Banker THE MISSISSIPPI
NOVEMBER|DECEMBER 2018 VOLUME 103 • NUMBER 3
THE MISSISSIPPI
FOUNDED 1889
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, Anguilla Jerry Host, Retiring Chairman, Jackson Frank Sibley, Preceding Chairman, Marks Bob Glover, Ripley Brad Jones, Meadville Mike Webb, Tupelo
The official publication of the Mississippi Bankers Association McKinley W. Deaver • Editor Volume 103 • Number 3 • NOVEMBER|DECEMBER 2018
Features Mississippi Legislature convenes January 8 .................................. 6 MBA prepares for 2019 regular session
MBA Education Foundation....................................................... 8 Opening doors, unlocking opportunity
8th Annual 'A Banker in Every Classroom'..........................10-12 Bankers take financial education to Mississippi schools
GSB at LSU: Working to keep curriculum focused..............13-14 69th annual session of GSB at LSU set May 19-31, 2019
MBA Affiliates support Mississippi banks.............................16-22 Over 100 Affiliate members provide products, services
On the Cover: The Christmas tree in the front rose parlor at the Mississippi Governor’s Mansion, a 12 ft. Leyland Cypress tree grown and donated by the Bass Christmas Tree Farm in Columbia. Credit: The Mississippi Governor's Mansion, Jackson, Mississippi.
Departments From the President...............................................................................................................2 Around the State.............................................................................................................. 3-5 Bankers on the Move.................................................................................................... 24-25
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 Accounting Manager.......................Vicky Franklin
YOUNG BANKERS SECTION President................................Bob Glover, Ripley Vice President.................. Marc Petro, Ridgeland Treasurer........................ Zach Luke, Greenwood
Webinars............................................................................................................................27 ABA and ICBA columns.............................................................................................. 28-29 MBA Job Bank............................................................................................................. 30-31 MBA Conferences & Seminars...........................................................................................31 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone 601-948-6366. Periodicals Postage paid in Jackson, Mississippi. POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037. The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements. Printed By Hederman Brothers, Ridgeland, MS NOVEMBER|DECEMBER 2018
1
From the President THE MISSISSIPPI BANKER
Happy Holidays and 'thank you' By Mac Deaver, MBA President & CEO
Once again, the Christmas season is here. And once again, all of us in the Mississippi banking family have much to be thankful for. The MBA enjoyed Deaver another good year in 2018, thanks to the participation and support of hundreds of Mississippi bankers from across the state. Banker service to our association takes many different forms -- serving in the leadership of MBA or MYB, accepting appointment to committees, participating in an MBA banker education program, making a financial literacy presentation, attending a legislative event in Jackson or Washington, responding to a grassroots call to action, or providing feedback to the staff or lending expertise on important industry issues. Banker involvement serves as the fuel for the MBA's success. In my 32 years with the MBA, I have come to appreciate more and more the value of relationships within the Mississippi banking community. By maintaining these relationships, bankers gain an understanding of common industry issues and are prepared to work together to address them. Banker-to-banker relationships are the solid foundation on which the MBA has been built. In my view, fostering these relationships is the most important thing we do as an association. Our association also receives wonderful support from others, most notably our Affiliate members. These individuals, companies and firms participate in MBA activities as sponsors, exhibitors and advertisers, as well as sharing their expertise, products and services with Mississippi banks. Of course, we also enjoy great work2
ing relationships with elected officials and regulators. And we work closely with other membership organizations, including many Mississippi associations and national industry groups, such as the ABA, ICBA, and others. The MBA's long and proud history can be traced to the great relationships among our members and the relationships our association enjoys with others. And this enables us to fulfill our mission of promoting a strong Mississippi banking industry, which, in turn, promotes prosperity for our state and our communities. Perhaps the biggest highlight of the past year was the enactment of significant regulatory relief legislation (S. 2155) in May. This legislation represents a good start toward making bank regulation more reasonable. Federal agencies continue to work on regulations to implement the new law, and a more positive regulatory environment in Washington appears to hold opportunities for further progress. Several highlights of the MBA's year are reflected on the pages of this issue of The Mississippi Banker. Our "A Banker
THE MISSISSIPPI BANKER
in Every Classroom" program began its eighth year in educating Mississippi students on personal finance. (Page 10) Our MBA Education Foundation continues to provide opportunities through scholarships and financial literacy. (Page 8) MissBankPAC, our politician action committee, gave our industry a voice in November's midterm elections and continues to work toward the 2019 state elections. (Page 7) Also in this issue, we feature a listing of over 100 MBA Affiliates, listed by category with their contact information. (Page 16) And nine of these Affiliates are "MBA Program Partners," providing financial support to our banker education programs throughout the year. (Page 9) Our MBA-sponsored health insurance program continues to be a stable source of medical benefits for employees of Mississippi banks. (Page 15) In 2019, the program will maintain the same premium rates for the third straight year. Mississippi bankers continue to be active in the ABA and ICBA. (Page 14) And our MBA-sponsored banking Continued on page 3
Merry Christmas from the MBA staff
MBA Staff, L to R: Mac Deaver, Amy Davis, Lori Richardson, Sherell Taylor, Brooke McCoy, Gordon Fellows, Vicky Franklin.
Around the State THE MISSISSIPPI BANKER
Community Bank announces succession plan The Board of Directors of Community Bank of Mississippi recently announced promotions, effective January 1, 2019, to execute the bank’s s u c c e s s i o n p l a n . Nicholson Charles W. Nicholson, Jr., has been elected to serve as Chairman of the Board for Community Bank. Nicholson currently serves as President and Chief Executive Officer. He joined Community Bank in 1998, opening the doors of Community Bank in Meridian. Prior to assuming the role of President and CEO, Nicholson
'Thank you'
Continued from page 2 schools -- the Mississippi School of Banking and the Graduate School of Banking at LSU -- are providing unequalled programs of education for future banking leaders. (Pages 16 and 29) Inevitably, in mentioning certain activities, I have left out many others that are vital to our success. And we continue to add new programs and activities. I personally appreciate the great support given by so many to the MBA this past year. Special thanks go to our banks and bankers, starting with Chairman Mary Childs and members of the MBA Board and Executive Committee. I am also thankful to the MBA staff members, all of whom have provided tremendous support to the association this past year. I want to express special appreciation to my wife, Susan, who has gone "above and beyond" during the past year and a half, working tirelessly to perform communications duties, including producing this magazine, managing the MBA website, and much more. Here's wishing each of you and your families peace and joy this holiday season.
served as the bank’s Chief Operating Officer for eight years. Freddie J. Bagley will ascend to the position of Senior Chairman after serving as Chairman of the Board Bagley since 2014. Bagley previously held the position of President and Chief Executive Officer of the bank for many years. In his new role as Senior Chairman, he will have an active and vital role in the bank’s daily operations. The Board announced the promotion of Gregory A. Moore to the position of President and CEO of
Community Bank. Moore, who has served as Metro Jackson area CEO for over 11 years, will now oversee the growth and further development of the bank across its four- Moore state footprint. He will continue to lead daily operations of the Metro Jackson area. Community Bank is one of the South's fastest growing financial institutions. Today, the bank has more than $3.2 billion in assets with 48 officers and over 800 staff members in Mississippi, Tennessee, Alabama and Florida.
The Mississippi Banker to publish Quarterly beginning in new year The Mississippi Banker, the official publication of the MBA since 1914, is becoming a quarterly publication. Beginning in 2019, the magazine will publish regular issues in January, April, July and October. "The Mississippi Banker will continue to provide timely information on industry and association activities, as well as news about what banks and bankers are doing in Mississippi," said Mac Deaver, MBA president. He said that the MBA continues to work toward a comprehensive communication plan, that will include increased use of electronic communications and social media. Deaver said the new publication schedule should allow the magazine to operate more efficiently as part of the MBA's overall communications plan. "The Banker" will continue to publish news on industry developments, bank promotions, and the MBA, Mississippi Young Bankers, and other supported programs and activities. Coverage of the association leadership, membership and Affiliate activities, and major events will
Banker THE MISSIS SIPPI
JULY|AUGUST 2018 VOLUME 103 • NUMBER 1
MARY CHILDS
130th CHAIRMAN
Mississippi Bankers Association
continue, along with event schedules, job bank, and other regular features. Deaver said that there will be renewed emphasis on reporting news about what Mississippi banks are doing to support their communities and customers. The magazine will continue to be supported by advertisers, Deaver said. New schedules are being distributed to current and prospective advertisers, and advertising rates will not increase in 2019, he said. MBA member banks and Affiliate members receive preferred ad rates. Bankers are encouraged to submit information and photos for publication. Please send information, photos and questions about the publication schedule, advertising and other matters to editor@msbankers.com.
