for banks that make less than 500 covered loans, (3) simplify capital requirements for community banks, (4) clarify that certain reciprocal deposits are not brokered deposits, (5) provide for broader application of Short Form Call Reports and the Small Bank Holding Company Policy Statement, (6) give broader application of the 18-month exam cycle for certain banks, and (7) revise the “systemically important financial institution” (SIFI) designation and change stresstesting requirements for certain banks. Tax Reform On December 1, the U. S. Senate passed major tax reform legislation on a partisan 51-49 vote. The Senate action followed House passage of a tax reform bill in November. Because of differences in the two bills,
a conference committee is working to finalize tax legislation with the stated goal of having it on the President's desk before the end of 2017. The MBA joined other groups in lobbying on bank-related tax provisions in the legislation. Among other issues, our association lobbied for removal of language that would have penalized employees who participate in deferred compensation plans. This provision was removed from both the Senate and House bills with the support of the Mississippi delegation. The MBA also worked for changes to "pass-through" language that would create a major gap between taxation of Sub-S and C-Corp banks. Improvements were made to pass-through provision by the Senate. Despite lobbying efforts by the banking industry, neither the Senate or House bill made changes to remove the tax advantages enjoyed by credit unions or the Farm Credit System in their competition with banks. The MBA thanks the Mississippi delegation for their work for positive tax reform. The MBA will continue to work with the Mississippi delegation as this issue moves forward. For more information on these or other legislative issues, contact MBA senior vice president for government relations Gordon Fellows at gfellows@ msbankers.com or 601-948-6366.
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Developing leaders for Mississippi banking 68th annual session of GSB at LSU set May 20-June 1, 2018 For almost 70 years, the Graduate School of Banking at Louisiana State University has been at the forefront of developing leaders for Mississippi’s banking industry. Mississippi banker Orrin Swayze was the driving force in establishing the school (then known as the School of Banking of the South) in 1950. The Mississippi Bankers Association was one of nine state bankers associations that joined as founding cosponsors of the school. Seventeen Mississippi bankers were among the 100 members of the school’s first class. Of the 15,000 bankers who have graduated from GSB over the years, more than 10 percent have been Mississippians. Today, literally hundreds of senior bank officers in our state are GSB graduates. MBA chairman Jerry Host and dozens of other Mississippi bank CEOs are among the school’s alumni. GSB’s enrollment has grown to approximately 450 each year, including
bankers from across the United States as well as from several foreign countries. Today, 15 state bankers associations – from Virginia to Texas – sponsor the school. A 33-member Board of Trustees made up of bankers and bankers association leaders supports Dr. Don Woodland, longtime GSB director in keeping the curriculum current and maintaining the highest standards on the faculty. Currently, Max Yates of BankPlus serves on the GSB board, along with MBA president Mac Deaver. The GSB faculty includes bankers, industry professionals, regulators and university educators. A number of Mississippians serve on the school’s faculty, including Dr. Mike Highfield of Mississippi State, who also serves the school as academic director.
Beginning with Orrin Swayze, there have been six Mississippi bankers serve as GSB president. Other presidents from our state have included Robert Gaddis, George Schloegel, Harry Walker, Clifton Fowler and Tommy Darnell. The school’s intensive program of study includes three two-week sessions on the LSU campus and home study problems completed between sessions. An emphasis of the school is banker interaction, as students work together and develop relationships that benefit them and their employers. Applications are now being accepted for the school's 2018 session. Deadline to register is April 16. Details on the school – including a complete list of the curriculum and faculty – and application forms are available on the GSB website at www.gsblsu.org. Application forms and additional information may also be obtained from the GSB office by calling 888-278-0025.
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Taking Off! 'A Banker in Every Classroom' continues tradition of success This year, Governor Phil Bryant proclaimed October 30-November 3 as "A Banker in Every Classroom" (BIEC) Week in Mississippi, marking the launch of the seventh year of the MBA's financial education project. During this week, the project continued its great success as hundreds of bankers and teachers made presentations to thousands of K-12 students across Mississippi. "BIEC was developed to create relationships between bankers and teachers that would benefit local students," explains Amy Davis, MBA senior Vice President. "This year, many school visits were scheduled by bankers and teachers themselves, rather than my MBA
staff. This means the program is doing what it is supposed to do," she added. BIEC continues to be one of the largest financial education initiatives in Mississippi. The MBA supports continued classroom presentations throughout the coming year. "BIEC is a great opportunity for bankers to collaborate with teachers on the local level to impact the lives of students who will become bank customers and, in some cases, future bankers," Davis said. She added that planning is underway to enhance the program in 2018. Featured below are a number of photos of BIEC classroom sessions. For more photos and additional information, visit msbankers.com.
BancorpSouth, Hattiesburg: Tina Gibbs and Stacy Hall visited Grace Christian Elementary School. They took envelopes and asked the students to draw on the envelope what they are saving their money for. One little boy drew a man with a walker and said he is saving for retirement.
Merchants and Marine Bank, Pascagoula: Nick Bosco visited young studenst at Resurrection Catholic School in Pascagoula. 10
THE MISSISSIPPI BANKER
Citizens Bank of Philadelphia: Derrick Killingsworth from the bank's Cedar Lake branch visited young students at Gautier Elementary School.
Thanks to all bankers, teachers, banks and schools for their participation!
BankofYazoo: Ryan McInnis spent time talking money and saving with these 6th graders from Northwest Rankin Elementary School.
Renasant Bank, Coffeeville: Alkeus Campbell visited Coffeevillle Elementary School.
Charter Bank, Biloxi: Reagan Bridley visited a 7th grade class at Colmer Middle School in Pascagoula.
First Choice Bank, Ecru: Rob Chittom visited 4th grade students at the North Pontotoc Elementary School.
RiverHills Bank, Vicksburg: David Blackledge and Debra Kette visited 6th graders at Redwood Elementary School.
Community Bank, Madison: Marc Petro and Lacey Crews visited a kindergarten class at Mansdale Elementary School in Madison. NOVEMBER/DECEMBER 2017
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MBA's ‘A Banker in Every Classroom’ 2017 event photos
Bank of Commerce, Greenwood: Tim Stanciel and Barbara Box visited students at Greenwood High School.
Planters Bank, Indianola: Grant Phillips spoke to Indianola Academy students. The Super Saver Heroes won the savings challenge!
For more photos and information VISIT msbankers.com
CONTACT Amy Davis adavis@msbankers.com First Bank: Kim Tynes and Trulee Torre made financial literacy presentations to these students at Amite County High School in Liberty.
Hancock Whitney Bank, Hattiesburg: Greg Hodges visited Oak Grove High School. 12
THE MISSISSIPPI BANKER
Peoples Bank, Biloxi: Christy Ireland visited an enthusiastic 3rd grade class at St. Vincent De Paul Elementary.
