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(L-R): Rep. Bert Reeves; Lori Godfrey, CBA of Georgia; John Sillay, James-Bates-Brannan-Groover-LLP; Sen. John F. Kennedy; Tim Jones, Citizens Community Bank; Governor Brian P. Kemp; John McNair, CBA of Georgia; Rep. Dale Washburn; Rep. Erick Allen; Rep. Teri Anulewicz; Steve McCoy, Office of State Treasurer
On Thursday, May 2, 2019, Governor Brian P. Kemp signed SB 157 into law at CBA Headquarters before a group of community bankers from across the state. SB 157 allows community banks, many of which are located in rural Georgia, to accept local government’s funds and allows these banks in turn to reinvest and loan monies back into their own communities and spur economic activity. Increased lending will spur business growth, jobs, and boost statewide economic activity. SB 157 was unanimously passed by the legislature during the 2019 legislative session.
CBA’s President and Chief Executive Officer John McNair stated, “We greatly appreciate Senator John F. Kennedy, Macon, and Representative Dale Washburn, Macon, for guiding the bill through this legislative process. We are also thankful for our partnerships with National Federation of Independent Businesses (NFIB), the Georgia Municipal Association (GMA), and the Association of County Commissioners (ACCG) in making this bill a possibility. SB 157 will change people’s lives, and all of us at CBA are proud, honored and humbled to have had the opportunity to impact Georgia’s community banking industry in this most positive manner!”
Governor Kemp stated, “By supporting small businesses and local entrepreneurs, this legislation is another positive step toward a new day in rural Georgia. I thank the General Assembly and the Community Bankers Association for their hard work on this important issue and their efforts to bring greater prosperity to all corners of our state.”
The ceremony began with remarks by CBA Chairman Tim Jones, Citizens Community Bank, Valdosta, Sen. John F. Kennedy, John McNair and CBA Director of Legislative & Regulatory Affairs Lori Godfrey. The Governor offered remarks, signed SB 157 and visited with community bankers afterwards in a brief reception. CBA is extremely thankful for all bankers, legislators and advocates who supported the bill during this session. We thank Governor Kemp for spending time with us to celebrate this historic milestone for Georgia's community banking industry. Read the full press release.
CBA’s President and Chief Executive Officer John McNair stated, “We greatly appreciate Senator John F. Kennedy, Macon, and Representative Dale Washburn, Macon, for guiding the bill through this legislative process. We are also thankful for our partnerships with National Federation of Independent Businesses (NFIB), the Georgia Municipal Association (GMA), and the Association of County Commissioners (ACCG) in making this bill a possibility. SB 157 will change people’s lives, and all of us at CBA are proud, honored and humbled to have had the opportunity to impact Georgia’s community banking industry in this most positive manner!”
Governor Kemp stated, “By supporting small businesses and local entrepreneurs, this legislation is another positive step toward a new day in rural Georgia. I thank the General Assembly and the Community Bankers Association for their hard work on this important issue and their efforts to bring greater prosperity to all corners of our state.”
The ceremony began with remarks by CBA Chairman Tim Jones, Citizens Community Bank, Valdosta, Sen. John F. Kennedy, John McNair and CBA Director of Legislative & Regulatory Affairs Lori Godfrey. The Governor offered remarks, signed SB 157 and visited with community bankers afterwards in a brief reception. CBA is extremely thankful for all bankers, legislators and advocates who supported the bill during this session. We thank Governor Kemp for spending time with us to celebrate this historic milestone for Georgia's community banking industry. Read the full press release.
Scenes from the SB 157 Bill Signing with Governor Kemp

