Download First Commerce Bank, Lewisburg - Tennessee Bankers Association

THE
T EN N E S SEE B ANKER
Volume 102 • Number 8 • August 2014
Presenting the
2014-2015 Chairman
William B. Marsh
First Commerce Bank, Lewisburg
AUGUST 2014 | THE TENNESSEE BANKER
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THE
TEN N E SSE E B A N K E R
Published monthly by the Tennessee Bankers Association
Colin Barrett / Editor
Dianne W. Martin / Managing Editor
Jennifer D. Bennett / Graphic Designer
Volume CII / Number 8 / August 2014
Contents
THIS MONTH
124TH ANNUAL MEETING COVERAGE
Election of New Officers & Directors........................................................... 12
Business Sessions.......................................................................................... 14
Dessert Party and Tribute to Brad Barrett.................................................... 16
Thank You to Our Sponsors.......................................................................... 17
Golf Tournament Winners............................................................................. 20
Exhibitors and Exhibit Hall Photos............................................................... 22
Photo Album................................................................................................. 26
August Membership Meetings – Will Your Bank Be There?................................... 7
ABA and AARP Commit to Fight Financial Abuse of Older Americans................. 9
Independent Bankers Division Convention Set for October 30 & 31.................. 11
BankPac Campaign on Track to Set New Records............................................... 32
TBA Compliance Conference—The Challenge of Change.................................. 35
SouthEast Bank and EverFi Honor Students Completing Financial
Scholars Program...................................................................................... 38
Southeastern Institute for IRA Training................................................................. 40
BSA/AML Compliance Management Will Cover Recent Changes...................... 42
DEPARTMENTS
FROM THE EXECUTIVE OFFICE—Colin Barrett
New Association Year Begins with Look Back, Look Ahead....................... 6
WASHINGTON UPDATE—Governor Frank Keating
Fighting Elderly Financial Abuse................................................................. 8
FROM THE TOP—John Buhrmaster
Islands of Opportunity.............................................................................. 11
ON THE HORIZON—Enterprise Risk Management; Training the Credit Analyst;
Basic Consumer Lending; IRS Reporting for Financial Institutions........... 43
Bank Notes / Community Corner / Promotions................................................... 44
Employment Opportunities.................................................................................. 55
Actions of Bank Regulatory Agencies.................................................................. 58
TBA Professional Development Calendar............................................................ 59
On the Cover
TBA 2014-2015 Chairman Bill Marsh, First Commerce
Bank, Lewisburg, and wife Carol in the lobby of
The Breakers, headquarters for the 124th Annual
Meeting. Convention coverage begins on page 12.
Photo © LILA PHOTO, Palm Beach, FL.
4
THE TENNESSEE BANKER | AUGUST 2014
OFFICERS
William B. Marsh / Chairman
First Commerce Bank, Lewisburg
David Verble / Chairman-elect
Citizens National Bank, Sevierville
Gordon Majors /Vice Chairman
The Hardin County Bank, Savannah
STAFF
Administration
Colin Barrett / President
Stacey Langford / Senior Vice President
of Membership
Steve Curtis / Vice President of
Information Technology
Sharon Justice-McCray / Vice President
of Human Resources & Facilities
Penny L. Powlas / Executive Assistant,
Administration / Legal
T’Lanie Luu / Member Services
Specialist
Sandra Johnson / Training Center
Coordinator
Accounting / Insurance
Angela D. Griffin, CPA / Executive
Vice President / CFO
Mike Ailinger / Staff Accountant
Shemeka Greer / Accounts Receivable
Clerk
Felisha Gatlin / Accounts Payable Clerk
Legal / Government Relations
Timothy L. Amos / Executive Vice
President / General Counsel
Amy Smith / Senior Vice President /
Deputy Counsel
Education
Debbie M. Brickles / Senior Vice President
of Training and Development
Susan R. Taylor, CMP / Senior Vice
President of Professional Development
Monique Jenkins / Education Services Specialist
Communications
Dianne W. Martin / Vice President /
Director of Communications
Jennifer D. Bennett / Assistant Director of Communications
Lila Griffin / Proofreader
The Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers
Association, 211 Athens Way, Ste 100, Nashville, TN 37228-1381; telephone 615-2444871. Advertising rates available upon request. Subscriptions: $40.00 per year for TBA
members; $55.00 for nonmembers; single copies, $6. Tennessee residents add 9.25%
sales tax. Periodical postage paid at Nashville, Tennessee. POSTMASTER: send address
changes to The Tennessee Banker, 211 Athens Way, Ste 100, Nashville, TN 37228-1381.
Copyright © 2014, Tennessee Bankers Association; all rights
reserved. The Tennessee Bankers Association disclaims all
responsibility for opinion expressed in addresses, papers, or
communications published in The Tennessee Banker unless such
opinion has been endorsed by the Tennessee Bankers Association.
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From the Executive Office
New Association Year Begins
With Look Back, Look Ahead
By Colin Barrett, President, Tennessee Bankers Association
S
ummer is always
a time of reflection and transition for the Tennessee
Bankers Association—a
time when we look
back and look ahead,
when we acknowledge
and enjoy our successes
while also rolling up our
sleeves to get started on
addressing the challenges facing our industry
and seizing the opportunities ahead of us.
That in a nutshell describes the atmosphere
at the TBA’s 124th Annual Meeting, when we
officially kicked off our
new association year
June 10 with Jeff Agee passing the
chairman’s gavel to Bill Marsh. It
was a great meeting, and I want to
thank so many of you who joined
us at The Breakers. With almost
600 bankers, our convention continues to be one of the largest
industry gatherings in the country.
The camaraderie that exists
among Tennessee bankers—representing both small community
banks and larger members and new
and longtime members—is the reason we continue to be a successful
association. It was great having
Dana Stonestreet from HomeTrust
Bank in North Carolina, one of
our newest Tennessee banks, join
us along with Bryan Jordan of First
Tennessee, which is celebrating its
6
Three suggestions for this month:
PPAs you head to the polls for the August primaries,
please vote for those who understand the value of a
strong banking industry and the role banking plays
in the future of Tennessee.
PPAugust is a special time of year as we induct the
newest honorees into the Leaders in Banking
Excellence. Plan to join us at 11:00 am on August 21
in the TBA Barrett Training Center as we welcome
our newest LBE recipients.
PPSince 1999, Bankers Title of East Tennessee and
Title Center of the South have sold $26 million in
title insurance through the TBA endorsed programs,
resulting in $9.6 million in dividends to Tennessee
owner banks. Learn more by contacting Norma
Carroll at 865-384-7846 or [email protected].
150th anniversary as the oldest bank
in the state.
Looking back on Jeff’s tenure as
chairman, it’s clear that he provided
highly effective leadership on a number of fronts. And from conversations
I had with bankers across Tennessee, I
know you agree with that assessment.
On a personal note, Jeff has been a
great mentor and friend, always just a
quick phone call away, and he helped
me tremendously during my first year
as president.
In 2011, when Jeff was elected
vice chairman, he knew he would be
overseeing the association as it went
through a transition to a new TBA
president—a transition that had occurred only three other times in the
past 124 years.
THE TENNESSEE BANKER | AUGUST 2014
From Jeff’s tenure as president
of the TBA Young Bankers Division to his term as TBA chairman,
he has been recognized as a leader
in Tennessee banking, and his singular focus was on strengthening
the association to best serve the
interests of the Tennessee banking
industry. That is no small task, and
chairing a large association such
as ours takes a true commitment
and a great investment of personal
time. Jeff and Jolie, as well as their
children, India and Franklin, are a
part of the TBA family, and I want
to thank them for their service and
unselfishness.
While we accomplished much in
the past year, we have much work
in front of us, and the chairman’s
gavel is in great hands. I am excited
to welcome Bill Marsh, chairman
and CEO of First Commerce Bank
in Lewisburg, as your 2014-2015
TBA chairman.
Bill has already hit the ground
running, and I look forward to
joining him and the TBA staff as we
travel across the state August 4-12
to discuss the future of Tennessee
banking at our regional membership meetings. We will take an indepth look at the findings from the
Independent Division’s credit union
study, discuss the new Regulatory
Feedback Initiative, and hear from
Financial Products and Services
about products to protect your
bank from fraud. In addition, we
will preview the upcoming elections
and their potential impact on banking
legislation that is currently moving
through Congress.
I look forward to working with
Bill, right up to the time next year
when it’s his turn to pass the gavel.
And on that note, I want to encourage you to start planning for the
125th Annual Meeting. This is truly
a historic time for our association,
and we would enjoy having every
Tennessee bank represented at the
convention. There isn’t a better venue
to celebrate such a milestone than
The Greenbrier in White Sulphur
Springs, WV.
August 4
Cookeville
Leslie Town Centre
August 5
Chattanooga
The Chattanoogan
2014
MEMBERSHIP
August 7
Knoxville - Knoxville Marriott
August 8
Nashville - TBA
Barrett Training Center
MEETINGS
August 11
Jackson - Suites of LaRue
August 6
Kingsport
Meadowview Conference Center
J
It will have been 10 years since
the TBA last visited The Greenbrier,
and while the resort still maintains
its Southern charm, it has been
renovated with new restaurants,
shops, activities for the children,
and even a casino. Your TBA staff
is already hard at work to make the
125th Annual Meeting of the TBA
the best yet.
As always, thank you for your
continued support of the TBA, and
I look forward to seeing you at a
membership meeting this month. ■
oin TBA Chairman Bill Marsh along with
association executives this August for our annual
membership meetings. These luncheons offer a valuable
opportunity to meet with our staff, visit with friends,
discuss current issues facing the Tennessee banking
industry, and receive updates on the most recent initiatives
August 12
Memphis - Memphis Country Club
HIGHLIGHTS:
H
H
H
H
H
H
TBA Overview and What’s on the Horizon
Election Update
Credit Union Study
Regulatory Feedback Initiative
New Fraud Protection Products
TBA Education Programs
undertaken by the TBA. Each meeting begins at 11:30 am
and concludes at 1:00 pm, with lunch included.
REGISTER TODAY!
H Registration is $35
2014 MEETINGS
SPONSORED BY:
H Register online at www.TNBankers.org
H For more information, contact Penny Powlas at
[email protected] or 615-244-4871x115
AUGUST 2014 | THE TENNESSEE BANKER
7
Washington Update
Fighting Elderly Financial Abuse
By Frank Keating, President and CEO, American Bankers Association
E
REGISTRATION
OPENS AUGUST 1!
the bank—behaviors that may identify
whether or not a customer is vulnerable
or currently a victim of financial abuse.
We also offer online training for
frontline employees in a course on
“Elder Financial Abuse,” which points
out the signs and symptoms of elder
abuse and how to act on behalf of an
elderly person who is being victimized.
This course teaches frontline staffers
how to protect a senior’s self-esteem as
well as his or her means of subsistence
when employees suspect that an elderly
person is being harmed financially.
More recently, AARP and ABA’s
Community Engagement Foundation
announced in June their intentions
to work together to protect older
Americans from financial abuse and
exploitation as part of a commitment
to the Clinton Global Initiative.
Our planned efforts with AARP will
help us provide bankers, older Americans, and their caregivers with the tools
they need to thwart financial crimes.
We will conduct research on fraud,
financial caregiving, and age-friendly
banking; create resources for bankers
to discuss prevention of fraud against
older Americans; help banks make
branches age-friendly; and mobilize
bankers in communities across the
country to educate older Americans and
their caregivers about ways to protect
their assets during retirement.
This is on top of innovative and
successful programs that many banks
and state associations already have in
place to protect older customers. By
taking our collective fraud prevention
efforts to the next level, I’m hopeful
the industry can, together, fight this
growing 21st–century crime. ■
Learn more online at:
www.aba.com/Engagement/Pages/
getsmartaboutcredit.aspx
© 2014 American Bankers Association. All rights reserved. Reprinted
with permission.
lderly financial abuse is being
called the “crime of the 21st
century.” Financial fraud and
related crimes that victimize older
Americans also represent a twist on
Willie Sutton’s last-century reason
for robbing banks: Because that’s
where the money is.
People over 50 years old control
more than 70 percent of the nation’s
wealth. The 2010 Census reported
the greatest number and proportion
of people aged 65 and older in census
history: 40.3 million or 13 percent of
the total population.
By 2050, people aged 65 and older
are expected to comprise 20 percent
of the total US population. The fastest-growing segment of America’s
population consists of those 85 and
up. In 2010, there were 5.8 million
people aged 85 or older. By 2050,
there will be a projected 19 million
people aged 85 or older.
As a result of these trends, fraudsters—who are often, sadly, a victim’s
family members or caregivers—are
using new tactics to take advantage of
the growing number of older Americans.
Senior financial abuse is estimated to
cost victims at least $2.9 billion annually, according to a 2011 study.
Older Americans who may have
disabilities or rely on others for help are
most susceptible to scams and other fraud.
As part of banks’ roles as guardians of
people’s money, we think it’s important
and appropriate for the banking industry
to take the lead in preventing elderly
financial abuse.
We have encouraged both bankers
and their customers to understand and
recognize the warning signs and take
precautionary measures to protect seniors
and their bank accounts. Bank employees
are trained to notice red flags like unusual recent withdrawals or a new person
accompanying the older customers to
8 THE
TENNESSEEBankers
BANKER | Association
AUGUST 2014
American
Get Smart About Credit
ABA and AARP Commit to Fight against
Financial Abuse of Older Americans
E
arlier this summer, the American Bankers Association’s
Community Engagement
Foundation and AARP announced
their intentions to work together
to protect the financial security of
older Americans through a planned
Commitment to Action through the
Clinton Global Initiative (CGI). They
anticipate a two–year pledge that will
focus on protecting older Americans
from financial abuse and exploitation.
According to a MetLife study of elder
financial abuse, older adults lose $2.9
billion each year to fraud.
“America’s aging population will
transform the way banks provide
financial services to their customers,”
said Frank Keating, ABA president
and CEO. “Our planned alliance with
AARP will help us provide bankers,
older Americans, and their caregivers
with the tools they need to thwart
financial crimes.”
“Banks play a critical role in protecting the financial security of older Americans and their families,” said Debra
Whitman, AARP executive vice president
for policy, strategy, and international
affairs. “AARP hopes to work with the
American Bankers Association to help
banks become more attuned to the needs
of their customers as they age.”
As part of the expected commitment,
AARP and ABA will conduct research
on fraud, financial caregiving, and
age-friendly banking; create resources
for bankers to discuss prevention of
fraud against older Americans; help
banks make branches age-friendly; and
mobilize bankers in communities across
the country to educate older Americans
and their caregivers about ways to protect their assets during retirement.
“AARP and ABA’s proposed collaboration for age-friendly banking
complements AARP’s Fraud Watch
Network’s efforts to help people spot
and avoid scams, AARP’s initiatives
on caregiving, AARP Foundation’s
ElderWatch and ABA’s youth financial
education campaigns.” said Corey
Carlisle, ABA senior vice president,
bank community engagement.
The first year of the commitment
is expected to focus on gathering
information, including surveys and
collection of information on existing
practices, and the development of new
materials to help educate banks and
consumers. During the second year,
ABA and AARP envision a nationwide
campaign with the goal of reaching
1 million older Americans and their
financial caregivers.
The Clinton Global Initiative was
established in 2005 by President Bill
Clinton. CGI brings together global leaders to create and implement
solutions to the world’s most pressing
challenges. ■
“Banks play a critical
role in protecting the
financial security of
older Americans and
their families”
AUGUST 2014 | THE TENNESSEE BANKER
9
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Gene Neighbor
Executive Vice President
Farmers State Bank
ICBA Bancard/TCM Bank
ICBA Reinsurance
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From the Top
Islands of Opportunity
By John H. Buhrmaster, Chairman, Independent Community Bankers of America
O
ne of the greatest privileges
of serving as your ICBA
chairman is having the
opportunity to attend dozens of state
conventions and drop in on many
community banks across the country. It
is an honor to be able to visit so many
of your states—and if I’m lucky, your
hometown—to meet you, my fellow
community bankers, the very people
at the heart of our nation’s economy.
Over the past three years while
serving on ICBA’s Executive Committee, I have traveled by planes, trains,
and automobiles to your respective
states, and I am looking forward to
several more trips over the next 18
months. While flying cross-country
may seem like the best option for me,
my favorite way to travel is by car.
My road trips so far have included
destinations to great places like Bar
Harbor, ME; Maryville, TN.; Lincoln, NE; and Winfield, AL. I have
been struck by how each time I have
spotted a community bank that it has
been surrounded by other vibrant
small businesses.
Those encounters reminded me of
coming upon an oasis in a desert. This
comes as no surprise, as we all know how
community banks serve as the financial
lifeblood of their communities both large
and small. My personal observations are
simply more proof. There’s no doubt
that community banks drive our nation’s
economy by lending locally and creating
jobs. And the numbers back that up. According to the FDIC, community banks
under $10 billion provide nearly 60
percent of small business loans between
$100,000 and $1 million.
Today, as you read this column a
community bank is closing on a loan
somewhere that will help someone
realize his or her dream of owning a
business. And who knows, that small
business could turn into a future Fortune 500 company.
