March 29, 2017
Events
CBA University
Industry Representation
Legislative Updates
Member Services
Conferences
Conventions
Schools
Webinars
Banker Regulatory Forums
Compliance
CBA University
Industry Representation
Legislative Updates
Member Services
Conferences
Conventions
Schools
Webinars
Banker Regulatory Forums
Compliance
Superior
Products,
Significant Discounts
Products,
Significant Discounts

Vendor Renewal & Evaluation Services

Many thanks to Rep. Beth Beskin and Sen. John Kennedy for carrying HB 192--Business Judgment Rule, in their respective chambers. The bill passed the Senate Friday, March 24th and will now go to Governor Deal for his signature. This is a win for banks and all corporations in Georgia as this bill will restore the gross negligence standard for directors and officers regarding both the decision making process and the decisions themselves. We appreciate the hard work Rep. Beskin and Sen. Kennedy put in to gain passage of this very important bill.
Please learn more about this very important bill:
Please learn more about this very important bill:

Amending the Business Judgment Rule to a Gross Negligence Standard
On March 24, 2017, the Georgia Senate passed House Bill 192, which in pertinent part, amends the Georgia Corporate Code’s standard of care for officers and directors of a corporate entity, including banks. This key piece of legislation was formed in direct response to the Georgia Supreme Court’s landmark decision in FDIC v. Loudermilk, et. al., which held that the business judgment rule protects directors and officers from liability arising out of ordinary negligence, so long as the process through which the directors or officers arrived at their decision was sound and not, in and of itself, negligent. House Bill 192 mandates that the appropriate standard of care is gross negligence, and establishes certain key presumptions in favor of bank officers and directors. This pivotal legislation was carried in the Senate by Senator John F. Kennedy of James-Bates-Brannan-Groover-LLP, and passed with a majority vote of 41-10. To learn more, click here. Guest article from CBA General Counsel James-Bates-Brannan-Groover-LLP.
On March 24, 2017, the Georgia Senate passed House Bill 192, which in pertinent part, amends the Georgia Corporate Code’s standard of care for officers and directors of a corporate entity, including banks. This key piece of legislation was formed in direct response to the Georgia Supreme Court’s landmark decision in FDIC v. Loudermilk, et. al., which held that the business judgment rule protects directors and officers from liability arising out of ordinary negligence, so long as the process through which the directors or officers arrived at their decision was sound and not, in and of itself, negligent. House Bill 192 mandates that the appropriate standard of care is gross negligence, and establishes certain key presumptions in favor of bank officers and directors. This pivotal legislation was carried in the Senate by Senator John F. Kennedy of James-Bates-Brannan-Groover-LLP, and passed with a majority vote of 41-10. To learn more, click here. Guest article from CBA General Counsel James-Bates-Brannan-Groover-LLP.

ICBA Will Not Appeal NCUA Lawsuit
ICBA announced that it will not file an appeal in its lawsuit challenging the National Credit Union Administration’s commercial lending rule. Instead, ICBA said it will explore other avenues to address the NCUA’s unjustified and outrageous expansion of limitations on credit union commercial lending activities under current congressional statutes.
“We remain deeply concerned with the tangible threat this poses to community banks, consumers and the financial system at large,” ICBA President and CEO Cam Fine said. “ICBA will continue to call on Congress to prevent credit unions and their captive regulator from continuing to unreasonably expand their activities beyond any limits justified by their tax exemption, especially at the expense of taxpaying community banks.”
ICBA said the case illustrates the difficulty in challenging agency rules in light of the Chevron doctrine, which gives deference to agency rulemaking and determinations. ICBA thanks the nation’s community bankers for their support and will continue fighting to level the tax and regulatory playing field between community banks and credit unions. Read ICBA Statement.
ICBA announced that it will not file an appeal in its lawsuit challenging the National Credit Union Administration’s commercial lending rule. Instead, ICBA said it will explore other avenues to address the NCUA’s unjustified and outrageous expansion of limitations on credit union commercial lending activities under current congressional statutes.
“We remain deeply concerned with the tangible threat this poses to community banks, consumers and the financial system at large,” ICBA President and CEO Cam Fine said. “ICBA will continue to call on Congress to prevent credit unions and their captive regulator from continuing to unreasonably expand their activities beyond any limits justified by their tax exemption, especially at the expense of taxpaying community banks.”
ICBA said the case illustrates the difficulty in challenging agency rules in light of the Chevron doctrine, which gives deference to agency rulemaking and determinations. ICBA thanks the nation’s community bankers for their support and will continue fighting to level the tax and regulatory playing field between community banks and credit unions. Read ICBA Statement.

