First National Bankers Bank

THE TENNESSEE BANKER Volume 102 • Number 8 • August 2014

Presenting the 2014-2015 Chairman William B. Marsh First Commerce Bank, Lewisburg

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Published monthly by the Tennessee Bankers Association OFFICERS Colin Barrett / Editor William B. Marsh / Chairman First Commerce Bank, Lewisburg Dianne W. Martin / Managing Editor Jennifer D. Bennett / Graphic Designer David Verble / Chairman-elect Citizens National Bank, Sevierville Volume CII / Number 8 / August 2014 Gordon Majors /Vice Chairman The Hardin County Bank, Savannah

Contents STAFF THIS MONTH Administration 124TH ANNUAL MEETING COVERAGE Colin Barrett / President Election of New Officers & Directors...... 12 Stacey Langford / Senior Vice President of Membership Business Sessions...... 14 Dessert Party and Tribute to Brad Barrett...... 16 Steve Curtis / Vice President of Information Technology Thank You to Our Sponsors...... 17 Sharon Justice-McCray / Vice President Golf Tournament Winners...... 20 of Human Resources & Facilities Exhibitors and Exhibit Hall Photos...... 22 Penny L. Powlas / Executive Assistant, Photo Album...... 26 Administration / Legal August Membership Meetings – Will Your Bank Be There?...... 7 T’Lanie Luu / Member Services Specialist ABA and AARP Commit to Fight Financial Abuse of Older Americans...... 9 Sandra Johnson / Training Center Independent Bankers Division Convention Set for October 30 & 31...... 11 Coordinator BankPac Campaign on Track to Set New Records...... 32 Accounting / Insurance TBA Compliance Conference—The Challenge of Change...... 35 Angela D. Griffin, CPA / Executive Vice President / CFO SouthEast Bank and EverFi Honor Students Completing Financial Mike Ailinger / Staff Accountant Scholars Program...... 38 Shemeka Greer / Accounts Receivable Southeastern Institute for IRA Training...... 40 Clerk BSA/AML Compliance Management Will Cover Recent Changes...... 42 Felisha Gatlin / Accounts Payable Clerk Legal / Government Relations DEPARTMENTS Timothy L. Amos / Executive Vice FROM THE EXECUTIVE OFFICE—Colin Barrett President / General Counsel New Association Year Begins with Look Back, Look Ahead...... 6 Amy Smith / Senior Vice President / Deputy Counsel WASHINGTON UPDATE—Governor Frank Keating Fighting Elderly Financial Abuse...... 8 Education Debbie M. Brickles / Senior Vice President FROM THE TOP—John Buhrmaster of Training and Development Islands of Opportunity...... 11 Susan R. Taylor, CMP / Senior Vice ON THE HORIZON—Enterprise Risk Management; Training the Credit Analyst; President of Professional Development Basic Consumer Lending; IRS Reporting for Financial Institutions...... 43 Monique Jenkins / Education Services Specialist Bank Notes / Community Corner / Promotions...... 44 Employment Opportunities...... 55 Communications Dianne W. Martin / Vice President / Actions of Bank Regulatory Agencies...... 58 Director of Communications TBA Professional Development Calendar...... 59 Jennifer D. Bennett / Assistant Director of Communications Lila Griffin / Proofreader

On the Cover The Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers Association, 211 Athens Way, Ste 100, Nashville, TN 37228-1381; telephone 615-244- TBA 2014-2015 Chairman Bill Marsh, First Commerce 4871. Advertising rates available upon request. Subscriptions: $40.00 per year for TBA Bank, Lewisburg, and wife Carol in the lobby of members; $55.00 for nonmembers; single copies, $6. Tennessee residents add 9.25% The Breakers, headquarters for the 124th Annual sales tax. Periodical postage paid at Nashville, Tennessee. POSTMASTER: send address changes to The Tennessee Banker, 211 Athens Way, Ste 100, Nashville, TN 37228-1381. Meeting. Convention coverage begins on page 12. Copyright © 2014, Tennessee Bankers Association; all rights Photo © LILA PHOTO, Palm Beach, FL. reserved. The Tennessee Bankers Association disclaims all responsibility for opinion expressed in addresses, papers, or communications published in The Tennessee Banker unless such opinion has been endorsed by the Tennessee Bankers Association.

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die10088-05_BranchPerform_TennesseeBankr_v01AR_20140408.indd 1 4/9/14 11:16 AM From the Executive Office New Association Year Begins With Look Back, Look Ahead By Colin Barrett, President, Tennessee Bankers Association

ummer is always a time of reflec- Three suggestions for this month: tion and transi- S PPAs you head to the polls for the August primaries, tion for the Tennessee please vote for those who understand the value of a Bankers Association—a strong banking industry and the role banking plays time when we look in the future of Tennessee. back and look ahead, when we acknowledge PPAugust is a special time of year as we induct the and enjoy our successes newest honorees into the Leaders in Banking while also rolling up our Excellence. Plan to join us at 11:00 am on August 21 sleeves to get started on in the TBA Barrett Training Center as we welcome addressing the challeng- our newest LBE recipients. es facing our industry PPSince 1999, Bankers Title of East Tennessee and and seizing the opportu- Title Center of the South have sold $26 million in nities ahead of us. title insurance through the TBA endorsed programs, That in a nutshell de- resulting in $9.6 million in dividends to Tennessee scribes the atmosphere owner banks. Learn more by contacting Norma at the TBA’s 124th An- Carroll at 865-384-7846 or [email protected]. nual Meeting, when we officially kicked off our new association year June 10 with Jeff Agee passing the 150th anniversary as the oldest bank From Jeff’s tenure as president chairman’s gavel to Bill Marsh. It in the state. of the TBA Young Bankers Divi- was a great meeting, and I want to Looking back on Jeff’s tenure as sion to his term as TBA chairman, thank so many of you who joined chairman, it’s clear that he provided he has been recognized as a leader us at The Breakers. With almost highly effective leadership on a num- in Tennessee banking, and his sin- 600 bankers, our convention con- ber of fronts. And from conversations gular focus was on strengthening tinues to be one of the largest I had with bankers across Tennessee, I the association to best serve the industry gatherings in the country. know you agree with that assessment. interests of the Tennessee banking The camaraderie that exists On a personal note, Jeff has been a industry. That is no small task, and among Tennessee bankers—rep- great mentor and friend, always just a chairing a large association such resenting both small community quick phone call away, and he helped as ours takes a true commitment banks and larger members and new me tremendously during my first year and a great investment of personal and longtime members—is the rea- as president. time. Jeff and Jolie, as well as their son we continue to be a successful In 2011, when Jeff was elected children, India and Franklin, are a association. It was great having vice chairman, he knew he would be part of the TBA family, and I want Dana Stonestreet from HomeTrust overseeing the association as it went to thank them for their service and Bank in North Carolina, one of through a transition to a new TBA unselfishness. our newest Tennessee banks, join president—a transition that had oc- While we accomplished much in us along with Bryan Jordan of First curred only three other times in the the past year, we have much work Tennessee, which is celebrating its past 124 years. in front of us, and the chairman’s

6 THE TENNESSEE BANKER | AUGUST 2014 gavel is in great hands. I am excited bank from fraud. In addition, we It will have been 10 years since to welcome Bill Marsh, chairman will preview the upcoming elections the TBA last visited The Greenbrier, and CEO of First Commerce Bank and their potential impact on banking and while the resort still maintains in Lewisburg, as your 2014-2015 legislation that is currently moving its Southern charm, it has been TBA chairman. through Congress. renovated with new restaurants, Bill has already hit the ground I look forward to working with shops, activities for the children, running, and I look forward to Bill, right up to the time next year and even a casino. Your TBA staff joining him and the TBA staff as we when it’s his turn to pass the gavel. is already hard at work to make the travel across the state August 4-12 And on that note, I want to encour- 125th Annual Meeting of the TBA to discuss the future of Tennessee age you to start planning for the the best yet. banking at our regional member- 125th Annual Meeting. This is truly As always, thank you for your ship meetings. We will take an in- a historic time for our association, continued support of the TBA, and depth look at the findings from the and we would enjoy having every I look forward to seeing you at a Independent Division’s credit union Tennessee bank represented at the membership meeting this month. ■ study, discuss the new Regulatory convention. There isn’t a better venue Feedback Initiative, and hear from to celebrate such a milestone than Financial Products and Services The Greenbrier in White Sulphur about products to protect your Springs, WV.

August 4 August 7 Cookeville 2014 Knoxville - Knoxville Marriott Leslie Town Centre MEMBERSHIP August 8 August 5 M EETINGS Nashville - TBA Chattanooga Barrett Training Center The Chattanoogan August 11 August 6 Jackson - Suites of LaRue Kingsport August 12 Meadowview Conference Center Memphis - Memphis Country Club

oin TBA Chairman Bill Marsh along with HIGHLIGHTS: J association executives this August for our annual H TBA Overview and What’s on the Horizon membership meetings. These luncheons offer a valuable H Election Update opportunity to meet with our staff, visit with friends, H Credit Union Study H Regulatory Feedback Initiative discuss current issues facing the Tennessee banking H New Fraud Protection Products industry, and receive updates on the most recent initiatives H TBA Education Programs undertaken by the TBA. Each meeting begins at 11:30 am and concludes at 1:00 pm, with lunch included. REGISTER TODAY! H Registration is $35 2014 MEETINGS H Register online at www.TNBankers.org SPONSORED BY: H For more information, contact Penny Powlas at [email protected] or 615-244-4871x115

AUGUST 2014 | THE TENNESSEE BANKER 7 Washington Update Fighting Elderly Financial Abuse By Frank Keating, President and CEO, American Bankers Association

lderly financial abuse is being As a result of these trends, fraud- the bank—behaviors that may identify called the “crime of the 21st sters—who are often, sadly, a victim’s whether or not a customer is vulnerable E century.” Financial fraud and family members or caregivers—are or currently a victim of financial abuse. related crimes that victimize older using new tactics to take advantage of We also offer online training for Americans also represent a twist on the growing number of older Americans. frontline employees in a course on Willie Sutton’s last-century reason Senior financial abuse is estimated to “Elder Financial Abuse,” which points for robbing banks: Because that’s cost victims at least $2.9 billion annu- out the signs and symptoms of elder where the money is. ally, according to a 2011 study. abuse and how to act on behalf of an People over 50 years old control Older Americans who may have elderly person who is being victimized. more than 70 percent of the nation’s disabilities or rely on others for help are This course teaches frontline staffers wealth. The 2010 Census reported most susceptible to scams and other fraud. how to protect a senior’s self-esteem as the greatest number and proportion As part of banks’ roles as guardians of well as his or her means of subsistence of people aged 65 and older in census people’s money, we think it’s important when employees suspect that an elderly history: 40.3 million or 13 percent of and appropriate for the banking industry person is being harmed financially. the total population. to take the lead in preventing elderly More recently, AARP and ABA’s By 2050, people aged 65 and older financial abuse. Community Engagement Foundation are expected to comprise 20 percent We have encouraged both bankers announced in June their intentions of the total US population. The fast- and their customers to understand and to work together to protect older est-growing segment of America’s recognize the warning signs and take Americans from financial abuse and population consists of those 85 and precautionary measures to protect seniors exploitation as part of a commitment up. In 2010, there were 5.8 million and their bank accounts. Bank employees to the Clinton Global Initiative. people aged 85 or older. By 2050, are trained to notice red flags like unusu- Our planned efforts with AARP will there will be a projected 19 million al recent withdrawals or a new person help us provide bankers, older Ameri- people aged 85 or older. accompanying the older customers to cans, and their caregivers with the tools they need to thwart financial crimes. We will conduct research on fraud, financial caregiving, and age-friendly banking; create resources for bankers to discuss prevention of fraud against older Americans; help banks make branches age-friendly; and mobilize bankers in communities across the country to educate older Americans and their caregivers about ways to protect their assets during retirement. This is on top of innovative and successful programs that many banks and state associations already have in place to protect older customers. By taking our collective fraud prevention REGISTRATION efforts to the next level, I’m hopeful the industry can, together, fight this OPENS AUGUST 1! growing 21st–century crime. ■ Learn more online at: © 2014 American Bankers Associa- www.aba.com/Engagement/Pages/ tion. All rights reserved. Reprinted getsmartaboutcredit.aspx with permission.

8 THEAmerican TENNESSEE Bankers BANKER | AssociationAUGUST 2014 Get Smart About Credit Social Media Guide ABA and AARP Commit to Fight against Financial Abuse of Older Americans

arlier this summer, the Amer- “Banks play a critical role in protect- and avoid scams, AARP’s initiatives ican Bankers Association’s ing the financial security of older Amer- on caregiving, AARP Foundation’s E Community Engagement icans and their families,” said Debra ElderWatch and ABA’s youth financial Foundation and AARP announced Whitman, AARP executive vice president education campaigns.” said Corey their intentions to work together for policy, strategy, and international Carlisle, ABA senior vice president, to protect the financial security of affairs. “AARP hopes to work with the bank community engagement. older Americans through a planned American Bankers Association to help The first year of the commitment Commitment to Action through the banks become more attuned to the needs is expected to focus on gathering Clinton Global Initiative (CGI). They of their customers as they age.” information, including surveys and anticipate a two–year pledge that will As part of the expected commitment, collection of information on existing focus on protecting older Americans AARP and ABA will conduct research practices, and the development of new from financial abuse and exploitation. on fraud, financial caregiving, and materials to help educate banks and According to a MetLife study of elder age-friendly banking; create resources consumers. During the second year, financial abuse, older adults lose $2.9 for bankers to discuss prevention of ABA and AARP envision a nationwide billion each year to fraud. fraud against older Americans; help campaign with the goal of reaching “America’s aging population will banks make branches age-friendly; and 1 million older Americans and their transform the way banks provide mobilize bankers in communities across financial caregivers. financial services to their customers,” the country to educate older Americans The Clinton Global Initiative was said Frank Keating, ABA president and their caregivers about ways to pro- established in 2005 by President Bill and CEO. “Our planned alliance with tect their assets during retirement. Clinton. CGI brings together glob- AARP will help us provide bankers, “AARP and ABA’s proposed col- al leaders to create and implement older Americans, and their caregivers laboration for age-friendly banking solutions to the world’s most pressing with the tools they need to thwart complements AARP’s Fraud Watch challenges. ■ financial crimes.” Network’s efforts to help people spot

“Banks play a critical role in protecting the financial security of older Americans and their families”