I am proud to be a part of ICBA,
the only national association entirely
dedicated to community banks and
preserving our ability to help small
businesses whose success is so closely
aligned with ours. Every day ICBA staffers come to work to support the good
2014 Tennessee Bankers Association
Independent Bankers Division
c•o•n•v•e•n•t•i•o•n
October 30 & 31
DoubleTree by Hilton Hotel Nashville Downtown
For more information about this program, contact:
Susan R Taylor, CMP - [email protected]
Senior Vice President of Professional Development
800/964-5525 or 615/244-4871 or www.TNBankers.org
you and your community bank are
doing in your community, knowing
how our industry’s efforts together
are making people’s lives better in so
many different ways throughout the
nation. We have all seen it firsthand:
Community banking is truly a noble
profession of people helping people.
So if you happen to see a 2005
Ford Explorer with New York license
plates parked next to you at your state
convention, remember how much fun
I am having touring the country and
proudly stopping at small businesses
that began with a dream and a community bank loan. That old Ford
is a great example: purchased at a
business started with a community
bank loan, serviced by a mechanic
with a community bank line of credit,
and driven by a community banker
whose little oasis of a bank has been
making dreams come true for four
generations—with the help of our
good friends at ICBA. ■
John H. Buhrmaster is president of 1st
National Bank of Scotia, in Scotia, NY.
E
ach year, community
bankers from across the
state come together at
the Independent Bankers Division
Convention. The afternoon of the
first day includes a special session
on Tennessee’s community banking
landscape, followed by a reception
for all convention participants. The
general session on the following
morning covers current issues of
interest to community banks and
includes the election of division
officers and directors.
AUGUST 2014 | THE TENNESSEE BANKER
11
The Tennessee
Bankers Association
124 Annual
MEETING
th
Event Recap
Bill Marsh Installed as 2014-2015 TBA Chairman
D
elegates to the 124th Annual
Meeting of the Tennessee
Bankers Association, held
June 8–10 at The Breakers in Palm
Beach, FL, elected new officers and
directors during the Tuesday morning
business session. The bankers join
existing board members to guide the
association in 2014-2015.
William “Bill” Marsh, president
and CEO of First Community Bank
in Lewisburg, was installed as the
new chairman in ceremonies during
the closing banquet on Tuesday
evening, accepting the gavel from
the 2013-2014 chairman, Jeff Agee,
president, CEO, and director of First
Citizens National Bank, Dyersburg.
Almost 600 members of the state’s
banking industry, associate member,
and guests attended the convention.
Executive officers elected for
2014-2015 are:
• Chairman – William B. Marsh,
chairman and CEO, First Commerce
Bank, Lewisburg, TN
12
• Chairman-elect
– David C. Verble,
president and CEO,
Citizens National
Bank, Sevierville,
TN
• Vice Chairman
– Gordon Majors,
president and CEO,
The Hardin County
Bank, Savannah, TN
• Immediate Past
Chairman – Jeffrey
D. Agee, president
and CEO, First Citizens National Bank,
Dyersburg, TN.
Agee will remain
© LILA PHOTO
a member of the association’s board of Bill Marsh accepted the chairman’s gavel from Jeff Agee,
directors for the next outgoing chairman.
three years to help
on the TBA board. New directors are:
ensure continuity of leadership.
• East Tennessee – R. Lynn ShipDelegates to the convention also elected
ley, Jr, president and CEO, TriSummit
directors from each of the three grand diviBank, Kingsport, TN
sions of the state to serve three-year terms
124TH ANNUAL MEETING | AUGUST 2014
• Middle Tennessee – Phillip L. Crawford, president and CEO, First Farmers and
Commercial Bank, Pikeville, TN
• West Tennessee – Michael E. Cary,
president and CEO, Carroll Bank and Trust,
Huntingdon, TN
In addition to the directors serving threeyear terms, delegates also selected West
Tennessee banker, H. McCall Wilson, Jr,
to fill two years of an unexpired term that
became vacant with Majors’ election to vice
chairman. Wilson is president and CEO of
The Bank of Fayette County, Piperton, TN.
With the election of the new regional
directors, three directors rotated off of
the board. Completing their terms of
service were:
• C. David Allen, president and CEO,
First National Bank, Lenoir City
• Ronald L. Samuels, chairman, president, and CEO, Avenue Bank, Nashville
• Bruce Hamblen, chairman, president,
and CEO, Farmers & Merchants Bank,
Adamsville
Continuing their terms on the board are:
• Allen McClary, president and CEO,
UBank, Jellico
• Tim Pettus, president, First Farmers
and Merchants Bank,
Columbia
• Hunt Campbell, chairman, president,
and CEO, First Alliance Bank, Cordova
• Ron DeBerry, president and CEO,
Commerce Union Bank, Springfield
• J. Lee Stewart, president, Southern
Heritage Bank, Cleveland
• M. Terry Turner, president/CEO,
Pinnacle Bank, Nashville
As TBA’s governing body, members
of the board are always available for
members to share questions, thoughts, or
suggestions concerning the TBA and the
banking industry. Visit the TBA website,
www.tnbankers.org/about, for a list of
the entire TBA board. ■
© LILA PHOTO
Members of the 2014-2015 TBA executive committee are (L-R) Vice Chairman
Gordon Majors, Chairman William B. Marsh, Immediate Past Chairman Jeff
Agee, and Chairman-elect David C. Verble.
© LILA PHOTO
Middle: Bill Marsh received his chairman’s
pin from wife Carol.
Bottom: New directors elected by delegates
are Michael E. Cary, H. McCall Wilson, Jr,
R. Lynn Shipley, and Phillip Crawford (inset), who was unable to attend this year’s
Annual Meeting.
© LILA PHOTO
AUGUST 2014 | 124TH ANNUAL MEETING
13
Annual Meeting Business Sessions
T
he core of every TBA Annual
Meeting is the business portion
of the program. This year, the
two morning business sessions featured a particularly strong lineup of
speakers and topics.
The final speaker of the morning was
D. Bryan Jordan, chairman, president,
and CEO of First Horizon National
Corporation, which is celebrating its
150 anniversary this year. Jordan’s topic
was Past Success, Current Challenges,
Future Opportunities.
he visited Nashville, Memphis, Knoxville, and several smaller communities
in Tennessee. Keating wanted to
see how a landlocked state was so
prosperous. Chief among his findings were educational reforms, that
Tennessee is a right-to-work state,
and the number of four-lane roads
connecting communities. He took
those ideas back to Oklahoma to
implement.
Among the topics Keating discussed in his presentation were Operation Choke Point, credit unions, QM
loans, and the importance of unity.
Leadership in the Midst of Chaos
was the title of the next presentation
Monday Business Session
TBA Chairman Jeff Agee called
Tuesday Business Session
the 124th annual business program
When the Tuesday session got unto order at 9:00 on Monday, June
derway, Frank Keating, president and
9. Agee, president and CEO of First
CEO of the American Bankers AssoCitizens National Bank in Dyersburg,
ciation, was the first speaker. Keating
welcomed delegates and delivered
thanked Tennessee bankers for their
introductory remarks.
strong support of the ABA and their
The first speaker was James Bullresponse whenever ABA or TBA issues
ard, president and CEO of the Federal
a call to action on issues affecting the inReserve Bank of
St Louis. Bullard’s
Economic Report
was basically positive in nature. He
stressed the fact
that while the
Fed’s monetary
policy stance is
a long way from
“normal,” the Fed
is much closer to
its goals than it has
been in the last five
years. Unemployment is trending
lower, and while
inflation is low, it TBA Chairman Jeff Agee presid- Federal Reserve President James D. Bryan Jordan, First Horizon
is moving steadily ed over the convention business Bullard delivered an economic re- National Corporation, spoke about
port and then took questions from Past Success, Current Challenges,
toward the Fed’s sessions.
Future Opportunities.
the audience.
target. Bullard
took a number of
questions from the audience following
dustry—commenting specifically on the
on the agenda. The speaker was
85-member delegation TBA brought to
his prepared text and was very candid
Mark Green, state senator for District
in his answers. He received high marks
Washington for the annual Washington
22 in the General Assembly. The bigfrom those who attended.
Conference in May. Keating also said
gest deficit in Washington right now is
Next, Lee Moss, chairman of the
that he considers Senator Bob Corker
leadership, Green told the audience.
TBA government relations committee,
to be one of the top three in the Senate.
People will buy into the “leader”
Keating said that when he was a
delivered a report on the major issues
before his “mission,” Green noted.
facing the industry.
candidate for governor of Oklahoma,
If you don’t connect at “heart level”
14
124TH ANNUAL MEETING | AUGUST 2014
Chairman’s
Report
ABA President Frank Keating delivered a report.
Tennessee Senator Mark Green emphasized
that connecting at the “heart level” is key to
strong leadership.
with people, it doesn’t matter how
intelligent your plan. Leaders must
be out in the foxhole with the troops;
they can’t lead from the rear. The
best CEOs, presidents, or politicians
of our day will be the ones who put
themselves last.
Jack Hartings, chairman-elect of
the Independent Community Bankers
of America and president and CEO of
The Peoples Bank Co of Coldwater,
OH, discussed the ICBA’s position
on national issues facing community
banks. Among these were QM loans,
GSE reform, and the farm credit system. He discussed ICBA’s new “Plan
“One year ago we placed
a stake in the ground and
said, ‘This is TBA; this is who
we are; and this is what we
stand for,’” said Jeff Agee in
his Chairman’s Report. In
this year, we have dealt with
change, embraced it, and made
a difference.
Agee thanked Immediate
Past Chairman Andy Smith,
Past TBA President Brad Barrett, and TBA President Colin
Barrett for their example and
their assistance.
One of the first steps Agee took was “enticing” Colin to create
a strategic plan for the association. He did, and we have been busy
enacting it this year.
“Brad Barrett carried our association to levels we had never seen,
and Colin will carry it to an even different level.”
Agee said that the Membership Meetings were one of the highlights
of his leadership year. It was an honor to go across the state and
meet fellow bankers. He commended Amy Smith, Lee Moss, and
Tommy Bates on the record level of BankPac contributions last year
and Debbie Brickles and Susan Taylor on the record attendance at
education programs.
Agee stressed the importance of involvement in TBA’s government
relations program. Our industry has more than 16,000 pages of
regulations to absorb, and DC doesn’t even understand the challenges and problems that presents. He praised Governor Bill Haslam,
Commissioner Bill Hagerty, and Commissioner Greg Gonzales for
their pro-business policies and what those mean for the citizens and
communities in Tennessee.
for Prosperity” that is an extension of
the organization’s Community First Act,
introduced in previous years. The ICBA
decided to take a more ala carte approach
because “it is harder to shoot down 23
separate bills than one inclusive bill.”
Reg relief is critical to community
banks’ ability to serve their communities
and to survive and thrive, Hartings said.
We need your involvement to achieve
this. It is more important now than ever
for bankers to contact their congressmen and express their needs. “Stand
up, step up, and speak up,” Hartings
told the bankers assembled.
continued on page 17
ICBA Chairman Jack Hartings talked
about ICBA’s position on national issues.
AUGUST 2014 | 124TH ANNUAL MEETING
15
University of Tennessee head football coach
Butch Jones gave a coach’s perspective on
the keys to success.
The final speaker of the convention,
Butch Jones, was perhaps the most anticipated—as evidenced by the sea of orange
clothing in the audience that morning. Jones
is the head football coach for the University
of Tennessee. “Nobody owns success,”
said Jones. “It’s rented and must be paid
for each and every day.” One person in
pursuit of excellence rubs off on everyone
in the organization. It is important that
everyone be aligned in pursuit of your goals.
Everyone should have the exact same response to a question. Being a leader is hard
and lonely but never waiver in your plan.
Stay committed to your goals, dreams, and
aspirations and transfer those to your team,
Jones advised. “Show me your friends, and
I’ll show you your future,” he concluded. ■
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Chattanooga, TN 37402
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AUGUST 2014 | 124TH ANNUAL MEETING
17
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2014 Sponsors
PLATINUM SPONSORS
Financial Products and Services, Inc, Nashville, TN – Banquet
FTN Financial – General Sponsor
Investors Title Insurance Company, Chapel Hill, NC
– Dessert Party
Olsen Palmer, Washington, DC – Chairman’s Reception
Pathway Lending, Nashville, TN – Golf Tournament,
Private Reception, and Tote Bags
GOLD SPONSORS
Crowe Horwath LLP, Brentwood, TN – Guest Room Key Cards
Federal Home Loan Bank of Cincinnati, Cincinnati, OH
– Banquet Reception
ICBA Bancard and TCM Bank, and ICBA Mortgage Solutions,
Washington, DC – Continental Breakfasts in Exhibit Hall
SILVER SPONSORS
American Bankers Association, Washington, DC
– General Sponsor
Alexander Thompson Arnold, PLLC, Milan, TN
– Pocket Agenda
Banc Compliance Group, Inc, Franklin, TN – Mobile App
Bankers Healthcare Group, Inc Syracuse, NY
– Tuesday Coffee Bar
Crowell & Crowell, PLLC, Franklin, TN
– Brochure Printing
CRS Data, Knoxville, TN – Banquet Wine
Earl R. Whaley and Company, Alcoa, TN
– Professional Photographs
First Citizens National Bank, Dyersburg, TN
– Refreshments in Exhibit Hall during Registration
First National Banker’s Bank and FNBB Capital Markets,
Birmingham, AL – Grand Prize & Pens
Helms Briscoe, Atlanta, GA – General Sponsor
Mauldin & Jenkins CPA, LLC, Chattanooga, TN
– Monday Coffee Bar
PNC Capital Markets, LLC, Pittsburgh, PA
– Dessert Party Music
Raymond James & Associates, Memphis, TN
– Banquet Table Centerpieces
© LILA PHOTO
BRONZE SPONSORS
CenterState Bank, Brentwood, TN – Bottled Waters
Dixon Hughes Goodman LLP, Memphis, TN – General Sponsor
KraftCPAs PLLC, Nashville,TN – Note Pads
SNL Financial, Charlottesville, VA – General Sponsor
The Plateau Group, Inc, Crossville, TN – General Sponsor
TIB – The Independent BankersBank, Nashville, TN
– Registration Booklets
Travelers, Charlotte, NC – Banquet Reception Music
© LILA PHOTO
AUGUST 2014 | 124TH ANNUAL MEETING
19
Golfers Take to the Ocean Course
for Monday Afternoon Tournament
O
ne reason The Breakers is such a popular
convention site for TBA members is the
resort’s beautiful and challenging 18-hole,
70-par Ocean Course, site of the Monday afternoon
golf tournament. The weather this year could not
have been better.
Sponsored by Pathway Lending, the four-person
scramble tournament featured prizes for the firstand second-place team in three flights plus three
skill-shot prizes.
Congratulations to the winners! ■
FLIGHT 1
First-Place
Chuck Newell, Triumph Bank,
Collierville, TN
Tim Wilson, The Bank of Jackson, Jackson, TN
Tim Stillings, Diebold, Incorporated, Franklin, TN
Tommy Sain, Merchants &
Planters Bank, Bolivar, TN
Second-Place
Glen Hardison, First Commerce
Bank, Lewisburg, TN
Rick Whetzel, First Commerce
Bank, Lewisburg, TN
Rob Wiles, First Commerce
Bank, Lewisburg, TN
Eddie Wiles, First Commerce
Bank, Lewisburg, TN
FLIGHT 2
First-Place
Jim Carter, Pathway Lending,
Nashville, TN
Jeff Hudson, Renasant Bank,
Memphis, TN
Ben Howard, BKD, LLP, Nashville, TN
Mike Griffith, Sandler O’Neill +
Partners, LP, New York, NY
Second-Place
Will Chase, Triumph Bank,
Memphis, TN
Reeves Crabtree, First National
Banker’s Bank, Birmingham, AL
Adam Smith, Butler Snow LLP,
Nashville, TN
Michael Shamblin, Pershing Yoakley
and Associates, PC, Knoxville, TN
FLIGHT 3
First-Place
Jeff Agee, First Citizens National
Bank, Dyersburg, TN
Wynne Baker, KraftCPAs PLLC,
Nashville, TN
Wynne Baker, Jr, KraftCPAs
PLLC, Nashville, TN
Susan Baker, KraftCPAs PLLC,
Nashville, TN
TOURNAMENT SPONSOR:
Second-Place
Danny Maxedon, The Hardin
County Bank, Counce, TN
Charlie Hicks, Meyer-Chatfield
Corporation, Gadsden, AL
Danny L. Smith The Hardin
County Bank, Savannah, TN
Don Woods, Areawide Development Corporation, Alcoa, TN
Closest–to–the–Pin – 5’2”: Kent Vaught, Renasant Bank,
Maryville, TN
Longest Drive – 298 yards: Wynne Baker, KraftCPAs PLLC,
Nashville, TN
Straightest Drive: Tim Wilson, The Bank of Jackson, Jackson, TN
20
124TH ANNUAL MEETING | AUGUST 2014
AUGUST 2014 | 124TH ANNUAL MEETING
21
2014 Exhibitors
AmTrust Group, Cleveland, OH
Harland Clarke, San Antonio, TX
Bank Financial Services Group,
Nashville, TN
High Cotton, Birmingham, AL
Bankers Healthcare Group,
Syracuse , NY
Investment Professionals, Inc,
San Antonio, TX
Brightbridge Inc, Chattanooga, TN
Business Credit Reports, Gallatin, TN
Investors Title Insurance Company,
Chapel Hill, NC
Cardinal Software, Johnston, IA
KraftCPAs PLLC, Nashville, TN
Clarity Appraisal Management,
Nashville, TN
Level 5, LLC, Atlanta, GA
Crescent Mortgage Company,
Knoxville, TN
Crowell & Crowell, PLLC, Franklin, TN
Holtmeyer & Monson, Memphis, TN
Mauldin & Jenkins LLC,
Chattanooga, TN
Ncontracts, Brentwood, TN
D&H, Portland, OR
NFP Executive Benefits,
Brentwood, TN
Diebold, Incorporated, Nashville, TN
Office Depot, Nashville, TN
Eclipse Brand Builders, Alpharetta, GA
Pershing Yoakley & Associates,
Knoxville, TN
Federal Home Loan Bank,
Cincinnati, OH
Federal Reserve Bank,
Germantown, TN
Promontory Interfinancial Network,
LLC, Arlington, VA
TransFund, Tulsa, OK
Financial Products and Services, Inc,
Nashville, TN
Travelers, Charlotte, NC
First Community Mortgage,
Murfreesboro, TN
Works24, Goodlettsville, TN
Triumph Mortgage, Collierville, TN
GRAND PRIZE GIVEAWAY WINNER
Shelby Quinn, Decatur County Bank, Decaturville, won the $1,000 grand prize
in the Exhibit Hall. To her left is Reaves Crabtree and on the right are Charles
Kown and Charles Morris, all representing First National Banker’s Bank and FNBB
Capital Markets, which sponsored the prize.
