COMMUNITY BANKERS ASSOCIATION OF GEORGIA
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December 1, 2021

 Advocacy

CBA's PAC/PR Funds

Advocacy Update

Preferred Service Providers

Events Calendar
​

HR & Talent Development League

Conventions
​
Webinars

​
Compliance Professional Package

Banker Regulatory Forums

Community Bank Leadership Academy


Check Out Our
Preferred
Service
​Providers!
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2021 has seen both challenges and major accomplishments for CBA and Georgia’s community banking industry.  We look forward to expanding our member experience in 2022 through strong lobbying efforts, continuously enhanced professional development programs, and innovative solutions from our vendor partners.
 
"Membership in CBA is an investment in your bank’s future. With the same dedication and commitment you use to serve your customers and communities, CBA pledges to help you succeed in today’s challenging financial services environment. We appreciate your continued support and involvement. This is your association and we encourage your participation and input anytime,” explained John McNair, CBA President & CEO.
 
CBA member banks will be receiving a statement for their annual membership dues next week. If you have any questions regarding your membership, please contact CBA. See all the benefits of membership.

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Community Banks Reported a 19.6 Percent Increase in Quarterly Net Income Year Over Year
The Third Quarter 2021 report from the FDIC shows community banks reported annual net income growth of $1.4 billion, supported by an increase in net interest income and a decline in provision expense.  Provision expenses declined $1.4 billion (83.5 percent) from a year ago and increased $219.2 million (427.9 percent) from the previous quarter.  Higher commercial and industrial (C&I) loan income, reflecting, in part, increased fee income from the payoff and forgiveness of Paycheck Protection Program (PPP) loans, and helped lift net interest income $2.2 billion (11.7 percent) from the same quarter a year ago. 

The net interest margin for community banks expanded 3 basis points from the year-ago quarter to 3.31 percent, as the continued reduction in average funding costs outpaced the decline in earning asset yields.  Nearly two-thirds (65.8 percent) of the 4,450 FDIC-insured community banks reported higher quarterly net income. Click here to access Quarterly Banking Profile home page.


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Meet the Exhibitors at CBA's Fintech Forum
It’s not too late to register for CBA’s Fintech Forum, December 13-14, 2021,  at the Georgia Tech Hotel & Conference Center.  Digital transformation is top of mind for Georgia community banks, and CBA has secured an informative line-up of presenters, fintech organizations, and of course, exhibitors.  The forum offers networking galore during the reception, breakfast, breaks and lunch.  Meet the exhibitors and learn how they can help your bank. Click here for more information and to register.

Abrigo            
Atlas Platform by StreetShares  
Carr Riggs & Ingram, LLC  

Finosec 
Finzly
KlariVis                      
NXTSoft   
ProcessMaker                       
SHAZAM                    
STS Group

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​CBA PAC Fund: Thank You!
At CBA, we must constantly build and renew relationships with legislators that understand and support community banking.
​
Thank you to the following banks for their generous contributions to CBA’s PAC Fund: 
  • South Georgia Bank, Glennville – Special Thanks to the following directors for their support: 
    Mr. Bran Thompson | Mr. John Shuman | Mr. Steve Kimbrell | Mr. Greg Woolard | Mr. McCall Woolard
    ​Mr. Paul Rose | Mr. Troy Rahn | Mr. Ed Nelson | Mr. Dale Dutton


John McNair in Annual "Atlanta Gives Thanks" Feature
Each year, the Atlanta Business Chronicle reaches out to CBA President/CEO John McNair, asking what he is grateful for as an area CEO.  This year, John recognized the team at CBA. 
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Sympathy
CBA extends our thoughts and prayers to long-time CBA instructor and friend Jeffery Johnson, Bankers-Insight Group, LLC, on the recent passing of his wife Jeannie.  The service for Jeannie will be held Monday, December 6, 2021.

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Georgia’s community bankers do great things in their communities every day. Here is the latest on community outreach and news from CBA Members:
  • Exchange Bank, Milledgeville, and Georgia Military College have partnered to further the education of Exchange Bank employees. Starting January 12th, “GMC Exchange Bank Cohort” students will begin their first classes as they pursue both a college degree and a promotable career path. Read press release.

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Legacy State Bank, Loganville, congratulates Chuck Drexler, EVP and Chief Lending Officer, on his retirement December 31, 2021. The bank thanks him for his many contributions, steady leadership and wishes him well in his next chapter.
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Becky Cooper has been promoted to Assistant Vice President & Trust Officer at Century Bank & Trust, Milledgeville.
Read more.

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Think CBA First for Your Professional Development Needs!
​Be sure to think of CBA first when it comes to your training and Professional Development needs. Here are some upcoming CBA events:

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Session IV: December 7, 2021
Register now for high-level in-person peer connections exclusively offered in CBA’s Executive Channel. The Executive Channel provides a direct connection for executive bankers from across the state! CBA has gathered for you a group of industry leaders to share information and guide discussions.


Interest Rate Risk Management Tools, Tommy Warren , Vining Sparks
Despite a yield curve that has steepened from unusually flat levels, low nominal interest rates and the possibly for continued Fed involvement have the potential to pressure net interest margins further in 2021. Balance sheet managers understand the implications of interest rate volatility all too well, as optionality on balance sheets led to a flurry of unexpected cash flows throughout 2020. We will provide an overview of effective management of IRR to help bankers prepare for examinations and present strategies designed to assist your financial institution in maintaining a reasonable profitability level.


