
Saturday, September 14th, 8:35-9:35 am
Kevin Tweddle, Chief Operating Officer and Chief Innovation Officer, ICBA Services Network
This session will address how growing community banks are changing the way they do business to account for the digital transformation occurring in the banking industry today. We will discuss why community banks are looking to fintechs for assistance and the best practices for successful fintech partnerships. This session will focus on what the future of banking looks like and how emerging technologies will play a role in the bank going forward.
Kevin Tweddle, Chief Operating Officer and Chief Innovation Officer, ICBA Services Network
This session will address how growing community banks are changing the way they do business to account for the digital transformation occurring in the banking industry today. We will discuss why community banks are looking to fintechs for assistance and the best practices for successful fintech partnerships. This session will focus on what the future of banking looks like and how emerging technologies will play a role in the bank going forward.

ICBA Report
Saturday, September 14th 9:50 - 10:15 am
Robert M. Fisher, Vice Chairman, ICBA; Chairman, President and CEO of Tioga State Bank in Spencer, NY
Learn about ICBA’s efforts in Washington and the impact they have on the community banking industry.
Saturday, September 14th 9:50 - 10:15 am
Robert M. Fisher, Vice Chairman, ICBA; Chairman, President and CEO of Tioga State Bank in Spencer, NY
Learn about ICBA’s efforts in Washington and the impact they have on the community banking industry.
BOLI: The Most Misunderstood Revenue Generator
Hear from John Gianacaci, Southeast Regional Managing Director, BFS Group, at Saturday's Dawn Breakers' Session. Join the discussion about the key elements that makes Bank Owned Life Insurance (BOLI) a great alternative earning asset for banks and the misconception that BOLI needs to be linked to top executive benefit plans. Hear more from John himself:
Hear from John Gianacaci, Southeast Regional Managing Director, BFS Group, at Saturday's Dawn Breakers' Session. Join the discussion about the key elements that makes Bank Owned Life Insurance (BOLI) a great alternative earning asset for banks and the misconception that BOLI needs to be linked to top executive benefit plans. Hear more from John himself:

Celebrate a Lifetime of Service
Deadline to Submit Honorees for the Convention is this Friday, August 2nd!
CBA is proud to honor bankers who have reached a significant milestone in the banking industry with the Lifetime Service Awards. CBA pays tribute to bankers reaching a milestone of 30, 40 or 50 years in the community banking industry. The presentation will be made during the 51st Annual Convention & Mini-Trade Show. The 2019 deadline to submit honorees is Friday, August 2, 2019.
As part of the recognition, honorees receive a commemorative plaque, and CBA will feature the honorees in various CBA publications, as well as provide a Press Release. Honorees with 50 or more years of service also receive a customized gold and diamond lapel pin. If you or someone in your bank is celebrating 30, 40 or 50 years of service as a banker during this calendar year, please click here to submit an honoree, or contact Jeremy Thomens or (770) 541-0380.
Deadline to Submit Honorees for the Convention is this Friday, August 2nd!
CBA is proud to honor bankers who have reached a significant milestone in the banking industry with the Lifetime Service Awards. CBA pays tribute to bankers reaching a milestone of 30, 40 or 50 years in the community banking industry. The presentation will be made during the 51st Annual Convention & Mini-Trade Show. The 2019 deadline to submit honorees is Friday, August 2, 2019.
As part of the recognition, honorees receive a commemorative plaque, and CBA will feature the honorees in various CBA publications, as well as provide a Press Release. Honorees with 50 or more years of service also receive a customized gold and diamond lapel pin. If you or someone in your bank is celebrating 30, 40 or 50 years of service as a banker during this calendar year, please click here to submit an honoree, or contact Jeremy Thomens or (770) 541-0380.
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.