FDIC Atlanta Hosts Southeastern Trade Association Conference
Last Thursday, the FDIC Atlanta Regional Office hosted the Southeastern Trade Association Conference to discuss trends and issues affecting our respective bank members. Attendees included Florida, Georgia, North Carolina, South Carolina, and Virginia trade association representatives.
FDIC Atlanta's management team stated they are seeing banks’ Net Interest Margins shrink, Commercial Real Estate (CRE) concentrations increase, and underwriting standards for CRE loans loosen. They further stated the combination of these factors is somewhat concerning and that risk appetites need to be commensurate with bank policies and capital levels. The FDIC wants banks to be prepared for changes to the Current Expected Credit Losses (CECL) model for the ALLL as banks should not count on this being repealed. CECL will take effect in 2020 for SEC registrants or in 2021 for all other banks. Attendees were told to be on the lookout for a list of frequently asked questions compiled by an Interagency Working Group that will be coming out soon. Interest Rate Risk (IRR) continues to be on the list of hot topics especially with the recent rate hikes. Many institutions have gone longer term on the balance sheet to chase yields and their IRR position may be impacted by rising rates. Another trend that regulators are monitoring is the area of management succession plans. Of course, Cybersecurity and Information Technology are also hot topics and banks should continue to prepare for a cyber-attack. From the compliance arena, there will be a shift to a new ratings system on examinations starting after March 31, 2017.
Last Thursday, the FDIC Atlanta Regional Office hosted the Southeastern Trade Association Conference to discuss trends and issues affecting our respective bank members. Attendees included Florida, Georgia, North Carolina, South Carolina, and Virginia trade association representatives.
FDIC Atlanta's management team stated they are seeing banks’ Net Interest Margins shrink, Commercial Real Estate (CRE) concentrations increase, and underwriting standards for CRE loans loosen. They further stated the combination of these factors is somewhat concerning and that risk appetites need to be commensurate with bank policies and capital levels. The FDIC wants banks to be prepared for changes to the Current Expected Credit Losses (CECL) model for the ALLL as banks should not count on this being repealed. CECL will take effect in 2020 for SEC registrants or in 2021 for all other banks. Attendees were told to be on the lookout for a list of frequently asked questions compiled by an Interagency Working Group that will be coming out soon. Interest Rate Risk (IRR) continues to be on the list of hot topics especially with the recent rate hikes. Many institutions have gone longer term on the balance sheet to chase yields and their IRR position may be impacted by rising rates. Another trend that regulators are monitoring is the area of management succession plans. Of course, Cybersecurity and Information Technology are also hot topics and banks should continue to prepare for a cyber-attack. From the compliance arena, there will be a shift to a new ratings system on examinations starting after March 31, 2017.

Spring Regional Luncheons Start in 12 Days!
Register Now!
The Spring Regional Luncheon Meetings are a fantastic way to stay on top of current legislative issues, industry trends and various hot topics as well as network with your peers. The 2017 luncheons will be in three locations across the state so your travel time is minimal.
Bankers start the morning with a “Bankers Only Peer Group,” which is followed by networking time. Immediately after, enjoy a delicious lunch while hearing presentations from top speakers. CBA is pleased to announce the luncheon speakers:
Register Now!
The Spring Regional Luncheon Meetings are a fantastic way to stay on top of current legislative issues, industry trends and various hot topics as well as network with your peers. The 2017 luncheons will be in three locations across the state so your travel time is minimal.
Bankers start the morning with a “Bankers Only Peer Group,” which is followed by networking time. Immediately after, enjoy a delicious lunch while hearing presentations from top speakers. CBA is pleased to announce the luncheon speakers:
For a great afternoon of networking, test your golf skills at the PAC/PR Golf Tournaments, following two of the luncheons. CBA maintains the only state PAC working exclusively for Georgia’s community banks.
Click here for agenda, pricing and other additional information. To register online, click here.
- Monday, April 10, 2017: Crooked Creek Golf Club, Alpharetta/Milton – with Golf & Dinner
- Tuesday, April 11, 2017: Idle Hour Country Club, Macon– with Neil Joiner
- Wednesday, April 12, 2017: Doublegate Country Club, Albany– with Golf & Dinner
Click here for agenda, pricing and other additional information. To register online, click here.

