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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 1 THINGS HAPPEN. The past few years have been a reminder of how important it is to be prepared for the unexpected, and Financial PSI is here to help you do just that. Financial PSI offers a variety of high-quality insurance products that can be personalized to meet your bank’s needs. Directors’ & officers’ coverage Financial institution bonds Property & casualty products Group medical & life insurance Group & individual disability insurance Group dental BE PREPARED. BE INSURED. Contact your Financial PSI consultant to find out more. (800) 456-5191 • (615) 244-5100 • www.financialpsi.com But you need more than luck. Benjamin Franklin once said, “Diligence is the mother of good luck.” We agree. Too often, compliance weaknesses go undetected until it’s too late. Through our risk-based approach, we proactively assist our clients with identifying deficiencies. Early identification of weaknesses allows for adequate time to implement effective solutions. Hope is not a strategy, and luck favors the diligent. PYA’s professionals help our clients create a culture of robust regulatory compliance. In addition to testing, our experts provide thoughtful advice and education throughout the process. We call it Vision Beyond the Numbers, and it can work for you. VISION » Compliance Testing (A-Z) | Fair Lending | Bank Secrecy Act | Dodd-Frank Act Implementation Internal Audit Outsourcing | Information-Security Testing | Loan Review External Audit | Valuation | Tax | Risk Assessments | SOX 404 Compliance 800.270.9629 | www.pyapc.com 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. Helping you achieve your branch transformation goals to satisfy the custom in every customer. The in-branch demands of your customers are various. Some demand simple transaction speed. ® Others require extensive personal attention. Diebold Opteva Branch Performance SeriesTM terminals were designed to provide the flexibility to respond along the entire spectrum of these needs. In the process, you can achieve your branch transformation goals. Your customers are satisfied. Your tellers are freed up to create higher-value sales. It’s another example of how Diebold is satisfying the personal tastes of both customers and the branches that serve them. For the entire story, visit www.diebold.com/newinnovation. [email protected] www.diebold.com 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 WE BELONG..... “Our credit card program through ICBA Bancard helps us stay connected to the next generation of customer who doesn’t carry cash and demands universal spending access. By seeing to their needs we’re ensuring our future.” Gene Neighbor Executive Vice President Farmers State Bank ICBA Bancard/TCM Bank ICBA Reinsurance Grow your bank with us. www.icbabancard.org (800) 242-4770 | ICBA Securities | ICBA Mortgage | ICBA Consulting | ICBA Strategic Technology Solutions 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. ■ We understand the mechanics of financial institutions. 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First Tennessee Correspondent Services include: Holding Company Loans | Image Cash Letter | Letters of Credit | Settlement Services Treasury Management | International Services | Fed Funds | Safekeeping Talk To a RelaTionship ManageR abouT youR bank’s needs. Call 800-453-7686 oR eMail [email protected] © 2014 First Tennessee Bank National Association. Member FDIC. 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. A Tennessee CPA Firm for Tennessee Banks We are committed to providing the highest level of accounting and consulting services to the banking industry. Our clients benefit from value added advice, industry expertise and quality client service. We view every client relationship as a partnership and truly believe our success is a result of our clients’ success. > Loan Reviews > ACH Compliance Audits > Stress Testing > Tax and Business Accounting > External and Internal Audits > Information Technology Reviews > Regulatory Compliance Reviews > FHLB Agreed Upon Procedures > BSA Reviews Crowell & Crowell, PLLC Members Milton Crowell, CPA, CITP June A. Crowell, CPA, CGMA Kerry Garner, CPA Glenda Sloan, AAP Chris Loyd, CPA, CGMA 400 Sugartree Lane, Ste. 600 | Franklin, TN 37064 (615)790-0542 | www.crowellandcrowell.com AUGUST 2014 | 124TH ANNUAL MEETING 27 2014 Annual Meeting in Photos 28 124TH ANNUAL MEETING | AUGUST 2014 © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO AUGUST 2014 | 124TH ANNUAL MEETING 29 2014 Annual Meeting in Photos © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO 30 © LILA PHOTO 124TH ANNUAL MEETING | AUGUST 2014 © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO © LILA PHOTO 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 S O L U T I O N S Inconsistent fee policies chip away at your noninterest margin. Waived fees and discounted rates are a double-edged sword: They help retain customers and build market share... › 33 Fees & Refund Trends Report ...but if they’re too big and indiscriminate, revenue can suffer. SNL Banker helps you target discounts to set stricter fee policies and protect margins. TBA members: Learn how to preserve your noninterest margin and solve five other common banking challenges. Contact Julie Jones at 434.951.4419 or [email protected]. THE TENNESSEE BANKER | AUGUST 2014 Your building, your vault, your money and your people: Protect them all. At the heart of every community is its bank. And at the heart of every bank are its people. That’s where our coverage starts, but it extends so much further. In one comprehensive package, we provide community banks with everything from traditional property and casualty to management liability insurance. The right policy is still only one part of your insurance carrier’s value. Travelers partners with you to help educate your bank on emerging and potential risks, and provides tools and solutions to better prepare your bank for the future. Contact your independent agent today. travelers.com © 2013 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183 34 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 INFORMATION = POWER Get in shape for your next exam! Request a free Custom Exam Preparation Report and get prepared for your next exam. This report is driven by thousands of bankers who have anonymously taken our survey. No more exam surprises! Request your Custom Exam Preparation Report at www.allbankers.org Employment Opportunities POSITION WANTED 1407-7CEO/SRO/BDO Results-driven executive with extensive record of senior-level leadership contributions, accomplishments, and career growth in the banking industry since 1979. Strengths include operational leadership, financial management, loan portfolio growth, new business development, and community involvement. Contact Daryle Keck via e-mail to [email protected] or call 865-607-9057. 1405-2SRO/CFO Community bank executive with 15 years of experience as chief financial officer. Has MBA with super-regional bank training and community bank experience. Experienced in asset liability management, accounting, liquidity management, financial analysis, strategic planning, and budgeting. Contact Brian Hawkins via e-mail Brian.Hawkins2014@ gmail.com or call 706-340-1078. 1404-4 SECOND RANKING OFFICER/BRANCH ADMINISTRATION HEAD Innovative, result-proven financial services executive with over 23 years of banking experience. Highly effective strategic leader with demonstrated ability to successfully manage teams, meet large-scale deliverables, and ensure enterprise success. Seeking position – 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