FDIC v. Loudermilk, et. al.: Breaking Down the New United States Court of Appeals 11th Circuit Court Opinion
On July 22, 2019, the United States Court of Appeals for the Eleventh Circuit issued an opinion in FDIC v. Loudermilk, et. al., the FDIC’s case against former directors and officers of The Buckhead Community Bank (“BCB”). The Eleventh Circuit Court of Appeals opinion takes up the question the Georgia Supreme Court left unanswered in their recent March 2019 opinion, which is: whether the FDIC actually proved joint and several liability in the original case. The 11th Circuit Court concluded that the FDIC did prove joint and several liability because the way in which the Board of Directors of BCB made their decisions would have made it impossible for a jury to apportion or divide specific percentages of fault to the various directors. This particular opinion is groundbreaking because the Court concluded that the quorum-approval policy of BCB allowed committee members to act as agents for each other and effectively speak for absent members. As such, the Court concluded that a quorum’s decision may impute liability to absent and abstaining committee members in the event liability is found for a decision rendered by that quorum. This new opinion, and the other opinions stemming out of the Loudermilk litigation, are important to understand so that bank directors and officers know how to best situate themselves to defend against potential claims and liability. To learn more, click here. Guest article from CBA General Counsel and Associate Member James-Bates-Brannan-Groover-LLP.
On July 22, 2019, the United States Court of Appeals for the Eleventh Circuit issued an opinion in FDIC v. Loudermilk, et. al., the FDIC’s case against former directors and officers of The Buckhead Community Bank (“BCB”). The Eleventh Circuit Court of Appeals opinion takes up the question the Georgia Supreme Court left unanswered in their recent March 2019 opinion, which is: whether the FDIC actually proved joint and several liability in the original case. The 11th Circuit Court concluded that the FDIC did prove joint and several liability because the way in which the Board of Directors of BCB made their decisions would have made it impossible for a jury to apportion or divide specific percentages of fault to the various directors. This particular opinion is groundbreaking because the Court concluded that the quorum-approval policy of BCB allowed committee members to act as agents for each other and effectively speak for absent members. As such, the Court concluded that a quorum’s decision may impute liability to absent and abstaining committee members in the event liability is found for a decision rendered by that quorum. This new opinion, and the other opinions stemming out of the Loudermilk litigation, are important to understand so that bank directors and officers know how to best situate themselves to defend against potential claims and liability. To learn more, click here. Guest article from CBA General Counsel and Associate Member James-Bates-Brannan-Groover-LLP.

A Brief and Simplistic Updated Look at the Outlook for Cotton
USDA’s August crop production and supply and demand estimates will be released in a couple of weeks. This will be the first production estimates of the 2019 crop year based on actual producer survey. For the 2019 US cotton crop, it is currently estimated at 22 million bales—3.6 million bales or 20% higher than last season. For exports, the USDA currently projects 17 million bales in exports for the 2019 crop marketing year. Under present circumstances, this seems a high and optimistic estimate. Read more.
USDA’s August crop production and supply and demand estimates will be released in a couple of weeks. This will be the first production estimates of the 2019 crop year based on actual producer survey. For the 2019 US cotton crop, it is currently estimated at 22 million bales—3.6 million bales or 20% higher than last season. For exports, the USDA currently projects 17 million bales in exports for the 2019 crop marketing year. Under present circumstances, this seems a high and optimistic estimate. Read more.

Take Advantage of CBA's Free Salary Survey
Deadline to Participate for Free Results is August 9th!
CBA is partnering with 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. 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 9, 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 in early September. Click here to take the survey.
Deadline to Participate for Free Results is August 9th!
CBA is partnering with 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. 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 9, 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 in early September. Click here to take the survey.

Order Your Extra Copy of CBA's 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 should have received their complimentary copy. Order here.
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 should have received their complimentary copy. Order here.

Ensure Security at Your Financial Institution
As manager of SHAZAM’s risk consulting business, Ben Hayden helps institutions of all sizes fortify their defenses, with both information and physical security programs. This may mean information technology audits, BSA and ACH audits, as well as network penetration testing, vulnerability assessments and social engineering. In this article, Ben notes recurring findings that many institutions share. These common findings relate to information technology audit programs, how institutions manage risk, security vulnerabilities, and more. Read the article. Guest article from CBA Endorsed Member Company SHAZAM.
Hear more from Ben at CBA’s Cyber Risk Summit, held Thursday-Friday, August 22-23, 2019 at The Westin Savannah Harbor Golf Resort & Spa. Learn more and register.
As manager of SHAZAM’s risk consulting business, Ben Hayden helps institutions of all sizes fortify their defenses, with both information and physical security programs. This may mean information technology audits, BSA and ACH audits, as well as network penetration testing, vulnerability assessments and social engineering. In this article, Ben notes recurring findings that many institutions share. These common findings relate to information technology audit programs, how institutions manage risk, security vulnerabilities, and more. Read the article. Guest article from CBA Endorsed Member Company SHAZAM.
Hear more from Ben at CBA’s Cyber Risk Summit, held Thursday-Friday, August 22-23, 2019 at The Westin Savannah Harbor Golf Resort & Spa. Learn more and register.