AUGUST 2014 | THE TENNESSEE BANKER 9 ICBA_6110 Bancard Ad_Layout 1 1/8/14 9:29 AM Page 4

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ne of the greatest privileges Those encounters reminded me of you and your community bank are of serving as your ICBA coming upon an oasis in a desert. This doing in your community, knowing O chairman is having the comes as no surprise, as we all know how how our industry’s efforts together opportunity to attend dozens of state community banks serve as the financial are making people’s lives better in so conventions and drop in on many lifeblood of their communities both large many different ways throughout the community banks across the country. It and small. My personal observations are nation. We have all seen it firsthand: is an honor to be able to visit so many simply more proof. There’s no doubt Community banking is truly a noble of your states—and if I’m lucky, your that community banks drive our nation’s profession of people helping people. hometown—to meet you, my fellow economy by lending locally and creating So if you happen to see a 2005 community bankers, the very people jobs. And the numbers back that up. Ac- Ford Explorer with New York license at the heart of our nation’s economy. cording to the FDIC, community banks plates parked next to you at your state Over the past three years while under $10 billion provide nearly 60 convention, remember how much fun serving on ICBA’s Executive Commit- percent of small business loans between I am having touring the country and tee, I have traveled by planes, trains, $100,000 and $1 million. proudly stopping at small businesses and automobiles to your respective Today, as you read this column a that began with a dream and a com- states, and I am looking forward to community bank is closing on a loan munity bank loan. That old Ford several more trips over the next 18 somewhere that will help someone is a great example: purchased at a months. While flying cross-country realize his or her dream of owning a business started with a community may seem like the best option for me, business. And who knows, that small bank loan, serviced by a mechanic my favorite way to travel is by car. business could turn into a future For- with a community bank line of credit, My road trips so far have included tune 500 company. and driven by a community banker destinations to great places like Bar I am proud to be a part of ICBA, whose little oasis of a bank has been Harbor, ME; Maryville, TN.; Lin- the only national association entirely making dreams come true for four coln, NE; and Winfield, AL. I have dedicated to community banks and generations—with the help of our been struck by how each time I have preserving our ability to help small good friends at ICBA. ■ spotted a community bank that it has businesses whose success is so closely been surrounded by other vibrant aligned with ours. Every day ICBA staff- John H. Buhrmaster is president of 1st small businesses. ers come to work to support the good National Bank of Scotia, in Scotia, NY.

ach year, community 2014 Tennessee Bankers Association bankers from across the E state come together at the Independent Bankers Division Convention. The afternoon of the • • • • • • • • • first day includes a special session on Tennessee’s community banking October 30 & 31 landscape, followed by a reception Independent Bankers Division for all convention participants. The DoubleTree by Hilton Hotel Nashville Downtown general session on the following morning covers current issues of Forc moreo informationn aboutv thise program,n contact:t i o n interest to community banks and Susan R Taylor, CMP - [email protected] Senior Vice President of Professional Development includes the election of division 800/964-5525 or 615/244-4871 or www.TNBankers.org officers and directors.

AUGUST 2014 | THE TENNESSEE BANKER 11 The Tennessee Bankers Association 124th Annual MEETING Event Recap

Bill Marsh Installed as 2014-2015 TBA Chairman

elegates to the 124th Annual • Chairman-elect Meeting of the Tennessee – David C. Verble, D Bankers Association, held president and CEO, June 8–10 at The Breakers in Palm Citizens National Beach, FL, elected new officers and Bank, Sevierville, directors during the Tuesday morning TN business session. The bankers join • Vice Chairman existing board members to guide the – Gordon Majors, association in 2014-2015. president and CEO, William “Bill” Marsh, president The Hardin County and CEO of First Community Bank Bank, Savannah, TN in Lewisburg, was installed as the • Immediate Past new chairman in ceremonies during Chairman – Jeffrey the closing banquet on Tuesday D. Agee, president evening, accepting the gavel from and CEO, First Citi- the 2013-2014 chairman, Jeff Agee, zens National Bank, president, CEO, and director of First Dyersburg, TN.

Citizens National Bank, Dyersburg. Agee will remain © LILA PHOTO Almost 600 members of the state’s a member of the as- banking industry, associate member, sociation’s board of Bill Marsh accepted the chairman’s gavel from Jeff Agee, and guests attended the convention. directors for the next outgoing chairman. Executive officers elected for three years to help 2014-2015 are: ensure continuity of leadership. on the TBA board. New directors are: • Chairman – William B. Marsh, Delegates to the convention also elected • East Tennessee – R. Lynn Ship- chairman and CEO, First Commerce directors from each of the three grand divi- ley, Jr, president and CEO, TriSummit Bank, Lewisburg, TN sions of the state to serve three-year terms Bank, Kingsport, TN

12 124TH ANNUAL MEETING | AUGUST 2014 • Middle Tennessee – Phillip L. Craw- ford, president and CEO, First Farmers and Commercial Bank, Pikeville, TN • West Tennessee – Michael E. Cary, president and CEO, Carroll Bank and Trust, Huntingdon, TN In addition to the directors serving three- year terms, delegates also selected West Tennessee banker, H. McCall Wilson, Jr, to fill two years of an unexpired term that became vacant with Majors’ election to vice chairman. Wilson is president and CEO of The Bank of Fayette County, Piperton, TN. With the election of the new regional directors, three directors rotated off of the board. Completing their terms of service were: © LILA PHOTO • C. David Allen, president and CEO, Members of the 2014-2015 TBA executive committee are (L-R) Vice Chairman First National Bank, Lenoir City Gordon Majors, Chairman William B. Marsh, Immediate Past Chairman Jeff • Ronald L. Samuels, chairman, presi- Agee, and Chairman-elect David C. Verble. dent, and CEO, Avenue Bank, Nashville • Bruce Hamblen, chairman, president, and CEO, Farmers & Merchants Bank, Adamsville Continuing their terms on the board are: • Allen McClary, president and CEO, UBank, Jellico • Tim Pettus, president, First Farmers and Merchants Bank, Columbia • Hunt Campbell, chairman, president, and CEO, First Alliance Bank, Cordova • Ron DeBerry, president and CEO, Commerce Union Bank, Springfield • J. Lee Stewart, president, Southern Heritage Bank, Cleveland © LILA PHOTO • M. Terry Turner, president/CEO, Pinnacle Bank, Nashville As TBA’s governing body, members of the board are always available for members to share questions, thoughts, or suggestions concerning the TBA and the banking industry. Visit the TBA website, www.tnbankers.org/about, for a list of the entire TBA board. ■

Middle: Bill Marsh received his chairman’s pin from wife Carol.

Bottom: New directors elected by delegates are Michael E. Cary, H. McCall Wilson, Jr, R. Lynn Shipley, and Phillip Crawford (in- set), who was unable to attend this year’s Annual Meeting.

AUGUST 2014 | 124TH ANNUAL MEETING 13 Annual Meeting Business Sessions

he core of every TBA Annual The final speaker of the morning was he visited Nashville, Memphis, Knox- Meeting is the business portion D. Bryan Jordan, chairman, president, ville, and several smaller communities T of the program. This year, the and CEO of First Horizon National in Tennessee. Keating wanted to two morning business sessions fea- Corporation, which is celebrating its see how a landlocked state was so tured a particularly strong lineup of 150 anniversary this year. Jordan’s topic prosperous. Chief among his find- speakers and topics. was Past Success, Current Challenges, ings were educational reforms, that Future Opportunities. Tennessee is a right-to-work state, Monday Business Session and the number of four-lane roads TBA Chairman Jeff Agee called Tuesday Business Session connecting communities. He took the 124th annual business program When the Tuesday session got un- those ideas back to Oklahoma to to order at 9:00 on Monday, June derway, Frank Keating, president and implement. 9. Agee, president and CEO of First CEO of the American Bankers Asso- Among the topics Keating dis- Citizens National Bank in Dyersburg, ciation, was the first speaker. Keating cussed in his presentation were Oper- welcomed delegates and delivered thanked Tennessee bankers for their ation Choke Point, credit unions, QM introductory remarks. strong support of the ABA and their loans, and the importance of unity. The first speaker was James Bull- response whenever ABA or TBA issues Leadership in the Midst of Chaos ard, president and CEO of the Federal a call to action on issues affecting the in- was the title of the next presentation Reserve Bank of St Louis. Bullard’s Economic Report was basically positive in nature. He stressed the fact that while the Fed’s monetary policy stance is a long way from “normal,” the Fed is much closer to its goals than it has been in the last five years. Unemploy- ment is trending lower, and while inflation is low, it TBA Chairman Jeff Agee presid- Federal Reserve President James D. Bryan Jordan, First Horizon is moving steadily ed over the convention business Bullard delivered an economic re- National Corporation, spoke about toward the Fed’s sessions. port and then took questions from Past Success, Current Challenges, target. Bullard the audience. Future Opportunities. took a number of questions from the audience following dustry—commenting specifically on the on the agenda. The speaker was his prepared text and was very candid 85-member delegation TBA brought to Mark Green, state senator for District in his answers. He received high marks Washington for the annual Washington 22 in the General Assembly. The big- from those who attended. Conference in May. Keating also said gest deficit in Washington right now is Next, Lee Moss, chairman of the that he considers Senator Bob Corker leadership, Green told the audience. TBA government relations committee, to be one of the top three in the Senate. People will buy into the “leader” delivered a report on the major issues Keating said that when he was a before his “mission,” Green noted. facing the industry. candidate for governor of Oklahoma, If you don’t connect at “heart level”

14 124TH ANNUAL MEETING | AUGUST 2014 Chairman’s Report “One year ago we placed a stake in the ground and said, ‘This is TBA; this is who we are; and this is what we stand for,’” said Jeff Agee in his Chairman’s Report. In this year, we have dealt with change, embraced it, and made a difference. Agee thanked Immediate Past Chairman Andy Smith, Past TBA President Brad Bar- ABA President Frank Keating delivered a report. rett, and TBA President Colin Barrett for their example and their assistance. One of the first steps Agee took was “enticing” Colin to create a strategic plan for the association. He did, and we have been busy enacting it this year. “Brad Barrett carried our association to levels we had never seen, and Colin will carry it to an even different level.” Agee said that the Membership Meetings were one of the highlights of his leadership year. It was an honor to go across the state and meet fellow bankers. He commended Amy Smith, Lee Moss, and Tommy Bates on the record level of BankPac contributions last year and Debbie Brickles and Susan Taylor on the record attendance at education programs. Agee stressed the importance of involvement in TBA’s government relations program. Our industry has more than 16,000 pages of regulations to absorb, and DC doesn’t even understand the challenges and problems that presents. He praised Governor Bill Haslam, Commissioner Bill Hagerty, and Commissioner Greg Gonzales for Tennessee Senator Mark Green emphasized their pro-business policies and what those mean for the citizens and that connecting at the “heart level” is key to communities in Tennessee. strong leadership. with people, it doesn’t matter how for Prosperity” that is an extension of intelligent your plan. Leaders must the organization’s Community First Act, be out in the foxhole with the troops; introduced in previous years. The ICBA they can’t lead from the rear. The decided to take a more ala carte approach best CEOs, presidents, or politicians because “it is harder to shoot down 23 of our day will be the ones who put separate bills than one inclusive bill.” themselves last. Reg relief is critical to community Jack Hartings, chairman-elect of banks’ ability to serve their communities the Independent Community Bankers and to survive and thrive, Hartings said. of America and president and CEO of We need your involvement to achieve The Peoples Bank Co of Coldwater, this. It is more important now than ever OH, discussed the ICBA’s position for bankers to contact their congress- on national issues facing community men and express their needs. “Stand banks. Among these were QM loans, up, step up, and speak up,” Hartings GSE reform, and the farm credit sys- told the bankers assembled. tem. He discussed ICBA’s new “Plan continued on page 17 ICBA Chairman Jack Hartings talked about ICBA’s position on national issues.

AUGUST 2014 | 124TH ANNUAL MEETING 15

University of Tennessee head football coach Butch Jones gave a coach’s perspective on the keys to success.

The final speaker of the convention, Butch Jones, was perhaps the most antic- ipated—as evidenced by the sea of orange clothing in the audience that morning. Jones is the head football coach for the University of Tennessee. “Nobody owns success,” said Jones. “It’s rented and must be paid for each and every day.” One person in pursuit of excellence rubs off on everyone in the organization. It is important that everyone be aligned in pursuit of your goals. Everyone should have the exact same response to a question. Being a leader is hard and lonely but never waiver in your plan. Stay committed to your goals, dreams, and aspirations and transfer those to your team, Jones advised. “Show me your friends, and I’ll show you your future,” he concluded. ■

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07114_0126_FTB_8.5x11_4c_Grass.indd 1 4/14/14 4:17 PM 2014 Sponsors PLATINUM SPONSORS Financial Products and Services, Inc, Nashville, TN – Banquet FTN Financial – General Sponsor Investors Title Insurance Company, Chapel Hill, NC – Dessert Party Olsen Palmer, Washington, DC – Chairman’s Reception Pathway Lending, Nashville, TN – Golf Tournament, Private Reception, and Tote Bags GOLD SPONSORS Crowe Horwath LLP, Brentwood, TN – Guest Room Key Cards Federal Home Loan Bank of Cincinnati, Cincinnati, OH – Banquet Reception ICBA Bancard and TCM Bank, and ICBA Mortgage Solutions, Washington, DC – Continental Breakfasts in Exhibit Hall SILVER SPONSORS American Bankers Association, Washington, DC – General Sponsor Alexander Thompson Arnold, PLLC, Milan, TN – Pocket Agenda Banc Compliance Group, Inc, Franklin, TN – Mobile App Bankers Healthcare Group, Inc Syracuse, NY © LILA PHOTO – Tuesday Coffee Bar Crowell & Crowell, PLLC, Franklin, TN – Brochure Printing CRS Data, Knoxville, TN – Banquet Wine Earl R. Whaley and Company, Alcoa, TN – Professional Photographs First Citizens National Bank, Dyersburg, TN – Refreshments in Exhibit Hall during Registration First National Banker’s Bank and FNBB Capital Markets, Birmingham, AL – Grand Prize & Pens Helms Briscoe, Atlanta, GA – General Sponsor Mauldin & Jenkins CPA, LLC, Chattanooga, TN – Monday Coffee Bar PNC Capital Markets, LLC, Pittsburgh, PA – Dessert Party Music Raymond James & Associates, Memphis, TN – Banquet Table Centerpieces BRONZE SPONSORS CenterState Bank, Brentwood, TN – Bottled Waters Dixon Hughes Goodman LLP, Memphis, TN – General Sponsor KraftCPAs PLLC, Nashville,TN – Note Pads SNL Financial, Charlottesville, VA – General Sponsor The Plateau Group, Inc, Crossville, TN – General Sponsor TIB – The Independent BankersBank, Nashville, TN – Registration Booklets Travelers, Charlotte, NC – Banquet Reception Music © LILA PHOTO

