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Volume 102 • Number 7 • July 2014

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5 THE TENNESSEE BANKER | JULY 2014

THE T ENNESSEE BANKERPublished monthly by the Tennessee Bankers Association

Colin Barrett / EditorDianne W. Martin / Managing EditorJennifer D. Bennett / Graphic Designer

Volume CII / Number 7 / July 2014

The Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers Association, 211 Athens Way, Ste 100, Nashville, TN 37228-1381; telephone 615-244-4871. 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.

Whipping in the Wind, Hermitage

Photo by Denise Mattox http://about.me/denise_mattox

On the COver

COntentsTHIS MONTHOur Bankers in Uniform – A Tribute ....................................................................... 7

Tennessee Credit Unions: The Real Story ............................................................ 12

TBA Board Promotes Eight Staff Members ......................................................... 13

TBA to Offer Two Internal Audit Programs – Internal Audit & Risk Assessment School and The Bank Audit Committee .................... 14

Enterprise Risk Management Seminar in August ................................................ 16

The Southeastern Institute for IRA Training – Mark Your Calendar ..................... 17

Kemp to Teach Back-to-Back Lending Programs – Training the Credit Analyst and Basic Consumer Lending ...................................................... 18

New Seminar to Examine IRS Information Reporting for Financial Institutions .......................................................... 20

Eighteen Tennessee Bankers Complete Graduate School of Banking ................ 23

Annual TBA Washington Conference Draws Record Number ............................ 24

Report on The Southeastern School of Commercial Lending – 45 Graduate........ 34

2014 Strategic Technology Conference – Photo Review ..................................... 38

DEPARTMENTSFROM THE EXECUTIVE OFFICE—Colin Barrett Honoring Those Who Have Served ........................................................... 6

FROM THE TOP—John H. Buhrmaster Working for You ....................................................................................... 10

WASHINGTON UPDATE—Frank Keating A Rifle-Shot Approach to Reg Relief ........................................................ 11

On the Horizon—Fair Lending Compliance/Train the Trainer/ Membership Meetings ............................................................................. 22

Community Corner/Bank Notes/Promotions ...................................................... 44

Employment Opportunities ................................................................................. 52

Actions of Bank Regulatory Agencies ................................................................. 54

TBA Professional Development Calendar ........................................................... 55

OFFICERSWilliam B. Marsh / Chairman

First Commerce Bank, Lewisburg

David Verble / Chairman-elect Citizens National Bank, Sevierville

Gordon Majors /Vice Chairman The Hardin County Bank, Savannah

STAFFAdministration

Colin Barrett / President Stacey Langford / Senior Vice President

of Membership Steve Curtis / Vice President of

Information TechnologySharon Justice-McCray / Vice President

of Human Resources and Facilities Penny L. Powlas / Executive Assistant,

Administration / LegalT’Lanie Luu / Member Services

SpecialistSandra Johnson / Training Center CoordinatorKim Burnett / Receptionist

Accounting / InsuranceAngela D. Griffin, CPA / Executive

Vice President / CFOMike Ailinger / Staff AccountantShemeka Greer / Accounts Receivable

ClerkFelisha Gatlin / Accounts Payable Clerk

Legal / Government RelationsTimothy L. Amos / Executive Vice

President / General CounselAmy Smith / Senior Vice President /

Deputy Counsel

EducationDebbie M. Brickles / Senior Vice President

of Training and DevelopmentSusan R. Taylor, CMP / Senior Vice

President of Professional DevelopmentMonique Jenkins / Education

Services Specialist

CommunicationsDianne W. Martin / Vice President /

Director of CommunicationsJennifer D. Bennett / Assistant Director

of CommunicationsLila Griffin / Proofreader


Honoring Those Who Have ServedBy Colin Barrett, President, Tennessee Bankers Association

From the Executive Office

Three suggestions for this month: P As has been reported in the last several editions of the TBA Legislative Update, the House Financial Service Committee has passed a number of bills that will benefit Tennesseans by reducing your regulatory burden. To find out where your congressman stands on these issues, contact Tim Amos or Amy Smith at the TBA. We need strong bipartisan support to get these bills through the House and build momentum in the Senate.

P The 2014 CEO/Executive Management Conference will be held September 28–30 at the Ritz Carlton Laguna Niguel in California. Make plans to join us by contacting Penny Powlas at [email protected].

P Check out page 22 to find a TBA Membership Meeting near you. I am looking forward to this year’s meetings as we discuss new initiatives for the TBA and Tennessee banking industry.

T he Fourth of July is an all-around great holiday filled

with family and friends, cookouts, fireworks, and general summertime fun. It’s also a time to reflect how great it is to be an American—to live in a country that is truly the land of the free.

While the holiday technically marks the signing of our declaration of independence from England, it has evolved to mark our indepen-dence from those who would seek to destroy our ideas and our ideals, who threaten our way of life, and who are enemies of freedom around the world.

Protecting our freedoms and our way of life has not come without sacrifice from men and women who have served in our armed forces, and I am proud to say that many of them are among the ranks of Tennessee bankers.

Tennessee originally earned the nickname the “Volunteer State” because of the thousands who re-sponded to Governor Willie Blount’s call for volunteers during the War of 1812. Since that day, Tennesseans have continued to answer when called upon by our country and allies.

During last month’s 124th Annual Meeting, State Senator Mark Green asked those in the audience who have served our country to stand and be recognized. And recognized they were, with a deafening round

of applause from those in the audience. In visiting with bankers across the state, I always hold in great esteem the Tennessee bankers who were willing to sacrifice everything for our country.

For this Fourth of July, we want to recognize our bankers who served our country, some of whom are featured on this page. They continue to serve today in a different but still import-ant capacity by helping provide opportunities to Tennesseans—their fam-ilies and their businesses. Please join me in recog-nizing these outstanding Tennessee bankers. ■

We would like to recognize all our members who have served. If we did not receive your informa-tion by our July publishing date, please submit it to Jennifer Ben-nett at [email protected].

Billy M. Cary

Charles Bettis

JULY 2014 | THE TENNESSEE BANKER 7

Frank BagamaryMailroom (Retired), Citizens National Bank, AthensUS Air Force • Airman, 1st Class1952 – 1956

John D. BaumgardnerCity President / Senior Vice President, Carroll Bank and Trust, HuntingdonUS Army National Guard • Staff Sergeant1967 – 1973

Charles BettisVice President, Peoples Bank of East Tennessee, LoudonUS Army • Sergeant1969 – 1970

Walter G. Birdwell, JrChairman, Citizens Bank, CarthageUS Army • Corporal1952 – 1954

William Douglas BolithoSecurity Officer, Wayne County Bank, CollinwoodUS Army National Guard • Sergeant1984 – 1992

Timothy BrewerLoan Officer, Wayne County Bank, CliftonUS Navy • Petty Officer, 3rd Class1987 – 1989

Brent CanadyVice President, First Community Bank, ShelbyvilleUS Navy • Captain1980 – 2013

Billy M. CaryPast President/CEO (deceased), Carroll Bank and Trust, HuntingdonUS Army • Sergeant E51966 – 1968

Roger D. ChoateExecutive Vice President, Union Bank, JamestownUS Air Force / Army National Guard • Captain1968 – 1994

Michael G. ComerExecutive Vice President/COO, Citizens National Bank, SeviervilleAir National Guard • Lieutenant Colonel1985 – 2010

Charlie CookExecutive Vice President/COO, Truxton Trust, NashvilleUS Navy / Naval Reserve1956 – 1959 / 1959 – 1984

Davaughn CoxProcessor • Citizens National Bank, AthensUS Coast Guard Auxiliary2006 – Present

James “Jimmy” T. CoxSenior Officer, First National Bank of Pulaski, PulaskiAir National Guard • Staff Sergeant1960 – 1968

Steve CurtisVice President of Information Technology, Tennessee Bankers Association, NashvilleUS Air Force • Sergeant1984 – 1988

Our Bankers in Uniform

John Baumgardner Steve Curtis Brent Canady

MIchael Comer

continued on the next page


Ron DeBerryPresident/CEO, Commerce Union Bank, SpringfieldUS Army • Lieutenant, 1st Class1969 – 1971

Aaron DornSenior Vice President, Director of Concierge Banking, Avenue Bank, NashvilleUS Marine Corps • Captain2008 – 2012

Ronnie DowdySenior Vice President, Trustmark National Bank, RossvilleUS Army • Specialist E51967 – 1969

Craig FitzhughChairman/CEO, The Bank of Ripley, RipleyUS Air Force • Major1976 – 1980

William ForbesMarket President, US Bank, KnoxvilleUS Army1983 – 1987

James HanksVice President / Branch Manager, Citizens National Bank, AthensUS Army – 101st Airborne • Sergeant E51969 – 1971

James W. HudsonPresident (Retired), Bank of Madisonville, MadisonvilleUS Navy1961 – 1963

Charles A. HughesPresident, Community National Bank of the Lakeway Area, MorristownUS Air Force • Staff Sergeant1966 – 1970

Frank HughesPresident/CEO, Cornerstone Bancshares Inc, ChattanoogaUS Marine Corps • Colonel – Artillery / Battalion Commander / Battery Commander1980 – 2003

Shane JacksonPresident, The Peoples Bank, KnoxvilleUS Army • Sergeant2003 – 2007

Dale A. KeaslingChairman, President/CEO, Home Federal Bank of Tennessee, KnoxvilleUS Air Force1961 – 1964

Jerry Dwight KingSenior Vice President, First Community Bank, ShelbyvilleUS Navy • Operations Specialist, 2nd Class / US Naval Reserve1972 – 1975 / 1979 - 1988

Aaron Dorn

Rex OldhamCraig Fitzhugh

Our Bankers in Uniform


Kenneth MartinChairman/CEO, Wayne County Bank, WaynesboroUS Army • Sergeant / National GuardStaff Sergeant1970-1972 / 8 Years National Guard

Pat McClaryChairman, UBank, JellicoUS Army • Corporal1951 – 1954

Rex OldhamCashier and Head of Operations, Citizens Bank, Hartsville/GallatinUS Army • Sergeant1968 — 1970

Jim PenlandChairman/CEO, First Vision Bank of Tennessee, TullahomaUS Army • Lieutenant, 1st Class1969 – 1972

Bryan RaineyCity President / Vice President, Carroll Bank and Trust, HuntingdonUS Air Force • Senior Airman1990 – 1994

Tim SkeltonBSA/Compliance Officer, Wayne County Bank, WaynesboroUS Air Force • Master Sergeant1983-2003

Anderson SmithPresident/CEO, Jefferson Federal Bank, MorristownUS Army • Specialist, 4th Class1970 – 1972

John SolsbeeMailroom / Courier (Retired Etowah City Manager), Citizens National Bank, AthensUS Air Force / Air National Guard • Staff Sergeant1964 – 1974

Rick ThigpenCourier (Retired Loan Officer), Citizens National Bank, AthensUS Marine Corps • Corporal E41969 – 1971

Billy B. TinesChairman of the Board/Senior Officer, Carroll Bank and Trust, HuntingdonUS Army National Guard

Paul G. WillsonChairman, Citizens National Bank, AthensUS Air Force / Air National Guard Lieutenant Colonel1970 – 2001

Jim Hanks

Paul G. Willson

Bill Forbes

Pat McClary Dwight King

Dale Keasling


Working for You

From the Top

By John H. Buhrmaster, Chairman, Independent Community Bankers of America

I ’ve been a small boat sailor since childhood, and I’ve found that sailing can be much like life. So

much of success comes from knowing how to read the winds and being able to change course quickly—not if, but when necessary.

As community bankers, we nav-igate these winds every day in our communities—sometimes we find the wind at our back, at our side, and occasionally in our face. But just as any experienced sailor realizes, sometimes the wind simply surrounds you. As a community banker you rely on our experience and ability to be nimble to glide along successfully and as smoothly as possible—always being there for your customers and communities.

While supported by the fundamen-tals of the community bank business model, you certainly have the wind at your back every day. You also have ICBA and its staff available and ready to help you—they are another wind at your back and at your side every step of the way. And while increasingly excessive regulatory burden is a wind in our faces, I know that the team at ICBA is working hard every day to reverse that trend so you can set sail more easily and serve your communi-ties even more than you already do.

And speaking of ICBA staff, I have to say how truly blessed we are as community bankers to have ICBA and its dedicated and talented staff working for us. They help us navigate some very difficult issues by harness-ing our industry’s collective power and voice in Washington. ICBA staff

is working tirelessly to address issues important to you.

The public policy victories we’ve seen as community bankers don’t just happen—especially in Washington. They happen because of the hard work, perseverance, and smart strategies and tactics set forth by your community banking leadership supported by IC-BA’s government relations team, along with the support of ICBA’s marketing and communications department.

There’s also ICBA’s education staff who work to provide a variety of pro-fessional development opportunities to keep you and your staff up to date on all of the topics and issues that you need to be informed of as community bank-ers. From online courses to classroom seminars, ICBA’s education offerings are second to none, and we can thank ICBA staff for giving us all the resources we need on the education front.

The same can be said for ICBA’s product and service programs, which give community banks a competitive edge in the marketplace. ICBA Services Network staff takes the job of offering top-notch products and services incred-ibly seriously because they know your bank’s competitiveness depends on it. If you haven’t checked out ICBA’s prod-ucts and services, I encourage you to do so. They provide the best of the best world-class service providers out there.

It’s important to remember that ev-ery ICBA staffer is there to serve your community bank’s mission—our mis-sion each and every day. They believe in the community bank mission just like you do, and they don’t take that calling lightly.

That’s why this season, as so many of us take to the water for well-earned rest and re-energizing, I want to remind you that the ICBA and its staff are the best in the business at reading the political and economic winds of the nation and how they will affect our cherished industry. Our seasoned ICBA team will do ev-

erything possible to ensure that wind continues to work with you, and for you, so that you can get to where you are going. ■

John H. Buhrmaster is president of 1st National Bank of Scotia, in Scotia, NY.


