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January 11, 2019 

GEMA Releases Re-entry Guide for Disaster Planning

The staff at the Georgia Emergency Management Agency / Homeland Security office have spent the past few months putting together a strategy to permit access of essential response personnel into restricted areas during a disaster in Georgia. In releasing the Re-entry Standard Operating Guide in late 2018, they stated it was their goal to clarify the roles, responsibilities and protocol to be followed during a disaster response to ensure that essential response personnel are given timely and efficient access to areas impacted by a disaster. A permitting process has been put in place to control access so that those responding to life-threatening hazards, repairing critical infrastructure and restoring essential commerce can perform those necessary tasks prior to public re-entry. The guide outlines a 5-part phased in process with various entities and organizations allowed entry based on their role in disaster response and recovery. Our thanks to Director Homer Bryson and his key staff for meeting with GBA’s Joe Brannen and Elizabeth Chandler and Banking Commissioner Kevin Hagler and Deputy Commissioner Bo Fears this week to discuss the guide. "Having this new guide and permitting process is helpful. Director Bryson and his staff were open to our request to be sure financial institutions were included with other essential community resources like hospitals, drug stores and retailers so our members may have early access to assess damage and bring in resources in preparation for reopening," said Brannen. Click here to read the guide…

Lots of Interest in State Loan Program to Assist Farmers

We understand that the first loans totaling $3.5 million have been approved by the Georgia Development Authority from the SAFETY 21 program created by the Georgia General Assembly to provide relief to Georgia farmers hurt so badly by Hurricane Michael. The average loan approved was around $269,000 and more than 150 loan applications are being reviewed. The maximum loan amount authorized under the program is $400,000. It’s expected the $55 million set aside for the program will be disbursed quickly which was the intent. If you have customers still interested in applying, there’s a link to the full loan packet available on the Authority’s website. The loans are being reviewed in the order received, so time is of the essence. Also, we are continuing to work with those in the agriculture sector and the new Congress to support getting federal disaster relief funds flowing. We understand the need for our members and your borrowers to know with some certainty what resources will be available as you’re considering 2019 operating lines. Hopefully the federal budget deadlock will be resolved soon. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
Wade

GBA Member Profile

Will Wade Looks to Industry to ‘Grow Our Own’

As a high school senior, Southern Bank and Trust’s Will Wade got introduced to banking by serving on his local bank’s junior advisory board. That eventually led to him getting a job with the bank as a teller and working his way up to local market president. That’s why he’s a firm believer of the industry recruiting young talent and its ability to "grow our own" through various leadership development programs at banks and GBA. Read more about how Wade, a member of GBA’s Public Affairs Committee, got into banking, some of his mentors, and his hopes and concerns for the industry in this week’s GBA member profile…

Big Week Ahead for Georgia’s Leadership

Our congratulations to all the newly elected leadership that will take office next week. The 2019 General Assembly will convene at 10 a.m. Monday. At
2 p.m., Gov. Brian Kemp, Lt. Gov. Geoff Duncan and other constitutional officers will take their oaths of office in a ceremony at the McCamish Pavilion on the campus of Georgia Tech. An inaugural gala will be held Thursday evening, Jan. 17, at State Farm Arena in downtown Atlanta. "The excitement is building and we’re looking forward to working with this dynamic group of public servants leading our state. We know them well and have a lot of optimism about what lies ahead," said GBA president and CEO Joe Brannen.

Preview of Legislative/Economic Forum

McWilliams’ Story Compelling

In 1991, a young exchange student from Yugoslavia landed in Stockton, California, with $500 to her name. Alone in a new country, one of her first orders of business was to open a checking account. Now, 28-years later, Jelena McWilliams is Chairman of the Federal Deposit Insurance Corporation. We’re excited that McWilliams will be with us at our Legislative/Economic Forum next Wednesday, Jan. 16. For some insight about her approach to leading the FDIC and her personal background, check out the story in this months’ ABA Banking Journal. Read more here…

GBA In the News

Teeing Up 2019 for Banking

GBA’s advocacy for banking to media outlets was on display this week as the Georgia CEO online business publications turned to us for an update on industry issues heading into the new year. GBA’s David Oliver was featured in a video clip noting GBA’s eagerness to work with the state’s new elected leadership, our intent to keep Georgia the #1 state in which to bank and the association’s advocacy on behalf of farm customers and banks that serve them related to relief funds for Hurricane Michael. View the clip here…
Mitton