AUGUST 2014 | 124TH ANNUAL MEETING 19 Golfers Take to the Ocean Course for Monday Afternoon Tournament

ne reason The Breakers is such a popular FLIGHT 1 convention site for TBA members is the First-Place Second-Place O resort’s beautiful and challenging 18-hole, Chuck Newell, Triumph Bank, Glen Hardison, First Commerce 70-par Ocean Course, site of the Monday afternoon Collierville, TN Bank, Lewisburg, TN golf tournament. The weather this year could not Tim Wilson, The Bank of Jack- Rick Whetzel, First Commerce have been better. son, Jackson, TN Bank, Lewisburg, TN Sponsored by Pathway Lending, the four-person Tim Stillings, Diebold, Incorpo- Rob Wiles, First Commerce scramble tournament featured prizes for the first- rated, Franklin, TN Bank, Lewisburg, TN and second-place team in three flights plus three Tommy Sain, Merchants & Eddie Wiles, First Commerce skill-shot prizes. Planters Bank, Bolivar, TN Bank, Lewisburg, TN Congratulations to the winners! ■ FLIGHT 2 First-Place Second-Place Jim Carter, Pathway Lending, Will Chase, Triumph Bank, Nashville, TN Memphis, TN Jeff Hudson, Renasant Bank, Reeves Crabtree, First National Memphis, TN Banker’s Bank, Birmingham, AL Ben Howard, BKD, LLP, Nash- Adam Smith, Butler Snow LLP, ville, TN Nashville, TN Mike Griffith, Sandler O’Neill + Michael Shamblin, Pershing Yoakley Partners, LP, New York, NY and Associates, PC, Knoxville, TN

FLIGHT 3 First-Place Second-Place Jeff Agee, First Citizens National Danny Maxedon, The Hardin Bank, Dyersburg, TN County Bank, Counce, TN Wynne Baker, KraftCPAs PLLC, Charlie Hicks, Meyer-Chatfield Nashville, TN Corporation, Gadsden, AL Wynne Baker, Jr, KraftCPAs Danny L. Smith The Hardin PLLC, Nashville, TN County Bank, Savannah, TN Susan Baker, KraftCPAs PLLC, Don Woods, Areawide Develop- Nashville, TN ment Corporation, Alcoa, TN

Closest–to–the–Pin – 5’2”: Kent Vaught, Renasant Bank, TOURNAMENT SPONSOR: Maryville, TN Longest Drive – 298 yards: Wynne Baker, KraftCPAs PLLC, Nashville, TN Straightest Drive: Tim Wilson, The Bank of Jackson, Jackson, TN

20 124TH ANNUAL MEETING | AUGUST 2014 AUGUST 2014 | 124TH ANNUAL MEETING 21 2014 Exhibitors

AmTrust Group, Cleveland, OH Harland Clarke, San Antonio, TX Bank Financial Services Group, High Cotton, Birmingham, AL Nashville, TN Holtmeyer & Monson, Memphis, TN Bankers Healthcare Group, Investment Professionals, Inc, Syracuse , NY San Antonio, TX Brightbridge Inc, Chattanooga, TN Investors Title Insurance Company, Business Credit Reports, Gallatin, TN Chapel Hill, NC Cardinal Software, Johnston, IA KraftCPAs PLLC, Nashville, TN Clarity Appraisal Management, Level 5, LLC, Atlanta, GA Nashville, TN Mauldin & Jenkins LLC, Crescent Mortgage Company, Chattanooga, TN Knoxville, TN Ncontracts, Brentwood, TN Crowell & Crowell, PLLC, Franklin, TN NFP Executive Benefits, D&H, Portland, OR Brentwood, TN Diebold, Incorporated, Nashville, TN Office Depot, Nashville, TN Eclipse Brand Builders, Alpharetta, GA Pershing Yoakley & Associates, Federal Home Loan Bank, Knoxville, TN Cincinnati, OH Promontory Interfinancial Network, Federal Reserve Bank, LLC, Arlington, VA Germantown, TN TransFund, Tulsa, OK Financial Products and Services, Inc, Travelers, Charlotte, NC Nashville, TN Triumph Mortgage, Collierville, TN First Community Mortgage, Works24, Goodlettsville, TN Murfreesboro, TN

GRAND PRIZE GIVEAWAY WINNER Shelby Quinn, Decatur County Bank, Decaturville, won the $1,000 grand prize in the Exhibit Hall. To her left is Reaves Crabtree and on the right are Charles Kown and Charles Morris, all representing First National Banker’s Bank and FNBB Capital Markets, which sponsored the prize.

22 124TH ANNUAL MEETING | AUGUST 2014 AUGUST 2014 | 124TH ANNUAL MEETING 23 2014 Exhibitors

24 124TH ANNUAL MEETING | AUGUST 2014 AUGUST 2014 | 124TH ANNUAL MEETING 25 2014 Annual Meeting in Photos

TBA new executive committee (L-R) Gordon and Jeanie Majors; Newly elected TBA directors (L-R) Michael and Susan Cary; McCall Bill and Carol Marsh; Jolie and Jeff Agee; and David Verble and Wilson, Jr; and Lynn and Kathy Shipley. Donna Kidd.

26 124TH ANNUAL MEETING | AUGUST 2014 A Tennessee CPA Firm for Tennessee Banks

We are committed to providing the highest level of accounting and consulting services to the banking industry. Our clients benefit from value added advice, industry expertise and quality client service. We view every client relationship as a partnership and truly believe our success is a result of our clients’ success.

> External and Internal Audits > Loan Reviews > Information Technology Reviews > ACH Compliance Audits > Regulatory Compliance Reviews > Stress Testing > FHLB Agreed Upon Procedures > Tax and Business Accounting > BSA Reviews

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Milton Crowell, June A. Crowell, Kerry Garner, Glenda Sloan, Chris Loyd, CPA, CITP CPA, CGMA CPA AAP CPA, CGMA

400 Sugartree Lane, Ste. 600 | Franklin, TN 37064 (615)790-0542 | www.crowellandcrowell.com

AUGUST 2014 | 124TH ANNUAL MEETING 27 2014 Annual Meeting in Photos

28 124TH ANNUAL MEETING | AUGUST 2014 © LILA PHOTO © LILA PHOTO

AUGUST 2014 | 124TH ANNUAL MEETING 29 2014 Annual Meeting in Photos

30 124TH ANNUAL MEETING | AUGUST 2014 © LILA PHOTO © LILA PHOTO

AUGUST 2014 | 124TH ANNUAL MEETING 31 Government Advocacy 2014 BankPac Campaign on Track to Set New Records

BA BankPac, the nonpartisan and most successful PACs in Tennessee. from 88 banks and associate members. political action committee of In 2013, BankPac raised over Below is a list of contributors that T the Tennessee Bankers Asso- $200,000 for the first time ever in a have supported BankPac this year. ciation, serves as the exclusive PAC single year. By yearend, BankPac re- If your institution has not yet con- dedicated to representing the banking ceived $202,733 from 126 contributors, tributed to BankPac’s 2014 campaign, industry in the state. Over the past including banks and associate members. please consider making a contribu- several years, TBA has grown the to- The 2014 BankPac campaign is on tion as soon as possible. For more tal dollars contributed and increased track to break more records. Midway information about BankPac or to the number of institutions that give, through the year, as of July 11, 2014, contribute, please contact Amy Smith making BankPac one of the largest BankPac had already raised $152,468 at [email protected].■

BankPac Contributors As of July 11, 2014

Daniel W. Small & Company, Ashland City Bank of Gleason, Gleason Athens Federal Community Bank, Athens Greeneville Federal Bank, FSB, Greeneville Citizens National Bank, Athens Citizens Bank, Hartsville SouthEast Bank, Athens Chester County Bank, Henderson First National Bankers Bankshares, Inc, Carroll Bank and Trust, Huntingdon Birmingham, AL BancorpSouth Bank, Jackson ServisFirst Bank, Birmingham, AL Scott - Riddle Consulting, Jackson Citizens Bank, Carthage Progressive Savings Bank, Jamestown CapitalMark Bank & Trust, Chattanooga First Peoples Bank of Tennessee, Jefferson City First Volunteer Bank, Chattanooga UBank, Jellico F&M Bank, Clarksville TriSummit Bank, Kingsport Legends Bank, Clarksville Clayton Bank and Trust, Knoxville Southern Heritage Bank, Cleveland Citizens Bank of Lafayette, Lafayette Peoples Bank, Clifton Macon Bank and Trust Company, Lafayette The Bank of Fayette County, Collierville Peoples Bank of the South, LaFollette First Farmers and Merchants Bank, Columbia Lawrenceburg Federal Bank, Lawrenceburg Putnam 1st Mercantile Bank, Cookeville First Freedom Bank, Lebanon Highland Federal Savings and Loan Wilson Bank & Trust, Lebanon Association, Crossville First Commerce Bank, Lewisburg Community National Bank, Dayton Community Bank, Lexington Decatur County Bank, Decaturville FirstBank, Lexington Citizens Tri-County Bank, Dunlap American Bank & Trust of the Cumberlands, Mountain Valley Bank, Dunlap Livingston Citizens Bank, Elizabethton Peoples Bank of East Tennessee, Madisonville Traditions First Bank, Erin Volunteer Federal Savings Bank, Madisonville Bank of Frankewing, Frankewing Peoples Bank & Trust Company, Manchester Tennessee Bank and Trust, a Division of Farmers Citizens Bank of Blount County, Maryville Bank & Trust, Franklin The First National Bank of McMinnville, McMinnville

32 THE TENNESSEE BANKER | AUGUST 2014 Government Advocacy Government Advocacy

Commercial Bank & Trust Co, Memphis Tennessee State Bank, Pigeon Forge Evolve Bank & Trust, Memphis First Farmers and Commercial Bank, Pikeville Paragon Bank, Memphis The Farmers Bank, Portland Triumph Bank, Memphis Volunteer State Bank, Portland Trustmark National Bank, Memphis First National Bank of Pulaski, Pulaski The Bank of Milan, Milan The Hardin County Bank, Savannah Jefferson Federal Bank, a branch of HomeTrust Bank, Citizens National Bank, Sevierville Morristown Sevier County Bank, Sevierville Farmers State Bank, Mountain City First Community Bank of Bedford County, Johnson County Bank, Mountain City Shelbyville MidSouth Bank, Murfreesboro Commerce Union Bank, Springfield Avenue Bank, Nashville First Century Bank, Tazewell Citizens Savings Bank and Trust Company, Nashville Farmers and Merchants Bank, Trezevant Pinnacle Bank, Nashville American City Bank of Tullahoma, Tullahoma Regions Bank, Nashville Southern Community Bank, Tullahoma Tennessee Bankers Association, Nashville First State Bank, Union City US Bank, NA, Nashville Reelfoot Bank, Union City Citizens Bank, New Tazewell Wayne County Bank, Waynesboro Home Federal Bank Corporation, New Tazewell Newport Federal Bank, Newport The First National Bank of Oneida, Oneida

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33 THE TENNESSEE BANKER | AUGUST 2014 Your building, your vault, your money and your people: Protect them all.

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34 THE TENNESSEE BANKER | AUGUST 2014

Client: Travelers Publication: Issue: Close: Ext: The Tennessee Banker Job Number: SPBIZ3PU401 File Name: SPBIZ3PU401_TB_8-5x11 Description: Nesting Boxes Date/Time: 03/31/14

Bleed: 8.625” x 11.125” Creative Director: Name Trim: 8.5" x 11" Art Director: Name Live: 7.5” x 10” Copywriter: Name Media: FP 4C Bleed Production Artist: Jackie Lipetzky Fonts: FreightSans Pro Book & Semibold Project Lead: Name Ink Colors: Account Manager: Alex Steinman Notes: Save as a PDF/X-1a:2001 TENNESSEE BANKERS ASSOCIATION Compliance CONFERENCE October 1 & 2, 2014 • Nashville Airport Marriott The Challenge of Change

re you finding the whole national program. istration at 8:00 am on Wednesday, new world of compliance Register now to take advantage October 1, and the first session will A and regulatory changes a of the early registration pricing and convene at 8:30 with a welcome from challenge? If so, you are not alone. reserve your hotel accommodations TBA President Colin Barrett and a The financial industry continues to be before the September 10 cutoff date program overview from Compliance exposed to an unprecedented volume to receive the special conference rate. Committee Chairman Kathy Hoskins, of changes—changes to the rules, executive risk officer with Citizens forms, disclosures, industry superviso- Who Should Attend Bank, New Tazewell. ry structures, and exam expectations. The content of the Compliance Con- The first general session will in- To help clarify your understand- ference was developed for compliance clude an update on national issues ing of these changes, TBA will con- officers, loan administration personnel, delivered by Rod Alba, vice presi- duct its fourth annual, two-day loan operations personnel, lenders, au- dent, mortgage finance, and senior Compliance Conference, October 1 ditors, senior level officers, and others regulatory counsel for the American and 2, at the Nashville Airport Mar- who have the primary responsibility Bankers Association. The Consumer riott. Addressing the most current of meeting the regulatory compliance Financial Protection Bureau (CFPB) compliance issues facing our banks, requirements covered in the conference has been invited to present an update the program will bring together a topics. It is structured for those with on that agency. diverse group of topics and solutions intermediate to advanced levels of ex- This will be followed by concur- presented by nationally recognized perience. rent breakout sessions covering: experts, local and regional regula- Participation in TBA programs is • HMDA – Aaron Rykowski, vice tors, and examiners. limited to TBA members, associate president and senior compliance offi- The Compliance Conference of- member, and nonmembers from an cer, Fifth Third Bank, Cincinnati, OH fers TBA members timely and conve- eligible membership category. • CRA – Kevin Kane, founder and nient educational and shared-knowl- president, Financial Regulatory Con- edge experience second to none at Conference Highlights sulting, Inc, New York, NY a fraction of the cost to attend a The conference will open with reg- continued next page Our Sponsors Wednesday – October 1 Thursday – October 2 Crowell & Crowell, PLLC, Alexander Thompson Arnold, Franklin, TN – Printed Booklets PLLC, Milan, TN KraftCPAs PLLC, Nashville, TN – Continental Breakfast – Continental Breakfast Clarity Appraisal Management, LLC, Gray CPA, PLLC, Murfreesboro, Nashville, TN – Coffee Break TN – Luncheon Banc Compliance Group, Inc, Franklin, General Sponsor TN – Reception & Mobile App Ncontracts, Brentwood, TN