NOVEMBER|DECEMBER 2018
3
Around the State THE MISSISSIPPI BANKER
BankFirst Capital Corporation to acquire FNB Bancshares of Central Alabama
BankFirst Capital Corporation, parent of BankFirst Financial Services announced the signing of a definitive merger agreement with FNB Bancshares of Central Alabama, Griffin Inc., parent of FNB of Central Alabama, under which BankFirst will acquire FNB Bancshares. The transaction has been unanimously approved by the board of directors of each company, is expected to close in the first quarter of 2019, subject to customary closing conditions, including approval from the shareholders of FNB Bancshares and bank regulatory authorities. In making the announcement BankFirst’s President and Chief Executive Officer, Moak Griffin said: “Being a strong, local community bank for the communities we serve is extremely important to both BankFirst and FNB of Central Alabama. By combining our 183 years of banking experience in Mississippi and Alabama, this merger will allow us to build upon and further strengthen our shared beliefs,
community focus and commitment to service excellence. In addition, this merger supports our strategic intention of partnering with organizations that have strong core deposit funding, solid commercial banking and credit practices, and a long tradition of superior community and customer service.” When the merger is completed, the combined company will operate under the BankFirst brand, with 22 offices serving Mississippi and Alabama and assets in excess of $1.2 billion. R. Heyward Gould, Jr., President and Chief Executive Officer of FNB of Central Alabama, commented: “Our customers will benefit from this merger through an increased legal lending limit, more diversified product offerings, and a continued focus on technology solutions in banking. The close proximity of the corporate headquarters will enable us to continue to offer local decision making. Best of all, the customers’ relationships with the bankers they’ve worked with
in the past will continue unchanged as we become part of the BankFirst team.” BankFirst was advised by FIG Partners as financial advisor and Hunton Andrews Kurth LLP is serving as legal counsel. FNB Bancshares was advised by Porter White Capital, LLC as financial advisor and Jones Walker LLP is serving as legal counsel. BankFirst Financial Services, the subsidiary bank of BankFirst Capital Corporation, was founded in 1888 and is a $974.1 million financial institution that is locally owned, controlled, and operated. The bank’s headquarters is in Columbus, with additional offices in Flowood, Hickory, Jackson, Lake, Louin, Macon, Madison, Newton, Starkville and West Point, as well as Tuscaloosa, Alabama. FNB of Central Alabama, the subsidiary bank of FNB Bancshares of Central Alabama, Inc., was founded in 1965 to meet the needs of business and consumers in central Alabama. A $273.2 million financial institution, FNB of Central Alabama is headquartered in Tuscaloosa, Alabama, with additional offices in Aliceville, Carrollton, Gordo and Northport, Alabama.
Elise Veazey Stacey joins Sycamore Bank board of directors Sycamore Bank is pleased to announce the newest member of its Board of Directors, Senatobia native Elise Veazey Stacey. She received undergraduate degrees in History and Veazey Stacey Psychology from the University of Mississippi and her MBA with a concentration in negotiation from Belmont University and currently resides in Franklin, Tennessee, with her husband, Stan Stacey, and 4
their two-year-old daughter, Celia. Veazey Stacy is the youngest ever member of Sycamore Bank’s Board of Directors, but her family’s involvement with Sycamore Bank dates to 1900 when the bank was founded. Her great-grandfather served on the original Board of Directors for 28 years. “My hope is to bring a different perspective based on a variety of past experiences and formal education. I believe I can bring a unique perspective on how to make banking more relatable to a younger and changing demographic.”
THE MISSISSIPPI BANKER
Jay Tindall, CEO and Chairman of the board, says, “The Board of Directors of Sycamore Bank and the Tate Financial Corporation are very proud to have Elise join them both. Her background and education in business will be of great benefit both today and for the years to come. Elise’s long family history and passion for our business will make her a perfect fit to help drive success for our company. It is a personal pleasure for me to watch her follow in the footsteps of her father, J. Gary Veazey.”
Around the State THE MISSISSIPPI BANKER
Trustmark kicks off financial education initiative
Web-based program brings financial literacy education to freshmen students Trustmark Community Market President Archie Anderson recently visited Meridian High School to kick off the Trustmark Financial Scholars Program. This online program, powered by EVERFI, teaches students important financial concepts for effective money management that can be applied now and in the future. Student participants received a personal note from Mississippi State Treasurer Lynn Fitch and performed activities that compared different scenarios regarding spending, saving and planning for the future. Trustmark is a founding member of Mississippi State Treasurer Fitch’s financial education initiative: Treasurer’s Education About Money (TEAM), a public-private partnership that includes local communities, businesses, nonprofits and educators all aimed at improving Mississippi’s financial literacy. “Our mission is to better the financial well-being of the communities that we serve, and this financial education initiative is a key piece of Trustmark’s larger commitment to the Meridian community,” Anderson said. “At Trustmark, we believe it is important for young people to learn the fundamentals of money management early in life. This online program provides students with the knowledge, skills and competencies to apply toward their future financial decisions.” The Trustmark Financial Scholars Program features an interactive, newmedia learning platform specifically designed to introduce financial literacy skills and build financial capacity necessary to assist high school students as they transition into adulthood.
Trustmark Financial Scholars Program kicks off at Meridian High School.
“It’s imperative that today’s students are better prepared for their financial futures, and we’re grateful to our many private-sector partners that have stepped up to be part of the solution,” said EVERFI CEO Tom Davidson. Through the web-based course, students are immersed in real-life financial scenarios and documentation. Each of the course modules allows students to move at their own pace, providing bite-sized instructional animations that make the topics approachable and relatable. Indepth processes – like buying a car or filling out the FAFSA form – are broken down for the student in an easyto-understand way. Additional topics include understanding a paystub, savings and investing and banking basics. The platform uniquely tracks the progress and performance of every student. Educators are able to see real-time data on student performance, while the technology aggregates crucial data on hours of learning completed and knowledge gained.
2019 MBA Educational Events January 24-25
BSA/AML Conference
March 9-13
MYB Convention
March 27
Women in Banking Conference
April 7-13
Mississippi School of Banking
VISIT msbankers.com CONTACT lrichardson@msbankers.com
NOVEMBER|DECEMBER 2018
5
MBA Legislative Update THE MISSISSIPPI BANKER
MBA prepares for 2019 legislative session Lawmakers to convene January 8 in Jackson
With the Mississippi Legislature set to convene the 2019 Regular Session on Tuesday, January 8, the MBA is working to research issues and develop association positions on bankrelated issues expected to be addressed. The MBA Legislative Committee, chaired by Brad Jones of Bank of Franklin, met in Jackson on Thursday, October 25 to study and discuss issues. In addition to considering potential state legislative issues, the committee discussed the Advanced Notice of Proposed Rulemaking regarding Community Reinvestment Act reform. Comments made during the meeting were incorporated into the MBA comment letter on CRA reform, which was submitted on November 19.
Following the Legislative Committee meeting, the MBA Bank Attorneys Committee, chaired by Cliff Harrison of the Butler Snow law firm, met on November 14 to discuss feedback provided by the Legislative Committee. Between now and the end of the year, MBA staff will be discussing the thoughts and ideas discussed in these meetings with key legislative leaders. On Tuesday, January 22, 2019, MBA Chairman Mary Childs will convene the annual MBA Membership Meeting followed by a meeting of the MBA Board of Directors in Jackson to make decisions on positions and priorities of the association this legislative session. Most proposed changes to Mississippi
www.bcbsms.com
banking statutes will be considered by the “banking committees” of the State House and Senate. In the House, Rep. Hank Zuber of Ocean Springs returns as Chairman of the House Banking and Financial Services Committee, and Senator Rita Parks of Corinth will chair the Senate Business and Financial Institutions Committee. Gordon Fellows, MBA senior vice president government relations, will manage the association’s lobbying efforts. Bankers are encouraged to contact Fellows with questions, comments, or suggestions on any legislation and to learn how to participate in the MBA grassroots lobbying network. Contact Fellows at gfellows@msbankers.com or 601-948-6366.
Blue Cross & Blue Shield of Mississippi, A Mutual Insurance Company is an independent licensee of the Blue Cross and Blue Shield Association. ® Registered Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans. 6
THE MISSISSIPPI BANKER
MBA Legislative Update THE MISSISSIPPI BANKER
MissBankPAC meets 2018 fundraising goals, Makes difference in federal, state elections 2018 was a very active political year in Mississippi, and MissBankPAC, the MBA-sponsored political action committee, worked throughout the year to provide a voice for the state's banking industry in federal and state elections. MissBankPAC's Federal Fund had a productive and busy year in the 2018 Congressional elections. Thanks to strong support from Mississippi bankers, the Federal Fund met its annual fundraising goal for 2018. The Federal Fund, affiliated with ABA BankPac, contributed to successful candidates in all of Mississippi's U.S. Senate and House elections. MissBankPAC supported Sen. Roger Wicker and Sen. Cindy Hyde-Smith, along with Rep. Trent Kelly (1st District), Rep. Bennie Thompson (2nd District), and Rep. Steven Palazzo (4th District) in their reelection bids. The PAC also supported Representative-Elect Michael Guest in the 3rd Congressional District. The State Fund of MissBankPAC also had an excellent year, achieving 109% of its 2018 fundraising goal. This marked the fourth consecutive year that the Sate Fund substantially exceeded its goal. During the year, the State Fund made several contributions to pro-banking legislators, and also contributed to the ABA's Voter Education Fund, an important new political tool for the banking industry. With Mississippi state elections slat-
Chairman, Chuck Nicholson Community Bank, Brandon Andy Anderson Bank of Anguilla, Anguilla Owen Carty State Bank & Trust, Ridgeland
2018 MissBankPAC Contributions STATE $114,420*
110 100
$105,000 GOAL
90 80 70 60 50
FEDERAL
40 30
$25,510*
20
$25,000 GOAL
10 * as of 12/5/18
ed for 2019, MissBankPAC began making preparations to be heavily involved in state legislative races. The PAC expects to be active in supporting candidates in many State Senate and House elections in the coming year. MissBankPAC is governed by a committee of Mississippi bankers which is chaired by Chuck Nicholson of Community Bancshares. (A list of
the full committee appears below.) As 2018 comes to a close, the PAC continues to accept donations to both its Federal and State funds. All solicitations for funds are made through bank CEOs, and specific fundraising rules apply to each fund. To learn more about MissBankPAC, bankers are encouraged to contact Gordon Fellows, PAC Treasurer, at gfellows@msbankers.com.
Jimmy Clayton Planters Bank, Indianola
Brad Jones Bank of Franklin, Meadville
Moak Griffin BankFirst, Columbus
Greg Taylor Merchants & Farmers Bank, Holly Springs
John Haynes Farmers & Merchants Bank, Baldwyn
Clay Wagner Hancock Whitney Bank, Gulfport
Allen Hodo,First State Bank, Waynesboro
Max Yates BankPlus, Ridgeland.