A Rifle-Shot Approach to Reg Relief

Washington Update

By Frank Keating, President and CEO, American Bankers Association

O ne of the things I often hear when I have the opportu-nity to speak with you and

your colleagues at your state bankers association’s annual convention is how new regulatory requirements are making it harder to lend and serve your communities.

We know your regulatory burden is excessive—the Dodd-Frank Act has delivered 7,000 pages of new rules and guidance so far, and there’s more to come. The cumulative impact across the banking industry and across our economy is staggering.

Banks’ compliance obliga-tions also create unwieldy jux-tapositions. When it comes to mortgage lending and servicing rules, for example, some banks are finding they must choose between serving customers and protecting themselves legally.

ABA believes the solution to this seemingly intractable prob-lem lies in what we call “tailored regulation.” By that, we mean to formulate government policies that recognize the diversity of the banking industry and the communi-ties you serve. Rules that correspond to a bank’s charter, business model, geography, and risk profile help to avoid the negative economic con-sequences of unsuitable, inefficient bank regulation.

While we have seen some successes with this approach—such as with im-provements made to the Basel III and Volcker Rule regulations—we have a ways to go in undoing the damage done by Dodd-Frank. A special ABA–state bankers associations task force, however, has crafted an effective strat-egy to win you more relief.

Assembled earlier this year, the ABA/Alliance Regulatory Relief Task Force examined dozens of significant regulatory burdens and identified a few that it believed could be addressed in a meaningful way through legisla-tion this year. The focus on just a few was deliberate. It’s hard enough to get must-pass legislation, like spending

authorization bills, through Congress. An omnibus relief bill for banks would have trouble getting to the runway, let alone getting liftoff.

But targeted bills whose clear beneficiary is bank customers could and should stand a decent chance for enactment. Indeed, two bills that make the changes advocated by the task force cleared the House Financial Ser-vices Committee in May. Now we are urging bankers to generate support for them in the full House. The bills are:• HR 2673, the Portfolio Lending

and Mortgage Access Act, which would deem loans held in portfolio as Qualified Mortgages.

• HR 4521, the Community Insti-tution Mortgage Relief Act, which would exempt lenders with less than $10 billion in assets from the Dodd-Frank Act’s escrow requirements and servicers handling fewer than 20,000 loans from the servicing rule.

We also are throwing our weight behind a third bill, HR 4466, which

embodies the spirit of reg relief by requiring regulators to re-view and reconcile conflicting regulations before finalizing new ones.

Getting cosponsors for these important bills is a critical step to gaining a vote on the House floor. That’s why we’ve been asking bankers like you to send letters, call, and meet with House members to share the real-world impact of these bills—how they would help your bank and the customers in your communities.

A strong vote by the House can influence whether the Sen-ate takes up the legislation. And action on these bills would bode well for future, rifle-shot

relief measures.Help us help your bank by re-

sponding to any grassroots action alerts you receive. Encourage your employees, directors, and peers to do the same. You’ll find tools to easily generate letters on these bills at aba.com/grassroots.

ABA and your state association have been strong advocates, and our unified efforts helped get the bills this far. Your engagement can help get them across the finish line. ■

© 2014 American Bankers Associa-tion. All rights reserved. Reprinted with permission.


O n Monday, May 5, during the recent Washington Conference, TBA Chair-

man Jeff Agee convened the associa-tion’s 2013–2014 board of directors for its final meeting of the fiscal year.

An important part of this meeting was a look at the year–end financials. As reported to the board, the associa-tion is on strong financial footing. As a result, TBA plans to reinvest this into our members by enhancing the association’s government relations, education, and communication efforts with the membership.

In addition, the board approved a new initiative to bring fairness and consistency to the regulatory exam process—the Regulatory Feedback Initiative (RFI). See President Colin Barrett’s column in the June issue

TBA Board Promotes Eight Staff Members

of the magazine for more information about this program.

In another move, the board promot-ed eight TBA staff members. Promo-tions included:• Tim Amos to executive vice presi-

dent and general counsel from senior vice president and general counsel• Angela Griffin, CPA, to executive

vice president and chief financial officer from senior vice president and controller• Debbie Brickles to senior vice presi-

dent of training and development from vice president and director of training and development• Susan Taylor, CMP, to senior vice

president of professional development from vice president and director of training and development• Amy Smith to senior vice president

and deputy counsel from associate counsel

• Stacey Langford to senior vice president of membership from mem-ber services director• Steve Curtis to vice president of

information technology from director of information technology• Sharon Justice-McCray to vice

president of human resources and fa-cilities from human resources director and office manager

“As you know, an organization is only as good as its people,” said TBA President Colin Barrett, commenting on the promotions. “I am confident that TBA has the best team in the country, and the TBA board made the promotions in recognition. I con-gratulate and thank each of them for their service to the Tennessee banking industry.”■

“An organization is only

as good as its people,”

– Colin Barrett,

TBA President

Amos

Langford

Griffin

Curtis

Brickles

Justice-McCray

Taylor Smith


Internal Audit Programs Two-day Internal Audit & Risk Assessment School

And Half-Day Bank Audit Committee

T BA and Crowe Horwath LLP have partnered to present a timely, multi-day program fo-

cusing on the internal audit function.The two-day Internal Risk &

Risk Assessment School, August 13 and 14, will cover topics and issues of concern to this area of the bank, while The Bank Audit Committee is a half-day program on the morning of August 15 dedicated specifically to issues of interest to the audit commit-tee. Both programs are at the TBA Barrett Training Center in Nashville.

Crowe Horwath developed the pro-gram content, and the instructor for both programs is E. Michael Thomas, a partner in the company’s financial institution risk consulting practice.

The sessions are designed for internal auditors and senior staff within the bank and for audit com-mittee members with varied levels of experience. You may register for both programs or for the single program related to your function in the bank.

Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category.

Internal Audit & Risk Assessment School

This program will span two full days with registration and continental breakfast at 8:30. Instruction is from 9:00 to 4:00 with lunch at noon.

This program will focus on:• Auditing the Lending Function – a

practical hands-on discussion of effective practices in auditing the electronic funds transfer function, including an overview of the lending function, analysis of lending subprocesses, and internal audit objectives and procedures.

• Auditing Mort-gage Banking Func-tions and Vendor Risk Management – information per-taining to mortgage and vendor audit objectives, proce-dures, and risk man-agement.• Policies & Proce-

dures – management and listing of prima-ry policies and pro-cedures for financial institutions.• Emerging Indus-

try Issues and the Regulatory Environment – an update on Dodd-Frank, Basel III, and other regulatory developments• Effectively Communicating Audit

Results – a review of the “top 10” tech-niques for verbal presentations, audit report structure, and the elements of an audit finding.• Recent Trends in Financial Insti-

tution Fraud – an overview of fraud statistics in SAR filings, various fraud characteristics and conditions, as well as schemes that include loan fraud, ACH transfers, identity theft, phishing, and cyber threats.

The Bank Audit CommitteeThe third day of these audit-related

programs opens with registration and a full breakfast at 8:30. The session begins at 9:00 and adjourns at noon.

Topics on the agenda for this day include:• Responsibilities and best practices for

audit committees of community banks• Attributes of an effective audit com-

mittee

• Regulatory audit committee re-quirements• Corporate governance and the

audit committee• Working with both external and

internal auditors• Guiding principles as your bank

matures, grows, or changes• Pitfalls and walk-away points

Hotel InformationTBA has not blocked hotel rooms

for these programs. For those who need overnight accommodations, both the Millennium Maxwell House Hotel and the SpringHill Suites by Marriott-Nash-ville MetroCenter offer special rates for those attending TBA programs.

Consult the program brochure, available on the TBA website, for complete information about hotel rates and how to contact either hotel to reserve your accommodations.

Registration InformationThe early registration fee for the

two-day audit school is $440 for TBA

THESE PROGRAMS ARE COSPONSORED BY:

August 13 & 14, 15


members and associate members and $880 for nonmembers for registrations received in the TBA office by the close of business on July 30. After July 30, fees are $470 and $910 respec-tively.

The early registration fee, through July 30, for the half-day Bank Audit Committee program is $185 for TBA members and associate members and $370 for nonmembers. After July 30, fees go to $215 and $400.

All day-of-program registrants are assessed a $50 late fee for each day of attendance. Be sure to register in advance.

Visit the TBA website at www.TNBankers.org/calendar, to register online or to down-load a copy of the Internal Audit Programs brochure containing complete program in-formation and a printable registration form.

If you have questions about these programs or need additional information, please contact Debbie Brickles, [email protected], in the TBA office at 800-964-5525 or 615-244-4871. ■

August 13 & 14, 15

ABOUT THE INSTRUCTORE. Michael Thomas, CPA, CIA, CBA, CFE,

CRP, CFF, CRMA, is a partner in Crowe Horwath LLP’s financial institution risk consulting practice in the Southeastern United States. He has over 30 years of broad-based experience, specializing in the financial services industry. Thomas advises clients in areas such as risk management, fraud

prevention, and quality assurance assessments; coordinates contract services for internal audit, loan review, and compliance outsourcing at financial institutions; and works with clients to re-engineer their internal audit, risk management, and fraud prevention functions. Prior to joining Crowe Horwath, Thomas was an internal audit services director for PricewaterhouseCoo-pers LLP and served as vice president and audit group manager for SunTrust Banks, Inc.

He holds a BBA degree in accounting from Columbus State University and attended the BAI School for Bank Administration (audit management) and the ABA’s Stonier Graduate School of Banking.

Providing Merchant Card Services to Community Banks!

Face to face old fashion service:

Offices in: � Nashville� Contact:� Mark Barrett� Memphis� � 1-888-741-2262� Knoxville� � Fax: 615-352-6946� Jackson� � [email protected]� Tri-Cities

� www.banccard.com


Enterprise Risk ManagementEnhancing Our Banking Model

August 19

A s we see an end to the banking crisis, it is clear that our regu-lators 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 re-sulted from these discussions, it is also true that improving how we do business is crucial for survival going forward.

Enterprise Risk Management—Enhancing Our Banking Model, the next generation in enterprise risk man-agement workshops, is scheduled for August 19 at the TBA Barrett Training Center in Nashville. This program 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.

The workshop content was de-signed for directors, CEOs, CFOs, chief risk officers, and senior man-agement with responsibility for profit centers.

Program OverviewThe workshop opens with Capi-

tal Markets/Regulatory Update, an assessment of the trends driving the economy and their impact on commu-nity banks. Speaker Jared Murphy, managing director with BlackRock, will pay particular attention to the future interest rate and regulatory environment.

Next, Kamal Mustafa, chairman and CEO of Invictus Consulting Group, will provide a regulatory overview of stress testing in Credit Risk—Stress Testing for Capital Ade-quacy & Basel III Guidelines. During the session, Mustafa also will discuss how the regulatory community uses stress testing as a primary way of approving capital and strategic plans and end with how you can use stress

testing to your advantage to say out of the one-size-fits-all capital basket.

Following a networking break, Steve Miller will take a look at Market Risk—The Investment Portfolio. Due to the slow growth of the past five years, our investment portfolios are now a signif-icant part of our earning assets, notes Miller, who is chief risk officer for First Principles Capital Management. He will discuss the current capital markets environment, focusing on what we an expect in both short- and long-term interest rates in the next 12 months. The session will also address QE and its potential for disrupting securities values in the coming months.

The final session of the morning is Pricing Risk—Loan Pricing Strategies that Work, delivered by Craig Poms, chief delivery officer with Precision-Lender. Thanks to a once-in-a-lifetime interest rate environment coupled with the competition for “A” borrowers, bankers are finding themselves in a “pricing” war that is likely to cause profitability issues in 2014 and beyond. The session is designed to assist commu-nity bankers in assessing issues that go beyond simple price in or der to ensure we retain those best borrowers and healthy margins going forward.

Following lunch, the program re-sumes with a session on the future of executive compensation entitled Rep-utational Risk—Redefining Compen-sation in the New Era of Regulation, delivered by Michael Blanchard, CEO of Blanchard Consulting Group, and David Shoemaker, president of Equias Alliance. The current scrutiny on incentives and deferred compensation will change the way banks design compensation packag-es for top executives a n d k e y producers.

Al Forrester, CEO of FlCast Data Corporation, will discuss the number one issue for many regulators—rising interest rates and their impact on bank capital. The session is titled Interest Rate Risk—Breaking Down the Modeling Mystery, and Forrester will focus on the “ins and outs” of managing interest rate risk.

Banks that are willing to take financial control and manage risks by underwriting their own insurance rather than paying premiums to third-party insurers will find much to consider in Michael Corbett’s session on Captive Insurance. Corbett is di-vision director of Tennessee’s Captive Insurance Division.

Wrapping up the seminar is a ses-sion on Liquidity Risk—How do We Stress Test for This Critical Element? delivered by John Drahzal, president of Reich & Tang. Drahzal will exam-ine the importance of a sound funds management policy focusing on core vs noncore funding.

Hotel Information

The SpringHill Suites by Marriott, located a block from the TBA Barrett Training Center, is holding a small block of rooms on a first-come, first-served basis at a special group rate of $122 single/double per night.


Murphy

PomsMustafa

MillerForrester

Blanchard Corbett

Shoemaker

Drahzal

Program Speakers

In conjunction with

The deadline for reserving accommo-dations at the special rate is Monday, July 28. When the allotted room block is sold, rates will return to standard prices on a space-available basis, even if it is before the July 28 deadline.

Call the SpringHill Suites at 615-244-5474 or 800-971-4761 to make your ho-tel reservations and ask for the Tennessee Bankers block of rooms.