CBA Hosts Banker Regulatory Forum in Conjunction with Governor’s Visit to CBA
Excitement was in the air as CBA hosted its 2nd quarter Banker Regulatory Forum on Thursday, May 2, at CBA’s Headquarters. Earlier in the morning, Governor Kemp arrived, spoke to the crowd about the important role community banks play in the economy, and signed SB 157 into law (for more on this bill, click here).
After a brief reception, the Banker Regulatory Forum began. The regulators covered their agencies’ hot topics which allowed for productive discussions among the group; and, general questions were later posed from various sources. Topics discussed last week included the DBF’s Housekeeping Bill, SB157, prize-linked savings accounts, water craft titling, concentrations, liquidity, net interest margin, credit quality and underwriting trends, stress testing, and, the most covered topic - Cyber Security.
The bankers’ only roundtable included an ICBA Capital Summit update provided by CBA’s Director of Legislative & Regulatory Affairs Lori Godfrey. She briefed attendees on topics discussed at the federal level – banking legal marijuana businesses, BSA/AML, beneficial ownership, SARs/CTRs, flood insurance and, most importantly, disaster relief. Additionally, an update on banking-related legal and legislative issues was provided by John Sillay, Associate, James-Bates-Brannan-Groover (JBBG). The main topics he covered were understanding insurance policies covering cyber security breaches, legal marijuana banking and CECL.
Remaining 2019 Regulatory Forum Dates:
Thursday, August 1 - Safety & Soundness - Idle Hour Country Club, Macon
Thursday, November 7 - Compliance - CBA Headquarters, Atlanta
Registration for all 2019 Forums is open – you may learn more and register here.
Excitement was in the air as CBA hosted its 2nd quarter Banker Regulatory Forum on Thursday, May 2, at CBA’s Headquarters. Earlier in the morning, Governor Kemp arrived, spoke to the crowd about the important role community banks play in the economy, and signed SB 157 into law (for more on this bill, click here).
After a brief reception, the Banker Regulatory Forum began. The regulators covered their agencies’ hot topics which allowed for productive discussions among the group; and, general questions were later posed from various sources. Topics discussed last week included the DBF’s Housekeeping Bill, SB157, prize-linked savings accounts, water craft titling, concentrations, liquidity, net interest margin, credit quality and underwriting trends, stress testing, and, the most covered topic - Cyber Security.
The bankers’ only roundtable included an ICBA Capital Summit update provided by CBA’s Director of Legislative & Regulatory Affairs Lori Godfrey. She briefed attendees on topics discussed at the federal level – banking legal marijuana businesses, BSA/AML, beneficial ownership, SARs/CTRs, flood insurance and, most importantly, disaster relief. Additionally, an update on banking-related legal and legislative issues was provided by John Sillay, Associate, James-Bates-Brannan-Groover (JBBG). The main topics he covered were understanding insurance policies covering cyber security breaches, legal marijuana banking and CECL.
Remaining 2019 Regulatory Forum Dates:
Thursday, August 1 - Safety & Soundness - Idle Hour Country Club, Macon
Thursday, November 7 - Compliance - CBA Headquarters, Atlanta
Registration for all 2019 Forums is open – you may learn more and register here.
Thanks to the Forums’ Exclusive Sponsor!

SB 157: What's Buzzing in Education?
We are ecstatic that SB157 has been officially signed by our Governor, Brian Kemp. We will be providing educational opportunities to support your knowledge building and to help you get started using the benefits of this regulation. Look for more details after we have used the adult learning process to build a thorough and effective education program to bring the value you deserve. Be on the lookout for details coming soon.
We are ecstatic that SB157 has been officially signed by our Governor, Brian Kemp. We will be providing educational opportunities to support your knowledge building and to help you get started using the benefits of this regulation. Look for more details after we have used the adult learning process to build a thorough and effective education program to bring the value you deserve. Be on the lookout for details coming soon.

American Banker: A Deposit Boon for Small Georgia Banks?
Georgia lawmakers have just made it a whole lot easier for community banks in the state to accept government deposits that they can then use to fund loans in their local markets. Governor Brian Kemp signed into law a bill that would allow community banks to accept public funds that exceed the $250,000 on federal deposit insurance without having to put up higher amounts of collateral for them. Specifically, the new law lets banks use third-party deposit-placement providers to split large-dollar deposits among multiple banks so that they are covered by deposit insurance.
The Community Bankers Association of Georgia estimates that banks hold about $22 billion in public deposits from local municipalities. More than 80% of those funds are held by large banks, which can more easily absorb the cost of collateral. John McNair, President of CBA of Georgia, said that smaller banks often hold some funds from the local municipalities "to be a good community citizen" even if it's not the best move for their balance sheet. Freed from stringent collateral requirements, small banks can be more aggressive about bidding for public deposits that they can then use to stimulate economic development. "This is going to be really significant for community banks,” McNair said. Read the full article from American Banker.
Georgia lawmakers have just made it a whole lot easier for community banks in the state to accept government deposits that they can then use to fund loans in their local markets. Governor Brian Kemp signed into law a bill that would allow community banks to accept public funds that exceed the $250,000 on federal deposit insurance without having to put up higher amounts of collateral for them. Specifically, the new law lets banks use third-party deposit-placement providers to split large-dollar deposits among multiple banks so that they are covered by deposit insurance.
The Community Bankers Association of Georgia estimates that banks hold about $22 billion in public deposits from local municipalities. More than 80% of those funds are held by large banks, which can more easily absorb the cost of collateral. John McNair, President of CBA of Georgia, said that smaller banks often hold some funds from the local municipalities "to be a good community citizen" even if it's not the best move for their balance sheet. Freed from stringent collateral requirements, small banks can be more aggressive about bidding for public deposits that they can then use to stimulate economic development. "This is going to be really significant for community banks,” McNair said. Read the full article from American Banker.