NOVEMBER|DECEMBER 2018
7
MBA Education Foundation
Providing opportunities through scholarships, financial education The Mississippi Bankers Association Education Foundation is currently completing its 2018 fundraising campaign to support its mission of providing financial education in Mississippi through scholarships and financial literacy training. Established in 2012, the Education Foundation operates as a charitable subsidiary of the MBA. Each year the Foundation funds scholarships totaling $15,500 awarded to high school and college students and bankers in conjunction with the Mississippi Young Bankers section. Additionally, the Foundation supports personal finance education provided to students and consumers by the MBA, MYB and member banks. Its goal is to provide a stable, long-term source of funding for these important activities. Current scholarships include the Orrin Swayze Awards, given to five college seniors studying banking and finance, with one of the five being named Swayze Scholar; the Leadership Scholarship, given to a college junior studying banking; the Merit Scholarship, given to a high school senior who is the son or daughter of a Mississippi banker; and the Don Moak Achievement Award, given to the top graduate of the MBAsponsored Mississippi School of Banking. Each scholarship has specific rules governing eligibility and selection criteria. Greg McKee, president and CEO of The Citizens Bank of Philadelphia, and vice chairman of the MBA, serves as president of the Education Foundation. In a recent letter, McKee encouraged Mississippi bankers to consider making a gift to the Foundation before the end of 2018 and to include the Foundation in their giving budgets. “Supporting the MBA Education Foundation makes activities possible which benefit our communities and our state,” McKee states in his letter. Gifts to the Foundation are taxdeductible under state and federal law. McKee chairs a nine-member Board of Directors – composed of bankers serving in leadership of the MBA and MYB. In addition to McKee, other board members are Andy Anderson of Anguilla 8
"Supporting the MBA Education Foundation makes activities possible which benefit our communities and our state." Greg McKee, CEO, The Citizens Bank, Philadelphia Foundation President McKee
(vice president of the Foundation), Mary Childs of Ripley, Bob Glover of Ripley, Steve Gresham of Holly Springs, Eddie Hammond of Winona, Jerry Host of Jackson, Zach Luke of Greenwood, and Marc Petro of Ridgeland. MBA President and CEO Mac Deaver serves as secretary-treasurer of the Foundation. Since fundraising began in November 2012, the Foundation has received over $360,000 in cash gifts from Mississippi banks and bankers. A number of these are recurring annual gifts. The Foundation has awarded a total of over $100,000 in scholarships since its inception. Presently the Foundation has a fund balance in excess of $260,000. Under policies set by the board, cash gifts to the Foundation’s general fund can be accepted without restriction. Any non-cash gifts or gifts designated for a particular purpose require approval by the Foundation board. The board has established five levels of recognition for those making gifts to
THE MISSISSIPPI BANKER
the foundation. Bankers are encouraged to make gifts to memorialize or honor persons who have made notable contributions to Mississippi banking. For additional information visit msbankers.com or contact Mac Deaver at mdeaver@msbankers.com, or 601948-6366.
• Over $360,000 recevied from corporate and individual donors. • More than $100,000 in scholarships awarded.
MBA Education Foundation Board of Directors
Greg McKee Foundation President The Citizens Bank, Philadelphia Andy Anderson Foundation Vice President Bank of Anguilla, Anguilla Mary Childs The Peoples Bank, Ripley
Eddie Hammond Bank of Winona, Winona Jerry Host Trustmark National Bank, Jackson Zach Luke Bank of Commerce, Greenwood Marc Petro Community Bank, Ridgeland
Bob Glover The Peoples Bank, Ripley Steve Gresham Bank of Holly Springs, Holly Springs
Mac Deaver, Secretary-Treasurer Mississippi Bankers Association
'Program Partners' provide support To MBA education programs For the past three 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 programs for Mississippi bankers working in a wide range of industry specialties.
2018 MBA PROGRAM PARTNERS Silas Simmons CPAs & Advisors Accounting
BKD CPAs & Advisors Accounting
ServisFirst Bank Crews & Associates Investments/Investment Banking Correspondent Banking Services Deluxe Strategic Sourcing Checks/Forms/Promotional Items
Sones & White Legal Services
FI Strategies Consultants
Stockett & Thomas Employee Benefits Watkins & Eager Legal Services
MBA marketing manager Brooke McCoy oversees the Program Partners program along with MBA Affiliates, sponsorships, advertising and endorsed vendors. "These nine firms are an important part of the MBA family," said McCoy. "Collectively,
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 Partners, contact McCoy at bmccoy@ms bankers.com or 601-948-6366.
NOVEMBER|DECEMBER 2018
9
'A Banker in Every Classroom'
Teachers, bankers spearhead 8th successful year Mississippi bankers celebrated the eighth annual "A Banker in Every Classroom' Week by visiting classrooms, making financial education presentations, and building relationships with teachers and future customers during the week of October 29-November 2. MBA staff assisted with approximately 274 matches between bankers and teachers across the state, with almost 40 banks participating in this successful
event. (See bank listing on page 11.) MBA senior vice president Amy Davis explained that in addition to presenting an exciting opportunity to magnify the impact of existing programs, BIEC has proven year after year that building relationships with local teachers offers benefits for our schools and banks. "This year, even more than other years, we had requests from teachers for specific bankers," shares Davis.
"MBA is pleased that teachers and bankers have embraced this program." In addition to the annual focus, bankers are encouraged to continue financial education presentations year-round. Presentation materials are available, but bankers and teachers can decide what works best for them and the students. Contact Amy Davis, adavis@msbankers.com, or Lori Richardson, lrichardson@ msbankers.com, for more information.
Bank of Anguilla: Kit McCoy with Sharkey Issaquena Academy 12th graders.
Renasant Bank: Rosa Guebvara with Mannsdale Elementary in Madison.
Bank of Pontotoc: Grant Reynolds with North Pontotoc 7th & 8th graders.
Citizens Bank Byhalia:Robyn Turner& As hley Hester with Byha lia Elementar y 4th graders .
Bank Of Commerce: Rob Rowland with Quitman Middle School 7th graders.
Bank of Forest: Drew Kenna with Ms. Cox's kindergardeners.
Cleveland State Bank: Bennett Crow with Presbyterian Day School students.
First State Bank Waynesboro: Emily Cooley with Wayne County High School seniors.
Great Southern Bank: Michael Gibson with Southeast Middle School 8th graders.
10
THE MISSISSIPPI BANKER
Mississippi banks participating in 2018 'A Banker in Every Classroom' Week Bank of Anguilla Bank of Forest BancorpSouth Bank of Brookhaven Bank of Commerce Bank of Kilmichael Bank of Pontotoc Bank of Yazoo BankFirst Financial Services BankPlus Charter Bank Citizens Bank, Biloxi Citizens Bank, Byhalia Citizens Bank, Columbia
Cleveland State Bank Commercial Bank Community Bank Farmers & Merchants Bank First Bank First Security Bank First Southern Bank Fist State Bank, Waynesboro FNB Oxford Bank Great Southern Bank Guaranty Bank & Trust Hancock Whitney Bank Magnolia State Bank Merchants & Marine Bank
Merchants & Planters Bank Pike National Bank Planters Bank & Trust PriortyOne Bank Regions Bank Renasant Bank RiverHills Bank State Bank & Trust The Citizens Bank, Philadelphia The First The Jefferson Bank The Peoples Bank, Biloxi The Peoples Bank, Ripley Trustmark National Bank
For more photos and information VISIT msbankers.com | CONTACT adavis@msbankers.com
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 NOVEMBER|DECEMBER 2018
11
'A Banker in Every Classroom' Week 2018 More photos and information on msbankers.com
Hancock Whitney Bank: Chris Estrade with North Gulfport Middle School students.
Merchants & Planters Bank: Kelly Brewer with Raymond Elementary 5th graders.
M & M B a n k: A n n a S p e n c e r w i t h Agricola Elementar y 3rd graders .
First College Presentation
Planters Bank: Anna Williford with Leland Public School students .
Trustmark Bank: Nekedra Marshall with Northwest Middle School students.
PriorityOne Bank: Karen Sanford and Leigh Ann Martin with Collins High seniors. 12
Citizens Bank, Biloxi: Travis Moore with Popps Ferry School 4th graders.
Donnie White, Merchant & Planters Bank, visited the M2M (Minority Male Leadership Initiative) group on the Hind s Communit y College Sunset Campus. White spoke to the group on the importance of credit scores. The students asked lots of good question and were offered tools to begin their credit score journey with a better awareness of what is involved.
M&M Bank: Lauren Carpenter with Pa scagoula students .
THE MISSISSIPPI BANKER
Citizens Bank, Byhalia: Robyn Turner and Ashley Hester at Byhalia High School.
Cleveland State Bank: Mathew Mullins with Cleveland Central High students.