ICBA to Congress: Excessive Regulation Harms Consumers
Testifying Tuesday before the House Financial Services Committee’s Subcommittee on Financial Institutions and Consumer Credit, ICBA Chairman R. Scott Heitkamp said excessive regulations are limiting access to credit for many Americans and inhibiting the economic recovery.
“Simply put, regulatory overkill is cutting off access to credit for credit-worthy borrowers,” said Heitkamp president and CEO of ValueBank Texas in Corpus Christi, Texas. “The expense and distraction of regulatory compliance divert scarce funding and management resources from community lending—particularly for those marginal borrowers whose applications warrant closer review and a greater capacity for risk.” Click here for the full press release.
Testifying Tuesday before the House Financial Services Committee’s Subcommittee on Financial Institutions and Consumer Credit, ICBA Chairman R. Scott Heitkamp said excessive regulations are limiting access to credit for many Americans and inhibiting the economic recovery.
“Simply put, regulatory overkill is cutting off access to credit for credit-worthy borrowers,” said Heitkamp president and CEO of ValueBank Texas in Corpus Christi, Texas. “The expense and distraction of regulatory compliance divert scarce funding and management resources from community lending—particularly for those marginal borrowers whose applications warrant closer review and a greater capacity for risk.” Click here for the full press release.

Being Strategic With Base Salary Compensation
Decisions related to compensation are inherently emotional in nature as employees often link their pay to a sense of personal status and identity within an organization. This makes it even more important for human resource professionals to develop and communicate policies related to compensation.
Historically, banks have granted similar salary increases to all employees, regardless of individual performance or strategic factors. However, with both hiring and turnover on the rise in 2017 it makes sense for banks to take a more strategic approach regarding the use of their salary budget dollars. In order to accomplish this, human resource professionals are tasked with developing a compensation philosophy, creating and managing salary grades/ranges, and conducting market research. Read the full article. Guest article from CBA Associate Member Blanchard Consulting Group.
Decisions related to compensation are inherently emotional in nature as employees often link their pay to a sense of personal status and identity within an organization. This makes it even more important for human resource professionals to develop and communicate policies related to compensation.
Historically, banks have granted similar salary increases to all employees, regardless of individual performance or strategic factors. However, with both hiring and turnover on the rise in 2017 it makes sense for banks to take a more strategic approach regarding the use of their salary budget dollars. In order to accomplish this, human resource professionals are tasked with developing a compensation philosophy, creating and managing salary grades/ranges, and conducting market research. Read the full article. Guest article from CBA Associate Member Blanchard Consulting Group.

CFPB Proposes Equal Credit Opportunity Amendments
The Consumer Financial Protection Bureau is seeking changes to rules implementing the Equal Opportunity Credit Act. The updates are designed to provide additional flexibility to lenders to collect consumer race and ethnicity information that will be required by new Home Mortgage Disclosure Act requirements and the revised Uniform Residential Loan Application.
The CFPB said the proposed amendments will provide greater clarity to lenders regarding their obligations under the law, while promoting compliance with rules intended to ensure consumers are treated fairly. Comments on the proposal will be due 30 days after it is published in the Federal Register. Read the Proposal.
The Consumer Financial Protection Bureau is seeking changes to rules implementing the Equal Opportunity Credit Act. The updates are designed to provide additional flexibility to lenders to collect consumer race and ethnicity information that will be required by new Home Mortgage Disclosure Act requirements and the revised Uniform Residential Loan Application.
The CFPB said the proposed amendments will provide greater clarity to lenders regarding their obligations under the law, while promoting compliance with rules intended to ensure consumers are treated fairly. Comments on the proposal will be due 30 days after it is published in the Federal Register. Read the Proposal.