De Novo Effort in Atlanta Gets One Step Closer to Opening
Organizers of Tandem Bank in Tucker have cleared a key hurdle as they look to open the state's first de novo since the financial crisis. The Georgia Department of Banking and Finance has approved the group's application. The proposed bank still needs approval from the FDIC. Tandem, which has raised $18 million in initial capital, is expected to open by this fall.
"The formation of this new state bank is further evidence that community banking in Georgia has recovered from the depths of the financial crisis," Georgia Department of Banking and Finance Commissioner Kevin Hagler said in a press release. Read the full article from American Banker.
Organizers of Tandem Bank in Tucker have cleared a key hurdle as they look to open the state's first de novo since the financial crisis. The Georgia Department of Banking and Finance has approved the group's application. The proposed bank still needs approval from the FDIC. Tandem, which has raised $18 million in initial capital, is expected to open by this fall.
"The formation of this new state bank is further evidence that community banking in Georgia has recovered from the depths of the financial crisis," Georgia Department of Banking and Finance Commissioner Kevin Hagler said in a press release. Read the full article from American Banker.

The Early Bird Gets the Discount!
Two programs have early bird discounts that will end on Friday, May 10:
Calling all compliance officers to join us for our inaugural Compliance Management a/k/a Compliance Officer Boot Camp from June 18-21 at the Chateau Elan. If you are considering becoming a compliance officer, if you are new to the compliance function, or if you have been managing compliance functions for years, you will not want to miss this in-depth school that will enhance your bank’s compliance system. Click here to see the topical outline on page 2 of the flyer. Register before May 10 for reduced pricing. Call the Chateau Elan to be sure you receive the CBA discount on your accommodations. Register and learn more.
Two programs have early bird discounts that will end on Friday, May 10:
- Bank Security & Workplace Violence Conference
- Compliance Officer Boot Camp
Calling all compliance officers to join us for our inaugural Compliance Management a/k/a Compliance Officer Boot Camp from June 18-21 at the Chateau Elan. If you are considering becoming a compliance officer, if you are new to the compliance function, or if you have been managing compliance functions for years, you will not want to miss this in-depth school that will enhance your bank’s compliance system. Click here to see the topical outline on page 2 of the flyer. Register before May 10 for reduced pricing. Call the Chateau Elan to be sure you receive the CBA discount on your accommodations. Register and learn more.
Save the Date: Cyber Risk Summit!
Be sure to save the date for our Cyber Risk Summit! Join us at The Westin Savannah Harbor Golf Resort & Spa on Thursday and Friday, August 22-23, 2019. Be on the look for an email for more on the conference. Register here and learn more.
Be sure to save the date for our Cyber Risk Summit! Join us at The Westin Savannah Harbor Golf Resort & Spa on Thursday and Friday, August 22-23, 2019. Be on the look for an email for more on the conference. Register here and learn more.

FinCEN Updates Advisory on Venezuelan Corruption
The Financial Crimes Enforcement Network (FinCEN) issued an updated advisory to alert financial institutions of public corruption in Venezuela and potential attempts by the country’s political leaders to move and hide proceeds of their corruption. The advisory provides financial red flags to help institutions identify and report suspicious activity that may indicate corruption. Read more from FinCEN.
The Financial Crimes Enforcement Network (FinCEN) issued an updated advisory to alert financial institutions of public corruption in Venezuela and potential attempts by the country’s political leaders to move and hide proceeds of their corruption. The advisory provides financial red flags to help institutions identify and report suspicious activity that may indicate corruption. Read more from FinCEN.

