THE TENNESSEE BANKER Volume 103 • Number 2 • March/April 2015

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FTB_B2B_0235_B2B_Correspondent_Services_Print_Production_07515_8.5x11_4c_Grass.indd 1 3/4/15 2:21 PM Tennessee Bankers Association

in Banking Exc ders ellen Lea ce

To date, Leaders in Banking Excellence has recognized 76 past and present leaders in the banking industry. Now Accepting Nominations April 29, 2015, is the deadline for nominations for the next induction ceremony.

For more information, contact: • Colin Barrett - [email protected] Tennessee Bankers Association • 211 Athens Way, Ste 100 • Nashville, TN 37228-1381 800/964-5525 or 615/244-4871 • www.TNBankers.org THE TENNESSEE BANKER

Published bimonthly by the Tennessee Bankers Association OFFICERS Colin Barrett / Editor William B. Marsh / Chairman First Commerce Bank, Lewisburg Dianne W. Martin / Managing Editor David Verble / Chairman-elect Matt Radford / Graphic Designer Citizens National Bank, Sevierville Volume CIII / Number 2 / March/April 2015 Gordon Majors /Vice Chairman The Hardin County Bank, Savannah

STAFF Contents Administration THIS MONTH Colin Barrett / President Stacey Langford / Senior Vice President Special 125th Anniversary Magazine – Send Us Your Story...... 7 of Membership TBA Washington Conference...... 9 Steve Curtis / Vice President of Q&A with US Representative Stephen Fincher...... 10 Information Technology Service Is Not Someone Else’s Job—William B. Courtney...... 16 Sharon Justice-McCray / Vice President of Human Resources & Facilities Time to Order 2015/2016 Bankers Directory...... 26 Penny L. Powlas / Executive Assistant, Strategic Technology Conference Is April 9 & 10...... 29 Administration / Legal Retail Sales and Bank Marketing Conference—Photo Review...... 33 T’Lanie Luu / Member Services The Southeastern School of Commercial Lending—Discounted Tuition Available Specialist Sandra Johnson / Training Center through April 15...... 34 Coordinator Leadership Convention—Training the Next Generation of Leaders...... 36 Lacy York / Receptionist Legislative Reception in Photos...... 41 Accounting / Insurance Credit Conference—Photo Recap...... 44 Angela D. Griffin, CPA / Executive Welcome New Associate Members...... 48 Vice President / CFO Mike Ailinger / Staff Accountant Shemeka Greer / Accounts Receivable DEPARTMENTS Clerk FROM THE EXECUTIVE OFFICE—Colin Barrett Felisha Gatlin / Accounts Payable Clerk Be Better than You Were Yesterday...... 6 Legal / Government Relations ON THE HILL—Tim Amos Timothy L. Amos / Executive Vice Window of Opportunity...... 8 President / General Counsel MEMBER FEATURE—Smart Financial/Cornerstone Merger Began Amy Smith / Senior Vice President / through Friendship, Common Visions...... 13 Deputy Counsel ROUNDTABLE DISCUSSION—Credit Committee Education Commercial Loan Demand...... 18 Debbie M. Brickles / Senior Vice President GUEST COLUMN—David H. Lillard, Jr of Training and Development Changing the Financial Culture of Tennessee...... 20 Susan R. Taylor, CMP / Senior Vice ICBA WASHINGTON WATCH—Brian Cooney and Aaron Stetter President of Professional Development While Congress Starts Fast, ICBA Launches Its Regulatory Monique Jenkins / Education Services Specialist Relief Platform...... 22 WASHINGTON UPDATE—Governor Frank Keating Communications Targeting Data Breaches...... 25 Dianne W. Martin / Vice President / Director of Communications TBA ENDORSED PARTNER—EverFi – Steve Rice Matt Radford / Assistant Director Building Loyalty with Millenials through Financial Education...... 27 of Communications Bank Notes / Promotions...... 50 Lila Griffin / Proofreader Employment Opportunities...... 57 The Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers TBA Professional Development Calendar...... 59 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 THE TENNESSEE BANKER members; $55.00 for nonmembers; single copies, $6. Tennessee residents add 9.25% Volume 103 • Number 2 • March/April 2015 On the Cover sales tax. Periodical postage paid at Nashville, Tennessee. POSTMASTER: send address Young Bankers Division Leadership Convention will be changes to The Tennessee Banker, 211 Athens Way, Ste 100, Nashville, TN 37228-1381. held in Memphis, April 26-28. Story page 36. Copyright © 2015, Tennessee Bankers Association; all rights reserved. The Tennessee Bankers Association disclaims all Photos courtesy of Tennessee Department responsibility for opinion expressed in addresses, papers, or communications published in The Tennessee Banker unless such of Tourist Development opinion has been endorsed by the Tennessee Bankers Association. Cover designed by Matt Radford, TBA MARCH/APRIL 2015 | THE TENNESSEE BANKER 5 From the Executive Office “Be Better than You Were Yesterday” By Colin Barrett, President, Tennessee Bankers Association

f you were able to be a part of our record ICredit Conference at- tendance last month, you heard an inspirational PPCheck out the article on page 20 by our State message from former Uni- Treasurer David Lillard. Treasurer Lillard has been versity of Tennessee foot- a great partner of the Tennessee banking industry ball player Inky Johnson. since his election by the state legislature in 2009. Inky, the first member of He is committed to preparing the next generation his family to go to college, of Tennesseans through financial literacy and the suffered a debilitating in- TNStars 529 college savings plan. jury during his junior year P Make sure your bank has sent in a brief history to be that left him paralyzed in P included in the upcoming 125th Anniversary edition his right arm and ended of The Tennessee Banker. For more information, his dream of playing in contact Dy Martin at [email protected] the NFL. Inky’s story is not one PPIdentify a rising leader from your bank to attend the of heartbreak, however. upcoming Leadership Convention at The Peabody Instead it is a story about Hotel in Memphis, April 26-28. The TBA Young God’s plan and living Bankers board has been working to build a content– your life to the fullest. packed program to train the next generation of While there were many takeaways our members banking leaders. For more information, contact from Inky’s message, the one that has was extremely Stacey Langford at [email protected]. stuck with me is to “be better than helpful as we you were yesterday.” It’s a simple put together the message, but it is one that determines plan, and I want to thank each of you identified our strengths as having an success. And I see that mantra at work who took a few minutes to fill out the outstanding staff, providing a unified every day with our team at the TBA TBA membership survey. voice for the industry, and offering and Financial PSI. Among the survey results: valuable education programs. Areas Embracing that challenge was also • 96% of Tennessee bankers thought for improvement included promoting top-of-mind when our department the association was either “effective” the banking industry in Tennessee, heads met recently for our annual or “very effective” in representing Ten- exerting more pressure on federal strategic planning retreat. Building on nessee banks’ interests in Nashville and regulators, and seeking deeper en- last year’s strategic plan, and looking Washington gagement from our membership. As at the results of the TBA membership • 83% said that their membership ROI for what the priorities should be in survey, we laid out our priorities for was “excellent” or “very good” the coming year, many of you listed the upcoming year. With Financial PSI • 62% listed “increased regulatory regulatory burden—both advocacy continuing to perform well, education burden” as what keeps them up at night and education—and addressing com- participation at an all-time high, and • 54% said they looked to the asso- petition from credit unions and the the most experienced staff in the in- ciation most for education, followed Farm Credit System. dustry, we have all the tools in place by government relations at 36%, and With these results, your TBA staff to address the challenges and oppor- products and services at 10% went to work to identify ways to build tunities facing the Tennessee banking The results complimented the asso- on our strengths, address these oppor- industry in the year ahead. ciation’s efforts while highlighting op- tunities, and strengthen the Tennessee The feedback we received from portunities for improvement. Members banking industry.

6 THE TENNESSEE BANKER | MARCH/APRIL 2015 The result was the 2015 strategic among our smallest members efficiently. Importantly, every member plan that was approved by the TBA • Creating a bank leadership forum of our team will have a copy of the board last month. Among the plan’s to train the next generation of C-level strategic plan on their desk, and we highlights are: bankers will review our progress at monthly • Increasing our Washington pres- • Deepening our relationships at each staff meetings. ence by taking additional bankers member bank If you are interested in seeing the and staff to Washington, including an • Enhancing tools to address compli- full strategic plan, please let me know, additional DC meeting in the fall ance burden and I will be glad to share it with you. • Maintaining BankPac success • Creating a cyber–fraud communica- I would love to hear any feedback or through engaging at least 55% of tion system insights you might have. After all, this our members and raising more than • Re-energizing our financial literacy is a member-driven plan. $200,000 efforts and Personal Economics Pro- In the words of Inky Johnson, the • Launching our credit union aware- gram (PEP) participation TBA team is working to be better ness campaign using the recently This is just a sampling of what our every day. I hope you will join us in completed study commissioned by the focus will be between now and the end that effort and support our team as we Independent Bankers Division of the year. We also will be looking to continue to make Tennessee the stron- • Engaging additional banker leader- strengthen our internal communica- gest banking state in the country. ■ ship and input on education and other tions and operations and make sure committees our team continues to have the tools • Developing a small bank working and knowledge they need to serve the group to assist and build synergy industry and our member effectively and

THE TENNESSEE BANKER

Your bank is the Tennessee Bankers Association, and we look forward to telling your story. To commemorate the 125th anniversary of ADVERTISE IN THE 125TH MAGAZINE the Tennessee Bankers Association, we are We invite you to advertise in this special publishing a special edition of The Tennessee issue which will be on display in banking Banker magazine to be released in June, and offices across the state. It will be mailed to we want to highlight every bank in Tennessee. the full subscription list including all TBA member banks, more than 200 associates SEND US YOUR “STORY” members, and Tennessee’s elected officials at the federal level. Attendants of the 125th • 150–350 words Annual Meeting will also receive a copy. • 1–3 bank photos/logo April 1 • Due by March 25 • Ad contract/insertion deadline— • Ad Materials deadline April 10 To submit stories or for advertising information, please contact Dianne Martin at [email protected]

MARCH/APRIL 2015 | THE TENNESSEE BANKER 7 On The Hill Window of Opportunity By Tim Amos, Executive Vice President/General Counsel, Tennessee Bankers Association

here is a new game in Washing- House and then moved to a Senate that their core mission. Another priority ton after the 114th Congress hopefully is more receptive. However, is to reign in the farm credit system’s Tconvened on January 6, 2015, we must remember that the President expansion into nonfarm lending. The and with it there is a limited window is still the President, and one of his sig- recent announcement of the first FCS of opportunity. The Republican take- nature pieces of legislation, the Dodd oversight hearing in 10 years is but over of the US Senate by a narrow Frank Act, is not going to be amended a start. 55-45 majority gives hope that some easily, casually, or lightly. The power 3. Cybersecurity and Data of the more than 300 bills passed in of the Presidential veto, or threat of a Breaches the House last session by bipartisan Presidential veto, is still a significant Banks employ high standards of votes could see the light of day in deterrent. cybersecurity to protect their custom- the Senate. Previously, Democratic Community banks in Tennessee ers, while other parties that experience Senate Majority Leader Harry Reid and around the country are struggling breaches of customer data impose refused to bring any of the House- under an excessive load of regulatory enormous cost on banks and their passed legislation to the Senate floor burden and desperately need some customers. The balance of responsibil- for a vote. Now, there’s new leader- relief from either Congress or the regu- ity must shift. Banks and the federal ship in the US Senate. Among those lators. While legislation ultimately may government also must continue to previously rejected multitude of bills not pass, its movement through Con- build on their strong public/private are several that are important regula- gress and congressional oversight has a partnership, sharing resources to tory relief measures for bankers, and beneficial and often mitigating impact combat the ever present international they may now get the consideration on actions of the regulatory agencies. threat of cyberterrorism. they deserve. However, this year’s TBA’s recent membership survey 4. Capital Standards congressional debates will be driven highlighted the major concerns that Reforming some of the restrictive by the presidential election political will be the focus of the association’s capital and liquidity requirements of calendar. Washington efforts and our message BASEL III, including adjustments to It seems almost unimaginable to to both congress and the national trade the risk–weighing systems that will be talking about the 2016 elections associations. have a severe impact on commercial when the 2015 elections are only a 1. Reducing Regulatory Burden lending, is a priority. few months in the past. But political Excessive regulation and overzealous 5. Regulatory Fairness reality is that primaries for the 2016 enforcement can be disincentives to Recent dramatic expansions in presidential race will begin early next providing customers the products and regulation have placed overwhelm- year, and the debate in Congress that services they are asking for, limiting ing burdens on many banks, greatly will shape that race will take center bank flexibility and the ability to tailor impeding their ability to serve their stage sometime shortly after Labor products to meet customer needs. TBA communities. We need a long-term Day, 2015. Thus, there is this brief priorities include reforming the CF- vision for regulation that tailors rules time between now and when the PB’s mortgage rules, which are overly to suit the industry’s diverse business political debate shifts creating a proscriptive and relief for rural banks models and risk profiles. Any new window of opportunity to talk about from the escrow and balloon loan re- model for regulation must provide and to advocate for some banking– quirements. substantial regulatory reductions related legislation this year. 2. Nonbank Competition and without impeding the flexibility to TBA, along with our Washington Competitive Advantage serve evolving customer needs. In partners at the ABA and ICBA, is TBA’s recent credit union study short, regulators need to right–size working toward identifying a few shows the rapid growth generated by the regulations and exam process. doable proposals for introduction the unequal tax treatment that credit At the national level, the ABA and for an aggressive push which will unions enjoy. The effort is to refocus is focused on several priority issues require grassroots support of all our credit unions on their core mission and is lodging a lobbying campaign, Tennessee banks. These issues are while pursuing equal tax and regulatory “How Congress Can Help Hometown likely to be considered initially in the treatment for those that do not hold to Banks.” Similarly, the ICBA is focus-

8 THE TENNESSEE BANKER | MARCH/APRIL 2015 ing on its “Plan for Prosperity.” Giv- Conclusion Now is the time to participate in en the huge number of issues facing The congressional window of oppor- many of the Washington meetings the banking industry, the plans of the tunity will be brief. A concerted effort offered by the national trade associa- TBA, ABA, and ICBA are selective in by all bankers is required to advocate tions and the TBA this year. It is no attempting to identify those key issues strongly and move any legislation longer just a simple letter or phone which ultimately may be successful, through Congress. The banking industry call that will move Congress. It is but only with your help. The legisla- cannot afford to wait another two years your active presence in the nation’s tive reforms do not vary in their intent until after another Presidential election Capitol and your persistence in ad- to provide meaningful relief, only in to “see what happens” in Washington vocating to strengthen the industry. ■ their priority. or for another opportunity.

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MARCH/APRIL 2015 | THE TENNESSEE BANKER 9 & US Representative Q A Stephen Fincher, R-8th District

tephen Fincher, 41, is a manag- ing partner in Fincher Farms, Sa seventh–generation, West Tennessee–based agribusiness. He has been in agribusiness his entire life. Born in Memphis, Fincher lives in the Frog Jump community of Crockett County. Inspired by a desire to serve his fellow citizens and get America back on track, Fincher ran for Tennessee’s eighth congressional seat in 2009 and joined the House of Representatives in 2010. Now in his second term, Fincher sits on the House Committee on Financial Services and the House Committee on Agriculture. US Representative Stephen Fincher addressed TBA members at the 2014 Wash- What will the top three priorities be ington Conference. for the House Financial Services Com- I would also like to see the director of mittee during the new congressional Protection Bureau now that Republicans the CFPB replaced with a commission. session? control both the House and the Senate? The House Financial Services Do you expect the banking legislation that A five-person commission structure Committee is currently working on passed the House during the previous ses- would automatically provide the outlining their agenda for 2015 and sion to get through the Senate this year? necessary checks and balances that the 114th Congress. I would look Do you think the President will sign it? the agency desperately needs when to see something more concrete by With Republicans in control of both making decisions about how to over- mid– to late–February, but I antic- chambers of Congress, we have been see and regulate consumer financial ipate a lot of focus on changes and given a valuable opportunity to address products. In addition to some of the tweaks to Dodd-Frank provisions, some of the missteps and unintended broader problems with the CFPB’s namely, things like what constitutes a consequences contained in the Dodd- structure, there are a number of rules “qualified mortgage,” and the process Frank Act. We are talking about an issued by the bureau that I believe are through which the FSOC assigns SIFI 800-page piece of legislation that runs worthy of a second look. designations. I think the committee the full gamut from consumer protec- I have a bill this Congress that and Chairman Hensarling will be tion to heightened prudential regulation would modify the CFPB’s definition of interested to take another serious of banking activity all the way to SEC a “high-cost mortgage” with respect look at housing finance reform and disclosure requirements of conflict to manufactured home loans to en- what makes sense moving forward minerals, so there are certainly a variety sure that these loans are not unfairly for the taxpayers and the housing of issues that need to be looked at and swept under the high-cost designation market. And we also should continue many that my colleagues on both sides simply due to the relatively low dollar on the path of promoting job creation of the aisle should be able to get behind. amount of the purchase price. I can by addressing capital formation and The CFPB is a great place to start. only assume that it would be an unin- SEC requirements of many compa- There is no reason why such a govern- tended consequence of the CFPB’s rule nies looking to access the market, ment entity should not be subject to the to jeopardize American families’ ac- grow their business, and thus create normal appropriations process, and I cess to an affordable housing option. much-needed jobs for Americans. hope to see that as something that is With respect to President Obama’s discussed seriously this Congress. Cur- regular veto threats, I am hopeful What kind of changes, if any, should rently, the bureau possesses sweeping that he ultimately would allow the Tennessee bankers expect in Dodd- authority to act with very little over- legislative process to proceed and not Frank and the Consumer Financial sight, and I believe that should change. unilaterally block initiatives that have

10 THE TENNESSEE BANKER | MARCH/APRIL 2015 received enough support from both Congress, we saw two somewhat chambers to make it to his desk. But different proposals introduced in the while I am hopeful, I am not necessar- House and Senate, neither of which ily optimistic on that front. ultimately gained enough traction to A growing issue within the banking advance in either chamber. There are and retail industries relates to the some important things to consider as payments industry and data breach- we look at the path forward. Limiting es. Is this an area that Congress will taxpayer risk, preserving access to the address this year, and what expec- secondary market, and ensuring that tations should the banking industry homeownership remains a realistic have on this front? achievement for as many American Coming off the heels of the major families as possible are all points that data breaches that affected so many I expect to be hotly debated by both consumers last year while also ap- sides as we come to a solution. proaching the October deadline for What would be on your legislative the transition to chip and pin or EMV wish list for 2015—both banking and technology, I expect that improving nonbanking related? the security of our payments system In addition to my bill that pre- and preventing future breaches will serves access to manufactured hous- command a great deal of focus this cosponsored last Congress, and I expect ing that I am hopeful will be signed Congress. The Financial Institutions to see revisited this year. into law this year, I have also in- and Consumer Credit subcommittee Banks in your district and across the troduced legislation to reform and held a data security hearing in March state continue to face challenges relat- reauthorize the Export-Import Bank of last year, and I would look for a ing to the economy, regulations, and of the United States. The bank is in follow-up hearing to be scheduled government-subsidized competition need of important reforms, but it fairly early this Congress and possi- from credit unions and the Farm Cred- is crucial that we continue to have ble legislation to be considered by the it System. What is the best way for a seat at the table when competing full committee. We need to examine Tennessee banks to make their voices for these foreign investments and, ways to strengthen our network but heard on these issues? thus, expanding opportunities for job also consider some common sense I think it is important to continue to creation at home. The bank’s charter practices for what happens after a have a dialogue with Representatives expires on June 30 of this year, and I breach occurs, looking at things like and Senators and make sure we are all would like to see reforms considered notification laws and how the finan- fully apprised of the different views and before that time. cial burdens are divided. perspectives on these issues and what The pending presidential campaigns Many community banks continue to effects they have on each organization’s are already having some effect on struggle with the new qualified mort- business model and ability to provide policy positions in Congress. How do gage rules that make it much more dif- financial services to consumers. As you see that playing out on both sides ficult to lend money. You cosponsored a member of Congress, I appreciate of the aisle? legislation (HR 2673) that addressed hearing from businesses in my district I am interested to see how Eliza- this situation. Do you see this legisla- and the state of Tennessee, so that I can beth Warren positions herself as we tion getting passed into law this year? have a clear picture of the priorities get closer to the presidential prima- The interest and momentum in and initiatives on which I may be able ries. She has been such an outspoken addressing the qualified mortgage rule to be helpful. voice on scrutinizing banks and Wall has not subsided, and I certainly ex- Reform of Fannie Mae and Freddie Mac Street that I am wondering if any of pect action to be taken relatively early continues to be an unresolved issue. her outward positions are enhanced this Congress. The Portfolio Lending What is your general view on efforts to or curtailed if she decides to put her and Mortgage Access Act, which I reform the systems and what the role name in the hat. It may be equally cosponsored last Congress, should be of government should be in the housing interesting to see if there is a reaction re-introduced in the coming months. market? Do you think a reform measure from Hillary Clinton. It’s hard to Importantly, the bill would treat any might pass this year? believe that we are already finding residential mortgage that is held in Housing finance reform has certainly ourselves on the precipice of another portfolio as a qualified mortgage. A been an issue of critical importance to presidential election, but I look for- very similar provision was included in many, including the chairman of the ward to a change in leadership in the the CLEAR Relief Act, which I also Financial Services Committee. Last White House. ■

MARCH/APRIL 2015 | THE TENNESSEE BANKER 11 IS YOUR BANK LOSING DEALS BECAUSE YOU AREN’T USING REAL ESTATE EVALUATIONS?