New Publication to be Added to FDIC's Mortgage Lending Center
The Affordable Mortgage Lending Guide, Part III: Federal Home Loan Banks describes the products and services offered by the Federal Home Loan Banks. Part III provides general information on Affordable Housing and Community Investment Programs, Advances, the Mortgage Partnership Finance® Program, and the Mortgage Purchase Program that can facilitate mortgage lending by insured depository institutions. Many of these products can be used in conjunction with other federal and government-sponsored enterprise programs, as well as state housing finance agency programs.
Part III also includes individual summaries of each Federal Home Loan Bank that lists specific products and services offered. Each FHLB summary also provides important contact information, as well as other key links for education resources and specific product information. A map that links to each FHLB will be available on the Affordable Mortgage Lending Center. To order a copy of the publication, go to https://catalog.fdic.gov/ (Banking Resources). Pre-orders are not available.
To view the publication, download sections, and find out more about your FHLBank, visit FDIC’s Affordable Mortgage Lending Center at fdic.gov/mortgagelending on April 6, 2017.
The Affordable Mortgage Lending Guide, Part III: Federal Home Loan Banks describes the products and services offered by the Federal Home Loan Banks. Part III provides general information on Affordable Housing and Community Investment Programs, Advances, the Mortgage Partnership Finance® Program, and the Mortgage Purchase Program that can facilitate mortgage lending by insured depository institutions. Many of these products can be used in conjunction with other federal and government-sponsored enterprise programs, as well as state housing finance agency programs.
Part III also includes individual summaries of each Federal Home Loan Bank that lists specific products and services offered. Each FHLB summary also provides important contact information, as well as other key links for education resources and specific product information. A map that links to each FHLB will be available on the Affordable Mortgage Lending Center. To order a copy of the publication, go to https://catalog.fdic.gov/ (Banking Resources). Pre-orders are not available.
To view the publication, download sections, and find out more about your FHLBank, visit FDIC’s Affordable Mortgage Lending Center at fdic.gov/mortgagelending on April 6, 2017.

Leadership Division’s Clay Shoot Raises Funds for PAC
Held at Albany’s Wynfield Plantation last Thursday, the CBA’s Leadership Division hosted its spring fundraising clay shoot. “We are thrilled by the continued growth of this event and the support of it – by bankers and industry professionals alike,” stated Rob Braswell, President & CEO, CBA of Georgia. “Our sporting clay shoots continue to be a fun experience for everyone involved and we couldn’t be more appreciative of the turnout and support for this worthy cause.” Over 60 bankers and Associate Members came out and helped raise funds for CBA’s PAC/PR Funds. The CBA maintains the only state PAC working exclusively for Georgia’s community banks.
“For several years now we have been a sponsor of the CBA Clay Shoots and it is undoubtedly one of our favorite events. Besides helping with CBA’s PAC fundraising, we always enjoy the networking, food, raffle prizes and friendly shooting competition,” says Clayton Braswell, President, ATM Response, Clay Shoot Premier Sponsor.
Corey Gibbs, President & CEO, Community Banking Company of Fitzgerald, CBA Board Member and Clay Shoot participant says, “Once again, CBA’s semi-annual clay shoot was a huge success. Wynfield Plantation provided an excellent venue for fellowship with colleagues and associates. The clay course was challenging and in great condition, the food was fantastic and the weather was ideal. Bankers and vendors had a wonderful time while raising much needed money for representation through our PAC/PR fund. Jason Rooks, Danny Adkins, Ty Bettis and others on the PAC/PR Committee did a great job organizing the event.”
Congratulations go out to our two prize winning teams! The 1st and 2nd Highest Scoring Teams were:
Held at Albany’s Wynfield Plantation last Thursday, the CBA’s Leadership Division hosted its spring fundraising clay shoot. “We are thrilled by the continued growth of this event and the support of it – by bankers and industry professionals alike,” stated Rob Braswell, President & CEO, CBA of Georgia. “Our sporting clay shoots continue to be a fun experience for everyone involved and we couldn’t be more appreciative of the turnout and support for this worthy cause.” Over 60 bankers and Associate Members came out and helped raise funds for CBA’s PAC/PR Funds. The CBA maintains the only state PAC working exclusively for Georgia’s community banks.
“For several years now we have been a sponsor of the CBA Clay Shoots and it is undoubtedly one of our favorite events. Besides helping with CBA’s PAC fundraising, we always enjoy the networking, food, raffle prizes and friendly shooting competition,” says Clayton Braswell, President, ATM Response, Clay Shoot Premier Sponsor.
Corey Gibbs, President & CEO, Community Banking Company of Fitzgerald, CBA Board Member and Clay Shoot participant says, “Once again, CBA’s semi-annual clay shoot was a huge success. Wynfield Plantation provided an excellent venue for fellowship with colleagues and associates. The clay course was challenging and in great condition, the food was fantastic and the weather was ideal. Bankers and vendors had a wonderful time while raising much needed money for representation through our PAC/PR fund. Jason Rooks, Danny Adkins, Ty Bettis and others on the PAC/PR Committee did a great job organizing the event.”
Congratulations go out to our two prize winning teams! The 1st and 2nd Highest Scoring Teams were:

Other Prizes: Congratulations to Bill Boone, James-Bates-Brannan-Groover-LLP, Atlanta, for being the lucky winner of the Browning Silver Stalker 12 Gauge Shotgun sold by Red Hills Outdoors in Americus.
Clayton Braswell, ATM Response (the event’s Premier Sponsor), gave away a prize as well. Bubba Joiner of Albany was the winner (pictured left). Nelson Kunes, Kunes Real Estate Appraisals, Inc. in Tifton gave away Yeti tumblers to Rick Little, Flint Community Bank; to Dave Fain and Wes Sternenberg who tied the morning flight with a high score of 80; and, to Stewart Fickel for his afternoon high score of 86.
Clayton Braswell, ATM Response (the event’s Premier Sponsor), gave away a prize as well. Bubba Joiner of Albany was the winner (pictured left). Nelson Kunes, Kunes Real Estate Appraisals, Inc. in Tifton gave away Yeti tumblers to Rick Little, Flint Community Bank; to Dave Fain and Wes Sternenberg who tied the morning flight with a high score of 80; and, to Stewart Fickel for his afternoon high score of 86.
Scenes from the 2017 Spring Clay Shoot
Thank You to All Our Sponsors!
Don't Forget to Save the Date!
Announcing CBA Leadership Division’s Fall Clay Shoot – Thursday, October 19, 2017, at Burge Plantation in Mansfield/Covington. Mark your calendar today!
Announcing CBA Leadership Division’s Fall Clay Shoot – Thursday, October 19, 2017, at Burge Plantation in Mansfield/Covington. Mark your calendar today!

Deadline to Register Fast Approaching!
Meet the Speakers:
Meet the Speakers:

April is Community Banking Month
Let CBA Help Your Bank Celebrate!
April is Community Banking Month and the Community Bankers Association of Georgia and community banks across Georgia are recognizing the unique spirit that makes community banks the foundation of their communities in cities and towns throughout the state. Governor Nathan Deal recently proclaimed April 2017 as Community Banking Month in Georgia.
Make your plans now on how you will show appreciation to your customers and demonstrate the importance of community banking. Take advantage of FREE resources from CBA, including press releases, website banner ads, ideas to celebrate, and much more! For more information, contact Jeremy Thomens at CBA at Jeremy@cbaofga.com or 770.541.0380.
Let CBA Help Your Bank Celebrate!
April is Community Banking Month and the Community Bankers Association of Georgia and community banks across Georgia are recognizing the unique spirit that makes community banks the foundation of their communities in cities and towns throughout the state. Governor Nathan Deal recently proclaimed April 2017 as Community Banking Month in Georgia.
Make your plans now on how you will show appreciation to your customers and demonstrate the importance of community banking. Take advantage of FREE resources from CBA, including press releases, website banner ads, ideas to celebrate, and much more! For more information, contact Jeremy Thomens at CBA at Jeremy@cbaofga.com or 770.541.0380.

Hosting Easter Crafts Party at Children’s Healthcare
Thursday, April 6th, 2:00-4:00 p.m.
This volunteer party is on behalf of your banks and the CBA’s Leadership Division. Our monetary donations are much appreciated, but our time is perhaps even more valuable. If you are interested, please volunteer by emailing Peake Wilson. Arts and crafts will be available; however, you are more than welcome to bring/send your own. There will be multiple stations at which the kids can participate.
We can have up to 12 volunteers for a room of 20 children, and we welcome both men and women to participate. Please consider helping out on this very special day for these amazing and deserving kids. More information will be provided closer to the event.
Thursday, April 6th, 2:00-4:00 p.m.
This volunteer party is on behalf of your banks and the CBA’s Leadership Division. Our monetary donations are much appreciated, but our time is perhaps even more valuable. If you are interested, please volunteer by emailing Peake Wilson. Arts and crafts will be available; however, you are more than welcome to bring/send your own. There will be multiple stations at which the kids can participate.
We can have up to 12 volunteers for a room of 20 children, and we welcome both men and women to participate. Please consider helping out on this very special day for these amazing and deserving kids. More information will be provided closer to the event.

Hear Dr. Lacy Hunt at Vision Seminar 2017 - Complimentary
May 2-3, 2017, Renaissance Atlanta Waverly Hotel & Convention Center
The Baker Group’s Interest Rate Risk and Investment Strategies Seminar is developed specifically for managers of financial institutions.
May 2-3, 2017, Renaissance Atlanta Waverly Hotel & Convention Center
The Baker Group’s Interest Rate Risk and Investment Strategies Seminar is developed specifically for managers of financial institutions.