4th annual MYB Day at the Capitol SAVE THE DATE - February 7, 2018 A great opportunity for rising Mississippi bank officers to spend a day at the State Capitol, interact with government officials and be involved in the legislative process. (Details and registration materials will be distributed in January.) FOR MORE INFORMATION
Contact Gordon Fellows gfellows@msbankers.com
2018 Mississippi Young Bankers Convention The Grand Hotel, Point Clear, AL
March 10-14
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Mississippi bankers serve in leadership of ABA, ICBA The bankers listed below current serve on standing committees and councils of the American Bankers Association and the Independent Community Bankers of America. We appreciate the leadership they provide in these roles to help represent the interests of all Mississippi banks. Andy Anderson Johnny Barrett Bank of Anguilla FNB Oxford Bank ABA Community Bankers Council ICBA Legislative Issues Committee ABA Membership Council John Hairston Robbie Barnes Hancock Whitney Bank PriorityOne Bank ABA American Bankers Council ICBA Federal Delegate Board ICBA Legislative Issues Committee Jerry Host Trustmark National Bank ABA American Bankers Council Michael Schloegel Hancock Whitney Bank ABA Bankers Advocacy Henry Logue Merchants & Planters Bank and Grassroots Committee ABA Community Bankers Council
2018 MBA Educational Events January 24-25 Lending Conference
February 8 IRA Advanced Update
February 21-22
2 Day BSA/AML Conference
March 27
Women in Banking Conference
VISIT msbankers.com CONTACT lrichardson@msbankers.com 14
THE MISSISSIPPI BANKER
Chuck Nicholson Community Bancshares of Mississippi ABA Government Relations Council Administrative Committee Clay Wagner Hancock Whitney Bank Chairman, ABA BankPac Committee ABA Government Relations Council Administrative Committee Scott Woods Fisher Brown Bottrell Insurance, Inc./Trustmark National Bank ABA Bank Insurance Council
MBA-sponsored plans offer stable source Of medical benefits for member banks and provides actuMBA medical proFor over 60 years, the Mississippi arial services. Stockett gram, contact Chad Bankers Association has offered a pro& Thomas Agency St o c k e t t o r Cu r t gram of group medical insurance for serves as program Thomas at Stockett its member banks. Since 1991, the asconsultants to and & Thomas at 601sociation has sponsored a self-insured markets the program 948-3733. Adminprogram operated by the Mississippi t o M B A m e m b e r istrative questions Bankers Voluntary Employees' BenefiJones Phllips banks. MBA president may be directed to ciary Association (VEBA) Plan & Trust. Mac Deaver serves as Taylor at the MBA The MBA-sponsored program has enjoyed a solid record of providing secretary to the Board of Trustees. o f f i c e a t 6 0 1 - 9 4 8 - 6 3 6 6 . For more information about the attractive benefits at stable premium rates. Currently, 48 MBA member banks - a majority of the banks in the state - offer medical insurance to their employees though the program. The MBA-sponsored program operates as an independent trust governed by a Board of Trustees composed of senior officers of participating banks. Current members of the Board of Trustees are Shannon Aker, Brookhaven; Allen Breland, Forest; Kirk Graves, Ridgeland; Brad Jones, Meadville; Henry Logue, Raymond; Sam McClatchy of Holly Springs, Jeff McCoy, Meridian; and Phil Williams, Yazoo City. This year, Jones is completing his third year as chairman of the Trust. At the board's October meeting, Williams was elected to succeed Jones as chairman. The program offers medical coverage through six different plans which offer a range of premiums and benefits. The program's Board of Trustees manages plan reserves, tracks claims experience, and approves terms and premiums for the six plans. In recent years, the trustees have taken actions to assure compliance with changing insurance laws and maintain the program's success. Sherell Taylor, MBA manager of Everyone needs a trusted advisor. insurance services, oversees internal administration of the program and Who’s yours? works closely with member banks. Blue Cross Blue Shield of Mississippi handles claims administration bkd.com/FS | @bkdFS
No detail too small.
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MBA Affiliates THE MISSISSIPPI BANKER
The 117 companies and firms listed on these pages support Mississippi banks and bankers as MBA Affiliates and provide outstanding products, services and expertise that help keep our state’s banking industry strong. All Mississippi banks are encouraged to consider these firms and companies when seeking vendors to assist you in better serving your customers and communities.
ACCOUNTING Alexander Thompson Arnold CPAs 2070 Rhino Crossing Milan, TN 38358 731-686-8371 Jack Matthis, jmatthis@atacpa.net www.atacpa.net BKD LLP 190 E. Capitol St. Suite 500 Jackson, MS 39201 601-948-6700 Fax 601-948-6000 Lance Davis, lancedavis@bkd.com Trey Turnage, tturnage@bkd.com www.bkd.com Carr, Riggs & Ingram, LLC 282 Commerce Park Dr. Ridgeland, MS 39157 601-853-7050, Fax 601-853-9331 Randy Eure, reure@cricpa.com www.cricpa.com Crowe Horwath LLP 720 Cool Springs Blvd., Suite 600 Franklin, TN 37067-7260 615-515-5683, Fax 615-399-3663 Don Cleary, don.cleary@crowehorwath.com www.crowehorwath.com/fi Grantham Poole 1062 Highland Colony Pkwy., Suite 201 Ridgeland, MS 39157 601-499-2400, Fax: 601-499-2401 Dickens Fournet dfournet@granthampoole.com www.granthampoole.com 16
HORNE LLP 1020 Highland Colony Pkwy., Suite 400 Ridgeland, MS 39157 601-326-1342, Fax 601-898-9054 Hans Pettit, hans.pettit@hornellp.com www.hornellp.com Mauldin & Jenkins 2000 Southbridge Parkway, Suite 501 Birmingham, AL 35209 205-445-2880 Bill Curtis, bcurtis@mjcpa.com www.mjcpa.com Nail McKinney P.A. PO Box 196 Tupelo, MS 38802 662-842-6475, Fax 662-842-4531 James Pegues,jpegues@nmcpa.com www.nmcpa.com Porter Keadle Moore, LLP 235 Peachtree St. NE Suite 1800 Atlanta, GA 30303 404-420-5631, Fax 404-588-4222 Sonny MacArthur smacarthur@pkm.com www.pkm.com Postlethwaite & Netterville 8550 United Plaza Blvd., Suite 1001 Baton Rouge, LA 70809 225-922-4600, Fax 225-922-4611 Candy Wright, cwright@pncpa.com www.pncpa.com
THE MISSISSIPPI BANKER
Reynolds, Bone & Griesbeck, PLC Clark Ctre, 5100 Wheelis Dr., Ste. 300 Memphis, TN 38117-4568 901-682-2431, Fax 901-683-5482 Joseph Callicutt, jcallicutt@rbgcpa.com John Griesbeck, jgriesbeck@rbgcpa.com www.rbgcpa.com Saltmarsh, Cleaveland & Gund 900 N 12th Avenue Pensacola, FL 32501 800-477-7458 Bill Massey bill.massey@saltmarshcpa.com www.thebankadvisors.com and www.saltmarshcpa.com Silas Simmons, LLP 209 North Commerce Street Natchez, MS 39120 601-442-7411 Fax 601-442-8551 Benny Jeansonne bjeansonne@silassimmons.com www.silassimmons.com T. E. Lott & Company, PA PO Box 471 Columbus, MS 39703-0471 662-328-5387 Charles Hawkins,mhawkins@telott.com Stewart Greene, sgreene@telott.com, Leslie Wood, Lwood@telott.com www.telott.com/ Watkins Uiberall, PLLC 1661 Aaron Brenner Dr, Suite 300 Memphis, TN 38120 901-761-2720, Fax 901-683-1120 417 West Main Street, Suite 100 Tupelo, MS 38804-3842 Nina Gourley, ngourley@wucpas.com www.wucpas.com Williams, Weiss Hester & Co., PLLC PO Box 16506 Jackson, MS 39236 601-981-7571, Fax 601-981-4132 Doug Hester Doug.hester@wwhcpa.com www.wwhcpa.com