USDA Details Trade Support Package
The USDA has announced details of the $16 billion support package for farmers affected by international trade disputes. The assistance will be distributed via the USDA’s Market Facilitation, Food Purchase and Distribution, and Agricultural Trade Promotion programs. Signup for the MFP begins Monday and will run through Friday, December 6. Read more.
The USDA has announced details of the $16 billion support package for farmers affected by international trade disputes. The assistance will be distributed via the USDA’s Market Facilitation, Food Purchase and Distribution, and Agricultural Trade Promotion programs. Signup for the MFP begins Monday and will run through Friday, December 6. Read more.

Agencies Testify on Hemp Rulemaking
Federal agencies are working to quickly implement provisions of the 2018 farm bill authorizing the production of hemp, officials told the Senate Agriculture Committee. In a hearing on regulatory implementation, USDA Undersecretary Greg Ibach said agencies are reviewing an interim final rule with the goal of issuing regulations this fall to accommodate the 2020 crop year. View the hearing.
It’s not too late to join bankers at next week’s Advanced BSA School on St. Simons Island. Participants will receiving training and updates on Marijuana banking and Hemp.
Federal agencies are working to quickly implement provisions of the 2018 farm bill authorizing the production of hemp, officials told the Senate Agriculture Committee. In a hearing on regulatory implementation, USDA Undersecretary Greg Ibach said agencies are reviewing an interim final rule with the goal of issuing regulations this fall to accommodate the 2020 crop year. View the hearing.
It’s not too late to join bankers at next week’s Advanced BSA School on St. Simons Island. Participants will receiving training and updates on Marijuana banking and Hemp.

CFPB Letting ‘GSE Patch’ Expire
The Consumer Financial Protection Bureau said it plans to allow the expiration of a policy exempting Fannie Mae and Freddie Mac mortgage loans from the bureau’s Qualified Mortgage rule. The CFPB issued an advance notice of proposed rulemaking that says the “GSE Patch” will expire on schedule by January 10, 2021. Read more from the CFPB.
The Consumer Financial Protection Bureau said it plans to allow the expiration of a policy exempting Fannie Mae and Freddie Mac mortgage loans from the bureau’s Qualified Mortgage rule. The CFPB issued an advance notice of proposed rulemaking that says the “GSE Patch” will expire on schedule by January 10, 2021. Read more from the CFPB.

Thriving in a Rising Rate Environment
As the economy continues to rebound from the Great Recession and inflation rises with the recovery, U.S. financial institutions are watching interest rates. The FDIC has highlighted interest rate risk as a major concern, given low net interest margins and widespread mismatches between asset and funding maturities. After years of an uncompetitive rate environment that naturally steered consumers to insured deposit accounts over riskier market investments, financial institutions face steeper challenges with retaining their current deposit base as well as acquiring new deposit dollars. Read the white paper. For an infographic on staying competitive in any rate environment, click here. Guest article from CBA Endorsed Member Company Kasasa.
As the economy continues to rebound from the Great Recession and inflation rises with the recovery, U.S. financial institutions are watching interest rates. The FDIC has highlighted interest rate risk as a major concern, given low net interest margins and widespread mismatches between asset and funding maturities. After years of an uncompetitive rate environment that naturally steered consumers to insured deposit accounts over riskier market investments, financial institutions face steeper challenges with retaining their current deposit base as well as acquiring new deposit dollars. Read the white paper. For an infographic on staying competitive in any rate environment, click here. Guest article from CBA Endorsed Member Company Kasasa.

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 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 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.