Fed Releases Senior Loan Officer Opinion Survey Results
The April 2019 Senior Loan Officer Opinion Survey on Bank Lending Practices addressed changes in the standards and terms on, and demand for, bank loans to businesses and households over the past three months, which generally corresponds to the first quarter of 2019.
Regarding loans to businesses, respondents to the April survey indicated that, on balance, they left their standards basically unchanged and eased some of the terms on commercial and industrial (C&I) loans to large and middle-market firms, while standards and most terms remained basically unchanged for such loans to small firms. Meanwhile, banks reported weaker demand for C&I loans from firms of both size categories. In addition, banks reportedly tightened standards across all three major commercial real estate (CRE) loan categories—construction and land development loans, nonfarm nonresidential loans, and multifamily loans—over the past three months. Loan demand in all three major CRE loan categories reportedly weakened during the same period. Read more from the Fed.
The April 2019 Senior Loan Officer Opinion Survey on Bank Lending Practices addressed changes in the standards and terms on, and demand for, bank loans to businesses and households over the past three months, which generally corresponds to the first quarter of 2019.
Regarding loans to businesses, respondents to the April survey indicated that, on balance, they left their standards basically unchanged and eased some of the terms on commercial and industrial (C&I) loans to large and middle-market firms, while standards and most terms remained basically unchanged for such loans to small firms. Meanwhile, banks reported weaker demand for C&I loans from firms of both size categories. In addition, banks reportedly tightened standards across all three major commercial real estate (CRE) loan categories—construction and land development loans, nonfarm nonresidential loans, and multifamily loans—over the past three months. Loan demand in all three major CRE loan categories reportedly weakened during the same period. Read more from the Fed.

Take the 2019 National Survey of Community Banks
In a recent bulletin, the Georgia Department of Banking and Finance (GA DBF) urged community banks to take part in the 2019 National Survey of Community Banks. This survey is a key component of the Community Banking in the 21st Century Research and Policy Conference sponsored by the Conference of State Bank Supervisors (CSBS), the Federal Reserve System, and the FDIC. The results from the National Survey have enabled community banks to inform policymakers and researchers about the opportunities and challenges facing the community banking industry.
The survey should take approximately 20 minutes to complete and can be completed in different intervals. GA DBF asks that you complete the National Survey by June 30, 2019 so they can analyze and present the findings in the national publication released during the seventh annual Community Banking in the 21st Century Research and Policy Conference at the Federal Reserve Bank of St. Louis. Click here to take the survey. Read the bulletin from GA DBF.
In a recent bulletin, the Georgia Department of Banking and Finance (GA DBF) urged community banks to take part in the 2019 National Survey of Community Banks. This survey is a key component of the Community Banking in the 21st Century Research and Policy Conference sponsored by the Conference of State Bank Supervisors (CSBS), the Federal Reserve System, and the FDIC. The results from the National Survey have enabled community banks to inform policymakers and researchers about the opportunities and challenges facing the community banking industry.
The survey should take approximately 20 minutes to complete and can be completed in different intervals. GA DBF asks that you complete the National Survey by June 30, 2019 so they can analyze and present the findings in the national publication released during the seventh annual Community Banking in the 21st Century Research and Policy Conference at the Federal Reserve Bank of St. Louis. Click here to take the survey. Read the bulletin from GA DBF.