MBA Affiliates THE MISSISSIPPI BANKER
Wilson & Biggs PLLC PO Box 930 302 Town Center Place Ste C Ridgeland, MS 39158 601-957-2001, Fax 601-957-6081 Mark Biggs, markb@wilsonbiggspllc.com www.wilsonbiggspllc.com
BANKING AND PAYMENT TECHNOLOGIES FEDCorp, Inc. 2169 Stanton Rd., Ste 100 Daphne, AL 36526 251-661-6286, Fax 251-661-6905 Mike Pruett, mikep@fedcorpatm.com Chip Smith, chips@fedcorpatm.com www.fedcorpatm.com Financial Institution Service Corp. 500 Pavilion Road West Monroe, LA 71292 318-387-0691 Fax 318-387-9620 Patrick L. Spencer, pat.spencer@fiscdp.com www.fiscdp.com Fiserv 255 Fiserv Drive Brookfield, WI 53045 843-325-4529 Rick Faust, rick.faust@fiserv.com www.fiserv.com ICBA Services Network 4209 Kinsmon Way Marietta, GA 30062 770-650-9810 David Moore, david.moore@icba.org www.icba.org Jack Henry & Associates 663 West Highway 60 Monett, MO 65708 417-235-6652, Fax 866-283-5404 Joel P. Thomas, joelthomas@jackhenry.com www.jackhenrybanking.com
Become an MBA Affiliate! MBA Affiliates receive many benefits, including: • • • • • • • • • •
Listings in The Mississippi Banker magazine and the Mississippi Bank Directory Listing and link on the MBA website, msbankers.com Two (2) subscriptions to The Mississippi Banker and two (2) copies of the Mississippi Bank Directory Member registration fees for MBA events, including the Annual Convention Discounted booth rental fee, priority booth location, and other benefits at the Annual MBA Convention Trade Show. 15% discount off regular rates for advertising in The Mississippi Banker Eligible for “MBA Program Partners” program Opportunity to provide editorial submissions for The Mississippi Banker Exclusive opportunities to advertise in the Mississippi Bank Directory Digital copy of MBA member bank CEO mailing labels CONTACT MBA marketing manager Brooke McCoy 601-948-6366, bmccoy@msbankers.com
NCR Corporation 3097 Satellite Blvd, Duluth, GA 30096 Jame Desilva, James.Desilva@ncr.com 504-913-5773, www.ncr.com Mailing: 1201 Glen Arbor Drive, Mandeville, LA 70471
BUSINESS FORMS Deluxe Strategic Sourcing 105 Hantsport Square Lafayette, LA 70508 Nick Paratore, nick.paratore@deluxe.com 337-849-4323, Fax 337-981-8765 fi.deluxe.com/operate/strategic-sourcing
CAPTIVE INSURANCE Keystate Captive Management Las Vegas, NV 260-227-0265 Travis Holdman,tholdman@key-state.com www.key-state.com/captive-management
CHECKS & CHECKING PRODUCTS Harland Clarke 712 Northdale Place Brandon, MS 39047 601-812-4317, Fax: 210-558-9265 Bill Posey William.posey@harlandclarke.com www.harlandclarke.com
COMMUNICATIONS/ MARKETING BFAC.COM 805 S. Wheatley, Suite 210, Ridgeland, MS 39157 601-487-8824 or 601-559-8882 Brad McMullan, brad@bfac.com www.bfac.com Haberfeld Associates 206 S. 13th Street, Suite 1500 Lincoln, NE 68508 402-323-3605, FAX: 402-475-2660 Grant Ossenkop, grant@haberfeld.com www.haberfeld.com
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MBA Affiliates THE MISSISSIPPI BANKER
COMMUNICATIONS/ NETWORKING Intermix Technologies 130 Dyess Road Ridgeland, MS 39157 601-605-1057, Fax 601-605-5804 Carol Wilson carol@intermixtechnologies.com www.intermixtechnologies.com
COMPUTERS/SOFTWARE Ascensus 415 8th Avenue NE Brainerd, MN, 56401 218-825-5364, Fax 218-825-5012 Heather M. Hoskins heather.hoskins@ascensus.com www.ascensus.com D+H 605 Crescent Executive Court, Ste. 600 Lake Mary, FL 32746 407-804-6653 Stacey Leone, Stacey.leone@dh.com www.dh.com INTEGRA Software Systems 117 Seaboard Lane, Suite F-290 Franklin, TN 37067 615-595-0900, ex 810, Fax 615-628-0100 Adelaide Farrar, sales@integra-online.com www.integra-online.com
CONSULTANTS AaSys Group 11301 US Highway 301, Suite 106 Thonotosassa, FL 33592 205-219-0288, Fax 813-246-4576 Beth Fox, bfox@aasysgroup.com www.aasysgroup.com Bank Financial Services Group, Inc. 1600 Division Street, Suite 400 Nashville, TN 37203 615-742-9692, Fax 615-742-8799 Lee F. Van Dyke, lvandyke@bfsgroup.com www.bfsgroup.com
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Compensation Advisors 633 Wildwood Rd. Gadsden, AL 35901 Charlie Hicks, 256-441-3400 Charlie.hicks@compensationadvisors.com Tom Molteni, 615-417-3292 Tom.molteni@compensationadvisors.com www.compensationadvisors.com
Sawyers & Jacobs, LLC 1085 Halle Park Circle Collierville, TN 38017 901-853-1000, Fax 866-488-4933 Jimmy Sawyers, jsawyers@sawyersjacobs.com www.sawyersjacobs.com
Confluent Strategies 1661 Aaron Brenner Drive, Suite 201 Memphis, TN 38120 Karen Harris, kharris@confluentstrategies.com www.confluentstrategies.com
Ventis Consulting, LLC 282 Katonah Avenue, #135 Katonah, NY 10536 646-522-6212 Douglas Dreyer, ddreyer@ventisonline.com www.ventisonline.com
Corporate Benefit Strategies, Inc. PO Box 1730 Meridian, MS 39302-1730 601-693-0239, Fax 601-483-6041 J. Brock O’Leary, Sr., brock@cbs-irish.net Equias Alliance, an NFP Company 8000 Centerview Pkwy., Ste 525, Memphis, TN 38018 901-202-6886 Linda Radley, CPA lradley@equiasalliance.com David Shoemaker, CPA/PFS, CFP, dshoemaker@equiasalliance.com James P. Taylor, jtaylor@equiasalliance.com www.equiasalliance.com FI Strategies 992 Northpark Drive, Suite C Ridgeland, MS 39157 601-956-1962 or 601-427-9122 Fax 601-510-9163 Ben Sones, bsones@fistrategies.net Holly Logue, hlogue@fistrategies.net www.fistrategies.net Premier Insights, Inc. PO Box 1649 Ridgeland, MS 39158-1649 601-977-9948 Brandon Roberts, Ph.D. brandon@premierinsights.com www.premierinsights.com
THE MISSISSIPPI BANKER
CONSUMER PROTECTION Better Business Bureau Serving Mississippi 660 Katherine Drive, Suite 400 Flowood, MS 39232 601-398-1700, Fax 769-251-1054 John O’Hara, johara@ms.bbb.org www.bbb.org/mississippi
CORRESPONDENT BANKING SERVICES BBVA Compass 15 South 20th Street, Suite 1002 Birmingham, AL 35233 205-297-3330, Fax 205-297-7558 Jim Park, jim.park@bbva.com Fred Wipperling, fred.wipperling@bbva.com www.bbvacompass.com/correspondent CenterState Bank 3800 Colonnade Parkway, Suite 210 Birmingham, AL 35243 205-968-2900, Fax 205-968-2939 Mr. Shawn Gillis, sgillis@centerstatebank.com www.csbcorrespondent.com ServisFirst Bank Correspondent Bank Division 850 Shades Creek Pkwy., Ste. 200 Birmingham, AL 35209 855-881-0364 William H. Street, Jr. correspondentbanking@servisfirstbank.com www.servisfirstbank.com
MBA Affiliates
THE MISSISSIPPI BANKER
TIB The Independent Bankers Bank, N.A. P.O. Box 560528 Dallas, TX 75356 800-288-4842, Fax 866-466-4842 Greg Todd, tibinfo@mybankersbank.com www.tib.bank.com
CRA SOLUTIONS
CRA Partners (Senior Crimestoppers) 5100 Poplar Avenue, Suite 711 Memphis, TN 38137 877-232-0859 Sue Shaffer, Sue.Shaffer@SHCPFoundation.org www.SHCPFoundation.org.