22
124TH ANNUAL MEETING | AUGUST 2014
AUGUST 2014 | 124TH ANNUAL MEETING
23
2014 Exhibitors
24
124TH ANNUAL MEETING | AUGUST 2014
AUGUST 2014 | 124TH ANNUAL MEETING
25
2014 Annual Meeting in Photos
© LILA PHOTO
TBA new executive committee (L-R) Gordon and Jeanie Majors;
Bill and Carol Marsh; Jolie and Jeff Agee; and David Verble and
Donna Kidd.
26
124TH ANNUAL MEETING | AUGUST 2014
© LILA PHOTO
Newly elected TBA directors (L-R) Michael and Susan Cary; McCall
Wilson, Jr; and Lynn and Kathy Shipley.
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(615)790-0542 | www.crowellandcrowell.com
AUGUST 2014 | 124TH ANNUAL MEETING
27
2014 Annual Meeting in Photos
28
124TH ANNUAL MEETING | AUGUST 2014
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AUGUST 2014 | 124TH ANNUAL MEETING
29
2014 Annual Meeting in Photos
© LILA PHOTO
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124TH ANNUAL MEETING | AUGUST 2014
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AUGUST 2014 | 124TH ANNUAL MEETING
31
Government Advocacy
2014 BankPac Campaign on Track
to Set New Records
T
BA BankPac, the nonpartisan
political action committee of
the Tennessee Bankers Association, serves as the exclusive PAC
dedicated to representing the banking
industry in the state. Over the past
several years, TBA has grown the total dollars contributed and increased
the number of institutions that give,
making BankPac one of the largest
and most successful PACs in Tennessee.
In 2013, BankPac raised over
$200,000 for the first time ever in a
single year. By yearend, BankPac received $202,733 from 126 contributors,
including banks and associate members. The 2014 BankPac campaign is on
track to break more records. Midway
through the year, as of July 11, 2014,
BankPac had already raised $152,468
from 88 banks and associate members.
Below is a list of contributors that
have supported BankPac this year.
If your institution has not yet contributed to BankPac’s 2014 campaign,
please consider making a contribution as soon as possible. For more
information about BankPac or to
contribute, please contact Amy Smith
at [email protected].■
BankPac Contributors
As of July 11, 2014
Daniel W. Small & Company, Ashland City
Athens Federal Community Bank, Athens
Citizens National Bank, Athens
SouthEast Bank, Athens
First National Bankers Bankshares, Inc,
Birmingham, AL
ServisFirst Bank, Birmingham, AL
Citizens Bank, Carthage
CapitalMark Bank & Trust, Chattanooga
First Volunteer Bank, Chattanooga
F&M Bank, Clarksville
Legends Bank, Clarksville
Southern Heritage Bank, Cleveland
Peoples Bank, Clifton
The Bank of Fayette County, Collierville
First Farmers and Merchants Bank, Columbia
Putnam 1st Mercantile Bank, Cookeville
Highland Federal Savings and Loan
Association, Crossville
Community National Bank, Dayton
Decatur County Bank, Decaturville
Citizens Tri-County Bank, Dunlap
Mountain Valley Bank, Dunlap
Citizens Bank, Elizabethton
Traditions First Bank, Erin
Bank of Frankewing, Frankewing
Tennessee Bank and Trust, a Division of Farmers
Bank & Trust, Franklin
32
THE TENNESSEE BANKER | AUGUST 2014
Bank of Gleason, Gleason
Greeneville Federal Bank, FSB, Greeneville
Citizens Bank, Hartsville
Chester County Bank, Henderson
Carroll Bank and Trust, Huntingdon
BancorpSouth Bank, Jackson
Scott - Riddle Consulting, Jackson
Progressive Savings Bank, Jamestown
First Peoples Bank of Tennessee, Jefferson City
UBank, Jellico
TriSummit Bank, Kingsport
Clayton Bank and Trust, Knoxville
Citizens Bank of Lafayette, Lafayette
Macon Bank and Trust Company, Lafayette
Peoples Bank of the South, LaFollette
Lawrenceburg Federal Bank, Lawrenceburg
First Freedom Bank, Lebanon
Wilson Bank & Trust, Lebanon
First Commerce Bank, Lewisburg
Community Bank, Lexington
FirstBank, Lexington
American Bank & Trust of the Cumberlands,
Livingston
Peoples Bank of East Tennessee, Madisonville
Volunteer Federal Savings Bank, Madisonville
Peoples Bank & Trust Company, Manchester
Citizens Bank of Blount County, Maryville
The First National Bank of McMinnville, McMinnville
Government Advocacy
Government Advocacy
Commercial Bank & Trust Co, Memphis
Evolve Bank & Trust, Memphis
Paragon Bank, Memphis
Triumph Bank, Memphis
Trustmark National Bank, Memphis
The Bank of Milan, Milan
Jefferson Federal Bank, a branch of HomeTrust Bank,
Morristown
Farmers State Bank, Mountain City
Johnson County Bank, Mountain City
MidSouth Bank, Murfreesboro
Avenue Bank, Nashville
Citizens Savings Bank and Trust Company, Nashville
Pinnacle Bank, Nashville
Regions Bank, Nashville
Tennessee Bankers Association, Nashville
US Bank, NA, Nashville
Citizens Bank, New Tazewell
Home Federal Bank Corporation, New Tazewell
Newport Federal Bank, Newport
The First National Bank of Oneida, Oneida
F O C U S
O N
Tennessee State Bank, Pigeon Forge
First Farmers and Commercial Bank, Pikeville
The Farmers Bank, Portland
Volunteer State Bank, Portland
First National Bank of Pulaski, Pulaski
The Hardin County Bank, Savannah
Citizens National Bank, Sevierville
Sevier County Bank, Sevierville
First Community Bank of Bedford County,
Shelbyville
Commerce Union Bank, Springfield
First Century Bank, Tazewell
Farmers and Merchants Bank, Trezevant
American City Bank of Tullahoma, Tullahoma
Southern Community Bank, Tullahoma
First State Bank, Union City
Reelfoot Bank, Union City
Wayne County Bank, Waynesboro
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THE TENNESSEE BANKER | AUGUST 2014
T E N N E S S E E B A N K E R S A S S O C I AT I O N
Compliance
CONFERENCE
October 1 & 2, 2014 • Nashville Airport Marriott
The Challenge of Change
A
re you finding the whole
new world of compliance
and regulatory changes a
challenge? If so, you are not alone.
The financial industry continues to be
exposed to an unprecedented volume
of changes—changes to the rules,
forms, disclosures, industry supervisory structures, and exam expectations.
To help clarify your understanding of these changes, TBA will conduct its fourth annual, two-day
Compliance Conference, October 1
and 2, at the Nashville Airport Marriott. Addressing the most current
compliance issues facing our banks,
the program will bring together a
diverse group of topics and solutions
presented by nationally recognized
experts, local and regional regulators, and examiners.
The Compliance Conference offers TBA members timely and convenient educational and shared-knowledge experience second to none at
a fraction of the cost to attend a
national program.
Register now to take advantage
of the early registration pricing and
reserve your hotel accommodations
before the September 10 cutoff date
to receive the special conference rate.
Who Should Attend
The content of the Compliance Conference was developed for compliance
officers, loan administration personnel,
loan operations personnel, lenders, auditors, senior level officers, and others
who have the primary responsibility
of meeting the regulatory compliance
requirements covered in the conference
topics. It is structured for those with
intermediate to advanced levels of experience.
Participation in TBA programs is
limited to TBA members, associate
member, and nonmembers from an
eligible membership category.
Conference Highlights
The conference will open with reg-
istration at 8:00 am on Wednesday,
October 1, and the first session will
convene at 8:30 with a welcome from
TBA President Colin Barrett and a
program overview from Compliance
Committee Chairman Kathy Hoskins,
executive risk officer with Citizens
Bank, New Tazewell.
The first general session will include an update on national issues
delivered by Rod Alba, vice president, mortgage finance, and senior
regulatory counsel for the American
Bankers Association. The Consumer
Financial Protection Bureau (CFPB)
has been invited to present an update
on that agency.
This will be followed by concurrent breakout sessions covering:
• HMDA – Aaron Rykowski, vice
president and senior compliance officer, Fifth Third Bank, Cincinnati, OH
• CRA – Kevin Kane, founder and
president, Financial Regulatory Consulting, Inc, New York, NY
continued next page
Our Sponsors
Wednesday – October 1
Crowell & Crowell, PLLC,
Franklin, TN – Printed Booklets
KraftCPAs PLLC, Nashville, TN
– Continental Breakfast
Gray CPA, PLLC, Murfreesboro,
TN – Luncheon
Banc Compliance Group, Inc, Franklin,
TN – Reception & Mobile App
Thursday – October 2
Alexander Thompson Arnold,
PLLC, Milan, TN
– Continental Breakfast
Clarity Appraisal Management, LLC,
Nashville, TN – Coffee Break
General Sponsor
Ncontracts, Brentwood, TN
AUGUST 2014 | THE TENNESSEE BANKER
35
2014 Compliance Conference
continued
• UDAAP – Scott Williams, partner,
Farris Bobango, PLC, Nashville, TN
• Deposit Hot Topics – G. Chris
Finnegan, assistant regional director,
Federal Deposit Insurance Corporation, Memphis, and Coralyn Becton,
compliance examiner, Federal Deposit
Insurance Corporation, Nashville, TN
The luncheon speaker is Greg Gonzales, commissioner of the Tennessee
Department of Financial Institutions.
The afternoon general session begins with a Regulatory Panel moderated by June Crowell, member, Crowell
& Crowell, PLLC, Franklin. Panelists
include G. Chris Finnegan, assistant
regional director with the FDIC in
Dallas, Rachel Webster, Director
of Examinations with the Federal
Reserve Bank of Atlanta, and Molly
McKnight, district compliance lead
with the OCC in Washington, DC
plus representatives from the CFPB.
The final topic of the day is Fair
Lending featuring Jeff Tate, fair lending examination specialist with the
FDIC in Dallas.
The first day of the conference ends
with a reception sponsored by Banc
Compliance Group, Inc, Franklin.
Thursday begins at 8:30 with a continental breakfast, and Hoskins will
call the conference to order at 8:55.
A Senior Bank Compliance Officer
Panel is the first session on the day’s
agenda. The moderator is Connie
Edwards, president/owner of Banc
Compliance Group, Inc, and the
panelists are Greg Sawyers, Southeast Bank, Knoxville; Karina Simon,
The Hardin County Bank, Savannah;
Mary Brown, Community National
Bank, Rossville, GA; and Nikki Winters, FirstBank, Lexington.
Following the panel, attendants
will have their choice of breakout
sessions to attend. These include:
• Flood-Biggert Waters Act – David
36
Clukie, URS Corporation, Atlanta, GA
• Trust-in-Lending/RESPA – Connie Edwards,
Banc Compliance Group, Inc, Franklin, TN
• Third-Party Risk – Linda Finck and Tim
Evans, both with the Federal Deposit Insurance
Corporation, Nashville, TN
• CFPB Final Rule Guidance – Aaron
Rykowski, Fifth Third Bank, Cincinnati,
OH.
The luncheon
speaker on Tuesday
is Blair Rugh, director of compliance
with TriComply a
2014 Compliance Committee
Chairman: Kathy Hoskins, Executive Risk Officer,
Citizens Bank, New Tazewell
Alecia Purtteman, Manager, CIA, CCBIA, Alexander
Thompson Arnold, PLLC, Jackson
Barbara Broshears, Senior Vice President/Chief Compliance
Hoskins
Officer, Mountain Commerce Bank, Erwin
Connie Edwards, President, Banc Compliance Group, Inc, Franklin
David Barnes, Executive Vice President, Chief Operations Officer,
Civic Bank & Trust, Nashville
Jill Allison, Compliance Officer, First Bank of Tennessee, Dayton
June Crowell, Member, Crowell & Crowell, PLLC, Franklin
Linda Scholl, Vice President, Compliance/BSA/Audit, Brighton Bank,
Brighton
Lynn Riddle, Partner, Scott-Riddle Consulting PLLC, Jackson
Mark McDowell, Senior Vice President, Chief Compliance Officer,
Commerce Union Bank, Springfield
Amy Greene, Supervisor, Assurance Services , Kraft CPAs PLLC, Nashville
Nina Gourley, Audit Manager, Watkins Uiberall, PLLC, Memphis
Rebecca Jones, Vice President/Compliance Officer, First Community
Bank of Bedford County, Shelbyville
Scott Williams, Partner, Attorney, Farris Bobango, PLC, Nashville
Tina Cline, First Vice President, Senior Compliance Officer, First
Century Bank, Tazewell
Tina Stalion, Vice President/Compliance Officer, Carroll Bank
and Trust, Huntingdon
THE TENNESSEE BANKER | AUGUST 2014
division of TriNovus, a Temenos Company, Orlando, FL. Rugh is one of the
pre-eminent experts in banking compliance with over 40 years’ experience in
all aspects of banking law and regulations.
The final session of the conference is
Managing Your Compliance Program,
which features a panel composed of
senior compliance officers from four
different Tennessee community banks
representing a cross-section of asset sizes.
Mark McDowell, Commerce Union Bank
in Springfield, TN, will moderate the panel. The panelists are Tina Cline,
First Century Bank, Tazewell; Marci Koster, Avenue
Bank; Jennie Runions, Peoples Bank, Waynesboro; and
Heather Ledbetter, Commercial Bank & Trust, Jackson.
The 2014 Compliance Conference is
scheduled to adjourn at 3:00.
Hotel Information
The Nashville Airport Marriott is
holding a limited block of rooms on a
first-come, first-served basis at the special
group rate of $129 per night.
September 10 is the deadline to reserve
accommodations at this rate. When the
allotted room block sells out, room rates
return to standard prices on a space-available basis, even if it is before the September 10 deadline.
To reserve accommodations, call the
hotel directly at 615-889-9300 and specify
that you are attending the Tennessee Bankers Association’s fourth annual Compliance
Conference.
Registration Fees
Registration fees cover instruction;
continental breakfast, refreshment
breaks, and lunch on both days; and
reception on Wednesday. Please register
early as seating is limited for this conference.
Registrations received in the TBA office by the close of business on September
17 qualify for early registration fees of
$440 for TBA members and associate
members and $880 for nonmembers.
After September 17, fees increase by $30
to $470 and $910, respectively.
All day-of-program registrants
will be assessed an additional $50
late registration fee.
Visit the calendar page on the
TBA website, www.TNBankers.
org/calendar, and click on the program date to register online or to
download a copy of the Compliance
Conference brochure containing
complete information and a printable registration form.
If you have questions about
the program, please e-mail Debbie
Brickles, dbrickles@TNBankers.
org, or call 615-244-4871 or 800964-5525. ■
When it comes to the banking industry,
KraftCPAs has the bases covered.