Dr. Lacy H. Hunt, an internationally-known economist, is Executive Vice President of Hoisington Investment Management Company, which manages over $3 billion for pension funds, endowments, insurance companies, and others. In this position he is also Vice Chairman of the Strategic Investment Committee.
Lacy is the author of two books and numerous articles in leading magazines, periodicals and scholarly journals. Included among the publishers of his articles are Barron’s, The Wall Street Journal, The New York Times, and the Journal of Finance. He is a regular contributor to Standard and Poor’s Credit Week and The Blue List. He has been a guest on PBS on the Nightly Business Report, the News Hour, and Wall Street Week. He has been on CNN’s Moneyline and Business Morning and on CNBC’s World Business and Business Insiders. He was also on the CBS Evening News, NBC’s Today Show, and ABC’s World News Tonight.
For nearly fourteen years he was Chief U.S. economist for the HSBC group, one of the world’s largest financial institutions. He was also Executive Vice President and Chief Economist at Fidelity Bank. Earlier he served as Vice President for Monetary Economics at Chase Econometrics Associates. A native of Texas, Dr. Hunt held the position of Senior Economist for the Federal Reserve Bank of Dallas
Attend the Atlanta Braves vs. NY Mets Ballgame
The Baker Group’s seminar attendees will enjoy an evening of baseball as the New York Mets play the Atlanta Braves. The park doesn’t open to the public until May 10, but we’ve made special arrangements for our seminar attendees to join season ticket holders. Seating is limited to the first 75 conference attendees who register online. To register or learn more, click here.
Lacy is the author of two books and numerous articles in leading magazines, periodicals and scholarly journals. Included among the publishers of his articles are Barron’s, The Wall Street Journal, The New York Times, and the Journal of Finance. He is a regular contributor to Standard and Poor’s Credit Week and The Blue List. He has been a guest on PBS on the Nightly Business Report, the News Hour, and Wall Street Week. He has been on CNN’s Moneyline and Business Morning and on CNBC’s World Business and Business Insiders. He was also on the CBS Evening News, NBC’s Today Show, and ABC’s World News Tonight.
For nearly fourteen years he was Chief U.S. economist for the HSBC group, one of the world’s largest financial institutions. He was also Executive Vice President and Chief Economist at Fidelity Bank. Earlier he served as Vice President for Monetary Economics at Chase Econometrics Associates. A native of Texas, Dr. Hunt held the position of Senior Economist for the Federal Reserve Bank of Dallas
Attend the Atlanta Braves vs. NY Mets Ballgame
The Baker Group’s seminar attendees will enjoy an evening of baseball as the New York Mets play the Atlanta Braves. The park doesn’t open to the public until May 10, but we’ve made special arrangements for our seminar attendees to join season ticket holders. Seating is limited to the first 75 conference attendees who register online. To register or learn more, click here.
Find out "What's NEXT" at Amelia Island!
Mark your calendar and join us at CBA’s 39th Annual Leadership Division
Convention & Mini-Trade Show!
Mark your calendar and join us at CBA’s 39th Annual Leadership Division
Convention & Mini-Trade Show!

Come See "What's NEXT" in Fun!
The Ritz-Carlton Amelia Island has much to offer and so does the surrounding area.
During the Convention:
Golf Tournament
The Julian Hester Memorial Golf Tournament will be held on Friday afternoon at The Golf Club of Amelia Island. The course is steps away from The Ritz-Carlton and offers an exciting 18-hole championship golf course designed by Mark McCumber and Gene Littler. This challenging, yet fun layout is an avid golfer's dream. The breathtaking landscape, meticulously maintained greens, strategically placed bunkers, and the ever-shifting ocean breeze ensures no two rounds are ever the same. Cash prizes will be awarded during the Saturday morning General Session.
The Ritz-Carlton Amelia Island has much to offer and so does the surrounding area.
During the Convention:
Golf Tournament
The Julian Hester Memorial Golf Tournament will be held on Friday afternoon at The Golf Club of Amelia Island. The course is steps away from The Ritz-Carlton and offers an exciting 18-hole championship golf course designed by Mark McCumber and Gene Littler. This challenging, yet fun layout is an avid golfer's dream. The breathtaking landscape, meticulously maintained greens, strategically placed bunkers, and the ever-shifting ocean breeze ensures no two rounds are ever the same. Cash prizes will be awarded during the Saturday morning General Session.