Registration FeesRegistration fees cover instructional

materials, continental breakfast, lunch, and refreshment breaks.

Registrations received in the TBA office by the close of business on August 4 qualify for early registration fees of $220 for TBA members and associate members and $440 for nonmembers. After August 4, fees increase by $30 to $250 and $470, respectively.

All day-of-program registrants will be assessed an additional $50 late

registration fee, so please register in advance.

Visit the TBA website at www.TNBankers.org/calendar and click on the program date to download the En-terprise Risk Management brochure containing complete program infor-mation and a printable registration form or to register online.

If you have questions about Enter-prise Risk Management contact Susan Taylor, CMP, via e-mail to [email protected] or call 615-244-4871 or 800-964-5525. ■

The Southeastern Institute For

Individual Retirement Account TrainingSeptember 23 & 24, 2014 Franklin Marriott Cool Springs • Franklin, TNInstructor – Patrice M. Konarik, CFP

This in-depth seminar will answer all of your questions regarding the complex area of IRAs. The program will provide the new IRA banker and supervisor with a complete understanding of all the areas of IRA accounts. Day one will focus on basic issues, while day two will be devoted to intermediate issues. Konarik will also address any recent changes and clarifications in IRA rules and regulations. Participants will receive the 275-page Sunwest Training IRA Training and Reference Manual.

See the August issue of The Tennessee Banker for complete program, hotel, and registration information, or visit the TBA website to download the program brochure.

Contact Susan Taylor, CMP, [email protected], if you have questions about The Southeastern Institute for IRA Training.


Back-to-Back Lending Programs Scheduled for August Training the Credit Analyst & Basic Consumer Lending

I ncreased scrutiny of lending practices by bank regulators requires your lending personnel

to be trained thoroughly in both the way they make decisions and in the lending process.

TBA is here to assist you with back-to-back, two-day lending programs, Training the Credit Analyst on August 26 & 27, followed by Basic Consumer Lending, August 28 & 29, at the TBA Barrett Training Center in Nashville.

The instructor is David Kemp.

K e m p i s p r e s iden t o f Bankers Man-agement, Inc, and brings more than 30 years of management experience in consulting, training, credit adminis-tration, and new business develop-ment to the programs. His expertise covers commercial lending, consumer lending, portfolio management, real estate lending, loan workouts, and director responsibilities.

Hotel InformationThe TBA has reserved a small

block of rooms at the SpringHill Suites by Marriott–Nashville Met-roCenter for each program. Res-ervations are on a first-come, first-served basis at a special group rate of $122single/double per night.

August 4 is the deadline for reserving accommodations at the group rate. When the allotted room block is sold, rates will return to standard prices on a space–available basis, even if it is before the August 4 deadline.

To make reservations, call the hotel at 615-244-5474 or 800-971-4761 and ask for the Tennessee Banker block of rooms.

Registration FeesRegistration fees for each of the

programs include instruction; manu-al; and continental breakfast, lunch, and refreshment breaks on both days of the program.

Early registration fees for each seminar are $440 for TBA members

Program OverviewThis 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.

Credit analysts must learn to mea-sure risk, develop loan structure, and assure the capacity to repay the loan. Going beyond this, the loan officer/analyst must also communicate that information to the loan committee and the customer. Ultimately, good loan of-ficers provide value-added information that allows their borrowers to make better informed business decisions.

Kemp will provide a review of accounting, ratio analysis, borrow-ing causes, cash-flow analysis, and projections.

Upon completion of Training the Credit Analyst, participants will gain:• A better understanding of risk

factors• The ability to identify the business

activities that cause the need for cash• The skills to write better credit

memos• The ability to provide consulting

services for their clients

Tuesday’s session begins with registration and continental break-fast at 8:30, followed by the pro-gram from 9:00 to 4:15. The pro-gram resumes on Wednesday at 8:30 and concludes at 4:00.

Who Should AttendThe content of this program is

basic to intermediate. Credit ana-lysts, commercial lenders, loan re-view officers, credit administrators, branch managers, and management trainees would all benefit from at-tending Training the Credit Analyst.

Attendants will qualify for 14 hours of CPE credit in the area of spe-cialized knowledge and application.

It is also excellent preparation for those interested in attend-ing The Southeastern School of Commercial Lending. Watch for information from the TBA about the 2014 session of the school, scheduled for May 18-23.

TRAINING THE CREDIT ANALYST

August 26 & 27 and 28 & 29


and associate members and $880 for nonmembers. Standard reg-istration fees are $470 for mem-bers and $910 for nonmembers.

August 12 is the early regis-tration deadline for Training the Credit Analyst, and August 14 is the early registration deadline for Basic Consumer Lending.

All day-of-program regis-trants will be assessed an addi-tional $50 late registration fee.

Participation in TBA pro-grams is limited to members, associate members, and non-members from an eligible mem-bership category.

Visit the TBA website, www.TNBankers.org/calendar, to register online or to download a copy of the brochures for Train-ing the Credit Analyst or Basic Consumer Lending.

If you have questions about these programs or need additional information, please contact Susan Taylor, CMP, via e-mail to [email protected] or call 615-244-4871 or 800-964-5525. ■

LEARN FROM AN EXPERT

Program OverviewThe two-day Basic Consumer Lending

seminar was developed for those charged with organizing and managing consumer loans. Kemp will address credit deci-sion-making, as well as the human rela-tions aspect of lending. He will use case studies and role playing to acquaint atten-dants with effective interviewing skills that will improve their credit decisions.

Participants will learn:• Current trends in consumer lending• Loan approval processes and systems• To read and understand credit reports• To identify and discuss required documentation• To evaluate lending to the self-employed• Methods of business development• To determine the impact of credit scoring on credit decisions• Basic loan documentation

Banks that send personnel to this pro-gram should benefit from lower loan loss-es and problem loans, a faster approval process, increased portfolio yields, and fewer documentation exceptions.

Who Should AttendThe program content for Basic

Consumer Lending was developed for branch managers, assistant branch managers, collection manag-ers, personal bankers, management trainees, loan review staff, and those interested in learning more about consumer lending and consumer underwriting.

Attendants will qualify for 14 hours of CPE credit in the area of specialized knowledge and appli-cation.

The seminar is excellent prepa-ration for anyone wanting to attend The Southeastern School of Con-sumer Credit, next scheduled for March 8-13, 2015.

August 26 & 27 and 28 & 29

David L. Kemp is president of Bankers Management, Inc (BMI). BMI is a national-ly recognized company in financial services training and bank consulting. Kemp has more than 30 years of management experi-ence in consulting, training, credit adminis-tration, and new business development. His

areas of expertise include commercial lending, consumer lending, portfolio management, real estate lending, work-outs, and director responsibilities.

Prior to forming BMI, Kemp served as vice president, director of credit services for Cannon Lending Schools. Be-fore joining Cannon, he was vice president corporate finance with Citicorp North America where he was responsible for marketing investment and commercial banking services

throughout the Southeast. While with Citicorp, Kemp was senior credit officer, specializing in financing retail companies. He managed a workout process that saved more than $20 million in planned charge-offs. Prior to joining Citicorp, Kemp held branch manager and com-mercial lender positions with First National Bank of Atlanta and with Citizens and Southern National Bank.

He is a visiting professor and guest lecturer to many colleges and universities, as well as an instructor for ed-ucation programs for a number of bankers associations.

Kemp earned his BS degree in math/physics from Morris Brown College in Atlanta and completed gradu-ate studies in accounting and corporate finance through Georgia State University and in capital markets and corporate finance through Harvard University.

BASIC CONSUMER LENDING

PLEASE BRING A CALCULATOR for use during these workshops!


IRS Information Reporting for Financial Institutions New Seminar for 2014 – One Date Only

September 4

T he TBA has announced the addition of a new seminar to the education lineup on

September 4. IRS Information Reporting for Financial Institutions is designed to assist our members in eval-uating procedures for creating relationships with customers and vendors, integrating applicable changes for the current tax year, and laying the ground-work for a “reason-able cause” defense.

The instructor is Laura Wilson, a principal with Pegasus Educational Services, LLC, and the full-day program will be held at the TBA Barrett Training Center in Nashville.

Program OverviewSince 2012, the IRS has:

• issued regulations requiring banks to report interest paid to nonresident aliens• revised the form W-9 and issued

two new W-8s—the W-8 BEN for individuals and the W-8 BEN-E for entities• published “name-control” rules

for use at account opening• implemented the Foreign Ac-

count Tax Compliance Act or FAT-CA

Now that penalties for noncom-pliance have increased to $100 per occurrence, banks are at a higher risk of penalty assessments on a greater number of information

returns. Understanding how the information return program works is essential to getting the job done and avoiding costly penalties.

IRS Information Reporting for Financial Institutions outlines an effec-tive IRA compliance program. Wilson will give practical advice on procedur-al issues and outline actions required in response to a B-No-tice (CP2100) and a Notice of Proposed

Penalty (972 CG). She will highlight changes and recent developments in IRS rules throughout the program.

The seminar will include a de-tailed overview of the requirement to report interest paid to nonresi-dent aliens, and best practices for obtaining and maintaining the re-quires Form W-8 BEN. Wilson will not cover the Form W-8 BEN-E.

Who Should AttendPresented at a basic- to intermedi-

ate-level, it is intended for those who have responsibility for maintaining or auditing a financial institution’s information reporting compliance

program. In gen-eral, this seminar meets the needs of those for whom in-formation reporting is a seasonal rather than a full-time re-sponsibility.

Program Highlights

• IRS procedures for matching in-formation returns to tax returns

• Rules for developing name con-trols for TIN matching

• A review of common name/TIN combination errors

• A review of the Form W-9 revised as of August 2013 and how your substitute Form W-9—certification box on your signature card is affected

• W-8 BEN requirements for indi-viduals, plus tips for obtaining and maintaining the form

• An overview of the most common deposit, loan, and vendor–related reporting—1099INT, 1099OID, 1099R, 5498, 1098, 1099A, 1099C, 1099S, 1099MISC

• Changes to reporting require-ments for tax year 2014

• Requirements for reporting inter-est paid to nonresident aliens—1042S

• Backup withholding and respond-ing to B-notices— CP2100

• An introduction to the free IRS online TIN matching program

• Responding to IRS Notice of Pro-posed Penalty—972 CG

• Tips for building a defense to potential IRS penalties from day one of the relationship Wilson


Participation in TBA programs is lim-ited to members, associate members, and nonmembers from an eligible membership category.

Your InstructorLaura Wilson is a principal with Peg-

asus Educational Services, LLC. She is a gifted trainer who proves learning can be fun. Audiences routinely comment that her recollection of material content and sense of humor are unique among presenters on technical topics.

Wilson’s career in training on bank-ing-related issues began in 1987. At one time, she served as the regulatory compli-ance trainer for a $3 billion savings bank. Later, she was a senior consultant and full-time trainer for a regional consulting firm for financial institutions.

Wilson has served on the faculty of both OTS and FDIC compliance schools for examiners. In addition to presenting seminars for 17 state bankers associ-ations, she has been an instructor at compliance schools sponsored by the Iowa, Nebraska, Texas, and Pennsylvania bankers associations. Wilson is a member of the American Society for Training and Development.

Hotel and Registration Information

The TBA has not blocked hotel rooms for this program. For those who need overnight accommodations, both the Mil-lennium Maxwell House Hotel and the SpringHill Suites by Marriott-Nashville MetroCenter offer special corporate rates to those attending TBA programs. See the IRS Information Reporting brochure for more information about the rates and how to contact the hotels.

Registrations received in the TBA of-fice by the close of business on August 28 qualify for early registration fees of $220 for TBA members and associate mem-bers and $440 for nonmembers—a $30 savings over standard registration fees. After August 28, fees increase to $250 for members and $470 for nonmembers.

All day-of-program registrants will be assessed an additional $50 late reg-

istration fee, so be sure to register in advance.

Registration fees cover instruc-tion, instructional materials, con-tinental breakfast, refreshment breaks, and lunch.

Visit the calendar page of the TBA website, www.TNBankers.org/calendar, to register online for IRS

Information Reporting for Finan-cial Institutions or to download a copy of the seminar brochure con-taining complete information and a printable registration form.

If you have questions about this program, please contact Debbie Brickles in the TBA office at 615-244-4871 or 800-964-5525. ■

537 Market Street | Suite 300 Chattanooga, TN 37402

Warren McEwen, Partner Jim Vaughn, Partner Kyle Butler, Partner Christian Bennett, Director

Audit | Accounting | Technology | Tax

423-756-6133 | mjcpa.com

We understand the mechanics of financial institutions.

Managing the components of your bank is not easy. For more than 95 years, we have helped clients put the gears of success in motion.


Upcoming Regional Workshops

TRAIN THE TRAINERJuly 31 – Nashville, TBA Barrett Training CenterInstructor: Honey Shelton, InterAction Training

Registration deadline: July 16

Those who attend the full-day Train the Trainer pro-gram will learn how to improve their communications, credibility, confidence, and skills. Instructor Honey Shelton, one of the nation’s top trainers, will deliver a wealth of information that is just what you need to ad-vance to the next level in your career. She will provide participants with resources, tools, and tips that will assist you going forward.

This live, overview program is formatted to assist those who serve in any instructor-type capacity. Class-room discussion is encouraged.

TBA contact: Debbie Brickles - [email protected] Vice President of Training and Development

FAIR LENDING COMPLIANCEJuly 22 – Knoxville, UT Conference CenterJuly 23 – Nashville, TBA Barrett Training CenterJuly 24 – Jackson, Union UniversityInstructor: Anetria Connell, Professional Bank Services

Early registration deadline: July 15

This program will focus on steps finan-cial institutions can take to prevent, de-tect, and eliminate fair lending problems. Connell provides a brief overview of the five keystones of fair lending, building a foundation from which banks can work.

