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Industry Representation
Legislative Updates
Member Services
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Schools
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Banker Regulatory Forums
Compliance
Superior
Products,
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Bank Supplies/Equipment
Registration is open for CBA's 51st Annual Convention & Mini-Trade Show, being held September 12-15, at The Ritz-Carlton at Amelia Island, FL. We’ve lined up dynamic speakers to cover a wide variety of topics with you in mind. Additionally, we’ve added informative Concurrent Sessions for your training needs. General Session and Concurrent Session topics include the following: SB 157, Liquidity Management, CEO & Executive Succession Planning, BOLI, Innovation & Fintech, Economic & Banking Trends in Georgia, Human Resources, and more! For more, click here to see the convention agenda.
Hear from the industry experts at CBA's 51st Annual Convention & Mini-Trade Show, Thursday-Sunday, September 12-15, 2019, at The Ritz-Carlton at Amelia Island, FL. Learn more and register.
Room Block is Open!
For single/double occupancy – Coastal View, $259 per night plus state and local taxes at the time of check-in (currently 12%). Valet parking for the group has been reduced to $20 per vehicle, per night. The resort activity package for our group has been reduced to $17 per night and has many inclusions. Contact Peake Wilson at the CBA for more information. The group rate is available for up to 3 days prior and 3 days after event. The deadline to receive the discounted rate is Monday, August 12, 2019, or when the block is full. For reservations, call the Group Desk toll free at (866) 763-2960 and reference “2019 Annual Convention & Trade Show Community Bankers” to receive the discounted rate.
For single/double occupancy – Coastal View, $259 per night plus state and local taxes at the time of check-in (currently 12%). Valet parking for the group has been reduced to $20 per vehicle, per night. The resort activity package for our group has been reduced to $17 per night and has many inclusions. Contact Peake Wilson at the CBA for more information. The group rate is available for up to 3 days prior and 3 days after event. The deadline to receive the discounted rate is Monday, August 12, 2019, or when the block is full. For reservations, call the Group Desk toll free at (866) 763-2960 and reference “2019 Annual Convention & Trade Show Community Bankers” to receive the discounted rate.
CBA Offers Free Salary Survey for Member Banks!
CBA is pleased to partner with Associate Member Pentegra to offer the 2019 Georgia Community Bank Salary Survey. The Salary Survey is a compilation of current salaries and general benefits for common positions within Georgia's community banks. The survey can be a vital tool when determining competitive pay and benefits for employee recruitment and retention.
All CBA member banks are invited to participate in the survey, and those participating will receive a complimentary copy of the survey report. Non-participating member banks are able to purchase the survey for $275 and the non-member cost is $475. The survey is simple and easy to use. Please complete the survey no later than August 1, 2019.
The survey includes an executive summary as well as information on salary, bonus or additional compensation, qualified plans and additional benefits. Banks will be also be categorized by asset size as well as Metro-Atlanta and non-Metro Atlanta. Survey results are anticipated to be available September 1, 2019. Click here to take the survey.
CBA is pleased to partner with Associate Member Pentegra to offer the 2019 Georgia Community Bank Salary Survey. The Salary Survey is a compilation of current salaries and general benefits for common positions within Georgia's community banks. The survey can be a vital tool when determining competitive pay and benefits for employee recruitment and retention.
All CBA member banks are invited to participate in the survey, and those participating will receive a complimentary copy of the survey report. Non-participating member banks are able to purchase the survey for $275 and the non-member cost is $475. The survey is simple and easy to use. Please complete the survey no later than August 1, 2019.
The survey includes an executive summary as well as information on salary, bonus or additional compensation, qualified plans and additional benefits. Banks will be also be categorized by asset size as well as Metro-Atlanta and non-Metro Atlanta. Survey results are anticipated to be available September 1, 2019. Click here to take the survey.
FDIC Finalizes Capital Simplification for Community Banks
The FDIC board has approved a simpler risk-based capital rule for community banks that hold mortgage-servicing assets, deferred-tax assets, and insignificant investments in the capital of unconsolidated financial institutions, such as trust-preferred securities.