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615.369.7730 www.evolvevcs.com ext 7732 for Eric Collinsworth or 7730 for Jason Bennett Member Feature SmartFinancial/Cornerstone Merger Began through Friendship, Common Visions

ornerstone Community Bank merger of equals and not a sale-and-ac- Chairman Miller Welborn went quisition deal. Both were looking for Cto the University of Alabama, avenues to grow, and neither was became a successful venture capitalist looking to be an acquisition target. and trucking industry chief executive, “There was no interest on either side and is a self-professed “builder, not an to sell,” Welborn said. “There was not operator.” a single director at either bank who SmartBank President and CEO would have voted to sell their bank.” Billy Carroll went to the University of The merger process began as many Tennessee. He grew up in the banking Carroll Welborn relationships do, through a growing world and learned the business from the friendship and conversation. Or, as ground up. Literally. His first job was and Carroll will serve as president and Carroll put it, “It was a slow date.” mowing the grass at Citizens National CEO. Bill Carroll, Sr, a former chairman Bank in Sevierville, where his dad, Bill of the Tennessee Bankers Association, A Good Time to Talk Carroll, Sr, was chairman and CEO. will be vice chairman and play an im- Welborn and Carroll were intro- “Billy’s an operator,” Welborn said. portant role in business development. duced by mutual acquaintances, and Despite the Bama–UT thing, Wel- Frank Hughes, the former president of soon became golfing buddies and good born and Carroll are not a house Cornerstone, will move to the merged friends, but they also became a two-man divided, as some married couples’ car holding company, where he will head up peer group over the course of a couple tags proclaim. Indeed, they seem like its institutional investor relations. Barry of years, swapping ideas and sharing a perfect match, and that’s the way Watson, a longtime Chattanooga banker, their visions on how to run a company. they see the pending merger of their was recently named president of Corner- “We knew we had to move toward respective banks’ holding companies. stone Community Bank and has been that $1 billion mark to get to scale,” A bit further down the road, the two tapped to lead that market. SmartFinan- Carroll said. “We were looking at a lot banks themselves will merge. cial will be headquartered in Knoxville. of different strategies, and so one day In December, SmartFinancial, Inc, Initially, the two banks will remain I called Miller and said, ‘Let’s look at the parent company of Pigeon Forge- independent under the holding company, putting these things together.’ And he based SmartBank, and Cornerstone maintaining their respective charters, said it would be a good time to talk Bancshares, Inc, which holds Corner- names, and boards of directors. “This about it. So we started talking.” stone Community Bank of Chatta- will allow us time to sync up our op- Welborn says that, in the process nooga, announced a definitive agree- erations, look at how the combined of benchmarking each other, it became ment to merge, creating a combined departments will function, and just get apparent that neither bank had any company that will operate under the everything in order,” Billy Carroll said. interest in selling out. “They were SmartFinancial name. The deal, which After that process, probably by mid-year looking to grow, and Cornerstone had was unanimously approved by the 2016, the banking operations will be turned itself around and was looking two companies’ boards of directors, merged, and the Cornerstone offices in for avenues to grow as well,” Welborn is pending final regulatory and share- Chattanooga will be rebranded under said. “Our conversations were about holder approvals and is expected to the SmartBank name. culture and people and goals and close soon. Following an open house reception in visions, about what we wanted to be When the merger is complete, late January at Cornerstone’s downtown ‘when we grow up.’ ‘What would it SmartFinancial’s total assets will be Chattanooga office, which was held to in- look like if we threw all our stock into just south of $1 billion, with about troduce Carroll to some of Cornerstone’s one hat?’ And that’s literally what we $790 million in deposits, $650 million key customers and stakeholders, the two are doing. There is no cash out. No in loans, 12 branch locations in East bankers sat down with The Tennessee one is getting any money. It’s just all Tennessee and the Florida Panhandle Banker to talk about the merger, how it the stock in one hat and a commitment area, and loan production offices in evolved and came to be, and where they to best practices and growth strategies. Dalton, GA, and Panama City, FL. see the post-merger bank heading. “When we got serious,” Welborn Welborn will become chairman of The key takeaway, according to Wel- continued, “it became evident that the combined holding company board, born and Carroll, is that this is a true continued on next page

MARCH/APRIL 2015 | THE TENNESSEE BANKER 13 Member Feature

SmartFinancial/ Cornerstone Merger continued our visions matched up. That’s why we were so comfortable sitting down and talking. I was really impressed by Billy’s commitment to technology. He really believes that old tune that you don’t have to bank tomorrow the way you banked yesterday. And that is very important.” Welborn’s emphasis on riding change into the future reflects his ex- perience in the venture capital business. For example, at Chattanooga-based In January, Cornerstone Community Bank held a get acquainted open house Lamp Post Group, a VC firm where to introduce SmartBank President and CEO Billy Carroll (right) to Cornerstone customers and employees. Cornerstone Chairman Miller Welborn is on the left. Welborn is a partner, most of his other partners are younger and emphasize with his dad. “He asked me to step in “We decided not just to work our models embracing new approaches and get them automated. In 1992, there local geography but to look for mar- to business. “The problem with most was one computer in the bank and a lot kets in other areas that made sense. industries is that they are antiquated. of dumb terminals. So I spent the first That’s how we got into Florida. Des- They are resistant to change,” he said. couple of years upgrading the operations tin is one of the best tourism markets With Carroll at the operating helm system and data processing in-house. around. With our experience just in of the merged banks, Welborn has We were the first bank in the state to do the Smoky Mountains, we understand a fellow true believer in taking new check imaging, in 1994. It was fun.” tourism. We understand hotels and approaches in a traditional industry. Carroll worked his way into the the second-home market. So we saw finance side of the operations and then that as an opportunity, and we were Creating Something a Little Different became CFO and later a member of the fortunate to win a bid to get a bank After graduating from Tennessee, board. “It was a great bank, but I was down there in an FDIC sale. It’s a little Carroll was hired by KraftCPAs in starting to get a little more of the entre- interesting that our first acquisition Nashville (formerly Kraft Bros, Es- preneurial bug. When my dad retired was 10 hours away.” stman, Patton & Harrell), where he in 2005 at age 65, I decided to take the did tax and audit work. Interestingly, opportunity to go try something new. I Keeping Him Close one of his first jobs was to audit First spent a few months thinking about it, Welborn, who grew up in Tuscalo- Farmers and Merchants Bank in Co- and over the course of that time a lot of osa, developed his own entrepreneurial lumbia, TN. key business leaders in town who were bug after graduating from the Universi- “Talk about being green, I was friends convinced me to start a new bank ty of Alabama with a political science green. And one of the first things I that would be a bit different.” and government degree. He started a have to do is audit Waymon Hickman’s Starting SmartBank with that idea al- trucking company and a waste removal bank. And I knew Waymon was a lowed Carroll to feed his entrepreneurial company, which he and a partner later legend in banking circles through my bug while also drawing on his banking sold to publicly traded companies, in dad. At any rate, I have to go ask Mr experience. addition to a real estate management Hickman the standard audit questions. “Sure, we take deposits and make business. Welborn stayed on as CEO I’m asking him things like whether he loans, but we have really tried to come of one of the companies, Boyd Brothers has concerns about getting sued or up with a different model,” Carroll said. Transportation, and got his first taste embezzlement, and I’m so nervous. “One of our directors is Ted Miller, who of the banking business when he was My little pad was shaking. But he was manages Dolly Parton Productions—one invited to join the board of directors of so nice to me.” of the world’s most recognizable brands. Birmingham-based SouthTrust Bank. After a couple of years as a CPA in He said, ‘Yes, let’s create a great bank. “I think the only reason they had Nashville, Carroll had the opportunity But let’s also create a great brand.’ And me as a board member was I owed to “move back East” to go to work at we took that to heart. In fact, Ted is the them more money than I could ever Citizens National Bank in Sevierville inspiration behind our name, SmartBank. pay back, and they wanted to keep me

14 THE TENNESSEE BANKER | MARCH/APRIL 2015 close,” Welborn said with a laugh. “I quisitions than mergers. things,” Carroll said. “But the cultures really became intrigued with banking.” “There is going to be more pressure on have to sync. If they don’t, it’s not go- His experience grew when he ac- some banks to get to scale,” Carroll said. ing to work.” cepted a nomination to sit on the “Now, there are a lot of smaller commu- The major consideration from the Federal Reserve Board of Atlanta’s Bir- nity banks out there that are doing fine, business side of a deal, they are both mingham branch office. “That experi- doing a great job of serving their markets, quick to point out, is what’s best for ence was a hands-on MBA for me,” but others are going to have to make deci- the shareholder. said Welborn, who served two terms. sions about which way they go.” “This isn’t about anything except “I learned a tremendous amount about So what’s the most important thing growing shareholder value,” Carroll banking, and it was a great networking for banks to think about when pon- said. “This combination moves us experience. I had the opportunity to dering a merger? “Well, you can make toward our goals and really solidifies be in a small dinner group with Alan balance-sheet projections say a lot of the future of both banks.” ■ Greenspan when he was running the Fed.” Carroll is also getting that ex- perience, serving in his second term as a director on the board of the Federal Reserve’s Nashville Branch. Welborn later moved his family to Chattanooga, where his mother had grown up, and he began consulting with transportation companies. There, he was a founding partner of the Lamp Post Group, a venture capital and business incubator, at which he con- tinues to split his time with his duties as Cornerstone chairman. The community bank approached Welborn to join the board after learn- ing of his previous corporate and bank board experiences, he says. Six years ago, the bank underwent some man- agement changes, and the directors asked Welborn to become chairman of the board.

“Cultures Have to Sync” It’s hard for Welborn and Carroll to hide their excitement about Smart- Bank’s future. Their growth plans for the bank are wide open at present. They will look at opportunities to grow in Tennessee but are also look- ing for good matches in other areas, including Alabama and Georgia, and they are hopeful about expanding their Florida Panhandle presence. They are committed to taking new approaches, especially in the area of technology, and like other banks, they will be focusing on the best ways to attract and provide services to Mil- lennials. Both Welborn and Carroll expect M&A activity in Tennessee to increase in the coming months, with more ac-

MARCH/APRIL 2015 | THE TENNESSEE BANKER 15 Service Is Not Someone Else’s Job Serving and inspiring others is a responsibility, not a choice. Excerpt from Against the Grain William B. Courtney, CEO, Classic American Hardwoods, 2015 TBA Annual Meeting Speaker

etting out of your comfort But they are missing the point entire- seriously, talked back to teachers, zone is a major step and ly. The work is not about them. I’m not and didn’t do their homework. That Gshould never be taken for minimizing the value of the important was disconcerting enough. Then, granted. Some of us need years, per- deeds they perform; every helping hand once away from school, they hung haps decades, to summon the courage, is needed, now more than ever. At the out at the same street corners in their if we summon it at all. Still, getting same time, those who make the most neighborhoods to engage in the same out is only one step; it’s what you do lasting impact in society, or within their destructive—and in quite a few cases, after you get out, in terms of service, own families, are those who understand illegal—behavior they had practiced that matters most. what it truly means to serve another for years. The virtues of character, That’s because service is an ongo- human being. commitment, and discipline, which ing responsibility, and not a charitable I learned this lesson the hard way we spent hour after hour going over, act that we might do on occasion, in during my first year at Manassas in apparently didn’t mean a thing to our community, family, and work- 2004. I was missing the point as well— them off the field. I had never been place. by a mile. so frustrated. In our community, we have a duty Our record in the region was 3–3, Desperate, I finally approached a to strengthen the weakest among us which was very impressive for a pro- player whom I’ll call John, a senior to build a better society. In our fam- gram that had won only seven of its on the team and one of its leaders. ily, we must share our wisdom and previous ninety-nine games. For years, I’d felt closer to John than any other gifts to help those we love to grow in fact, because the school couldn’t af- player, ever since the day in the locker stronger and wiser. In our jobs, serv- ford $15,000 per season for insurance, room when a doorknob fell out of his ing the coworker in the next cubicle equipment, and security—high-school backpack. can determine the difference between football is not cheap—the team hit the “Dude,” I asked him, “what is a profitability and losses. road to take on one formidable non-re- doorknob doing in your backpack?” We’re presented daily with op- gion opponent after another. The final “Coach,” he calmly explained, “I portunities to serve in all aspects of scores weren’t pretty, but Manassas was carry it around so that no one can our lives, and each time we seize that given a few thousand dollars per game, take my stuff.” opportunity the world is better off. In enough to keep the program afloat. Believe it or not, he meant that no many cases, incidentally, the server is The price, however, was steep. Get- one in his family would be able to take more rewarded than the individuals ting crushed over and over gets inside a things out of his room. Resorting to he or she serves. Too many people, player’s head at any level of the game. such a measure was an awfully sad however, see this exploration into No wonder the guys lacked confidence commentary on his home life, yet he uncharted territory as a way to glorify when I came aboard. could see the humor in the situation, themselves in front of their family, But now they believed in themselves, too. We laughed about it on many friends, and community. and in me. To a man, everyone was very occasions. “I’m working at the soup kitchen respectful toward me in practice, in the On this occasion, though, I was downtown.” locker room, and on Friday nights. The quite serious. “I’m teaching English to a group culture at Manassas, at least where “John, we’re winning games and of immigrants.” football was concerned, was vastly wearing nice uniforms and riding on “I’m volunteering at an orphan- different from the day Jim Tipton first nice buses,” I said, “but what do I age.” volunteered and encouraged me to help. have to do to convince half the guys The message they hope to get Yet there was a problem, and it was on the team to listen to me, and not across is unmistakable: I’m doing a a familiar one. only about football?” lot of good for society. Aren’t I won- Roughly half of the nineteen play- He paused for a few seconds. derful? ers I coached still did not take school “Coach, just keep doing what

16 THE TENNESSEE BANKER | MARCH/APRIL 2015 you’re doing,” he said. I couldn’t believe how dismissive he was. John was never like that, at least not with me. “Keep doing what I’m doing?” I asked. “What are you talking about? What I’m doing is clearly not getting through to them.” “For real, Coach,” he continued. “Don’t change a thing. It will eventu- ally click.” Now I was really getting ticked off. I always want to hear the truth, especially from my players, wherever it might lead me. “Coach, I don’t want to hurt your feelings,” John said. “You’re not going to hurt my feel- ings. I need to know what’s going on.” “I don’t want you to get frustrated and leave.” William B. Courtney will speak at TBA’s Annual Meeting in June. “I’m not going to leave. Talk to me!” After a long pause he said, “Coach, they’re trying to figure whether or not About the Author you’re a turkey person.” William B. “Bill” Courtney In 2003, Courtney began vol- Now it was my turn to pause. is one of the speakers for TBA’s unteering at Memphis’ inner city “What in God’s name is a turkey Annual Meeting in June. A native Manassas High School in an effort person?” I finally said. Memphian, he is the founder of to turn its underperforming football “Every Thanksgiving and Christ- Classic American Hardwoods, Inc, team around. In 2003, the team had mas, folks who look just like you roll which employs 120 people with a 19 players with a dismal 4-95, 10-year into our neighborhoods driving their 45–acre manufacturing facility and record. In the 2008 & 2009 seasons, expensive cars. They drop off turkeys domestic sales offices in Memphis, the team’s record improved to 18-2, and other gifts, and we take them TN, and international sales offices with 75 players. The story was so because we don’t have any. Then they in Shanghai, China, and Ho Chi compelling that a Hollywood film— leave, and we never see these people Minh City, Vietnam. In 2007, Clas- Undefeated—was produced about it. again. So we wonder, are they giving sic American Hardwoods, Inc, won It won the 2012 Academy Award for us the stuff because they care about the Memphis Business Journal’s Best Feature Length Documentary. us, or are they doing it because they Small Business of the Year Award This article is an excerpt from his want to tell everyone back home what based on its growth and commit- first book, Against the Grain, released wonderful things they do for us poor ment to community service. in May of 2014. ■ black folks down here?” ■

The Greenbrier, White Sulphur Springs, WV Tennessee Bankers Association June 7–9, 2015 ANNUAL MEETING

Look for complete 125th Annual Meeting coverage in the May/June issue of the Tennessee Banker Magazine, or visit http://bit.do/2015AnnualMeeting.

MARCH/APRIL 2015 | THE TENNESSEE BANKER 17 Roundtable Discussion

he Tennessee Banker presents this issue’s “Roundtable Discussion,” designed to give the banker’s point of view on trending issues affecting our industry. TFor this installment, members of the TBA Credit Committee were asked: “How would you rate current commercial loan demand or activity in your market, compared with the last few years? What would you say is the largest driver—or impediment—to the current state of demand?”