Each attendant will receive a manual, prepared by Professional Bank Services, containing a detailed outline on each topic discussed. It is one of the most highly regarded manuals in the industry, and participants are likely to refer to it ongoing back in the office.

TBA contact: Debbie Brickles - [email protected] Vice President of Training and Development

On the Horizon

Sign up Today!H Meetings are 11:30 am to 1:00 pm

H Lunch is included

H Registration is $35

H For more information, contact Penny Powlas at [email protected] or 615-244-4871x115

coming to your area...2014 TENNESSEE BANKERS ASSOCIATION

Membership MeetingsSPONSORED BY

MEMBERSHIP MEETINGS

2014

August 4 – Cookeville - Leslie Town Centre August 5 – Chattanooga - The Chattanoogan August 6 – Kingsport - Meadowview Conference CenterAugust 7 – Knoxville - Knoxville Marriott August 8 – Nashville – TBA Barrett Training Center August 11 – Jackson – Suites of LaRue August 12 – Memphis – Memphis Country Club


L ast month, 187 bankers from 21 states and Mexico graduated from the Graduate School of Banking (GSB) at LSU. John Jordan, a Tennessee banker and GSB

president, conferred the diplomas. Jordan is president of The Community Bank of East Tennessee in Clinton.

Among the 2014 graduates were 18 students from Tennessee. They were: • Felicia Yvette Brown, First Farm-

ers and Merchants Bank, Leoma • Chad Colwell, DeKalb Commu-

nity Bank, Branch of Wilson Bank & Trust, Smithville • Austin Ray Comer, Citizens Bank

of Lafayette, Westmoreland • Thomas W. Decker, Volunteer

State Bank, Hendersonville • Greg Douglas, Southern Commu-

nity Bank, Tullahoma • Tim Griggs, Farmers and Merchants Bank, Rutherford • Joshua D. Lane, TNBank, Oak Ridge • Jonathan Christopher Leonard, Bank of Camden, Knoxville • Ronnie H. Martin, FirstBank, Murfreesboro • Eddie Arnold Maynard, Jr, Franklin Synergy Bank,

Spring Hill

Tennessee Bankers Complete Three-Year Graduate School of Banking at LSU

• John C. McClellan, III, First Peoples Bank of Tennessee, Jefferson City • Kathleen L. McElroy, First State Bank, Franklin • Wesley Steven Minton, First Century Bank, Tazewell • Angela L. Pedigo, The Farmers Bank, Westmoreland • Andrew Fred Petro, Jr, Trustmark National Bank, Memphis • Charles Michael Robbins, Volunteer Federal Savings

Bank, Madisonville • Melvin R. Stephens, United Cumberland Bank, Oneida • Charles Wesley Taylor, Wilson Bank & Trust, Murfreesboro

Sponsored by 15 southern state bankers associations in cooperation with the Division of Continuing Education at LSU, the banking school requires attendance on campus for three years, with extensive bank study assignments between sessions. The faculty consists of bankers, business and professional leaders, and educators from all parts of the United States.

During their three years at the Graduate School of Bank-ing, students receive 180 hours of classroom instruction, 30 hours of reviews, planned evening study, and written final examinations at the end of each session.

For more information about the Graduate School of Banking at LSU, visit the school’s website, www.gsblsu.org. ■

John Jordan President, Graduate School of Banking

Tennessee students from all three classes attended a reception hosted by the TBA on class night.


M ore than 80 bankers, bank directors, as-

sociate members, and TBA staff made the journey to Washington, DC, in May for the association’s 2014 Washington Conference.

While in the nation’s capital, the group met with banking regulators, Tennessee’s congressional delegation, and represen-tatives from the American Bankers Association, the Independent Community Bankers of America, and the Conference of State Bank Supervisors.

Among the highlights of the trip was a Banker Roundtable hosted by Greg Gonzales, commis-sioner of the Tennessee Department of Financial Institutions, to discuss current banker concerns with the regulatory environment and banking conditions in general. In addition, Bill Hagerty, commissioner of the Ten-nessee Department of Economic and Community Development, spoke at the evening dinner on opening day of the conference focusing on his efforts to promote economic development and their recent successes.

Members of the group discussed a number of key issues in their meetings with the banking associations, regula-tors, and congressmen. One of these was GSE reform. The Senate Banking Committee had scheduled a markup of the Johnson/Crapo bill, but it was postponed while the TBA delegation was in Washington. In speaking to the group, Senator Corker indicated

that the negotiators were still working to recruit additional support for the bill, because it did not have sufficient bipartisan support to move it to the Sen-ate floor. Some of the reluctance from Democrats stemmed from the propos-al’s lack of specific affordable housing goals. Without a strong committee vote to move the legislation to the floor, it is unlikely to pass in 2014.

Another key issue expressed in all of the meetings was banker concern over the implementation of the QM Rule and their inability to fully meet the needs of their customers. Members of the TBA group delivered this message to the staff of the Consumer Financial Protection Bureau. The staff indicated they were still looking at some of the small bank exemption criteria, as well as the rural designations, but emphasized they felt constrained by the statutory language in the Dodd Frank Act. Bankers voiced their support for legislation pending

before the House Financial Services Committee that would make all loans held in portfolio a QM.

Nonbank competition is a peren-nial priority during these Washington visits, particularly competition from tax-exempt credit unions and farm credit services, and this year was no exception. The discussions, often heated, illustrated the frustrations bankers feel from having to compete with these tax-exempt entities that can offer lower rates on loans and do so at higher risk levels without the stringent regulatory supervision banks face.

We encourage you to watch for information on the 2015 Washington Conference and make plans to attend. The annual trip is an excellent op-portunity for bankers to convey their concerns to the regulators, legislators, and trade representatives. In Wash-ington, numbers do count. ■

Record Number Attend TBA Washington Conference


2014 WASHINGTON CONFERENCE PARTICIPANTS*

Paul Willson, Citizens National Bank, AthensDan Dellinger, Reliant Bank, BrentwoodMatt Daniels, Bank of Camden, CamdenR. Craig Holley, CapitalMark Bank & Trust, ChattanoogaMichael Kramer, FSGBank, National Association, ChattanoogaWilliam S. Stuard, F&M Bank, ClarksvilleThomas E. Bates, Legends Bank, ClarksvilleDoug Weiland, Legends Bank, ClarksvilleJ. Lee Stewart, Southern Heritage Bank, ClevelandBarry White, First Farmers and Merchants Bank, ColumbiaHunt Campbell, First Alliance Bank, CordovaDoug Parkey, Cumberland County Bank, CrossvilleJames A. England, Decatur County Bank, DecaturvilleJay England, Decatur County Bank, DecaturvilleTed Williams, TriStar Bank, DicksonJeff Agee, First Citizens National Bank, DyersburgCharles Gleghorn, Bank of Lincoln County, FayettevilleDavid Barnes, Bank of Frankewing, FrankewingJeff Stewart, Bank of Frankewing, FrankewingConnie Edwards, Banc Compliance Group, Inc, FranklinRobby J. Moore, Bank of Lewis County, HohenwaldStephen L. Rains, Progressive Savings Bank, JamestownAllen McClary, UBank, JellicoBill Dudney, Citizens Bank, KingsportRobert Baird, FSGBank, National Association, KnoxvilleCheryl Light, Home Federal Bank of Tennessee, KnoxvilleLogan Hickman, Peoples Bank of the South, La FolletteDavid Reynolds, Peoples Bank of the South, La FolletteMaury Williams, Peoples Bank of the South, La FolletteJohn R. Lancaster, First Freedom Bank, LebanonC. David Allen, First National Bank, Lenoir CityJoy Littleton, First National Bank, Lenoir CitySam Mishu, First National Bank, Lenoir CityW. B. Marsh, First Commerce Bank, LewisburgPhillip Renfroe, Community Bank, LexingtonPhilip Calahan, Peoples Bank & Trust Company, ManchesterMike Edwards, Paragon Bank, MemphisJeff Hudson, Renasant Bank, MemphisJohnny B. Moore, SunTrust Bank, MemphisWayne Minton, The Bank of Milan, MilanAnderson L. Smith, Jefferson Federal Bank, MorristownJohn Muse, Farmers State Bank, Mountain CityLee Moss, MidSouth Bank, MurfreesboroRon Samuels, Avenue Bank, NashvilleMark Miller, Baker, Donelson, Bearman, Caldwell & Berkowitz, NashvilleTrace Blankenship, Bone McAllester Norton PLLC, NashvilleKathryn Reed Edge, Butler Snow LLP, NashvilleAdam Smith, Butler Snow LLP, NashvilleTodd W. Berry, Federal Home Loan Bank of Cincinnati, NashvilleBrian Mobley, Financial Products and Services, Inc, Nashville

Jim Rieniets, InsBank, NashvilleWynne E. Baker, KraftCPAs PLLC, NashvilleKeith Miles, McNeely, Pigott & Fox, NashvilleClint Gwin, Pathway Lending, NashvilleClayton Hart, Renasant Bank, NashvilleGreg Gonzales, Tennessee Department of Financial Institutions, NashvilleWilliam R. Nigh, The Bank Of Nashville, A Div of Synovus Bank, NashvilleRoger Ball, Citizens Bank, New TazewellKenneth V. Jones, Citizens Bank, New TazewellPaul Phillips, The First National Bank of Oneida, OneidaMichael B. Swain, The First National Bank of Oneida, OneidaDrew Jennings, The Farmers Bank, PortlandFrank Freels, Volunteer State Bank, PortlandMark Hayes, First National Bank of Pulaski, PulaskiC. Craig Fitzhugh, Bank of Ripley, RipleyEmily B. Gray, The Hardin County Bank, SavannahGordon Majors, The Hardin County Bank, SavannahMike Comer, Citizens National Bank, SeviervilleDavid C. Verble, Citizens National Bank, SeviervilleScott Cocanougher, First Community Bank of Bedford County, ShelbyvilleDonna M. Stone, First Community Bank of Bedford County, ShelbyvilleRon DeBerry, Commerce Union Bank, SpringfieldBarry Cary, Farmers and Merchants Bank, TrezevantMichael W. Hagan, Reelfoot Bank, Union CityMary Hickerson, The Bank of Waynesboro, WaynesboroChip Hickerson, The Bank of Waynesboro, Waynesboro*Listed alphabetically by city

TBA STAFF Timothy L. Amos, Executive Vice President /General CounselColin Barrett, PresidentAngela A. Griffin, Executive Vice President/CFOStacey Langford, Senior Vice President of MembershipDianne Martin, Vice President/Director of CommunicationsAmy Smith, Senior Vice President/Deputy Counsel


Washington Conference Photo Recap

Top left: TBA Chairman Jeff Agee presented plaques to retiring board members Ron Samuels, David Allen, and Johnny Moore.Top right: Bankers attending the Mon-day evening ICBA Briefing.Center left: TBA Chairman Jeff Agee (L) and Government Relations Committee Chairman Lee Moss (R) present a Bank-Pac check to ICBA’s David Moore, Ron Haynie, and Paul G. Merski.Center right: Paul G. Merski, ICBA ex-ecutive vice president for congressional relations and chief economist.Bottom right: Ron Haynie, ICBA executive vice president, mortgage services.Bottom center: David Moore, ICBA senior vice resident, Southeast Region.Bottom right: Logan Hickman, Donna Smith, Paul Willson.


TBA President Colin Barrett addresses the Washington Conference.

Bill Hagerty, commissioner of the TN Department of Economic and Community Development, guest speaker

Lee Moss, Government Relations Com-mittee chairman, MidSouth Bank, Mur-freesboro

Todd Berry of the Federal Home Loan Bank of Cincinnati, sponsor of Monday evening’s dinner.

Memphis bankers Johnny Moore, SunTrust Bank; Jeff Hudson, Renasant Bank; and Mike Edwards, Paragon Bank talk during the ICBA reception.

Ted Williams, TriStar Bank; Sammy Stuard, F&M Bank; Todd Berry, FHLB of Cincinnati; Jim England, Decatur County Bank; and TDFI Com-missioner Greg Gonzales

Members of the Tennessee group network during the ICBA reception.


Thank You to Our 2014 SponsorsBaker Donelson – TBA Board Meeting, Independent Bankers Division Board meeting, Bus Transportation, Mobile App

Independent Community Bankers of America Monday Reception

Federal Home Loan Bank of Cincinnati Monday Dinner

KraftCPAs PLLC – Tuesday Breakfast

EverFi, Inc – Tuesday Reception

Conference of State Bank Supervisors Wednesday Lunch

Bill Marsh, First Commerce Bank, Lewisburg

Robby Moore, Bank of Lewis County; Barry Cary, Farmers and Mer-chants Bank; Phillip Renfroe, Community Bank; and Craig Fitzhugh, Bank of Ripley

Brian Mobley, Financial Products and Services, Inc, and Ron Samuels, Avenue Bank

Craig Holley, CapitalMark Bank & Trust, and Barry Cary, Farmers and Merchants Bank

Charles Gleghorn, Bank of Lincoln County, and YBD President Emily Gray, The Hardin County Bank



Michael Stevens, executive vice president, Conference of State Banking Supervisors, addressed the group during the town hall meeting

BankPac check presentation (L-R) James Ballentine, ABA executive vice president, congressional relations; Tommy Bates, Legends Bank; Paul Katz, ABA executive vice president, large bank group; Jeff Agee, TBA chairman, First Citizens National Bank, Dyersburg; and Colin Barrett, TBA president

Tuesday morning ABA Briefing: L-R Ken Clayton, legal affairs & chief counsel; Richard Riese, Center for Regulatory Compli-ance; Joe Pigg, senior counsel, mortgage finance; Mike Hunter, chief operating officer

Bankers enjoyed breakfast, sponsored by KraftCPAs, during the Town Hall Meeting with the commissioner. Avenue Bank’s Ron Samuels, top center, asks a question, flanked by Wynne Baker of Kraft and Gordon Majors, The Hardin County Bank.