FNBCC Awards Two Scholarships to Local Students
First National Bank of Coffee County, Douglas, is proud to announce the 2018-2019 First National Bank of Coffee County Junior Board of Directors (FNBCC JBOD) Member of the Year. Miss Caleisha Clemmons of Coffee High School was chosen for showing positive contributions to each meeting, overall dedication to the 2018-2019 board, and attendance to meetings and events. Her peers even voted her for the Chair position at the beginning of their time on the Board. She received a $1,000 scholarship from the bank. Caleisha is shown being presented her scholarship by Jessica Hudson, FNBCC Junior Board Advisor.
First National Bank of Coffee County, Douglas, is proud to announce the 2018-2019 First National Bank of Coffee County Junior Board of Directors (FNBCC JBOD) Member of the Year. Miss Caleisha Clemmons of Coffee High School was chosen for showing positive contributions to each meeting, overall dedication to the 2018-2019 board, and attendance to meetings and events. Her peers even voted her for the Chair position at the beginning of their time on the Board. She received a $1,000 scholarship from the bank. Caleisha is shown being presented her scholarship by Jessica Hudson, FNBCC Junior Board Advisor.

In addition, Bailey Adams was recently announced as the 2019-2020 recipient of the Edith Sheffield Memorial Scholarship. First National Bank of Coffee County provides an annual scholarship to South Georgia State College in memory of Edith Sheffield. The recipient is chosen annually by the SGSC Foundation based not only on academic performance but also on character. Bailey received the scholarship for 2018-2019 and was again chosen to receive the scholarship for the 2019-2020 school year as she begins the nursing program. Pictured with Bailey Adams is South Georgia State College, President Dr. Ingrid Thompson-Sellers, SGSC Foundation President, Mr. Tom Smith, Stephen Lewis and Dawn Bridges from First National Bank of Coffee County.

Oconee State Bank Nominated for Best of the Best Banking Award
Congratulations to Oconee State Bank, Watkinsville, for being voted to the top 3 finalists for the 2019 Best of the Best Banking award by readers of OnlineAthens. Last year the bank was the recipient of the Best of the Best Banking award from OnlineAthens. The winner will be announced on August 22, 2019. Read more.
Congratulations to Oconee State Bank, Watkinsville, for being voted to the top 3 finalists for the 2019 Best of the Best Banking award by readers of OnlineAthens. Last year the bank was the recipient of the Best of the Best Banking award from OnlineAthens. The winner will be announced on August 22, 2019. Read more.

United Community Banks, Inc. Reports Strong Second Quarter Results
United Community Banks, Inc. has announced its second quarter financial results, including solid year-over-year loan and deposit growth, improved operating efficiency and strong asset quality. With loan growth and continued balance sheet remixing opportunities, United also benefitted from net interest margin expansion during the quarter. In addition, United’s combination of revenue growth and expense management resulted in a 57.28% efficiency ratio, or 54.42% on an operating basis, which represented a new Company best. Read more.
United Community Banks, Inc. has announced its second quarter financial results, including solid year-over-year loan and deposit growth, improved operating efficiency and strong asset quality. With loan growth and continued balance sheet remixing opportunities, United also benefitted from net interest margin expansion during the quarter. In addition, United’s combination of revenue growth and expense management resulted in a 57.28% efficiency ratio, or 54.42% on an operating basis, which represented a new Company best. Read more.