Tina Cline First Vice President/Senior Compliance and CRA Officer First Century Bank, Tazewell

We are seeing a definite increase in commercial loan re- quests. Construction loans have increased significantly, which is an overall indicator of an improving economy. We believe the increase in loan activity can be attributed to lower rates. In the current market, competition is high. Prepayment pen- alties in potential customers’ existing contracts are the biggest challenge when refinancing. Competitive pricing and structure are key components to facing these challenges and meeting demand. In today’s market, banks need to be able to make a loan while bridging the gap between risk management and risk tolerance. ■

Larry Estepp Executive Vice President Citizens Bank, Kingsport

In Northeast Tennessee, loan demand fell considerably after the 2007 downturn in the economy. Our local economy usually trails that of the state, a little slower in a downturn and slower to recover. During the fourth quarter of 2013, we started seeing some new development and expansion begin, and that continues to improve. However, it is still off pre-re- cession levels of demand. The overall economy has been the largest impediment of the market’s slow growth in loan demand. Many companies continue to sit on cash, or they are building up cash waiting on the economy to show solid signs of recovery. In our market we are beginning to see some banks expand their territories seeking loan growth—not only their territories but also the types of loans they are seeking. As Richard Par- son’s mentioned, “Niche banks typically have a higher ROE.” We all have our own niches, so now we need to explore how to revisit and renew our expertise in order to find new loan growth during 2015. ■

18 THE TENNESSEE BANKER | MARCH/APRIL 2015 Emily B. Gray Senior Vice President/Senior Credit Officer The Hardin County Bank, Savannah

The large commercial loans in our area are few and far be- tween because many of the major industries have already closed or moved. We’ve basically turned into a retirement community. Most of our local commercial loans revolve around small fam- ily–owned businesses that support the service industry. We do have customers that are focused on growth, and we’ve been able to help them, so we look forward to more opportunities there. ■

John C. McDearman, III Executive Vice President Wilson Bank & Trust, Lebanon

I think over the last three years, it’s been pretty consistent. I think we’re already seeing good activity in the first part of this year. One of the biggest challenges I see is competition and that everybody’s going after those same loans, so that makes it competitive. Also, maybe a little bit of hindrance is on the commercial side and knowing the right thing to do that the growth will continue to move in that area so in this interest rate environment is key to our organization. that project, although it makes sense on paper, is going Some of the larger banks are able to offer a longer-term fixed to be something that’s viable going forward. We must rate than community banks. Finally, in looking at commer- remember our past and not make those same mistakes cial projects specifically, just knowing or having confidence over again. ■

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MARCH/APRIL 2015 | THE TENNESSEE BANKER 19 Guest Column Changing the Financial Culture of Tennessee David H. Lillard, Jr, Treasurer, State of Tennessee

s leaders in finance and gov- ernment, we understand the Aneed for economic success for Tennessee families. Tennessee has led the nation in bankruptcy filings several years in a row. Too many Tennesseans are mired in a culture of borrowing and bankruptcy. These bad financial decisions are holding Tennessee fam- ilies back from achieving a higher per capita income and a significantly improved quality of life. In order to push Tennessee for- ward, we must change the financial culture of our state. This is among our most urgent imperatives for state government. To meet this need, the mission of the Tennessee Treasury Department is to build programs to empower Tennesseans to make better financial choices. In 2010, we established the Ten- Lillard and students at FinLit event in Smyrna, TN. nessee Financial Literacy Commis- sion under the Tennessee Treasury Commission adopted “Financial Fitness We believe that reaching students Department with a single mission: for Life®,” a nationally recognized cur- early is a major key to changing the Equip Tennesseans to make sound riculum that is not an add-on for already financial future. financial decisions when it comes to overburdened teachers, but is a flexible We were further encouraged when planning, saving, and investing. It curriculum that can be incorporated early assessments showed students might seem like a simple goal, but we into regular classroom instruction. To instructed in the Financial Fitness for want Tennesseans to understand their get this curriculum into the classrooms Life® curriculum demonstrated over money. Instead of leading the nation we offer free training to kindergarten a 350 percent increase of financial in bankruptcies, we want Tennessee to through eighth grade teachers through literacy knowledge. This is a solid lead the country in the area of finan- a series of Saturday morning semi- step forward. cial literacy. Specifically, we want to nars held across the state. We also lead the country in college savings per offer instruction on a district-wide level TNStars™ capita, retirement savings per capita, through special in-service training. The The second step in our plan for and have the lowest debt per citizen. training is free to the teachers, as is the changing the financial culture in Ten- curriculum, consisting of workbooks nessee was to introduce TNStars™, Financial Fitness for Life® and on-line guides, a $65 value per Tennessee’s own 529 College Savings This may seem an unattainable teacher. account. A program of the Tennessee goal, but we have a plan. We started To date, more than 2,000 Tennessee Treasury Department, TNStars™ by introducing financial training at teachers have completed instruction and gives parents an effective tool for an early age, getting that education taken the curriculum back to their class- planning and saving for their child’s into elementary and middle school rooms. In 2014, the Tennessee Financial post-secondary education. classrooms. Literacy Commission invested over We no longer live in a world where The Tennessee Financial Literacy $130,000 statewide in teacher training. a high school diploma can fully pre-

20 THE TENNESSEE BANKER | MARCH/APRIL 2015 two plan in the country according to K-12 teacher new hires after June SavingForCollege.org, which in No- 30, 2014, this plan is a combination vember released the top 10 direct-sold of defined benefit and deferred com- 529 plans in the nation based on one- pensation. The new plan has been year performance rankings. recognized as an aggressive, innova- The Treasury Department’s Invest- tive reform that substantially reduces ments Division personnel play a major costs to the state but also provides role in managing TNStars™ investments a sustainable benefit for state and and overseeing which funds are offered higher education employees, K-12 to families as investment options. In public school teachers, and employees light of recent discussions about what of electing local government entities. types of families receive benefits from With this shift in the state retire- Lieutenant Governor Ron Ramsey, participating in 529 plans, it is particu- ment plan also comes a responsibil- Speaker Beth Harwell, and Treasurer larly exciting to us that a recent online ity to promote retirement readiness David Lillard present Carol Yochem survey shows that 52 percent of new education. Representatives from the of First Tennessee Bank, NA, with the TNStars™ accounts opened in the last Treasury Department and our con- 2014 Tennessee Financial Literacy four months are held by middle-class tractors will counsel employees on Commission Outstanding Corporate or lower-income families. We are proud the importance of early saving for Partner Award. to provide a product that can help all retirement and provide continuing pare a student to enter the workplace. Tennesseans work toward the goal of analysis of the amount set aside each More jobs, including manufacturing post-secondary education. month for retirement. By starting jobs, require a 21st Century work- The survey also showed that during with better retirement education for force skill set to comply with the the same period, one in five new ac- state employees, higher education requirements of employers. Research counts were opened at the advice of a employees, and K-12 teachers, we shows that children with college sav- financial advisor. We are grateful that can promote a culture of retirement ings accounts are six to seven times financial professionals have recognized readiness for all Tennesseans. more likely to attend a four-year TNStars™ as a viable savings option These are the first steps we in college compared to children with no for families, and we are developing an Treasury have taken to equip Tennes- dedicated account. online tool and materials specifically for see families to make sound financial A TNStars™ savings account financial advisors that will assist finan- decisions and the tools we have put empowers families to plan for their cial advisors with ease in managing their in place to help them plan, save, and child’s future. Funds invested in a clients’ TNStars™ accounts. Those invest. The Tennessee Financial Liter- TNStars™ account can be used at tools will be released later this year. acy Commission is well on its way to any post-secondary institution that Though we are making great strides training every elementary and middle accepts federal financial aid. That in the area of youth financial literacy edu- school teacher in our state. There is includes four-year public or private cation and college savings, there is much more to be done. The work of the universities, vocational or profession- work to be done, and we in Treasury are commission will not stop until we see al schools, or programs to obtain a continuing to press forward to achieve Tennessee lead the country in college technical license in or outside the state the goal of leading the nation in college savings per capita, retirement savings of Tennessee. savings per capita, retirement savings per per capita, and have the lowest debt TNStars™ is designed to give capita, and lowest debt per citizen. per citizen. But, to achieve the ulti- Tennessee families high quality in- The next step to changing the finan- mate goal of substantially raising the vestment options at a low cost to cial culture in Tennessee is to promote per capita income of Tennesseans, we help them put aside money for higher retirement readiness. Planning, saving, ask that you partner with us in this education expenses, while enjoying and investing are lifelong skills, and for effort. Contact us today to discuss the certain tax advantages and special Tennesseans to make the best financial many ways you can participate in this incentives. Money can be withdrawn decisions, we need to educate them life changing effort. ■ from a TNStars™ account tax-free as about the importance of saving for long as it is used for qualified higher retirement earlier in their adults lives. David H. Lillard, Jr, has served as education expenses. Many of you know that in 2013, Tennessee State Treasurer since 2009. Tennessee’s 529 college savings the Treasury Department proposed and He currently serves as the president plan has seen monumental success in the General Assembly enacted reforms of the National Association of State a short period of time. In the three to the state retirement plan, creating a Treasurers. Lillard encourages you years since it was introduced, TN- hybrid pension plan with cost controls. to call him with any question or con- Stars™ has been ranked the number Effective for state, higher education and cerns at 615-741-2956.

MARCH/APRIL 2015 | THE TENNESSEE BANKER 21 ICBA Washington Watch While Congress Starts Fast, ICBA Launches Its Regulatory Relief Platform By Brian Cooney, ICBA Senior Vice President, Legislative Counsel and Aaron Stetter, ICBA Senior Vice President, Congressional Relations and Advocacy

he 114th Congress is off to a sprinting start evidenced by it ICBA’s Plan for Prosperity Tadvancing important bipartisan An outline of the regulatory relief Improve access to capital community banking measures inspired provisions in ICBA’s Plan for Pros- • Further modernize the Federal and advocated by ICBA. perity legislative platform for the new Reserve’s capital guidelines to make Just a few days into the new Con- Congress is below. Read a more in- it easier for community banks to raise gress this year, lawmakers passed and depth summary online at www.icba. capital and issue debt. President Obama signed into law org/PFP2015. • Reverse the punitive Basel III cap- historic, ICBA–advocated legislation ital treatment of mortgage servicing that mandates that at least one of the Institute targeted regulatory relief rights. seven Federal Reserve Board gover- • Allow well-capitalized community • Change SEC rules to exempt nors has prior real-world experience banks to file an abbreviated call report community banks with assets of less as a community banker or community twice a year. than $1 billion from internal control bank supervisor. The law, which will • Apply the Volcker Rule only to the attestation requirements. benefit Main Street for generations largest and most systemically risky • Allow thrift holding companies to to come, helps ensure that commu- banks. use the new shareholder registration nity banking’s perspective will be • Exempt community banks from and deregistration thresholds under heard when the central bank’s highest new HMDA reporting requirements. the JOBS Act. officials deliberate and determine • Restore the original intent of Basel • Expand Regulation D qualifica- far-reaching monetary and regulatory III to apply only to large, interna- tions to allow “accredited investors” policy decisions. tionally active banks through specific to purchase stock under private offer- The House of Representatives measures to exempt community banks ings. advanced ICBA-backed legislation, or ease regulatory burdens. • Provide greater flexibility for Sub- HR 37, to prevent the Volcker rule • Provide “qualified mortgage” safe chapter S banks to raise capital. from interfering with community harbor status for community bank • Broaden use of five-year-loss car- banks’ capital. The bill also fixes an loans originated and held in portfolio, ry-back tax provision. oversight in the recent JOBS Act by including balloon mortgages. allowing savings and loan holding • Exempt community banks from Institute regulatory system improvements companies to be treated similarly to escrow requirements for mortgages • Bar “disparate impact” causes of banks and bank holding companies held in portfolio. action relating to fair lending. for registering or terminating registra- • Exempt community banks from ap- • Enhance CFPB accountability tion with the Securities and Exchange praisal requirements for certain loans safeguards, including changes to its Commission. of $250,000 or less held in portfolio. governance structure. These welcome actions by Con- • Increase the “small servicer” ex- • Create a position of assistant secre- gress follow the passage of ICBA-ad- emption threshold to 20,000 loans (up tary for community banks within the vocated legislation the President from 5,000). Treasury Department. signed into law late last year granting • Eliminate annual customer pri- • Allow the OCC to charter mutual many community banks greater flexi- vacy notices for banks that have not national banks to promote greater, bility in managing their capital under changed their policies. more flexible charter options. the Federal Reserve’s Small Bank • Free community banks from new • Require bank agencies to provide Holding Company Policy Statement. small-business data collection obliga- a cost-benefit analysis to new regula- These recent actions by Congress tions. tions. represent a hopeful new beginning • Exempt community banks from • Create an independent body to for community banking’s bipartisan stress-test requirements. confidentially investigate and resolve legislative agenda this year on Cap- • Establish a two-year exam cycle for material complaints relating to bank itol Hill, particularly ICBA’s highest well-rated community banks. exams. ■

22 THE TENNESSEE BANKER | MARCH/APRIL 2015 priority of enacting targeted, mean- ingful regulatory relief for the nation’s community banks.

Plan for Prosperity Last month, ICBA released its Plan for Prosperity regulatory relief platform for the 114th Congress. The Plan for Prosperity is a set of com- mon-sense legislative priorities that, if enacted, would promote lending Visit www.icba.org for more information and stimulate local economies and job growth by relieving community banks from costly and counterproductive regulation. The Plan for Prosperity is a de- tailed but flexible platform of pro- posals that can be advanced as bipar- tisan legislation in the new Congress. Closely mirroring the regulatory relief agenda that ICBA advocated for in the last Congress, this legislative A Tennessee CPA Firm for Tennessee Banks platform includes various measures specifically dedicated to strengthening community banks and giving them the opportunity to flourish for the benefit of their Main Street customers and communities. The platform promotes a system of tiered regulation that will maintain appropriate oversight over the largest and riskiest financial institutions, while offering needed We are committed to providing the highest level of accounting and consulting relief to the thousands of low-risk services to the banking industry. �ur clients bene�t from value added advice, community banks, enabling them to industry expertise and quality client service. We view every client relationship devote more resources to serving their as a partnership and truly believe our success is a result of our clients’ success. communities. ICBA designed the legislative plat- > External and Internal Audits > Loan Reviews form as a flexible, living document > Information Technology Reviews > ACH Compliance Audits that can be adapted to a rapidly > Regulatory Compliance Reviews > Stress Testing changing regulatory and legislative environment to maximize its influ- > FHLB Agreed Upon Procedures > Tax and Business Accounting ence and likelihood of enactment. > BSA Reviews Following up on successes in the last Congress, ICBA has begun working Crowell & Crowell, PLLC Members closely with various lawmakers on Capitol Hill from both political par- ties to enact these needed reforms as quickly as possible. ■

Brian Cooney (brian.cooney@icba. org) is an ICBA senior vice president, June A. Crowell, Kerry Garner, Glenda Sloan, Chris Loyd, CPA, CGMA CPA AAP CPA, CGMA legislative counsel. Aaron Stetter (aar- [email protected]) is ICBA’s senior vice president, congressional relations 400 Sugartree Lane, Ste. 600 | Franklin, TN 37064 and advocacy. (615)790-0542 | www.crowellandcrowell.com

MARCH/APRIL 2015 | THE TENNESSEE BANKER 23 Their Financial Future Starts with You Did you know that a child with a college savings account is seven times more likely to attend college than one without? Teach Children to Save is an ideal opportunity to start children in your community on the path to sound money management and a productive adulthood.

Join with bankers across the nation to help shape the future of young people in your community. Your participation will inspire them to reach for their dreams— and enhance your bank’s image.

To learn more and to register, visit aba.com/Teach.

TEACH CHILDREN TO SAVE DAY Friday, April 24, 2015 #TCTS2015 Washington Update Targeting Data Breaches By Frank Keating, President and CEO, American Bankers Association

f 2014 was the year of the data We are using these survey results to do. He also noted that all those who breach, then 2015 may well be the help us make the case for change. participate in the payments system Iyear that Congress puts a national Doug Johnson, ABA’s top expert on need to share equally in the cost of standard in place for data security and cyber and data security, laid out argu- protecting consumers—with financial breach notification. That is our goal ments when he testified for banks at a responsibility resting on those who and our plan, but it will take bankers Senate subcommittee hearing in Febru- incur the breach. to make it happen. ary. The day he testified, Anthem Inc, Retailers are resisting this kind Data breaches have become a ma- the second-largest health insurer in the of change, unsurprisingly. Instead jor security challenge for all—bank- nation, announced it had just been the of legislation that would hold them ers, retailers, health care companies, victim of a major data breach. Hackers more accountable, they are trying and the government included. As gained access to personal information to sell Congress on a chip-and-pin Troels Oerting, head of the European on 80 million customers—including mandate. Never mind that security Cybercrime Centre put it, “A burglar names, addresses, and Social Security experts—including those who par- can only burgle one house at a time, numbers. ticipated in a recent White House but a cyber-criminal can rob 100 With the Anthem breach as a back- summit on cybersecurity—now agree million computers while he is sleeping drop, Johnson told senators that a that tokenization is the direction all from a distance.” national standard for protecting data must head. Massive breaches of sensitive data and notifying customers of breaches Our task as an industry is to at Target, Home Depot, and other was urgently needed to replace the cur- persuade Congress of the right ap- retailers may not have been executed rent patchwork of competing state laws proach. High-profile data breaches in the middle of the night, but the and regulations. He urged lawmakers have captured lawmakers’ attention results were the same—they put mil- to build on the framework already in and interest. Now, as they approach lions of consumers at risk and cost place in the financial services industry legislating the issue, we must ensure banks hundreds of millions of dollars to see that all parties with access to the they cast informed votes. You can to reissue cards and make consumers payments system maintain the same help do this by sharing your story whole after the attacks. high data security standards that banks with your lawmakers. ■ In fact, an ABA survey last year found that more than eight percent of debit cards and nearly four percent of credit cards were implicated in the Target breach, and banks reissued nearly every card so implicated. That represents tens of millions of cards re- issued in response to a single breach. Our survey also found that com- munity banks experienced dispro- portionately higher costs in reissuing cards. Banks with less than $1 billion in assets spent just over $11 per debit card and $12.75 per credit card, in- cluding mailing, card production, and staff time, while the largest banks— those with over $50 billion—spent under $3 per card. These costs, which will be repeated with each breach, are deeply troubling for all banks, but especially for community banks.