AUGUST 2014 | THE TENNESSEE BANKER 35 2014 Compliance Conference continued

• UDAAP – Scott Williams, partner, Clukie, URS Corporation, Atlanta, GA Farris Bobango, PLC, Nashville, TN • Trust-in-Lending/RESPA – Connie Edwards, • Deposit Hot Topics – G. Chris Banc Compliance Group, Inc, Franklin, TN Finnegan, assistant regional director, • Third-Party Risk – Linda Finck and Tim Federal Deposit Insurance Corpora- Evans, both with the Federal Deposit Insurance tion, Memphis, and Coralyn Becton, Corporation, Nashville, TN compliance examiner, Federal Deposit • CFPB Final Rule Guidance – Aaron Insurance Corporation, Nashville, TN Rykowski, Fifth Third Bank, Cincinnati, The luncheon speaker is Greg Gon- OH. zales, commissioner of the Tennessee The luncheon Department of Financial Institutions. speaker on Tuesday The afternoon general session be- is Blair Rugh, direc- gins with a Regulatory Panel moderat- tor of compliance ed by June Crowell, member, Crowell with TriComply a & Crowell, PLLC, Franklin. Panelists include G. Chris Finnegan, assistant regional director with the FDIC in Dallas, Rachel Webster, Director 2014 Compliance Committee of Examinations with the Federal Reserve Bank of Atlanta, and Molly Chairman: Kathy Hoskins, Executive Risk Officer, McKnight, district compliance lead Citizens Bank, New Tazewell with the OCC in Washington, DC Alecia Purtteman, Manager, CIA, CCBIA, Alexander plus representatives from the CFPB. Thompson Arnold, PLLC, Jackson The final topic of the day is Fair Barbara Broshears, Senior Vice President/Chief Compliance Lending featuring Jeff Tate, fair lend- Hoskins Officer, Mountain Commerce Bank, Erwin ing examination specialist with the Connie Edwards, President, Banc Compliance Group, Inc, Franklin FDIC in Dallas. The first day of the conference ends David Barnes, Executive Vice President, Chief Operations Officer, with a reception sponsored by Banc Civic Bank & Trust, Nashville Compliance Group, Inc, Franklin. Jill Allison, Compliance Officer, First Bank of Tennessee, Dayton Thursday begins at 8:30 with a con- June Crowell, Member, Crowell & Crowell, PLLC, Franklin tinental breakfast, and Hoskins will Linda Scholl, Vice President, Compliance/BSA/Audit, Brighton Bank, call the conference to order at 8:55. Brighton A Senior Bank Compliance Officer Panel is the first session on the day’s Lynn Riddle, Partner, Scott-Riddle Consulting PLLC, Jackson agenda. The moderator is Connie Mark McDowell, Senior Vice President, Chief Compliance Officer, Edwards, president/owner of Banc Commerce Union Bank, Springfield Compliance Group, Inc, and the Amy Greene, Supervisor, Assurance Services , Kraft CPAs PLLC, Nashville panelists are Greg Sawyers, South- Nina Gourley, Audit Manager, Watkins Uiberall, PLLC, Memphis east Bank, Knoxville; Karina Simon, The Hardin County Bank, Savannah; Rebecca Jones, Vice President/Compliance Officer, First Community Mary Brown, Community National Bank of Bedford County, Shelbyville Bank, Rossville, GA; and Nikki Win- Scott Williams, Partner, Attorney, Farris Bobango, PLC, Nashville ters, FirstBank, Lexington. Tina Cline, First Vice President, Senior Compliance Officer, First Following the panel, attendants Century Bank, Tazewell will have their choice of breakout Tina Stalion, Vice President/Compliance Officer, Carroll Bank sessions to attend. These include: and Trust, Huntingdon • Flood-Biggert Waters Act – David

36 THE TENNESSEE BANKER | AUGUST 2014 division of TriNovus, a Temenos Com- to $470 and $910, respectively. Conference brochure containing pany, Orlando, FL. Rugh is one of the All day-of-program registrants complete information and a print- pre-eminent experts in banking compli- will be assessed an additional $50 able registration form. ance with over 40 years’ experience in late registration fee. If you have questions about all aspects of banking law and regula- Visit the calendar page on the the program, please e-mail Debbie tions. TBA website, www.TNBankers. Brickles, dbrickles@TNBankers. The final session of the conference is org/calendar, and click on the pro- org, or call 615-244-4871 or 800- Managing Your Compliance Program, gram date to register online or to 964-5525. ■ which features a panel composed of download a copy of the Compliance senior compliance officers from four different Tennessee community banks representing a cross-section of asset sizes. Mark McDowell, Commerce Union Bank When it comes to the banking industry, in Springfield, TN, will moderate the panel. The panelists are Tina Cline, KraftCPAs has the bases covered. First Century Bank, Taze- well; Marci Koster, Avenue Bank; Jennie Runions, Peo- ples Bank, Waynesboro; and Heather Ledbetter, Commer- cial Bank & Trust, Jackson. The 2014 Compliance Conference is scheduled to adjourn at 3:00.

Hotel Information The Nashville Airport Marriott is holding a limited block of rooms on a first-come, first-served basis at the special group rate of $129 per night. September 10 is the deadline to reserve accommodations at this rate. When the allotted room block sells out, room rates return to standard prices on a space-available basis, even if it is before the Septem- • External & internal audit • Information systems assurance ber 10 deadline. & consulting To reserve accommodations, call the • SOX documentation & testing hotel directly at 615-889-9300 and specify • FFIEC audits • Compliance reviews that you are attending the Tennessee Bank- • Risk assessment ers Association’s fourth annual Compliance • Loan reviews & grading systems • External penetration testing Conference. • Employee benefit plan audits • Internal penetration testing Registration Fees • Merger/acquisition assistance • Forensic accounting Registration fees cover instruction; • Valuation services • Enterprise risk management continental breakfast, refreshment breaks, and lunch on both days; and • Tax planning & compliance • Social engineering reception on Wednesday. Please register early as seating is limited for this con- In Nashville, contact ference. Wynne E. Baker - 615-782-4230 Registrations received in the TBA of- Gina Pruitt - 615-782-4207 fice by the close of business on September In Columbia, contact 17 qualify for early registration fees of Beverly Horner - 931-388-3711 $440 for TBA members and associate members and $880 for nonmembers. www.kraftcpas.com/banking.htm After September 17, fees increase by $30

AUGUST 2014 | THE TENNESSEE BANKER 37 SouthEast Bank and EverFi Honor 140 High School Graduates of Web-Based Financial Education Program Over 8,000 students reached through financial literacy program since 2012

n May, Tennessee State Senator TBA-endorsed EverFi, Inc, a leading cial Scholars Program ensures that Bo Watson, Hamilton County education technology company, to our students are better prepared for I School District CTE Director make the interactive, web-based finan- the future and the financial challeng- David Cowan, SouthEast Bank, cial management program available es it will bring.” and educators from Tyner Acad- free-of-charge to all Hamilton County Students at Tyner Academy were emy honored over 140 graduates schools. recognized for their outstanding from the SouthEast Bank Financial “Hamilton County Schools strive work in completing the program. Scholars Program, a financial edu- to create well-rounded students in all In addition to Senator and Speaker cation course designed to empower aspects of life, inside and outside the Pro Tempore Bo Watson and School young people with the essential skills classroom,” said Hamilton County Director Cowan, the event included needed to make sound financial deci- School District CTE Director David remarks from Tyner Academy Prin- sions. SouthEast Bank partners with Cowan. “The SouthEast Bank Finan- cipal Carol Gross, SouthEast Bank President and COO Lloyd Mont- gomery, and student representatives who completed the SouthEast Bank Financial Scholars Program at Tyner Academy. “SouthEast Bank is committed to making a positive impact on the communities we serve,” said SouthEast Bank’s Montgomery. “This is why we are so proud to sponsor EverFi and their innovative financial literacy education program for schools like Tyner Academy and across Tennes- see.” Through the partnership with EverFi, SouthEast Bank offers the program to students at no cost to the schools or the taxpayer. The

38 THE TENNESSEE BANKER | AUGUST 2014 web-based program uses the latest in new media technology—simula- tions, avatars, gaming and adap- tive-pathing—to bring complex financial concepts to life for today’s digital generation. The high school course provides over six hours of programming with 10 units in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401(k)s, and other critical concepts that map to national financial literacy standards. The platform uniquely tracks the progress and performance of every student and provides students who successfully complete the course with a Certification in Financial Lit- eracy, a valuable mark of distinction on college applications and resumes. “It is more important than ever to arm Tennessee students with the skills to make sound financial decisions,” said Senator Watson. “We are grateful for these public private partnerships that enable us to bring these important resources to schools in our district.” ■

About EverFi EverFi, Inc, is the leading education to AnOTHER (FOHTA). Pharrell technology company focused on teach- launched a new community edu- ing, assessing, and certifying K-12 and cation initiative in his hometown college students in the critical skills they of Virginia Beach, VA. EverFi need for life. The company teams with will provide digital learning major corporations and founda- opportunities to students

tions to provide the programs ESSEE BA attending FOHTA’s NN NK E E T R at no cost to K-12 schools. S Summer of Innovation Some of America’s lead- Endorsed Partner Camps, with plans ing CEOs and venture cap- to expand to local ital firms are EverFi inves- TBA schools this fall. tors, including Amazon founder approved Pharrell headlined and CEO Jeff Bezos, Twitter a kickoff event at his founder Evan Williams, Rethink Ed- alma mater, Princess Anne ucation, New Enterprise Associates, Inc. High School, and more than 800 (NEA), and Tomorrow Ventures (the students, administrators, and investment arm of Google Chairman community members welcomed Eric Schmidt). him home. One of EverFi’s most recent support- To learn more about EverFi, ers is Grammy award-winning producer visit www.everfi.com or contact and performer Pharrell Williams and his TBA’s Stacey Langford via e-mail educational nonprofit From One Hand to [email protected].

AUGUST 2014 | THE TENNESSEE BANKER 39 September 23 & 24 Southeastern Institute for IRA Training Win the Race to IRA Expertise

When working with IRAs, do you ever feel like you are • Investment and trust personnel who are newly involved in the open- on a treadmill to nowhere? You put in the time and the ing, selling, marketing, or adminis- miles, but you never cross the finish line toward actual tration of IRAs • Officers or managers who over- comprehension. see the IRA department and may be responsible for answering IRA questions or concerns but does not hether you are looking to issues, including qualified plan rollovers actually open the accounts gain basic knowledge of and distributions. The program will • Experienced IRA personnel who W IRAs, raise your comfort adjourn at noon. like a slower-paced workshop to cover level, or sharpen your skills with the Each participant will receive Sunwest all the new changes in a comprehen- most up-to-date rules and regulations, Training’s IRA Training and Reference sive manner. TBA’s Southeastern Institute for In- Manual which will serve as a handbook Participation in TBA program is dividual Account Training is the best back in the bank. limited to members, associate mem- option to help you win the race to bers, and nonmembers from an eligi- IRA expertise. Who Should Attend ble membership category. The program is scheduled for The institute was developed for all September 23 and 24 at the Franklin personnel involved with IRAs: Hotel Information Marriott Cool Springs. The instruc- • New account representatives This one-and-a-half day program tor is Patrice Konarik, president • CD personnel will be held at the Franklin Marriott of Sunwest Training Corporation, • Savings counselors Cool Springs, and TBA has arranged recognized as one of the country’s • Account holder service representatives for a limited number of rooms at a top experts in retirement and new account training. The first day of the institute is devoted to the basics, beginning Program Speaker with the terms and forms used to Patrice M. Konarik is president of Sunwest Training Cor- create IRA plans. Konarik’s pre- poration founded over 20 years ago and located in the sentation is not forms specific, and Texas Hill Country near San Antonio, TX. With over 30 those who attend are encouraged to years’ experience in the financial industry, Konarik has bring samples of your institution’s focused her expertise on the retirement and new account commonly used IRA forms. Next, areas and currently provides live training and webinars on Konarik will review the various IRA these subjects on a nationwide basis. She has a BS degree in management plan types along with qualifications, science from New York’s Binghamton University. Many state banking new contribution limits, and other associations and other organizations use her as their main source for regulations. training on these complicated topics. Konarik’s upbeat personality and On the next morning, Konarik former banking experience easily encourage interaction and questions will cover intermediate and advanced during the training sessions.

40 THE TENNESSEE BANKER | AUGUST 2014 NOTE: You are encouraged to bring a sample of the IRA forms your financial institution currently uses including application, contribution and distribution forms, and rollover review or certification forms. special group rate of $155 per night All day-of-program registrants will single/double occupancy. be assessed an additional $50 late Tuesday, September 2 is the cut- registration fee, so please register in off date for the special group rate. advance. When the allotted room block is Visit the TBA website to register sold, room rates will return to stan- online for The Southeastern Institute dard prices on a space-available ba- for IRA Training or to download a sis, even if it is before the September brochure containing complete informa- 2 deadline. All unreserved rooms in tion about the program and a printable the block will be released for general registration form. sale at midnight on September 2, If you have questions about this and reservations received after that program, please contact Susan Taylor, date will be accepted on a space- or CMP, via e-mail to srtaylor@TNBank- rate-available basis. Please make ers.org or call her at 615-244-4871 or your overnight arrangement early 800-964-5525. ■ to assure you receive the special TBA rate. To reserve accommodations, call the hotel directly at 615-261-6100 and ask for the Tennessee Bankers Association block of rooms to receive the special group rate.

Registration Information Registration fees for The South- eastern Institute for IRA Training cover instruction; Sunwest Training IRA Training and Reference Manual; continental breakfast and refreshment breaks both days; and lunch on Tuesday. Registrations received in the TBA office by the close of business on Sep- tember 10 qualify for early registration fees of $440 for TBA members and associate members and $880 for nonmembers. After September 10, fees increase to $470 for members and $910 for nonmembers.