PAC/PR 5K & Kids' Fun Run
This popular fundraising activity benefits one of the Leadership Division's most important initiatives - CBA's PAC/PR Funds. The 5K will begin at 6:15am on Saturday for adults and 6:45am for the kids (10 and under). Kids 11 and up have the option to run in the 5K. There will be plenty of time to refresh before breakfast and the General Session. Winners will be announced during the General Session later that morning. All runners will receive a commemorative t-shirt.
To register for these activities (or add them to your existing convention registration), please email Peake Wilson. Sponsorships are available for both of these activities. Please contact Lindsay Greene for more information.
Outside the Convention:
Area Attractions
There are so many recreational options at The Ritz. You'll find information about resort activities, beach/pool services, island adventures and more! The island is full of other fun things to see and do also.
Dining Options on Amelia Island
The Ritz-Carlton has several options including fine dining and casual fare. Amelia Island and Fernandina Beach offer some spectacular dining options as well.
This popular fundraising activity benefits one of the Leadership Division's most important initiatives - CBA's PAC/PR Funds. The 5K will begin at 6:15am on Saturday for adults and 6:45am for the kids (10 and under). Kids 11 and up have the option to run in the 5K. There will be plenty of time to refresh before breakfast and the General Session. Winners will be announced during the General Session later that morning. All runners will receive a commemorative t-shirt.
To register for these activities (or add them to your existing convention registration), please email Peake Wilson. Sponsorships are available for both of these activities. Please contact Lindsay Greene for more information.
Outside the Convention:
Area Attractions
There are so many recreational options at The Ritz. You'll find information about resort activities, beach/pool services, island adventures and more! The island is full of other fun things to see and do also.
Dining Options on Amelia Island
The Ritz-Carlton has several options including fine dining and casual fare. Amelia Island and Fernandina Beach offer some spectacular dining options as well.
Helpful Links:
Ritz Recreational Options | Ritz Kids | Ritz Carlton Dining Options
Area Recreation Options | Amelia Island Dining
Ritz Recreational Options | Ritz Kids | Ritz Carlton Dining Options
Area Recreation Options | Amelia Island Dining
Join us and your peers to learn "What's NEXT" at The Ritz-Carlton, Amelia Island, Florida, Thursday- Sunday, June 22-25 for CBA's 39th Annual Leadership Division Convention & Mini-Trade Show! Click here to register and to learn more.

Barrett Scholarship Winner Meets with Sponsor IPI, Inc.
Jake Pollard and David Doerflinger of Investment Professionals, Inc. (IPI), sponsors of the 2017 Barret Graduate School of Banking Scholarship, met with scholarship recipient Michelle Dixon at Century Bank & Trust in Milledgeville. IPI, a CBA Endorsed Member Company, sponsored the scholarship for a Georgia community banker to attend the 2017 session of the Barret Graduate School of Banking as a first-year student. Click here to learn more about the Barret School of Banking, and click here to learn more about Investment Professionals, Inc.
Jake Pollard and David Doerflinger of Investment Professionals, Inc. (IPI), sponsors of the 2017 Barret Graduate School of Banking Scholarship, met with scholarship recipient Michelle Dixon at Century Bank & Trust in Milledgeville. IPI, a CBA Endorsed Member Company, sponsored the scholarship for a Georgia community banker to attend the 2017 session of the Barret Graduate School of Banking as a first-year student. Click here to learn more about the Barret School of Banking, and click here to learn more about Investment Professionals, Inc.

Oconee State Bank Awarded Business of the Quarter
The Oconee County Chamber of Commerce awarded Oconee State Bank with Business of The Quarter for the 1st quarter of 2017. Phillip Jackson and Brandon Haney accepted the award on behalf of the bank.
The Oconee County Chamber of Commerce awarded Oconee State Bank with Business of The Quarter for the 1st quarter of 2017. Phillip Jackson and Brandon Haney accepted the award on behalf of the bank.