GSB at LSU: Working to keep curriculum focused 69th annual session set May 19-31 in Baton Rouge
By Mike Highfield, PhD, CFA, CTP, Vice President for Curriculum, GSB at LSU Professor of Finance, Mississippi State University
Benjamin Franklin once said, “An investment in knowledge pays the best interest.” For 70 years, the faculty of the Graduate School of Banking at Louisiana State University has been investing in the next generation of banking leaders, providing them with the knowledge they need to be successful, both personally and professionally. Building on our tradition of excellence in instruction, the GSB at LSU leadership team has sought student and faculty comments, consulted with GSB alumni, compared our curriculum to graduate schools of banking in other regions of the country, and enhanced our relationship with our sponsoring state banking associations. Through these and other efforts, we are continuing a multi-year plan of modifications to our school’s curriculum, with the goal of increasing the value of a
• Improved functionality • Enhanced rich content
gsblsu.org
diploma from our school. Below are highlights of recent and upcoming changes. First, across the curriculum, we are emphasizing ethical decision-making as part of leadership in the financial services industry. As a result, we have replaced the freshman financial planning case with a new freshman case on ethical decision-making in the banking world. Danny Payne, a long-time Texas banker, developed the course for 2018, and he is updating the case for the 2019 session. Second, we are pleased to introduce two new upper-level courses focused on
different facets of ethical leadership in 2019: Leading Inside and Outside the Bank will be a required senior course for 2019, and Leading through Advocacy will be a Junior/Senior elective for 2019. In the required course, Rita Floyd, Director of Organization Development at Trustmark National Bank, will emphasize the importance of ethical leadership, the critical difference between leading and managing, how to effectively deal with conflict, and the role of bankers as stewards in their community. In the elective course, Pamela Ricco, EVP and Chief Operating Officer at the Florida Bankers Association, will help students develop better communication skills and identify ways to increase their Continued on page 14
Today’s bank leaders teaching tomorrow’s
GRADUATE SCHOOL of BANKING at louisiana state university
My decision to attend GSBLSU and commit to the three years of learning was one of the best choices I have made in my own personal and professional development.
”
Angie Lewis
bank innovators.
GSB
“
Group Executive, Enterprise Risk Synovus® Bank Columbus, GA
2019 SESSION M AY 1 9 —31 , 2 01 9 (2 2 5) 76 6 - 85 95 BATON ROUGE , LOUISIANA
NOVEMBER|DECEMBER 2018
13
Mississippians serve in leadership of ABA, ICBA The Mississippians listed below currently serve on standing committees and councils of the American Bankers Association and the Independent Community Bankers of America. The leadership they provide in these roles helps promote the interests of all Mississippi banks. Andy Anderson Bank of Anguilla ABA Community Bankers Council ABA Membership Council
Mac Deaver Mississippi Bankers Association ABA Advocacy & Grass Roots Committee ABA State Association Alliance
Robbie Barnes PriorityOne Bank ICBA Federal Delegate Board ICBA Legislative Issues Committee
Henry Logue Merchants & Planters Bank ABA Community Bankers Council
Johnny Barrett Chuck Nicholson FNB Oxford Bank Community Bancshares of Mississippi ICBA Consumer Services Subcommittee ABA Government Relations Council
GSB keeping curriculum focused Continued from page 13
organizational effectiveness through interacting with state and federal legislators, state and national banking associations, and the local community. Third, continuing our focus on ethical leadership, the Tuesday-evening keynote speaker during last year’s GSB session was Dr. James Olson, former Chief of Counterintelligence at the Central Intelligence Agency. His speech was not only patriotic, but it addressed deep questions regarding our world-view of leadership and ethics. For 2019, we will welcome Tommy Spaulding, a New York Times bestselling author, leadership expert, and nationally acclaimed speaker, to GSB at LSU for an inspirational discussion of how “heart-led leadership” is the key to personal and corporate success in the financial services industry. Finally, while many of the curriculum changes above relate to leadership, be assured that we remain committed to our role as a banking school. The GSB faculty are teaching leadership skills that are applicable to unique aspects of the financial services industry. Additionally, we are making changes in the operational and foundational por14
tions of our curriculum. For example, recognizing the increasingly competitive world for corporate bank services, last year we moved Treasury Management to a required course. Taught by Mark J. Krawczyk, Principal and Owner of CZYK & Associates, this course forces bankers to evaluate their bank products from the perspective of their customer. Also, last year we introduced a new course emphasizing the risks faced by banks in the digital age: Risk Management and Cybersecurity. Chad Tagtow, a graduate of GSB at LSU and Senior VP/CIO for Citizens Bank and Trust in Winter Haven, Florida, taught this course as a junior/senior elective for 2018. We have decided that this course will be required for our juniors, with a required bank study project, in 2019. At GSB at LSU, our goal is to ensure that our graduates are prepared to advance and serve the needs of our industry, both today and in the future. Our next session is scheduled for May 1931, 2019, and Mississippi bankers are invited to visit www.gsblsu.org to learn how GSB at LSU can help advance their careers and the success of their banks.
THE MISSISSIPPI BANKER
Clay Wagner Hancock Whitney Bank ABA BankPac Committee ABA Government Relations Council Scott Woods Trustmark National Bank ABA Bank Insurance Council
2019 MBA BSA/AML Conference
January 24-25
Register today!
SEE PAGE 31 Of this magazine for more MBA upcoming events VISIT msbankers.com To view and register for events
MBA-sponsored health plan offers stable source Of medical benefits for Mississippi banks For over 60 years, the Mississippi Bankers Association has offered a program of group medical insurance for its member banks. Since 1991, the association has spon- Phllips sored a self-insured program operated by the Mississippi Bankers Voluntary Employees' Beneficiary Association (VEBA) Plan & Trust. The MBA-sponsored program has enjoyed a consistent record of providing attractive benefits at stable premium rates. Currently, 47 MBA member banks - a majority of banks in the state - offer medical insurance to their employees though the program. The program operates as an independent trust governed by a Board of Trustees composed of senior officers of participating banks. 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, monitors financial performace, and approves terms and premiums. 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 insurance services, oversees internal administration of the program and works closely with member banks. Blue Cross Blue Shield of Mississippi handles claims administration and provides actuarial services. Stockett & Thomas Agency serves as program consultants and markets the program to MBA-member banks. MBA president Mac Deaver serves as secretary to the Board of Trustees. For more information about the MBA medical program, contact Chad Stockett or Curt Thomas at Stockett & Thomas, 601-948-3733. Administrative questions may be directed to Sherell Taylor at the MBA office at 601-948-6366.
Group Insurance Committee/Board of Trustees, Mississippi Bankers VEBA Plan & Trust Chairman: Phil Williams, Bank of Yazoo, Yazoo City Shannon Aker Bank of Brookhaven, Brookhaven
Henry Logue Merchants & Planters Bank, Raymond
Allen Breland Bank of Forest, Forest
Sam McClatchy First State Bank, Holly Springs
Kirk Graves State Bank & Trust Co., Ridgeland
Jeff McCoy Great Southern Bank, Meridian
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 NOVEMBER|DECEMBER 2018
15
MBA Affiliates THE MISSISSIPPI BANKER
The 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 LLP 720 Cool Springs Blvd., Suite 600 Franklin, TN 37067 615-515-5683 | Fax 615-399-3663 Don Cleary, don.cleary@crowe.com www.crow.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 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 www.saltmarshcpa.com
THE MISSISSIPPI BANKER
Silas Simmons, LLP 209 North Commerce Street Natchez, MS 39120 601-442-7411 Fax 601-442-8551 Benny Jeansonne bjeansonne@silassimmons.com Sim Mosby, smosby@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 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 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
MBA Affiliates THE MISSISSIPPI BANKER
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 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 NCR Corporation 3097 Satellite Blvd, Duluth, GA 30096 James Desilva | James.Desilva@ncr.com 504-913-5773 | www.ncr.com Mailing: 1201 Glen Arbor Drive Mandeville, LA 70471 Velocity Solutions, LLC P. O. Box 460939 Fort Lauderdale, FL 33346 954-847-5800, ext. 251 nasmith@myvelocity.com
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
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
COMMUNICATIONS/ NETWORKING
CONSULTANTS
5Iron 501 Corporate Centre, Suite 120 Franklin, TN 37067 601-567-8728 David Barton, DBarton@5iron.com www.5iron.com
Intermix Technologies 130 Dyess Road Ridgeland, MS 39157 601-605-1057 | Fax 601-605-5804 Carol Wilson carol@intermixtechnologies.com www.intermixtechnologies.com
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
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 INTEGRA Software Systems 117 Seaboard Lane, Suite F-290 Franklin, TN 37067 615-595-0900, x 810, 615-628-0100 fax Adelaide Farrar, sales@integra-online.com www.integra-online.com
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
NOVEMBER|DECEMBER 2018
17
MBA Affiliates THE MISSISSIPPI BANKER
CONSULTANTS (cont'd.)
Confluent Strategies 1661 Aaron Brenner Drive, Suite 201 Memphis, TN 38120 Karen Harris, kharris@confluentstrategies.com www.confluentstrategies.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 CrossCheck Compliance LLC 810 W. Washington Blvd. Chicago, IL 60607 312-346-4600 Mollie Sudhoff msudhoff@crosscheckcompliance.com www.crosscheckcompliance.com Equias Alliance, an NFP Company 8000 Centerview Pkwy., Ste 525 Memphis, TN 38018 901-202-6886 Linda Radley, CPA lradley@equiasalliance.com jtaylor@equiasalliance.com www.equiasalliance.com FI Strategies 992 Northpark Drive, Ste C Ridgeland, MS 39157 601-956-1962, 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 Q2 13785 Research Blvd., Suite 150 Austin, TX 78750 Kyle Joyner | 512-577-5953, 512-685-2025 kyle.joyner@q2ebanking.com John Dewitty | 512-922-0470 john.dewitty@q2ebanking.com www.q2ebanking.com 18
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 SBS Cybersecurity 700 S. Washington Ave., Suite 2100 Madison, SD 57042 Will Pollard | 601-663-5250 will.pollard@sbscyber.com www.sbscyber.com Ventis Consulting, LLC 282 Katonah Avenue, #135 Katonah, NY 10536 646-522-6212 Douglas Dreyer, ddreyer@ventisonline.com www.ventisonline.com
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
www.servisfirstbank.com Texas Capital Bank 2350 Lakeside Blvd, Suite 800 Richardson, TX 75082 Russ Guess | Biloxi, MS | 972-215-9203 russ.guess@texascapitalbank.com www.texascapitalbank.com 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 Shea Gabrielleschi Shea.Gabrielleschi@SHCPFoundation.org www.SHCPFoundation.org.