Under the new rule taking effect April 1, 2020, community banks will only have to deduct from their capital MSAs, temporary difference DTAs, and investments in the capital of unconsolidated financial institutions like TruPS if they individually exceed 25 percent of the bank's common equity tier 1 capital. The OCC and Fed are expected to quickly approve the final rule, which is nearly identical to what was originally proposed. This rule is different from the proposed Community Bank Leverage Ratio, which is expected to be approved later this year and would allow certain community banks to opt in to a new, simpler capital framework provided they meet the required CBLR. Read the final rule.
The FDIC board has approved a simpler risk-based capital rule for community banks that hold mortgage-servicing assets, deferred-tax assets, and insignificant investments in the capital of unconsolidated financial institutions, such as trust-preferred securities.
Under the new rule taking effect April 1, 2020, community banks will only have to deduct from their capital MSAs, temporary difference DTAs, and investments in the capital of unconsolidated financial institutions like TruPS if they individually exceed 25 percent of the bank's common equity tier 1 capital. The OCC and Fed are expected to quickly approve the final rule, which is nearly identical to what was originally proposed. This rule is different from the proposed Community Bank Leverage Ratio, which is expected to be approved later this year and would allow certain community banks to opt in to a new, simpler capital framework provided they meet the required CBLR. Read the final rule.
Agencies Issue Final Call Report Rule
The three federal bank regulatory agencies adopted a final rule to streamline regulatory reporting requirements for small institutions. The final rule implements Section 205 of the Economic Growth, Regulatory Relief, and Consumer Protection Act and is one step in the agencies’ efforts to meaningfully streamline reporting requirements. The agencies are committed to actively exploring additional revisions to Call Reports that would further reduce reporting requirement burdens. Read more from the OCC.
The three federal bank regulatory agencies adopted a final rule to streamline regulatory reporting requirements for small institutions. The final rule implements Section 205 of the Economic Growth, Regulatory Relief, and Consumer Protection Act and is one step in the agencies’ efforts to meaningfully streamline reporting requirements. The agencies are committed to actively exploring additional revisions to Call Reports that would further reduce reporting requirement burdens. Read more from the OCC.
FDIC Warns of Unaffiliated Website
The FDIC has cautioned bank customers about FDIConnect.com, an unaffiliated website that advertises itself as a consumer-focused provider of FDIC pass-through insurance for bank deposits. The website is not affiliated with the FDIC, which operates FDICconnect.gov to connect the agency with financial institutions. Read more from the FDIC.
The FDIC has cautioned bank customers about FDIConnect.com, an unaffiliated website that advertises itself as a consumer-focused provider of FDIC pass-through insurance for bank deposits. The website is not affiliated with the FDIC, which operates FDICconnect.gov to connect the agency with financial institutions. Read more from the FDIC.
Blog: Winning the Innovation-Regulation Tug-of-War
Community bankers often struggle between pushing for innovation to improve efficiency or pulling back due to strict regulatory oversight, ICBA Services Network Chief Operating Officer Kevin Tweddle writes in a new blog post. Fortunately, the winds may be shifting as policymakers increasingly work to streamline the regulatory environment to foster innovation, Tweddle writes in Main Street Matters. “We want to ensure that as community banks adopt new technologies, the lens through which they will be evaluated will be consistent with that of larger banks and non-bank providers,” Tweddle writes. Read the blog post.
Hear more from Kevin on his presentation "How Innovation & Fintech Will Shape the Future of Banking" at CBA's 51st Annual Convention & Mini-Trade Show. Learn more and register.
Community bankers often struggle between pushing for innovation to improve efficiency or pulling back due to strict regulatory oversight, ICBA Services Network Chief Operating Officer Kevin Tweddle writes in a new blog post. Fortunately, the winds may be shifting as policymakers increasingly work to streamline the regulatory environment to foster innovation, Tweddle writes in Main Street Matters. “We want to ensure that as community banks adopt new technologies, the lens through which they will be evaluated will be consistent with that of larger banks and non-bank providers,” Tweddle writes. Read the blog post.