Crime and Punishment

Cybercriminal Who Targeted GBA Sentenced

Erika Mitton, who was convicted in November of spoofing GBA President and CEO Joe Brannen’s email address to commit wire fraud, has been sentenced to 90 days in jail as a condition of 5 years’ probation. She has also been ordered to pay full restitution to GBA and the insurance company, she must seek full-time employment upon release from jail, forfeit any tax refund money to the restitution amount and not be employed in an occupation in which she takes money. We appreciate the hard work and diligence by the prosecutor on this case, Seth Solomon, assistant state attorney for the Florida State Attorney’s Office. Detective O’Neal with the Lakeland police department also doggedly pursued the Mitton, assembling a helpful case for the prosecution.

Shutdown Update

IRS Will Process and Pay Refunds and Resume Tax Transcript Service

We continue to keep tabs on the effects on customers and banks of the partial government shutdown that started Dec. 22. The IRS this week made two important announcements. In confirming it will begin processing tax refunds Jan. 28, it said it will provide refunds to taxpayers as expected, despite the partial shutdown and furlough of many IRS employees. It also announced it will resume processing requests for tax transcripts mad through its Income Verification Express Service program, which is used by mortgage lenders to verify income for loan originations.

Georgia Represented on Senate Banking Committee

Georgia Sen. David Perdue continues to serve on the U.S. Senate Banking Committee in the 116th Congress. Here’s a look at the map of state representation on the committee. Twenty-three states have committee members, and Alabama and Arizona have two Senators on the committee, one from each party.

2018 BankPAC Goals Exceeded

The 2018 BankPAC Campaign was a success by any measure thanks to all who took the responsibility to make it so. Contributions to the FedPAC were 114 percent of the goal, and contributions to the StatePAC were 108 percent of goal. We owe thanks to our latest contributors for participating last year in the StatePAC: First Bank, Dalton, Larry Roye, president and CEO, and First State Bank of Randolph County, Cuthbert, Scott Curry, president and CEO. See how your GBA group fared this year as well as this important statewide effort. Many thanks go to all who participated in our success. With questions, please call GBA’s Elizabeth Chandler at 404.420.2027.
The Fairmont Banff Springs

Summer Destination

Plan Now to Attend GBA Annual Meeting in Banff Springs, Alberta

Start making plans now for travel this summer to GBA’s 2019 Annual Meeting in Banff Springs, Alberta, Canada. To be held June 23-26 at the historic Fairmont Banff Springs, this year’s annual meeting will bring you the professional education, timely updates, and sense of community and connection that you expect, in a spectacular locale. We hope you’ll join GBA Chairman John HallAmerican Pride Bank, and his wife, Stephanie, as they welcome you to gorgeous Banff Springs. We’ve put together an early checklist so that you can start making plans. Read more here.
Register for Annual Meeting

GBA Ag Committee Meets to Begin Planning May Conference

GBA’s Agriculture Committee will meet Thursday, Jan. 24, in Macon to begin planning the 2019 Rural Development and Lending Conference, which will be May 16-17 at The King and Prince on St. Simons. The Ag Committee is led by chair Todd HarrellUnited National Bank, Cairo, and Danny MinickCitizens Bank of Americus. Watch your GBA Bulletin for a registration announcement for the Rural Development and Lending Conference, and for articles about the sessions and speakers. Questions? Contact GBA’s Alison Moreau, 420.2034.
Fleming

2019 Operations/Technology Conference Welcomes Back Trent Fleming

GBA’s Operations and Technology Committee is excited to welcome Trent FlemingTrent Fleming Consulting, back as a speaker at this year’s Operations and Technology Conference. Fleming has served as a trusted adviser to financial institutions for more than three decades on matters of technology, strategy and management. Trent’s presentations consistently get the highest marks from his audiences. Operations and Technology Conference attendees will get a double dose of Trent’s expertise again this year, with two pre-conference sessions on profit productivity and technology for lenders. If you are your bank’s technology officer, IT manager, ISO, or are involved in deposit operations, business development or even compliance, don’t miss this conference March 25-27 at The King and Prince Hotel, St. Simons Island. Get more information and register here