AUGUST 2014 | THE TENNESSEE BANKER 41 September 8, 9, 10, 11 BSA/AML Compliance Management

oming in September, TBA will The program will incorporate recent changes conduct the 2014 BSA/AML C Compliance Management and major proposed changes—and there have program in four locations across the state. The instructor is Ken Golliher, been plenty in the last 12 months. a principal with Pegasus Educational Services, LLC, which developed the program content. • Anti-money laundering programs This full-day seminar is our flag- • Customer–identification programs BSA/AML RECENT ship BSA/AML training event. It ad- • Due diligence and enhanced due DEVELOPMENTS dresses all key Bank Secrecy Act (BSA) diligence responsibilities, from CTR and SAR • Currency transaction reporting • Possible “due diligence” reg- filing to record retention. It will also (CTR) ulations requiring banks to iden- review the required elements of your • CTR filing exemption process tify beneficial owners are still anti-money laundering (AML) pro- • 314(a) queries pending gram, from CIP to enhanced due dili- • Record retention • “IT modernization” is fully gence. The program will incorporate • Official checks implemented, and all depository recent changes and major proposed • Wire transfers institutions are filing electronically changes—and there have been plenty • Suspicious activity reporting • Guidance on SAR and CTR in the last 12 months. Each participant will receive a ref- completion has been published Seminars are scheduled for Sep- erence manual covering the program tember 8 in Kingsport, September 9 in topics and containing vital information • Notable trends in BSA–re- Knoxville, September 10 in Jackson, they will take back to the bank and use lated enforcement actions are and September 11 in Nashville. ongoing. apparent

Program Overview Who Should Attend associate members and $440 for non- BSA is one of the few regulations This program was developed for members. After August 29, those fees where compliance is so critical that it personnel who have responsibility for increase by $30. is classified as a “safety and sound- maintaining or auditing Bank Secrecy All day-of-program registrants will ness” issue. Regulations require every Act compliance efforts. be assessed an additional $50 late bank to have an ongoing Bank Secrecy Attendants qualify for 6.5 hours of registration fee, so please register in Act training program, and examiners COE credit in the area of specialized advance. routinely ask for evidence of recent knowledge and application. To register for the BSA/AML training—even for experienced BSA Participation in TBA programs is Compliance Management seminar in personnel. limited to members, associate members, your area, visit the calendar page of Add to this the fact that SAR-filing and nonmembers from an eligible mem- the TBA website, www.TNBankers. requirements are one of the most dif- bership category. org/calendar, and click on the event. ficult compliance responsibilities your There you may register online or institution has, and the BSA/AML Registration Fees download a copy of the program bro- Compliance Management program Fees for the BSA/AML Compliance chure containing complete informa- becomes critical to your personnel’s Management program cover instruction, tion and a printable registration form. training. reference manual, continental breakfast, If you have questions about this Golliher will pro- refreshment breaks, and lunch. program, please contact Debbie vide a comprehensive Registrations received in the TBA Brickles via e-mail to dbrickles@ overview of the follow- office by the close of business on Au- TNBankers.org or call her in the ing BSA/AML compli- gust 29 qualify for early registration TBA office at 615-244-4871 or 800- ance issues: pricing—$220 for TBA members and 964-5525. ■

42 THE TENNESSEE BANKER | AUGUST 2014 On the Horizon Upcoming Regional Workshops

ENTERPRISE RISK MANAGEMENT TRAINING THE CREDIT ANALYST August 19 – Nashville, TBA Barrett Training Center August 26 & 27 – Nashville, TBA Early registration deadline: August 4 Barrett Training Center As we see an end to the banking crisis, it is clear that Early registration deadline: August 12 our regulators have shifted their focus to enhancing This two-day program is designed to banks’ risk management procedures. Dodd-Frank and provide lenders and analysts the tools re- BASEL III are the most prominent examples of this focus. quired to understand and use financial information pro- Although some unintended consequences for the industry vided by borrowers. The key to producing high-quality have resulted from these discussions, it is also true that analysis is being able to understand the actions or inactions improving how we do business is crucial for survival of your borrower’s management team. You then must be going forward. able to ask the borrower the “right” questions. This program is presented as the next generation The goal is to measure risk, develop loan structure, and in enterprise risk management workshops. The first assure the capacity to repay the loan. The loan officer/an- generation focused on definition, while this one examines alyst must be able to communicate that information to the what we know at this time about activities associated loan committee and the customer. Ultimately, good loan with ERM. Stress testing is the key to the issue, and the officers are able to provide value-added information that speakers will examine what we know about those tests. allows their borrowers to make better business decisions. Susan Taylor - [email protected] TBA contact: TBA contact: Susan Taylor - [email protected] Senior Vice President of Professional Development Senior Vice President of Professional Development

BASIC CONSUMER LENDING IRS REPORTING FOR FINANCIAL August 28 & 29 – Nashville, TBA Barrett INSTITUTIONS Training Center September 4 – Nashville, TBA Barrett Training Center Early registration deadline: August 14 Early registration deadline: August 28 This two-day basic program was developed for those charged with organizing and managing consumer This program takes the mystery out of the IRS loans. It will address credit decision-making as well Information Return Program. It is designed to assist US as the human relations aspect of lending. financial institutions in evaluating procedures for creating This program includes case studies and relationships with customers and vendors, integrating role playing to acquaint you with effective applicable changes for the current tax year, and laying the interviewing skills and to improve your groundwork for a “reasonable cause” defense. This full-day credit decisions. It also contains a discus- seminar outlines an effective IRS compliance program. sion on the concepts of secured lending It gives practical advice on procedural issues and outlines and an analysis of decision-making. actions required in response to a B-notice (CP2100) and a This seminar was developed for branch managers, Notice of Proposed Penalty (972 CG). Changes and recent assistant branch managers, collection managers, per- developments are highlighted throughout the program. This sonal bankers, management trainees, loan review staff, includes a detailed overview of the requirement to report and those interested in learning more about consumer interest paid to nonresident aliens and best practices for lending and consumer underwriting. obtaining and maintaining the required Form W-8 BEN. TBA contact: Susan Taylor - [email protected] TBA contact: Debbie Brickles - [email protected] Senior Vice President of Professional Development Senior Vice President of Training and Development

AUGUST 2014 | THE TENNESSEE BANKER 43 Bank Notes

Franklin Synergy Bank Acquires MidSouth Bank

Franklin Synergy Bank, Frank- contiguous markets with long- lin, has completed its acquisition term growth potential,” Richard of MidSouth Bank, Murfreesboro, Herrington, chairman and CEO creating a bank of more than $1 of Franklin Synergy Bank. “Mid- billion in assets. The two banks South customers and Rutherford first entered a merger agreement last County will benefit from the con- November in a stock transaction tinued presence and engagement of totaling $38 million, the first bank a locally managed bank.” deal locally since 2012. The deal adds five former Mid- The combined banks will operate South Bank locations in Ruther- Richard Herrington Lee Moss as Franklin Synergy Bank, and the ford County to Franklin Synergy headquarters will remain in Frank- Bank’s six existing locations in Wil- lin Synergy’s new president. “We are lin. Based on FDIC data as of March liamson County. In all, the bank has uniting two strong community banks 31, 2014, the bank will have around approximately $977 million in total and creating a dominant community $1.1 billion in total assets, including deposits. bank in the Middle Tennessee bank- $641million in total loans. “This merger creates tremendous op- ing market with greater competitive “This merger is a continuation portunities to build on the successes that strength, growth potential, and prof- of our strategy to expand selec- each company has achieved individually itability.”■ tively our geographic footprint in in its own markets,” Lee Moss, Frank-

BankTennessee Celebrates New Middle Tennessee Headquarters with Ribbon Cutting

In late June, BankTennessee hosted a ribbon cutting at its new location in Lebanon to celebrate the opening of the two-story, 7,200 square-foot Middle Tennessee headquarters located on a 1.85 acre site at 355 South Hartmann Drive. Local dignitaries, the bank board of directors, and Tennessee Department of Financial Institutions Commissioner Greg Gonzales attended the event. “Lebanon is growing, and we are growing with it. This is a vibrant market, and since establishing our office here in 2007, we have seen significant growth in the community. In fact, we quickly outgrew our location on Signa- ture Place, and it’s important for us to have a strong presence in the community with a highly visible, accessible site,” said Tom Paschal, the bank’s Middle Tennessee president. ■

BankTennessee board of directors with TDFI Commissioner Greg Gonzales, ( L-R) Wright Cox, Gene Mathis, Alex Richmond, Middle Tennessee President Tom Paschal, Board Chairman Joel Porter, Commissioner Gonzales, Jim Rout, David Kustoff, David Wild, and, Randy Lankford.

44 THE TENNESSEE BANKER | AUGUST 2014 United Community First National Bank of Pikeville Becomes First Farmers Banks, Inc, Acquires and Commercial Bank Commercial Lender— First National Bank of Pikeville, individuals, agriculture, and business.” Business Carolina, Inc Pikeville, was approved by the State of The bank’s board of directors felt it Tennessee to become a state chartered was time to make the move to a state United Community Banks, Inc, bank as of June 1, 2014. The charter charter bringing all the branches under a Georgia-based bank holding change brought a name change from First the same name to allow serving their company of United Community National Bank of Pikeville to First Farm- customers better. Bank, with branches in Tennessee, ers and Commercial Bank. “This com- “The new bank name reflects our has acquired Business Carolina, munity bank has served the Sequatchie heritage, our community, and our Inc (BCI), a commercial lender Valley for over 100 strong years,” noted belief in serving our neighbors,” he based in Columbia, SC. The ac- Phillip L. Crawford, president/CEO. “It continued. “While the First Farmers quisition includes approximately was established by farmers, merchants, and Commercial Bank name may be $25 million of loans, $6 million and businessmen in 1913 who believed different, it does not change the em- of other assets, and substantially in a bank that would grow to meet the ployees, directors, or ownership of the all of BCI’s employees. BCI will community’s financial needs for families, bank as we start our 101st year.” ■ operate as a division of United Community Bank under its trade name of BCI Lending throughout Warrington Named Evolve Bank & Trust UCB’s footprint. The company specializes in SBA and USDA 2014 Hardin County Offers New Mobile loans helping fund small business- Administrator of the Year Banking App es with everything from acquiring Jo Warrington, of The Hardin Evolve Bank & Trust, Memphis, land and renovating facilities to County Bank, Savannah, is the 2014 has added a free mobile app avail- purchasing equipment and refi- Hardin County Administrator of the able for iOS devices via the App nancing debt as well as funding Year. Warrington received a plaque Store and for Android devices via the for startup companies. ■ and other gifts at the 12th annual Google Play store. Mobile banking Administrative Assistants Luncheon services are another convenience sponsored by Hardin County Cham- for customers from Evolve, a Mem- Commercial Bank ber of Commerce and attended by phis-based bank operating six full-ser- & Trust Named in Top over 100 people. Nominated by her vice branches and loan production coworkers, Warrington has worked offices in Arkansas and Tennessee, 15th Percentile for the bank for 24 years in an admin- with more than 30 loan production of Community Banks istrative assistant role. ■ offices around the country. ■

Seifried & Brew, a community bank risk management firm, has Collier of Pinnacle Financial BancorpSouth Bank named Commercial Bank & Trust Co, Paris, in its 2013 Top 15th Partners Named Top 20 Names Frisbee to 2013 percentile of community banks. Program Manager President’s Club Seifried & Brew said Commercial Gary Collier of Pinnacle Financial Janeice Frisbee, first vice pres- Bank not only survived the finan- Partners, Nashville, was named to Bank ident, BancorpSouth Bank, Hum- cial crisis, but actually thrived. To Investment Consultant magazine’s annu- boldt, was named to the President’s gain entry into the ranking, the al list of Top 20 program managers. ■ Club 2013 for posting in excess bank demonstrated exemplary of $1 million in sales of annuity performance of balancing risk and products during 2013. Frisbee was reward based on the bank’s S&B Bellefant Named to Peoples recognized also as the Top Area Pro- total risk/return composite rank- Bank of Bedford County ducer of the Alabama, Florida, and ing. S&B ranks institutions with West Tennessee markets, the highest assets between $100 million and $5 Board honor attained at the bank. She was billion. Commercial Bank& Trust Al Bellenfant, senior vice president, commended for maintaining an out- Co is a full-service bank with three Peoples Bank of Bedford County, Shel- standing level of success in the annu- offices in Paris and offices in Jack- byville, was named a member of the ity program each year since 2000. ■ son, Union City, and Memphis. ■ bank’s board of directors. ■ continued next page

AUGUST 2014 | THE TENNESSEE BANKER 45 Bank Notes continued

Traders Bank Celebrates BankTennessee Holds Donnell Awarded Product Its 125th Anniversary Groundbreaking Liability Defense Award Ceremony in Munford by Who’s Who Legal Thomas M Donnell, Jr, member of Traders Bank, Tullahoma, cele- BankTennessee, Collierville, held Dickinson Wright PLLC, Nashville, was brated its 125th anniversary April a groundbreaking ceremony at the awarded Who’s Who Legal: Product Li- 18, with free hot dogs, drinks, and site for its new branch in Munford. ability Defense 2014. Donnell is among desserts for its customers. Traders The 3,267 square-foot branch with the world’s leading product liability Bank now has branches in Tulla- an expandable second floor sits on a defense lawyers. ■ homa, Manchester, Winchester, and 1.12-acre site at 26 Munford Avenue Shelbyville. ■ and Highway 51. ■ Winston Is New McKenzie Rotary President Buckberg Named Legal McMullen Awarded Brian Winston, an associate of Eagle by Franchise Times Creditors Right Law Carroll Bank and Trust, Huntingdon, Specialist Certification assumed the presidency of the McKenzie Rotary Club when the new officers for ■ Joel Buckberg, shareholder, Baker, Austin L McMullen, partner, 2014-15 were installed in June. Donelson, Bearman, Caldwell & Ber- Bradley Arant Boult Cummings LLP, kowitz, PC, Nashville, was awarded Nashville, was awarded Creditors’ Baker, Donelson, Bearman, Legal Eagle by the Franchise Times. Rights Law Specialist by the Ameri- The annual listing recognizes fran- can Board of Certification. McMul- Caldwell & Berkowitz Receives chise law attorneys on the basis of len is one of only seven attorneys in Beacon of Justice Award input from their peers and clients. ■ Tennessee with this distinction. ■ Baker, Donelson, Bearman, Caldwell & Berkowitz, Knoxville, was named a 2014 Beacon of Justice Award winner by Citizens Tri-County Bank Opens New Business Center the National Legal Aid and Defender As- in Dunlap sociation. The award recognizes law firms that have devoted significant time and Citizens Tri-County Bank’s staff officers, and employees; Dunlap May- resources to improving life outcomes of in- joined local leaders and other visi- or Dwain Land; Sequatchie County dividuals in Tennessee for development of tors to celebrate the opening of its Executive Keith Cartwright; and Se- the onlineTNJustice.org platform which new business center in downtown quatchie County-Dunlap Chamber of provides free legal services via the Internet Dunlap with an open house and Commerce director Marlene Basham. to low-income Tennessee residents. ■ ribbon cutting. “The Dunlap Depot Money fastened to the ribbon Centre served citizens of Dunlap for used in the grand-opening ceremony years, and we’re still carrying out was donated to the Daughters of Home Banking Company that tradition,” said John Barker, Naomi. Special guests at the presen- Celebrates Newest Branch Citizens Tri-County Bank president tation were Loretta Layne, president in Michie and CEO. “We’ve remodeled, we’re and chairman of the Daughters of growing, and we’ve expanded our Naomi soup kitchen in Dunlap, In May, Home Banking Company, offices to better serve our community along with Treva Farley, board mem- Selmer, held a grand opening celebration in whatever the needs may be.” ber of the charitable organization. for its newest branch in Michie. The event Among those attending the rib- Old photos of the depot centre filled downtown Michie as hundreds of bon-cutting ceremony were Barker; and railroad were on display for bank customers and local residents came chairman of the board H. Glenn visitors to view, giving a glimpse of out to enjoy the free food, children’s Barker; CTCB, board of directors, life in Dunlap decades ago. ■ games, door prizes, and live music. ■