CYBER SECURITY
All Covered 7000 Commerce Pkwy, Suite A Mount Laurel, NJ 08054 Dave McOlgan | 901-359-6581 dmcolgan@allcovered.com http://www.allcovered.com
ELECTRONIC BANKING SERVICES
KOL Systems/Diebold Nixdorf 601-540-7701 | 601-573-1562 harry.barrett@dieboldnixdorf.com david.holmes@dieboldnixdorf.com alex@kolsystems.com www.dieboldnixdorf.com
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
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
ServisFirst Bank Correspondent Bank Division 850 Shades Creek Pkwy., Ste. 200 Birmingham, AL 35209 William H. Street, Jr. | 855-881-0364 correspondentbanking@servisfirstbank.com
EMPLOYEE BENEFITS
THE MISSISSIPPI BANKER
Hauenstein Financial Group, LLC PO Box 513 Laurel, MS 39441 601-428-4393 | Fax 601-649-2434 G. Carey Hauenstein, CLU
MBA Affiliates THE MISSISSIPPI BANKER
gchclull@lycos.com Southern Administrators PO Box 2449 Madison, MS 39130 601-856-9933 Fax 601-856-8088 Jim Miller, jmiller@sabcflex.com www.sabcflex.com Stockett Stockett and and Thomas Thomas 795 Pkwy. Pkwy 1020Woodlands Highland Colony Ridgeland, MS 39157 Suite 304 601-948-3733 Ridgeland, MS 39157 Fax 601-355-1356 601-948-373 Chad Stockett, CFP®, CPA Fax 601-355-1356 cstockett@stockettandthomas.com Chad Stockett, CFP®, CPA cstockett@stockettandthomas.com Wealth Partners 220 Trace Colony Park Drive, Ste. A Wealth Partners Ridgeland, MS 39157 220 Trace Colony Park Drive, Ste. A 601-414-4455 | Fax: 601-414-4459 Ridgeland, MS 39157 Clayton Smith, csmith@wpartnersllp.com 601-414-4455 | Fax: 601-414-4459 www.wealthpartnersllp.com Clayton Smith, csmith@wpartnersllp.com www.wealthpartnersllp.com FACILITY PLANNING Eclipse Brand Builders FACILITY PLANNING 5050 Research Court, Suite 600 Eclipse Brand Builders Suwanee, GA 30024 5050 Research Court, Suite 600 Sharon Morris | 678-894-4360 Suwanee, GA 30024 smorris@eclipsebrandbuilders.com Sharon Morris | 678-894-4360 www.eclipsebrandbuilders.com smorris@eclipsebrandbuilders.com www.eclipsebrandbuilders.com LEVEL5, LLC 2018 Powers Perry Road SE, Suite 750 LEVEL5, LLC Atlanta, GA 30339 2018 Powers Road SE, Suite 750 Mike Colvin Perry | 404-761-0008 Atlanta, GA 30339 mcolvin@level5.com | www.level5.com Mike Colvin | 404-761-0008 mcolvin@level5.com | www.level5.com FINANCIAL INTERMEDIARY Federal Home Loan Bank of Dallas FINANCIAL PO Box 619026 INTERMEDIARY Federal Home Loan Dallas/Ft. Worth, TXBank 75261of Dallas PO Box 619026| Fax 214-441-8551 800-442-9841 Dallas/Ft. TX 75261 Steve Otto,Worth, Steve.Otto@fhlb.com 800-442-9841 | Fax 214-441-8551 www.fhlb.com Steve Otto, Steve.Otto@fhlb.com FORMS, CHECKS & www.fhlb.com
PROMOTIONAL ITEMS Deluxe Strategic Sourcing FORMS, CHECKS & 105 Hantsport Square PROMOTIONAL ITEMS
Lafayette, LA 70508 Deluxe Strategic Sourcing Nick Paratore 105 Hantsport Square nick.paratore@deluxe.com Lafayette, LA 70508 337-849-4323 Nick Paratore Fax 337-981-8765 nick.paratore@deluxe.com fi.deluxe.com/operate/strategic-sourcing
337-849-4323 | Fax 337-981-8765 GOVERNMENT LENDING fi.deluxe.com/operate/strategic-sourcing USDA Rural Development 100 West Capitol St., Suite 831 GOVERNMENT Jackson, MS 39269 LENDING USDA Rural Development 601-965-4316 | Fax 601-965-4088 100 West Capitol St., 831 John Rounsaville, StateSuite Director, Jackson, MS 39269 John.Rounsaville@ms.usda.gov 601-965-4316 | Fax 601-965-4088 www.rurdev.usda.gov John Rounsaville, State Director, John.Rounsaville@ms.usda.gov INSURANCE www.rurdev.usda.gov ABA Insurance Services 5910 Landerbrook Drive, Suite 100 INSURANCE Mayfield Heights, OH 44124 ABA Insurance| Services 800-274-5222 Fax 800-456-6590 5910 Landerbrook Drive, Suite 100 Richard Flenner, rflenner@abais.com Mayfield Heights, OH 44124 www.abais.com 800-274-5222 | Fax 800-456-6590 Richard Flenner, Chubb Group ofrflenner@abais.com Insurance Companies www.abais.com 1400 Urban Center Drive, Suite 450 Vestavia Hills, AL 35242 Chubb Group of Insurance Companies 205-968-5401 1400 Urban Center Drive, Suite 450 Tyrus Czeschin, tczeschin@chubb.com Vestavia Hills, AL 35242 www.chubb.com 205-968-5401 Tyrus Earl R.Czeschin, Whaley tczeschin@chubb.com and Company www.chubb.com 521 Airway Dr. Alcoa, TN 37701 Earl R. Whaley| Fax and865-970-7937 Company 865-970-7500 521 Airway Dr. Kevin Berry, Farmington, MO Alcoa, TN 37701 kberry@earlwhaley.com 865-970-7500 | Fax 865-970-7937 www.earlwhaley.com Kevin Berry, Farmington, MO kberry@earlwhaley.com Gulf Guaranty Life Insurance Company www.earlwhaley.com PO Box 12409 Jackson, MS 39236-2409 Gulf Guaranty |Life Company 601-981-4920 FaxInsurance 601-981-3402 PO Box 12409 James H. Robertson, jim@gulfguaranty.com Jackson, MS 39236-2409 www.gulfguaranty.com 601-981-4920 | Fax 601-981-3402 James H. Robertson, Integrity Business jim@gulfguaranty.com Services www.gulfguaranty.com 107 West Meadow Hill Drive Florence, AL 35633 Integrity Business 256-436-1346 | FaxServices 800-505-4904 107 West Meadow Hill Drive Don Smith, dsmith@ibservicesusa.com Florence, AL 35633 256-436-1346 Ross & Yerger | Fax 800-505-4904 Don 200 S.Smith, Lamardsmith@ibservicesusa.com St., Ste #700 Jackson, MS 39201 Ross & Yerger | Fax 601-914-9321 601-948-2900 200 S. Lamar St., Ste #700 Travis Clayton, tclayton@rossandyerger.com Jackson, MS 39201 www.rossandyerger.com 601-948-2900 | Fax 601-914-9321 Travis Clayton, tclayton@rossandyerger.com Travelers www.rossandyerger.com 1000 Windward Concourse; Suite 100 Alpharetta, GA 30005
Travelers 678-317-7887 DannyWindward Rakovec, drakovec@travelers.com 1000 Concourse; Suite 100 www.travelers.com Alpharetta, GA 30005 678-317-7887 Danny Rakovec, drakovec@travelers.com INSURANCE CONSULTING www.travelers.com TLJ Partners, Inc. PO Box 12979 INSURANCE CONSULTING Jackson, MS 39236 TLJ Partners, Inc. 601-364-7308 | Fax 601/366-1815 PO BoxH. 12979 Leland Rogers, lhr@tljpartners.net Jackson, MS 39236 www.tljpartners.net 601-364-7308 | Fax 601/366-1815 Leland H. Rogers, lhr@tljpartners.net INVESTMENTS/ www.tljpartners.net INVESTMENT BANKING The Baker Group INVESTMENTS/ 2300 Windy Ridge Parkway, Suite R76 INVESTMENT Atlanta, GA 30339BANKING The Baker Group 855-500-4546 2300Clanton, Windy Ridge Parkway, Suite R76 Paul paul@gobaker.com Atlanta, GA 30339 www.gobaker.com 855-500-4546 Paul Clanton, paul@gobaker.com Banks Street Partners www.gobaker.com 3290 Northside Parkway NW, Ste 800 Atlanta, GA 30327 | 404-848-1571 Banks Street Partners Will Brackett 3290 Northside Parkway NW, Ste 800 wbrackett@banksstreetpartners.com Atlanta, GA 30327 | 404-848-1571 Lee Burrows Will Brackett lburrows@banksstreetpartners.com wbrackett@banksstreetpartners.com Lee Burrows Cantor Fitzgerald lburrows@banksstreetpartners.com 6410 Poplar Avenue, Suite 700 Memphis, TN 38119 Cantor Fitzgerald 901-347-1700 | Fax 901-202-7098 6410 Poplar Avenue, Suite 700 Hunter Quinn, hquinn@cantor.com Memphis, TN 38119 www.cantor.com 901-347-1700 | Fax 901-202-7098 Hunter&Quinn, hquinn@cantor.com Crews Associates, Inc. 521 President Clinton Ave, Ste. 800 www.cantor.com Little Rock, AR 72201 800-766-2000 Crews & Associates, Inc. 521 Clinton Ave, Ste. 800 Fax President 501-907-4048 Little Rock, ARrcalhoun@ 72201 Rick Calhoun, 800-766-2000 crewsfs.com Fax 501-907-4048 www.crewsfs.com Rick Calhoun, rcalhoun@crewsfs.com www.crewsfs.com Duncan-Williams Inc. 6750 Poplar Avenue, Suite 300 Duncan-Williams Inc. Memphis, TN 38138 6750 Poplar Avenue, Suite 300 901-435-4127 | Fax 901-435-4137 Memphis, TN 38138 Jack Schlifer 901-435-4127 | Fax 901-435-4137 Jack.Schlifer@duncanwilliams.com Jack Schlifer www.duncanwilliams.com Jack.Schlifer@duncanwilliams.com www.duncanwilliams.com
INVESTMENTS/
NOVEMBER|DECEMBER 2018
19
MBA Affiliates THE MISSISSIPPI BANKER
Vining Sparks, IBG, L.P. INVESTMENTS/ INVESTMENT BANKING (contd.) 775 Ridge Lake Blvd. FIG Partners, LLC 1475 Peachtreet St., NE, Suite 800 Atlanta, GA 30309 Matt Hobert | 404-601-7234 mhobert@FIGPartners.com www.FIGPartners.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 Olsen Palmer 2020 K Street, NW, Suite 450 Washington, DC 20006 202-627-2043 Christopher Olsen, colsen@olsenpalmer.com www.olsenpalmer.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 Promontory Interfinancial Network 1300 N. 17th St., Suite 1800 Arlington, VA 22209 Kenny Heredia | 662-549-1966 kheredia@promnetwork.com www.promnetwork.com Raymond James 2900 Highway 280, Suite 100 Birmingham, AL 35223 205-802-4242 (D) | 901-574-2002 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
20
Memphis, TN 38120 800-786-1272 | Fax 901/766-3321 Britton Wilkins bwilkins@viningsparks.com www.viningsparks.com