SHAZAM, Inc. 392 Empressor Cove Collierville, TN 38017 800-717-4460, Fax 515-248-5828 Mobile: 901-606-8307 Rob Buchanan, rbuchanan@shazam.net www.shazam.net
FINANCIAL INTERMEDIARY
EMPLOYEE BENEFITS
Hauenstein Financial Group, LLC PO Box 513 Laurel, MS 39441 601-428-4393, Fax 601-649-2434 G. Carey Hauenstein, CLU gchclu@lycos.com
CSI (Computer Services, Inc.) 3901 Technology Drive Paducah, KY 42001 800-545-4274 Kevin Blaser, associations@csiweb.com www.csiweb.com
ECONOMIC DEVELOPMENT
Mississippi Business Finance Corp. 735 Riverside Dr. Suite 300 Jackson, MS 39202 601-355-6232, Fax 601-355-3888 E.F. “Buddy” Mitcham, bmitcham@mbfc.cc www.msbusinessfinance.com
ELECTRONIC BANKING SERVICES
KOL Systems, Inc. (Authorized Agents): Diebold, Incorp. 601-540-7701; 601-573-1562 Harry Barrett, harry.barrett@diebold.com David Holmes, david.holmes@diebold.com www.dieboldnixdorf.com
USDA Rural Development 100 West Capitol St., Suite 831 Jackson, MS 39269 601-965-4316, Fax 601-965-4088 Trina George, trina.george@ms.usda.gov www.rurdev.usda.gov
PO Box 2449 Madison, MS 39130 601-856-9933, Fax 601-856-8088 Jim Miller, jmiller@sabcflex.com www.sabcflex.com
INSURANCE
Stockett and Thomas 1020 Highland Colony Pkwy, Suite 304 Ridgeland, MS 39157 601-948-3733 Fax 601-355-1356 Chad Stockett, CFP®, CPA; cstockett@stockettandthomas.com
ABA Insurance Services 5910 Landerbrook Drive, Suite 100 Mayfield Heights, OH 44124 800-274-5222, Fax 800-456-6590 Richard Flenner, rflenner@abais.com www.abais.com
WealthPartners 220 Trace Colony Park Drive, Ste. A Ridgeland, MS 39157 601-414-4455, Fax: 601-414-4459 Clayton Smith, csmith@wpartnersllp.com www.wealthpartnersllp.com
FACILITY PLANNING
Eclipse Brand Builders 5050 Research Court, Suite 600 Suwanee, GA, 30024 678-894-4360 Sharon Morris smorris@eclipsebrandbuilders.com www.eclipsebrandbuilders.com
Federal Home Loan Bank of Dallas PO Box 619026 Dallas/Ft. Worth, TX 75261-9026 800-442-9841, Fax 214-441-8551 Steve Otto, Steve.Otto@fhlb.com www.fhlb.com
GOVERNMENT LENDING
DATA PROCESSING SERVICES Southern Administrators Accuity Asset Verification Services, Inc. 4709 Golf Road Skokie, IL 60030 847-933-5065, Fax 847-763-2701 Paul Soczynski Paul.Soczynski@accuity.com www.accuitysolutions.com
LEVEL5, LLC 2018 Powers Perry Road SE, Suite 750 Atlanta, GA 30339 404-761-0008 Mike Colvin, mcolvin@level5.com www.level5.com
Chubb Group of Insurance Companies 1400 Urban Center Drive, Suite 450 Vestavia Hills, AL 35242 205-968-5401 Tyrus Czeschin, tczeschin@chubb.com www.chubb.com Earl R. Whaley and Company 521 Airway Dr. Alcoa, TN 37701 865-970-7500 or 888-970-7500 Fax 865-970-7937 Kevin Berry, Farmington, MO kberry@earlwhaley.com www.earlwhaley.com
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MBA AfďŹ liates THE MISSISSIPPI BANKER
Gulf Guaranty Life Insurance Company PO Box 12409 Jackson, MS 39236-2409 601-981-4920, Fax 601-981-3402 James H. Robertson, jim@gulfguaranty.com www.gulfguaranty.com Integrity Business Services 107 West Meadow Hill Drive Florence, AL 35633 256-436-1346, Fax 800-505-4904 Don Smith, dsmith@ibservicesusa.com Ross & Yerger 200 S. Lamar St., Ste #700 Jackson, MS 39201 601-948-2900, Fax 601-914-9321 Travis Clayton, tclayton@rossandyerger.com www.rossandyerger.com Travelers 1000 Windward Concourse; Suite 100 Alpharetta, GA 30005 678-317-7887 Danny Rakovec, drakovec@travelers.com www.travelers.com
INSURANCE CONSULTING TLJ Partners, Inc. PO Box 12979 Jackson, MS 39236 601-364-7308, Fax 601/366-1815 Leland H. Rogers, lhr@tljpartners.net www.tljpartners.net
INVESTMENTS/ INVESTMENT BANKING The Baker Group 2300 Windy Ridge Parkway, Suite R76 Atlanta, GA 30339 855-500-4546 Paul Clanton, paul@gobaker.com www.gobaker.com Cantor Fitzgerald 6410 Poplar Avenue, Suite 700 Memphis, TN 38119 901-347-1700, Fax 901-202-7098 Hunter Quinn, hquinn@cantor.com www.cantor.com 20
Crews & Associates, Inc. 521 President Clinton Avenue, Ste. 800 Little Rock, AR 72201 800-766-2000 Fax 501-907-4048 Rick Calhoun, rcalhoun@crewsfs.com www.crewsfs.com Duncan-Williams Inc. 6750 Poplar Avenue, Suite 300 Memphis, TN 38138 901-435-4127, Fax 901-435-4137 Jack Schlifer Jack.Schlifer@duncanwilliams.com www.duncanwilliams.com National Community Investment Fund (NCIF) 135 South LaSalle St., Suite 2040 Chicago, IL 60603 312-881-5841 Saurabh Narain, email: snarain@ncif.org www.ncif.org
Raymond James 2900 Highway 280, Suite 100 Birmingham, AL 35223 901-531-3288 Stephen Cross, Stephen.cross@raymondjames.com www.raymondjames.com Smith Shellnut Wilson, LLC 150 Fountains Blvd., Suite A Madison, MS 39110 601-605-1776, Fax 601-605-1710 Frank Smith, Jr., franks@ssw1776.com www.ssw1776.com Vining Sparks, IBG, L.P. 775 Ridge Lake Blvd. Memphis, TN 38120 800-786-1272, Fax 901/766-3321 Britton Wilkins ,bwilkins@viningsparks.com www.viningsparks.com
LEGAL SERVICES
Olsen Palmer 2020 K Street, NW, Suite 450 Washington, DC 20006 202-627-2043 Christopher Olsen, colsen@olsenpalmer.com www.olsenpalmer.com