BankSouth Honors 50 Years of Service
BankSouth honored Bobby Voyles, vice chairman of the board of directors, for 50 years of service on March 16, 2017. Voyles originally joined the bank as the Bank Cashier and Assistant Vice President, a position that would be akin to the Chief Operating Officer today. He has fulfilled many roles at BankSouth including Executive Vice President, Director, President, CEO, Vice Chairman of the Bank, Vice Chairman of the Board, and Director and Chairman of the BankSouth Foundation. Read the full press release.
BankSouth honored Bobby Voyles, vice chairman of the board of directors, for 50 years of service on March 16, 2017. Voyles originally joined the bank as the Bank Cashier and Assistant Vice President, a position that would be akin to the Chief Operating Officer today. He has fulfilled many roles at BankSouth including Executive Vice President, Director, President, CEO, Vice Chairman of the Bank, Vice Chairman of the Board, and Director and Chairman of the BankSouth Foundation. Read the full press release.

Heritage Community Foundation Presents Grant to CSU
The Heritage Community Foundation presented a grant to Dr. Thomas J. (Tim) Hynes, President, and Kate Troelstra, Vice President of University Advancement, of Clayton State University (CSU) in Morrow on March 1, 2017. The $2000 grant will become part of the CSU Foundation’s Retention Scholarship Fund. This fund is administered through the Financial Aid Office to students who demonstrate the most need. Each fall, 25-30 students end up dropping out for the semester so that they can earn enough money to pay for their education.
The Heritage Community Foundation presented a grant to Dr. Thomas J. (Tim) Hynes, President, and Kate Troelstra, Vice President of University Advancement, of Clayton State University (CSU) in Morrow on March 1, 2017. The $2000 grant will become part of the CSU Foundation’s Retention Scholarship Fund. This fund is administered through the Financial Aid Office to students who demonstrate the most need. Each fall, 25-30 students end up dropping out for the semester so that they can earn enough money to pay for their education.
2017 Campaign for the CBA (PAC/PR) Fund Underway!
We are pleased to announce recent contributions to the 2017 Campaign for the CBA Political Action Committee and Public Relations (PAC/PR) Fund!
We are pleased to announce recent contributions to the 2017 Campaign for the CBA Political Action Committee and Public Relations (PAC/PR) Fund!
In order to achieve our goals, we will need the help of your institution, Board members, officers, and employees. Your contributions are greatly appreciated and will go towards the only Georgia State PAC exclusively committed to representing the interests in community banks. Click here for contribution forms. For more information, contact Lori Godfrey.

Newton Federal Bank - Covington
Jeff Bankston has joined the bank as Vice President, Commercial Lender in the bank's Athens LPO.

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 Jodi Swilley. For assistance with Corporate Events, contact Peake Wilson.
2nd Quarter 2017
2nd Annual Mortgage Lending School April 11-13 - Atlanta HR Program: Noon-Time Forum - Coming & Going - Ending the Work Relationship (Webinar/Telephone) Tuesday, April 11 2017 Branch Management Series III - Leading, Developing, and Engaging The Team Thursday, April 20 - Atlanta BSA Officer School – The Basics April 25-27 - Atlanta 9th Annual Bank Directors & Executive Management Conference Wednesday, April 26 - Atlanta The Baker Group’s Vision Seminar 2017 Tuesday-Wednesday, May 2-3, Atlanta 4th Annual Bank Security Conference Thursday-Friday, May 18-19, Braselton Global Cash Flow Analysis: Calculation & Interpretation Wednesday, May 24, Atlanta Webinars Click here to view webinar listing and to register. On-Line Training Click here for on-line training with Bankers Edge. (Bankers Edge is a CBA Endorsed Member Company) |
April – May 2017
Spring Regional Luncheon Meetings & PAC/PR Fundraising Golf Tournaments Monday, April 10 – Alpharetta Tuesday, April 11 – Macon (no golf) Wednesday, April 12 - Albany 2nd Quarter Banker Regulatory Forum – Safety & Soundness Thursday, May 4 - Atlanta |
We are community banking.
1900 The Exchange, Suite 600, Atlanta, GA 30339
Phone: (770) 541-4490 / (800) 648-8215 | Fax: (770) 541- 4496 • www.cbaofga.com
1900 The Exchange, Suite 600, Atlanta, GA 30339
Phone: (770) 541-4490 / (800) 648-8215 | Fax: (770) 541- 4496 • www.cbaofga.com
Upcoming Events
8th Annual Spring Regional Luncheon Meeting
4/10 - Alpharetta
4/11 - Macon
4/12 - Albany
2nd Annual Mortgage Lending School
Tuesday-Thursday, April 11-13 - Atlanta
8th Annual Spring Regional Luncheon Meeting
4/10 - Alpharetta
4/11 - Macon
4/12 - Albany
2nd Annual Mortgage Lending School
Tuesday-Thursday, April 11-13 - Atlanta
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