Hear more from Kevin on his presentation "How Innovation & Fintech Will Shape the Future of Banking" at CBA's 51st Annual Convention & Mini-Trade Show. Learn more and register.
Agencies Update CRA Community List
Federal regulators issued the 2019 list of distressed or underserved nonmetropolitan middle-income geographies, where revitalization or stabilization activities are eligible to receive Community Reinvestment Act consideration under the "community development" definition. As with past releases, the agencies apply a one-year lag period for geographies that were listed in 2018 but are no longer designated as distressed or underserved in the current release. Read more from the agencies.
Federal regulators issued the 2019 list of distressed or underserved nonmetropolitan middle-income geographies, where revitalization or stabilization activities are eligible to receive Community Reinvestment Act consideration under the "community development" definition. As with past releases, the agencies apply a one-year lag period for geographies that were listed in 2018 but are no longer designated as distressed or underserved in the current release. Read more from the agencies.
FDIC Issues New Publication on Consumer Compliance Supervision
The FDIC launched a new publication to improve transparency on the agency’s consumer compliance supervisory activities. The new Consumer Compliance Supervisory Highlights includes a high-level overview of consumer compliance issues identified during 2018 through the FDIC’s supervision of state non-member banks and thrifts. Access the publication.
The FDIC launched a new publication to improve transparency on the agency’s consumer compliance supervisory activities. The new Consumer Compliance Supervisory Highlights includes a high-level overview of consumer compliance issues identified during 2018 through the FDIC’s supervision of state non-member banks and thrifts. Access the publication.
Best Practices for Model Risk Management
Model validations are a vital component of monitoring an institution’s BSA/AML risk. However, many institutions don’t know what a model is or when an independent third-party validation is required. For BSA software, the question of what constitutes a model can be a bit gray.
Over the past two years, model risk management is one of the most commonly cited areas of regulatory AML criticism, particularly in the area of transaction monitoring and higher risk customer due diligence. If suspicious activity monitoring is the cornerstone of a strong BSA program, it must start with a strong model with reliable data and outputs. Read the full article. Guest article from CBA Associate Member Abrigo.
Model validations are a vital component of monitoring an institution’s BSA/AML risk. However, many institutions don’t know what a model is or when an independent third-party validation is required. For BSA software, the question of what constitutes a model can be a bit gray.
Over the past two years, model risk management is one of the most commonly cited areas of regulatory AML criticism, particularly in the area of transaction monitoring and higher risk customer due diligence. If suspicious activity monitoring is the cornerstone of a strong BSA program, it must start with a strong model with reliable data and outputs. Read the full article. Guest article from CBA Associate Member Abrigo.
Need an Extra Copy of CBA's 2019 Georgia Financial Directory?
Attention CBA Members: All CBA members should have received their complimentary copy of the 2019 Georgia Financial Directory.
Need an extra copy for multiple locations or for calling officers? Additional books for members are $45 each. To order, simply complete the online form. The directory is your complete resource within the Georgia financial industry and contains information on banks, holding companies, banking products and services, and more. All CBA members receive a free copy.
Special thanks to our advertisers: Ameriprise Financial Services, Inc.; Bahr Consultants, Inc.; CBIZ; Dabbs, Hickman, Hill & Cannon, LLP; DeNyse Companies; FITECH; Independent Community Bankers of America (ICBA); Intercept Consulting Group, Inc.; PrismPremier; Staples; Stokes Carmichael & Ernst LLP; QwickRate; The Baker Group; Warren Averett.
Attention CBA Members: All CBA members should have received their complimentary copy of the 2019 Georgia Financial Directory.
Need an extra copy for multiple locations or for calling officers? Additional books for members are $45 each. To order, simply complete the online form. The directory is your complete resource within the Georgia financial industry and contains information on banks, holding companies, banking products and services, and more. All CBA members receive a free copy.
Special thanks to our advertisers: Ameriprise Financial Services, Inc.; Bahr Consultants, Inc.; CBIZ; Dabbs, Hickman, Hill & Cannon, LLP; DeNyse Companies; FITECH; Independent Community Bankers of America (ICBA); Intercept Consulting Group, Inc.; PrismPremier; Staples; Stokes Carmichael & Ernst LLP; QwickRate; The Baker Group; Warren Averett.