Commissioner Greg Gonzales, TN Department of Financial Institutions, with Michael Hagan, Reelfoot Bank.


Rep Marsha Blackburn, 7th District

Rep Jim Cooper, 5th District

Senator Bob Corker and Senator Lamar Alexander took time from their busy sched-ules to visit with the Tennessee bankers.

Michael Comer, Citizens National Bank, Sevierville, had a question for the senators.

Some of the Tennessee delegation dined at the Capitol Hill Club prior to their afternoon sessions.

Mark Miller, Baker, Donelson, Bearman, Caldwell & Berkowitz; FDIC Vice Chairman Thomas M. Hoenig; and TDFI Commissioner Greg Gonzales during the FDIC luncheon.

Rep Diane Black’s staff: Banking Assistant Mary Anne Ludwig and Chief of Staff Teresa Koeberlein spoke.



Bankers listen intently to their representatives in Washington during Tuesday afternoons sessions at the Capitol

Mike Edwards, Paragon Bank, and Phillip Calahan, Peoples Bank & Trust Company

Richard Vaughn, chief of staff for Rep Scott DesJarlais, 4th District

TBA endorsed partner EverFi sponsored a reception for the group on Tuesday evening. Pictured (L) are Tommy Bates, Legends Bank; Steve Raines, Progressive Savings Bank; and EverFi representative Ryan Swift. (R) Jay England, Decatur County Bank, talks with Swift.

Rep Phil Roe, 1st District, center, stopped to talk with bankers David Verble, Ron DeBerry, and Allen McClary.

Rep Steven Fincher, 8th District


Phillip Renfroe, Community Bank, Lexington; Barry Cary, Farmers and Merchants Bank, Trezevant; and Adam Smith, Butler Snow LLP, Nashville, at the EverFi reception.

Connie Edwards, Banc Compliance Group, Inc, Franklin speaks with Greg Gonzales prior to the Wednseday morning OCC briefing.

Several executive members of the Office of the Comptroller of the Currency met with the Tennessee group. Pictured above are Dan Stipano, deputy chief counsel; Jennifer Kelly, senior deputy comptroller, Midsize and Community Bank Division; Paul Nash, chief of staff; Larry Hattix, senior deputy comptroller for enterprise governance; Grovetta Gardineer, deputy comptroller for compliance policy.

Mark Hayes, First National Bank of Pulaski, had a question for the OCC panel.

Michael Swain, The First National Bank of Oneida; Scott Cocanougher, First Community Bank of Bedford County; Philip Calahan, Peoples Bank & Trust Company; and Robby Moore, Bank of Lewis County.



Frank Freels, Volunteer State Bank, discusses an issue during the OCC meeting.

TBA Chairman Jeff Agee, First Citizens National Bank, and Jennifer Kelly, OCC senior deputy comptroller, Midsize and Community Bank Division

Members of the Consumer Financial Protection Bureau (CFPB) met with the Washington delegates. Pictured L-R: Priscilla Walton-Fein, senior counsel; David Friend, counsel; Nick Hluchyj, senior counsel, Office of Regulations; Elizabeth Ellis, deputy assistant director for financial institutions; Naomi Karp, policy advisor

David Allen, First National Bank, Lenoir City, voiced common frustrations with the impact of some CFPB regulations on community banks.

Bankers listen intently to comments from the CFPB staff.

Larry Hattix, OCC senior deputy comptroller for enterprise gover-nance, talks with Michael Comer, Citizens National Bank.

Jeff Agee, First Citizens National Bank, Dy-ersburg, and John Ryan, president and CEO, Conference of State Bank Supervisors (CSBS), during the luncheon hosted by CSBS.


Athens ...........................................................Citizens National Bank ......................................................Jason HousleyAtmore, AL ...................................................United Bank .......................................................................David StewartBartlett ..........................................................Bank of Bartlett .......................................................................Justin ByrdBrandon, MS .................................................BankPlus .....................................................................................Lee FreyBrownsville ...................................................First South Bank .............................................................Regen ThorntonChattanooga .................................................First Tennessee Bank, NA....................................................John Douglas*Chattanooga ...............................................First Tennessee Bank, NA .................................................... Ryan GentryChattanooga .................................................Northwest Georgia Bank ................................................... Rich BalthropClarksville .....................................................Legends Bank .......................................................................Jason FielderCookeville .....................................................Putnam 1st Mercantile Bank ............................................... Jenny WilsonCookeville .....................................................SouthEast Bank .................................................................... Jeremy Jones*Dunlap ........................................................Citizens Tri-County Bank ............................................. Gregory JohnsonDyersburg .....................................................First Citizens National Bank .............................................Eric RobertsonEldorado, IL ..................................................Legence Bank .....................................................................VanessaBotarfFayetteville ....................................................First National Bank of Pulaski .................................................. Jeff AlderGrenada, MS .................................................The Cleveland State Bank ................................................Chris HathcockHendersonville ..............................................CapStar Bank ........................................................................Jason KotlerHendersonville ..............................................Wilson Bank & Trust .........................................................Taylor WalkerHonaker, VA .................................................New Peoples Bank, Inc .....................................................Tammy HerronIndianola, MS ...............................................Planters Bank & Trust Company ............................................. Joel MoorJackson .........................................................Community Bank ............................................................... Nathan SmithJohnson City .................................................TriSummit Bank .................................................................. David BrownLewisburg .....................................................First National Bank of Pulaski ......................................Elizabeth Jackson

I n May, 45 banker students completed requirements for graduation from The Southeast-

ern School of Commercial Lending (TSSCL). Established in 1984, the intensive, week-long school, held at the Barrett Training Center in Nashville, exposes students to the major issues commercial lenders face, with special emphasis on how the economy and business structure affect lending decisions.

TBA conducts the annual school in conjunction with the Georgia, Louisiana, and Mississippi bankers associations.

The 2014 graduating class included

32 students from Tennessee, as well as bankers from Alabama, Illinois, Ken-tucky, Mississippi, and Virginia.

Four students graduated with hon-ors, ranking in the top 10 percent of the class based on their mid-term and final examination scores and faculty and board evaluations. They were:• Blake Culver, The First National

Bank of Oneida, Oneida, TN• Ryan Gentry, First Tennessee Bank,

NA, Chattanooga, TN• Gregory Johnson, Citizens Tri-Coun-

ty Bank, Dunlap, TN• Justin Nipper, The Farmers Bank,

Portland, TNA complete list of the 2014 gradu-

TSSCL 2014 Graduates

ates, arranged alphabetically by city, accompanies this article.

CurriculumTSSCL instructors use a combina-

tion of traditional classroom lectures and interactive case studies to cover basic and advanced analytical tech-niques and how to apply them when pricing and structuring loans. During the week-long program, students completed more than 45 hours of classroom instruction in 11 modules.

The curriculum also addresses com-mercial real estate lending, how prob-lem loans develop, and the appropriate

The Southeastern School of Commercial Lending45 Graduate 2014 Session

continued on page 36


TSSCL 2014 Graduates

Madison, AL .................................................Reliance Bank ...............................................................Hamlin CaldwellMayfield, KY .................................................FNB Bank, Inc ...................................................................Trice SeargentMcMinnville .................................................Security Federal Savings Bank of McMinnville .......................Matt RainsMcMinnville .................................................The First National Bank of McMinnville ........................ Amanda NorrisMemphis .......................................................First Tennessee Bank, NA.................................................James WilliamsMurfreesboro ................................................The First National Bank of McMinnville ........................... Stacy VincentNashville .......................................................City National Bank .............................................................. Linda PayneNashville .......................................................First Tennessee Bank, NA............................................. Kacy PendergrassNashville .......................................................First Tennessee Bank, NA.............................................. Joseph RedmondNashville .......................................................Legends Bank ................................................................... Tommy CouchNashville .......................................................Renasant Bank ..................................................................Diane LeBlancNashville .......................................................Tennessee Valley Authority ................................................. Holly Jordan*Oneida ........................................................The First National Bank of Oneida ..................................... Blake CulverPascagoula, MS .............................................Merchants & Marine Bank ...........................................Landon McCartyPennington Gap, VA......................................Lee Bank and Trust Company .............................................Jennifer PettyPigeon Forge .................................................Tennessee State Bank........................................................Melissa FrazierPortland ........................................................The Farmers Bank .........................................................Andrew Jennings*Portland ......................................................The Farmers Bank ............................................................. Justin NipperRidgeland, MS ..............................................The Citizens National Bank of Meridian ..........................Thomas HarrisSaltillo, MS ...................................................Mississippi Land Bank ............................................Matthew KimbroughSenatobia, MS ...............................................Mississippi Land Bank .......................................................... John TaylorWinchester ....................................................Traders Bank ........................................................................ David Smith* Denotes honor graduate


OfficersVice Chairman - Truitt Ottinger, Senior Vice President, Tennessee State Bank, Newport

Past Chairman - Thomas Bates, Jr, President/Chief Operating Officer, Legends Bank, Clarksville

TrusteesRoy Haisley, Executive Vice President/Lending Manager, First National Bank of Tennessee, Crossville (2014)

Terry Eastwood, Senior Vice President/Chief Lending Officer, First Bank of Tennessee, Dayton (2014)

Kirk Goehring, Chief Lending Officer/Senior Vice President, First South Bank, Jackson (2014)

Steven J. Hawkins, Executive Vice President, First Tennessee Bank, NA, Memphis (2015)

Mitch Higdon, Executive Vice President/Senior Credit Officer, First Citizens National Bank, Munford (2015)

Ben Rudd, President/Chief Lending Officer, Heritage Bank & Trust, Columbia (2016)

David Miesner, Executive Vice President/Chief Lending Officer, Reelfoot Bank, Union City (2016)

2014 TSSCL Student ProfileGeneral Profile DataTennessee .....................................32Alabama .........................................2Illinois ............................................1Kentucky ........................................1Mississippi .....................................7Virginia ..........................................2

Female ..........................................14Male .............................................31

Education(Highest Level Achieved)High School ...................................1Some College ..................................2Associate Degree ............................0Bachelor Degree ...........................35Graduate Degree ............................6

Year’s of Bank ExperienceLess than 1 year .............................31 – 5 years ....................................106 – 10 years ..................................1211 – 20 years ................................1620+ years ........................................4

Commercial Lending ExperienceLess than 1 year .............................51 – 5 years ....................................266 – 10 years ..................................1011 – 20 years ..................................420+ years ........................................0

Size of Bank - AssetsUnder 50 million ............................251 – 100 million .............................1101 – 500 million .........................16501 million – 1 billion ..................17Over 1 billion .................................6Other .............................................3

Size of Bank’s Loan PortfolioUnder 1 million ..............................21 – 5 million ...................................06 – 10 million .................................011 – 50 million ...............................051 – 100 million .............................3Over 100 million ..........................37Other .............................................3

techniques for managing them. The school concludes with an overview of key elements of a bank’s credit process.

Admission RequirementsBankers accepted to attend TSSCL

must have a minimum of one year’s experience in commercial lending or credit administration or five years of general banking experience in addi-tion to several prerequisite courses acquired through AIB or college classes. Enrollment is limited to TBA members, associate members, and nonmembers from an eligible mem-

bership category or members of one of the other sponsoring state associations.

Plan to Attend the 2015 Session of TSSCL

The 2015 session of TSSCL is tenta-tively scheduled for May 17–22.

Brochures containing complete in-formation and application forms will be mailed in February of next year.

If you have questions about TSSCL or any of The Southeastern Schools, please contact Susan Taylor, CMP, in the TBA of-fice at 615-244-4871 or 800-964-5525 or via e-mail to [email protected]. ■

TSSCL continued

Members of the 2013-2014 Board of Trustees


John Barrickman, president, New Horizons Financial Group, LLC, Fernandina Beach, FLClasses - The External Environment, Understanding the Borrower’s Business, Assessing the Borrower’s Competitive Position, Evaluating Management, Qualitative Issues, As-sessing Borrower Performance, Analyzing Personal Financial Statements & Tax Returns, Projecting Future Performance

Jerry W. Crigger, DA, Chair of Excellence in Banking and Financial Services, College of Business, Tennessee State University, Nashville, TNClasses - Loan Structure and Support, Responsible Com-mercial Real Estate Lending, Select Distributors Presenta-tion, Effective Relationship Management, Identifying and Managing Problem Loans, Establishing Credit Discipline

2014 TSSCL Instructors

John Barrickman Jerry W. Crigger


April 15 & 16, 2014

STRATEGIC TECHNOLOGY2014 CONFERENCE PHOTO RECAP

1. Past Technology Committee Chairman Joe Atnip (R) presents Chairman Dustin Atkins (L) with an engraved clock.

2. Lee Wetherington, ProfitStars, discussed All Things Mobile at the first session of the conference.

3. & 4. Agents Scott Augenbaum &Victor Rodriguez, of the Intelligence Squad of the FBI, spoke on emerging cyber crime threats in banking.

5. & 6. Mark Burnette and Frank Knobbe of LBMC Managed Security Services presented a technical track session on IDS/IPS Layered Security.

7. & 8. Timothy Ryan and Marc Brawner covered internal IT security and risk with their executive track session on Incident Response Preparation.