MARCH/APRIL 2015 | THE TENNESSEE BANKER 25 Order Form – 2015/2016 Order online at www.TNBankers.org Bankers Directory Order Deadline – May 15, 2015 The Bankers Directory, published by the Tennessee Bankers Association, contains a listing of all Tennessee commercial banks, thrifts, and savings banks along with their officers, directors, mailing addresses, telephone numbers, and highlights of their “Statement of Condition.” PLUS in this publication you find names, addresses, and telephone numbers of: • Officers and staff of the Tennessee Bankers Association • Regulatory agencies for financial institutions • Major banking associations • Tennessee’s congressional delegation • State officials • Members of the General Assembly • Tennessee court clerks and court houses • TBA associate members and endorsed products—including contact person and product descriptions

Cost: TBA Members / Associate Members – $49.75 per copy Save 15% if you order plus tax/shipping/handling 5 or more directories Nonmembers – $99.50 per copy plus tax/shipping/handling Tennessee residents pay 9.25% sales tax Shipping/handling $3.50 for first copy & $1.50 for each additional copy Directories ______Shipping/handling ______• Please send me ______copies of the 2015/2016 edition Subtotal ______Tax ______

Please make check payable to TOTAL ______Method of Payment: Tennessee Bankers Association

VISA MasterCard Check Ck#______Bill Me (TBA Members Only)

Card # ______Exp Date ______

Name as appears on card (please print) ______

Card billing address ______

City ______State ______Zip ______

Signature ______

Shipping Address: Return completed form & payment to: Tennessee Bankers Association Name ______Attn: T’Lanie Luu Company ______211 Athens Way, Ste 100 Address ______Nashville, TN 37228-1381 Phone: 615/244-4871 or 800/964-5525 City ______State ______Zip ______Fax: 615/324-1992 E-mail [email protected] Phone ______Order Deadline May 15, 2015 Endorsed Partner Building Loyalty with Millennials Through Financial Education By Steve Rice, Executive Vice President, Adult Financial Education, EverFi

ith a new year upon us, mobile tools, and education on relevant SSEE BAN NE K N ER E S most banks are evaluating products that will help them stay on a T Endorsed Partner their marketing plans and budget and manage student debt. In TBA W approved asking, “What are we going to do fact, two thirds of respondents said that differently in 2015?” A key priority they would actually like more commu- for many banks is to find new ways nication from their bank if the informa- to strengthen their relationship with tion provided is relevant, beneficial, and About the Author Millennial consumers. But effectively not overly commercial. Steve Rice, execu- engaging this savvy, independent, and In order to reach Millennials ef- tive vice president, often skeptical generation can feel like fectively and provide this financial adult financial a daunting task, especially when the guidance, mobile engagement is key. education, came media often paints a negative picture According to the Federal Reserve, more to EverFi with a of Millennials’ mistrust of banks. than 70 percent of Millennials have used passion to build At EverFi, we’ve helped millions mobile banking services within the last great software as well as a genetic of young people build their financial 12 months, compared to only 40 percent destiny to do something in educa- know-how, and we believe there is a for the remaining adult population. At tion. Rice leads the EverFi Adult tremendous opportunity for banks EverFi, we see this data play out every Learners product, combining his to use digital education to connect day. The vast majority of traffic to our experience and enthusiasm to find with the “mobile-first” generation of adult education platform comes from a new and effective ways to have consumers. Our research shows that smartphone or tablet. busy adults leverage the advantages offering financial education is a highly Secondly, Millennials have short of online education. effective way to engage Millennials, attention spans and want on-demand For more information about earn their trust, and increase their access to information when it fits their partnering with EverFi, contact wallet-share. But in order to connect schedule, which may be outside of Ryan Swift, [email protected] or effectively with this demographic, normal banking hours. Peak traffic to visit EverFi.com. ■ banks must first understand and adapt EverFi’s financial education platform is to Millennials’ style and embrace their between 4:00 pm and 8:00 pm, and 20 educational offerings are five times preferred methods of communication. percent of traffic between 10:00 pm and more likely to make a purchase than In November 2014, we surveyed 1:00 am. Banks must focus on providing consumers reached by more tradition- hundreds of Millennials on their re- short, fun, and engaging content that al advertising campaigns. lationship with their primary bank, can be accessed anytime, anywhere. Millennials expect innovation in and the majority of respondents Lastly, incentives are a highly ef- banking to come from outside the in- used words like “transactional” and fective means to get young people to dustry, either from high-tech startups “boring” to describe this relationship. engage with your educational offerings. or well-established names like Google, When asked to rate the relationship Our partners have seen huge spikes in Amazon, or Apple. But at EverFi, on a one–to–five scale, the majority user activity by offering scholarships, we’re helping community banks be of respondents felt completely “neu- contests, one-time fee forgiveness, a the source of that innovation. Hun- tral.” In a world in which many banks $25 savings account credit, or other dreds of leading banks are using our are competing on the same features incentives. technology to build private-labeled and brand is a critical differentiator, A key takeaway here is that young financial education campaigns that “neutral” is simply not enough. So people want help when it comes to man- empower consumers and build their what can banks do to strengthen their aging their finances, but it has to be con- trust and loyalty. ■ brand with Millennials and become a venient, relevant, and mobile-friendly. trusted source of financial guidance? This presents an incredible opportunity Our survey revealed that Millen- for financial institutions to become that To see how banks are using EverFi nials want help when it comes to source of trustworthy guidance for the technology to build customer loyalty, managing their finances, specifically, next generation of customers. In fact, view this video: everfi.com/loyalty- training on how to avoid fees, better consumers that engage with a company’s matters.

MARCH/APRIL 2015 | THE TENNESSEE BANKER 27 Is your EFT provider putting the squeeze on you? There’s a better way... call SHAZAM Every time your EFT provider cranks up its fees, it’s like another clamp-down to your bottom line. But SHAZAM turns it the other way — more than $10 million in price reductions and complimentary new products to our partners over the past two years!

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(855) 314-1212 • shazam.net Add it up! April 9 & 10 STRATEGIC TECHNOLOGY CONFERENCE APRIL 9 & 10, 2015 EMBASSY SUITES HOTEL/CONFERENCE CENTER MURFREESBORO, TN

he 2015 Strategic Technology cost of card tokenization be covered by The faceless nature of cybercrime Conference is scheduled for the fraud savings? What’s the difference and global interconnectivity allow TApril 9 and 10 at the Embassy between multi-channel, cross-channel, transnational organized criminal en- Suites Hotel/Conference Center in and omni-channel digital banking? terprises, foreign intelligence services, Murfreesboro. Wetherington will provide the answers and hacktivist groups to target US This program content targets to these questions and more. businesses. When some of the largest CEOs, senior operations officers, se- • Malware, Mules, & Money: The organizations in the United States fall nior department heads, IT directors, Mobile Edition – Steve Stasiukonis, victim to data breaches, it should be a and anyone responsible for making president, Secure Network Technol- wakeup call to all organizations that technology decisions for the bank. ogies, Inc. Financial crimes using the the highest priority needs to be secur- The Strategic Technology Confer- internet have increased dramatically ing their information infrastructure ence is a once-a-year opportunity to in recent months. The use of crime- from cyber criminals. Augenbaum, get the most up-to-date technology ware applications like Zeus, Phoenix, through the Nashville Chapter of information in one convenient pro- Spy-Eye, and Citadel have wreaked InfraGard, has formed a chief infor- gram. The agenda includes general havoc against banking institutions and mation security officer advisory group sessions plus an afternoon of breakout their customers. Stasiukonis, one of to share intelligence and collaborate workshops divided into two tracks— the foremost security consultants from with subject matter experts to combat executive and technical. Secure Network, will explain how these the emerging threat of cybercrime. There will also be a sold-out ex- applications in combination with social • Examiner’s Roundtable – Cyber- hibit hall with representatives from engineering and hacking techniques are security, Third-Party Management, 28 companies that provide technol- leveraged against you and your bank. Incident Response, and Other Key ogy-related products and services for The presentation will cover actual cases Topics – Moderators: Gina Pruitt, the financial institutions industry. that involved these applications and member-in-charge, information sys- Continental breakfast, lunch, breaks, explain in detail how the crimes were tems assurance & consulting ser- and a reception will all be held in the committed. vices, Kraft CPAs PLLC, and Cy exhibit hall on the first day of the • Emerging Cyber Threats Targeting Sturdivant, managing consultant, conference to give participants ample Financial Institutions: Why Would BKD, LLP. Panelists: Tony DaSilva, time to visit with all of the exhibitors. Trans National Criminal Enterprises supervision and regulation senior Want to Target My Bank? – Scott Au- technical expert, Federal Reserve General Sessions genbaum, special agent, Federal Bureau Bank of Atlanta; Linda Finck, IT General session topics and speak- of Investigation. Is information technol- examiner and IT subject matter ex- ers include: ogy a strategic asset to an organization pert, Dallas Region, Federal Deposit • Rocky Top This! The 2015 Fin- or is it a liability? Are organizations Insurance Corporation; Robert W. Tech-Mobi-Pay Report – Lee Wether- taking the necessary precautions to keep Hurd, Southern District lead IT ington, AAP, directory of strategic their information infrastructure secure expert, Office of the Comptroller of insight, ProfitStars®, a division of from cyber criminals? As organizations the Currency; and Clyde McClaran, Jack Henry & Associates, Inc. Why implement new information technol- program administrator, bank training is Apple Pay a safe bet short term but ogies without fully understanding the director, Tennessee Department of Fi- worrisome long term? Why will EMV associated risks, they become suscep- nancial Institutions. Bank examiners increase card fraud in the US? Will the tible to falling victim to cybercrime. continued on next page

MARCH/APRIL 2015 | THE TENNESSEE BANKER 29 April 9 & 10

Strategic Technology Convention continued

have now completed their initial cyber- cial industry and the strategies that security assessment pilot program. This winning financial institutions will PROGRAM session will address initial observations need to rely upon to remain relevant SPEAKERS and what we can expect as we move in the next decade and beyond. Using forward. Panelists will discuss potential state-of-the-art examples from the changes to the FFIEC guidance as well industry and his work with high-tech as what to expect from your IT exam clients like Microsoft and Adobe, reviews going forward. In addition, the Hataway will demonstrate how in- panel will cover how to monitor and novation is creating real opportunity Atnip Augenbaum manage third parties and the expecta- for banks to capture consumers and tions you should have of them related grow service relationships in new and to cybersecurity and protection of your powerful ways. customer data. Finally, the session will address the role of incident response, Concurrent Workshops monitoring, business continuity plan- Thursday afternoon features two DaSilva Finck ning, data sharing, and involvement sets of concurrent workshops—two of your board in cybersecurity risk in the executive track and two in the management. technical track. Workshop topics • Moving at the Speed of Digital: and presenters are: Next Generation Banking—Jackson • Workshop 1 – Executive Track - Hataway, PhD, senior consultant, Growing the Bank with Mobile: The Strategic Arts & Sciences. Gone are Bottom Line on Risks & Rewards Fleming Hataway the days when financial institutions – Lee Wetherington, AAP, director can rely purely on brick and mortar to of strategic insight, ProfitStars®, a connect with and engage consumers— division of Jack Henry & Associ- they have to insert themselves into a ates, Inc. Mobile, mobile, mobile world that is dominated increasingly . . . according to a recent American by digital screens and constant digital Banker poll, 68 percent of bank Hurd Long connectivity. The online and offline executives report spending more on worlds are blending together in a way mobile banking this year, and 20 that is altering how consumers select percent of banks are increasing their products and services, determine ser- mobile investments by more than 50 vice quality, share their experiences, percent. What’s driving this mobile and make purchases. For banks, this surge? Join Wetherington for a can- disruption has resulted in an industry did breakdown of the costs, benefits, McClaran Payne filled with new competitors—some of risks, and rewards and learn why and whom have never before been in the how your bank peers are leveraging financial landscape. Big data, social, mobile to drive growth. and mobile aren’t just buzzwords— • Workshop 2 – Technical Track – they’re key elements of building digital Mobile Device Management; How financial institutions that are prepared Bankers Handle MDM in the Real Pruitt Stasiukonis to meet the demands of consumers with World! - Moderator – Thomas greater expectations of “free” financial Payne, PhD, dean, Tennessee Tech- services delivered in seamless, intuitive, nological University. Panelists: Joe and secure forms. Atnip, sales engineer, Concept Tech- In this enlightening and energetic nology, Inc; James Bock, IT officer, presentation, Hataway will dive deeply Community Bank & Trust; and Sturdivant Wetherington into the digital trends driving the finan- Judy Long, chief operating officer,

30 THE TENNESSEE BANKER | MARCH/APRIL 2015 April 9 & 10

First Citizens National Bank. To be responsive to internal and external 2014-2015 customers, bank managers, employ- ees, and directors have an increasing TECHNOLOGY COMMITTEE need to use their mobile devices. Chairman: Jeff Cummings, Vice President IT/Operations, The The desire for convenience and re- Hardin County Bank, Savannah, TN sponsiveness has posed a challenge Marcie Angle, Business Development, LBMC, Brentwood, TN to technology managers concerned about IT security. If you and your Dustin Atkins, FirstVice President/Chief Operating Officer, institution are caught in the middle Cummings First Peoples Bank of East Tennessee, Madisonville, TN of the “convenience versus security” Joe Atnip, Sales Engineer, Concept Technology, Inc, Nashville, TN struggle, don’t miss this interactive Denise Cobb, Executive Vice President/Chief Operations & Technology session on mobile device manage- Officer, FSG Bank, NA, Chattanooga, TN ment and see a demonstration of one Randy Dover, Vice President/Information Technology Officer, Cornerstone way banks can tackle this challenge. Community Bank, Chattanooga, TN • Workshop 3 – Executive Track – In-House or Outsourcing: Thoughts Steve DuPerrieu, Director of Product Management, Computer Services, Inc, Paducah, KY in a Connected World – Trent Flem- ing, president, Trent Fleming Con- Lee McCollum, Vice President, Commercial Bank & Trust Co, Jackson, TN sulting. Many community banks Curtis Miller, Vice President/Information Technology, Heritage Bank, moved to in-house systems beginning Hopkinsville, KY in the early 1980s. Such systems were Jodi Moore, Senior Account Executive, Federal Reserve Bank of Atlanta, simple to operate and offered highly Nashville, TN functional software relative to the Thomas Payne, PhD, Dean, Tennessee Technological University, Cookeville, TN mostly basic outsourced systems then available. Move forward 25 years . Kathy Perdue, Assistant Vice President of Information Technology, Progressive . . and highly functional software is Savings Bank, Jamestown, TN available as an outsourced option. Gina Pruitt, Member-in-Charge, Information Systems Assurance & Consulting In the interim, platform and deliv- Services, Kraft CPAs PLLC, Nashville, TN ery systems became more complex, Jason Redd, Chief Financial Officer, Southern Community Bank, Tullahoma, TN placing an increasing burden on bank Jay Rinehart, Chief Operations Officer, Citizens Bank of Lafayette, Lafayette, TN staff. Is the move to outsourcing inevitable? If so, what are the chal- Cerone F. (Cy) Sturdivant, Managing Consultant, BKD, LLP, Nashville, TN lenges of managing an outsourced Aaron Tyler, Senior Vice President/IT Manager, American Trust Bank of East environment? Participants will gain Tennessee, Knoxville, TN a clear understanding of operational, regulatory, and contractual issues, whether outsourcing core, ancillary, Hotel Information or network management functions. The Embassy Suites Hotel/Confer- THANK YOU • Social Engineering Tool Kit: ence Center is holding a block of rooms How to Defeat Bank Security Con- until March 18 on a first-come, first- TO OUR trols— Steve Stasiukonis, president, served basis at a special group rate of SPONSORS Secure Network Technologies, Inc. $141 single/double. After March 18, or Banks have seen a marked rise in when the room block sells out if that is Crowell & Crowell, PLLC social engineering, tactics that often before March 18, rooms return to stan- Franklin, TN result in unauthorized information dard prices on a space-available basis. gathering, fraudulent access, and, Please make your overnight arrange- Ellsworth Systems, LLC ultimately, security breaches. Stasi- ments early to assure you receive the Franklin, TN special TBA rates. ukonis will share insights into how National Payment Systems fraudsters can gain entry to your To reserve accommodations, call the physical premises, and, eventually, to hotel directly at 615-890-4464 and ask Greenbrier, TN your data networks. Learn what you for the Tennessee Bankers Association The Nexus Group, Inc Technology Conference block of rooms can do at the branch level to remain Nashville, TN alert to damaging attacks that can to receive the special group rate. jeopardize your institution. continued on next page

MARCH/APRIL 2015 | THE TENNESSEE BANKER 31 April 9 & 10 Strategic Technology Convention continued

Registration Information TBA is offering a special team dis- DOWNLOAD THE 2015 STRATEGIC TECHNOLOGY count of $25 per person for multiple registrations from the same institu- MOBILE EVENT APP Sponsored By: tion after the initial person. Only the Enjoy custom schedules, program maps, speaker bios, first registrant from the institution and extended information about this year’s program! pays the full fee. To be eligible for USE REDEEM CODE: STRATEGIC15 the team discount, you must register To learn more, visit: all your attendants at the same time www.guidebook.com/g/2015StrategicTechConference in advance. Registrations received in the TBA office by the close of business on March 25 qualify for early reg- 2015 STRATEGIC TECHNOLOGY istration pricing of $400 for TBA members and associate members CONFERENCE EXHIBITORS for the first registrant and $375 for each additional person from the same AaSys Group, Inc, Nashville, TN Jack Henry & Associates, Inc, institution. Nonmembers pay $800 Monett, MO Artis Network, Lafayette, TN and $775. Jackson Thornton Technologies, After March 25, all the fees in- Bankpak, Inc, Morrison, TN Nashville, TN crease by $30. All day-of-program registrants will be assessed an ad- BKD, LLP, Nashville, TN KraftCPAs PLLC, Nashville, TN ditional $50 late fee. The team discount is not available for day-of- CoNetrix, Lubbock, TX LBMC Management Services, LLC, program registrations. Brentwood, TN Concept Technology, Inc, Registration fees cover instruction Nashville, TN and instructional materials, conti- National Payment Systems, Greenbrier, TN nental breakfast and refreshment Crowell & Crowell, PLLC, breaks on both days, and lunch and Franklin, TN Ncontracts, Brentwood, TN reception on Thursday. Participation in TBA programs Elliott Data Systems, Inc, NETBankAudit, Mount Juliet, TN is limited to members, associate Memphis, TN members, and nonmembers from an Pugh CPAs, Knoxville, TN eligible membership category. Ellsworth Systems, LLC, To download a copy of the Strate- Franklin, TN Safe Systems, Inc, Alpharetta, GA gic Technology Conference brochure EVS Corporation, Memphis, TN SHAZAM Network, containing complete program, hotel, Collierville, TN and registration information, visit the Federal Reserve Bank of Atlanta, TBA website at www.TNBankers. Nashville, TN The Nexus Group, Inc, org/calendar. You may also register Nashville, TN for the conference online. Genesys Technology Group, LLC, If you have questions about this Norcross, GA TransFund, Tulsa, OK program, please contact Susan Tay- lor, CMP, via e-mail to srtaylor@ Hiscall, Inc, Dickson, TN United Data Technologies, TNBankers.org or call 615-244-4871 Doral, FL InfoSystems, Inc, Chattanooga, TN or 800-964-5525. ■ Integra Software Systems, LLC, Franklin, TN as of 2/24/15

32 THE TENNESSEE BANKER | MARCH/APRIL 2015 RETAIL $ALES AND BANK MARKETING CONFERENCE PHOTO RECAP JANUARY 13, 2015 TBA BARRETT TRAINING CENTER, NASHVILLE

TBA kicked off our 2015 education schedule by introducing a new pro- gram, the Retail Sales & Marketing Conference. The participation was great, and with the positive feedback we received on the program, we are look- Trent Fleming was the presenter for ing forward to continuing two workshops—one on social me- this conference in 2016. dia and marketing and the other on attracting and retaining profitable small business customers.

Anthony Huey delivered a general session presen- tation on communicating in a crisis and a sales track workshop on presentation skills.

Steve Nikitas discussed ways to grow your business.

Sean Payant’s two sessions were “Strategies to Win the War” and “Big Data Analytics” was the topic of Jonathan Rowe’s marketing track “Stop Selling Products and Start workshop. Selling Solutions.”