The Keys to Successful Leadership
Part I: Leading Through Values | Part II: Identifying Communication Styles
Saturday, June 8th
Part I: Leading Through Values
It is common business practice for companies to define corporate values. All team members are expected to demonstrate the company values, but we must also recognize the individual’s value system as well. It’s the “why” we do what we do. Additionally, most leaders do not know how to recognize the values of their team members. As a leader it is important to identify our values and learn to recognize the values of others. This session allows participants to identify their personal values, discover the strengths and blind spots of their values, and engage with others whose values are different, although equally important.
Part II: Identifying Communication Styles
Individuals all come to work with their own styles and tenancies. For this reason it is important to identify our own style and to be able to recognize communication styles in others. This interactive session gives participants an opportunity to quickly determine their communication style, get into a group with others who share their style and give recommendations to the large group about how to communicate in a way that is effective for them to receive the message. Participants leave the session with new tools to recognize different styles, ways to adjust their communication when working with someone of a different style, and place value on team members who work differently.
Hear from April herself as she shares more about these sessions:
Part I: Leading Through Values | Part II: Identifying Communication Styles
Saturday, June 8th
Part I: Leading Through Values
It is common business practice for companies to define corporate values. All team members are expected to demonstrate the company values, but we must also recognize the individual’s value system as well. It’s the “why” we do what we do. Additionally, most leaders do not know how to recognize the values of their team members. As a leader it is important to identify our values and learn to recognize the values of others. This session allows participants to identify their personal values, discover the strengths and blind spots of their values, and engage with others whose values are different, although equally important.
Part II: Identifying Communication Styles
Individuals all come to work with their own styles and tenancies. For this reason it is important to identify our own style and to be able to recognize communication styles in others. This interactive session gives participants an opportunity to quickly determine their communication style, get into a group with others who share their style and give recommendations to the large group about how to communicate in a way that is effective for them to receive the message. Participants leave the session with new tools to recognize different styles, ways to adjust their communication when working with someone of a different style, and place value on team members who work differently.
Hear from April herself as she shares more about these sessions:
Join us and your peers and lead the way to Hilton Head at CBA's 41st Annual Leadership Division Convention & Mini-Trade Show, Thursday- Sunday, June 6-9, 2019 at the Omni Hilton Head Oceanfront Resort, Hilton Head Island, SC. Learn more and register.

Uniform Mortgage-Backed Securities (UMBS): Navigating the Transition
FREE Webinar from CBA Endorsed Member Company The Baker Group
TOMORROW: Thursday, May 9, 2019 | 12:00 pm - 1:00 pm ET
The Baker Group is hosting a complimentary webinar on Uniform Mortgage-Backed Securities (UMBS).
General topics will include:
FREE Webinar from CBA Endorsed Member Company The Baker Group
TOMORROW: Thursday, May 9, 2019 | 12:00 pm - 1:00 pm ET
The Baker Group is hosting a complimentary webinar on Uniform Mortgage-Backed Securities (UMBS).
General topics will include:
- What Are UMBS and How Will They Impact Your Portfolio?
- Description of the Exchange Process and How to Complete an Exchange Through The Baker Group
- How Baker Bond Accounting® (BBA) Will Account for Exchanges
- Should You Exchange FHLMC MBS for UMBS? A Guide to Making an Informed Decision

USDA Accepting Applications for Organic Certification Costs
The USDA’s Farm Service Agency said organic producers and handlers can begin applying for federal funds to help with the cost of receiving and maintaining organic certification. Organic Certification Cost Share Program applications for fiscal 2019 funding are due October 31, 2019. Read more from the USDA.
The USDA’s Farm Service Agency said organic producers and handlers can begin applying for federal funds to help with the cost of receiving and maintaining organic certification. Organic Certification Cost Share Program applications for fiscal 2019 funding are due October 31, 2019. Read more from the USDA.

ICBA Toolkit Offers Resources to Celebrate Small Business Week
Join the celebration of America’s 30 million small businesses during National Small Business Week, May 5-11, and share how your bank helps create an environment for these companies to flourish. ICBA’s “Tell Your Story Toolkit” includes a customizable release noting community banks’ status as preferred small business lenders, which is part of a digital repository of customizable resources available exclusively to ICBA members. The Small Business Administration also has resources to mark the week-long event on its website. Access the toolkit. View SBA Resources.
Join the celebration of America’s 30 million small businesses during National Small Business Week, May 5-11, and share how your bank helps create an environment for these companies to flourish. ICBA’s “Tell Your Story Toolkit” includes a customizable release noting community banks’ status as preferred small business lenders, which is part of a digital repository of customizable resources available exclusively to ICBA members. The Small Business Administration also has resources to mark the week-long event on its website. Access the toolkit. View SBA Resources.