Strategies and Implications for Higher Rates, Jim Reber, ICBA Securities
​
Persistent high inflation is causing the Federal Reserve to adjust its monetary policy to a sooner-than-later proposition. Community banks are generally built for rising rates, but there is also a playbook for investing in bonds that will perform well if the market begins to price in rate hikes. We will discuss popular securities that would fit these criteria and suggest strategies for altering a bank’s interest rate risk profile.
Register today!
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Webinar: Tax Update for Financial Institutions
December 2, 2021 | 11:00 AM — 12:30 PM
Partners from Wipfli will share their insights on the provisions in the new tax law and IRS guidance for institutions and how they can best prepare, including:
  • Federal tax changes affecting C corporations and S corporations | Recent and proposed tax legislation
    Tax planning strategies and opportunities for tax savings
  • Update on IRS audit activities | Tax-related accounting issues 
Click here for more information and to register.


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Webinar: 2022 Loan Growth:
Finding It and Managing the Risk

December 7, 2021 | 2:00 PM
Many banks saw negative average loan growth in 3Q 2021, and the challenges are still with us—potentially leading to further trouble for net interest margins and growth strategies.  Arne Monson, Holtmeyer & Monson and David Ruffin, IntelliCredit will discuss current lending trends, hot opportunities and more. You’ll learn about sectors and niches to focus your lending efforts on, and how to manage loan growth in new areas without incurring inordinate risk. They will also share how banks can transfer PPP loan success into a permanent government-guaranteed lending program, covering how to get started, best practices and the right prospects to target.  Learn more and register.


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Founded in 1993, Crescent Mortgage has always been the premier provider of secondary mortgage offerings for community banks. As a community bank-owned, top 25 national wholesale and correspondent lender, we are "totally committed to daily exceeding the expectations of our customers."

Loan products include Fannie Mae, Freddie Mac, FHA, VA, USDA, Jumbo, and one-time close construction to permanent financing. We offer Wholesale and Correspondent lending options, contract processing, free training, as well as free access to loan origination, compliance and automated underwriting systems. Crescent will help you increase your profit and reduce your risk in mortgage lending.


​To learn more, contact Skip Willcox at 478-357-4441 or visit their website.​
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Here are some of the latest news stories relevant to community banking and the financial services industry:​
  • Cybersecurity Advisory Warns of Holiday Attacks
  • Fed Opens New York Innovation Center
  • ICBA Launches Comment Letter Campaign on 1071 Proposal
  • SBA Updates COVID EIDL Guidance 
  • The Big Picture: Banking – Report from S&P Global
  • Agriculture Update: Cotton Marketing News​

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 Copyright © Community Bankers Association of Georgia.  All Rights Reserved.
1640 Powers Ferry Road SE, Building 28, Suite 100  |  Marietta, GA 30067
Phone: (770) 541-4490  |  (800) 648-8215  |  cba@cbaofga.com | Privacy Policy | sitemap
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  • HOME
  • ABOUT CBA
    • Board of Directors
    • CBA Committees
    • LEAD Division
    • Office Directions & Hours
    • Our Team
    • Privacy Policy
    • Remembering Julian Hester
  • MEMBERSHIP
    • Member Login
    • Associate Members >
      • Associate Member Benefits & Application
      • Associate Member Directory >
        • Company Listing Update
    • Bank Members >
      • Member Benefits
      • Member Bank Directory >
        • Bank Listing Update
      • Lifetime Service Awards
    • Preferred Service Providers
    • ADVERTISING & SPONSORSHIP OPPORTUNITIES
    • Resources >
      • CBA Legal Hotline
      • CBA Career Center
      • CBA Wellness Solutions
      • April is Community Banking Month
      • Marketing Resources
      • Useful Websites
  • PROFESSIONAL DEVELOPMENT
    • Community Bankers College
    • Programs >
      • Calendar
      • Programs by Functional Category
      • Webinars
      • Banker Regulatory Forum
      • Barret School of Banking
      • Community Bank Leadership Academy
      • Compliance Professionals Package >
        • 2023 Compliance Professionals Package
      • Connect (Convention)
      • Executive Channel
      • HR & Talent Development League
      • WINSPIRE - Women in Banking
    • Resources >
      • Cancellation Policies & Facility Maps
      • Compliance Resources
      • Disaster & Pandemic Support & Preparedness
      • FDIC Regulatory Calendar
      • Financial Literacy
      • Speakers
    • Scholarships/Student Development >
      • Julian & Jan Hester Scholarship
      • McNair Scholarship
      • Walraven Scholarship
      • Rise Up - College Student Development Program
  • PUBLICATIONS
    • Advocacy Update
    • Education Buzz
    • eNewsletter - CBA Today
    • Georgia Communities First Magazine
    • Georgia Financial Directory
    • Innovation Circuit
    • Peachy Posts
    • Swaggin Wagon Adventures
  • ADVOCACY
    • Programs >
      • Clay Shoot
      • TopGolf Tournaments
      • Town Hall Talks
    • Advocacy Fund >
      • T-Shirt Advocacy Fundraiser
      • Corporate Donations
      • Individual Donations
    • Advocacy Update
    • ICBA Plan for Prosperity
    • Locate Your Legislator
    • Priority Legislation SB 157 >
      • SB 157 Survey
    • SBA/PPP Resources >
      • THE CARES ACT & SBA LENDING
      • Paycheck Protection Program
      • PSP & Associate Member Support During Covid-19
    • Silent Auction Items