MARCH/APRIL 2015 | THE TENNESSEE BANKER 33 May 17–22 The Southeastern School of Commercial Lending Save $200 when you register by April 15

BA is now accepting applications afternoon at 1:30, ending with the final an MBA in finance from the Univer- for the 2015 session of The exam. sity of Wisconsin, Maples began his TSoutheastern School of Com- TSSCL’s intense curriculum was banking career in 1973. Starting as a mercial Lending (TSSCL). Cospon- developed in cooperation with the credit analyst, he eventually became sored by the Georgia, Louisiana, and American Bankers Association, industry president and CEO of two banks. Mississippi bankers associations, the experts throughout the country, and the Maples has served as lead instruc- school is scheduled for May 17–22 school’s board of trustees. tor for the Wisconsin Bankers Com- at the TBA Barrett Training Center Students receive a comprehensive mercial Lending School for 30 years in Nashville. Students continue to notebook containing all the materials and has taught at commercial lending be housed at the Loews Vanderbilt required for the TSSCL courses, case schools in Iowa, Nebraska, Kansas, Hotel. studies, and learning exercises which Minnesota, Indiana, Ohio, Kentucky, doubles as a handy reference when Pennsylvania, and Washington, DC. Overview and Curriculum practical issues arise back in the bank. Previously, he was an instructor Established in 1984, TSSCL is an and board member for the ABA Na- intensive, one-week resident school tional Graduate Commercial Lending that exposes bankers to the ma- School. Currently, he teaches numer- jor issues commercial lenders face. ous lending courses for the Wiscon- Through traditional classroom in- sin Chapter of RMA and provides struction and interactive case studies, bank management consulting, expert the intermediate-level curriculum is witness services, and bank lending designed to show how the economy training through his firm, River Edge and business structure affect lending Consulting, LLC. decisions. Barrickman Maples The school curriculum revolves Admission Prerequisites and around 11 different instructional Instructors Graduation Requirements modules encompassing over 45 hours John R. Barrickman, president of To facilitate the learning experi- of instruction. The modules are: New Horizons Financial Group, LLC, ence, enrollment in TSSCL is limited • The External Environment Fernandina Beach, FL, and Gary Ma- to 65 students. • Understanding the Borrower’s ples, retired banker/consultant, She- Applicants should have a mini- Business boygan Falls, WI., make up the school’s mum of one year’s experience in com- • Understanding the Borrower’s two-man faculty. mercial lending or credit administra- Competitive Position Barrickman has extensive experience tion or five years of general banking • Evaluating Management teaching and lecturing on economics, experience. In addition, students must • Assessing Borrower Financial Per- credit analysis, and commercial lending have completed either AIB or college formance in addition to over 40 years of banking courses in Accounting, Analyzing Fi- • Projecting Future Performance experience. He is the author of the ABA nancial Statements, and Economics. • Loan Structure and Support commercial loan curriculum and is an Applicants may substitute document- • Responsible Commercial Real instructor for The Southeastern School ed work experience; in-bank train- Estate Lending of Advanced Commercial Lending in ing programs; completion of TBA’s • Effective Relationship Manage- addition to TSSCL. Barrickman is an Essentials of Commercial Lending ment instructor for a number of banks and or Basics of Consumer Underwrit- • Identifying and Managing Prob- professional organizations and has ing workshops or The Southeastern lem Loans served on the faculty of all six of the School of Banking, The Southeastern • Establishing Credit Discipline graduate schools of banking around School of Consumer Credit, or similar Classes begin on Sunday after- the country. banking schools for portions of the noon, and the school concludes Friday With a BS degree in economics and prerequisites.

34 THE TENNESSEE BANKER | MARCH/APRIL 2015 May 17–22

TSSCL’s admissions committee has final approval of all applicants. Par- Board of Trustees ticipation in TBA programs is limited Chairman: Truitt Ottinger, Senior Vice to members, associate members, and President, Tennessee State Bank, Newport nonmembers from an eligible mem- Vice Chairman: Terry Eastwood, CEO, First bership category. Bank of Tennessee, Dayton Graduates qualify for 45 hours of Truitt Ottinger CPE credit in the area of specialized knowledge and application. Trustees Steven J. Hawkins, Executive Vice President, First Tennessee Bank, NA, Housing Memphis All TSSCL students are required to be housed at the Loews Vanderbilt Mitch Higdon, Executive Vice President/Senior Credit Officer, First Citizens Hotel. TBA will make all hotel reser- National Bank, Munford vations, and changes or modifications David Miesner, Executive Vice President/Chief Lending Officer, Reelfoot in reservations must also go through Bank, Union City the TBA. Edward J. Gentry, Executive VicePresident/Chief Lending Officer, Triumph TSSCL’s tuition covers double Bank, Memphis rooms, with roommates assigned by school administrators unless a prefer- William M. Forbes, Market President/Commercial Team Leader, US Bank, ence is noted on the application. NA, Knoxville Singles rooms are available for an Kirk Goehring, Chief Lending Officer/Senior Vice President, First South additional $500 fee through April Bank, Jackson 15. After April 15, that fee increases to $600 and depends upon hotel availability. 2014 Graduates Visit www.TNBankers.org/education/southeastern_schools for a link to the list of Tuition 2014 graduates. TSSCL tuition covers instruction, the comprehensive manual, housing at the Loews Vanderbilt Hotel, break- sociate members, and members of the plete curriculum, instructor, housing, fast, lunch, and refreshment breaks. other sponsoring state associations and and registration information and a Evening meals are on the student’s $1,700 for nonmembers. printable application form. You may own. It does not cover transportation After April 15, standard tuition is also register directly online. between the hotel and the TBA Barrett $1,700 for members and $1,900 for If you have questions about The Training Center. nonmembers. Southeastern School of Commercial Students can save $200 by sub- TBA cannot accept applications to Lending, or any of the other South- mitting their applications to the TBA TSSCL after May 4. eastern Schools, please contact Susan office by the end of business on April Visit the TBA website, www.TN- Taylor, CMP, via e-mail to srtaylor@ 15. Discounted tuition through April Bankers.org, to download the 2015 TNBankers.org. ■ 15 is $1,500 for TBA members, as- TSSCL brochure, which contains com-

The Southeastern School of Advanced Commercial LendingSM Loews Vanderbilt Hotel, Nashville The Southeastern School of Consumer CreditSM TBA Barrett Training Center, Nashville The Southeastern School of Commercial LendingSM It is always a great time to educate your TBA Barrett Training Center, Nashville lenders by enrolling in one or more of the The Southeastern School of Banking I & IISM TBA’s four Southeastern Schools. Belmont University, Nashville For more information please contact: Susan Taylor, CMP - [email protected]

MARCH/APRIL 2015 | THE TENNESSEE BANKER 35 April 26–28

The Peabody Memphis Memphis, T N April 26-28, 2015

oung Bankers Division Pres- Reception and Dinner MGs, Sam and Dave, Wilson Pickett, ident Emily Gray recently The first event of the Leadership Delaney & Bonnie, and many more. Yannounced the agenda and Convention is a reception and dinner at Because it is the only soul music speakers for the division’s 2015 the Stax Museum of American Soul Mu- museum in the world, it also spot- Leadership Convention, scheduled sic, located in the original home of Stax lights America’s other major soul for April 26 – 28 at The Peabody in Records in what was once the Capitol music pioneers. This event offers the Memphis. This year’s program fea- Theater. The museum pays tribute to all opportunity for building new rela- tures an expanded business session of the artists who recorded there with a tionships and connecting with fellow on Monday plus a luncheon in addi- rare and amazing collection of more than bankers. Participants must be 21 years tion to the half-day business session 2,000 interactive exhibits, films, artifacts, or older. on Tuesday, said Gray, senior vice items of memorabilia, and galleries de- Transportation to and from the president and chief credit officer for signed to keep Stax alive forever. museum is provided by Earl R. Whaley The Hardin County Bank, Savannah. Stax artists included Albert King, Rufus and Company. CRS Data is sponsoring The convention still features activities and Carla Thomas, Isaac Hayes, Johnnie the reception, and The Plateau Group, on Sunday and Monday evenings Taylor, Otis Redding, Booker T and the Inc, is sponsoring a photo booth. designed to foster networking among the bankers from across the state who attend the program. The convention sessions were de- veloped for career financial industry employees in higher–ranking staff or junior- to mid-management positions who are preparing to become the in- dustry’s next generation of banking leaders.

Sunday Activities Convention registration is from 4:00 to 5:30 on Sunday afternoon. Because badges serve as your ad- mission ticket to all convention activities, it is important to check- in and pick up your materials and badge. Badge covers are sponsored by Harland Clarke, and refreshments available during the registration period are compliments of Investors Title Insurance Company. The Stax Museum is the setting for Sunday evening’s reception and dinner.

36 THE TENNESSEE BANKER | MARCH/APRIL 2015 April 26–28

Monday Agenda my, with a specific focus on GDP, the Monday opens with breakfast consumer/employment, interest rates, Reserve Your from 8:30 to 9:00, sponsored by and the Federal Reserve. Morelock is Accommodations Early FISERV, Inc. sponsored by Crowe Horwath LLP. Young Bankers Division President • Roundtable Discussions: Tennessee Emily Gray will call the business ses- Banking Hot Topics – Moderated by sion to order at 9:00. Speakers and industry experts, participants will divide topics on the morning agenda include: into smaller roundtable groups to dis- • Chairman’s Welcome - Bill Marsh, cuss key issues and challenges that are chairman of the Tennessee Bankers top of the mind in Tennessee banking Association, and chairman and CEO circles. of First Commerce Bank, Lewisburg. Previous Leadership Conventions • Banking Today in Tennessee - have adjourned after the morning Chris Finnegan, assistant regional business session, but this year, the pro- director for the Dallas Region of the gram continues with lunch at 12:15 FDIC, will take a look at the Tennes- cosponsored by the Graduate School of see banking landscape from the eye Banking at LSU and the Correspondent of the industry’s primary regulatory Division of First Tennessee Bank, NA. agency. During the lunch break, banks and • Economic Update: Economy bankers will be honored for their excep- Accelerates, Escape Velocity Remains tional financial literacy efforts through Elusive – Jay Morelock, economist, the Personal Economics Program (PEP). FTN Financial. The global recession Honorees will include the top PEP has ushered in a period of widely di- bankers from each of the three grand The Peabody is a magnificent verging opinions on why we got here divisions of the state, the 2014-2015 Forbes Four-Star, AAA Four-Dia- and where we are going, with some Outstanding PEP Bank/Banker winner, mond historic hotel in the heart of calling for robust growth and others and the Financial Literacy Teacher of downtown Memphis. Opened in claiming secular stagnation. To shed the Year. 1869, The Peabody is a Memphis some light on these unprecedented Bo Blanken, PEP committee chair- landmark and is on the National times, Morelock will present a com- man, president-elect of the Young Register of Historic Places. The prehensive analysis of the US econo- continued on next page luxurious downtown hotel is legendary for its charm, elegance, gracious hospitality, and contin- ues today to carry the distinction of the “South’s Grand Hotel.” Headquarters for the Leader- ship Convention, The Peabody is holding a block of rooms on a Thank You to Our Sponsors first-come, first-served basis at a Alexander Thompson Arnold, PLLC, First National Banker’s Bank, special group rate of $175 single/ Milan, TN Birmingham, AL double occupancy per night, plus Correspondent Services, First Tennes- FISERV, Inc, Brookfield, WI applicable taxes. see Bank, NA, Memphis, TN Gerrish McCreary Smith, PC, The deadline for reserving Crowe Horwath LLP, Franklin, TN Memphis, TN accommodations at the special Crowell & Crowell, PLLC, Franklin, TN Graduate School of Banking at LSU, group rate is Tuesday, March 31. CRS Data, Knoxville, TN Baton Rouge, LA When the allotted room block is Earl R. Whaley and Company, Alcoa, TN Harland Clarke, Franklin, TN sold, even if it is before the March EverFi, Inc, Washington, DC Hilton Knoxville Hotel, Knoxville, TN 31 deadline, room rates return to Federal Home Loan Bank of Cincinnati, Investors Title Insurance Company, standard prices on a space-avail- Cincinnati, OH Chapel Hill, NC able basis. Financial Products and Services, Inc, Office Depot, Nashville, TN Call 800-THE-PEABODY or Nashville, TN The Plateau Group, Inc, Crossville, TN 901-529-4000 to make your res- First Community Mortgage, Inc, Waller, Nashville, TN ervations and ask for group code Murfreesboro, TN “Tennessee Young Bankers” to receive the special group rate. ■

MARCH/APRIL 2015 | THE TENNESSEE BANKER 37 April 26–28 Leadership Convention continued

Bankers Division, and assistant vice McCreary Smith. The community agement and leadership practices in president of Citizens Bank and Trust banking industry is rapidly changing. your business, education, social, and Company of Grainger County, will The community banker of tomorrow personal relationships. Much can be preside over the PEP Awards Cere- will not be the same as the communi- revealed about feelings on both the mony, which is sponsored by First ty banker of today. Tuck will discuss conscious and unconscious levels in National Banker’s Bank. emerging trends in the community bank- addition to the commanding science Business resumes with two addi- ing industry and help you identify how behind body language. Van Natten tional presentations on the agenda: to position yourself to be successful as also will focus on strategies to gain • Preparing Today for Community a community bank leader in the future. confidence in presentations and be Banking Tomorrow – Greyson Tuck, In the presentation, Tuck will examine more aware of the lasting impact from member, board of directors, Gerrish the current state of community banking, first impressions. In turn, you gain the forthcoming changes in the industry, edge in the boardroom and in front of your responsibilities as a future leader in any size group and make a positive Program Speakers community banking, and what actions difference in aspects of your life. you can take today to prepare you for The first business session ends at leadership tomorrow. 3:30 with a prize drawing sponsored • The Power of Body Language & by Hilton Knoxville Hotel, site of the Leadership – Donna Van Natten, EdD, 2016 Leadership Convention. president and CEO, Accountability At 5:00 pm, join the crowd to view Blanken Finnegan Matters, Inc. Much of how we com- the legendary March of the Peabody municate relies on the unspoken signs Ducks as they make their journey our bodies generate, and we benefit by between the lobby fountain and the understanding ourselves and how we Royal Duck Palace on the hotel roof, interact with others. Clues, gestures, a replica of the hotel. Visitors to the limbic brain functions, and cultural hotel are captivated by The Peabody’s Gray Marsh norms control much of how we engage world-famous mallards. On this with others and how we present our- afternoon, TBA’s own YB Division selves in various situations. President Emily Gray will take her Begin to understand the influential turn as guest Duck Master. Be there aspects of body language for man- to cheer her on.

Miller Morelock

Pruitt Sledge

Smith Tuck

Van Natten Join us for the legendary March of the Peabody Ducks at 5:00 pm on Monday.

38 THE TENNESSEE BANKER | MARCH/APRIL 2015 April 26–28

Stay up to date, while on the go! Check out our 2015 convention Sponsored by EverFi, Inc Mobile App Washington, DC Enjoy custom schedules, program maps, speaker bios, and extended information about this year’s program! Use redeem code: LEADERSHIP15 Enjoy authentic Memphis soul To learn more, visit: entertainment by Blind Mississippi www.guidebook.com/g/2015Leadership Morris at the Past Presidents’ Reception. Photo by Nolan Buc

Follow the ducks to the rooftop and market share. In this session, bank- who only use one product. These are and the Skyway where the day’s events ers will learn about the trends in credit referred to as “monoline accounts.” conclude with the Past Presidents’ union competition based on an inde- Monoline accounts are missed op- Reception from 5:30 to 6:30. Finan- pendent research study commissioned portunities to build franchise value. cial Products and Services, Inc, is the by the TBA Independent Bankers Di- On the other hand, some banks have sponsor of the reception. vision. Smith will also discuss policy a fully utilized array of products but Entertainment is provided by changes and issues from Nashville and only a few customers. This choice Blind Mississippi Morris. Born in Washington affecting bankers in 2015. is sometimes forced by design, as Clarksdale, MS, said by many to be • Utilizing Data for Compliant Real in private wealth banks, but more the birthplace of the blues, Morris is Estate Evaluations while Growing often than not, it is a product of dubbed the “Real Deal on Beale” and Your Loan Portfolio – Jason Pruitt, a misalignment among the retail, rated one of the 10 best harmonica director of financial solutions group, marketing, and finance departments’ players in the world by Bluzharp CRS Data. Even though the interagen- goals. Miller outlines the trade-offs Magazine. cy guidance on real estate evaluations of each strategy, how to improve Following the reception, delegates and appraisal review seems like old customer product utilization, how will be on their own for dinner. news, recent findings in examinations to win new customers, and how to have seemed to push the concerns back create incentives that align with the Tuesday Agenda to the forefront. Learn how your insti- organization’s overall goal of organic Start your day with continental tution can use public record real estate growth. breakfast available from 8:00 to 8:30 data to ensure you provide compliant, Be sure and stay until the very and sponsored by the Federal Home in-house property evaluations, as well end of the business session to be eli- Loan Bank of Cincinnati. as identify maturing real estate loans in gible for the grand prize drawing for The second general business ses- your market. $1,000 cash, sponsored by Crowell sion will convene at 8:30 and con- • Turning Social Media into Social & Crowell, PLLC. clude at 11:30. Capital – Colby Sledge, account super- The 2015 Leadership Convention Sessions include: visor, McNeely Piggott & Fox Public will adjourn at 11:30. • President’s Report/Division Elec- Relations, LLC. Sledge will discuss tions – Emily Gray, president of the how to engage communities and peers Registration Fees Young Bankers Division. See the in a meaningful way on social media. The full registration fees cover article on page 34 concerning the Our goal—turn online conversations participation in the business ses- election of a new vice president and into real-world initiatives that raise sions, continental breakfast and new directors. your profile and strengthen your pro- refreshment breaks on Monday and • Credit Unions in Tennessee – fessional and civic relationships. Tuesday, lunch on Monday, and eve- Amy Smith, TBA senior vice pres- • It’s All about Driving Growth— ning events on Sunday and Monday. ident and deputy counsel. Credit Product versus Customer Centric Mod- The spouse/guest registration fees union growth has been accelerating els – Matt Miller, executive managing include participation in the evening at a rapid pace across the state in all director, FinPro, Inc. FinPro works events only. areas—branching, business lending, with many banks that have customers continued on next page

MARCH/APRIL 2015 | THE TENNESSEE BANKER 39 April 26–28 Leadership Convention continued

Registrations received in the TBA members and associate members, $580 copy of the program brochure con- office by the close of business on April for nonmembers, $205 for member taining complete information about 10 qualify for early registration fees of spouses/guests, and $355 for nonmember the upcoming Leadership Convention $275 for TBA members and associate spouses/guests. and a printable registration form or to members, $550 for nonmembers, $175 All day-of program registrants will be register online. for member spouses/guests, and $325 assessed an additional $50 late registra- If you have questions about the for nonmember spouses/guests. tion fee, so please register early. program, contact Stacey Langford, via After April 10, fees increase by Visit the TBA website, www.TN- e-mail to [email protected] or $30 across the board to $305 for TBA Bankers.org/calendar, to download a call 615-244-4871 or 800-964-5525. ■

Young Bankers Division Young Bankers Division Elections on Tuesday 2014 – 2015 Board of Directors During the Tuesday morning Officers: business session, delegates to the President: Emily Gray, Senior Vice President/Chief Credit Leadership Convention will elect Officer, The Hardin County Bank, Savannah a new vice president from the West President-elect: Bo Blanken, Assistant Vice President, Grand Division of Tennessee and Citizens Bank and Trust Company of Grainger County, Rutledge one new director from the East, Gray Vice President: Chris Schlueter, Vice President, FirstBank, Middle, and West grand divisions. Nashville February 20 was the deadline to submit official Immediate Past President: Robby Moore, Senior Vice vice president and directors nominations to the Young President, Bank of Perry County, Hohenwald Bankers Division executive committee. Directors: Anyone wishing to be nominated from the floor at East Tennessee the convention must file a letter of intent with the nom- John Hunter, Commercial Relationship Manager, People’s inating committee at least 10 days prior to the meeting. Community Bank, a Division of First Community Bank, For complete details about the election process, Johnson City please contact Stacey Langford, slangford@TNBank- Mark Kline, President/CEO, The First National Bank of ers.org, in the TBA office.■ Oneida, Oneida Josh Lane, Senior Vice President, TNBANK, Knoxville, TN Middle Tennessee Michael D. Griffith, Vice President, Business Banking and Young Bankers Division Development, Security Federal Savings Bank of McMinnville, TennesseeGrand Bankers Divisions Association Districts McMinnville Luke Buckley, Senior Vice President, First Commerce Bank, WestWest MiddleMiddle EastEast Lewisburg Samuel L. Short, Vice President, Southern Bank of Tennessee, Mount Juliet West Tennessee John Killen, City President, Carroll Bank and Trust, Camden Andy Collins, Community President, Commercial Bank & Trust Co, Paris Danielle Williams, Financial Center President, First Citizens National Bank, Newbern

40 THE TENNESSEE BANKER | MARCH/APRIL 2015 2015

Photo Recap February 4 War Memorial Auditorium, Nashville

Jeff Agee and Rep Jimmy Eldridge Rep Charles Sargent, Speaker Beth Harwell, Tommy Whitaker, and Rep Wil- liam Lamberth

Rep Bryan Terry, Tom Hagan, Lee Moss

Gordon Majors, Phillip Calahan, Sen Jim Tracy, Melinda Ashburn, Tom Clifford.