LEGAL SERVICES
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 Baker Donelson One Eastover Drive, Suite 400 Jackson, MS 39211 Jackie Prester | 901-577-8114 j.prester@bakerdonelson.com www.bakerdonelson.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 Brunini, Grantham, Grower & Hewes, PLLC PO Drawer 119 Jackson, MS 39205 601-948-3101 | Fax 601-960-6902 Trey Jones, tjones@brunini.com www.brunini.com Butler Snow LLP PO Box 6010 Ridgeland, MS 39158-6010 601-948-5711 | Fax 601-985-4500 Cliff Harrison cliff.harrison@butlersnow.com Jeff Stancill jeff.stancill@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
THE MISSISSIPPI BANKER
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 812 San Antonio Street, Suite 600 Austin, TX 78701 Jones Walker LLP PO Box 427 Jackson, MS 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 Tom Walker, twalker@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 Riley, Caldwell Cork & Alvis PO Box 1836 Tupelo, MS 38802 662-842-8945 Pat Caldwell, pcaldwell@rccalaw.com
MBA Affiliates THE MISSISSIPPI BANKER
Sones and White 992 Northpark Drive, Suite C Ridgeland, MS 39157 601-790-1500 Ben Sones |bsones@soneswhite.com Everett White |ewhite@soneswhite.com Watkins & Eager PLLC PO Box 650 Jackson, MS 39205 601-965-1900 | 601-965-1901 (f) 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 205-725-0834 (C) clayton.wiggins@agri-access.com
Bankers Healthcare Group 201 Solar Street Syracuse, NY 13204 Courtney Calderwood | 315-430-3919 courtney@bhg-inc.com www.bankersheatlhcaregroup.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 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; 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 1125 Schilling Blvd., Suite 100 Collierville, TN 38017z Chase Newell 901-316-3303 | 866-562-9257 fax chase.newell@.triumphmortgage.com
OFFICE SUPPLIES
Office Depot – MBA Purchasing Program 106 Overlook Pointe Circle Ridgeland, MS 39157 214-437-3238 Simon Sherman simon.sherman@officedepot.com www.msbankers.com/office-depotmember-saving-program
PRINTING/DIRECT MAIL
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
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
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
Headrick Signs & Graphics, Inc. One Freedom Square Laurel, MS 39440-3367 601-649-1977 Matt Largen, matt@headricks.com www.headricks.com 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
NOVEMBER|DECEMBER 2018
21
MBA Affiliates THE MISSISSIPPI BANKER
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
The MBA hosted a “Jingle Mingle” open house at the association offices on December 4 to thank Affiliates for their support during 2018.
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 Finastra Mark Ryan Sales Executive-Southeast Mortgagebot 716-863-1195 Mark.Ryan2Finastra.com Mark.Ryan@Finastra.com www.finastra.com
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
Follow us!
@msbankers
22
Mississippi Bankers Association
THE MISSISSIPPI BANKER
Mississippi Young Bankers THE MISSISSIPPI BANKER
5th annual MYB 'Day at the Capitol' Plans underway for March 2019 event
Plans are underway for the 5th annual MYB "Day at the Capitol" to take place in Marh, 2019. This event will include various activities and meetings at the Mississippi Capitol building during the 2019 Legislative Session. Rising young bank officers will have the opportunity
to interact with government officials and be involved in the legislative process. Bankers who would like to receive information as it becomes available are encouraged to contact MBA SVP Government Relations, Gordon Fellows, 601948-6366 or gfellows@msbankers.com.
Annual Mississipppi Young Banker Convention The Grand Hotel, Point Clear, Alabama
MARCH 9-13 2019
NOVEMBER|DECEMBER 2018
23
Bankers on the Move THE MISSISSIPPI BANKER
BankFirst
Community Bank
Community Bank
Walter W. Dyminski has been hired to lead the bank’s new Small Business Administration (SBA) lending group. Dyminski has over 22 years of experience in SBA lending and has held various senior commercial lending positions. He earned an MBA and a Bachelor of Business Administration with a concentration in finance degree from the University of Tampa.
Master of Business Administration, and the Mississippi School of Banking at the University of Mississippi.
Bob Huff has been named regional executive officer of business development. Huff has been with the bank for twenty years and has thirty-eight years of banking experience. Huff He earned a Bachelor of Business Administration in Finance degree from the University of Memphis and is a graduate of the Graduate School of Banking at Louisiana State University.
Renee Rice has joined the bank as community banking president for Madison County. Rice is a graduate of Mississippi State University and the Graduate School of Banking at Louisiana State University. April Grantham has been promoted to commercial lender in Madison County. Grantham earned an associate degree from Holmes Community College. She has been with the bank since 2006 and has 18 years of banking experience
Cadence Ca t e R o b i n s o n has been promoted to wealth advisor. Robinson joined Cadence Bank in 2014 and Cadence Investment Services in 2016. She earned a Bachelor deRobinson gree in Business Administration from Delta State University and a Master of Business Administration.
Community Bank Bill Bethany has been named vice president for the bank’s Old Canton Road office. Bethany has fourteen years of banking experience. He is a graduate of the University of Bethany Southern Mississippi with a Bachelor of Business Administration, Delta State University with a 24
Benjamin Cash has been named credit analyst officer. Cash recently ser ved as credit analyst and has been in banking for fourteen years. Cash
Rebecca Chalker has been named deposit operations officer. Chalker recently served as Management Trainee and has been in banking for a little over a year. She is a graduate of Chalker Florida State University with a Bachelor of Science in Family and Child Sciences. Kyle Covington has been named president of the bank’s Meridian Division. Covington recently served as senior vice president and has been in banking for thirty- Covington six years. In his new role, Covington will be responsible for the day-to-day operations of the bank’s multiple offices in Meridian. Haven Hamrick has been named branch operations officer. Hamrick recently served as Management Trainee and has been in banking for two years. In her new role, Hamrick she will be responsible for all of the Miramar Beach daily operations, hiring and customer relations.
THE MISSISSIPPI BANKER
Derek McCain has joined the bank in Indianola as assistant vice president. McCain previously served in the Ellisville office and has been in banking for over four years. McCain He earned a Bachelor of Business degree from Mississippi State University and has completed the Leadership Jones County Program. Cindy Russell has been named vice president. Russell recently served as assistant vice president and has been in banking for twentytwo years. In her new role, Russell will be reRussell sponsible for Association Banking, Treasury Management, and Business Development.
Great Southern Bank Shawntal Stamper has been promoted to vice-president and marketing officer for the bank. Stamper earned an Associate of Arts Degree in Business Administration from East Central Stamper Community College and has been with the bank since 1996.
Bankers on the Move THE MISSISSIPPI BANKER
Great Southern Bank
Guaranty Bank
Guaranty Bank
Anthony Thomas has been promoted to assistant vice-president. Thomas has been with the bank since 2014. He earned a Bachelor of Business Administration de- Thomas gree from Mississippi State University and is a graduate of the Leadership Lauderdale program.
Examiner. His most recent bank association was with The Citizens Bank in Starkville, where he served as vice president and a regional commercial lender.
Lee Powell has been promoted to assistant vice president/ loan officer at the bank’s Senatobia location. Powell earned a Bachelor of Business Administration from the Powell University of Mississippi and has eleven years of experience in the financial services industry.
Guaranty Bank Karen “Suzy” Hawkins has joined the bank as a relationship banker. Hawkins earned her Associates degree in Business Administration from Delta State University.