46 THE TENNESSEE BANKER | AUGUST 2014 Nashville Bar Foundation George Presented Top Equity Producer Award Announces 2014 Fellows by ProEquities

E. Steele Clayton IV, Anthony J. Doug George, The Hardin County Producer Conference, held earlier McFarland, W. Brantley Phillips of Bank, Savannah, was awarded “The this summer. Bass, Berry and Sims, PLC, Nashville; Top Equity Producer” award by First “Doug George is not only our Stephen W. Ragland of Bass, Berry Protective, the office of supervisory ju- ProEquities top equity leader, but also and Sims, PLC, Memphis; and Jen- risdiction for ProEquities and a regional a gold level qualifier as an elite pro- nifer Kovalcik of Stites & Harbison, life insurance and annuity brokerage ducer,” said Jason Sims, director of PLLC, Nashville were inducted as general agency headquartered in Bir- operations for ProEquities. “He has members of the 2014 class of fellows mingham, AL. George received the been one of our top equity producers by the Nashville Bar Foundation. ■ award at the company’s annual Elite for eight years.” ■

ICBA Ranks F&M Bank, Clarksville, in the Top 50 Strategic Resource Community Bank Leaders in Social Media Management Launches New Website F&M Bank, Clarksville, was its brand and ranked in the Independent Communi- communica- Strategic Resource Management, ty Bankers of America second annual tions strategy.” Memphis, has launched its new web- Top 50 Community Bank Leaders Nearly site, www.srmcorp.com, to provide in Social Media that “highlights the 6,500 com- a more comprehensive overview of community bank social media trail- munity banks how SRM carries out its mission to blazers among the financial industry.” throughout the improve its clients’ bottom lines. SRM The listing is based on fans/followers, nation were excels in uncovering overlooked areas engagement, content, and frequency eligible to be of potential cost savings and revenue of posts. F&M’s social media pres- part of ICBA’s enhancement opportunities in vendor ence involves multiple channels of list. There are contracts. Its new website focuses on communication, including Facebook, approximate- Khandra Smalley four industry areas: financial insti- YouTube, Linkedin, and Twitter. ly 2,500 banks tutions, manufacturing, healthcare, “Consumers are expecting their that have a Facebook and Twitter pres- and retail. financial institutions to have strong ence, including more than 1,700 on Potential clients will be able to brand identity online,” said ICBA ex- Facebook alone. find industry-specific and in-depth ecutive vice president/chief marketing Khandra Smalley, vice president examples of how their business can officer Chris Lorence. “These top com- for market research, spearheads F&M benefit from using SRM’s insight and munity banks and bankers understand Bank’s social media efforts. Sammy experience by uncovering ways to that building a brand goes beyond just Stuard, F&M president and CEO, ac- enhance bottom-line growth. Case a physical presence—they consistently knowledged F&M’s marketing depart- studies featured on the website also introduce fresh content and interact ment for its teamwork in social media provide examples illustrating how with their customers. ICBA is proud and praised Smalley for her consistent SRM has made a positive difference to highlight F&M Bank for mak- leadership and innovation in the bank’s to its clients. ■ ing social media an integral part of social media initiatives. ■

Kimbrough Wins Annual Pinnacle Award—US Bank’s Highest Honor

Rickey Kimbrough, community for outstanding achievement and su- for US Bank. Robbins noted that it’s president of US Bank, Fayetteville, perior performance. “(Kimbrough) because of employees like Kimbrough has won US Bank’s Annual Pinna- deserves tremendous congratulations that US Bank has received several cle Award, the company’s highest for this achievement as he does an accolades this past year, including employee achievement honor. Kim- outstanding job to make sure our cus- recognition in Fortune magazine as brough was among the top 10 per- tomer’s expectations are not only met, one of the world’s most admired cent of top–performing employees but exceeded,” said Mike Robbins, super regional banks. ■ nationwide to win US Bank’s award community banking regional president

AUGUST 2014 | THE TENNESSEE BANKER 47 Community Corner

BancorpSouth’s Sharp Co-chair of Follow Me Celebrity First National Bank Golf Classic of Pulaski Cosponsors

Chester Sharp, vice president rican-American Cham- Entrepreneur Camp and branch manager of the Ban- ber’s youth develop- First National Bank of Pulaski, corpSouth University Branch, will ment program. The Pulaski, cosponsored a free, one- co-chair this year’s Follow Me Ce- Follow Me into day TennesSeed Camp™ with South lebrity Golf Classic on September 9 Business program Middle Tennessee Entrepreneur at Bent Tree Golf Course in Jackson. was founded in Centers (SMTEC) and the Center The Jackson-Madison County Af- 2002 to provide young for Executive and Professional rican-American Chamber of Com- people, ages 12–18, with Development at Martin Methodist merce will host the event. job-training skills and College. The event was entitled Sharp has served as captain of business-basics train- TransformYour Idea into a Success- the company team and has played ing as well as mentor- ful Business. in the tournament every year since ing, employment, and “Our goal is to create economic its beginning in 2011. The annual community involve- growth in Middle Tennessee com- tournament raises funds for the Af- ment opportunities. ■ munities by connecting promising start-ups and young companies with the resources they need to succeed,” CedarStone Bank Selects Bank of America Donates said Dan Marcum, SMTEC exec- Wilson County Teacher to Big Brothers Big Sisters utive director. Also taking part is of the Year of Middle Tennessee Cheri Thomas from the Center for EPD at Martin Methodist College, CedarStone Bank, Lebanon, Mary Walker, vice president of pro- who commented, “Whether you are named Lebanon High School’s grams for Big Brothers Big Sisters of a student interested in learning more Joseph Murphy as 2014 Wilson Middle Tennessee accepted a check for about business, an entrepreneur County Teacher of the Year and pre- $15,000 from Courtney Keenan with with a good idea wanting to create sented him with a check for $1,500. Bank of America, Nashville. The money a business around that idea, this Murphy is the career-technical-ed- will support one-on-one mentoring for program can help take you to the ucation (CTE) graduation coach at middle and high school students in East next level.” ■ Lebanon High School. ■ Nashville. ■

Tullahoma Banks Sponsor Fifth Annual Red Cross Mash Citizens First National Bash at Jack Daniel’s Distillery Bank Gives to Dyer County Farm Watch American City Bank, Tullahoma; Cowles, Heart of Tennessee Chapter First Community Mortgage/Carlene Executive, “The Mash Bash helps pro- Citizens First National Bank, Dy- Smith, Shelbyville; First Vision Bank vide vital funding so that we have the ersburg, has donated $1,000 to the of Tennessee, Tullahoma; and South- infrastructure and resources to respond Dyer County Farm Watch program. ern Community Bank, Tullahoma to disasters large and small, down the The program will take an increased were among the sponsors of the fifth street and across the country, 24 hours role in prevention of rural crimes annual Red Cross Mash Bash to sup- a day.” More than $19,000 was raised in Dyer County by encouraging port the Red Cross. More than 220 through ticket sales and company spon- farmers and producers to participate friends and supporters attended the sorships and all proceeds will go to help with law enforcement to combat June 7 event held on Barbeque Hill the local Red Cross to assist victims of farm theft and vandalism using the at historic Jack Daniel’s Distillery local disasters, such as fires, floods, and latest technology, information shar- in Lynchburg. According to Mike tornadoes. ■ ing, and best practice operations. ■

48 THE TENNESSEE BANKER | AUGUST 2014 Roane County Schools United Cumberland Bank Donates to STAND Coalition Education Foundation United Cumberland Bank President United Cumberland president John- Receives Donations Jim Johnson presented a $5,000 check son stated, “Our bank . . . always will on behalf of the Oneida bank to STAND be committed to support programs that from Local Banks coalition representatives and executive prepare our youth for the future. Being Two Roane County banks, Cit- director Trent Coffey. The grant will be the initial investor in this worthwhile izens First Bank, Harriman, and used as seed money to implement a pilot concept of strengthening the future Citizens National Bank, Kingston, program, “The Service Learning Youth employability of our county’s young contributed funds to the newly Initiative,” that will be placed in both the people only further demonstrates that formed Roane County Schools Oneida and Scott County High Schools. commitment.” ■ Education Foundation, whose purpose is to help support Roane County schools above and beyond FirstBank to Sponsor the Nashville Symphony’s the provision of public tax dollars. Pops & Jazz Series In May, both banks donated a to- FirstBank, Lexington, is pleased to May 7-9, 2015, with an tal of $1,500 and presented these sponsor the Nashville Symphony’s 2014- evening of Broadway hits. donations to Jeff Sliger of the RCS 15 Pops Series and Jazz Series concerts “FirstBank believes the ■ Education Foundation. at Schermerhorn Symphony Center. The Nashville Symphony is one of our com- bank recently announced a three-year munity’s finest treasures, and we are Pinnacle Financial partnership as sponsor of the Pops series. extremely pleased to show our support Kicking off September 11-13, the First- through the Pops Series sponsorship, Partners Sponsors Bank Pops Series will feature the Nashville “said Chris Holmes, FirstBank president Cumberland University Symphony performing with eight lead- and CEO. “This partnership works very Phoenix Ball ing pop acts, including The Four Tops, well with our own ‘Art of Community’ Kenny Rogers, Styx, Boyz II Men, and collection highlighting Tennessee artists Pinnacle Financial Partners, Kenny G. Tony award-winning performer and reflects our community-based ap- Lebanon, is a silver sponsor of Bernadette Peters will close the series on proach to doing business.” ■ The Phoenix Ball, a black tie gala benefiting Cumberland University. This year the event supports the Pinnacle Financial Partners Sponsors Prospect Pro-Am university’s athletic programs as Golf Tournament the university prepares for its move Pinnacle Financial Partners, Leba- “Pinnacle has been a title sponsor to the NCAA. Pinnacle donated non, was the title sponsor of the Pros- of the Prospect Pro-Am for the past six $3,000 for the 31st year of the gala, pect Pro-Am Golf Tournament, May 8 years because the fundraiser is crucial to which took place, June 7. The event at Hermitage Golf Course. This is the . . . people of all ages with disabilities featured a silent auction during the annual fundraiser benefiting Prospect, in our community,” said Carol Ann pre-ball reception, followed by a Inc, a Lebanon-based nonprofit provid- Griffin, the office leader for Pinnacle’s live auction during the ball. ■ ing support services and employment to West Baddour Parkway location. The people who have disabilities or other bank donated $5,000 to Prospect, Inc First Citizens National barriers to personal independence. for the event. ■ Bank Presents Donation Sevier County Bank First State Bank Honored to the Dyersburg Cosponsors Comedy Tour by Dresden High School Rehabilitation Center Girls Basketball Team First Citizens National Bank, The “Talk Is Cheap” comedy tour Dyersburg presented a $1,000 do- traveled to Sevierville for a two-hour pro- The Dresden High School Girls Bas- nation to the Dyersburg Tennessee gram cosponsored by Sevier County Bank, ketball Team with their coach Jonathan Rehabilitation Center. Bank staff Sevierville, and held at the River Plantation West visited First State Bank, Dresden, present for the ceremony were John Conference Center. This was the kickoff recently to present bank staff with a Tucker, regional president; Laura for the third annual Smoky Mountain plaque in recognition of the bank’s sup- Beth Butler, chief financial officer; Celebration and the fundraiser for a va- port of the team during the year. First and Katie Winchester, chairman riety of Sevier County causes, including State Bank made a monetary donation of board of directors and member cystic fibrosis research, Safe Harbor, Sevier and later provided a meal for the team TRC board of directors. ■ County High School minor sports. ■ during tournament games. ■