FY2020 State Fiscal Conference
Truth and Integrity in State Budgeting: Looming Risks, Durable Solutions
Wednesday-Thursday, July 10–11, 2019 | Federal Reserve Bank of Atlanta
Join legislators, finance specialists, budget officials, investors, academics, and experts from the Volcker Alliance and the Federal Reserve Bank of Atlanta to discuss solutions to critical state budgeting challenges. Building on the grades, conclusions, and best practices contained in the Volcker Alliance’s 2018 report Truth and Integrity in State Budgeting: Preventing the Next Fiscal Crisis, this conference will be the fourth in a series of such conferences with regional Federal Reserve Banks. Admission to this event is free, but space is limited. The event will also be livestreamed. Contact events@volckeralliance.org for any questions.
Truth and Integrity in State Budgeting: Looming Risks, Durable Solutions
Wednesday-Thursday, July 10–11, 2019 | Federal Reserve Bank of Atlanta
Join legislators, finance specialists, budget officials, investors, academics, and experts from the Volcker Alliance and the Federal Reserve Bank of Atlanta to discuss solutions to critical state budgeting challenges. Building on the grades, conclusions, and best practices contained in the Volcker Alliance’s 2018 report Truth and Integrity in State Budgeting: Preventing the Next Fiscal Crisis, this conference will be the fourth in a series of such conferences with regional Federal Reserve Banks. Admission to this event is free, but space is limited. The event will also be livestreamed. Contact events@volckeralliance.org for any questions.
Executive Total Compensation
Strategies to Motivate and Incent the Right Behaviors
FREE Webinar from CBA Associate Member Blanchard Consulting Group
Tuesday, August 13, 2019 | 1:00-2:00 pm
Presented by Blanchard Consulting Group, this webinar will focus on the primary elements of the executive total compensation package and how these elements can be utilized to motivate and incentivize members of the senior leadership team to effectively achieve the Bank’s strategic goals. Blanchard Consulting Group will examine the current compensation environment and trends in the use of short-term and long-term incentive plans, as well as executive benefits and perquisites that are commonly found in community and regional banks. They will incorporate applicable regulatory guidelines and updates, and discuss how to avoid “excessive risk-taking” while still attracting, motivating, and incenting the Bank’s leaders. To register, please email Mike Blanchard at mike@blanchardc.com.
Strategies to Motivate and Incent the Right Behaviors
FREE Webinar from CBA Associate Member Blanchard Consulting Group
Tuesday, August 13, 2019 | 1:00-2:00 pm
Presented by Blanchard Consulting Group, this webinar will focus on the primary elements of the executive total compensation package and how these elements can be utilized to motivate and incentivize members of the senior leadership team to effectively achieve the Bank’s strategic goals. Blanchard Consulting Group will examine the current compensation environment and trends in the use of short-term and long-term incentive plans, as well as executive benefits and perquisites that are commonly found in community and regional banks. They will incorporate applicable regulatory guidelines and updates, and discuss how to avoid “excessive risk-taking” while still attracting, motivating, and incenting the Bank’s leaders. To register, please email Mike Blanchard at mike@blanchardc.com.
Flint Community Bank Raises Over $45,000 for CHOA and Malachi Russell Family
Through the generous support of the sponsors, runners and participants in the 2019 Saved by the Bell 5K benefiting the Children’s Hospital of Atlanta and the Malachi Russell family, Flint Community Bank, Albany, was proud to present a check in the amount of $45,012.81. Michelle Bennett from Children’s Hospital of Atlanta and Malachi Russell along with his family were on hand to accept the check. The bank offers their continued prayers for Malachi and his family.
Through the generous support of the sponsors, runners and participants in the 2019 Saved by the Bell 5K benefiting the Children’s Hospital of Atlanta and the Malachi Russell family, Flint Community Bank, Albany, was proud to present a check in the amount of $45,012.81. Michelle Bennett from Children’s Hospital of Atlanta and Malachi Russell along with his family were on hand to accept the check. The bank offers their continued prayers for Malachi and his family.