• External & internal audit
• SOX documentation & testing
• Compliance reviews
• Loan reviews & grading systems
• Employee benefit plan audits
• Information systems assurance
& consulting
• FFIEC audits
• Risk assessment
• External penetration testing
• Internal penetration testing
• Merger/acquisition assistance
• Forensic accounting
• Valuation services
• Enterprise risk management
• Tax planning & compliance
• Social engineering
In Nashville, contact
Wynne E. Baker - 615-782-4230
Gina Pruitt - 615-782-4207
In Columbia, contact
Beverly Horner - 931-388-3711
www.kraftcpas.com/banking.htm
AUGUST 2014 | THE TENNESSEE BANKER
37
SouthEast Bank and EverFi Honor
140 High School Graduates of Web-Based
Financial Education Program
Over 8,000 students reached through financial literacy program since 2012
I
n May, Tennessee State Senator
Bo Watson, Hamilton County
School District CTE Director
David Cowan, SouthEast Bank,
and educators from Tyner Academy honored over 140 graduates
from the SouthEast Bank Financial
Scholars Program, a financial education course designed to empower
young people with the essential skills
needed to make sound financial decisions. SouthEast Bank partners with
38
TBA-endorsed EverFi, Inc, a leading
education technology company, to
make the interactive, web-based financial management program available
free-of-charge to all Hamilton County
schools.
“Hamilton County Schools strive
to create well-rounded students in all
aspects of life, inside and outside the
classroom,” said Hamilton County
School District CTE Director David
Cowan. “The SouthEast Bank Finan-
THE TENNESSEE BANKER | AUGUST 2014
cial Scholars Program ensures that
our students are better prepared for
the future and the financial challenges it will bring.”
Students at Tyner Academy were
recognized for their outstanding
work in completing the program.
In addition to Senator and Speaker
Pro Tempore Bo Watson and School
Director Cowan, the event included
remarks from Tyner Academy Principal Carol Gross, SouthEast Bank
President and COO Lloyd Montgomery, and student representatives
who completed the SouthEast Bank
Financial Scholars Program at Tyner
Academy.
“SouthEast Bank is committed to
making a positive impact on the communities we serve,” said SouthEast
Bank’s Montgomery. “This is why
we are so proud to sponsor EverFi
and their innovative financial literacy
education program for schools like
Tyner Academy and across Tennessee.”
Through the partnership with
EverFi, SouthEast Bank offers the
program to students at no cost to
the schools or the taxpayer. The
web-based program uses the latest
in new media technology—simulations, avatars, gaming and adaptive-pathing—to bring complex
financial concepts to life for today’s
digital generation. The high school
course provides over six hours of
programming with 10 units in a
variety of financial topics including credit scores, insurance, credit
cards, student loans, mortgages,
taxes, stocks, savings, 401(k)s, and
other critical concepts that map to
national financial literacy standards.
The platform uniquely tracks the
progress and performance of every
student and provides students who
successfully complete the course
with a Certification in Financial Literacy, a valuable mark of distinction
on college applications and resumes.
“It is more important than ever
to arm Tennessee students with the
skills to make sound financial decisions,” said Senator Watson. “We
are grateful for these public private
partnerships that enable us to bring
these important resources to schools
in our district.” ■
T
ER
About EverFi
to AnOTHER (FOHTA). Pharrell
EverFi, Inc, is the leading education
launched a new community edutechnology company focused on teachcation initiative in his hometown
ing, assessing, and certifying K-12 and
of Virginia Beach, VA. EverFi
college students in the critical skills they
will provide digital learning
need for life. The company teams with
opportunities to students
major corporations and foundaa t t e n d i n g F O H TA’s
tions to provide the programs
S E E BA
S
E
NK
N
EN
Summer of Innovation
at no cost to K-12 schools.
Camps, with plans
Some of America’s leadEndorsed P
artner to expand to local
ing CEOs and venture capschools this fall.
T BA
ital firms are EverFi invesapproved
Pharrell headlined
tors, including Amazon founder
a kickoff event at his
and CEO Jeff Bezos, Twitter
alma mater, Princess Anne
founder Evan Williams, Rethink EdHigh School, and more than 800
ucation, New Enterprise Associates, Inc.
students, administrators, and
(NEA), and Tomorrow Ventures (the
community members welcomed
investment arm of Google Chairman
him home.
Eric Schmidt). To learn more about EverFi,
One of EverFi’s most recent supportvisit www.everfi.com or contact
ers is Grammy award-winning producer
TBA’s Stacey Langford via e-mail
and performer Pharrell Williams and his
to [email protected].
educational nonprofit From One Hand
S
AUGUST 2014 | THE TENNESSEE BANKER
39
September 23 & 24
Southeastern Institute for IRA Training
Win the Race to IRA Expertise
When working with IRAs, do you ever feel like you are
on a treadmill to nowhere? You put in the time and the
miles, but you never cross the finish line toward actual
comprehension.
W
hether you are looking to
gain basic knowledge of
IRAs, raise your comfort
level, or sharpen your skills with the
most up-to-date rules and regulations,
TBA’s Southeastern Institute for Individual Account Training is the best
option to help you win the race to
IRA expertise.
The program is scheduled for
September 23 and 24 at the Franklin
Marriott Cool Springs. The instructor is Patrice Konarik, president
of Sunwest Training Corporation,
recognized as one of the country’s
top experts in retirement and new
account training.
The first day of the institute is
devoted to the basics, beginning
with the terms and forms used to
create IRA plans. Konarik’s presentation is not forms specific, and
those who attend are encouraged to
bring samples of your institution’s
commonly used IRA forms. Next,
Konarik will review the various IRA
plan types along with qualifications,
new contribution limits, and other
regulations.
On the next morning, Konarik
will cover intermediate and advanced
40
issues, including qualified plan rollovers
and distributions. The program will
adjourn at noon.
Each participant will receive Sunwest
Training’s IRA Training and Reference
Manual which will serve as a handbook
back in the bank.
Who Should Attend
The institute was developed for all
personnel involved with IRAs:
• New account representatives
• CD personnel
• Savings counselors
• Account holder service representatives
• Investment and trust personnel
who are newly involved in the opening, selling, marketing, or administration of IRAs
• Officers or managers who oversee the IRA department and may
be responsible for answering IRA
questions or concerns but does not
actually open the accounts
• Experienced IRA personnel who
like a slower-paced workshop to cover
all the new changes in a comprehensive manner.
Participation in TBA program is
limited to members, associate members, and nonmembers from an eligible membership category.
Hotel Information
This one-and-a-half day program
will be held at the Franklin Marriott
Cool Springs, and TBA has arranged
for a limited number of rooms at a
Program Speaker
Patrice M. Konarik is president of Sunwest Training Corporation founded over 20 years ago and located in the
Texas Hill Country near San Antonio, TX. With over 30
years’ experience in the financial industry, Konarik has
focused her expertise on the retirement and new account
areas and currently provides live training and webinars on
these subjects on a nationwide basis. She has a BS degree in management
science from New York’s Binghamton University. Many state banking
associations and other organizations use her as their main source for
training on these complicated topics. Konarik’s upbeat personality and
former banking experience easily encourage interaction and questions
during the training sessions.
THE TENNESSEE BANKER | AUGUST 2014
NOTE: You are encouraged to bring a sample of the IRA forms your financial
institution currently uses including application, contribution and distribution
forms, and rollover review or certification forms.
special group rate of $155 per night
single/double occupancy.
Tuesday, September 2 is the cutoff date for the special group rate.
When the allotted room block is
sold, room rates will return to standard prices on a space-available basis, even if it is before the September
2 deadline. All unreserved rooms in
the block will be released for general
sale at midnight on September 2,
and reservations received after that
date will be accepted on a space- or
rate-available basis. Please make
your overnight arrangement early
to assure you receive the special
TBA rate.
To reserve accommodations, call
the hotel directly at 615-261-6100
and ask for the Tennessee Bankers
Association block of rooms to receive the special group rate.
All day-of-program registrants will
be assessed an additional $50 late
registration fee, so please register in
advance.
Visit the TBA website to register
online for The Southeastern Institute
for IRA Training or to download a
brochure containing complete information about the program and a printable
registration form.
If you have questions about this
program, please contact Susan Taylor,
CMP, via e-mail to [email protected] or call her at 615-244-4871 or
800-964-5525. ■
Registration Information
Registration fees for The Southeastern Institute for IRA Training
cover instruction; Sunwest Training
IRA Training and Reference Manual;
continental breakfast and refreshment breaks both days; and lunch
on Tuesday.
Registrations received in the TBA
office by the close of business on September 10 qualify for early registration fees of $440 for TBA members
and associate members and $880
for nonmembers.
After September 10, fees
increase to $470 for members and $910 for nonmembers.
AUGUST 2014 | THE TENNESSEE BANKER
41
September 8, 9, 10, 11
BSA/AML Compliance Management
C
oming in September, TBA will
conduct the 2014 BSA/AML
Compliance Management
program in four locations across the
state. The instructor is Ken Golliher,
a principal with Pegasus Educational
Services, LLC, which developed the
program content.
This full-day seminar is our flagship BSA/AML training event. It addresses all key Bank Secrecy Act (BSA)
responsibilities, from CTR and SAR
filing to record retention. It will also
review the required elements of your
anti-money laundering (AML) program, from CIP to enhanced due diligence. The program will incorporate
recent changes and major proposed
changes—and there have been plenty
in the last 12 months.
Seminars are scheduled for September 8 in Kingsport, September 9 in
Knoxville, September 10 in Jackson,
and September 11 in Nashville.
The program will incorporate recent changes
and major proposed changes—and there have
been plenty in the last 12 months.
Program Overview
BSA is one of the few regulations
where compliance is so critical that it
is classified as a “safety and soundness” issue. Regulations require every
bank to have an ongoing Bank Secrecy
Act training program, and examiners
routinely ask for evidence of recent
training—even for experienced BSA
personnel.
Add to this the fact that SAR-filing
requirements are one of the most difficult compliance responsibilities your
institution has, and the BSA/AML
Compliance Management program
becomes critical to your personnel’s
training.
Golliher will provide a comprehensive
overview of the following BSA/AML compliance issues:
Who Should Attend
This program was developed for
personnel who have responsibility for
maintaining or auditing Bank Secrecy
Act compliance efforts.
Attendants qualify for 6.5 hours of
COE credit in the area of specialized
knowledge and application.
Participation in TBA programs is
limited to members, associate members,
and nonmembers from an eligible membership category.
42
• Anti-money laundering programs
• Customer–identification programs
• Due diligence and enhanced due
diligence
• Currency transaction reporting
(CTR)
• CTR filing exemption process
• 314(a) queries
• Record retention
• Official checks
• Wire transfers
• Suspicious activity reporting
Each participant will receive a reference manual covering the program
topics and containing vital information
they will take back to the bank and use
ongoing.
Registration Fees
Fees for the BSA/AML Compliance
Management program cover instruction,
reference manual, continental breakfast,
refreshment breaks, and lunch.
Registrations received in the TBA
office by the close of business on August 29 qualify for early registration
pricing—$220 for TBA members and
THE TENNESSEE BANKER | AUGUST 2014
BSA/AML RECENT
DEVELOPMENTS
• Possible “due diligence” regulations requiring banks to identify beneficial owners are still
pending
• “IT modernization” is fully
implemented, and all depository
institutions are filing electronically
• Guidance on SAR and CTR
completion has been published
• Notable trends in BSA–related enforcement actions are
apparent
associate members and $440 for nonmembers. After August 29, those fees
increase by $30.
All day-of-program registrants will
be assessed an additional $50 late
registration fee, so please register in
advance.
To register for the BSA/AML
Compliance Management seminar in
your area, visit the calendar page of
the TBA website, www.TNBankers.
org/calendar, and click on the event.
There you may register online or
download a copy of the program brochure containing complete information and a printable registration form.
If you have questions about this
program, please contact Debbie
Brickles via e-mail to dbrickles@
TNBankers.org or call her in the
TBA office at 615-244-4871 or 800964-5525. ■
On the Horizon
Upcoming Regional Workshops
ENTERPRISE RISK MANAGEMENT
TRAINING THE CREDIT ANALYST
August 19 – Nashville, TBA Barrett Training Center
August 26 & 27 – Nashville, TBA
Barrett Training Center
Early registration deadline: August 4
As we see an end to the banking crisis, it is clear that
our regulators have shifted their focus to enhancing
banks’ risk management procedures. Dodd-Frank and
BASEL III are the most prominent examples of this focus.
Although some unintended consequences for the industry
have resulted from these discussions, it is also true that
improving how we do business is crucial for survival
going forward.
This program is presented as the next generation
in enterprise risk management workshops. The first
generation focused on definition, while this one examines
what we know at this time about activities associated
with ERM. Stress testing is the key to the issue, and the
speakers will examine what we know about those tests.
Early registration deadline: August 12
TBA contact: Susan Taylor - [email protected]
Senior Vice President of Professional Development
TBA contact: Susan Taylor - [email protected]
Senior Vice President of Professional Development
BASIC CONSUMER LENDING
August 28 & 29 – Nashville, TBA Barrett
Training Center
Early registration deadline: August 14
This two-day program is designed to
provide lenders and analysts the tools required to understand and use financial information provided by borrowers. The key to producing high-quality
analysis is being able to understand the actions or inactions
of your borrower’s management team. You then must be
able to ask the borrower the “right” questions.
The goal is to measure risk, develop loan structure, and
assure the capacity to repay the loan. The loan officer/analyst must be able to communicate that information to the
loan committee and the customer. Ultimately, good loan
officers are able to provide value-added information that
allows their borrowers to make better business decisions.
IRS REPORTING FOR FINANCIAL
INSTITUTIONS
September 4 – Nashville, TBA Barrett Training Center
Early registration deadline: August 28
This two-day basic program was developed for
those charged with organizing and managing consumer
loans. It will address credit decision-making as well
as the human relations aspect of lending.
This program includes case studies and
role playing to acquaint you with effective
interviewing skills and to improve your
credit decisions. It also contains a discussion on the concepts of secured lending
and an analysis of decision-making.
This seminar was developed for branch managers,
assistant branch managers, collection managers, personal bankers, management trainees, loan review staff,
and those interested in learning more about consumer
lending and consumer underwriting.
This program takes the mystery out of the IRS
Information Return Program. It is designed to assist US
financial institutions in evaluating procedures for creating
relationships with customers and vendors, integrating
applicable changes for the current tax year, and laying the
groundwork for a “reasonable cause” defense. This full-day
seminar outlines an effective IRS compliance program.
It gives practical advice on procedural issues and outlines
actions required in response to a B-notice (CP2100) and a
Notice of Proposed Penalty (972 CG). Changes and recent
developments are highlighted throughout the program. This
includes a detailed overview of the requirement to report
interest paid to nonresident aliens and best practices for
obtaining and maintaining the required Form W-8 BEN.
TBA contact: Susan Taylor - [email protected]
Senior Vice President of Professional Development
TBA contact: Debbie Brickles - [email protected]
Senior Vice President of Training and Development
AUGUST 2014 | THE TENNESSEE BANKER
43
Bank Notes
Franklin Synergy Bank Acquires MidSouth Bank
Franklin Synergy Bank, Franklin, has completed its acquisition
of MidSouth Bank, Murfreesboro,
creating a bank of more than $1
billion in assets. The two banks
first entered a merger agreement last
November in a stock transaction
totaling $38 million, the first bank
deal locally since 2012.
The combined banks will operate
as Franklin Synergy Bank, and the
headquarters will remain in Franklin. Based on FDIC data as of March
31, 2014, the bank will have around
$1.1 billion in total assets, including
$641million in total loans.
“This merger is a continuation
of our strategy to expand selectively our geographic footprint in
contiguous markets with longterm growth potential,” Richard
Herrington, chairman and CEO
of Franklin Synergy Bank. “MidSouth customers and Rutherford
County will benefit from the continued presence and engagement of
a locally managed bank.”
The deal adds five former MidLee Moss
South Bank locations in Ruther- Richard Herrington
ford County to Franklin Synergy
lin Synergy’s new president. “We are
Bank’s six existing locations in Wiluniting two strong community banks
liamson County. In all, the bank has
and creating a dominant community
approximately $977 million in total
bank in the Middle Tennessee bankdeposits.
ing market with greater competitive
“This merger creates tremendous opstrength, growth potential, and profportunities to build on the successes that
itability.”■
each company has achieved individually
in its own markets,” Lee Moss, Frank-
BankTennessee Celebrates New Middle Tennessee Headquarters with Ribbon Cutting
In late June, BankTennessee hosted
a ribbon cutting at its new location in
Lebanon to celebrate the opening of the
two-story, 7,200 square-foot Middle
Tennessee headquarters located on a
1.85 acre site at 355 South Hartmann
Drive. Local dignitaries, the bank board
of directors, and Tennessee Department
of Financial Institutions Commissioner
Greg Gonzales attended the event.
“Lebanon is growing, and we are
growing with it. This is a vibrant market, and since establishing our office
here in 2007, we have seen significant
growth in the community. In fact, we
quickly outgrew our location on Signature Place, and it’s important for us to
have a strong presence in the community
with a highly visible, accessible site,”
said Tom Paschal, the bank’s Middle
Tennessee president. ■
BankTennessee board of directors with TDFI Commissioner Greg Gonzales, ( L-R) Wright Cox, Gene Mathis, Alex Richmond,
Middle Tennessee President Tom Paschal, Board Chairman Joel Porter, Commissioner Gonzales, Jim Rout, David Kustoff, David
Wild, and, Randy Lankford.