Hawkins
Chuck Jackson has joined the bank and will serve as president of its Senatobia Office. Jackson earned his Bachelor of Science degree in Education from Delta State Uni- Jackson versity and has also completed studies at the Barret School of Banking, conducted at the University of Memphis.Most recently, Jackson was affiliated with First Financial Bank in Senatobia, where he served as President. Bobby Little has joined the bank as a senior vice president and relationship banker in Belzoni. Little earned a Bachelor of Business Administration degree Little from Mississippi State University. He began his career with Sunburst Bank in Grenada and spent 11 years as an FDIC Senior Bank
Origin Bank Emily Benedict has joined the bank as a commercial loan assistant. Benedict has 10 years of banking experience, specializing in commercial and consumer lend- Benedict ing, real estate lending and shareholder relations. She earned a Bachelor of Business Administration degree from the University of Mississippi. Adam Cox has joined the bank as a senior vice president, commercial relationship banker. Cox has 10 years of banking experience, specializing in commercial Cox real estate lending and business development. Cox earned a Bachelor of Arts in business from Mississippi State University and is a graduate of the Graduate School of Banking at Louisiana State University and the Mississippi School of Banking at the University of Mississippi.
Please submit banker promotions, new hire information and photos to: editor@msbankers.com
Help us share the good news! Tell us about your bank’s community involvement! Send us photos to share in this magazine and on msbankers.com.
Sycamore Bank Fred Hart has been promoted to assistant vice president/ loan officer at the bank’s Hernando location. Hart earned a Bachelor of Science degree in Sports Administration Hart with a minor in Psychology from Delta State University. He has 15 years of mortgage experience.
editor@msbankers.com
MBA P.O. Box 37 Jackson, MS 39205-0037
NOVEMBER|DECEMBER 2018
25
MBA endorsed products, services deliver value Vizaline
Endorsed programs support MBA
MBA endorsements represent partnerships with outstanding providers of valuable products and services that help our member banks be successful. In addition to being Affiiliate members, through endorsement arrangements, they provide further support in the form of non-dues revenue to the MBA. This helps fund important activities and limit the need for increases in membership dues. The MBA staff works closely with our endorsed programs, primarily by introducing them to Mississippi bankers and sharing information on the services they offer. Contact: Brooke McCoy | 601-948-6366 | bmccoy@msbankers.com
Brent Melton, CEO 601-405-1802 brent@vizaline.com
Vizaline’s Viza-Plat product offers protection to banks by helping verify legal descriptions through the use of geo-spatial imagery. Viza-Plat allows banks to see encroachments, easements and partial releases on real property in connection with property loans. And when errors are discovered, Vizaline assists banks in determining a solution.
Thumbprint Signature
MBA | 601-948-6366 msbankers.com
The MBA iendorses the Thumbprint Signature Program, which helps banks to combat crime by obtaining fingerprints of non-customers. The program offers "inkless ink" pads, decals to display at entrances and drive-up windows, teller tent cards and statement stuffers.
KeyState Bank Captive Program
ABA Bond, D&O Insurance Program
Travis Holdman national sales director 260-227-0265 tholdman@key-state.com
800-274-522 aba.com
KeyState’s Bank Captive Program allows a bank to benefit by operating its own captive insurance company. The captive augments a bank’s commercial insurance by covering the existing commercial deductible layers, increasing coverage levels on existing policies, and identifying other currently unfunded risks. If properly structured, the captive may allow the bank to take advantage of a significant IRS small business incentive.
MBA Group Insurance
Office Depot Purchase Program Chad Stockett Curt Thomas 601-948-3733 Simon Sherman 214-437-3238 simon.sherman @officedepot.com
This national group purchasing program has saved participants an average of 20-30 percent over their prior office product costs, and also provides important non-dues revenue to support key MBA strategic initiatives. Learn more and register online at msbankers.com. 26
The MBA sponsored group insurance program provides a stable source of health benefits for member banks. Coverage is provided by the Mississippi Bankers VEBA Plan & Trust. Currently, 47 MBA member banks participate in the MBA health insurance program. Stockett & Thomas Agency markets the MBA health program and other endorsed plans.
THE MISSISSIPPI BANKER
The MBA is an endorsed partner of the bond and D&O insurance program offered by ABA Insurance Services, a subsidiary of the American Bankers Association. This bank-owned program is a stable source of coverage for banks and has declared distributions to participating banks for 28 consecutive years, totaling over $84 million.
CRA Partners/Senior Crimestoppers Program
SeniorCrimestoppers.org 800-529-9096
CRA Partners and Senior Crimestoppers are operated by the Senior Housing Crime Prevention Foundation, headquartered in Memphis, Tenn. SHCPF provides protection and enhanced quality of life for vulnerable senior housing residents and CRA Partners helps banks of all sizes fill their Community Reinvestment Act (CRA) requirements in the form of qualified loans, investments or grants through the Senior Crimestoppers Program.
8
MBA Professional Development
WEBINARS
Training opportunities at your convenience
Visit msbankers.com to view and register for these webinars and more All webinars listed in Central time (CT) MONDAY, DECEMBER 10
THURSDAY, JANUARY 3, 2019
TUESDAY, JANUARY 15, 2019
TUESDAY, DECEMBER 11 Notary Public 10:00 a.m. - noon.
Best-Ever Compliance Checklists for Consumer Loans 1:30 - 3:30 p.m.
WEDNESDAY, JANUARY 16, 2019
WEDNESDAY, DECEMBER 12
FRIDAY, JANUARY 4, 2019
Social Security Basics 1:30 - 3:30 p.m.
Residential Construction Lending 1:30 - 3:30 p.m.
Compliance Perspectives 10:00 a.m. - noon Overdrafts 1:30 - 3:30 p.m.
THURSDAY, DECEMBER 13
How To Avoid Safe Deposit Litigations 10:00 a.m. - noon
Establishing a Respectful Workplace 10:00 a.m. - noon Legal Essentials for Lenders 1:30 - 3:30 p.m. ____________
____________
How to Analyze a Start-up Business 1:30 - 3:30 p.m.
MONDAY, DECEMBER 17
TUESDAY, JANUARY 8, 2019
Regulation E Error Resolutions and Disputes 10:00 a.m. - noon
10 Deadly Habits of Dysfunctional Teams and What to Do About Them 1:30 - 3:30 p.m.
WEDNESDAY, DECEMBER 19 Compliance for Commercial Lenders Issues for the Unwary 1:30 - 3:30 p.m.
THURSDAY, DECEMBER 20 Basic Personal & Business Tax Return Analysis 1:30 - 3:30 p.m. ____________
____________
FRIDAY, JANUARY 18, 2019
Information Security Program Frameworks 10:00 a.m. - noon.
TUESDAY, DECEMBER 18
Smart Social Media 10:00 a.m. - noon
Employment Compliance Priorities for 2019 10:00 a.m. - noon
MONDAY, JANUARY 7, 2019
Preparation, Risk, and Critical Robbery 1:30 - 3:30 p.m.
Nailing Your Job of Head-Teller 10:00 a.m. - noon
Train Smarter & More Effectively 10:00 a.m. - noon
WEDNESDAY, JANUARY 9, 2019 IRA Update 10:00 a.m. - noon
____________
TUESDAY, JANUARY 22, 2019 CRE Appraisals: Appraisal Components, etc. 1:30 - 3:30 p.m.
WEDNESDAY, JANUARY 23, 2019 Health Savings Accounts 10:00 a.m. - noon
Basics of Real Estate Loan Documentation 1:30 - 3:30 p.m.
Basic Business Entities & Other Commercial Borrowers 10:00 a.m. - noon
THURSDAY, JANUARY 24, 2019
THURSDAY, JANUARY 10, 2019 Advanced Collection Tools 10:00 a.m. - noon
Is Your Organization Financially Fit? 10:00 a.m. - noon ____________
MONDAY, JANUARY 28, 2019
FRIDAY, JANUARY 11, 2019 Masterful Time Management 1:30 - 3:30 p.m.
Accounting Essentials for Banks 1:30 - 3:30 p.m.
TUESDAY, JANUARY 29, 2019
________________________
MONDAY, JANUARY 14, 2019
When to Coach? When to Supervise? 10:00 a.m. - noon
Incident Response 1:30 - 3:30 p.m.
NOVEMBER|DECEMBER 2018
27
American Bankers Association THE MISSISSIPPI BANKER
Keeping Pace With Change
By Rob Nichols, President and CEO, American Bankers Association
If you are like many of the hundreds of bankers I have talked to since joining ABA three years ago, odds are you have an issue with your core provider. Yes, these companies are critical partners, Nichols and they deliver many excellent services in a professional and dependable manner. But when it comes to offering you the agility you need to keep pace with technological innovations, they may leave you lacking. That’s not to say that the industry’s primary core providers aren’t developing new products — but they do not always produce the ones you want to offer your customers or enable you to engage with those vendors that do. None of this would pose an insurmountable obstacle it if weren’t for the fact that breaking up with a core is exceedingly difficult. The contracts are long, your provider options are limited, conversion is a bear and a single bank’s leverage is almost nonexistent. So what can a bank do? Individually, options are limited, but collectively we can make a difference. That’s why I recently wrote to the leaders of the three major core providers on bankers’ behalf. The message, delivered respectfully: Empower community banks with the modern technology demanded by today’s competitive
marketplace. That means either delivering technology solutions themselves or, if they cannot, allowing banks to engage with other vendors that can. I invited each to engage with ABA and our new Core Platforms Committee, which is composed of community bankers charged with identifying concrete ways we can address these challenges.