Joe Hamdi, Rep Art Swann, Sen Sen Bill Ketron with the Legislative Emily Gray and Robby Moore Richard Briggs Staff and Rep Jeremy Faison

MARCH/APRIL 2015 | THE TENNESSEE BANKER 41 Legislative Reception, continued

Jay England, Jim England, and Wendy Guerrin Smith Rep Pat Marsh, Bill Marsh, and Steve Shelton

Andrew Glenn, Paul Willson, and Jim Vaughn Monte Jones, Jeff Agee, Rep Jimmy Eldridge, and Jim England

Sen Richard Briggs and Rep Bob Ramsey

Rep Larry Miller and Rep Karen McCall Wilson, Sen Dolores Gresham, and Steve Eisen Camper

42 THE TENNESSEE BANKER | MARCH/APRIL 2015 Rep Patsy Hazlewood and Craig Holley

Lee Moss, Colin Barrett, Sen Ed Jackson, Rep Jimmy Eldridge, and Rachel Barrett

J.B. Bryan, Bob McDonald, Rep Susan Lynn, and John Joe Hamdi, Jim Windrow, David Reynolds, Paul Willson, McDearman and Logan Hickman

Micki Hodge and Rep Steve McManus Rep G.A. Hardaway, Amy Smith, Cary Booker, and Rep Roger Kane

MARCH/APRIL 2015 | THE TENNESSEE BANKER 43 Credit Conference Photo Recap Developing Tomorrow’s February 5 & 6, 2015 Lenders Omni Hotel Nashville Today

Joseph T. Keating of CenterState Bank gives his economic outlook.

TBA Chairman Bill Marsh and Credit Committee Chairman John McDearman Richard Parsons broached five questions chat for a moment before opening remarks. for bank CEOs and directors.

Thank You to Our Sponsors Crowe Horwath LLP, Franklin, TN Crowell & Crowell, PLLC, Franklin, TN Elliot Davis Decosimo, Greenville, SC Financial Products and Services, Inc, Nashville, TN First National Banker’s Bank, Birmingham, AL KraftCPAs PLLC, Nashville, TN Mauldin & Jenkins CPA, LLC, Chattanooga, TN ServisFirst Bank, Memphis, TN Southeastern Commercial Finance, LLC, Memphis, TN Attendants enjoy the continental breakfast before the conference gets underway.

44 THE TENNESSEE BANKER | MARCH/APRIL 2015 Again this year, banking and finance students from the University of Tennessee Martin (UTM) and East Tennessee State University (ETSU) attended the Credit Con- ference thanks to sponsorships from banks in their areas. Students from UTM and bank sponsors were (L to R): Esthelee Wright, Andrea Argo, Andy Collins (Commercial Bank & Trust Co, Paris), Sam Lewallen (First State Bank, Martin), Ross Dickens (Dean, UTM College of Business), Cody Miller, Abbiegail Bingham, Matthew Spraggins, Casey Mc- Neil, Jacelyn Bates, Jessica Hollingsworth, Chuck Sisson (Farmers and Merchants Bank, McKenzie), Ashley Miller (Bank of Milan, Milan), and Randy Huffstetler (Greenfield Banking Company, Greenfield). Other sponsoring banks not represented in the picture were: Regions Bank, Jack- son; Security Bank and Trust Company, Dyersburg; BancorpSouth Bank, Dresden; FirstBank, Lexington; First Citizens National Bank, Dyersburg; Reelfoot Bank, Union City; and Carroll Bank and Trust, Huntingdon.

ETSU students and bank sponsors were (L to R): Bill Edwards (Mountain Commerce Bank, Johnson City), David Verble (Citizens National Bank, Sevierville), Nathan Gouge, Larry Estepp (Citizens Bank, Kingsport), Garrett Cox, Larry White (ETSU Chair of Banking), Katelyn Vittatoe, Mike Comer (Citizens National Bank, Sevierville), Katie Hensley, and Bill Beard (HomeTrust Bank, Johnson City). Other sponsoring banks not represented in the picture were: Andrew Johnson Bank, Greenville; First Community Bank of East Tennessee, Rogersville.

Luncheon speaker Inquoris “Inky” Johnson signs copies of his book for a line Luncheon speaker Inquoris “Inky” of attendants. He received a standing ovation for his moving presentation. Johnson

MARCH/APRIL 2015 | THE TENNESSEE BANKER 45 Credit Conference continued

Todd Sprang’s workshop topic was Bill Ford focused on attracting and John Cochran discussed the pros FASB’s CECL Model. retaining key employees in his workshop. and cons of asset-based lending.

Agricultural economics professor Steve Isaacs delivered a broad overview of the ag economy and how ag differs Speakers Ty Howard (left) and Todd Presnell (right) of Bradley Arant Boult from the rest of the world. Cummings LLP.

TBA Executive Vice President and William Emmons of the St Louis Fed TDFI Commissioner Greg Gonzales General Counsel Tim Amos delivered an discussed the outlook for interest update on state and federal legislation. rates.

46 THE TENNESSEE BANKER | MARCH/APRIL 2015 Credit Committee Chairman John McDearman (left) received an engraved clock from 2013-2014 committee chairman Michael Ayer.

Below, Credit Conference attendants enjoyed the Thursday evening reception, sponsored by Financial Products and Services, Inc. Representing FinancialPSI were Hubert Moore, Ted Frizen, Brian Mobley, and Jon Goodson.

Credit Conference attendants enjoyed the reception on Thursday, February 5.

MARCH/APRIL 2015 | THE TENNESSEE BANKER 47 Welcome New Associate Members

he following companies have joined the Tennessee Bankers Association as associate members since the publication of the 2014 Bankers Directory. TBA’s associate members deliver valuable products and T services that help financial institutions serve their customers. In addition, they provide considerable support to TBA efforts and programs. You will find a complete list of TBA associate members on the TBA website at www.tnbankers.org/associates/ or in a special section of the Bankers Directory. If you have questions about associate membership, please contact Stacey Langford, [email protected].

BANK EQUIPMENT/SUPPLIES CONSULTANTS Goodlettsville, TN Norcross, GA ATM Solutions, Inc Genesys Technology Group, LLC 108 Space Park N Phone: (615) 487-4018 5239 Cottney Croft Way Phone: (404) 969-6629 37072-1852 Toll-free: (800) 790-0515 30092-1231 www.atm-solutions.com www.genesystg.com Contact: Christy McMurry Contact: David Saylor – [email protected] – [email protected] Genesys Technology Group, LLC, is a consulting firm founded to enhance the profitability of community banks ATM Solutions, Inc, was established in 1994 as an ATM by helping them make smart, cost-effective decisions when cash replenishment and maintenance company. Today, evaluating and selecting key technology vendors. Our we provide financial institutions and retailers a single role includes working on behalf of our client banks to source for consistent and reliable ATM services including negotiate all pricing and contracts and providing detailed armored courier and ATM maintenance services plus an cost-of-ownership analysis across all internal systems. ATM outsourcing program that enables even small to mid- We also offer a number of other complementary services, sized financial institutions to provide surcharge-free ATM including turn-key vendor management, conversion and access to their customers/members at a fraction of the cost integration project management and managed services/IT of traditional ATM deployment. ATM Solutions’ corporate evaluations. Founded in 2007, Genesys has worked with headquarters is located in Cincinnati, OH, with satellite more than 170 banks nationwide. For more information offices in Columbus, Cleveland, Toledo, Indianapolis, St please email us at [email protected] or visit our website Louis, Louisville, Lexington, Knoxville, and Nashville. at www.genesystg.com. Our company is guided by principles of quality, integrity, GOVERNMENT LENDING SPECIALISTS and commitment. We feel, as do our customers, that we Mount Pleasant, TN are the finest ATM service company in the industry. We South Central Tennessee Business have the personnel, technology, and attitude to make your Development Corporation ATM program operate more effectively and efficiently than 101 Sam Watkins Blvd Phone: (931) 379-2918 it ever has. 38474-4024 Fax: (931) 379-2640 www.sctdd.org COMPLIANCE SERVICES Contact: Eddie Fitzgerald – [email protected] Chattanooga Valley, GA Roundtree Agency Thomas Wallace, Fort Myers, FL – [email protected] 115 Roundtree Ct Phone: (706) 944-3725 SCTBDC was formed in 1982 and is licensed as a certi- 30725-2759 fied development company (CDC) by the Small Business www.roundtreeagency.com Administration to provide financial assistance to small Contact: Andy Jones – [email protected] businesses under the 504 program. The 504 program is designed to provide borrower and lender benefits that in- Roundtree helps banks improve their communities and centivize new investments in the form of capital assets by their compliance with the CRA. We find and fulfill financial providing up to 20-year, fixed–rate financing alternatives education opportunities on behalf of banks in low-income for up to 40 percent of eligible project costs for borrowers geographies in their assessment area(s). Banks get mean- making an investment that satisfies one of the regulatory ingful CRA service hours while saving time and resources. economic or community development or public policy goals

48 THE TENNESSEE BANKER | MARCH/APRIL 2015 for the program. SCTBDC partners with SCTDD to offer for encrypted, password-protected download via a cus- financing through several other government programs, in- tom-branded portal or through e-mail with the ShareFile cluding the EDA, USDA, the State of Tennessee, and other plugin for Microsoft Outlook. private funding sources. We strive to provide creative yet functional solutions to financing challenges for the banking MARKETING community by providing lenders access to nonconventional Knoxville, TN financing alternatives without ongoing loan covenants or Morris Creative Group LLC additional reporting requirements. The 504 program can 555 W Jackson Ave Phone: (865) 637-9869 help build a stronger balance sheet, provide CRA credit, 37902-1352 Fax: (865) 637-9900 and improve lending opportunities and competitiveness www.morriscreative.com Toll-free: (866) 637- over conventional or other government–guaranteed lending 9869 alternatives. Contact: Charles J. Morris, Jr – [email protected] INFORMATION TECHNOLOGY Memphis, TN For almost 25 years, Morris Creative Group has provided EVS Corporation the marketing communications services and expertise to 5050 Poplar Ave, Ste 1600 Phone: ((901) 213-5144 help banks and other financial institutions communicate 38157-1600 Fax: (901) 748-0811 more clearly, brand themselves distinctively, and generate www.evscorporation.com better returns for shareholders. Whether a website, a mo- Contact: Stephanie Aldrich bile app, or a comprehensive advertising and marketing – [email protected] strategy, MCG has the people, experience, and proven track record to help you succeed in today’s changing marketplace. EVS is dedicated to helping clients achieve their business Call us today for a no obligation consultation. ■ objectives by managing corporate risk, increasing efficiency, and meeting compliance and regulatory standards. EVS is a multi-vendor backup and disaster recovery (BDR) service provider. The company now serves over 200 clients pro- tecting nearly 1.4 Petabytes of data and managing 100,000 backup jobs per month. EVS has gained a reputation of excellence with a 100 percent success rate in data recovery requests year after year.

INFORMATION TECHNOLOGY Nashville, TN Jackson Thornton Technologies 333 Commerce St Phone: (615) 879-9201 37201-1826 www.jttconnect.com Contact: Brian Mason – [email protected]

Information technology company specializing in managed services, security, and disaster recovery.

INFORMATION TECHNOLOGY Raleigh, NC Citrix ShareFile 120 S West St Phone: (919) 745-6197 27603-1834 www.sharefile.com Contact: Ted Kirk – [email protected]

ShareFile for financial services was designed specifically for banking professionals to exchange confidential finan- cial documents. Individual files and folders are available

MARCH/APRIL 2015 | THE TENNESSEE BANKER 49 Bank Notes

First National Bank, McMinnville, Celebrates 140 Years

The First National Bank of Mc- Minnville, McMinnville, began its 140-year anniversary celebration. When the bank was first launched in 1874, the US flag carried only 37 stars. Planes, phones, and cars were well into the future. Baseball was in its infancy, and football and basketball were yet to be played. The year First National was organized, an armed revolt ended Civil War Reconstruction in Texas, and the elephant became the iconic symbol of the Republican Party. Even more impressive than FNB’s history is its record of stability, sur- viving numerous financial crises. First National, in fact, continued to pay Employees of The First National Bank of McMinnville participate in a ribbon cut- ting to celebrate the bank’s 140-year anniversary. dividends to its stakeholders even during the Great Depression and more share at this time of 35.86 percent or in. I want to thank each director and recently the Great Recession. $141 million. Twenty years later, First employee . . . for their dedication and Pieter van Vuuren, bank president National has the largest deposit market hard work. and chief executive officer, credits the share of 46.51 percent or $344 million. In addition to its historic main bank’s successful longevity to sound In addition to our growth in market office on Main Street in McMinnville, fiscal management and its adherence share, we have grown all areas of the First National now operates four to basic principles for a community bank,” van Vuuren noted. branches in Warren County plus a bank. “Community banking is a need Van Vuuren lauded the leadership of mortgage office. In the past five years of every small town. A bank where the bank’s board of directors and offi- First National has expanded into you as a customer can walk in and cers through the years in First National neighboring Rutherford County and talk to someone (who) has been at achieving its long and successful histo- seen significant growth. The bank the bank for a while, someone (who) ry. “All of this being said, this growth maintains a full-service branch in the knows your need, someone (who) would not be possible without the vision Murfreesboro Gateway development knows your family, and someone and hard work of the board of directors district, a fast-growing mortgage unit, (who) knows the importance of in- and employees that this bank has had and a title company. A mortgage office vesting in your community,” he said. over the past 140 years,” he said, add- is also located in Shelbyville in nearby The third oldest bank in Tennessee ing, “The bank has always put its heart Bedford County. and oldest in Middle Tennessee hit a and finances into this community and The bank’s board of directors is financial milestone in 2012 with more all the communities that we serve. The chaired by C. Levoy Knowles, with than $500 million in assets and has bank knows the importance in giving members Doug Milner, Greg Brock, recorded a remarkable market share. back to the community that supports Rufus Gonder, G. B. Greene, Robert “In 1994, FDIC data shows that you, and I can promise everyone here W. Jones, Shane McFarland, Mark there was $394 million in deposits in today that this will never change for Pirtle, Bill Rogers, Gentry Underhill, (zip code) 37110. First National Bank any community that we do business Phil Whisenhunt, and van Vuuren. ■ had the second largest deposit market

50 THE TENNESSEE BANKER | MARCH/APRIL 2015 BBVA Compass Bank’s Mobile App Wins 2014 Mobile Banking Leader in Functionality Birmingham’s BBVA Compass Javelin’s Mobile Banking Financial Bank’s mobile app has won the 2014 Institution Scorecard compared the Mobile Banking Leader in Functional- mobile banking apps of the top 30 US ity Award for the second consecutive retail financial institutions across four year from Javelin Strategy & Research’s key areas: accessibility, functionality, Mobile Banking Financial Institution app user ratings, and alerts. The study Scorecard. BBVA Compass Bank also informs industry experts and players Bank of Bartlett Buys received high marks for its mobile how these financial institutions measure alerts. Javelin noted that “through up in mobile banking features visible to Back Germantown an industry-leading set of innovative consumers. The award designations are Location features, the bank provides users the determined by a combination of results greatest range of capabilities,” and the of the interviews, website research, and In early January, Bank of Bartlett, bank’s app had “the widest range of analyst opinion. Bartlett, bought back its property on standard and advanced features.” BBVA Compass landed at the top of Kirby Parkway, south Poplar Avenue, This award marks a victory in the the pack in the functionality category ahead of a possible redevelopment bank’s ongoing efforts to provide cus- and also received high marks in the most of Germantown’s western gateway. tomers a best-in-class app. “Mobile comprehensive alerts category. “The rec- The bank bought the 4,500-square- banking is crucial to meeting custom- ognition across multiple areas validates foot building from developer Spence ers’ demand for around-the-clock ac- our mobile app efforts,” said BBVA Ray. Bank of Bartlett has leased the cess to their money,” said BBVA Com- Compass director of self service channels building since selling the property to pass chief digital banking officer Jeff development Alex Carriles. “It’s one of Ray in 2007. Dennes. “This honor is a testament to our most popular tools, and we strive to Justin Byrd, chief financial officer our focus on addressing that need with keep it fresh by incorporating new, inno- at the Bank of Bartlett, said the bank comprehensive and feature-rich digital vative features and working to enhance saw long-term value in “controlling offerings that simplify banking.” the experience for our customers.” ■ our own destiny” at the location, especially with plans in the works to First Freedom Bank Announces Outstanding Employee redevelop the Poplar Avenue West area. “The value is only going to go Awards Winners up, in our opinion,” he said. Concep- First Freedom Bank, Lebanon, bank with her service to the commu- tual plans include a redevelopment announced the winners of the bank’s nity. Ferrell is involved with CASA, of the Carrefour at Kirby Woods Outstanding Employee Awards in helping with fundraising efforts for shopping center, as well as the block 2014 for excellence in various areas the local organization. across Kirby that includes the bank of service. The awards were voted on Lisa Langford, personal banker of Bartlett location. ■ by the employees of the bank, and and customer service representative the winners were announced at the manager at the Mount Juliet office, Carr, Riggs & Ingram company’s annual Christmas party. won the Red Carpet Service Award. Merges with Oman Kelly Ferrell, senior personal bank- This is the bank’s highest honor for en- er and team leader at the Lebanon hancing the customer experience and Berry & Associates and office received theFinancial Planning rendering service above and beyond BOI Consulting Award. This award is given to the the call of duty. Carr, Riggs & Ingram, TBA asso- employee who does the best job of Lola Mullican, executive admin- ciate member and Top 25 accounting recognizing customer needs in the istrative assistant at the Lebanon firm rated nationally by Accounting areas of financial planning, retirement office, was recognized with theInter - Today has deepened its Texas roots by planning, and investment services. nal Service Award, given to the em- merging Oman Berry & Associates and Shelia Ferrell, vice ployee who provides the best service BOI Consulting, both in The Wood- president and rela- specifically to other First Freedom lands, north part of Houston area. Both tionship manager, re- employees. Mullican is widely known entities now will operate under the CRI ceived the Communi- throughout the bank for her excellent name while retaining their current staff ty Champion Award organizational, planning, and commu- and office in The Woodlands. ■ ■ for representing the Ferrell nication skills. continued on next page