44
THE TENNESSEE BANKER | AUGUST 2014
United Community
Banks, Inc, Acquires
Commercial Lender—
Business Carolina, Inc
United Community Banks, Inc,
a Georgia-based bank holding
company of United Community
Bank, with branches in Tennessee,
has acquired Business Carolina,
Inc (BCI), a commercial lender
based in Columbia, SC. The acquisition includes approximately
$25 million of loans, $6 million
of other assets, and substantially
all of BCI’s employees. BCI will
operate as a division of United
Community Bank under its trade
name of BCI Lending throughout
UCB’s footprint. The company
specializes in SBA and USDA
loans helping fund small businesses with everything from acquiring
land and renovating facilities to
purchasing equipment and refinancing debt as well as funding
for startup companies. ■
Commercial Bank
& Trust Named in Top
15th Percentile
of Community Banks
Seifried & Brew, a community
bank risk management firm, has
named Commercial Bank & Trust
Co, Paris, in its 2013 Top 15th
percentile of community banks.
Seifried & Brew said Commercial
Bank not only survived the financial crisis, but actually thrived. To
gain entry into the ranking, the
bank demonstrated exemplary
performance of balancing risk and
reward based on the bank’s S&B
total risk/return composite ranking. S&B ranks institutions with
assets between $100 million and $5
billion. Commercial Bank& Trust
Co is a full-service bank with three
offices in Paris and offices in Jackson, Union City, and Memphis. ■
First National Bank of Pikeville Becomes First Farmers
and Commercial Bank
First National Bank of Pikeville,
Pikeville, was approved by the State of
Tennessee to become a state chartered
bank as of June 1, 2014. The charter
change brought a name change from First
National Bank of Pikeville to First Farmers and Commercial Bank. “This community bank has served the Sequatchie
Valley for over 100 strong years,” noted
Phillip L. Crawford, president/CEO. “It
was established by farmers, merchants,
and businessmen in 1913 who believed
in a bank that would grow to meet the
community’s financial needs for families,
individuals, agriculture, and business.”
The bank’s board of directors felt it
was time to make the move to a state
charter bringing all the branches under
the same name to allow serving their
customers better.
“The new bank name reflects our
heritage, our community, and our
belief in serving our neighbors,” he
continued. “While the First Farmers
and Commercial Bank name may be
different, it does not change the employees, directors, or ownership of the
bank as we start our 101st year.” ■
Warrington Named
2014 Hardin County
Administrator of the Year
Evolve Bank & Trust
Offers New Mobile
Banking App
Jo Warrington, of The Hardin
County Bank, Savannah, is the 2014
Hardin County Administrator of the
Year. Warrington received a plaque
and other gifts at the 12th annual
Administrative Assistants Luncheon
sponsored by Hardin County Chamber of Commerce and attended by
over 100 people. Nominated by her
coworkers, Warrington has worked
for the bank for 24 years in an administrative assistant role. ■
Evolve Bank & Trust, Memphis,
has added a free mobile app available for iOS devices via the App
Store and for Android devices via the
Google Play store. Mobile banking
services are another convenience
for customers from Evolve, a Memphis-based bank operating six full-service branches and loan production
offices in Arkansas and Tennessee,
with more than 30 loan production
offices around the country. ■
Collier of Pinnacle Financial
Partners Named Top 20
Program Manager
BancorpSouth Bank
Names Frisbee to 2013
President’s Club
Gary Collier of Pinnacle Financial
Partners, Nashville, was named to Bank
Investment Consultant magazine’s annual list of Top 20 program managers. ■
Janeice Frisbee, first vice president, BancorpSouth Bank, Humboldt, was named to the President’s
Club 2013 for posting in excess
of $1 million in sales of annuity
products during 2013. Frisbee was
recognized also as the Top Area Producer of the Alabama, Florida, and
West Tennessee markets, the highest
honor attained at the bank. She was
commended for maintaining an outstanding level of success in the annuity program each year since 2000. ■
continued next page
Bellefant Named to Peoples
Bank of Bedford County
Board
Al Bellenfant, senior vice president,
Peoples Bank of Bedford County, Shelbyville, was named a member of the
bank’s board of directors. ■
AUGUST 2014 | THE TENNESSEE BANKER
45
Bank Notes continued
Traders Bank Celebrates
Its 125th Anniversary
BankTennessee Holds
Groundbreaking
Ceremony in Munford
Traders Bank, Tullahoma, celebrated its 125th anniversary April
18, with free hot dogs, drinks, and
desserts for its customers. Traders
Bank now has branches in Tullahoma, Manchester, Winchester, and
Shelbyville. ■
BankTennessee, Collierville, held
a groundbreaking ceremony at the
site for its new branch in Munford.
The 3,267 square-foot branch with
an expandable second floor sits on a
1.12-acre site at 26 Munford Avenue
and Highway 51. ■
Buckberg Named Legal
Eagle by Franchise Times
McMullen Awarded
Creditors Right Law
Specialist Certification
Joel Buckberg, shareholder, Baker,
Donelson, Bearman, Caldwell & Berkowitz, PC, Nashville, was awarded
Legal Eagle by the Franchise Times.
The annual listing recognizes franchise law attorneys on the basis of
input from their peers and clients. ■
Austin L McMullen, partner,
Bradley Arant Boult Cummings LLP,
Nashville, was awarded Creditors’
Rights Law Specialist by the American Board of Certification. McMullen is one of only seven attorneys in
Tennessee with this distinction. ■
Citizens Tri-County Bank Opens New Business Center
in Dunlap
Citizens Tri-County Bank’s staff
joined local leaders and other visitors to celebrate the opening of its
new business center in downtown
Dunlap with an open house and
ribbon cutting. “The Dunlap Depot
Centre served citizens of Dunlap for
years, and we’re still carrying out
that tradition,” said John Barker,
Citizens Tri-County Bank president
and CEO. “We’ve remodeled, we’re
growing, and we’ve expanded our
offices to better serve our community
in whatever the needs may be.”
Among those attending the ribbon-cutting ceremony were Barker;
chairman of the board H. Glenn
Barker; CTCB, board of directors,
46
officers, and employees; Dunlap Mayor Dwain Land; Sequatchie County
Executive Keith Cartwright; and Sequatchie County-Dunlap Chamber of
Commerce director Marlene Basham.
Money fastened to the ribbon
used in the grand-opening ceremony
was donated to the Daughters of
Naomi. Special guests at the presentation were Loretta Layne, president
and chairman of the Daughters of
Naomi soup kitchen in Dunlap,
along with Treva Farley, board member of the charitable organization.
Old photos of the depot centre
and railroad were on display for
visitors to view, giving a glimpse of
life in Dunlap decades ago. ■
THE TENNESSEE BANKER | AUGUST 2014
Donnell Awarded Product
Liability Defense Award
by Who’s Who Legal
Thomas M Donnell, Jr, member of
Dickinson Wright PLLC, Nashville, was
awarded Who’s Who Legal: Product Liability Defense 2014. Donnell is among
the world’s leading product liability
defense lawyers. ■
Winston Is New McKenzie
Rotary President
Brian Winston, an associate of
Carroll Bank and Trust, Huntingdon,
assumed the presidency of the McKenzie
Rotary Club when the new officers for
2014-15 were installed in June. ■
Baker, Donelson, Bearman,
Caldwell & Berkowitz Receives
Beacon of Justice Award
Baker, Donelson, Bearman, Caldwell
& Berkowitz, Knoxville, was named a
2014 Beacon of Justice Award winner by
the National Legal Aid and Defender Association. The award recognizes law firms
that have devoted significant time and
resources to improving life outcomes of individuals in Tennessee for development of
the onlineTNJustice.org platform which
provides free legal services via the Internet
to low-income Tennessee residents. ■
Home Banking Company
Celebrates Newest Branch
in Michie
In May, Home Banking Company,
Selmer, held a grand opening celebration
for its newest branch in Michie. The event
filled downtown Michie as hundreds of
bank customers and local residents came
out to enjoy the free food, children’s
games, door prizes, and live music. ■
Nashville Bar Foundation
Announces 2014 Fellows
George Presented Top Equity Producer Award
by ProEquities
E. Steele Clayton IV, Anthony J.
McFarland, W. Brantley Phillips of
Bass, Berry and Sims, PLC, Nashville;
Stephen W. Ragland of Bass, Berry
and Sims, PLC, Memphis; and Jennifer Kovalcik of Stites & Harbison,
PLLC, Nashville were inducted as
members of the 2014 class of fellows
by the Nashville Bar Foundation. ■
Doug George, The Hardin County
Bank, Savannah, was awarded “The
Top Equity Producer” award by First
Protective, the office of supervisory jurisdiction for ProEquities and a regional
life insurance and annuity brokerage
general agency headquartered in Birmingham, AL. George received the
award at the company’s annual Elite
ICBA Ranks F&M Bank, Clarksville, in the Top 50
Community Bank Leaders in Social Media
F&M Bank, Clarksville, was
ranked in the Independent Community Bankers of America second annual
Top 50 Community Bank Leaders
in Social Media that “highlights the
community bank social media trailblazers among the financial industry.”
The listing is based on fans/followers,
engagement, content, and frequency
of posts. F&M’s social media presence involves multiple channels of
communication, including Facebook,
YouTube, Linkedin, and Twitter.
“Consumers are expecting their
financial institutions to have strong
brand identity online,” said ICBA executive vice president/chief marketing
officer Chris Lorence. “These top community banks and bankers understand
that building a brand goes beyond just
a physical presence—they consistently
introduce fresh content and interact
with their customers. ICBA is proud
to highlight F&M Bank for making social media an integral part of
its brand and
communications strategy.”
N e a r l y
6,500 community banks
throughout the
nation were
eligible to be
part of ICBA’s
list. There are
approximateKhandra Smalley
ly 2,500 banks
that have a Facebook and Twitter presence, including more than 1,700 on
Facebook alone.
Khandra Smalley, vice president
for market research, spearheads F&M
Bank’s social media efforts. Sammy
Stuard, F&M president and CEO, acknowledged F&M’s marketing department for its teamwork in social media
and praised Smalley for her consistent
leadership and innovation in the bank’s
social media initiatives. ■
Producer Conference, held earlier
this summer.
“Doug George is not only our
ProEquities top equity leader, but also
a gold level qualifier as an elite producer,” said Jason Sims, director of
operations for ProEquities. “He has
been one of our top equity producers
for eight years.” ■
Strategic Resource
Management Launches
New Website
Strategic Resource Management,
Memphis, has launched its new website, www.srmcorp.com, to provide
a more comprehensive overview of
how SRM carries out its mission to
improve its clients’ bottom lines. SRM
excels in uncovering overlooked areas
of potential cost savings and revenue
enhancement opportunities in vendor
contracts. Its new website focuses on
four industry areas: financial institutions, manufacturing, healthcare,
and retail.
Potential clients will be able to
find industry-specific and in-depth
examples of how their business can
benefit from using SRM’s insight and
experience by uncovering ways to
enhance bottom-line growth. Case
studies featured on the website also
provide examples illustrating how
SRM has made a positive difference
to its clients. ■
Kimbrough Wins Annual Pinnacle Award—US Bank’s Highest Honor
Rickey Kimbrough, community
president of US Bank, Fayetteville,
has won US Bank’s Annual Pinnacle Award, the company’s highest
employee achievement honor. Kimbrough was among the top 10 percent of top–performing employees
nationwide to win US Bank’s award
for outstanding achievement and superior performance. “(Kimbrough)
deserves tremendous congratulations
for this achievement as he does an
outstanding job to make sure our customer’s expectations are not only met,
but exceeded,” said Mike Robbins,
community banking regional president
for US Bank. Robbins noted that it’s
because of employees like Kimbrough
that US Bank has received several
accolades this past year, including
recognition in Fortune magazine as
one of the world’s most admired
super regional banks. ■
AUGUST 2014 | THE TENNESSEE BANKER
47
Community Corner
BancorpSouth’s Sharp Co-chair of Follow Me Celebrity
Golf Classic
Chester Sharp, vice president
and branch manager of the BancorpSouth University Branch, will
co-chair this year’s Follow Me Celebrity Golf Classic on September 9
at Bent Tree Golf Course in Jackson.
The Jackson-Madison County African-American Chamber of Commerce will host the event.
Sharp has served as captain of
the company team and has played
in the tournament every year since
its beginning in 2011. The annual
tournament raises funds for the Af-
rican-American Chamber’s youth development program. The
Follow Me into
Business program
was founded in
2002 to provide young
people, ages 12–18, with
job-training skills and
business-basics training as well as mentoring, employment, and
community involvement opportunities. ■
CedarStone Bank Selects
Wilson County Teacher
of the Year
Bank of America Donates
to Big Brothers Big Sisters
of Middle Tennessee
CedarStone Bank, Lebanon,
named Lebanon High School’s
Joseph Murphy as 2014 Wilson
County Teacher of the Year and presented him with a check for $1,500.
Murphy is the career-technical-education (CTE) graduation coach at
Lebanon High School. ■
Mary Walker, vice president of programs for Big Brothers Big Sisters of
Middle Tennessee accepted a check for
$15,000 from Courtney Keenan with
Bank of America, Nashville. The money
will support one-on-one mentoring for
middle and high school students in East
Nashville. ■
Tullahoma Banks Sponsor Fifth Annual Red Cross Mash
Bash at Jack Daniel’s Distillery
American City Bank, Tullahoma;
First Community Mortgage/Carlene
Smith, Shelbyville; First Vision Bank
of Tennessee, Tullahoma; and Southern Community Bank, Tullahoma
were among the sponsors of the fifth
annual Red Cross Mash Bash to support the Red Cross. More than 220
friends and supporters attended the
June 7 event held on Barbeque Hill
at historic Jack Daniel’s Distillery
in Lynchburg. According to Mike
48
Cowles, Heart of Tennessee Chapter
Executive, “The Mash Bash helps provide vital funding so that we have the
infrastructure and resources to respond
to disasters large and small, down the
street and across the country, 24 hours
a day.” More than $19,000 was raised
through ticket sales and company sponsorships and all proceeds will go to help
the local Red Cross to assist victims of
local disasters, such as fires, floods, and
tornadoes. ■
THE TENNESSEE BANKER | AUGUST 2014
First National Bank
of Pulaski Cosponsors
Entrepreneur Camp
First National Bank of Pulaski,
Pulaski, cosponsored a free, oneday TennesSeed Camp™ with South
Middle Tennessee Entrepreneur
Centers (SMTEC) and the Center
for Executive and Professional
Development at Martin Methodist
College. The event was entitled
TransformYour Idea into a Successful Business.
“Our goal is to create economic
growth in Middle Tennessee communities by connecting promising
start-ups and young companies with
the resources they need to succeed,”
said Dan Marcum, SMTEC executive director. Also taking part is
Cheri Thomas from the Center for
EPD at Martin Methodist College,
who commented, “Whether you are
a student interested in learning more
about business, an entrepreneur
with a good idea wanting to create
a business around that idea, this
program can help take you to the
next level.” ■
Citizens First National
Bank Gives to Dyer
County Farm Watch
Citizens First National Bank, Dyersburg, has donated $1,000 to the
Dyer County Farm Watch program.
The program will take an increased
role in prevention of rural crimes
in Dyer County by encouraging
farmers and producers to participate
with law enforcement to combat
farm theft and vandalism using the
latest technology, information sharing, and best practice operations. ■
Roane County Schools
Education Foundation
Receives Donations
from Local Banks
Two Roane County banks, Citizens First Bank, Harriman, and
Citizens National Bank, Kingston,
contributed funds to the newly
formed Roane County Schools
Education Foundation, whose
purpose is to help support Roane
County schools above and beyond
the provision of public tax dollars.
In May, both banks donated a total of $1,500 and presented these
donations to Jeff Sliger of the RCS
Education Foundation. ■
Pinnacle Financial
Partners Sponsors
Cumberland University
Phoenix Ball
Pinnacle Financial Partners,
Lebanon, is a silver sponsor of
The Phoenix Ball, a black tie gala
benefiting Cumberland University.
This year the event supports the
university’s athletic programs as
the university prepares for its move
to the NCAA. Pinnacle donated
$3,000 for the 31st year of the gala,
which took place, June 7. The event
featured a silent auction during the
pre-ball reception, followed by a
live auction during the ball. ■
First Citizens National
Bank Presents Donation
to the Dyersburg
Rehabilitation Center
First Citizens National Bank,
Dyersburg presented a $1,000 donation to the Dyersburg Tennessee
Rehabilitation Center. Bank staff
present for the ceremony were John
Tucker, regional president; Laura
Beth Butler, chief financial officer;
and Katie Winchester, chairman
of board of directors and member
TRC board of directors. ■
United Cumberland Bank Donates to STAND Coalition
United Cumberland Bank President
Jim Johnson presented a $5,000 check
on behalf of the Oneida bank to STAND
coalition representatives and executive
director Trent Coffey. The grant will be
used as seed money to implement a pilot
program, “The Service Learning Youth
Initiative,” that will be placed in both the
Oneida and Scott County High Schools.