The need for action is urgent, and I’m confident our committee and core providers will respond accordingly. The need for action is urgent, and I’m confident our committee and the core providers will respond accordingly. As we work to resolve this hereand-now issue, community bankers must also be focused on the future. Given the rapid and constant pace of innovation in the fintech space, it’s vital that banks as well as the associations that represent them are nimble and responsive to new opportunities. With that in mind, ABA recently made an innovative, direct investment in Summit Technology Group, an emerging company that is helping banks and other businesses migrate to the cloud. We view this action, which followed a thorough vetting process by
MBA Annual Convention May 15-19, 2019
28
THE MISSISSIPPI BANKER
our staff experts and board members, as an investment in the future. It offers not just an opportunity for a return on our investment, but also better positioning for our members. We won’t stop there. ABA’s board has directed us to consider additional opportunities to invest in fintech companies that we expect to have an important impact on banking. We’ll specifically look for those that have a strong business model in a growth sector, that help banks in efficient and innovative ways and that benefit you. We’re doing this for the same reason you are exploring new technologies to serve your customers. And because we know how hard it is to focus on the future when the present has challenges of its own. Banks are used to technology transforming the way we do business—that’s not new. (After all, banks were fintech before fintech was cool.) It’s the pace of innovation that’s new - and it won’t stop. As the head of Google’s R&D arm tells Tom Friedman in the book Thank You for Being Late, the days of static stability are over, and we must learn to live in a new state of “dynamic stability”—the kind of balance you get when riding a bike, not trying to stand still on one. ABA and your state association are committed to helping you find and keep that balance, and to helping you keep pace with change, so that your banks can continue to grow and succeed.
Independent Community Bankers Association THE MISSISSIPPI BANKER
We’re already experiencing tangible benefits of S.2155 By Tim Zimmerman, CEO, Standard Bank, Monroeville, Pa. and Chairman, ICBA
They say the days are long and the years are short. This is often used in the context of raising children, but it’s just as relevant for community bankers in 2018. While our days were sometimes a grind, together Zimmerman we achieved numerous historic advocacy gains that have had tangible benefits for community bankers. We started 2018 digesting and implementing generational tax reform, which passed at the end of 2017 and features significant reductions in tax rates. Meanwhile, we kept our focus on pushing forward for regulatory relief. Thanks to the cumulative impact of grassroots calls and emails, op-eds, petitions and meetings, the Economic Growth, Regulatory Relief, and Consumer Protection Act (S.2155) was passed and signed into law with strong bipartisan support! This landmark law unravels many of the suffocating regulatory burdens community banks face. For community bankers, it is already paying dividends and providing real regulatory relief.
Let’s start with mortgage lending. The expanded “qualified mortgage” safe harbor for portfolio loans will benefit the vast majority of community banks. The agencies have begun to act on the exemption from expanded Home Mortgage Disclosure Act reporting, shielding many local banks from this excessive regulatory burden. Meanwhile, they’re working to
Community bankers this year sent more than 15,000 messages and 10,000 petition signatures to Congress advocating the passage of S.2155. implement relief from mandatory escrow requirements. For those community bankers who have considered leaving the mortgage lending market due to the regulatory headaches, these and other provisions could be a game changer. Or how about the broader regulatory reporting environment? S.2155 imple-
ments a short-form call report, expands access to the 18-month exam cycle, exempts most community banks from the Volcker Rule, simplifies capital rules and eliminates Dodd-Frank stress testing for larger community banks. This all adds up to a far more efficient and manageable regulatory regime, allowing community bankers to focus more on what we do best: serving our customers and communities. Amid these policy improvements, we’re also enjoying a welcome change in the “tone from the top” or culture of the banking agencies. The regulatory heads have professed a commitment to transparency, innovation and congressional intent while they’ve begun transforming their agencies to restore trust among community bankers and other regulated entities. As 2018 comes to a close, the community banking industry stands far stronger than it did at the beginning of this whirlwind of a year. The concrete policy gains that we achieved are already helping our banks thrive. I am confident that we will be able to continue building on these accomplishments in 2019. It’ll be here before you know it.
MISSISSIPPI School of Banking
April 7-13, 2019
OXFORD, MS
DOWNLOAD AN APPLICATION | VISIT MSBANKERS.COM Application deadline February 1, 2019 NOVEMBER|DECEMBER 2018
29
MBA Job Bank THE MISSISSIPPI BANKER
The Mississippi Banker JOB BANK DOWNLOAD A JOB BANK FORM at msbankers.com CONTACT adavis@msbankers.com 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. We are also seeking speciality examiners in the areas of IT, BSA, and Trust. Please send resumes to sam.hubbard@dbcf.ms.gov. 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. Commercial Lending Officer: A community bank in the Hattiesburg area is seeking a Commercial Lender with opportunity to advance into senior management. Candidates should have experience in commercial lending with knowledge of credit, compli30
ance and loan documentation. Must have the ability to conduct business development calls promoting the bank in a positive manner; Must have strong computer and communication skills; Reports to local bank president. Candidates may submit confidential resumes to adavis@msbankers.com. Trustmark's Compliance Department is looking to fill three open positions -Sr. Compliance Risk Manager HMDA, Sr. Fair Lending Analyst, and Fair Lending Risk Assessment (FLRA) Coordinator. For the Sr. Compliance Risk Manager - HMDA position, we are looking for a candidate with five years of progressive related experience, with a preference in HMDA reporting and analysis. For the Sr. Fair Lending Analyst, we are looking for five years of experience with a preference in Fair Lending and/or conducting analyses. For the FLRA Coordinator, we are looking for three years of financial industry experience, preferably in lending operational areas, or regulatory experience or risk assessment. To apply, please visit www.trustmark. com/careers. 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 Division President: Community Bank in Brandon, MS is seeking a President of the Mortgage Division. This position requires a
THE MISSISSIPPI BANKER
minimum of 5 years of mortgage sales management experience. The qualified candidate will be responsible for the day to day operations of the Mortgage Division which consist of recruiting, training and managing Mortgage Loan Originators and support staff from Memphis, TN to Panama City, FL. In addition to sales management, the candidate will be responsible for the division's adherence to all compliance and regulatory requirements. Candidates may submit a resume to gregorya.moore@communitybank.net. Mortgage Loan Originator: Charter Bank in Pascagoula is seeking a Mortgage Loan Originator. Originates first mortgage loans, promotes the financial institution and its lending services to the real estate community and helps to identify and serve the community's financial needs through home loan counseling, real estate agent seminars and sales meetings, and by participating in and promoting the financial institution's community activities. This position requires two years prior mortgage experience. Candidates may submit a resume to ppierce@mycharterbank.com. Relationship Banker: Guaranty Bank & Trust Company is seeking a Relationship Banker to serve in the Cleveland area. Preferred candidates must have a minimum of 5-7 years of commercial lending experience. Responsible for developing new customer and business relationships as well as maintaining existing accounts. Must have the ability to development call programs, portfolio management, general management experience, and compliance. Strong verbal and written communication skills are required. Must be active in community events by participating and promoting the bank within the community. Interested candidates may submit a resume to cforbes@gbtonline.com.
MBA Job Bank JOB BANK POLICY FOR MBA MEMBERS:
Mississippi Young Bankers Host networking events
Please visit msbankers.com to download and submit an MBA Job Bank Form. Employment ads will be published in The Mississippi Banker magazine and on the MBA web site for a period of 90 days, at no charge. MBA reserves the right to reject any ad or to change or limit the wording of any ad
FOR PERSONS SEEKING POSITIONS:
Ads for an applicant seeking employment with a Mississippi bank will be placed on the MBA web site and in The Mississippi Banker magazine for a period of 90 days, at no charge, 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 or to change or limit the wording of any ad.
MYB Executive Council members recently hosted networking events at eight locations around the state. The purpose of the events was to encourage participation in MYB and MBA activities. Pictured are some of the attendees at the Flowood event (above) and the Tupelo event (below).
PLEASE NOTE:
Ads available for MBA members only.
SAVE THE DATES - 2019 MBA EVENTS Jan 24-25
MBA BSA/AML Conference
Mar 9-13
MYB Convention
Mar 27
MBA Women in Banking Conference
Apr 7-13
Mississippi School of Banking
May14-19
MBA Annual Convention
VISIT MSBANKERS.COM NOVEMBER|DECEMBER 2018
31
MBA EVENTS
The MBA plans educational conferences and seminars throughout the year in various areas of interest to members. For more information, visit msbankers.com or contact MBA programs manager Lori Richardson: lrichardson@msbankers.com or 601-948-6366.
Glenn McCullough, executive director of Mississippi Development Authority, addressed bank trust officers at the MBA Wealth Management Conference on November 1 in Jackson.
Angela Burch of Copiah Lincoln Community College addressed Mississippi bank human resource officers at "HR Action Meeting" at the MBA on November 29. She discussed how banks and community colleges can work together on workforce development issues.
20
Banker THE MISSISSIPPI
• Annual subscriptions & single issues available
20
Banker I THE MIS SISS IPP
Banker TH E M IS SI SS
IPP I
BER 2017 E 102 • NUMB ER 2
Also in thi
s issue
S MARY CHILDN
MA 130th CHAIR Association
: • MBA stan ding committ • Enrollment ees open for Mis for 2017-18 • 2017 MB A Washington sissippi School of Ban king • MYB Ann Visit ual Leader ship Confere nce, Golf Tou rnament
The official publication of The Mississippi Bankers Association VISIT MSBANKERS.COM
Subscription & advertising rates Contact Brooke McCoy | MBA Marketing Manager 601-948-6366 • bmccoy@msbankers.com 32
THE MISSISSIPPI BANKER
SEPTE MBER/ OCTO VOLUM
A BANKER IN EVERY CLASSRO October 30 OM - Novembe r 3, 2017
kers Mississippi Ban
• Advertising opportunities for our magazine, events, & more
2018 JULY|AUG UST • NUMBER 1 VOLUME 103
Business Internet Speeds up to 1 Gbps.
Make your business fiber fast. Your business can now enjoy the performance of C Spire Business Internet. It’s inspired by businesses like yours, delivering the performance you need from a solution you rely on every day. • • • •
100% fiber Internet options Speeds up to 1 Gbps Highest levels of reliability Local support teams
cspire.com/business | 855.CSPIRE2 ©2018 C Spire. All rights reserved.
247 Industrial Drive North Madison, Mississippi 39110 601-853-7300 1-800-844-7301 www.hederman.com