1

2 43

6 7 85


Thank You To Our SponsorsCrowell & Crowell, PLLC, Franklin, TN – Exhibit Closing Reception, April 15

Diebold, Inc, Franklin, TN – Continental Breakfast, April 15

KraftCPAs PLLC, Nashville, TN – Pocket Agendas

The Nexus Group, Inc, Nashville, TN – Continental Breakfast, April 16

9. Kristin Stedman, senior vice president of Tennessee Automated Clearing House Association, presented a session on the latest trends in P2P payments.10. Chuck Bloomquist, BEW Global, dis-cussed a step-by-step process to build a risk-based, cost-effective program.11. Trent Fleming, covered Managing Your Core Vendor Relationships in his Tuesday evening session. 12. Panelists (L-R) Clyde McClaran, Ran-dy Dover, Richard Spradlin, and Randy Graham debate Hot Buttons for IT Exams.13. Cy Sturdivant of Crowell & Crowell and Gina Pruitt of KraftCPAs moderated the panel. 14. Jack VonderHeide presented 10 in-novations that will change the way we live and work.

9 10

12

13 14

11


Strategic Technology Exhibitors

2014 EXHIBITORSAaSys Group, Nashville, TNArtis Networks, Inc, Lafayette, TNBankpak, Inc, Morrison, TNBusiness Credit Reports, Gallatin, TNCardinal Software, Johnston, IACoNetrix, Lubbock, TXConcept Technology, Inc, Nashville, TNCrowell & Crowell, PLLC, Franklin, TNDiebold, Incorporated, Franklin, TNElliott Data Systems, Inc, Memphis, TNFederal Reserve Bank of Atlanta, Nashville, TNHiscall, Inc, Dickson, TNIntegra Software Systems, LLC, Franklin, TNJack Henry & Associates, Inc, Monett, MOKraftCPAs PLLC, Nashville, TNLBMC Security & Risk Services, Brentwood, TNNcontracts, Brentwood, TNNETBankAudit, Alexandria, VANetGain Technologies, Chattanooga, TNPrintMail Systems, Inc, Knoxville, TNPugh CPAs, Knoxville, TNSafe Systems, Inc, Alpharetta, GASupernal Software, LaCrosse, WISynTel, LLC, Jonesboro, ARThe Nexus Group, Inc, Nashville, TNTransFund, Tulsa, OKtw telecom, Nashville, TN


Strategic Technology Exhibitors continued


In May, US Bank, NA, Sparta, Friends of White County Animals (FWCA), and Daisy’s Legacy sponsored the area’s first–ever Mutt Strut 5K and 1–mile Fun Run/Walk, with well-behaved pooches and their owners participating. The strut raised funds for the FWCA to raise public awareness of the increasing number of unwanted animals being born in White County, initiate and support education efforts in the local schools to emphasize kindness to animals, and the

importance of spaying and neuter-ing pets. ■

Sevier County Bank, Sevierville, found out from local volunteer fire-fighter Sean McCune that he and his colleagues suddenly were without funds formally designated to keep crit-ical equipment operational because a nationally known battery manu-facturer recently dropped a grant program for volunteer fire department across the county.

“We use AA batteries in our air packs, notifying us when our air bottles are running low or signals an emergency alarm system when a fire-fighter is injured or trapped,” said the 33‐year‐old McCune, who is a mem-ber of the Sevier County Volunteer Fire Department, one of the 11 county volunteer fire departments, represent-ing 23 fire stations and approximately 400 firefighters, serving Sevier County. Each volunteer fire station relies on 150–300 AA batteries each year bring-ing the total yearly range anywhere from 1,650 to 3,300 AA batteries.

This spring, Heritage Bank & Trust, Columbia, hosted a community blood drive in the bank’s community room. Andrea Lockridge, DDA operations manager, coordinated the effort with Maria Bates of the American Red Cross and their team. The bank’s drive exceed-ed expectations with 31 pints donated by staff and customers of the bank. Heritage Bank & Trust also served as host for the “Banking for Blood” chal-lenge into late June. This blood drive is a friendly competition among area banks to challenge their staff members to give blood to help others throughout the Columbia area. ■

Progress ive Sav ings Bank, Cookeville, Tennessee Technologi-cal University College of Business, and the university’s Tennessee Small Business Development Center co-sponsored a seminar on social media marketing. Jen Dangelo, director of TTU’s Tennessee Small Business De-velopment Center showed the partic-ipants how to market their business through social networks such as YouTube, Facebook, Twitter, and blogs. The seminar further explained how social networking can increase visibility, strengthen a brand, and generate more sales for a business. ■

Sevier County Bank pledged its support by designating April and August—the months beginning with the let-ter “A”—as part of its AA Battery Campaign. SCB has asked all the offices in its six-branch network to collect bat-teries of any brand from members of the community.

“Like our food drive last fall, this is an honorable, worthy event that anyone in our community can get involved,” said President and CEO Matthew A.R. Converse. “These men and women are volunteers who put their lives on the line each time they’re called to a fire. Our community could make a dramatic impact if each of us would contribute

our time and money to help our vol-unteer fire departments restock their battery inventories,” Converse said. “You could be the one who saves a life through your donation.” ■

Community Corner

Sevier County Bank Creates AA Battery Campaign to Support Volunteer Firefighters

US Bank, Sparta, Sponsored Inaugural Mutt Strut 5K for the FWCA

Heritage Bank & Trust Hosts Community Blood Drive

Progressive Savings Bank Cosponsors a Seminar on Social Media


On behalf of Citizens Community Bank, Winchester, President Dennis Walker and Executive Vice President Chris Parker presented a $1,000 dona-

In April, Citizens State Bank, South Pittsburg, celebrated National Cornbread Festival by hosting a com-munity-wide scavenger hunt called “The Great Pig Hunt,” that gave each participant a chance to win cash! The scavenger hunt took place on the last Saturday of the month with a total of 11 piggy banks placed throughout Marion County for people to locate and win cash—one prize per person.

To officially launch the hunt, bank

On behalf of the Clayton Family Foun-dation, The Farmers Bank, Lynchburg, a division of Clayton

Bank and Trust, donated $500 to the Moore County 4-H. ■

First State Bank, Union City, is a proud supporter of WRAP, the only agency in West Tennessee providing services to both domestic and sexual violence survivors. Bank employees recently held a “baby shower” hon-oring WRAP. ■

First State Bank, Union City, spon-sored a field trip for the third–grade class at Isaac Lane Technology Mag-net Elementary School to the Discov-ery Park of America in Union City to learn more about space, a subject the class had been studying since last fall. The field trip was the first of a series of outings sponsored by First State for the Jackson-Madison County schools, according to Anna Page, mortgage loan officer at First State.

The bank will provide four field trip grants for county schools each year, with the next one scheduled for the upcoming fall semester. The classes selected to visit the Discovery Park must first submit les-son plans to First State bank describing the way the park can help enhance the students’ learning experience.

“We just wanted to be a partner in education, to broaden the students’ education not only with the lessons plan but also with the Discovery Mu-seum. It’s a way for us to give back to the community,” said Page. ■

The top educators in Sevier County rep-resenting primary, middle, and secondary grades were formally recognized recently during the 20th annual ceremonial event hosted by Sevier County Bank, Sevier-ville. Sarah Cheek, Heather Burkhart, and Cindy Rule were named 2013-2014 Teachers of the Year, competing against the best teachers in the Sevier County School System, including 48 nominees represent-ing 25 schools. Winners were selected by school colleagues. Burkhart and Rule also placed second in the state regional Tennessee Teacher of the Year competition.

“There are few professions more important than being called to teach

young people,” said Sevier County Bank president and CEO Matthew A.R. Converse. “They motivate and shape the minds of our children. We are fortunate to have a community that supports our school system and a school system that ranks among the highest programs in the state.”

In attendance were representatives from the Sevier County Board of Edu-cation, members of the Sevier County School Board, many school admin-istrators, as well as executives from Sevier County Bank. R. B. Summitt, II, member of the Sevier County Bank board of directors, emceed the event. ■

president Geoff Post announced the clue for the first piggy bank via a video from the bank’s Facebook page. Ten other clues were posted throughout the morning to the page. One piggy bank contained $300 in cash, with the other 10 containing $50 each.

In order to win a prize, a person had to become a CSB Facebook fan, solve the clue, be the first to reach the CSB team members at the location indicated on the clue, take a picture of themselves

with the pig and the bank team members at the location, and post the image on the Facebook tagging Cit-izens State Bank in the picture.

Cash prizes were redeemed inside the Cornbread Festival by the CSB stage. The win-ner of the grand piggy bank worth $300 was Nicole Rawlston. ■

Citizens State Bank Celebrates National Cornbread Festival with Unique Scavenger Hunt

Sevier County Bank Recognizes Teachers of the Year

Citizens Community Bank Sponsors Catch-a-Fish Rodeo

First State Bank Supports WRAP Agency

The Farmers Bank, Lynchburg, Donates to Moore County 4-H

First State Bank Sponsors Third-Grade Field Trip

tion toward the annual Jonathan Ack-len Catch-a-Fish Rodeo, which took place June 7. The bank is a sponsor of the event, now in its 24th year. ■


Three Tennessee banks recently placed in the top 200 community banks in the US, according to the May 2014 edition of the American Banker magazine. First Citizens National Bank, Dyersburg, was the only Ten-nessee institution in the top 100 with a ranking of 53rd. Truxton Trust, Nashville, ranked 106th, and New-port Federal Bank, Newport, came in at 162. Annual rankings are based on a three-year average return on equity

Ronald L. Samuels, chairman and CEO of Avenue Bank, Nashville, an-nounced that the company now offers mobile deposit services for Avenue clients as a part of its mobile banking smartphone app.

“Our personal banking and small business clients can now use a smart-phone to deposit checks without having to visit a branch or mail in their deposit,” Samuels said. He not-ed that the service has been received enthusiastically by the bank’s clients. “They love this new service, and (we) are pleased with an early adoption rate that exceeded our expectations.”

The mobile banking app enables customers to review accounts and balances, as well as see transactions, history and details, transfer funds, and make deposits—all from a smart-

Bank of Bartlett, Bartlett, recently launched a new website, bankof-bartlett.com, designed to provide a seamless and responsive banking ex-perience across smartphones, tablets, and computers and featuring online application for opening an account,

John C. Clark, president and CEO of First State Bank and Community Bancshares, Union City, was honored as the 2014 Weakley Countian of the Year at the annual Chamber President’s Banquet held in April. Clark entered the banking business in 1976 as a teller with the Bank of Sharon, which had assets of about $20 million. Fast forward almost 40 years later, and Clark’s responsibilities have grown. As president and CEO of First State Bank and Community Bancshares, he is responsible for a bank with assets of $1.9 billion with 31 full-service loca-tions in more than 14 counties and 25 communities throughout Tennessee. In addition, he serves on numerous boards and committees. ■

Denise Cobb, executive vice presi-dent and chief administrations officer at FSG Bank, NA, Chattanooga, was elected secretary of the 2014-2015 board of directors for Habitat for Humanity of Greater Chattanooga. Gabrielle Charles Sanders, attorney and business analyst in the corporate compliance division at BlueCross BlueShield of Tennessee also serves on the board of directors. ■

Lattimore Black Morgan & Cain, PC, Brentwood, was recently named as one of the Top 50 accounting firms in the US by Accounting Today. ■

Bank Notes

of publicly traded banks and thrifts with total assets less than $2 billion.

Jeff Agee, president and CEO of First Citizens, stated, “This is not by accident, as return on equity is a core measuring tool and a primary driver of shareholder return. Shareholder return is a major component of our mission statement. I am proud of our team and the hard work that they do for the cus-tomers and communities we serve.” ■

Three Tennessee Banks Place in Top 200 Community Bank List

Denise Cobb Elected to Habitat for Humanity Board of Directors

Clark Honored as 2014 Weakley Countian of the Year

Accounting Today Names LBMC, a Top 50 Accounting Firm in the US

Avenue Bank Now Offers Mobile Banking

Bank of Bartlett Launches New Website

phone or tablet. The free app is available for Android, iPhone, and iPad devices.

Mobile banking links directly to Avenue’s online banking with screens modified to be seen on a mobile device. To access the mobile banking app, cus-tomers must register for online banking first; but there is no additional enroll-ment or applications to download.

Avenue Bank client Abby Flittner, owner of Nashville Guru, an online pub-lication highlighting the best of Nash-ville’s neighborhoods, is excited about the convenience of new service. “As a small business owner, I receive multiple checks each week, so being able to depos-it them immediately with my smartphone will be faster and more efficient. I will miss the warm cookies and smiling faces at the branches, though.” ■

educational modules that explain things such as the differences in mortgage loans, and a glossary with simple definitions of mortgage terminology. The site also allows access to personal accounts, up-to-date interest rates, and bank branch information. ■


Sevier County Bank’s rebranding campaign came home with a Silver Addy Award from the recent American Ad-vertising Federation of Knoxville’s 49th annual awards show, one of nine awards received by marketing firm DMG Bluegill. The Sevierville bank’s branding work won in the Integrated Campaign Division and included the design of the bank’s new logo and its execution in a number of elements including billboards, printed materials, ATM machines, mobile apps, giveaways,

LeAnn Mynatt was elected a fel-low of the Tennessee Bar Foundation. Mynatt is a shareholder at Baker, Donelson, Bearman, Caldwell & Berkowitz, PC, Knoxville. ■

Southern Community Bank, Tulla-homa, will expand into Chattanooga this year, its fourth market since the bank began as the Bank of Tullahoma in 2005. Southern Community Bank recently acquired the former home of FSG Bank, NA, at 817 Broad Street to house its new Chattanooga facilities and hopes to open in June. Robert Stahl, a seasoned banker with 37 years’ experience, will serve as city president of the first Chattanooga office, noting “We will add more (offices) as demand warrants.” ■

Mynatt Elected Fellow of TN Bar Foundation

Horne LLP Named to Top 100 Accounting Firms

Southern Community Bank Expands into Chattanooga

Accounting Today has named HORNE LLP, Jackson, to the 2014 Top 100 Firms list, ranking HORNE as 49th largest firm in the nation based on its 2013 net revenue. This was HORNE’s fourth Top 50 ranking in the last five years.