United Cumberland president Johnson stated, “Our bank . . . always will
be committed to support programs that
prepare our youth for the future. Being
the initial investor in this worthwhile
concept of strengthening the future
employability of our county’s young
people only further demonstrates that
commitment.” ■
FirstBank to Sponsor the Nashville Symphony’s
Pops & Jazz Series
FirstBank, Lexington, is pleased to
sponsor the Nashville Symphony’s 201415 Pops Series and Jazz Series concerts
at Schermerhorn Symphony Center. The
bank recently announced a three-year
partnership as sponsor of the Pops series.
Kicking off September 11-13, the FirstBank Pops Series will feature the Nashville
Symphony performing with eight leading pop acts, including The Four Tops,
Kenny Rogers, Styx, Boyz II Men, and
Kenny G. Tony award-winning performer
Bernadette Peters will close the series on
May 7-9, 2015, with an
evening of Broadway hits.
“FirstBank believes the
Nashville Symphony is one of our community’s finest treasures, and we are
extremely pleased to show our support
through the Pops Series sponsorship,
“said Chris Holmes, FirstBank president
and CEO. “This partnership works very
well with our own ‘Art of Community’
collection highlighting Tennessee artists
and reflects our community-based approach to doing business.” ■
Pinnacle Financial Partners Sponsors Prospect Pro-Am
Golf Tournament
Pinnacle Financial Partners, Lebanon, was the title sponsor of the Prospect Pro-Am Golf Tournament, May 8
at Hermitage Golf Course. This is the
annual fundraiser benefiting Prospect,
Inc, a Lebanon-based nonprofit providing support services and employment to
people who have disabilities or other
barriers to personal independence.
“Pinnacle has been a title sponsor
of the Prospect Pro-Am for the past six
years because the fundraiser is crucial to
. . . people of all ages with disabilities
in our community,” said Carol Ann
Griffin, the office leader for Pinnacle’s
West Baddour Parkway location. The
bank donated $5,000 to Prospect, Inc
for the event. ■
Sevier County Bank
Cosponsors Comedy Tour
First State Bank Honored
by Dresden High School
Girls Basketball Team
The “Talk Is Cheap” comedy tour
traveled to Sevierville for a two-hour program cosponsored by Sevier County Bank,
Sevierville, and held at the River Plantation
Conference Center. This was the kickoff
for the third annual Smoky Mountain
Celebration and the fundraiser for a variety of Sevier County causes, including
cystic fibrosis research, Safe Harbor, Sevier
County High School minor sports. ■
The Dresden High School Girls Basketball Team with their coach Jonathan
West visited First State Bank, Dresden,
recently to present bank staff with a
plaque in recognition of the bank’s support of the team during the year. First
State Bank made a monetary donation
and later provided a meal for the team
during tournament games. ■
AUGUST 2014 | THE TENNESSEE BANKER
49
Promotions
Edward Brundick has joined Argent Trust Company of Tennessee,
Memphis, as market president.
credit officer for Trust Company Bank,
Mason, and senior vice president for
Bank of Bartlett.
BancorpSouth Bank, Jackson, has
promoted Jeffrey A. Lester, CTFA,
Jackson to first vice president and
Aida G. Lovelace to assistant vice
president and human resources coordinator.
BB&T Insurance Services, Knoxville, has promoted Rob Huffaker to
senior vice president and director of
Tennessee employee benefit operations.
Huffaker holds certification in CLU,
CHFC, RHU, and REBC designations.
Bank of Camden, Camden, has
named James Matthew Moorehead
president for the Chapel Hill and
Marshall County operations at First
State Bank, a division of Bank of
Camden. Moorehead, a CPA, previously worked in the Chapel Hill and
Nashville area banks as a teller, loan
officer, and bank auditor for several
years.
Marquica Beasley has joined Capital
Bank, NA, Nashville, as a branch manager. Previously, Beasley was an assistant
vice president client support and BSA
liaison with Civic Bank & Trust.
Bank of Frankewing, Frankewing,
has promoted Alesia Janes to vice
president and manager of the credit
department; Jennifer Reese to vice
president and assistant to the president; and Keri Helton to assistant vice
president and centralized mortgage
loan processor in the Pulaski office.
BankTennessee,
Memphis, has added
Jay Crews to its office
in East Memphis as
vice president and
commercial lender.
Crews has 25 years’
Jay Crews
experience as a naBankTennsee,
tional bank examMemphis
iner and in lending/
management roles in both regional
and national banks. Prior to joining
BankTennessee, Crews served as
executive vice president and chief
50
CapitalMark Bank & Trust, Chattanooga, has announced the addition
of a new banker team led by J. Bryan
Fryar, J. Christopher Ramey, and Jennifer Mount. CapitalMark B&T’s local
banker team with Mark Feemster and
Allison Roberson now includes Brandon
Deering, a former credit analyst with
expertise in commercial, industrial, and
hospitality lending.
Evolve Bank & Trust, Memphis,
announced that Janet Hendrix is now
a new officer in the compliance department. Hendrix brings 25 years of
banking and compliance experience
from multiple financial institutions to
her new position.
F&M Bank, Clarksville, has announced the promotion of seven employees: Jo Hughes, to senior vice
president from vice president and
director of security; Shela Williams, to
senior vice president from vice president for branch administration and
marketing; Sue Palmore, to senior vice
THE TENNESSEE BANKER | AUGUST 2014
president from vice president for loan
administration; Michael Jones to vice
president and director of internal
audit and BSA officer; Sally Lee to
vice president; Amanda Dean to assistant vice president of the mortgage
division; and Carrie Hendrick, to
assistant controller.
Brian Dunston has joined Fifth
Third Bank, Nashville, as vice president and wealth management advisor of the bank’s
private banking team.
Previously, Dunston
worked at HMS Capital Management,
where he served as
director of client serBrian
vices. Greg Wilson,
Dunston
commercial banking
Fifth Third Bank,
veteran, joined Fifth
Nashville
Third to serve as the
Midsouth market
executive for West
Tennessee. Based in
Memphis, Wilson
will work as a senior
commercial banker
for the West TennesGreg Wilson
see counties and MisFifth Third Bank,
sissippi and Arkansas
Nashville
regions focusing on
middle market clients. With extensive
experience in the financial industry,
including nine years in commercial
banking, he previously was vice president of global commercial banking
for America Merrill Lynch.
Lamont Bunch has joined the
bank as a financial center manager
and assistant vice president. Amanda Conklin, Jeff Grady, and David
Trotter have joined Fifth Third Bank
as mortgage loan originators. In addition, the bank promoted Drew Clum
to mortgage loan officer.
Christen Tressler and Kayla Holbert have joined First Freedom Bank,
Lebanon, as customer service representatives. First Freedom also named
John Hawkins as a relationship
specialist.
First Horizon National Corporation, Memphis, announced the promotion of Dane Smith to executive
vice president and corporate treasurer,
replacing Thomas Adams, Jr, who is
retiring. Smith joined First Horizon in
2004 in the corporate strategy group.
As assistant treasurer, he has supported
various capital, liquidity, investment,
and balance sheet activities in addition
to managing the company’s $3 billion
investment securities portfolio.
William Pyle recently joined First
National Bank, Knoxville, as vice
president and consumer/commercial
lender for its Tellico Village office.
With a banking career of 20-plus
years, Pyle has worked for First
Tennessee Bank, NA, EdFinancial
Services, Regions Bank, and BB&T.
First Tennessee Bank, NA, Kingsport, has named Victoria “Cori”
Stamper as the financial center manager for the Memorial Boulevard
office in Kingsport. With eight-plus
years of banking experience, Stamper recently worked for Wells Fargo
Bank in Virginia.
First Tennessee Bank, NA, Knoxville, promoted Amber Young to vice
president in trust for the East Tennessee market. Kassandra Richardson
joined the bank as a trust officer. Previously, Richardson was a senior credit
manager at Wells Fargo Financial.
First Tennessee Bank, NA, Lebanon,
has named John Sergent as the bank’s
new Wilson County president. Sergent
currently leads the sales team for 15
financial centers in the bank’s Middle
Tennessee region, including Wilson County. Sergent, who joined First Tennessee
in 2009, will continue to work with two
financial centers in Lebanon and the two
financial centers in Mount Juliet.
First Tennessee Bank, NA, Nashville,
has named Daisy Casey as president of
its banking division in Sumner County.
Casey joined First Tennessee in 2009
and most recently served as part of
the bank’s retail leadership team in
Nashville. Other bank promotions
announced included Ronnie Bass, vice
president and financial center manager
at Indian Lake, Hendersonville, office;
Sean Orlando to vice president, financial
center manager; Rachel Stampley to
vice president, financial center manager;
John Derreck Bentley to assistant vice
president, financial center manager;
Drew Brooks to assistant vice president,
financial center manager; and Charlene
Williams to assistant vice president,
financial center manager.
Jamie Kyle has joined the First
Volunteer Bank, Chattanooga, as vice
president and market leader for the
Gunbarrel Road office. Kyle has 15
years’ banking experience including
recent service as a vice president and
branch manager for a regional bank.
FirstBank, Lexington, has increased
its focus on real estate lending, adding
seven people for its Middle Tennessee
residential construction team, including
Bill Waldkirch as leader and senior vice
president. Other members of the team
are: Alex Hartz, Michael McClellan,
Brenda McKee, Chuck Scruggs, Greg
Templeton, and Nelson Vest.
Franklin Synergy Bank, Franklin,
promoted the following staff members:
Jason Ezell to vice president; Mike Garland to vice president; Beverly Dinsdale
to assistant vice president; and Cindy
Stephens to bank officer. The bank
also announced that Chris Marchetti
joined as a senior vice president and
commercial lender; Jennifer Holliday
joined as a treasury management officer; and Mike Muniz was added as
a mortgage loan originator.
FSG Bank, NA, Athens, welcomed
20-year banking veteran Gina Suits,
who is now the branch manager at
the South Congress Parkway office
in Athens. Previously, Suits was the
branch manager at the Gunbarrel
Road office in Chattanooga.
Julie Parks joined Heritage Bank,
Clarksville, as office manager/lender
at the Main Street office. Parks has
27 years’ banking experience, holds
6 and 63 investment licenses, and is
licensed to sell life insurance.
InsBank, Nashville, has named Patrick Wright as first
vice president and
relationship manager. Prior to joining
InsBank, Wright’s
Patrick
banking career spans
Wright
nearly 30 years inInsBank,
cluding serving as a
Nashville
senior vice president/
area executive with First South Bank
in South Carolina.
Magna Bank, Memphis, has
named Jodi Scruggs, with more than
12 years’ banking experience, as a vice
president and private banking officer.
Emily Dresch has joined Metropolitan Bank, Nashville, as a senior
managing director of private banking.
Previously, Dresch was a senior vice
president of private banking with
BancorpSouth Bank.
Kandy Henegar has joined MidSouth Bank, Murfreesboro, as a
mortgage loan originator.
continued on next page
AUGUST 2014 | THE TENNESSEE BANKER
51
Promotions continued
Paragon Bank, Memphis, has
promoted two staff members and
welcomed two new additions to their
team. Emily Friedman was promoted
to senior vice president and commercial lending group portfolio manager,
and George Daley to vice president
and commercial credit analyst. Jon
Roskos joined Paragon as vice president and banking center manager at
the Saddle Creek location, and Wes
Minton was added to the bank team
as a mortgage loan consultant.
Bobby Stogner has joined The Peoples Bank, Knoxville, as vice president
of community banking.
MocTavius Demonbreum has
joined Pinnacle Financial Partners,
Nashville, as a vice president and
credit advisor. Previously, Demonbreum was a corporate banking portfolio
manager with US Bank. In addition,
Heather Raley has joined Pinnacle as
a trust adviser assistant, Matt Milam
as a financial adviser assistant, and
Meredith Brown as a credit specialist.
Evelyn Doan Tade
has joined Renasant
Bank, Nashville, as
senior vice president
and commercial relationship manager
for equipment finance
Evelyn Doan
and leasing. Tade has
Tade
more than 30 years’
Renasant Bank,
experience in comNashville
mercial banking, plus working at the
Federal Reserve Bank of Atlanta. Rick
Roberts has joined Renasant as vice
president and commercial relationship
manager. Previously, Roberts was a
business banking relationship manager
with Regions Bank.
52
Computer Services, Inc, Austin, TX,
has welcomed the addition of John
Grimes as its new business development director for the Southeast region.
Grimes brings 20-plus years’ business
strategy and process improvement experience within the community banking
industry to his new position giving him
a perspective on the impact regulatory
compliance can have on an institution’s
bottom line. Through his expertise,
Grimes will assist community banks in
adhering to government regulations and
increasing IT operating efficiencies.
Rob Parker was promoted to partner
at Crowe Horwath LLP, Brentwood.
Gullett Sanford Robinson & Martin
PLLC, Nashville, has promoted Cathey
Gwyn to member and welcomed Joshua
R. Denton as a member.
Andrew Johnson Bank, Greeneville,
has promoted two staff members—
Brent McGlothin to vice president/loan
officer/business development in the
Morristown branch and Christy Lewis
to assistant vice president/deposit services coordinator.
The Bank of Nashville, a Division
of Synovus Bank, Nashville, has named
Alene Gnyp vice president and mortgage
consultant and Carolyn Daniels as vice
president and mortgage consultant;
Justin Frizzell as assistant vice president
and mortgage originator; and Eric Gatlin as vice president and market sales
leader. In addition, the bank promoted
Christian Poling to assistant vice president and mortgage loan officer.
David Brooks was promoted to senior vice president at BB&T, Nashville.
THE TENNESSEE BANKER | AUGUST 2014
Previously, Brooks was market president for Manatee County, FL.
Citizens Bank, Kingsport, has promoted three employees to vice president: Scott Hammerbacher, compliance
officer; Matt Lewis, network administrator; and David Oiler, consumer/
mortgage lender. Hammerbacher,
with the bank since 2007, assists with
the regulatory compliance efforts in
lending and deposits. Lewis has spent
all 16 of his years with the bank in the
information systems department. Oiler
currently is in his 11th year at Citizens
Bank and assists customers with their
credit needs from personal loans to
purchasing or refinancing a home.
In addition, Jacob M. Harris, with
a decade of experience in commercial
banking in the Tri-Cities region, has
joined Citizens to focus on commercial banking and business development, and David F. Mowell, joined
the bank to work in communications
and marketing strategies.
Garth Kilburn and Scott McDaniel
have joined Commerce Union Bank,
Springfield, as vice presidents and
account executives.
Cumberland County Bank, Crossville, has announced the appointment
of Doug Parkey to appointed president/CEO and Joe Young to president
emeritus. In addition to Parkey’s new
role with Cumberland County Bank,
he will continue to serve as executive
vice president of BPC Corporation.
F&M Bank, Brentwood, has named
Patrick Jones as a mortgage loan originator. Jones brings over 10 years of
mortgage services experience in Rutherford, Davidson, and Sumner counties.
First Farmers and Merchants
Bank, Columbia, has named four
bankers to lead Nashville’s new Green
Hills financial center—Richard S.
Sevier, Berry Brooks, Rory Mallard,
and Rita Conner.
Sevier, a banking veteran of 40-plus
years, is senior commercial relationship manager—a position he’s held at
the First Farmer’s Cool Springs office
since 2009. Brooks, a career banker of
more than 30 years, 14 of those years
with First Farmers, is also a senior
commercial relationship manager.
Mallard, the private banking/business
banking officer at First Farmers’ Cool
Springs office since 2011, becomes
commercial relationship manager at
the Green Hills office. Conner comes
to First Farmers to manage the Green
Hills financial center from Capital
Bank, NA, Nashville, where she was
vice president and branch manager
since 2011.
First Farmers and Merchants also
named Brady Gardner a commercial
relationship manager at the Cool
Springs office. Previously, Gardner
was a commercial special assets officer with First Tennessee Bank, NA.
Jim Tompkins, with 24 years of
banking and financial experience,
has joined First National Bank of
Pulaski, Pulaski, working with commercial customers and small business
partners.
Greg Douglas has
joined First Vision
Bank, Tullahoma,
as vice president and
commercial relationship manager and
will be located in
Greg
the bank’s Franklin
Douglas
County office. DougFirst Vision Bank,
las has spent the last
Tullahoma
11 years in the banking and financial services industry,
serving five years most recently as
branch manager and loan officer with
Southern Community Bank. First Vision named Bill Coleman as business
development officer at its new Murfreesboro office on West Main Street.
In addition, the bank promoted Matt
Layton to assistant vice president and
Nichole Sutton to executive assistant for
the Murfreesboro branch office.
Ty Smithson has joined First State
Bank, Kenton, as agricultural loan officer in the ag services department.
Jack Williams has joined Foothills
Bank & Trust, Maryville, as vice president of commercial lending in the bank’s
Farragut office on Kingston Pike.
Heritage Bank & Trust, Columbia,
has promoted Debthy Brown to lead
client banker of its Northside branch
and Kim Adams to lead client banker
at the main office.
Patriot Bank, Covington, has promoted Lillie Stollings, an employee of
11 years, to vice president.