Adams and Reese LLP 1018 Highland Colony Pkwy, Suite 800 Ridgeland, MS 39157 601-353-3234, Fax 601-355-9708 Charles N. Parrott, charles.parrott@arlaw.com Paul A. Carrubba, paul.carrubba@arlaw.com www.adamsandreese.com
Performance Trust Capital Partners 201 St. Charles Ave., Suite 1412 New Orleans, LA 70170-1412 504-526-1613 | Cell: 504-450-1462 Jonathan W. Briggs jbriggs@performancetrust.com www.performancetrust.com
Bradley Arant Boult Cummings LLP One Jackson Place 188 E. Capitol Street, Suite 400 Jackson, MS 39201 601-592-9944, Fax 601-948-8000 Rod Clement, rclement@babc.com www.babc.com
Promontory Interfinancial Network 133 N. 17th St., Suite 1800 Arlington, VA 22209 662-549-1966 Kenny Heredia, kheredia@promnetwork.com www.promnetwork.com
Brunini, Grantham, Grower & Hewes, PLLC PO Drawer 119 Jackson, MS 39205 601-948-3101, Fax: 601=960-6902 Tom Walker, TWalker@Brunini.com www.brunini.com
THE MISSISSIPPI BANKER
MBA AfďŹ liates THE MISSISSIPPI BANKER
Butler Snow LLP PO Box 6010 Ridgeland, MS 39158-6010 601-985-4512, Fax 601-985-4500 Ed Wilmesherr, ed.wilmesherr@butlersnow.com www.butlersnow.com Copeland Cook Taylor & Bush, P.A. PO Box 6020 39158 600 Concourse, Suite 100 1076 Highland Colony Parkway Ridgeland, MS 39157 601-427-1312, Fax 601-856-7627 William H. Leech, bleech@cctb.com www.copelandcook.com Fenimore, Kay, Harrison & Ford, LLP 512-583-5901, Fax: 512-583-5940 Chet A. Fenimore cfenimore@fkhpartners.com www.fkhfpartners.com Austin Office: 812 San Antonio Street, Suite 600 Austin, TX 78701 Kansas City Office: 1000 Walnut Street, Suite 1400 Kansas City, MO 64106 Jones Walker LLP PO Box 427 (39205-0427) 190 East Capitol Street, Suite 800 Jackson, MS(39201) 601-949-4900 Fax 601-949-4804 Craig N. Landrum, clandrum@joneswalker.com Linda Bounds Keng, lkeng@joneswalker.com, J. Andrew Gipson, agipson@joneswalker.com Neal Wise, nwise@joneswalker.com www.joneswalker.com McGlinchey Stafford PLLC 200 S. Lamar St., City Centre S, Ste. 1100 Jackson, MS 39201 769-524-2300 G. Dewey Hembree, III ghembree@mcglinchey.com www.mcglinchey.com
Mitchell McNutt & Sams PO Box 7120 Tupelo, MS 38802-7120 662-842-3871, Fax 662-842-8450 Starkville office 200 South Montgomery, Suite 202-203 Starkville, MS 39759 Scott Hendrix, shendrix@mitchellmcnutt.com Guy W. Mitchell, III, gmitchell@mitchellmcnutt.com www.mitchellmcnutt.com Randall, Segrest, Weeks, Reeves & Sones, PLLC 992 Northpark Drive, Suite A Ridgeland, MS 39157 601-956-2615; 601-956-1962 Ben Sones, bsones@randallsegrest.com; www.randallsegrest.com Riley, Caldwell Cork & Alvis PO Box 1836 Tupelo, MS 38802 662-842-8945 Pat Caldwell, pcaldwell@rccalaw.com Watkins & Eager PLLC PO Box 650 Jackson, MS 39205 601-965-1900, Fax 601-9651901 George R. Fair, gfair@watkinseager.com F.J. Hammond, fhammond@watkinseager.com M. Binford Williams, bwilliams@watkinseager.com William F. Ray, wray@watkinseager.com Jim F. Spencer, jspencer@watkinseager.com C. Joyce Hall, jhall@watkinseager.com www.watkinseager.com
LENDING/ BUSINESS DEVELOPMENT Agri-Access Albany, Georgia Clayton Wiggins c 205-725-0834 clayton.wiggins@agri-access.com
Southeastern Commercial Finance, LLC 5865 Ridgeway Center Pkwy, Suite 300 Memphis, TN 38120-4014 901-820-4474, Cell: 901-229-0543 Melody Vollman melody@southeasterncommercial.com www.southeasterncommercial.com Vizaline, LLC 516 Hickory Glen Madison, MS 39110 601-405-1802 Contact: Brent Melton larrybmelton@gmail.com
MORTGAGE FINANCE & MORTGAGE LENDING Crescent Mortgage Company 5901 Peachtree Dunwoody Rd. NE Bldg. C, Ste. 250 Atlanta, GA 30328 800-851-0263, mobile: 225-810-6085 Shy Tittlebaum, shy@crescentmortgage.net; teamshy@crescentmortgage.net www.crescentmortgage.com Hamilton Mortgage Corporation 2850 19th St. S, Suite 300 Birmingham, AL 35209 205-870-7333 David Willard david@hamiltonmortgage.net Jim Eady, jim@hamiltonmortgage.net www.hamiltonmortgage.net Mississippi Home Corporation 735 Riverside Drive Jackson, MS 39202 601-718-4642 or 601-718-4614 Jenny Layton, jenny.layton@mshc.com www.mshomecorp.com Triumph Mortgage 242 Inverness Center Dr., Capstone Ste. 140 Birmingham, AL 35242 205-940-4201, Cell: 662-549-2212 Pete Hodo, III phodo@triumphmortgage.com www.triumphmortgage.com
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MBA Affiliates THE MISSISSIPPI BANKER
OFFICE SUPPLIES
REO Real Estate Services
Office Depot – MBA Purchasing Program Madison, MS 601-540-6725 Tony Meyers, Account Manager tony.meyers@officedepot.com www.msbankers.com/office-depotmember-saving-program
Mark S. Bounds Realty Partners, Inc. P.O. Box 1753 Madison, MS 39130 601-856-7377 or 601-955-1911 Mark Bounds, markbounds@msbrealty.com www.msbrealty.com
OUTSOURCE SOLUTIONS Teklinks, Inc. 501 Summit Parkway Birmingham, AL 35209 205-314-6600 or 615-943-9804 James Farley, jfarley@teklinks.com; www.teklinks.com
PRINTING/DIRECT MAIL Hederman Brothers, LLC PO Box 6100 Ridgeland, MS 39158 601-853-7321, Fax 601-853-7335 Bert Jackson, bjackson@hederman.com www.hederman.com High Cotton PO Box 101568 Birmingham, AL 35210 877-838-2345 Jeffrey Reeves, jreeves@highcottonusa.com www.highcottonusa.com Lawrence Printing Co., Inc. PO Box 886 Greenwood, MS 38930 662-453-6301 or 800-844-0338 Fax 662/455-4746 George Ellis, lawrence@laprico.com www.laprico.com