Quantum National Bank makes donation to YMCA
Quantum National Bank, Suwanee, recently presented a $5,000 check to JM Tull YMCA. The funds will go towards after school programs in Gwinnett County.
Quantum National Bank, Suwanee, recently presented a $5,000 check to JM Tull YMCA. The funds will go towards after school programs in Gwinnett County.
Exchange Bank Recognizes World Elder Abuse Awareness Day
Exchange Bank, Milledgeville, dedicated time to honor the World Elder Abuse Awarness Day (WEAAD). WEAAD was launched by the International Network for the Prevention of Elder Abuse and the World Health Organization at the United Nations. The purpose of WEAAD is to provide an opportunity for communities around the world to promote a better understanding of abuse and neglect of older persons by raising awareness of the cultural, social, economic and demographic processes affecting elder abuse and neglect.
Exchange Bank, Milledgeville, dedicated time to honor the World Elder Abuse Awarness Day (WEAAD). WEAAD was launched by the International Network for the Prevention of Elder Abuse and the World Health Organization at the United Nations. The purpose of WEAAD is to provide an opportunity for communities around the world to promote a better understanding of abuse and neglect of older persons by raising awareness of the cultural, social, economic and demographic processes affecting elder abuse and neglect.
Citizens Bank of Laurens County in Industry Appreciation Tournament
The Citizens Bank of Laurens County, Dublin, recently attended the 44th annual Dublins-Laurens County Industry Appreciation Tournament, a golf tournament held at Dublin Country Club.
The Citizens Bank of Laurens County, Dublin, recently attended the 44th annual Dublins-Laurens County Industry Appreciation Tournament, a golf tournament held at Dublin Country Club.
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United Community Bank - Atlanta Scott Poole has joined the bank as Senior Vice President, Commercial Relationship Manager. |
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Oconee State Bank - Watkinsville Congratulations to Deesha Hagwood, Vice President, Marketing, for being appointed to the to the new Oconee County Board of Visitors and Tourism. |
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Oconee State Bank - Watkinsville Congratulations to Candace Meeler, Assistant Financial Center Manager, for being appointed to the to the new Oconee County Board of Visitors and Tourism. |
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Oconee State Bank - Watkinsville Congratulations to Sara Dunn, Vice President, Operations, for receiving the 2019 UGA CAES Young Alumni Achievement Award. |
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Oconee State Bank - Watkinsville Congratulations to Becky Soto, Internal Control Specialist AP, for being elected as the Georgia School Board Association Director of District 11, representing Oglethorpe, Oconee and Clarke Counties |
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Oconee State Bank - Watkinsville Congratulations to Trevor Booth, Assistant Vice President, Financial Center Manager, for recently graduating from Leadership Oconee. |
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Greater Community Bank - Rome Wendy Huckaby has been promoted to Vice President, Compliance Officer. |
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Greater Community Bank - Rome Paula Jasper has been promoted to Vice President, Retail Lending and Deposits. |
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Greater Community Bank - Rome Antwuan J. Hill has been joined the bank as a Credit Analyst. |
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The Citizens Bank of Cochran Congratulations to Matt Fordham, Vice President, for recently graduating from the LSU Graduate School of Banking. |
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Cornerstone Bank - Atlanta Kwame George has joined the bank as Assistant Vice President and Branch Manager of the Buckhead office. |
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Cornerstone Bank - Decatur Joel Higdon has joined the bank as Assistant Branch Manager. |
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Adams, Hemingway, Wilson & Rutledge - Macon John Sillay has joined the firm as an Associate. |
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Lender Select Mortgage - Statesboro Sherri Hinson has joined as an Account Executive. |
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Bank Supplies/Equipment
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Chris Nelson is Vice President of STS Group. STS Group understands customer service is top priority. With focus on service, STS Group has experienced tremendous growth, becoming the Southeast region's strongest provider of financial security, ATMs, and branch automation equipment. With their support and participation with CBA, their reputation of outstanding service continues to spread throughout the southeast. For more information, please contact Chris at cnelson@stsgrp.com or 205-567-3613, or visit www.stsgrp.com.