Peoples Bank of East Tennessee,
Madisonville, has promoted Dustin
Atkins to first vice president and chief
operations officer; James Hahn to first
vice president and retail banking manager located in the bank’s Loudon office;
Brad Hunt to vice president, serving also
as Vonore’s branch manager; Brenda
White, vice president, also was named
branch manager for the Sweetwater
office; Jonas Turpin was promoted to
assistant vice president serving in the
accounting department and Jennifer
McDaniel to assistant operations officer
serving in the bookkeeping department.
Amanda Jack was promoted to assistant
vice president serving as the designated
fixed-rate mortgage lender for the Ducktown-McCaysville-Murphy tri-state area
and headquartered in the McCaysville
branch. Cindy Prince was promoted to
assistant vice president where she currently works as branch manager of Ducktown
office, and Tammy Ware was promoted to
loan officer at the Ducktown office.
Pinnacle Financial Partners, Nashville, has named Vanessa Spickard,
with 12 years’ financial services experience, as senior vice president and
office leader for its West Baddour office in Lebanon. Previously, Spickard
served as branch manager of SunTrust
Bank’s Mount Juliet financial center.
Carol Ann Griffin, who was formerly
office leader and financial advisor
for Pinnacle’s West Baddour location
for seven years, will devote all her
time to her financial advisor role.
In addition, Pinnacle named Bobbie
Johnson and Sarah Stringfellow as
service specialists.
Jeremy Cook has joined Pinnacle
Financial Partners, Knoxville, as
senior vice president and leader of
the bank’s new Emory Road location
opening later this year. Previously, he
was a regional vice president at Clayton Bank & Trust.
Renee Carpenter has joined Renasant Bank, Memphis, as a mortgage
lender for the Memphis market.
Security Bank, Dyersburg, has
promoted Jared Agee to senior vice
president, technical services; Stacey
Bell to senior vice president, cash
management/administration; Hal
Johnson to senior vice president of
loan administration and compliance;
Megan Brock to vice president of
marketing; Marilyn Buffaloe to vice
president of deposit compliance and
fraud management; Mark Emison,
CPA, to vice president of deposit
compliance and BSA; Paulette Huddlestun to vice president of e-banking
and card services; Bill Joyner to vice
president of the Trenton branch; and
Jennie Hightower to assistant vice
president of retail and BSA.
Sevier County Bank, Sevierville,
promoted Aaron Medlin to a senior
customer service representative.
continued on page 55
AUGUST 2014 | THE TENNESSEE BANKER
53
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1407-7CEO/SRO/BDO
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Strengths include operational leadership, financial
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Innovative, result-proven financial services executive
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– CAO, retail operations exec, facilities. Qualifications
– mergers & acquisitions, product development, sales
& marketing, retail operations, facilities, deposit compliance, security & risk management. Contact Jennifer
Benefield via e-mail [email protected] or call 919-616-4189.
POSITIONS AVAILABLE
1407-8
PUBLIC ACCOUNTANTS AND
MANAGEMENT CONSULTANTS
Pershing Yoakley & Associates, PC (PYA) seeks qualified
candidates to join our growing team of public accountants
and management consultants. For more than 30 years,
our more than 200 professionals have worked with clients
in a variety of industries including some of the nation’s
largest healthcare organizations. This is an attractive
opportunity in a fast–growing, multi–faceted firm. PYA
recruits talented professionals with an entrepreneurial
spirit and challenges them to excel in a dynamic culture
that fosters both productivity and a balance between
professional and personal goals. The successful individual
will serve as a cohesive team member who consistently
demonstrates high integrity and reliability within a
professional environment. To apply for any of our open
positions, please visit www.pyapc.com/careers.
1407-6
COMMERCIAL LOAN OFFICER
Well-respected, stable community bank in a very desirable
East Tennessee market is seeking a motivated, sales-driven
commercial loan officer. This position will be responsible
for developing new business and profitability of a commercial portfolio. Strong sales and service culture are expected, with emphasis on sound underwriting decisions
and closing skills. Requires community involvement,
a strong work ethic, and the ability to communicate
clearly with staff, as well as good customer service/
public relation skills. Requires bachelor’s degree in
finance or related field and 10 years’ minimum banking
experience with preference to strong commercial loan
experience. Serious and qualified applicants may submit
resume and salary expectations to the Human Resources
Director, Susan Zerambo, at [email protected].
1406-13 SENIOR COMMERCIAL LENDER & BUSINESS DEVELOPMENT OFFICER
First Community Bank of East Tennessee is seeking
a senior commercial lender & business development
officer. This position is responsible for generating
commercial loan and deposit growth, servicing existing
commercial customers, and monitoring loan portfolio
to ensure compliance with approved loan structure.
Must be sales-oriented and possess strong credit
analysis skills, a high degree of initiative, and strong
communication skills. Bachelor degree in business or
finance and 5 or more years of experience in commercial lending activities, with a heavy emphasis in credit
determination activities, are highly desirable. Sales
and supervisory experience required. Apply via e-mail
to [email protected] or fax to 423-272-1962.
Please identity the position for which you are applying.
continued on next page
Tennessee banks and associate members may list positions free-of-charge as a benefit of their membership in the Tennessee Bankers Association. Those interested in
placing an ad or replying to position openings (refer to position number) should direct their inquiries to: Penny Powlas - [email protected], Tennessee Bankers
Association, 211 Athens Way, Ste 100, Nashville, TN 37228-1381 • 1-800-964-5525 or 615-244-4871
Promotions continued
SmartBank, Knoxville, welcomed the
addition of Brad T.
Sweet as first vice
president, commercial
lender. Sweet is working in SmartBank’s
Brad T.
Cedar Bluff office
Sweet
and brought with him
SmartBank,
more than 10 years of
Knoxville
experience in the financial industry. Previously, Sweet was
vice president of commercial banking
with FirstBank.
SunTrust Mortgage, Inc, Nashville, has named William Burke as
senior loan officer.
Allen O’Briant has joined SunTrust
Robinson Humphrey, Memphis, as
managing director within fixed income
sales trading and research.
Natasha Bodiford and Jacob
Schuetze have joined Lattimore Black
Morgan & Cain, PC, as staff accountants.
Harry Goldsmith has joined Bass,
Berry & Sims, PLC, as senior counsel.
Eric Elliott has joined Pershing
Yoakley & Associates, Knoxville, as
a tax principal.
Crowe Horwath LLP, Brentwood,
promoted Rob Parker to partner. Parker
was previously senior manager.
Aubrey Reedy Woods has joined
Scott-Riddle Consulting PLLC, Jackson as an associate. ■
Josh Rosenblatt has joined Frost
Brown Todd LLC, Nashville, as a senior
associate attorney.
AUGUST 2014 | THE TENNESSEE BANKER
55
Employment Opportunities continued
1406-7
ELECTRONIC BANKING SUPPORT
SPECIALIST
Growing East Tennessee community bank has immediate opening for an electronic banking support
specialist. This position provides customer service and
technical support to both internal and external customers related to internet banking, mobile banking, remote
deposit capture, cash management, and other electronic
banking products and services. Prefer minimum 2
years’ experience in banking; demonstrated ability to
provide excellent customer service; knowledge of PC
and mobile device hardware and operating systems;
knowledge of internet browsers; proficient in Microsoft
Office; ability to handle multiple tasks; excellent communication skills; strong attention to detail; excellent
time–management, organizational, and planning skills;
strong problem–solving skills. ACH knowledge a plus.
Ideal candidate must be able to work in a fast-paced
environment, meet strict deadlines, and communicate
effectively with internal and external clients. Organization is an equal opportunity employer and does
not discriminate on the basis of race, color, gender,
religion, age, sexual orientation, national or ethnic
origin, disability, marital status, veteran status, or any
other occupationally irrelevant criteria. Send resumes
to [email protected].
1406-6TELLER
Growing community bank in Middle Tennessee seeks
teller for Franklin/Cool Springs location. Duties
include, but are not limited to, branch and deposit
operations, balancing individual cash drawer and main
vault, handling checking and savings transactions,
processing loan payments and night deposits, cashing
checks, and reviewing logs and reports. Responsibilities
also include vault and safe deposit operations. Previous
bank teller experience preferred but not required. At a
minimum, must be high school graduate. Must possess
good communication and math skills. Must be able to
interact professionally and courteously with the public.
Must be comfortable with Microsoft Word and Excel.
Bank offers competitive compensation and benefits
including medical, dental, life insurance, and 401(k).
Qualified candidates please e–mail your resume and
salary requirements to [email protected].
1406-5
CREDIT ANALYST
Middle Tennessee community bank seeks credit
analyst for commercial lending department to assist
the head credit analyst in the extension of credit
and maintenance of credit quality within the bank.
Essential duties and responsibilities include, but are
not limited to, writing all commercial and consumer
credit proposal memos for monthly loan committee
meetings, packaging minutes to present at the monthly
board meeting, ordering all commercial and residential appraisals and reviewing them for compliance
with USPAP and FIRREA regulations, and preparing
monthly large relationship reports to help the bank
monitor these relationships to stay within lending
limits. Knowledge, skill, and ability required for the
job include proficiency in Microsoft Word and Excel;
excellent writing skills; general knowledge and understanding of loan terms and structure; organizational
skills; and the ability to work well and communicate
with others internally and externally. Interested applicants may submit resumes and salary requirements
to [email protected].
1406-2
RESIDENTIAL/CONSUMER LOAN
PROCESSOR
Sumner Bank & Trust is looking for an experienced
residential/consumer loan processor to join our dynamic, rapidly growing business in Sumner County.
Primary responsibilities of this position are processing
residential and consumer loans; running renewals and
modifications on the bank’s processing system; writing
tickets or blocks for new/renewed/modified loans;
sending funding wires for secondary market loans;
handling post-closing functions including paying for
appraisals, attorney fees etc; fielding loan officers/customer questions; and researching problems. A detailed
job description is available upon request. Education and
experience requirements: 3 year’s job–specific experience
and a working knowledge of compliance related to consumer loans, financial institution policies, procedures,
and regulatory requirements as they relate to the loan
department. Sumner Bank & Trust is an Equal Opportunity Employer supporting diversity in the workplace.
If Sumner Bank & Trust sounds like a place where you
can succeed, please submit your resume with detailed job
history, education, and pay history, plus compensation
requirements to: Sumner Bank & Trust, Attn: HR, 780
Browns Lane, Gallatin, TN 37066 or e–mail slowman@
sumnerbankandtrust.com.
1406-1
BANK OPERATIONS OFFICERS, AUDITORS,
AND/OR NETWORK ADMINISTRATORS
NETBankAudit, a leader in the performance of IT/operational and compliance audits and assessments for regional
and community financial institutions, is looking for bank
operations officers, auditors, and/or network administrators
to join our exceptional team in providing IT audits, compliance audits, information security risk assessments, and other
internal audit services to our growing community financial
client base. NETBankAudit is headquartered in Alexandria,
VA, with offices in Nashville and Kingsport, TN, and has
over 500 banking clients in the eastern portion of the US.
The position ultimately will require the performance of IT/
operational and compliance audits and/or vulnerability
assessments for financial institutions. On the job training
will be provided until a sound working knowledge of IT
audit, COBIT, GLBA, and FFIEC is developed. Other
avenues such as consumer compliance, BSA, SOX, and
traditional internal auditing are also available. Further,
training related to the performance of technical network
vulnerability assessments will be offered. Benefits include
top salary commensurate with experience, 401(k) program,
bonus program, profit sharing, medical benefits, flex hours,
and office in home. Telecommuting is allowed. Some travel
required. Additional salary information: salary to match
experience. Relocation expenses are negotiable. MUST BE A
US CITIZEN. Preferred locations: middle or east Tennessee.
Four-year degree with an accredited college or institution is
recommended, master education a plus. CISA and/or CISSP
designation is required. CPA, CIA, and/or CFE designations
are encouraged but not required. Other designations related
to BSA, ERM, consumer compliance, and technology are
also viewed extremely favorably. Applicant must have
banking experience, including but not limited to internal
auditor, operations, and/or IT experience or experience as
agency regulator/auditor. A working knowledge of FFIEC
requirements is necessary as well as methodologies such
as; control objectives for information technology (COBIT),
National Institute of Standards and Technology’s (NIST),
generally accepted system security principals (GASSP),
and Sarbanes-Oxley (SOX 404). Experience in performing
technical internal and external vulnerability testing is also a
plus. Must be proficient with computer usage and auditing
of systems and applications common to banking industry.
Previous experience and/or demonstrated knowledge of the
above matters and methodologies is considered extremely
beneficial. Highly motivated individuals with strong work
ethics and good people skills are encouraged to apply by
emailing a resume to [email protected].
1405-6
COMMERCIAL REAL ESTATE BANKER
Cohutta Banking Company, a division of Synovus Bank, is
seeking an energetic sales professional to join our dynamic
team of banking professionals in the Chattanooga
market. This position markets commercial real estate
(CRE) products and services to prospects and clients.
This position also will develop and maintain relationships with commercial clients to generate revenue and
deposit growth. Additionally, he/she will be responsible
for commercial clients with commercial real estate credit
needs for single or total CRE loan concentration typically
of $2.5MM or greater. An expert knowledge of the CRE
construction loan philosophy and process is required for
this position. Cohutta Banking Company offers excellent
salary plus incentive pay based on performance, in addition to an excellent benefits package including: medical,
dental, disability, vision, 401(k), employee stock purchase
plan, paid vacation and holidays, EAP, and opportunities
for advancement. Minimum Requirements: bachelor’s
degree in business administration, finance, accounting, or
related field, or an equivalent combination of education
and experience; 6 or more years of commercial lending
experience as a lender with demonstrated experience
working with large commercial clients and complex lending agreements.
Prefer minimum 5+ years’ experience in
a specialized commercial real estate lending function.
Interested applicants, please apply online: www.cohuttabank.com. Synovus is an Equal Opportunity Employer
supporting diversity in the workplace. M/F/D/V/AA
1405-5
SBA LOAN COORDINATOR
BancorpSouth in Tupelo, MS, is looking for a SBA loan
coordinator responsible for the oversight of the lending
process for SBA 7(a) and other SBA products. Daily duties will include assisting business and commercial lenders
with the application, underwriting, and documentation
requirements as well as management reporting. We
desire someone with at least 1 year of experience with
the stated responsibilities or someone with business underwriting/analysis experience. We will consider recent
college graduate with a degree in finance. Please send
e-mail and resume to [email protected].
1405-4 CHIEF FINANCIAL OFFICER
CFO that thinks like a CEO. This is one of the most
entrepreneurial thinking organizations in the banking
industry with exceptional reputation, growth, and
innovation. Requires a demonstrably strategic thinker,
well versed in current trends and technologies but rooted
in sound accounting and finance guidelines, principles,
requirements, and regulations. Day–to–day oversight
and direction includes treasury, accounting, budget and
budget analysis, tax and audit responsibilities, financial/
accounting systems and controls, standards and risk
management, reports for management and board, asset/
liability management. Provide support on acquisitions
and mergers, investments, ROE/ROA improvement
strategies, alliances, trends, and contracts. Environment
is dynamic, competitive, and forward–looking. Need the
ability to provide accurate projections of requirements
and strategic plans for capital, land, buildings, and
workforce. Requirements: Must have comparable financial management experience in banking or transferable
environment as CFO, CEO, assistant CFO, VP finance,
or equivalent. Must have management experience in
credit, finance, accounting, capital allocation, financial
planning, capital structure and debt management, risk
management, and financial integrity. Send resume to: Jennifer Munro, EagleVision Performance Solutions,
Inc, via e–mail [email protected] or fax
561-584-5553.
1404-15 COMMERCIAL LOAN OFFICER III
This position is responsible for developing new business
and growth and profitability of a commercial portfolio
consisting of large, complex commercial relationships. This position maintains strong sales and service culture
with emphasis on sound underwriting decisions. The
AUGUST 2014 | THE TENNESSEE BANKER
56
employee also services and maintains existing portfolio
and actively promotes the bank’s product and services
through community activity and marketing efforts.
Performance of the duties requires a strong work ethic,
excellent organization and analytical skills, as well as
attention to detail. Also, requires clear communication
and good customer service/public relation skills. Graduation from an accredited 4-year college with bachelor’s
degree in finance or related field or a minimum of 10
years of banking experience primarily in commercial
lending or any equivalent combination of education,
training, and experience which provides the required
knowledge and abilities. Potential applicants can access
a full job description by going to www.newpeoplesbank.
com and clicking on “Career Opportunities.” Send
resumes to [email protected].
1404-14 CONSUMER & SMALL BUSINESS LENDER
Farmers & Merchants Bank is seeking a qualified
consumer and small business lender for Gibson and
Madison County. The bank seeks decision makers
who can manage the credit process from application
to approval and closing. Ideal candidate should have
5 plus years’ experience in banking, preferably in a
sales role, and possess well–developed analytical and
communication skills. Position involves solicitation
and servicing of new business as well as the management of existing portfolio. Candidate must be
knowledgeable of current bank lending regulations.
Excellent opportunity for the right candidate with
salary and benefits package aligned to qualifications.
Qualified candidates should submit resume and salary
expectations to Human Resource Director Renee
Morris at [email protected] or PO Box 308,
Trezevant, TN 39258.