AUGUST 2014 | THE TENNESSEE BANKER 49 Promotions

Edward Brundick has joined Ar- credit officer for Trust Company Bank, president from vice president for loan gent Trust Company of Tennessee, Mason, and senior vice president for administration; Michael Jones to vice Memphis, as market president. Bank of Bartlett. president and director of internal audit and BSA officer; Sally Lee to vice president; Amanda Dean to as- BancorpSouth Bank, Jackson, has BB&T Insurance Services, Knox- sistant vice president of the mortgage promoted Jeffrey A. Lester, CTFA, ville, has promoted Rob Huffaker to division; and Carrie Hendrick, to Jackson to first vice president and senior vice president and director of assistant controller. Aida G. Lovelace to assistant vice Tennessee employee benefit operations. president and human resources co- Huffaker holds certification in CLU, ordinator. CHFC, RHU, and REBC designations. Brian Dunston has joined Fifth Third Bank, Nashville, as vice president and wealth management ad- Bank of Camden, Camden, has Marquica Beasley has joined Capital visor of the bank’s named James Matthew Moorehead Bank, NA, Nashville, as a branch man- private banking team. president for the Chapel Hill and ager. Previously, Beasley was an assistant Previously, Dunston Marshall County operations at First vice president client support and BSA worked at HMS Cap- State Bank, a division of Bank of liaison with Civic Bank & Trust. ital Management, Camden. Moorehead, a CPA, previ- where he served as ously worked in the Chapel Hill and director of client ser- Nashville area banks as a teller, loan CapitalMark Bank & Trust, Chat- Brian vices. Greg Wilson, officer, and bank auditor for several tanooga, has announced the addition Dunston commercial banking years. of a new banker team led by J. Bryan Fifth Third Bank, veteran, joined Fifth Nashville Fryar, J. Christopher Ramey, and Jen- Third to serve as the nifer Mount. CapitalMark B&T’s local Midsouth market Bank of Frankewing, Frankewing, banker team with Mark Feemster and executive for West has promoted Alesia Janes to vice Allison Roberson now includes Brandon Tennessee. Based in president and manager of the credit Deering, a former credit analyst with Memphis, Wilson department; Jennifer Reese to vice expertise in commercial, industrial, and will work as a senior president and assistant to the presi- hospitality lending. commercial banker dent; and Keri Helton to assistant vice for the West Tennes- president and centralized mortgage Greg Wilson see counties and Mis- Fifth Third Bank, loan processor in the Pulaski office. Evolve Bank & Trust, Memphis, Nashville sissippi and Arkansas announced that Janet Hendrix is now regions focusing on a new officer in the compliance de- middle market clients. With extensive BankTennessee, partment. Hendrix brings 25 years of experience in the financial industry, Memphis, has added banking and compliance experience including nine years in commercial Jay Crews to its office from multiple financial institutions to banking, he previously was vice pres- in East Memphis as her new position. ident of global commercial banking vice president and for America Merrill Lynch. commercial lender. Lamont Bunch has joined the Crews has 25 years’ F&M Bank, Clarksville, has an- bank as a financial center manager Jay Crews experience as a na- nounced the promotion of seven em- and assistant vice president. Aman- BankTennsee, tional bank exam- ployees: Jo Hughes, to senior vice da Conklin, Jeff Grady, and David Memphis iner and in lending/ president from vice president and Trotter have joined Fifth Third Bank management roles in both regional director of security; Shela Williams, to as mortgage loan originators. In addi- and national banks. Prior to joining senior vice president from vice pres- tion, the bank promoted Drew Clum BankTennessee, Crews served as ident for branch administration and to mortgage loan officer. executive vice president and chief marketing; Sue Palmore, to senior vice

50 THE TENNESSEE BANKER | AUGUST 2014 Christen Tressler and Kayla Hol- Tennessee region, including Wilson Coun- commercial lender; Jennifer Holliday bert have joined First Freedom Bank, ty. Sergent, who joined First Tennessee joined as a treasury management of- Lebanon, as customer service repre- in 2009, will continue to work with two ficer; and Mike Muniz was added as sentatives. First Freedom also named financial centers in Lebanon and the two a mortgage loan originator. John Hawkins as a relationship financial centers in Mount Juliet. specialist. FSG Bank, NA, Athens, welcomed First Tennessee Bank, NA, Nashville, 20-year banking veteran Gina Suits, First Horizon National Corpora- has named Daisy Casey as president of who is now the branch manager at tion, Memphis, announced the pro- its banking division in Sumner County. the South Congress Parkway office motion of Dane Smith to executive Casey joined First Tennessee in 2009 in Athens. Previously, Suits was the vice president and corporate treasurer, and most recently served as part of branch manager at the Gunbarrel replacing Thomas Adams, Jr, who is the bank’s retail leadership team in Road office in Chattanooga. retiring. Smith joined First Horizon in Nashville. Other bank promotions 2004 in the corporate strategy group. announced included Ronnie Bass, vice As assistant treasurer, he has supported president and financial center manager Julie Parks joined Heritage Bank, various capital, liquidity, investment, at Indian Lake, Hendersonville, office; Clarksville, as office manager/lender and balance sheet activities in addition Sean Orlando to vice president, financial at the Main Street office. Parks has to managing the company’s $3 billion center manager; Rachel Stampley to 27 years’ banking experience, holds investment securities portfolio. vice president, financial center manager; 6 and 63 investment licenses, and is John Derreck Bentley to assistant vice licensed to sell life insurance. president, financial center manager; William Pyle recently joined First Drew Brooks to assistant vice president, National Bank, Knoxville, as vice financial center manager; and Charlene InsBank, Nash- president and consumer/commercial Williams to assistant vice president, ville, has named Pat- lender for its Tellico Village office. financial center manager. rick Wright as first With a banking career of 20-plus vice president and years, Pyle has worked for First relationship manag- Tennessee Bank, NA, EdFinancial Jamie Kyle has joined the First er. Prior to joining Services, Regions Bank, and BB&T. Volunteer Bank, Chattanooga, as vice InsBank, Wright’s president and market leader for the Patrick banking career spans Gunbarrel Road office. Kyle has 15 Wright nearly 30 years in- InsBank, First Tennessee Bank, NA, King- years’ banking experience including Nashville cluding serving as a sport, has named Victoria “Cori” recent service as a vice president and senior vice president/ Stamper as the financial center man- branch manager for a regional bank. area executive with First South Bank ager for the Memorial Boulevard in South Carolina. office in Kingsport. With eight-plus years of banking experience, Stamp- FirstBank, Lexington, has increased er recently worked for Wells Fargo its focus on real estate lending, adding Magna Bank, Memphis, has Bank in Virginia. seven people for its Middle Tennessee named Jodi Scruggs, with more than residential construction team, including 12 years’ banking experience, as a vice Bill Waldkirch as leader and senior vice president and private banking officer. First Tennessee Bank, NA, Knox- president. Other members of the team ville, promoted Amber Young to vice are: Alex Hartz, Michael McClellan, president in trust for the East Tennes- Brenda McKee, Chuck Scruggs, Greg Emily Dresch has joined Metro- see market. Kassandra Richardson Templeton, and Nelson Vest. politan Bank, Nashville, as a senior joined the bank as a trust officer. Pre- managing director of private banking. viously, Richardson was a senior credit Previously, Dresch was a senior vice manager at Wells Fargo Financial. Franklin Synergy Bank, Franklin, president of private banking with promoted the following staff members: BancorpSouth Bank. Jason Ezell to vice president; Mike Gar- First Tennessee Bank, NA, Lebanon, land to vice president; Beverly Dinsdale has named John Sergent as the bank’s to assistant vice president; and Cindy Kandy Henegar has joined Mid- new Wilson County president. Sergent Stephens to bank officer. The bank South Bank, Murfreesboro, as a currently leads the sales team for 15 also announced that Chris Marchetti mortgage loan originator. financial centers in the bank’s Middle joined as a senior vice president and continued on next page

AUGUST 2014 | THE TENNESSEE BANKER 51 Promotions continued

Paragon Bank, Memphis, has Computer Services, Inc, Austin, TX, Previously, Brooks was market presi- promoted two staff members and has welcomed the addition of John dent for Manatee County, FL. welcomed two new additions to their Grimes as its new business develop- team. Emily Friedman was promoted ment director for the Southeast region. to senior vice president and commer- Grimes brings 20-plus years’ business Citizens Bank, Kingsport, has pro- cial lending group portfolio manager, strategy and process improvement ex- moted three employees to vice presi- and George Daley to vice president perience within the community banking dent: Scott Hammerbacher, compliance and commercial credit analyst. Jon industry to his new position giving him officer; Matt Lewis, network adminis- Roskos joined Paragon as vice presi- a perspective on the impact regulatory trator; and David Oiler, consumer/ dent and banking center manager at compliance can have on an institution’s mortgage lender. Hammerbacher, the Saddle Creek location, and Wes bottom line. Through his expertise, with the bank since 2007, assists with Minton was added to the bank team Grimes will assist community banks in the regulatory compliance efforts in as a mortgage loan consultant. adhering to government regulations and lending and deposits. Lewis has spent increasing IT operating efficiencies. all 16 of his years with the bank in the information systems department. Oiler Bobby Stogner has joined The Peo- currently is in his 11th year at Citizens ples Bank, Knoxville, as vice president Rob Parker was promoted to partner Bank and assists customers with their of community banking. at Crowe Horwath LLP, Brentwood. credit needs from personal loans to purchasing or refinancing a home. In addition, Jacob M. Harris, with MocTavius Demonbreum has Gullett Sanford Robinson & Martin a decade of experience in commercial joined Pinnacle Financial Partners, PLLC, Nashville, has promoted Cathey banking in the Tri-Cities region, has Nashville, as a vice president and Gwyn to member and welcomed Joshua joined Citizens to focus on commer- credit advisor. Previously, Demonbre- R. Denton as a member. cial banking and business develop- um was a corporate banking portfolio ment, and David F. Mowell, joined manager with US Bank. In addition, the bank to work in communications Heather Raley has joined Pinnacle as Andrew Johnson Bank, Greeneville, and marketing strategies. a trust adviser assistant, Matt Milam has promoted two staff members— as a financial adviser assistant, and Brent McGlothin to vice president/loan Meredith Brown as a credit specialist. officer/business development in the Garth Kilburn and Scott McDaniel Morristown branch and Christy Lewis have joined Commerce Union Bank, to assistant vice president/deposit ser- Springfield, as vice presidents and Evelyn Doan Tade vices coordinator. account executives. has joined Renasant Bank, Nashville, as senior vice president The Bank of Nashville, a Division Cumberland County Bank, Cross- and commercial re- of Synovus Bank, Nashville, has named ville, has announced the appointment lationship manager Alene Gnyp vice president and mortgage of Doug Parkey to appointed presi- for equipment finance consultant and Carolyn Daniels as vice dent/CEO and Joe Young to president Evelyn Doan and leasing. Tade has president and mortgage consultant; emeritus. In addition to Parkey’s new Tade more than 30 years’ Justin Frizzell as assistant vice president role with Cumberland County Bank, Renasant Bank, Nashville experience in com- and mortgage originator; and Eric Gat- he will continue to serve as executive mercial banking, plus working at the lin as vice president and market sales vice president of BPC Corporation. Federal Reserve Bank of Atlanta. Rick leader. In addition, the bank promoted Roberts has joined Renasant as vice Christian Poling to assistant vice presi- president and commercial relationship dent and mortgage loan officer. F&M Bank, Brentwood, has named manager. Previously, Roberts was a Patrick Jones as a mortgage loan orig- business banking relationship manager inator. Jones brings over 10 years of with Regions Bank. David Brooks was promoted to se- mortgage services experience in Ruth- nior vice president at BB&T, Nashville. erford, Davidson, and Sumner counties.

52 THE TENNESSEE BANKER | AUGUST 2014 First Farmers and Merchants development officer at its new Mur- Pinnacle Financial Partners, Nash- Bank, Columbia, has named four freesboro office on West Main Street. ville, has named Vanessa Spickard, bankers to lead Nashville’s new Green In addition, the bank promoted Matt with 12 years’ financial services ex- Hills financial center—Richard S. Layton to assistant vice president and perience, as senior vice president and Sevier, Berry Brooks, Rory Mallard, Nichole Sutton to executive assistant for office leader for its West Baddour of- and Rita Conner. the Murfreesboro branch office. fice in Lebanon. Previously, Spickard Sevier, a banking veteran of 40-plus served as branch manager of SunTrust years, is senior commercial relation- Bank’s Mount Juliet financial center. ship manager—a position he’s held at Ty Smithson has joined First State Carol Ann Griffin, who was formerly the First Farmer’s Cool Springs office Bank, Kenton, as agricultural loan offi- office leader and financial advisor since 2009. Brooks, a career banker of cer in the ag services department. for Pinnacle’s West Baddour location more than 30 years, 14 of those years for seven years, will devote all her with First Farmers, is also a senior time to her financial advisor role. commercial relationship manager. Jack Williams has joined Foothills In addition, Pinnacle named Bobbie Mallard, the private banking/business Bank & Trust, Maryville, as vice presi- Johnson and Sarah Stringfellow as banking officer at First Farmers’ Cool dent of commercial lending in the bank’s service specialists. Springs office since 2011, becomes Farragut office on Kingston Pike. commercial relationship manager at the Green Hills office. Conner comes Jeremy Cook has joined Pinnacle to First Farmers to manage the Green Heritage Bank & Trust, Columbia, Financial Partners, Knoxville, as Hills financial center from Capital has promoted Debthy Brown to lead senior vice president and leader of Bank, NA, Nashville, where she was client banker of its Northside branch the bank’s new Emory Road location vice president and branch manager and Kim Adams to lead client banker opening later this year. Previously, he since 2011. at the main office. was a regional vice president at Clay- First Farmers and Merchants also ton Bank & Trust. named Brady Gardner a commercial relationship manager at the Cool Patriot Bank, Covington, has pro- Springs office. Previously, Gardner moted Lillie Stollings, an employee of Renee Carpenter has joined Rena- was a commercial special assets of- 11 years, to vice president. sant Bank, Memphis, as a mortgage ficer with First Tennessee Bank, NA. lender for the Memphis market.

Peoples Bank of East Tennessee, Jim Tompkins, with 24 years of Madisonville, has promoted Dustin Security Bank, Dyersburg, has banking and financial experience, Atkins to first vice president and chief promoted Jared Agee to senior vice has joined First National Bank of operations officer; James Hahn to first president, technical services; Stacey Pulaski, Pulaski, working with com- vice president and retail banking man- Bell to senior vice president, cash mercial customers and small business ager located in the bank’s Loudon office; management/administration; Hal partners. Brad Hunt to vice president, serving also Johnson to senior vice president of as Vonore’s branch manager; Brenda loan administration and compliance; White, vice president, also was named Megan Brock to vice president of Greg Douglas has branch manager for the Sweetwater marketing; Marilyn Buffaloe to vice joined First Vision office; Jonas Turpin was promoted to president of deposit compliance and Bank, Tullahoma, assistant vice president serving in the fraud management; Mark Emison, as vice president and accounting department and Jennifer CPA, to vice president of deposit commercial relation- McDaniel to assistant operations officer compliance and BSA; Paulette Hud- ship manager and serving in the bookkeeping department. dlestun to vice president of e-banking will be located in Amanda Jack was promoted to assistant and card services; Bill Joyner to vice Greg the bank’s Franklin vice president serving as the designated president of the Trenton branch; and Douglas County office. Doug- fixed-rate mortgage lender for the Duck- Jennie Hightower to assistant vice First Vision Bank, Tullahoma las has spent the last town-McCaysville-Murphy tri-state area president of retail and BSA. 11 years in the bank- and headquartered in the McCaysville ing and financial services industry, branch. Cindy Prince was promoted to serving five years most recently as assistant vice president where she current- Sevier County Bank, Sevierville, branch manager and loan officer with ly works as branch manager of Ducktown promoted Aaron Medlin to a senior Southern Community Bank. First Vi- office, and Tammy Ware was promoted to customer service representative. sion named Bill Coleman as business loan officer at the Ducktown office. continued on page 55

AUGUST 2014 | THE TENNESSEE BANKER 53 INFORMATION = POWER Get in shape for your next exam!