The CBA offers a variety of professional development options for all positions in a community bank. Scroll to find a program that meets your needs, contact us to discuss your goals, or you can look through our online calendar for more options. A member of our Professional Development team can be reached at (770) 541-4490 or by email at education@cbaofga.com. CPE (Continuing Professional Education) credits are available upon your successful completion of our nationally recognized, invaluable education opportunities.
Summer 2019
Universal Banker
Tuesday-Wednesday, June 25-26 - Macon
2019 Branch Management Series – Session III: Growing the Retail Branch
Thursday, June 27 - Atlanta
Bank Directors' College
Wednesday, July 17 – Lake Oconee, Greensboro
Community Bank Leadership Academy, Session III
Tuesday-Wednesday, July 23-24 – Macon
Writing An Effective Credit Memo
Wednesday-Thursday, July 24-25 - Macon
Senior Retail Banking Officer Forum, Session III (“R.A.P.” Session)
Thursday, August 1 - Atlanta
3rd Quarter Banker Regulatory Forum – Safety & Soundness (“R.A.P.” Session)
Thursday, August 1 - Macon
Compliance/BSA Roundtable - (“R.A.P.” Session)
Monday, August 5 – St. Simons Island
12th Annual Advanced BSA Officer School
Tuesday–Friday, August 6-9 – St. Simons Island
Consumer & Commercial Loan Documentation Bootcamp
Tuesday–Wednesday, August 6-7 - Macon
Advanced Commercial Lending School
Tuesday-Friday, August 20-23 - Macon
Cyber Risk Summit
Thursday-Friday, August 22-23 - Savannah
Ongoing Webinars
Webinars
Click here to view webinar listing and to register.
Universal Banker
Tuesday-Wednesday, June 25-26 - Macon
2019 Branch Management Series – Session III: Growing the Retail Branch
Thursday, June 27 - Atlanta
Bank Directors' College
Wednesday, July 17 – Lake Oconee, Greensboro
Community Bank Leadership Academy, Session III
Tuesday-Wednesday, July 23-24 – Macon
Writing An Effective Credit Memo
Wednesday-Thursday, July 24-25 - Macon
Senior Retail Banking Officer Forum, Session III (“R.A.P.” Session)
Thursday, August 1 - Atlanta
3rd Quarter Banker Regulatory Forum – Safety & Soundness (“R.A.P.” Session)
Thursday, August 1 - Macon
Compliance/BSA Roundtable - (“R.A.P.” Session)
Monday, August 5 – St. Simons Island
12th Annual Advanced BSA Officer School
Tuesday–Friday, August 6-9 – St. Simons Island
Consumer & Commercial Loan Documentation Bootcamp
Tuesday–Wednesday, August 6-7 - Macon
Advanced Commercial Lending School
Tuesday-Friday, August 20-23 - Macon
Cyber Risk Summit
Thursday-Friday, August 22-23 - Savannah
Ongoing Webinars
Webinars
Click here to view webinar listing and to register.
Upcoming Events
Universal Banker
Tuesday-Wednesday, June 25-26 - Macon
2019 Branch Management Series - Session III: Growing the Retail Branch
Thursday, June 27 - Atlanta
2019 Bank Directors' College
Wednesday, July 17 - Lake Oconee
Writing an Effective Credit Memo
Wednesday, July 24 - Macon
12th Annual Advanced BSA Officer School
Tuesday-Friday, August 6-9 -
St. Simons Island
Universal Banker
Tuesday-Wednesday, June 25-26 - Macon
2019 Branch Management Series - Session III: Growing the Retail Branch
Thursday, June 27 - Atlanta
2019 Bank Directors' College
Wednesday, July 17 - Lake Oconee
Writing an Effective Credit Memo
Wednesday, July 24 - Macon
12th Annual Advanced BSA Officer School
Tuesday-Friday, August 6-9 -
St. Simons Island
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