HORNE reported annual reve-nues of $67.37 million in 2013, a 6.06 percent growth rate from the previous year, making HORNE the fourth largest firm on the Gulf Coast.

With offices in Mississippi, Lou-isiana, Tennessee, Alabama, and Texas, the firm focuses in health care, construction, financial institutions, franchise, government services, pub-lic and middle market, and wealth advisory. ■

Sevier County Bank Wins Silver Addy Award for Rebranding Campaign

First Vision Bank of Tennessee Opens Its First Murfreesboro Branch

First Vision Bank of Tennessee, Tullahoma, has opened its first Mur-freesboro office on West Main Street. But, according to Murfreesboro branch president Chris Henson, business bank-ers will rarely be found there because of the availability of electronic technologies that make banking easier for their cus-tomers, reducing the need to go to the bank to see a banker.

Henson continued, “With approx-imately 20 banks doing business in Rutherford County, First Vision wanted and needed to be different. (Not) all businesses . . . need a bank to come to

hats, and T‐shirts, among others.Sevier County Bank president and

CEO Matthew Converse expressed congratulations to DMG Bluegill. “We are proud of our partnership with DMG Bluegill, from the creation of our new logo to other campaigns reflecting our long-standing commitment to this community.” As a winner of a Silver award, the Sevier County Bank cam-paign will advance automatically to the regional and national levels. ■

them. But for the businesses that do, we’re going to be there.”

The bank’s vision is to take banking services straight to the front door of their business clients. This high-touch brand of service focuses on extreme customer convenience—deposits pick-up, taking care of loan details, providing onsite deposit capabilities, plus offering and supporting cash management services. Each service is adapted to appeal to en-trepreneurs, professionals, and business owners who want or need the ability to use all kinds of bank services without leaving their own place of business. ■


Jackie Charles, vice president and business development officer of First Community Bank of East Tennessee, Rogersville, has been honored as Hawkins County Volunteer of the Year and Anita Kay Archer, assistant vice president of Bank of Jackson, Jackson, as Madison County Volun-teer of the Year by Volunteer Tennes-see. Each received their awards at the Sixth Annual Governor’s Volunteer Stars Awards ceremony in March.

Tennessee First Lady Crissy Haslam

spoke to the winners from 39 counties, and 2013 Miss Tennessee Shelby Thomp-son helped present the awards.

One adult and one youth volunteer were selected from each of the partic-ipating counties to receive this presti-gious award based on three criteria—Volunteer must work to strengthen their communities, meet compelling needs of the community, and have a voice in promoting the message of the rewards of volunteering in Tennessee. ■

First Bank & Trust Company, a diversified financial services firm with offices in Washington and Sullivan Counties, announced that its agri-cultural lending division was ranked among the top 100 agricultural banks in the nation. The listing was published by the American Bankers Association based on fourth quarter 2013 FDIC reports. Rankings were based on total agricultural loan vol-umes and included loans secured by farmland held in domestic offices and loans to finance agricultural produc-tion loans to farmers.

At year’s end, FB&T Company’s 2013 agricultural loan portfolio totaled $227 million in outstanding agricultural loans.

The American Bankers Associa-tion ranking followed an earlier an-nouncement from American Banker that First Bancorp, Inc, the parent company of First Bank & Trust Com-pany, was ranked among the most ef-ficient bank holding companies in the nation. That report stemmed from information provided by Financial Information Systems, LLC, based on top-tier holding companies that file a Y-9c statement with the Fed as of June 30, 2013. ■

Two Bankers Receive Volunteer of the Year Awards

Forbes Recognizes Community Trust Bancorp as One of America’s Most Trustworthy Financial Companies

First Bank & Trust Company Ranked Among Top 100 Agricultural Banks in US

Community Trust Bancorp, Inc, parent company of Community Trust Bank, LaFollette, was recognized by Forbes magazine as one of “Ameri-ca’s 50 Most Trustworthy Financial Companies.” Community Trust Bank was ranked first in the “Small Cap” category ($250 million to $1 billion).

The Forbes list is based on propri-etary ratings provider and investment advisor GMI Ratings. To develop lists of trustworthy organizations in different industries, GMI reviews the accounting and governance behaviors of more than 8,000 publicly traded North American bank and insurance companies. In assessing each compa-ny, GMI considers factors including high-risk events, revenue and expense recognition methods, SEC actions, and bankruptcy risk as indicators of a company’s credibility.

“We are pleased and humbled that Community Trust has been recognized in this Forbes survey,” said Jean Hale, chairman, president, and CEO of Community Trust Bancorp. “Stew-ardship of our company’s shareholder assets is a fundamental responsibility

which we strive to discharge through stringent corporate governance and accounting processes.”

Community Trust Bancorp, Inc, has been a member of the NASDAQ Global Select Market since its inception in 2006. NASDAQ recognized CTBI’s inclusion in the 50 Most Trustworthy Fi-nancial Companies with the announce-ment on their tower at Times Square in New York City.

Community Trust Bancorp, Inc, with assets of $3.6 billion, is headquartered in Pikeville, KY and has 71 banking locations, including four banking loca-tions and one trust office in Tennessee. ■

Bank Notes continued


Raymond James & Associates, Nashville, has announced the sign-ing of a multi-year lease agreement to occupy some 30,000 square feet of space at Gulch Crossing, Mar-ketStreet Enterprises’ newest office building in the mixed-use Gulch neighborhood. Positioned at a gate-way location to downtown, Gulch

The USDA Rural Development announced that the agency’s home loan guarantee program reached a record high in Tennessee. First State Mortgage, Union City, contributed to that record with 282 rural devel-opment loans totaling more than $31 million.

“Home ownership builds strong communities,” said RD Housing Program Director for Tennessee Don Harris. “Our private lending partners have done an outstanding job using this program to increase the number of affordable loans they can make for families across the state.”

“First State has always been com-mitted to providing the best available product that meets the need of the communities we serve. The USDA Rural Development loan is one of those products,” said Jeff Devereaux, division sales manager/executive vice president for First State Mortgage.”

First State Mortgage has 14 mort-gage offices located throughout Tennessee. ■

First Vision Bank of Tennessee, Tullahoma, has received approval from the FDIC and to form a one-bank holding company, now operating as First Vision Bank Financial, Inc.

“The creation of First Vision Finan-cial, Inc, provides enormous advantages to our organization as we evaluate ways to grow,” remarked Jim Penland, chairman and CEO of First Vision Bank and First Vision Financial, Inc. “In a nutshell, this move has greatly improved our capital planning and financial flexibility. First Vision is now in a superior growth position for future expansion into new markets, acqui-sition, adding financial products and services, or investing in business oppor-tunities that will benefit our client base. This is a very good move for our bank, our customers, and our community, and it goes a long way to ensure that First Vision Bank will remain independent and local,” Penland concluded.

First Vision Bank recently expanded banking services into Murfreesboro. The bank’s new operation relies not on a brick and mortar presence, but “mobile bankers” who take deposit, lending, and online cash management services directly to the front door of their business cus-tomers. Penland notes this is a move that First Vision management believes will appeal to a growing niche of entrepre-neurs overlooked by other banks.

First Vision Bank opened for business in 2005 and now has four offices in Frank-lin, Coffee, and Rutherford Counties. ■

Three Tennessee community banks were named recently to SNL Financials Top 100 best performing community banks with assets between $500 mil-lion and $5 billion. Clayton Bancorp, Inc, Knoxville, ranked 47th; Landmark Bank, Collierville ranked 51st; and Citi-zens Bank, Carthage ranked 92nd. SNL ranked the banks using six core perfor-mance metrics: return on average tangible assets before tax, net charge-offs as a per-centage of average loans, adjusted Texas ratio, efficiency ratio, net interest margin, and loan growth for the 12-month period ending December 31, 2013. ■

Ethel Powell, a branch manager and assistant vice president with Mountain Valley Bank, Dunlap, was selected as Woman of the Year by the Dunlap Charter Chapter of the American Business Wom-en’s Association. A longtime banker, Pow-ell has worked for MVB for 46 years. ■

Crossing is the first new Class A office building to begin construction in Nash-ville’s urban core since 2007.

“Our branch’s financial advisors, support staff, and our clients will be delighted with our move to the Gulch late next summer,” said Bill Lynch, manager of the firm’s West End Avenue retail office. For the roughly 30 private client group associates, as well as the 18–member team from Raymond James investment banking group and the two equity research associates who will make the move, this new space could not be more welcome. The Nashville office has grown from just four advisors in 2006 at opening to the 18 advisors now based in the West End Avenue lo-cation. The new Gulch office will allow the addition of 10 more advisors and their support. ■

Powell Selected as Woman of the Year by Dunlap ABWA

Tennessee Reaches Record High in USDA Home Loan Guarantee Program

Raymond James & Associates, Nashville, Moves to the Gulch

First Vision Bank of Tennessee, Forms Holding Company

Tennessee Banks Included in SNL Financial Top 100 Performing Community Banks

FirstBank Investment Partners, Lexington, recognized Regina Hehe for her achievements and honored her with the 2013 Excellence in Service Award. Hehe joined FirstBank in 1992 as an assistant to Darryl Presley. She has ably assisted Presley since that time and is often the person who shoulders most client service issues. ■

FirstBank’s Hehe Receives Award

continued on page 51


Promotions

Bank of America, NA, Nashville, has announced the promotion of Stephanie Bonner to area executive. Previously, Bonner was sales perfor-mance manager.

Bill Arant, Jr, has joined Capital Bank, NA, Greeneville, as executive vice president and senior commer-cial business development officer. Previously, Arant was executive vice president with SmartBank.

Civic Bank & Trust, Nashville, has named Richard Bobo chief lending officer and executive vice president. Karen Colbert was named loan sup-port officer.

FirstBank, Lexington, has named Mary Lankford Benson financial cen-ter manager at its Historic Five Points Post Office in downtown Franklin. Benson, a Franklin resident for 32 years, has worked in the financial services industry for over 30 years, having served for the previous 10 years as senior vice president, director of community relations, and private client services for Tennessee Com-merce Bank.

Bill Marsh, chairman and CEO of First Commerce Bank, Lewisburg,

announced that John T. “Jai” Eason, Jr, has joined the Lincoln County/Fayette-ville office as vice president. Eason is a seasoned banker/lender with over 20 years’ experience; he holds an MBA and is a graduate from the Graduate School of Banking at LSU.

“We are pleased to have someone with such outstanding qualifications to service our Lincoln County customers” said Marsh. “I believe he and Jeff Whit-more, president of the Fayetteville office, will make a great team along with our extraordinary and friendly staff at First Commerce Bank,” stated Marsh.

First National Bank, Lenoir City, an-nounced that Josh Howell and Ronnie McNabb have joined the bank. Howell, a certified financial planner, joined as a senior vice president and senior lending officer. Most recently, he was vice pres-ident and East Tennessee regional real estate manager for Green Bank/Capital Bank, NA, Greeneville. McNabb, a 39-year banking veteran, joined the bank as a senior vice president and Loudon regional commercial loan officer. In addition, Dave Roach joined the bank as vice president and commercial lender for the Knoxville market and Danny Crabtree as vice president and branch manager in Maryville.

George Pappas recently joined First Tennessee, NA, Memphis, as vice pres-ident of trust and estate administration and strategy. Previously, Pappas was employed by Argent Trust.

IBERIABANK, Memphis, recently announced the following changes to their staff. Stephanie Crosslin, with 16 years’ banking experience, was promot-ed to vice president and manager for the Laurelwood branch. The bank named

Ruby Fenton, with 15 years’ banking experience, as vice president and man-ager for the Wolf River branch; Rick Vollmer, a career-banker of 17 years, to vice president and manager for the Forest Hill branch; and Robert Wiles, with five years of banking experience, as assistant vice president and manag-er for the Cordova branch.

InsBank, Nashville, has added Janet Powell as a loan processor to keep up with its growing demand for consumer and commercial loans at its headquarters in Green Hills. Previously, Powell was an assistant branch manager for Bank of America.

MidSouth Bank,

Murfreesboro, has added Mur f r e e s -boro-area banker, Jeff McKee as a senior vice president with its commercial real estate lending group, according to bank chairman and CEO,

Lee Moss. McKee brings nearly 24 years of banking and lending experi-ence to this position. The bank also announced that Belinda Arender joined as vice president and mortgage originator. Before joining MidSouth Bank, Arender was vice president and sales manager for F&M Mortgage in Rutherford and Wilson counties.

C h r i s R i p p y , a financial services veteran, has joined Pinnacle Financial Partners, Nashville, as a senior vice presi-dent and area manag-er for Sumner County

Jeff McKeeMidSouth Bank, Murfreesboro

Chris Rippy Pinnacle Financial Partners, Nashville

L-R: Jeff Whitmore, John T. “Jai” Eason, Jr, Bill Marsh, First Commerce Bank, Lewisburg


working at Pinnacle’s Hendersonville office. Rippy has 20 years of financial services experience, spending the last 17 years at First Tennessee Bank, NA, where he served most recently as com-munity bank president for Sumner and Wilson counties.

Brian Austin has joined Regions Bank, Nashville, as a senior vice pres-ident and wealth adviser. Previously, Austin was a principal with Ayers Capital, LLC.

SmartBank, Pi-geon Forge, has an-nounced the addition of Mike Honeycutt as senior vice president, corporate commer-cial lending officer. Beginning his bank-ing career in 2000, Honeycutt most re-cently was senior vice

president and market president at BB&T for several East Tennessee counties.

Sumner Bank & Trust, Gallatin, has named Char l e s E . Hooks as executive vice president and chief cred-it officer. Linda O’Con-nell was added to the bank staff as a mortgage loan officer. Hooks, a veteran banker with a background spanning

more than 33 years, and O’Connell, a seasoned banker of 30 years, will serve at the bank’s Main Office in Gallatin.