1404-12 CREDIT ANALYST
Currently seeking a Credit Analyst for Commerce
Union Bank. Must have a minimum of 5 years’
analytical experience with a strong knowledge of
collateral documentation, financial statements, and
cash–flow analysis. This position will work closely
with loan officers and assistants to obtain current
financial information and prepare written credit
analyses for new deals, renewals, and annual account
servicing events. Please e-mail responses to hr@
commerceunionbank.com.
1404-7
SMALL BUSINESS/COMMERCIAL LENDER
Locally owned community bank in Middle Tennessee
is seeking a motivated, sales-driven small business/
commercial lender with 3 or more years’ experience in small business/commercial lending, as well as a
proven track record of managing relationships and
developing new business. Will be required to facilitate and close loans while representing the bank
through community involvement and promotion of
the bank. In addition to a strong sales ability, applicant should possess solid credit administration skills. A bachelor’s degree in finance or business preferred. Serious and qualified applicants please e-mail resumes
to [email protected] with “Employment
#1404-7” in subject line or mail to #1404-7, c/o
Penny Powlas, Tennessee Bankers Association, 211
Athens Way, Suite 100, Nashville, TN 37228-1381.
EEO/AA/M/F/Vets/Disability
1404-6
FINANCIAL CONSULTANT
Cohutta Banking Company, a division of Synovus
Bank, is seeking an energetic sales professional to
join our dynamic team of banking professionals.
The financial consultant position is a commissioned
sales position providing investment consultation
to the public on stock, bonds, annuities, mutual
funds, and other securities open in the Chattanooga
and surrounding markets. Incumbent adheres to
applicable laws, regulations, and rulings governing
services, policies, and procedures of securities sales.
Minimum requirements: b achelor’s degree in a related discipline; 2+ years of job-specific experience;
Certifications - Series 7, Series 66, or both Series 63
and 65 license; Variable Annuity License; State Life,
Accident, and Sickness License. Preferred Skills:
-ChFC
and/or CFP certifications. Cohutta Banking Company
offers excellent salary plus incentive pay based on performance, in addition to an excellent benefits package
including medical, dental, disability, vision, 401(k), employee stock purchase plan, paid vacation and holidays,
EAP, and opportunities for advancement. Interested
applicants, please apply online: www.cohuttabank.com.
Synovus is an Equal Opportunity Employer supporting
diversity in the workplace. M/F/D/V/AA
1404-2 LOAN OPERATIONS DOCUMENTATION
SPECIALIST – IMMEDIATE OPENING, NASHVILLE
The loan operations documentation specialist supports
the vice president of lending operations and participates
on a small work team to manage the process and completion of loan packages from approval through funding
to ensure expeditious processing and improve the client
experience over the lifetime of the relationship. This
position also supports the organization’s lending staff
and other employees, as needed, often functioning as
a contact point for business partner and clients needs
related to loan processes. This position requires technical
acumen—loan documentation experience with the LaserPro system is required. Responsibilities will include,
but are not limited to, the following: coordinates loan
document preparation; researches and reviews collateral
lien positions, reports potential issues impacting lien
priority to team; monitors insurance associated with
loan collateral requirements; files UCCs as needed;
and manages document imaging requirements for the
loan process. Please e-mail resumes to Lori.Rochelle@
PathwayLending.org.
1403-13 COMMERCIAL LOAN OFFICER,
GOODLETTSVILLE
First State Bank is a multi-location financial services
organization throughout the State of Tennessee. We
are currently accepting resumes for a commercial loan
officer in our Goodlettsville, TN, office. Candidates
must have a proven track record to develop, manage,
and sustain a variety of individual and commercial
banking relationships by prospecting, cross-selling,
relationship managing, and providing customer service.
Candidates must have excellent customer interaction
skills, including strong oral and written communication
skills. This position is highly focused on commercial
loan production. This job requires a bachelor’s degree
and a minimum of 2 years of experience with commercial
lending or equivalent work–related experience. This
position also requires a minimum of 1 year of on-thejob credit training experience. First State Bank offers
competitive salaries and excellent benefits. Please mail
or e–mail resumes with cover letter to: [email protected]
or First State Bank, Attn: Human Resources, 1720 West
End Ave, Ste 500, Nashville, TN 37203. EOE M/F/D/V
1403-12 ACCOUNTING CLERK
Tri-State Bank of Memphis is currently seeking an accounting clerk to join its team in Memphis, TN. Duties
include reconciling general ledger accounts; preparing
and posting journal entries; processing accounts payable
and maintaining vendor files; reconciling bank statements; and verifying the accuracy of invoices and proper
coding. Acts as backup for other accounting staff and
perform GL maintenance as needed. Requires a high
school diploma with 1 -3 years’ experience in accounts
payable or general accounting; associate’s degree a plus;
banking experience preferred; Microsoft Excel–proficient; attention to detail and well organized. An Equal
Opportunity/Affirmative Action Employer-AA/EOE/M/F/D/V. Send resumes to [email protected].
1403-9
STAFF AUDIT ASSOCIATE
Crowell & Crowell, PLLC, a growing CPA firm in
Franklin, TN, is currently seeking qualified candidates
to fulfill staff associate position. As a staff associate,
you will be responsible for conducting internal and
external audit engagements, identifying and communicating accounting and auditing matters to management
and clients, as well as maintaining client relations.
Qualifications include BS/BA degree in accounting,
CPA or CPA candidate, excellent communication and
analytical skills. Financial institutions experience a
plus. We are looking for candidates with excellent
organization and time management skills, who like
to be challenged and have a great customer service
mindset. Competitive salary based on experience.
Qualified candidates please send resume and references to [email protected]. We are an EOE!
1403-8
SENIOR AUDIT ASSOCIATE
Crowell & Crowell, PLLC, a growing CPA firm in
Franklin, TN, is currently seeking qualified candidates to fulfill senior audit associate position. As a
senior associate, you will be responsible for planning
and leading audit engagements, designing the audit
approach to address risk, and effectively communicating the results of your procedures. In addition, you
will maintain existing client relationships as well as
foster new client relationships. Qualifications include
BS/BA degree in accounting, CPA or CPA candidate,
excellent communication and analytical skills, at least
3 years’ audit experience with a public accounting
firm or an internal audit department, supervisory
experience in leading a team through successful
audits, and knowledge of auditing standards and
GAAP. Financial institutions experience a plus. We
are looking for candidates with excellent organization
and time–management skills, who like to be challenged and have a great customer service mindset.
Competitive salary based on experience. Qualified
candidates please send resume and references to HR@
crowellandcrowell.com. We are an EOE!
1403-6 CSR SUPERVISOR
Landmark Community Bank has an opening for a
customer service rep (CSR) supervisor for its Nashville Music Row branch. Duties include training and
supervising teller/CSR employees, ensuring branch is
in compliance with FDIC, building and maintaining
strong relationships with customers, cross–selling
bank products, as appropriate, and working with loan
officers to develop deposit relationships. Performs
teller/CSR functions when necessary. Requires a high
school diploma and at least 3 years of work experience
in a retail banking environment. Must demonstrate
strong interpersonal and communication skills.
Requires basic math skills, working knowledge of
computers, and the ability to solve common problems.
Compensation is competitive and depends on previous
experience. Employee benefits include medical, dental,
and life insurances; short–term and long–term disability insurance; and 401(k) plan. Qualified candidates
should e-mail their resumes to ppowlas@TNBankers.
org with “Employment 1403-6” in subject line or
mail to #1403-6, c/o Tennessee Bankers Association,
211 Athens Way, Suite 100, Nashville, TN 372281301. Landmark is a state–chartered, nonmember
bank headquartered in Collierville, TN, with three
additional branches in the Memphis area. Landmark
opened its first branch in Nashville last year and will
open two additional branches in middle Tennessee this
spring. EOE/M/F/D/V.
1402-6 RELATIONSHIP MANAGER/BUSINESS
DEVELOPMENT
Growing community bank in Marshall County is
seeking a motivated, sales-driven lender to service
the Chapel Hill/Lewisburg area. Duties will include developing new loans, while servicing and
cultivating existing relationships. Will be required
to facilitate, structure, and close loans while representing the bank in the community by community
involvement and promotion of the bank. Must
have strong sales skills, 3-5 years of banking or
financial service business experience, strong communication and interpersonal skills. A bachelor’s
degree in finance or related field is a plus. Serious
and qualified applicants submit resumes to wtn.
[email protected]/ ■
AUGUST 2014 | THE TENNESSEE BANKER
57
Actions of Bank Regulatory Agencies
TENNESSEE DEPARTMENT OF
FINANCIAL INSTITUTIONS
Bank of Camden, Camden, TN, application to close Apex Bank branch,
a Division of Bank of Camden, 4536
Nolensville Pike, Suite G, Nashville,
TN 37211 (effective 6/2/14).
First National Bank of Pikeville,
Pikeville, TN, 441 Spring Street,
37367. Converted to a state-chartered commercial bank and changed
its name to First Farmers and Commercial Bank. Philip L. Crawford,
president and CEO; J William Pope,
chairman. The bank has branches at
the following locations: 1251 North
Main Street, Crossville, TN, and
721 Rankin Avenue, Dunlap, TN
(approved 5/19/14; effective 6/1/14).
FirstBank, Lexington, TN, application for new branch at 510 Columbia
Avenue, Franklin, TN (approved
10/15/13; opened effective 6/9/14).
FEDERAL RESERVE SYSTEM
First Alliance Bancshares, Inc, notice
by Tyrone A. Burroughs, Germantown, TN, individually and as part of
a family control group to gain control
of First Alliance Bancshares, Inc, Cordova, TN. The family control group
consists of Tyrone A. Burroughs, Nelda F. Burroughs, and Burroughs Investment Group, all of Germantown,
TN; and Melanie B. Cole, Williamsburg,
VA (end of comment period: newspaper
6/27/14; Federal Register 7/7/14).
First Alliance Bancshares, Inc, Cordova,
TN, application for change in bank
control of First Alliance Bancshares, Inc,
and its subsidiary, First Alliance Bank,
Cordova, TN (returned 6/24/14).
First Citizens Bancshares, Inc, Dyersburg, TN, request for extension to
11/13/14 to merge with Southern Heritage Bancshares, Inc, Cleveland, TN,
and thereby indirectly acquire Southern
Heritage Bank (granted 7/2/14).
OFFICE OF THE COMPTROLLER
OF THE CURRENCY
First Tennessee Bank, NA, Memphis,
TN, application to purchase the following branches from Bank of America,
NA, Charlotte, NC:
- Columbia Downtown, 200 West Seventh Street, Columbia, TN 38401
- Hatcher Lane, 1404 South James
Campbell Boulevard, Columbia, TN
38401
- West State Street, 2406 West State
Street, Bristol, TN 37620
- Sparta, 469 West Bockman Way, Sparta, TN 38583
- North Military, 225 North Military
Avenue, Lawrenceburg, TN 38464
- North Locust Avenue, 1225 North Locust Avenue, Lawrenceburg, TN 38464
2014-2015 Schedules Have Been Posted!
AIB Educational
Online Programming
For more information about AIB, contact:
Debbie Brickles - [email protected]
Senior Vice President of Training & Development
800/964-5525 or 615/244-4871 or www.TNBankers.org
58
THE TENNESSEE BANKER | AUGUST 2014
- Waverly, 208-210 West Main Street,
Waverly, TN 37185
- North Roan Street, 2105 North
Roan Street, Johnson City, TN 37601
- Kingsport, 1201 North Eastman
Road, Kingsport, TN 37664
- Greenville Plaza, 1545 East Andrew
Johnson Highway, Greeneville, TN
37745
- Lewisburg Public Square, 125 North
First Avenue, Lewisburg, TN 37091
- Kingston, 616 North Kentucky
Street, Kingston, TN 37763
- Rockwood, 511 North Gateway,
Rockwood, TN 37854
(received 6/23/14).
National Bank of Tennessee, Newport, TN, application to close West
Branch, 575 West Broadway, Newport, TN 37821 (received 4/7/14;
closed effective 6/30/14).
Community National Bank of The
Lakeway Area, Morristown, TN,
terminate application to merge national to state bank, TriSummit Bank
(effective 7/1/14).
First Tennessee Bank, NA, Memphis,
TN, application to establish new
Jacksonville Banking Center, One
Enterprise Center, Jacksonville, FL
32202 (received 1/30/14; approved
3/17/14; opened effective 7/11/14). ■
Professional Development Calendar
August 4, 5, 6, 7, 8, 11, 12
Membership Meetings
Cookeville, Chattanooga, Kingsport,
Knoxville, Nashville, Jackson, Memphis
August 12
2013-2014 Senior Compliance
Officer Forums – Session 4 of 4
TBA Barrett Training Center, Nashville
August 13 & 14, 15
Internal Audit Programs
TBA Barrett Training Center, Nashville
August 19
NEW Risk Management:
Enhancing Our Banking Model
TBA Barrett Training Center, Nashville
September 16, 17, 18
CEO Forums – Session 3 of 3
TBA Gilliam Board Room, Nashville
October 30 & 31
Independent Bankers Division
Convention
September 23 & 24
The Southeastern Institute
for IRA Training
DoubleTree by Hilton, Nashville
September 24, 25, 26
2014-2015 Senior Lender Forums
– Session 1 of 3
TBA Gilliam Board Room, Nashville
Franklin Marriott Cool Springs, Franklin
TBA Barrett Training Center, Nashville
September 28 - October 1
NEW CEO/Executive Management
Conference
Laguna Niguel, California
November 5
Branch Management Series
– Session 4 of 4
November 6
2014-2015 Senior Human
Resources Forums – Session 1 of 3
TBA Gilliam Board Room, Nashville
November 6
2014-2015 Retail Banking
Officer Forums – Session 1 of 3
August 26 & 27
Training the Credit Analyst
September 30
Branch Management Series
– Session 3 of 4
August 28 & 29
Basic Consumer Lending
October 1 & 2
Compliance Conference
September 4
IRS Reporting
October 16-17
Trust & Wealth Management
Conference
November 13
2014-2015 Senior Compliance
Officer Forums – Session 1 of 4
TBA Barrett Training Center, Nashville
TBA Barrett Training Center, Nashville
October 20, 21, 22, 23 - Evening
EVENING New Accounts in Tennessee
Jackson, Nashville, Kingsport,
Knoxville
November 14
IT/Operations Officer Forums
– Session 3 of 3
TBA Barrett Training Center, Nashville
TBA Barrett Training Center, Nashville
TBA Barrett Training Center, Nashville
September 8, 9, 10, 11
BSA/AML Compliance
Management
Kingsport, Knoxville, Jackson,
Nashville
September 15 & 16, 16 & 17,
17 & 18
Compliance with Federal
Lending Regulations
Knoxville, Nashville, Jackson
NOTE: While this calendar represents
current programs for 2014 scheduled by
TBA at print time, occasionally other “hot
topics” are added to the calendar throughout
the year. We encourage you to look at the
monthly calendar in The Tennessee Banker
magazine and visit www.TNBankers.org for
the most current information about TBA
events and programs.
TBA Barrett Board Room, Nashville
TBA Gilliam Board Room, Nashville
Nashville Airport Marriott, Nashville
October 22, 23, 24
CFO/Controller Forums
– Session 3 of 3
TBA Gilliam Board Room, Nashville
October 28, 29
Personal and Business Financial
Statement & Tax Return Analysis
November 6 & 7
Bank Security and Risk
Management Conference
Nashville Airport Marriott, Nashville
TBA Gilliam Board Room, Nashville
November 17, 18, 19, 20
NEW Integrated Disclosures and
Revised Finance Change Rules
Jackson, Nashville, Knoxville, Kingsport
November 19 & 20
Bank Directors Retreat
Knoxville, Nashville
Hermitage Hotel, Nashville
October 30
Workshop for Loan Assistants
and Loan Processors
December 2
NEW Credit Risk Management Role
in Enterprise Risk Management
Nashville
October 31
NEW Commercial Real Estate
Construction Lending
Memphis
December 2, 3, 4
IRA Update and Review
TBA Barrett Training Center, Nashville
Knoxville, Nashville Jackson
AUGUST 2014 | THE TENNESSEE BANKER
59
First National Bankers Bank
PROVIDING A SAFE, NON-COMPETITIVE
ENVIRONMENT FOR COMMUNITY BANKS
FOR MORE THAN
30 YEARS
For more than 30 years, community banks have found FNBB to be a non-competitive ally that they can rely
on year after year. First National Bankers Bank has been a consistent, trusted partner providing correspondent
banking services to our shareholders and customers. With service beyond comparison, we have proudly
supported the banks we serve and will continue to help them achieve their goals well into the future.
SERVICES INCLUDE
Cash Management Services
Image Exchange Network
Fed Funds
International Services
Investment Sales
Asset Liability Management
Bond Accounting
Safekeeping
Broker Dealer / 401K Services
Bank Owned Life Insurance
Loan Participations
Holding Company Loans
800.318.6272
www.bankers-bank.com
Loan Review
Compliance Audit Services
Internal Audits
IS Audits
Insurance Products and Services