REAL ESTATE/ CONSTRUCTION INSPECTION Construction Inspection Service, LLC 3047 Tidewater Circle Madison, MS 39110 601-613-5033 Ken Collins kencollins@constructioninspect.com www.constructioninspect.com 22
RISK MANAGEMENT Thomson Reuters 610 Opperman Drive Eagan, MN 55123 601-955-1000 Stan Fisher, stan.fisher@tr.com www.thomsonreuters.com
SECURITY SERVICES Federal Protection Inc. Memphis, TN 901-762-0602 Jake Martin jmartin@federalprotection.com www.federalprotection.com Red Hawk Fire & Security 284 Quail Hollow Madison, MS. 39046 601-761-4258 Bryan Shows, bryan.shows@redhawkus.com www.redhawkus.com
SIGNAGE AND IMAGE MANAGEMENT Headrick Signs & Graphics, Inc. One Freedom Square Laurel, MS 39440-3367 601-649-1977 Matt Largen, matt@headricks.com www.headricks.com Knight Sign Industries 5959 Knight Avenue Tuscaloosa, AL 35405 205-345-5242 Will Johnson, wjohnson@knightsign.com www.knightsign.com
THE MISSISSIPPI BANKER
Mitchell Signs, Inc. 3200 Hwy. 45 N Meridian, MS 39301 601-482-7471, Fax 601-482-7474 Kyle Edmonds kyle.edmonds@mitchellcompanies.com www.mitchellsigns.com Munn Enterprises, Inc. 7712 Highway 49 North Hattiesburg, MS 39402 601-264-7446, 601/264-7449 Harold Munn, haroldm@munnenterprises.com wwww.munnenterprises.com
STATE CHAMBER OF COMMERCE Mississippi Economic Council PO Box 23276 248 E. Capitol Street, Ste. 940 Jackson, MS 39201 601-969-0022, 800-748-7626 Fax 601-353-0247 or 888-717-2809 Scott Waller, swaller@mec.ms www.mec.ms
TELECOMMUNICATIONS Upchurch Telecom & Data, Inc. PO Box 301 Greenwood, MS 38935 662-455-1510, Fax 662-455-9373 Ron Upchurch, rupchurch@uptel.com www.uptel.com
TELECOMMUNICATIONS/ CLOUD SERVICES C Spire 1018 Highland Colony Pkwy., Ste 300 Ridgeland, MS 39157 601-974-7597, Fax: 601-974-1738 Joel Deer, jdeer@cspire.com www.cspire.com/business
TITLE INSURANCE Mississippi Valley Title 1022 Highland Colony Pkwy., Suite 200 Ridgeland, MS 39157 601-961-4844, Fax: 601-969-4884 Terry Weill, tweill@mvt.com Claire Ewing, cewing@mvt.com www.mvt.com
MBA AfďŹ liates THE MISSISSIPPI BANKER
'Program Partners' provide support to MBA education events For the past two years, MBA Program Partners have provided year-round support for our association's educational events. Program Partners are firms that, in addition to being MBA Affiliate members, have made a financial commitment that supports banker education activities throughout the year. "The Program Partners program allows MBA Affiliates to expand their participation in a meaningful, visible way," said Mac Deaver, MBA president. "While each of these firms supports us in different ways, as Program Partners they receive recognition at association events throughout the year." The financial support provided by Program Partners helps to enhance education activities that serve Missis-
sippi bankers working in a wide range of industry specialties. MBA marketing manager Brooke McCoy oversees the Program Partners program along with MBA Affiliates, sponsorships, advertising and endorsed vendors. "These eight firms are an important part of the MBA family," said McCoy. "Each of them support many of our individual members with valuable services, and their involvement as Program Partners makes a real contribution to the success of our association and the state's banking industry." For more information about MBA Program Par tners, cont a c t Mc C o y a t b m c c o y @ m s bankers.com or 601-948-6366.
2017 PROGRAM PARTNERS BKD CPAs & Advisors Accounting Crews & Associates Investments/Investment Banking Deluxe Strategic Sourcing Business Forms FI Strategies Consultants Silas Simmons CPAs & Advisors Accounting ServisFirst Bank Correspondent Banking Services Stockett & Thomas Employee Benefits Watkins & Eager Legal Services
NOVEMBER/DECEMBER 2017
23
Bankers on the Move THE MISSISSIPPI BANKER
Community Bank
Guaranty Bank
Community Bank
Shane’ E. Dubois has recently re-joined Community Bank as a Business Development Officer in the Flowood office. In her new role, Dubois will help identify and assist customers with their Dubois banking needs, as well as represent Community Bank in the community. A native of Jackson, Dubois serves on the Flowood Chamber of Commerce Board of Directors and the Rankin County School District Foundation Board. She was selected by the Mississippi Business Journal in 2014 as one of the Top 50 Leading Business Women in Mississippi
Connie Kirk has joined the bank and will serve as a Vice President and Credit Analyst Manager. She will operate from the bank’s Grenada downtown office. Ms. Kirk brings more than 24 years of experi- Kirk ence to her new position at Guaranty Bank. A 1989 graduate of Mississippi State University, she earned her Bachelor’s degree in Professional Accountancy. In 1994, she earned her Mississippi Certificate as a Certified Public Accountant.