Protect Seniors from Financial Abuse
The FDIC has recently issued tips on how consumers can protect themselves and their families from financial abuse. According to the FDIC, advances in technology have made fraud and financial abuse a prevalent problem for older adults, involving scams, forgery, identity theft, or undue pressure to give someone access to property or funds by simply providing information over the phone. Seniors can protect themselves from financial abuse by making sure financial records are organized and being aware of how much money is in all accounts. In addition, consumers can protect their assets by talking to their bank, an attorney, or a financial advisor to discuss options for ensuring their wishes for managing their money and property are followed in the event they become incapacitated. Read more from the FDIC.
The FDIC has recently issued tips on how consumers can protect themselves and their families from financial abuse. According to the FDIC, advances in technology have made fraud and financial abuse a prevalent problem for older adults, involving scams, forgery, identity theft, or undue pressure to give someone access to property or funds by simply providing information over the phone. Seniors can protect themselves from financial abuse by making sure financial records are organized and being aware of how much money is in all accounts. In addition, consumers can protect their assets by talking to their bank, an attorney, or a financial advisor to discuss options for ensuring their wishes for managing their money and property are followed in the event they become incapacitated. Read more from the FDIC.

Improving a Bank’s Efficiency Ratio with Insurance
The costs of operating a bank can be overwhelming after considering all the reasonable costs incurred with the administration of managing the flow of money for customers. When looking through the lens of an accountant, walking into a local branch can be eye opening. Overhead expenses can be seen all around – employee compensation and benefits, network and security costs, and even a cost associated with depository slips. Keeping costs relatively low and generating increased revenues is the endgame for measuring profitability, which is why the efficiency ratio is a key indicator of a bank’s performance. Achieving a lower efficiency ratio can be accomplished by pulling many different levers, including insurance. If properly executed, insurance programs can be a key lever to increase the revenue while maintaining a flat expense line. Read the full article. Guest article from CBA Associate Member Franklin Madison.
The costs of operating a bank can be overwhelming after considering all the reasonable costs incurred with the administration of managing the flow of money for customers. When looking through the lens of an accountant, walking into a local branch can be eye opening. Overhead expenses can be seen all around – employee compensation and benefits, network and security costs, and even a cost associated with depository slips. Keeping costs relatively low and generating increased revenues is the endgame for measuring profitability, which is why the efficiency ratio is a key indicator of a bank’s performance. Achieving a lower efficiency ratio can be accomplished by pulling many different levers, including insurance. If properly executed, insurance programs can be a key lever to increase the revenue while maintaining a flat expense line. Read the full article. Guest article from CBA Associate Member Franklin Madison.

United National Bank Donates to Grady General Hospital
As part of the Georgia HEART rural hospital tax credit program, United National Bank, Cairo, has donated $50,000 to Grady General Hospital. Georgia HEART helps rural and critical access hospitals increase their ability to provide for the health care needs of thousands of Georgians.
As part of the Georgia HEART rural hospital tax credit program, United National Bank, Cairo, has donated $50,000 to Grady General Hospital. Georgia HEART helps rural and critical access hospitals increase their ability to provide for the health care needs of thousands of Georgians.

Ameris Bank Adopts Roadway & Raises Funds for American Cancer Society
Ameris Bank, Moultrie, recently partnered with the Moultrie Chamber of Commerce to adopt and clean 3 miles of roadway as a part of the Keeping Colquitt County Beautiful initiative.
In addition, the bank recently raised $7,193.61 for the American Cancer Society at a recent Relay for Life event in Cherokee County.
Ameris Bank, Moultrie, recently partnered with the Moultrie Chamber of Commerce to adopt and clean 3 miles of roadway as a part of the Keeping Colquitt County Beautiful initiative.
In addition, the bank recently raised $7,193.61 for the American Cancer Society at a recent Relay for Life event in Cherokee County.

PrimeSouth Bank Tours First Graders from Frederica Academy
PrimeSouth Bank, Brunswick, recently hosted first graders from Frederica Academy by touring around their downtown branch. The students visited the vault, drive-thru tunnels, and teller line tools.
PrimeSouth Bank, Brunswick, recently hosted first graders from Frederica Academy by touring around their downtown branch. The students visited the vault, drive-thru tunnels, and teller line tools.
Arne Monson is President and Co-founder of Holtmeyer & Monson, which provides banks with comprehensive, out-of-house services and the high level of expertise required for SBA/USDA lending. They help community banks offer small businesses access to capital while benefiting from a profitable source of non-interest fee income. Holtmeyer & Monson covers every stage of the process – from loan packaging and closing, to securitization and sale, through portfolio servicing. Based on its full-service capabilities and credibility, community banks can be confident that their government-guaranteed lending credits will be handled expertly, efficiently and with the highest levels of safety and soundness.
For more info, contact Arne at 800-340-7304 or amonson@holtandmon.com, or visit www.holtandmon.com.
For more info, contact Arne at 800-340-7304 or amonson@holtandmon.com, or visit www.holtandmon.com.