Janet Weaver has joined SunTrust Mortgage Inc, Kingsport, as loan officer serving the Tri-Cities market. Weaver has 17-plus years’ experience in the mortgage industry and was previously a loan officer with Regions Bank.

The Farmers Bank, Portland, recent-ly welcomed Rick McGlohn, who will serve as a mortgage loan originator in the White House office. McGlohn has 10 years’ experience in the mortgage industry.

Meagan Morrow has joined Crow-ell & Crowell, PLLC, Franklin, as an associate and Austin Crowe as an intern.

Sean Norris has joined Pathway Lending, Nashville, as its new busi-ness development officer. Norris, a veteran executive with more than 20 years’ experience in financial ser-vices, will expand Pathway Lending’s reach to small and minority-owned businesses and those with federal and state government contracts. Based in Memphis, his work will span the state, with a concentration on West Tennessee.

Pugh CPAs, Knoxville, recently welcomed Jacob Pratt as a senior ac-countant and Jonathan Huddleston, Rusty Foust, and Steven Hill as staff accountants. ■

Mike Honeycutt SmartBank,

Pigeon Forge

Charles E. Hooks

Sumner Bank & Trust, Gallatin

Dale Fair, president of Bank of Ten-nessee, Kingsport, was recognized in Milligan College’s annual “Leaders in Christian Service” program held April 1.

“The purpose of this program is to provide examples of people who are

doing an outstanding job of integrating their faith with their profession,” said Milligan President Bill Greer. “We see in these individuals wonderful examples of what servant leadership is all about and what it can look like on a daily

Fair Recognized as a Leader in Christian Service by Milligan College

At the recent awards banquet of the Nashville Mortgage Bankers Associ-ation, Donna Ross, mortgage banker with FirstBank, Nashville, was pre-sented with the Award of Excellence for the number of families served and the extension of almost $15 million in home loans in 2013. ■

Kenitha Dillow Baird, e-banking operations officer with TriSummit Bank, Kingsport, recently received her credentials as an accredited ACH Professional. A career banker of more than 28 years serving in almost every area of banking operations, Baird joined TriSummit Bank in 2012. ■

Baker, Donelson, Bearman, Cald-well & Berkowitz, Knoxville, recently received the Corporate Council Pro Bono Law Firm Award from the Ten-nessee Bar Association for its work with the Legal Aid of East Tennessee. ■

Baird Earns ACH Accreditation

NMBA Presents Ross with Award of Excellence

Baker Donelson Receives Pro Bono Award from TN Bar Association

basis in a variety of professions.”One of 13 local honorees, Fair

responded with “heartfelt thanks” to his family and co-workers. “Very little could have been accomplished with-out their support and assistance.” ■

Bank Notes continued


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

Employment Opportunities

POSITION WANTED1405-2 SRO/CFOCommunity bank executive with 15 years of experience as chief financial officer. Has MBA with super-regional bank training and community bank experience. Ex-perienced in asset liability management, accounting, liquidity management, financial analysis, strategic plan-ning, and budgeting. Contact Brian Hawkins via e-mail [email protected] or call 706-340-1078.

1404-4 SECOND RANKING OFFICER/BRANCH ADMINISTRATION HEADInnovative, 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 delivera-bles, 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 AVAILABLE1406-7 ELECTRONIC BANKING SUPPORT SPECIALIST Growing East Tennessee community bank has im-mediate 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 min-imum 2 years’ experience in banking; demonstrated ability to provide excellent customer service; knowl-edge 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].

1406-6 TELLERGrowing 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 ANALYSTMiddle 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; excel-lent 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 PROCESSORSumner Bank & Trust is looking for an experienced residential/consumer loan processor to join our dy-namic, 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/cus-tomer 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 con-sumer loans, financial institution policies, procedures, and regulatory requirements as they relate to the loan department. Sumner Bank & Trust is an Equal Oppor-tunity 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 [email protected].

1406-1 BANK OPERATIONS OFFICERS, AUDITORS, AND/OR NETWORK ADMINISTRATORSNETBankAudit, 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 ser-vices 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 perfor-mance 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 au-diting are also available. Further, training related to the performance of technical network vulnerability assessments will be offered. Benefits include top sal-ary 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 com-pliance, and technology are also viewed extremely favorably. Applicant must have banking experience, including but not limited to internal auditor, opera-tions, 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 Tech-nology’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 BANKERCohutta 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 de-velop and maintain relationships with commercial clients to generate revenue and deposit growth. Ad-ditionally, 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 perfor-mance, 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 busi-ness 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 COORDINATORBancorpSouth 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 commer-cial 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 OFFICERCFO 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 regu-lations. Day–to–day oversight and direction includes treasury, accounting, budget and budget analysis, tax and audit responsibilities, financial/accounting sys-tems 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. Environ-ment 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, account-ing, 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 IIIThis position is responsible for developing new busi-ness and growth and profitability of a commercial portfolio consisting of large, complex commercial re-lationships. This position maintains strong sales and service culture with emphasis on sound underwriting decisions. The 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 knowl-edge and abilities. Potential applicants can access a full job description by going to www.newpeoples-bank.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 communica-tion 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.

1404-13 CITY PRESIDENTFarmers & Merchants Bank has an immediate opening for a city president (market manager) in the North Madison County/Three Way market. The bank seeks de-cision–makers who can manage the credit process from application to approval and closing. Ideal candidate should have 5 plus years’ experience in banking, pref-erably in a sales role with a regional bank, and possess well–developed analytical and personnel management skills. Respected community bank with full product line requires team leader. Position involves lending while growing deposits and client base. Lead a capable staff in providing loan, deposit, marketing, and general bank services to individuals, families, businesses, and community organizations. Excellent opportunity for 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 P O Box 308, Trezevant, TN 39258.

1404-12 CREDIT ANALYSTCurrently seeking a Credit Analyst for Commerce Union Bank. Must have a minimum of 5 years’ analytical experience with a strong knowledge of collateral docu-mentation, 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 [email protected].

1404-7 SMALL BUSINESS/COMMERCIAL LENDERLocally 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 CONSULTANTCohutta 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

1403-13 COMMERCIAL LOAN OFFICER, GOODLETTSVILLEFirst 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-the-job 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 CLERKTri-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; rec-onciling 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 experi-ence 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].

1403-11 COMMERCIAL LOAN OFFICERFirst Peoples Bank, a locally owned community bank, is seeking a commercial loan officer for their West Knoxville market. Duties include developing and maintaining all types of business. Officer will be required to call on potential and existing customers. Applicants must be able to facilitate, structure, and close all types of loans. Motivated and sales–driven applicants with a minimum of 3 to 5 years of com-mercial banking experience please apply to [email protected]. EOE.

1403-9 STAFF AUDIT ASSOCIATECrowell & Crowell, PLLC, a growing CPA firm in Franklin, TN, is currently seeking qualified candi-dates 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! ■


Actions of Bank Regulatory Agencies

TENNESSEE DEPARTMENT OF FINANCIAL INSTITUTIONSFirst National Bank of Pikeville, Pikeville, TN, converted from a national bank to a state–chartered commercial bank under new name of First Farmers and Commercial

Bank, Pikeville, TN (effective 6/1/14).

Jefferson Federal Bank, Morris-town, TN, application to merge with and into HomeTrust Bank, Asheville, NC. HomeTrust Bank

will operate the offices of Jefferson Federal Bank as branches of HomeTrust Bank (ef-fective 5/31/14).

TriSummit Bank, Kingsport, TN, acquisi-tion by TriSummit Bancorp, Inc, Kingsport, TN—a new bank holding company (ap-proved 4/24/14; effective 5/30/14).

Financial Federal Bank, Memphis, TN, ap-plication to relocate main office from 6305 Humphreys Boulevard, Suite 100 to 1715 Aaron Brenner Drive, Suite 100, both loca-tions in Memphis, TN (approved 11/6/13; effective 5/22/14).

SmartBank, Pigeon Forge, TN, application for new branch at 201 North Palafox Street, Pensacola, FL (received 5/27/13; approved 6/13/13; opened effective 9/3/13).

SmartBank, Pigeon Forge, TN, application to close branch at 4300 Bayou Boulevard, Suite 31A, Pensacola, FL (received 5/27/13; effective 8/30/13).

OFFICE OF THE COMPTROLLER OF THE CURRENCYFirst Citizens National Bank, Dyersburg, TN, application to relocate branch from 100 Washington, Avenue, Union City, TN 38261 to 215 West Lee Street, Union City, TN 38261 (received 5/20/14; approved 6/17/14).

Bank of America, NA, Charlotte, NC, ap-plication to close Lebanon Public Square Branch, 120 West Main Street, Lebanon, TN 37087 (received 2/28/14; effective 6/13/14).The First National Bank of Pikeville, Pikeville, TN, application to convert from national to state-chartered bank with new name First Farmers and Commercial Bank, Pikeville, TN (effective 6/1/14).

First National Bank, Lenoir City, TN, application for new Vonore Office, 2041 Highway 411, Vonore, TN 37885 (received 1/23/14; approved 3/10/14; opened effec-tive 5/29/14). ■

In Nashville, contact Wynne E. Baker - 615-782-4230Gina Pruitt - 615-782-4207

In Columbia, contactBeverly Horner - 931-388-3711

www.kraftcpas.com/banking.htm

• External & internal audit

• SOX documentation & testing

• Compliance reviews

• Loan reviews & grading systems

• Employee benefit plan audits

• Merger/acquisition assistance

• Valuation services

• Tax planning & compliance

• Information systems assurance & consulting

• FFIEC audits

• Risk assessment

• External penetration testing

• Internal penetration testing

• Forensic accounting

• Enterprise risk management

• Social engineering

When it comes to the banking industry,KraftCPAs has the bases covered.


Professional Development CalendarJuly 15 Branch Management Series – Session 2 of 4 TBA Gilliam Board Room, Nashville July 18 IT/Operations Officer Forums – Session 2 of 3 TBA Gilliam Board Room, NashvilleJuly 20-25, Concurrent Sessions The Southeastern School of BankingSM I & II Belmont University, NashvilleJuly 22, 23, 24 NEW Fair Lending Compliance Knoxville, Nashville, JacksonJuly 24 2013-2014 Senior Human Resources Forums – Session 3 of 3 TBA Gilliam Board Room, NashvilleJuly 31 NEW Train the Trainer TBA Barrett Training Center, NashvilleAugust 4, 5, 6, 7, 8, 11, 12 Membership Meetings Cookeville, Chattanooga, Kingsport, Knoxville, Nashville, Jackson, MemphisAugust 12 2013-2014 Senior Compliance Officer Forums – Session 4 of 4 TBA Barrett Training Center, NashvilleAugust 13 & 14, 15 Internal Audit Programs TBA Barrett Training Center, NashvilleAugust 19 NEW Risk Management: Enhancing Our Banking Model TBA Barrett Training Center, NashvilleAugust 26 & 27 Training the Credit Analyst TBA Barrett Training Center, Nashville

August 28 & 29 Basic Consumer Lending TBA Barrett Training Center, NashvilleSeptember 4 IRS Reporting TBA Barrett Training Center, NashvilleSeptember 8, 9, 10, 11 BSA/AML Compliance Management Kingsport, Knoxville, Jackson, NashvilleSeptember 15 & 16, 17 & 18, 24 & 25 Compliance with Federal Lending Regulations Knoxville, Nashville, Jackson September 16, 17, 18 CEO Forums – Session 3 of 3 TBA Gilliam Board Room, NashvilleSeptember 23 & 24 The Southeastern Institute for IRA Training Franklin Marriott Cool Springs, FranklinSeptember 24, 25, 26 2014-2015 Senior Lender Forums – Session 1 of 3 TBA Barrett Training Center, NashvilleSeptember 28 - October 1 NEW CEO/Executive Management Conference Laguna Niguel, CaliforniaSeptember 30 Branch Management Series – Session 3 of 4 TBA Gilliam Board Room, NashvilleOctober 1 & 2 Compliance Conference Nashville Airport Marriott, NashvilleOctober 16 & 17 Trust & Wealth Management Conference TBA Barrett Training Center, NashvilleOctober 20, 21, 22, 23 - Evening EVENING New Accounts in Tennessee Jackson, Nashville, Kingsport, KnoxvilleOctober 22, 23, 24 CFO/Controller Forums – Session 3 of 3 TBA Gilliam Board Room, Nashville

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.

October 28, 29 Personal and Business Financial Statement & Tax Return Analysis Knoxville, NashvilleOctober 30 Workshop for Loan Assistants and Loan Processors NashvilleOctober 30 & 31 Independent Bankers Division Convention DoubleTree by Hilton, NashvilleOctober 31 NEW Commercial Real Estate Construction Lending TBA Barrett Training Center, NashvilleNovember 5 Branch Management Series – Session 4 of 4 TBA Gilliam Board Room, NashvilleNovember 6 2014-2015 Senior Human Resources Forums – Session 1 of 3 TBA Gilliam Board Room, NashvilleNovember 6 & 7 Bank Security and Risk Management Conference Nashville Airport Marriott, NashvilleNovember 13 2014-2015 Senior Compliance Officer Forums – Session 1 of 4 TBA Barrett Training Center, NashvilleNovember 14 IT/Operations Officer Forums – Session 3 of 3 TBA Gilliam Board Room, NashvilleNovember 17, 18, 19, 20 NEW Integrated Disclosures and Revised Finance Change Rules Jackson, Nashville, Knoxville, KingsportNovember 19 & 20 Bank Directors Retreat Hermitage Hotel, NashvilleDecember 2 NEW Credit Risk Management Role in Enterprise Risk Management MemphisDecember 2, 3, 4 IRA Update and Review Knoxville, Nashville, Jackson


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