Weston Wallace has been promoted to Assistant Vice President at the bank’s Laurel office. He has been with Community Bank over 2 years and is a 2017 graduate of Leadership Jones Wallace County. Wallace graduated from Mississippi State University with a Bachelor of Business Administration degree. Please submit Bankers on the Move information to editor@msbankers.com
2018 Session April 8-14
Applications due February 1, 2018 ELIGIBILITY AND ADMISSION
University of Mississippi Oxford, MS
To be admitted as a first-year student, an applicant must be:
Register today
• An employee or director of a commercial or savings bank, savings and loan association, or bank regulatory agency • A high school graduate
msbankers.com
• Twenty-one years of age when classes begin • Approved by a senior officer of his or her institution
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THE MISSISSIPPI BANKER
MBA Professional Development
Webinars
Training opportunities at your convenience
Visit msbankers.com to view and register for these webinars and more FRIDAY, DECEMBER 15 Unraveling the similarities and differences between the Green Book & ACH Payments 10:00 a.m. - noon
MONDAY, DECEMBER 18 Onboarding Your New Hire 1:30 - 3:30 p.m.
TUESDAY, DECEMBER 19 IRS Info. Reporting: Rules and Forms 10:00 a.m. - noon Escrows 1:30 - 3:30 p.m. Writing Business Account Procedures for New CDD 1:30 - 3:30 p.m.
WEDNESDAY, DECEMBER 20
THURSDAY, JANUARY 4, 2018 Basics of Banking 10:00 a.m. - noon
WEDNESDAY, JANUARY 17, 2018
Sexual Harassment Establishing a Respectful Workplace 1:30 - 3:30 p.m.
THURSDAY, JANUARY 18, 2018
CRE Appraisals 1:30 - 3:30 p.m. Handling Loan Applications 10:00 a.m. - noon
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TUESDAY, JANUARY 9, 2018 Digital Marketing: Deep Dive 10:00 a.m. - noon ,PSOHPHQWLQJ %HQH¿FLDO 2ZQHUV on Legal Entities 1:30 - 3:30 p.m. WEDNESDAY, JANUARY 10, 2018 Incident Response - Plan to Fail Well 10:00 a.m. - noon
Online Deposit Account Opening 1:30 - 3:30 p.m. _____________
TUESDAY, JANUARY 23, 2018 Health Savings Accounts 10:00 a.m. - noon Improving Employee Performance 1:30 - 3:30 p.m.
WEDNESDAY, JANUARY 24, 2018 Your Teller Cash Drawer Mastering the Balancing Act 10:00 a.m. - noon
Commercial Real Estate (CRE) Lending in Today’s Economy 10:00 a.m. - noon
Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income 1:30 - 3:30 p.m.
W-9, W-8BEN and W-8BEN-E New Updated Forms and Info 1:30 - 3:30 p.m.
THURSDAY, JANUARY 11, 2018
$ %XVLQHVV 'HYHORSPHQW 2I¿FHUV *XLGH WR Selling Non-Traditional Financial Products 1:30 - 3:30 p.m.
Scrubbing & Submitting 2017 HMDA Data 10:00 a.m. - noon
THURSDAY, JANUARY 25, 2018
Coaching Tellers to Excellence 10:00 a.m. - noon
Opening Accounts for Nonresident Aliens 1:30 - 3:30 p.m.
BSA / AML and OFAC Continuing Developments 10:00 a.m. - noon
Compliance Perspectives 1:00 - 2:00 p.m.
TUESDAY, JANUARY 16, 2018
THURSDAY, DECEMBER 21
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Advertising Compliance 10:00 a.m. - noon
WEDNESDAY, JANUARY 3, 2018 Current Expected Credit Losses (CECL) 10:00 a.m. - noon
Loan Underwriting Mistakes 1:30 - 3:30 p.m.
Best-Ever Compliance Checklists for Consumer Loans 1:30 - 3:30 p.m.
Smart Social Media 1:30 - 3:30 p.m. _____________
MONDAY, JANUARY 29, 2018
WEDNESDAY, JANUARY 17, 2018
The New HMDA Rule Implementation Challenges 1:30 - 3:30 p.m.
IRA Update and Review 10:00 a.m. - noon NOVEMBER/DECEMBER 2017
25
MBA Job Bank THE MISSISSIPPI BANKER
ACH Operations Manager: Cadence Bank is seeking to hire an ACH Operations Manager in Starkville. 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. Bank Examiner: The Department of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resumes to sam.hubbard@dbcf.ms.gov. Collections & Recovery Specialist: Responsible for mitigating loan losses by negotiating payment arrangements to resolve delinquent accounts. This individual works to recover the property of defaulted loans by negotiating payment arrangements for customers with past due accounts; taking necessary action to repossess, foreclose, or take possession of collateral security involved in delinquent loans; and coordinating activities and resources to recover property on past due accounts, in accordance with established policy and applicable law. High school diploma or equivalent is required. Associate’s degree is preferred. 5 years of relevant experience in collections is required. Experience with financial analysis and general banking knowledge is preferred. Must have strong knowledge of Fair Credit Reporting as well as other applicable consumer and compliance regulations. Must have knowledge of sound collection practices. Must be proficient with Microsoft Office products, eOSCAR, and CM/ECF Pacer. Must be proficient with Navigator or similar technology. Must have strong data entry skills with attention to detail. Must pos26
sess exceptional time management skills and have the ability to organize, prioritize, and perform multiple tasks simultaneously. This individual may occasionally to work outdoors. Some travel may be necessary to other businesses and branch locations may be necessary using personal vehicle. Must possess valid driver’s license and insurance. External candidates may submit an Employment Application and resume. External applications may be mailed to- Human Resources P.O. Box 729, Pascagoula, MS 39567/ delivered - 3118 Pascagoula St., Pascagoula, MS/ emailed - Careers@MandMBank.com Commercial Lending Officer: A community bank in the Hattiesburg area is seeking a Commercial Lender. Candidates should have a minimum of five 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; Participate and support local community events and activities; Must have strong computer and communication skills; Reports to local bank president. Candidates may submit confidential resumes to adavis@msbankers.com. Head Teller: The First, A National Banking Association, is seeking a Head Teller. Candidates must possess a high school diploma or general education degree (GED) or one to two years related experience and/or training. Interested candidates may submit resumes to Pam Petterman at ppetterman@thefirstbank.com. Internal Auditor III: Southern Bancorp is seeking an Internal Auditor III for Little Rock, AR. Responsibilities include review of financial, operational, compliance, and information technology in accordance with applicable audit and regulatory standards as well as providing the necessary corrective recommendations. Serves as a liaison for external auditors and regulatory auditors on reviews and assessments
THE MISSISSIPPI BANKER
while maintaining effective working relationships with internal customers. Leads and supports other auditors with their assigned testing. Ensures all internal audit activities and procedures are performed as required by the audit plan and budget approved by the Audit Committee. Certified Public Accountant (CPA) or Certified Internal Auditor (CIA) is preferred. Experience with Data Analytics and Automated work paper tools. Applicants may review the job description and apply by visiting https://banksouthern.com/ Internal Staff Auditor: BancorpSouth is seeking an Internal Staff Auditor. Interested candidates must have a Bachelor’s Degree in a Business related field (i.e. Accounting; Banking and Finance; Business) AND at least 2 years’ experience in bank auditing or auditing associated with an external accounting firm; Prefer at least 4 years’ experience. Candidates may submit resume and application by clicking on Career Opportunities at this link: www.Bancorpsouth.com/MyBXSCareer. Lending Assistant Commercial Real Estate: BankPlus, Ridgeland, Mississippi, is seeking an experienced Lending Assistant. This position requires two years prior lending assistant experience. To apply, please visit https://www.bankplus.net/ About/Careers/Career-Opportunities/ Loan Operations Manager: Merchants & Marine Bank has an immediate need for a Loan Operations Manager at our Main Branch in Pascagoula. This individual will oversee all aspects of loan administration and ensure that lending operations support our strategic objectives. A Bachelor’s degree in Banking, Finance, Business or related field is highly preferred. A minimum of 8 years’ experience in loan operations experience and 3 years’ supervisory experience is required. Candidates must have a thorough knowledge of lending concepts and terminology, loan documentation, and applicable rules & regulations. Candidates