MARCH/APRIL 2015 | THE TENNESSEE BANKER 51 Bank Notes continued

Matt Scanlan, attorney with Gul- Honored at a luncheon in February lett Sanford Robinson & Martin were Kim Looney, attorney and PLLC, Nashville, was elected chair- partner, Waller, Nashville; Anne man of the Tennessee Lobbyist As- Martin, member, Bone McAllester sociation. Norton PLLC, Nashville; Lisa Har- less, senior vice president/private wealth advisor, Regions Bank, The Legal Marketing Association’s Nashville; Tracey Power, executive southeastern chapter has named vice president of human resources Ann Dee McClane as chairman and and support services, Comdata, Ali Clark as chairman-elect of the Inc, Brentwood; Jennifer Kovalcik, Nashville City Group. McClane is trademark and technology attorney, director of marketing and business Paragon Bank CEO Robert Shaw Stites & Harbison, PLLC, Nash- accepting the 2014 Psychologically development for Bone McAllester ville; and Jessalyn Zeigler, member/ Healthy Workplace Award for the State Norton PLLC, Nashville, and Clark is of Tennessee. partner, Bass, Berry & Sims, PLC, business development coordinator for Nashville. Baker, Donelson, Bearman, Caldwell Paragon Bank, Memphis, has & Berkowitz, PC, Nashville. received the 2014 Psychologically Healthy Workplace Award for the N. Courtney Hol- State of Tennessee. The American lins, an attorney for Joycelyn Steven- Psychological Association presents Dickinson Wright son, shareholder in the award annually to recognize in- PLLC, Nashville, the Nashville office novative companies that implement was named presi- of Littler, Mendel- programs to foster employee health dent of The West son, PC, was elected and well-being. End Home Founda- Hollins president-elect of the “This recognition is incredibly tion, a private non- Nashville Bar Associ- meaningful for our company because profit organization committed to ation for a one-year of the effort we put forth to create supporting the elderly in Nashville Stevenson term beginning in a positive workplace environment,” since 1891. January 2015. She will assume the said Robert Shaw, CEO at Paragon role of president in January 2016. Bank. Paragon Bank was nominated by Robert Bloom, PhD, president-elect SunTrust Bank, Knoxville, pre- of the Tennessee Psychological Asso- sented Knox County Mayor Tim James Hare, se- ciation and a Paragon customer. The Burchett with an E-commerce card nior vice president selection committee recognized the rebate check in the amount of and financial consul- psychologically healthy workplace $538,329, surpassing $500,000 for tant, with Pinnacle initiatives implemented at Paragon the first time. Knox County earned Financial Partners, and how they complemented the vi- the large rebate through the use of Nashville, was named sion for the bank. Areas evaluated for its E-commerce cards during the among the Top 50 the competition included employee in- 2014 calendar year, a 21 percent Hare Bank Advisors by volvement, health and safety, employ- increase of $91,000 over the 2013 Bank Investment Consultant maga- ee growth and development, work-life total. E-commerce cards were im- zine for the second year. Ranked at balance, and employee recognition. plemented four years ago with the number 14, he was named also to intention of saving time and money the list in 2012. Bank Investment for the county by consolidating Consultant is the industry leader Several members of the Tennessee paperwork, paying vendors more ef- in readership and relevance among Bankers Association were included ficiently, and more efficient process- bank-based financial advisers. in the Nashville Business Journal’s ing of departmental transactions. 2015 Women of Influence Awards.

52 THE TENNESSEE BANKER | MARCH/APRIL 2015 Members of Tennessee Bankers Association who were included in Nashville Business Journal 2015 Class of 40 under 40 were Miranda Christy, attorney, Stites & Harbison, PLLC; Aaron Dorn, chief strategy and mar- keting officer, Avenue Bank; Nancy Mullen, senior manager, KraftCPAs PLLC; Wes Pass, vice president, national for profit healthcare group within Bank of America Merrill Lynch; Joseph Saig, director of pro- cess improvement, Fifth Third Bank. These winners were nominated by the public and chosen by a panel of judg- es—past winners themselves—who looked at a wide range of criteria.

Adam C. Severson, chief market- ing and business development officer Tennessee State Bank Pigeon Forge, celebrated bank director Alfred Newman’s 94th birthday. at Baker, Donelson, Bearman, Cald- well & Berkowitz, PC, Nashville, was Soon after Tennessee State Bank, “When I started as a director, we appointed as president of the Legal Pigeon Forge, was founded in 1972, would hurry to make the deposits Marketing Association. Severson’s Alfred Newman joined the bank as from our businesses to make sure we one-year term began January 1. a member of the board of directors, had plenty of money on hand to take and he continues today. On February care of cashing checks for customers 12, Tennessee State Bank celebrated the next day,” remembers Newman. David Morgan, Newman’s upcoming 94th birthday. “The bank now has over 200 em- founder and co-man- Over his 43-year tenure as director, ployees, and they are what make us aging partner of Lat- Newman has missed only seven weekly successful.” timore Black Mor- board meetings. With sharp mind and He has been a member of Alder gan & Cain, PC, a compassionate spirit, he continues to Branch Baptist Church since 1935. Brentwood, is the be a major contributor to the progress “Because of Newman’s passion for recipient of the 2014 of the bank. Before joining the bank’s his faith and support of his church, Outstanding Business Morgan board, Newman was among the first we decided to make a donation to Leadership Award from Tennessee TSB customers; then Newman became Alder Branch Baptist Church in honor Technological University College of a business owner of Newman’s Cafe of our friend. We couldn’t think of a Business, Cookeville. The Outstand- together with his brother until 1986; better way to celebrate this year,” says ing Business Leadership Award is and finally Newman became a land Todd Proffitt, Tennessee State Bank given annually to an individual who developer in Sevier County. president and CEO. has made significant impact to their profession by years of hard work and dedication. He is the immediate Apple. In an extension of the bank’s iPhone 6, iPhone 6 Plus, iPad Air 2 past chair of the Private Companies efforts to give its customers access to and iPad mini 3. “Mobile banking Practice Section (PCPS) of the AICPA their money on their terms, those with is a must-have for so many of our and served on the committee for nine BBVA Compass Visa consumer credit customers, and innovative new of- years. and BBVA Compass Visa consumer ferings—like this one—are changing and business check cards now are eli- what they expect to do with their gible to add their cards to Apple Pay. devices,” said BBVA Compass chief BBVA Compass has joined the Apple Pay lets customers make mobile digital banking officer Jeff Dennes. ranks of companies allowing their payments in participating stores from “Our aim, always, is to meet and ex- cardholders to put away their plas- their iPhone 6, iPhone 6 Plus, and Ap- ceed those expectations, and offering tic and use Apple Pay, the mobile ple Watch. It also allows customers to Apple Pay to our customers helps us payments solution introduced by make purchases within apps using an do just that.” ■

MARCH/APRIL 2015 | THE TENNESSEE BANKER 53 Promotions

Argent Trust career banker of more than 24 years, Michael Dillon has joined the Company of Tennes- joined Cornerstone in 2004. Moody, a Franklin Public Square Financial see, Memphis, has veteran banker with 43 years of experi- Center of Fifth Third Bank as a per- promoted Charles ence, joined Cornerstone in 2007. sonal banker and John (Jay) Nelson Wade to president. as a licensed personal banker. Amber Wade previously was Burks has joined the bank as a per- chief operating officer Cumberland Trust and Investment sonal banker associate. at the company. Wade Company, Nashville, has named Leslie Payne and Barbara Zambrano as trust officers. First Advantage CapStar Bank, Nashville, has Bank, Nashville, has tapped Kenneth Ford to launch a named Christy Cau- new wealth management division. In F&M Bank, Clarks- dill as executive vice addition, Barry Booker was named as ville, has named Steve president and chief a C&I relationship manager. Ford, a Jackson as senior vice operations officer. financial consultant, joined CapStar president and manager Previously, Caudill Caudill Bank from Regions Investments. of commercial sales. was senior vice pres- Booker was previously a commercial With 25 years of finan- ident of treasury management and relationship manager at Wells Fargo cial services experience, deposit operations for Avenue Bank. Bank. Jackson is a veteran Jackson banker who holds certification as a financial planner. FirstBank, Nash- ville, has named Steven Ford as commercial FSG Bank, NA, Chattanooga, has relationship manag- promoted Michele Bowman to senior er and vice president, vice president, retail branch operations. Jerry Craig as loan With over 25 years in banking, Bowman servicing center man- Wade Musgrave Simpson has experience in retail branch opera- ager, Hanna Gober as Ford Community First Bank & Trust, tions and has served in many different a financial services representative, and Columbia, has promoted Shannon roles within retail banking at various Jesse Eddy accounting manager. Fitzgerald to senior vice president/ financial institutions. operations manager, Janice Simpson to senior vice president/branch admin- First Freedom istration manager, and named Judy Fifth Third Bank, Nashville, has Bank, Lebanon, has Musgrave vice president/loan officer. named Valerie Hawkins human re- added Joe Shade as sources director for Tennessee. Haw- vice president and kins joined Fifth Third Bank in 2005. relationship manager With 18 years of experience, Hawkins located at First Free- previously was a business partner with dom’s Providence of- Chiquita Brands International support- fice in Mount Juliet. Shade ing their global headquarters. Shade has more than 13 years of expe- The bank also added Jeff Hoffman rience in banking, beginning his career and David Woody to their mortgage as a credit analyst with Regions Bank Hightshue Moody team as mortgage loan officers and in 2002. He comes to First Freedom Cornerstone Community Bank, Chris Thomas as a mortgage loan from The Bank of Nashville where he Chattanooga, has promoted Doug associate. spent five years as a commercial real Hightshue and Sam D. Moody to estate lender, managing more than senior vice president. Hightshue, a $50 million in loans.

54 THE TENNESSEE BANKER | MARCH/APRIL 2015 Jim Penland, chairman of First Vision Bank of Tennessee, Tullahoma, announced that Mike Rowland has been named chief executive officer in Thornton Uselton Vance addition to his current Rowland Davis Miller Risner role as president. Row- land joined forces with Penland and Pinnacle Financial Partners, Nash- executive vice president Roy Eckert as ville, has welcomed Ryan Miller as a a founder and organizer of the bank. senior vice president and trust services All three executives have played a sig- advisor, Kevin Davis as senior vice nificant role in the bank’s steady growth president and financial advisor, and Vincent van Vuuren in Coffee, Franklin, and Rutherford Kelly Risner vice president and credit counties over the last nine years. Pen- advisor. Miller brought a 14-year The First National Bank of Mc- land had served as the bank’s CEO from career from SunTrust bank, where Minnville, McMinnville, has promot- its opening, and he will remain active his roles included serving as trust ed Pieter van Vuuren to president/ as First Vision’s chairman of the board. advisor, trust officer, and wealth and chief executive officer, Scott Uselton investment management associate. to executive vice president/chief credit Previously, Davis was a branch man- officer and chief retail investment Franklin Synergy ager at Franklin Synergy Bank. Risner officer,Anne Vance to vice president/ Bank, Franklin, has pro- was a commercial portfolio manager human resource and marketing man- moted Beverly Dinsdale at CapStar Bank. ager, Rick Thornton to vice president/ to vice president, mar- In addition, Beth Anglin joined commercial lender, and Stacy Vincent keting assistant; Mandy Pinnacle as a trust operations special- to vice president/commercial lender. Garland to vice president, ist; Karen Brunetti as a client services Vincent and Thornton are at First Dinsdale executive assistant; Deb- advisor at the Bellevue location; Jill National’s Murfreesboro branch. bie Marlin to banking Duncan as office leader for the bank’s Uselton, with FNB since 2012, re- official;David Mitchell to Memorial Boulevard branch in Mur- cently launched and leads the bank’s financial advisor, invest- freesboro; Joe Jeffries as a client service wealth in management area in ad- ment officer; and Holly specialist; and Keri Nollner as a collec- dition to his roles as executive vice Prescott to investment tions and recovery support associate. president and credit officer. officer. Garland

Pinnacle Financial Partners, Mur- First Tennessee InsBank, Nashville, has welcomed freesboro, has wel- Bank, NA, Nashville, Maya H. Demonbreum, with a decade comed Tom Vance as has welcomed Renee of experience in the financial sector, to senior vice president, Drake, a veteran bank- their banking team as assistant control- lending officer, and er with more than 30 ler. Previously, Demonbreum was an manager/client adviso- years’ experience, as assistant controller and assistant vice ry group in Rutherford executive vice president Drake president at Reliant Bank. County. Vance for commercial bank- ing. Previously, Drake was senior vice president for commercial banking and Paragon Bank, Mem- Sevier County Bank, Sevierville, wealth management at Fifth Third phis, has named Troy has promoted April Fisher, a bank Bank and previously held leadership Wheetley first vice presi- employee since 2007, to head teller at positions for 16 years with SunTrust dent of information tech- the Pigeon Forge branch office. Bank in the commercial and corpo- nology. In addition, Mark rate banking and the private wealth Winburne was named ad- management lines of business, as well visor and managing part- Wheetley Wilson Bank & Trust, Lebanon, as working as a commercial banking ner of the bank’s wealth has promoted Colleen Blane to as- team lead for Mellon Bank, Pitts- solutions division. sistant vice president and manager burgh, PA, early in her career. of the Memorial Boulevard office in continued on next page

MARCH/APRIL 2015 | THE TENNESSEE BANKER 55 Promotions continued

Murfreesboro; Lisa Dies to branch Pathway Lending, Nashville, Path- Crosslin Technologies, Nashville, manager; Beverley Walker to branch way Lending has named Joseph Ag- has named Russ Cate as a systems manager at the Providence location in netta as chief credit officer. Previously, analyst. Previously, Cate was senior Mount Juliet; Andy West to branch Agnetta was senior credit officer at signal chief for the US Army. manager of the bank’s Carthage office; FirstBank. Dickinson Wright PLLC, Nash- Brad Cain to assistant manager at the Advanced Network Solutions, Nash- ville, has promoted both Kerry Mas- Providence office in Mount Juliet; ville, has named Jamie Cufr director of ters Ewald and Kelly M. Telfeyan to Lee Eaton to assistant manager at the sales. member attorney with the firm. bank’s North West Broad Street office, Murfreesboro; Jason Hall to manager of the bank’s Gordonsville office; Bass, Berry & Sims, PLC, Nashville, Dixon Hughes Goodman LLP, Jeff Linville to assistant manager at has announced the promotion of Andrea Memphis, has named Stephen Nixon Trousdale Bank & Trust; and Trey N. Orr, Jay H. Knight, Tatjana Pater- as risk advisory consultant to coordi- Geisenhoffer to mortgage loan officer no, and Kinika L. Young to member nate with engagement leaders in audit at the Baddour Parkway branch office attorney. project planning, client status report- in Lebanon. Aaron Duke was named ing, and IT best practice processes. assistant vice president and branch manager at the bank’s Smyrna office. Bradley Arant Boult Cummings LLP, Nashville, has named Phillip Walker as KPMG LLP, Nashville, has named a partner and member of the intellectual James Powell as managing partner. ServisFirst Bank, property practice group. Johanna L. Powell is responsible for the strategic Nashville, has named Jumper was named partner and mem- direction and growth of the firm’s James A. “Jim” Gardner ber of the real estate practice group Nashville office. as senior vice president representing developers, landlords, and of commercial banking tenants in all types of real estate trans- to focus on generating actions. Susan A. Weber was named Lattimore Black Morgan & Cain, new commercial bank- Gardner partner of the litigation practice group PC, Brentwood, has promoted Chris ing relationships for and life sciences industry team. Lovin to partner-in-charge of the ServisFirst Bank into the Knoxville, firm’s valuation, litigation, and busi- Tri-Cities, and Chattanooga areas ness transition services division. In of the state. With over 30 years of Carr, Riggs & Ingram, LLC, has addition, the firm named Jordan banking and management experience, added Alice Batey as a manager in the Davis as human resources represen- Gardner was previously chief financial tax department; Craig Eia as senior tative; W. Michael Decker as senior officer of Rocky Top Markets and a accountant; Stephanie Hall as audit accountant in the accounting and commercial relationship manager for manager; and Amber Jackson as a senior assurance services team; Kenton both Green County Bancshares and tax accountant. Farmer in security and risk services as First Tennessee Bank, NA. a level one engineer; Marc Higgins as Danielle Spence, a certified trust a system engineer; and Zach Warren and financial advisor, was named vice Concept Technology, Inc, Nashville, as PCI consultant. In addition, Amy president of private banking. With has added Daniel McGuire who will Ward has joined as a senior manager over nine years of banking experience, provide technological support to end in tax services, Stewart Riggs as man- Spence previously served as assistant users and assist field engineers; and Ben ager of transaction advisory services, vice president and trust officer at Tennant and Chris Morris as field engi- Mark McLeod as a staff accountant Fifth Third Bank, Nashville, and neers. In addition, the firm has named in tax services, Dustin Farthing as a was a credit manager at Wells Fargo Megan Johnson as controller. senior consultant in security and risk Bank, NA. services, Collin Phelps as a staff audi- tor in the accounting and assurance services team, and Daniel Owens as a staff auditor. ■