PrimeSouth to Rollout Refreshed Brand
This Summer, PrimeSouth Bank, Waycross, is excited to introduce a refreshed look of their logo, color scheme, and new tagline “Find Your Prime” beginning with an installation of new signage in Blackshear, Georgia where the bank was founded in 1891. Following the Blackshear installation, signs will begin changing at all other PrimeSouth Bank locations. The estimated timeframe will span into the Fall, when the Bank’s logo implementation and color scheme is complete across all platforms. Read the press release.
This Summer, PrimeSouth Bank, Waycross, is excited to introduce a refreshed look of their logo, color scheme, and new tagline “Find Your Prime” beginning with an installation of new signage in Blackshear, Georgia where the bank was founded in 1891. Following the Blackshear installation, signs will begin changing at all other PrimeSouth Bank locations. The estimated timeframe will span into the Fall, when the Bank’s logo implementation and color scheme is complete across all platforms. Read the press release.
Hank Bahr is the President of Bahr Consultants, Inc., a “fee only” insurance and risk management consulting firm specializing in the analysis of insurance risks for community banks. Bahr Consultants is not an insurance agency, is not affiliated with any insurance companies, and sells no insurance products. By being free of insurance ties, Bahr Consultants is able to concentrate on providing its clients with truly objective counsel in analyzing insurance exposures from the bank’s point of view only.
For more information, please contact Hank Bahr at 1-800-694-6098; Hank@BahrConsultantsInc.com or visit www.BahrConsultantsInc.com.
For more information, please contact Hank Bahr at 1-800-694-6098; Hank@BahrConsultantsInc.com or visit www.BahrConsultantsInc.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, view a list of upcoming professional development programs by visiting our calendar of events, or view a list of events by functional area. A member of our Professional Development team can be reached at (770) 541-4490 or by email. CPE (Continuing Professional Education) credits are available upon your successful completion of our nationally recognized, invaluable education opportunities.
August - September 2019
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
Advanced BSA Officer School
Tuesday–Friday, August 6-9 – St. Simons Island
Consumer & Commercial Loan Documentation Boot Camp
Tuesday–Wednesday, August 6-7 - Macon
HR Roundtable (“R.A.P.” Session)
Thursday, August 15 - Macon
Advanced Commercial Lending School
Tuesday-Friday, August 20-23 - Macon
Cyber Risk Summit
Thursday-Friday, August 22-23 - Savannah
51st Annual Convention & Mini-Trade Show
Thursday-Sunday, September 12-15 – Amelia Island
Bank Trainers’ Forum (“R.A.P.” Session)
Tuesday, September 17 - Macon
Analyzing Personal & Corporate Financial Statements & Tax Returns
Tuesday-Wednesday, September 17-18 – Idle Hour, Macon
Community Bank Leadership Academy, Session IV
Tuesday-Wednesday, September 17-18 – Hilton Garden Inn - Mercer, Macon
Bank Security & Workplace Violence Conference
Thursday-Friday, September 19-20 – Lake Lanier Islands
BSA/AML Boot Camp
Tuesday-Thursday, September 24-26 - Macon
3rd Quarter Compliance Program – Georgia Deposit Documentation
Tuesday, September 24 – Savannah
Wednesday, September 25 – Tifton
Thursday, September 26 – Macon
Tuesday, October 8 – Duluth
Wednesday, October 9 - Rome
Ongoing Webinars
Webinars
Click here to view webinar listing and to register.
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
Advanced BSA Officer School
Tuesday–Friday, August 6-9 – St. Simons Island
Consumer & Commercial Loan Documentation Boot Camp
Tuesday–Wednesday, August 6-7 - Macon
HR Roundtable (“R.A.P.” Session)
Thursday, August 15 - Macon
Advanced Commercial Lending School
Tuesday-Friday, August 20-23 - Macon
Cyber Risk Summit
Thursday-Friday, August 22-23 - Savannah
51st Annual Convention & Mini-Trade Show
Thursday-Sunday, September 12-15 – Amelia Island
Bank Trainers’ Forum (“R.A.P.” Session)
Tuesday, September 17 - Macon
Analyzing Personal & Corporate Financial Statements & Tax Returns
Tuesday-Wednesday, September 17-18 – Idle Hour, Macon
Community Bank Leadership Academy, Session IV
Tuesday-Wednesday, September 17-18 – Hilton Garden Inn - Mercer, Macon
Bank Security & Workplace Violence Conference
Thursday-Friday, September 19-20 – Lake Lanier Islands
BSA/AML Boot Camp
Tuesday-Thursday, September 24-26 - Macon
3rd Quarter Compliance Program – Georgia Deposit Documentation
Tuesday, September 24 – Savannah
Wednesday, September 25 – Tifton
Thursday, September 26 – Macon
Tuesday, October 8 – Duluth
Wednesday, October 9 - Rome
Ongoing Webinars
Webinars
Click here to view webinar listing and to register.
Upcoming Events
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
Human Resources R.A.P. Session
Thursday, August 15 - Macon
Advanced Commercial Lending School
Tuesday-Friday, August 20-23 - Macon
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
Human Resources R.A.P. Session
Thursday, August 15 - Macon
Advanced Commercial Lending School
Tuesday-Friday, August 20-23 - Macon
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