MBA Job Bank THE MISSISSIPPI BANKER
must also demonstrate strong written and verbal communication skills, excellent teamwork and leadership skills, and proficiency with Microsoft Office Products. To apply, visit M&MBank.com/Careers. For more information, contact Careers@ MandMBank.com. EOE/M/F/D/V Manager/Senior Credit Analyst: Merchants & Marine Bank has an immediate need for a Manager/Senior Credit Analyst position at our Main Branch in Pascagoula. Minimum 5 years' experience in credit underwriting and analysis is required. Please submit resume to Sheryl.Wolfe@MandMBank.com or Lauren.Germany@MandMBank.com. Marketing Content Position: This position will be responsible for creating, improving and maintaining marketing content, which include banking, insurance, mortgage and wealth management products and services. Interested candidates must have four-year degree in Communication, Marketing, English or similar field. Submit resume to adavis@msbankers.com. Mortgage Loan Originator: The Citizens Bank of Philadelphia is seeking a Mortgage Loan Originator for a branch location in Hattiesburg. Prior experience in mortgage loan origination is required. Submit resumes to hr@tcbphila.com. "Mortgage Team": Community bank in Mississippi is looking for a "Mortgage Team" to add to our current Mortgage Department and grow our Mortgage presence in the Jackson/Metro market. We are looking for an energetic, intelligent, self-motivated professional team with impeccable business ethics and a desire for success. (2) Mortgage Loan Originator positions and (1) Mortgage Loan Underwriter: Responsible for underwriting Conventional, FHA, VA and USDA residential loans, ensuring compliance with internal and agency program guidelines and meeting or exceeding quality assurance standards. Review and analyze credit/
income/asset documentation submitted in order to make a sound determination of creditworthiness per guidelines using department approved checklists and worksheets. Ensure that property appraisals meet standard secondary market investor requirements, as well as HUD/VA requirements. For all (3) positions, please submit resumes to adavis@msbankers.com. Trust Associate: Community bank in central Mississippi seeks a Trust Associate. College degree preferred or banking and/or experience in Trust Operation and Administration. Must have a high degree of confidentiality. Candidate adavis@msbankers.com needs to have a thorough understanding of General Accepted Accounting Principles. Confidential resumes to adavis@msbankers.com.
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Mississippi Bankers Association
Brooke McCoy 601-948-6366 bmccoy@msbankers.com
NOVEMBER/DECEMBER 2017
27
American Bankers Association THE MISSISSIPPI BANKER
Making Things Happen By Rob Nichols, American Bankers Association President and CEO You’ve heard the saying that there are three kinds of people in the world: people who make things happen, people who watch things happen and people who wonder what happened. In my experience, the women and men who lead America’s banks fall decidedly Nichols LQWR WKH ÀUVW FDPS It could be because you lead the institutions that serve as the engine of America’s economy — and together, you comprise one of the most important industries in our nation. It could also be because most of the bankers I meet and talk to in my travels are deeply engaged in industry affairs. They are at their state association’s convention, serving on its board or on one of ABA’s many councils, working groups or committees. They are tending not only to what their employees, customers and communities need, but also to what the industry, economy and country need to thrive. This extra service makes a big difference. When bankers engage in their association’s affairs or in advocacy, a host of good things happen. Some examples: ,W ZDV D PHPEHU RI $%$¡V ´RIÀFLDO family,� for instance, who suggested ABA à \ GRZQ WR +RXVWRQ DQG 1DSOHV IROORZLQJ +XUULFDQHV +DUYH\ DQG ,UPD DQG FDSWXUH on video — for all to see — how banks and bank employees were responding to the local disasters. The result of that suggestion is a video — which you can YLHZ DW DED FRP +XUULFDQH5HVSRQVH — that showcases how bankers lead WKHLU FRPPXQLWLHV LQ GLIÀFXOW WLPHV We’ve been promoting this video widely and encouraging bankers to do the same because it tells such an important and positive story about our industry. I’m grateful to Bob Jones (United Bank, Atmore, Ala.), who serves on the ABA Foundation board and also chairs the Fund for Economic Growth, for suggesting this. Bankers serving on ABA’s Community Bankers Council, along with senior 28
ORDQ RIÀFHUV DQG RWKHUV DW PHPEHU banks, made a big difference when they provided us essential feedback during the Consumer Financial Protection Bureau’s rulemaking on small-dollar loans. Their comments, which we relayed in letters and meetings with bureau RIÀFLDOV UHVXOWHG LQ D FULWLFDOO\ LPSRUWDQW exemption for banks from the CFPB’s ÀQDO UXOH UHTXLULQJ VKRUW WHUP VPDOO dollar loans to meet an ability-to-repay test. Banker involvement was also the key to scoring improvements last year to the Call 5HSRUW IRU VPDOOHU EDQNV :H DUH VHHNLQJ to replicate that success as the agencies undertake a review of their safety and soundness exams. That’s why ABA invited regulators to listen in on two banker conference calls we hosted on the topic — so that regulators could hear bankers’ perspectives early on in their review process. And of course, bankers’ engagement on the CFPB’s arbitration rulemaking not only helped shape ABA’s policy position on the issue, it ultimately helped persuade Congress to overturn the rule, securing a critical win for bank customers who would have lost access to a resolution option that was faster, PRUH HFRQRPLFDO DQG PRUH EHQHÀFLDO to consumers than class action litigation. The truth is, we rely on bankers to inform and guide everything we do, from our comment letters on regulatory proposals and advocacy communications, to conference content and online training. That is the only way associations can succeed. 6R P\ DSSHDO WR \RX LV WKLV +HOS XV help you. We are fortunate to have many engaged bankers, but we need more. We especially want to make sure tomorrow’s bank leaders are engaging today. ABA Chairman Ken Burgess told the crowd at our annual convention that he learned the importance of actively participating in association and industry affairs early on from his dad, who was involved with both the Texas Bankers Association and Independent Bankers Association of Texas, as well as ABA. It’s a legacy he is passing on to his staff, and I hope our other
THE MISSISSIPPI BANKER
banker volunteers will do the same. Odds are that whatever position you hold in your bank, you possess expertise that your state association and ABA are eager to tap. Look for opportunities to join a working group or serve on a committee (see some opportunities DW DED FRP &RPPLWWHHV 5HVSRQG to surveys asking your views on an issue or business practice. Tell us what your bank needs help with to succeed. Guide us, use us. That’s why we are here. And it’s how, together, we make good things happen. Š 2017 American Bankers Association. All rights reserved. Reprinted with permission.
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