HR Professionals Institute - March 20-22

Assembling Successful Teams with Four Generations in the Workforce

For the first time in history, we have four generations in the workforce at the same time. How does each generation perceive promotion, job growth, benefits and perks? Lane Henderson, owner of Jumpstart Teams, will cover all that and more in her session at this year's HR Professionals Institute March 20-22 at the Westin Hotel on Jekyll Island. Henderson is a licensed Path Elements Profile (PEP) trainer and Professional Path Coach. A native of North Carolina, she graduated in business from UNC - Chapel Hill and has worked for 30 years in advertising sales, building client relationships, training and managing sales teams. Any banker involved in human resources at their bank is encouraged to attend. Click here to register online or to reserve your hotel room.

Don’t Wait any Longer to Take Advantage of New Reciprocal Deposit Opportunities with Promontory Interfinancial Network

Thanks to last year’s regulatory relief bill (S.2155), most reciprocal deposits are no longer classified as brokered deposits. We have heard recently that quite a number of Georgia banks joined the network in 2018, but have yet to place any funds. If you are still on the fence, please plan to join experts from Promontory soon for one of their upcoming, free webinars that will cover the most current details about how banks can use its ICS and CDARS programs to capitalize on this valuable opportunity and make a positive impact on your bank’s balance sheet. Promontory’s presenters will discuss the ways the services can attract high-value relationships and lock-in more low-cost funding for loans. These webinars have been planned for community banks that use collateralized deposits and/or listing services, and you can choose any date and time that works for you. Please click the orange button to see days/times and register.
Register for ICS/CDARS Webinar

GBA Strategic Partner Dart Appraisal Offers the Best Custom Appraisal Management Solutions

What we’ve learned in a short time about Dart is that its singular focus on appraisal management solutions during the past 25 years, has resulted in an expert, national appraiser panel that consistently delivers helpful results to wherever they are called. Dart also understand that appraisal management is not one-size-fits-all. And, Dart is committed to meeting every one of their client’s specific needs. Dart can customize solutions and it’s dedicated teams are continually looking for ways to improve their customer service every step of the way. Those are just a couple of the reasons why we believe they’re a great choice for your bank's appraisal management. Download a helpful brochure about Dart here or click the button below to connect with one of Dart’s appraisal management experts.
Request Dart Appraisal Info

Earn Higher Revenue and Enhance the Account-Holder Experience with Deluxe’s Consumer Check Program

The consumer check program offered by GBA Strategic Partner Deluxe is one of the very best ways to anchor, engage and protect customers’ transactions while earning more revenue. It includes fraud protection measures, backed by Deluxe, and allows each customer to choose from a large selection of popular classic and contemporary check designs. A wide range of additional product enhancements are also available. Here are some of the other things we hear folks like about Deluxe’s program. Click here for a quick video from Deluxe highlighting the continuing value of checks in banking relationships today. For more information about Deluxe’s check program, please contact Kevin Jefferson, 336.676.0321.

Online Classes - January

Train your Team and Build a Strong Foundation in the Basics

ABA facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. Click here for a list of all ABA offerings. There are eight upcoming courses scheduled to begin in January. For more information, contact Shan Haugabrook, 404.420.2020.
Fill a Job, Find a Job with the GBA Job Bank
The GBA Job Bank is among the most popular and valuable benefits we provide to member banks and bankers. The Positions Available and Bankers Available sections on our website consistently are among the most visited pages. Best of all, the service costs nothing for member banks and bankers. If you have any questions, please contact GBA's Katina Prokos at 404.420.2021.
GBA Community Connections
We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Read all about the Community Connections our banks and members have below. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Katina Prokos and David Oliver, or if your company would like to sponsor this content, let us know. Here's our latest installment...
Private Bank of Buckhead, a division of
National Bank of Commerce
Harton
Smith
Sands
Powers
Candice, Scott and Cameron Nanney
Holmes
Read All About It: Send Us Your News
We want to share your news with your colleagues around the state. Please forward your announcements about promotions, new employees and special recognition your bank has received along with any available photos to GBA's David Oliver and Katina Prokos.
Georgia Banking School and GBA Compliance School
email marketing by Georgia Bankers Association
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