The CBA has been recognized on a national level for its invaluable educational programs and corporate events. The CBA has a variety of options for all positions in a community bank…from the teller line to the board room. We invite you to join us for one of the upcoming programs. For more options, click here for the CBA Calendar. For assistance with Education Programs, contact Kristi Greer. For assistance with Corporate Events, contact Peake Wilson.
May & June 2019
2nd Quarter Compliance Program – ACH Processing & Compliance
Remaining Dates:
Thursday, May 9 – Macon
Tuesday, May 21 – Duluth
Wednesday, May 22 - Rome
4th Annual Senior Retail Banking Officer Forum – Session II
Wednesday, May 15 - Atlanta
2019 Branch Management Series – Session II: Leading, Developing & Engaging The Team
Thursday, May 16 - Atlanta
Compliance Roundtable - South Georgia
Thursday, May 16 - Tifton
Bank Security & Workplace Violence Conference
Thursday-Friday, June 13-14 – Lake Lanier
Compliance Officer Bootcamp
Tuesday-Friday, June 18-21 - Braselton
Universal Banker
Tuesday-Wednesday, June 25-26 - Macon
2019 Branch Management Series – Session III: Growing the Retail Branch
Thursday, June 27 - Atlanta
Ongoing Webinars & Online Training
Webinars
Click here to view webinar listing and to register.
On-Line Training
Click here for on-line training with OnCourse Learning.
(OnCourse Learning is a CBA Endorsed Member Company)
2nd Quarter Compliance Program – ACH Processing & Compliance
Remaining Dates:
Thursday, May 9 – Macon
Tuesday, May 21 – Duluth
Wednesday, May 22 - Rome
4th Annual Senior Retail Banking Officer Forum – Session II
Wednesday, May 15 - Atlanta
2019 Branch Management Series – Session II: Leading, Developing & Engaging The Team
Thursday, May 16 - Atlanta
Compliance Roundtable - South Georgia
Thursday, May 16 - Tifton
Bank Security & Workplace Violence Conference
Thursday-Friday, June 13-14 – Lake Lanier
Compliance Officer Bootcamp
Tuesday-Friday, June 18-21 - Braselton
Universal Banker
Tuesday-Wednesday, June 25-26 - Macon
2019 Branch Management Series – Session III: Growing the Retail Branch
Thursday, June 27 - Atlanta
Ongoing Webinars & Online Training
Webinars
Click here to view webinar listing and to register.
On-Line Training
Click here for on-line training with OnCourse Learning.
(OnCourse Learning is a CBA Endorsed Member Company)
May & June 2019
Community Bank Leadership Academy – Session II
Tuesday-Wednesday, May 14-15 - Macon
41st Annual Leadership Division Convention & Mini-Trade Show
Thursday-Sunday, June 6-9 – Hilton Head Island, SC
Community Bank Leadership Academy – Session II
Tuesday-Wednesday, May 14-15 - Macon
41st Annual Leadership Division Convention & Mini-Trade Show
Thursday-Sunday, June 6-9 – Hilton Head Island, SC
Upcoming Events
2019 Compliance Program II: ACH Processing & Compliance
Macon - May 9
Duluth - May 21
Rome - May 22
41st Annual Leadership Division Convention & Mini-Trade Show
Thursday-Sunday, June 6-9 - Hilton Head Island, SC
Bank Security & Workplace Violence Conference
Thursday-Friday, June 13-14 - Lake Lanier Islands
Compliance Officer Boot Camp
Tuesday-Friday, June 18-21 - Braselton
2019 Compliance Program II: ACH Processing & Compliance
Macon - May 9
Duluth - May 21
Rome - May 22
41st Annual Leadership Division Convention & Mini-Trade Show
Thursday-Sunday, June 6-9 - Hilton Head Island, SC
Bank Security & Workplace Violence Conference
Thursday-Friday, June 13-14 - Lake Lanier Islands
Compliance Officer Boot Camp
Tuesday-Friday, June 18-21 - Braselton
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