56 THE TENNESSEE BANKER | MARCH/APRIL 2015 Employment Opportunities

and development/monitoring of new procedures; adhere and self- motivated with strong phone skills. Word & POSITIONS WANTED to all compliance issues, as applicable to the position, to Excel proficiency required. E-mail resume, letter, and 1501-1 CLO, CCM include continuing education in compliance. Requires salary expectations to [email protected]. Experienced banker in both credit and lending. Credit bachelor’s degree or a minimum of 1–2 years’ related risk certified (CRC) professional designation from education, experience, and/or training. Must be able to 1501-2 TELLER The Risk Management Association (RMA). MBA analyze and interpret compliance-related publications and TriState Bank of Memphis is seeking a teller. The from Tulane University. Seeking Middle Tennessee government regulations with an enhanced knowledge of teller, who reports to the assistant branch manager, position in credit administration and/or commercial deposit and lending regulations required. Mathematical will provide prompt, efficient, and friendly service lending. Contact Thomas J. Kern by e–mail at kern@ skills must include calculation of discounts, interest, and to customers including paying and receiving cash, tulanealumni.net or by phone at 615-772-1822. percentages. Requires excellent written/verbal skills. making deposits, and balancing; follow the bank’s Ability to effectively present information and respond to established policies and procedures under the questions in small and large group settings is essential. 1405-2 SRO/CFO supervisor’s directions; build sound customer rela- Must be able work in a fast-paced environment and Community bank executive with 15 years of ex- tions and recognize customers’ needs and suggest meet strict deadlines. Interested candidates should send perience as chief financial officer. Has MBA with appropriate bank services; serve as a member of the a resume and letter of interest to: Human Resources, super-regional bank training and community bank branch team and promote a positive work environ- CapitalMark Bank & Trust, PO Box 671, Chattanooga, experience. Experienced in asset liability manage- ment. Requires high school diploma or equivalent TN 37401 or to [email protected]. ment, accounting, liquidity management, financial with some educational background in business or analysis, strategic planning, and budgeting. Contact accounting helpful; 6 months to 1 year of prior ex- Brian Hawkins via e-mail Brian.Hawkins2014@ 1502-1 ACH SPECIALIST perience in a financial institution as a teller or 3 or gmail.com or call 706-340-1078. First Volunteer Bank has an opening in Chattanooga for more years of heavy cash–handling experience; retail an ACH specialist. If you are interested in this position experience a plus; good mathematical skills; good please go to www.firstvolunteer.com and click on “View interpersonal and communication skills, as well as Our Job Postings.” The ACH specialist is responsible good organizational skills. Also requires computer POSITIONS AVAILABLE for assisting with setup, processing, and billing of ACH skills and familiarity with and use of standard office origination customers; processing ACH exception items; equipment. Must be able to lift 25 pounds, stoop, 1502-5 CREDIT ANALYST providing notifications of returns to customers and stand, and bend. Work shift is Monday – Thursday First Community Bank of East Tennessee, Kingsport, receiving and mailing notices of change to originators; 8:15 am – 5:00 pm; Friday 8:15 am 6:00 pm and is seeking a credit analyst. The credit analyst assists and providing service to both internal and external ACH work overtime as requested or needed to balance loan officers in loan production through the analysis customers. This position requires AAP certification, and drawer. Must be able to work rotating Saturdays of the financial condition of existing and prospective a minimum of 5 years of bank operations experience is and move from branch to branch as needed. Please customers. Duties include, but are not limited to, the preferred. EOE. M/F/D/V. e-mail responses to [email protected] or following: completes annual reviews on relationships [email protected]. with $250M debt and above, prepares credit mem- 1501-6 COMMERCIAL LOAN OFFICER oranda required for new/renewed loan approvals, Tennessee State Bank is seeking a commercial loan officer 1412-4 BUSINESS BANKER/COMMERCIAL spreads financial statements in Buker’s Tax Analysis for the Knoxville area. Qualified candidates must have LENDER and Buker’s Financial Statement Analysis software, a minimum of 5 years’ commercial lending experience prepares annual review of ACH/vendor relationships, Middle Tennessee community bank is seeking an in all business type lending; bachelor’s degree or higher experienced business banker/commercial lender in and participates with loan officers in outside calls on in business/finance or advanced banking education is existing and potential customers. Applicants must Davidson, Rutherford, Sumner, and Wilson counties. preferred. Candidate responsible for developing new Qualified applicant should have 5 or more years of have excellent financial analytical abilities, strong business; underwriting, structuring, and closing loans; communication skills, and strong computer skills. experience in small business/commercial lending. maintaining and servicing existing portfolio. Candidate Bachelor’s degree in finance or related field is preferred Bachelor’s degree in business or finance is preferred or must possess excellent oral/written communication skills equivalent work experience. Previous banking experi- but experience or trained professional in specified field and proficient computer skills. Must have the ability to shall be considered. Applicant will be required to pos- ence is highly desirable, with appropriate knowledge of market the bank’s products/services and represent the consumer and commercial lending. Apply via E-mail sess solid credit analytics, good work ethic, strong sales bank through participation in local community events. ability, and clear communication skills. Serious and to [email protected] or mail to: FCB Human Excellent benefits package—employee only medical, Resources, PO Box 820, Rogersville, TN 37857. Please qualified applicants please e-mail resumes to ppowlas@ dental, vision, disability paid at 100%; 401(k); and much TNBankers.org with “Employment 1412-4” in subject identity the position for which you are applying. AA/ more. Qualified candidates only; complete an on-line ap- EEO employer. line or mail to: #1412-4, c/o Penny Powlas, Tennessee plication at www.tnstatebank.com. Tennessee State Bank Bankers Association, 211 Athens Way, Suite 100, is an Equal Opportunity Employer of women, minorities, Nashville, TN 37228-1381. 1502-3 COMPLIANCE ASSISTANT protected veterans, and individuals with disabilities. CapitalMark Bank & Trust has an immediate opening 1412-3 CREDIT RISK MANAGER to fill the compliance assistant role in Chattanooga lo- 1501-5 MORTGAGE SERVICING ASSOCIATE cation. This position, which reports to the compliance CapitalMark Bank & Trust has an immediate opening Servicing mortgage loans: collections, loss mitigation, and for a credit risk manager. This position will be located director, will perform periodic reviews of compliance customer service. Candidate must have strong communica- and CRA-related responsibilities and assist with in the Chattanooga, TN, office and will support the tions & negotiating skills. Mortgage document knowledge lending and credit administration management func- administrative and clerical duties in support of the and collections experience preferred, with bilingual (Span- compliance department. Responsibilities include, but tions of the bank. Responsibilities include analysis ish) abilities a plus but not required. Send resume, cover of financial statements, developing projections, and are not limited to, the following: monitor day-to-day letter, and salary expectations to [email protected]. performance of associates for adherence to established preparing underwriting documents relating to all policies and procedures, specifically those related to commercial loan types. Duties also include review lending and deposit products; review new loans to 1501-4 REAL ESTATE MARKETING & CONSTRUC- of complex account relationships to determine risk identify qualified community development loans; assist TION ADMINISTRATION grade and ensure adherence with bank policies and with completion of compliance-related risk assess- Bank of Camden’s Knoxville office is seeking professionals procedures. Candidate must be proficient in global ments; assist with audits and reviews process to include with experience in residential & commercial property cash flow analysis with background in underwriting review of management’s response and resolution of management, construction admin, remodeling, contracts, skilled nursing facilities, and residential/commercial outstanding items; assist with compliance training and leasing. Applicants must be assertive, detail oriented, construction considered a plus. Prefer bachelor’s continued on next page

Tennessee banks and associate members may list positions free-of-charge as a benefit of their membership in the Tennessee Bankers Association. Those interested in placing an ad or replying to position openings (refer to position number) should direct their inquiries to: Penny Powlas - [email protected], Tennessee Bankers Association, 211 Athens Way, Ste 100, Nashville, TN 37228-1381 • 1-800-964-5525 or 615-244-4871

MARCH/APRIL 2015 | THE TENNESSEE BANKER 57 Employment continued degree in accounting, finance, or economics. A min- team for purposes of establishing and implementing competitive compensation and full benefits includ- imum of 3 years’ credit analysis and/or loan review the industry team’s agenda and strategic goals. Pri- ing medical, dental, vision, health savings accounts, experience, preferably within the banking industry, is mary responsibilities include coordinating meetings of flexible spending accounts, life insurance, long–term strongly desired. Requires proficiency in Microsoft industry team steering committee as well as client and disability, and 401(k). Qualified candidates may sub- Excel and related software. Ideal candidate must be industry sector teams; directing the production of client mit their resume via e-mail to [email protected]. able to work in a fast-paced environment, meet strict pitches/presentations; developing, in conjunction with Reliant Bank is an Equal Employment Opportunity/ deadlines, and communicate effectively with internal the attorneys and marketing department, responses to Affirmative Action Employer. and external clients. Work requires judgment and is RFQs and RFPs; coordinating and managing industry performed generally according to standard procedures specific blogs, CLEs, and related content; developing 1410-5 INFORMATION MANAGEMENT SPECIALIST with minimal supervision. Interested candidates and managing allocation of the budget for the industry CapitalMark Bank & Trust has an immediate open- should send a resume and letter of interest to: Human team; and other duties as required. ED will lead chair ing for an information management specialist. This Resources, CapitalMark Bank & Trust, PO Box 671, and industry team steering committee in drafting and position will provide support related to computer Chattanooga, TN 37401 or to HumanResources@ implementing a strategic business plan; direct market systems, including end-user devices as well as servers, capitalmark.com. research to identify qualified prospects; report on in- network hardware, and related applications. Key dustry conditions with recommendations for targeting; responsibilities include assisting with management 1412-1 COMMERCIAL AND RESIDENTIAL and identify appropriate pursuit teams specific to each of the information technology system, monitoring opportunity. In addition, this individual will expand LENDING - ALL POSITIONS applications for performance and reliability, and the firm’s network of contacts within the identified Bank of Camden, consistently ranked as one of the handling end-user support issues. Position involves industry sectors; facilitate meetings between attorneys top performing community banks in the US, is seek- understanding and applying regulatory requirements and external industry decision makers; develop, manage, ing commercial & residential lending personnel for to bank information technology and communicating and maintain relationships with clients, prospects, and Knoxville office. Positions available include portfolio with auditors and examiners, as needed, regarding peers that lead to new revenue growth; and participate manager, loan administration, special assets manager, associated risks. Bachelor’s degree or equivalent in continuing education to remain aware of activities credit analyst, remarketing, and loan servicing/col- certifications and information technology experience and developments in the financial services industry. lections. Candidates should have relevant financial required. Experience with SQL server and other Bachelor’s degree required, preferably in business or industry experience. Urgency and attention to detail database server applications required. Excellent sales and marketing. Prefer management–level experi- is required. Please e-mail resume, cover letter, & salary written/verbal communication, attention to detail, ence in the financial services industry with prior success expectations to [email protected]. and exceptional client service skills are essential. converting business development opportunities into Limited travel involved. The ideal candidate must sales. Requires minimum 5-year track record in legal/ be able to work in a fast-paced environment, be 1411-6 SPECIAL ASSETS MANAGER professional services-related or solutions-based sales; dependable, meet strict deadlines, and possess the Growing and profitable East Tennessee bank seeks network of contacts that can be leveraged to firm’s flexibility and knowledge to handle various tasks. seasoned special assets manager. Candidate should benefit; proven track record of working effectively with This position will be located in Chattanooga and have extensive knowledge of loan/legal documents organizations having complex structures and diverse report to the Operations/Technology Group Head. and financial statements. Experience should include workforces; a professional attitude and approach; abil- Interested candidates should send a resume and letter successful management of performing and non- ity to travel as business requires. Must have working of interest to: Human Resources, CapitalMark Bank performing commercial real estate loans. Urgency knowledge of legal or professional services concepts and & Trust, PO Box 671, Chattanooga, TN 37401 or and attention to detail are required. Please e-mail be articulate in both written and oral communications. to [email protected]. resume, cover letter, & salary expectations to bank. Requires ability to drive a multifunctional team through [email protected]. a consultative selling process; to interact effectively at 1410-4 LOAN PRODUCTION ASSOCIATES high levels within client organizations; to identify and BancAccess, Inc., a multi–community bank–owned 1411-5 COMMERCIAL LOAN OFFICER capitalize on client needs as well as provide feedback on company created to provide loan referral services Areawide Development Corporation is seeking an client and market demands; to work productively and to its owner banks, seeks full-time and part-time experienced commercial loan officer, preferably with collaboratively with multiple contacts at multiple levels, loan production associates. Preferred applicants will government lending experience. ADC is a provider of rather than relying upon a single champion. Interested have developed prospecting skills and a proven track SBA, USDA, and other government lending products and qualified candidates should apply online at https:// record of loan production. Responsibilities include, located in Alcoa, TN. Duties of the position include app.smartsheet.com/b/form?EQBCT=3cb2e07533b- but are not limited to, relationship development marketing the loan programs to potential borrowers, 14c06a38f8ea3bdadb803. with community banks and commercial borrowers. obtaining loan information, spreading and analyzing Compensation package includes base salary plus a financial information, presenting loan packages to 1410-7 MORTGAGE LOAN OPERATIONS SPECIALIST percentage of monthly interest income from loans loan committee, preparing loan application packages, Reliant Bank is a fast-growing community bank locally produced for the life of the loan with no income seeing loans through approval, and closing of loans. owned and operated in Brentwood, TN. We are current- cap. Interested candidates should submit a cover Basic qualifications include: minimum of 3 years in ly seeking a loan operations specialist to join the Reliant letter and resume to [email protected]. commercial lending, including credit training and Bank mortgage services team. This is an excellent proven success in developing new business; degree opportunity for a motivated professional to work in a 1409-4 MORTGAGE LOAN ORIGINATOR – in business, economics, or finance a plus; ability to challenging and rewarding environment. This nonex- maintain effective relationships with lending partners empt position reports to the assistant vice president, loan CHATTANOOGA, KNOXVILLE, & COOKEVILLE, TN – and customers; strong verbal and written communi- operations officer. This position provides operational ATLANTA, GA cation skills with the ability to communicate with support to the day-to-day mortgage loan transaction The mortgage loan originator will originate loans all levels internally and externally. Local travel and processes including data entry, tracking, and verification; and work with customers to meet their financial some overnight travel required. Qualified individuals ensures that mortgage loan documentation is maintained goals. Help customers by partnering with them and please submit resume by e-mail to [email protected]. properly; and provides support to various areas of assisting them through the mortgage lending process. No phone calls please. EEO/AA/F/Vets/Disability mortgage regarding mortgage loan operations. Acts as Listen to what works best for the clients and help backup administrator for loan platform including ad- them assess the impact on them of their mortgage 1411-4 EXECUTIVE DIRECTOR ministration requirements, product changes, software re- decision will have on them. 2+ years of experience Waller, a law firm based in Nashville, TN, is seek- visions/enhancements. Assists senior operations officer as a Mortgage Loan Originator, preferably working ing an executive director (ED) for their Financial & compliance officer with consumer compliance, safety with a residential mortgage lender. Qualifications: Services Industry Team. The executive director is and soundness examinations, and records retrieval. Col- book of business preferred; high school diploma re- responsible for helping to position the firm and the lege degree or equivalent professional experience in loan quired; proficient with lending compliance standards industry team as a leader in the marketplace and for servicing or operations preferred, Attention to detail and regulations; excellent customer service approach; developing qualified opportunities from prospective and accuracy of work is essential. Requires good general computer savvy with software experience preferred; and existing clients that have the highest potential to math and analytical skills, strong Microsoft Word and excellent written and verbal communication skills, generate new business. The ED will work with the Excel skills, and the ability to input and retrieve data including professional demeanor; strong organiza- firm’s marketing department to generate qualified op- in various systems; discretion in handling confidential tional skills with strict attention to detail. portunities based on the business plan developed by information and sensitive documents. Must demonstrate FSGBank is an equal opportunity employer and does the industry team and the ED. This position reports a commitment to accuracy and quality while meeting not discriminate on the basis of race, color, gender, via dotted line to the client service and development deadlines. Requires strong organization skills, ability religion, age, sexual orientation, national or ethnic partner for the purpose of coordinating efforts among to communicate effectively through both written and origin, disability, marital status, veteran status, or any other executive directors at the firm and will report oral formats, ability to multi-task and prioritize, and other occupationally irrelevant criteria. Qualified indi- directly to the chair of the financial services industry excellent customer service skills. Reliant Bank offers viduals please submit resumes to [email protected]. ■

58 THE TENNESSEE BANKER | MARCH/APRIL 2015 Professional Development Calendar

March 10, 11, 12, 26 April 22 July 14, 15 Tennessee Deposit Account 2014-2015 Senior Human Workshop for Loan Assistants Administration Resources Forums – Session 2 of 3 and Loan Processors Jackson, Knoxville, Kingsport, TBA Barrett Training Center, Nashville Knoxville, Nashville Nashville April 23 July 16 March 24 & 25 2014-2015 Senior Compliance 2014-2015 Senior Human Human Resources Conference Officer Forums – Session 3 of 4 Resources Forums Embassy Suites Hotel & Conference TBA Barrett Training Center, Nashville – Session 3 of 3 Center, Murfreesboro April 26–28 TBA Barrett Training Center, Nashville March 24 & 25, 26 & 27 Leadership Convention July 17 NEW Understanding and The Peabody Memphis, Memphis IT/Operations Officer Forums Implementing the New April 28, 29, 30 – Session 2 of 3 Integrated Disclosure Rules CEO Forums – Session 2 of 3 TBA Barrett Training Center, Nashville Nashville, Knoxville TBA Gilliam Board Room, Nashville July 19–24 March 31 May 7 Concurrent Sessions 2014-2015 Senior Compliance IT Audit for Financial Institutions The Southeastern School of Officer Forums – Session 2 of 4 TBA Barrett Training Center, Nashville Banking I & II TBA Barrett Training Center, Nashville Belmont University, Nashville May 11–13 March 31 Washington Conference August 10, 11, 12, 13, 14, 19, 20 Branch Management Series Capital Hilton, Washington, DC Membership Meetings – Session 1 of 4 Cookeville, Chattanooga, Nashville, May 13 TBA Barrett Training Center, Nashville Jackson, Memphis, Kingsport, Knoxville 2014-2015 Risk Management April 1 Officer Forums – Session 3 of 3 August 11 Introduction to Banking TBA Barrett Training Center, Nashville 2014-2015 Senior Compliance TBA Barrett Training Center, Nashville Officer Forums – Session 4 of 4 May 13, 14, 15 TBA Barrett Training Center, Nashville April 1 2014-2015 Senior Lender Forums 2014-2015 Retail Banking – Session 3 of 3 August 19 Officer Forums – Session 2 of 3 TBA Gilliam Board Room, Nashville NEW Loan Portfolio TBA Barrett Training Center, Nashville Management: The Key to May 17–22 Success in 2015 and Beyond April 2 The Southeastern School TBA Barrett Training Center, Nashville IT/Operations Officer Forums of Commercial Lending – Session 1 of 3 TBA Barrett Training Center, Nashville August 20 & 21 TBA Barrett Training Center, Nashville Internal Bank Audit and Risk June 7–9 Assessment School April 7 & 8 125th TBA Annual Meeting TBA Barrett Training Center, Nashville BSA/AML Compliance School The Greenbrier, Nashville Airport Marriott, Nashville White Sulphur Springs, WV August 24, 25, 26, 27 BSA/AML Compliance April 9 & 10 June 24, 25, 26 Management Strategic Technology Conference CFO/Controller Forums Kingsport, Knoxville, Jackson, Nashville Embassy Suites Hotel & Conference – Session 2 of 3 Center, Murfreesboro TBA Gilliam Board Room, Nashville NOTE: April 21 June 25 While this calendar represents Safe Deposit Legal Updates Branch Management Series current programs for 2015 scheduled by and Compliance – Session 2 of 4 TBA at print time, occasionally other “hot topics” are added to the calendar throughout TBA Barrett Training Center, Nashville TBA Barrett Training Center, Nashville April 22, 23, 24 the year. We encourage you to look at the June 25 monthly calendar in The Tennessee Banker NEW Basic Personal & Business Introduction to Commercial Tax Return Analysis magazine and visit www.TNBankers.org for Lending the most current information about TBA Knoxville, Nashville, Jackson Hilton Memphis Hotel, Memphis events and programs.

MARCH/APRIL 2015 | THE TENNESSEE BANKER 59 First National Bankers Bank PROVIDING A SAFE, NON-COMPETITIVE ENVIRONMENT FOR COMMUNITY BANKS FOR MORE THAN 30 YEARS

For more than 30 years, community banks have found FNBB to be a non-competitive ally that they can rely on year after year. First National Bankers Bank has been a consistent, trusted partner providing correspondent banking services to our shareholders and customers. With service beyond comparison, we have proudly supported the banks we serve and will continue to help them achieve their goals well into the future.

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Cash Management Services Bond Accounting Loan Review Image Exchange Network Safekeeping Compliance Audit Services Fed Funds Broker Dealer / 401K Services Internal Audits International Services Bank Owned Life Insurance IS Audits Investment Sales Loan Participations Insurance Products and Services Asset Liability Management Holding Company Loans

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