Request a free Custom Exam Preparation Report and get prepared for your next exam. This report is driven by thousands of bankers who have anonymously taken our survey. No more exam surprises! Request your Custom Exam Preparation Report at www.allbankers.org Employment Opportunities

– mergers & acquisitions, product development, sales for developing new business and profitability of a com- POSITION WANTED & marketing, retail operations, facilities, deposit commercial portfolio. Strong sales and service culture are ex- 1407-7 CEO/SRO/BDO pliance, security & risk management. Contact Jennifer pected, with emphasis on sound underwriting decisions Results-driven executive with extensive record of se- Benefield via e-mail [email protected] or call 919-616-4189. and closing skills. Requires community involvement, nior-level leadership contributions, accomplishments, a strong work ethic, and the ability to communicate and career growth in the banking industry since 1979. clearly with staff, as well as good customer service/ Strengths include operational leadership, financial public relation skills. Requires bachelor’s degree in management, loan portfolio growth, new business POSITIONS AVAILABLE finance or related field and 10 years’ minimum banking experience with preference to strong commercial loan development, and community involvement. Contact 1407-8 PUBLIC ACCOUNTANTS AND Daryle Keck via e-mail to [email protected] or call experience. Serious and qualified applicants may submit 865-607-9057. MANAGEMENT CONSULTANTS resume and salary expectations to the Human Resources Pershing Yoakley & Associates, PC (PYA) seeks qualified Director, Susan Zerambo, at [email protected]. candidates to join our growing team of public accountants 1405-2 SRO/CFO and management consultants. For more than 30 years, 1406-13 SENIOR COMMERCIAL LENDER & BUSI- Community bank executive with 15 years of ex- our more than 200 professionals have worked with clients perience as chief financial officer. Has MBA with in a variety of industries including some of the nation’s NESS DEVELOPMENT OFFICER super-regional bank training and community bank largest healthcare organizations. This is an attractive First Community Bank of East Tennessee is seeking experience. Experienced in asset liability manage- opportunity in a fast–growing, multi–faceted firm. PYA a senior commercial lender & business development ment, accounting, liquidity management, financial recruits talented professionals with an entrepreneurial officer. This position is responsible for generating analysis, strategic planning, and budgeting. Contact spirit and challenges them to excel in a dynamic culture commercial loan and deposit growth, servicing existing Brian Hawkins via e-mail Brian.Hawkins2014@ that fosters both productivity and a balance between commercial customers, and monitoring loan portfolio gmail.com or call 706-340-1078. professional and personal goals. The successful individual to ensure compliance with approved loan structure. will serve as a cohesive team member who consistently Must be sales-oriented and possess strong credit analysis skills, a high degree of initiative, and strong 1404-4 SECOND RANKING OFFICER/BRANCH demonstrates high integrity and reliability within a professional environment. To apply for any of our open communication skills. Bachelor degree in business or ADMINISTRATION HEAD positions, please visit www.pyapc.com/careers. finance and 5 or more years of experience in commer- Innovative, result-proven financial services executive cial lending activities, with a heavy emphasis in credit with over 23 years of banking experience. Highly determination activities, are highly desirable. Sales effective strategic leader with demonstrated ability to 1407-6 COMMERCIAL LOAN OFFICER and supervisory experience required. Apply via e-mail successfully manage teams, meet large-scale delivera- Well-respected, stable community bank in a very desirable to [email protected] or fax to 423-272-1962. bles, and ensure enterprise success. Seeking position East Tennessee market is seeking a motivated, sales-driven Please identity the position for which you are applying. commercial loan officer. This position will be responsible – CAO, retail operations exec, facilities. Qualifications continued on next page

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

Promotions continued

SmartBank, Knox- Allen O’Briant has joined SunTrust Natasha Bodiford and Jacob ville, welcomed the Robinson Humphrey, Memphis, as Schuetze have joined Lattimore Black addition of Brad T. managing director within fixed income Morgan & Cain, PC, as staff accoun- Sweet as first vice sales trading and research. tants. president, commercial lender. Sweet is working in SmartBank’s Harry Goldsmith has joined Bass, Eric Elliott has joined Pershing Brad T. Cedar Bluff office Berry & Sims, PLC, as senior counsel. Yoakley & Associates, Knoxville, as Sweet and brought with him a tax principal. SmartBank, Knoxville more than 10 years of experience in the fi- Crowe Horwath LLP, Brentwood, nancial industry. Previously, Sweet was promoted Rob Parker to partner. Parker Aubrey Reedy Woods has joined vice president of commercial banking was previously senior manager. Scott-Riddle Consulting PLLC, Jack- with FirstBank. son as an associate. ■

Josh Rosenblatt has joined Frost SunTrust Mortgage, Inc, Nash- Brown Todd LLC, Nashville, as a senior ville, has named William Burke as associate attorney. senior loan officer.

AUGUST 2014 | THE TENNESSEE BANKER 55 Employment Opportunities continued

1406-7 ELECTRONIC BANKING SUPPORT Primary responsibilities of this position are processing team of banking professionals in the Chattanooga SPECIALIST residential and consumer loans; running renewals and market. This position markets commercial real estate Growing East Tennessee community bank has im- modifications on the bank’s processing system; writing (CRE) products and services to prospects and clients. mediate opening for an electronic banking support tickets or blocks for new/renewed/modified loans; This position also will develop and maintain relation- specialist. This position provides customer service and sending funding wires for secondary market loans; ships with commercial clients to generate revenue and technical support to both internal and external custom- handling post-closing functions including paying for deposit growth. Additionally, he/she will be responsible ers related to internet banking, mobile banking, remote appraisals, attorney fees etc; fielding loan officers/cus- for commercial clients with commercial real estate credit deposit capture, cash management, and other electronic tomer questions; and researching problems. A detailed needs for single or total CRE loan concentration typically banking products and services. Prefer minimum 2 job description is available upon request. Education and of $2.5MM or greater. An expert knowledge of the CRE years’ experience in banking; demonstrated ability to experience requirements: 3 year’s job–specific experience construction loan philosophy and process is required for provide excellent customer service; knowledge of PC and a working knowledge of compliance related to con- this position. Cohutta Banking Company offers excellent and mobile device hardware and operating systems; sumer loans, financial institution policies, procedures, salary plus incentive pay based on performance, in addi- knowledge of internet browsers; proficient in Microsoft and regulatory requirements as they relate to the loan tion to an excellent benefits package including: medical, Office; ability to handle multiple tasks; excellent com- department. Sumner Bank & Trust is an Equal Oppor- dental, disability, vision, 401(k), employee stock purchase munication skills; strong attention to detail; excellent tunity Employer supporting diversity in the workplace. plan, paid vacation and holidays, EAP, and opportunities time–management, organizational, and planning skills; If Sumner Bank & Trust sounds like a place where you for advancement. Minimum Requirements: bachelor’s strong problem–solving skills. ACH knowledge a plus. can succeed, please submit your resume with detailed job degree in business administration, finance, accounting, or Ideal candidate must be able to work in a fast-paced history, education, and pay history, plus compensation related field, or an equivalent combination of education environment, meet strict deadlines, and communicate requirements to: Sumner Bank & Trust, Attn: HR, 780 and experience; 6 or more years of commercial lending effectively with internal and external clients. Orga- Browns Lane, Gallatin, TN 37066 or e–mail slowman@ experience as a lender with demonstrated experience nization is an equal opportunity employer and does sumnerbankandtrust.com. working with large commercial clients and complex lend- not discriminate on the basis of race, color, gender, ing agreements. Prefer minimum 5+ years’ experience in religion, age, sexual orientation, national or ethnic 1406-1 BANK OPERATIONS OFFICERS, AUDITORS, a specialized commercial real estate lending function. Interested applicants, please apply online: www.cohutta- origin, disability, marital status, veteran status, or any AND/OR NETWORK ADMINISTRATORS bank.com. Synovus is an Equal Opportunity Employer other occupationally irrelevant criteria. Send resumes NETBankAudit, a leader in the performance of IT/oper- supporting diversity in the workplace. M/F/D/V/AA to [email protected]. ational and compliance audits and assessments for regional and community financial institutions, is looking for bank 1406-6 TELLER operations officers, auditors, and/or network administrators 1405-5 SBA LOAN COORDINATOR Growing community bank in Middle Tennessee seeks to join our exceptional team in providing IT audits, compli- BancorpSouth in Tupelo, MS, is looking for a SBA loan teller for Franklin/Cool Springs location. Duties ance audits, information security risk assessments, and other coordinator responsible for the oversight of the lending include, but are not limited to, branch and deposit internal audit services to our growing community financial process for SBA 7(a) and other SBA products. Daily du- operations, balancing individual cash drawer and main client base. NETBankAudit is headquartered in Alexandria, ties will include assisting business and commercial lenders vault, handling checking and savings transactions, VA, with offices in Nashville and Kingsport, TN, and has with the application, underwriting, and documentation processing loan payments and night deposits, cashing over 500 banking clients in the eastern portion of the US. requirements as well as management reporting. We checks, and reviewing logs and reports. Responsibilities The position ultimately will require the performance of IT/ desire someone with at least 1 year of experience with also include vault and safe deposit operations. Previous operational and compliance audits and/or vulnerability the stated responsibilities or someone with business un- bank teller experience preferred but not required. At a assessments for financial institutions. On the job training derwriting/analysis experience. We will consider recent minimum, must be high school graduate. Must possess will be provided until a sound working knowledge of IT college graduate with a degree in finance. Please send good communication and math skills. Must be able to audit, COBIT, GLBA, and FFIEC is developed. Other e-mail and resume to [email protected]. interact professionally and courteously with the public. avenues such as consumer compliance, BSA, SOX, and Must be comfortable with Microsoft Word and Excel. traditional internal auditing are also available. Further, 1405-4 CHIEF FINANCIAL OFFICER Bank offers competitive compensation and benefits training related to the performance of technical network CFO that thinks like a CEO. This is one of the most including medical, dental, life insurance, and 401(k). vulnerability assessments will be offered. Benefits include entrepreneurial thinking organizations in the banking Qualified candidates please e–mail your resume and top salary commensurate with experience, 401(k) program, industry with exceptional reputation, growth, and salary requirements to [email protected]. bonus program, profit sharing, medical benefits, flex hours, innovation. Requires a demonstrably strategic thinker, and office in home. Telecommuting is allowed. Some travel well versed in current trends and technologies but rooted 1406-5 CREDIT ANALYST required. Additional salary information: salary to match in sound accounting and finance guidelines, principles, Middle Tennessee community bank seeks credit experience. Relocation expenses are negotiable. MUST BE A requirements, and regulations. Day–to–day oversight analyst for commercial lending department to assist US CITIZEN. Preferred locations: middle or east Tennessee. and direction includes treasury, accounting, budget and the head credit analyst in the extension of credit Four-year degree with an accredited college or institution is budget analysis, tax and audit responsibilities, financial/ and maintenance of credit quality within the bank. recommended, master education a plus. CISA and/or CISSP accounting systems and controls, standards and risk Essential duties and responsibilities include, but are designation is required. CPA, CIA, and/or CFE designations management, reports for management and board, asset/ not limited to, writing all commercial and consumer are encouraged but not required. Other designations related liability management. Provide support on acquisitions credit proposal memos for monthly loan committee to BSA, ERM, consumer compliance, and technology are and mergers, investments, ROE/ROA improvement meetings, packaging minutes to present at the monthly also viewed extremely favorably. Applicant must have strategies, alliances, trends, and contracts. Environment board meeting, ordering all commercial and residen- banking experience, including but not limited to internal is dynamic, competitive, and forward–looking. Need the tial appraisals and reviewing them for compliance auditor, operations, and/or IT experience or experience as ability to provide accurate projections of requirements with USPAP and FIRREA regulations, and preparing agency regulator/auditor. A working knowledge of FFIEC and strategic plans for capital, land, buildings, and monthly large relationship reports to help the bank requirements is necessary as well as methodologies such workforce. Requirements: Must have comparable finan- monitor these relationships to stay within lending as; control objectives for information technology (COBIT), cial management experience in banking or transferable limits. Knowledge, skill, and ability required for the National Institute of Standards and Technology’s (NIST), environment as CFO, CEO, assistant CFO, VP finance, job include proficiency in Microsoft Word and Excel; generally accepted system security principals (GASSP), or equivalent. Must have management experience in excellent writing skills; general knowledge and under- and Sarbanes-Oxley (SOX 404). Experience in performing credit, finance, accounting, capital allocation, financial standing of loan terms and structure; organizational technical internal and external vulnerability testing is also a planning, capital structure and debt management, risk skills; and the ability to work well and communicate plus. Must be proficient with computer usage and auditing management, and financial integrity. Send resume to: with others internally and externally. Interested ap- of systems and applications common to banking industry. Jennifer Munro, EagleVision Performance Solutions, plicants may submit resumes and salary requirements Previous experience and/or demonstrated knowledge of the Inc, via e–mail [email protected] or fax to [email protected]. above matters and methodologies is considered extremely 561-584-5553. beneficial. Highly motivated individuals with strong work ethics and good people skills are encouraged to apply by 1406-2 RESIDENTIAL/CONSUMER LOAN 1404-15 COMMERCIAL LOAN OFFICER III emailing a resume to [email protected]. This position is responsible for developing new business PROCESSOR and growth and profitability of a commercial portfolio Sumner Bank & Trust is looking for an experienced consisting of large, complex commercial relationships. residential/consumer loan processor to join our dy- 1405-6 COMMERCIAL REAL ESTATE BANKER This position maintains strong sales and service culture namic, rapidly growing business in Sumner County. Cohutta Banking Company, a division of Synovus Bank, is seeking an energetic sales professional to join our dynamic with emphasis on sound underwriting decisions. The

AUGUST 2014 | THE TENNESSEE BANKER 56 employee also services and maintains existing portfolio and 65 license; Variable Annuity License; State Life, and clients, as well as maintaining client relations. and actively promotes the bank’s product and services Accident, and Sickness License. Preferred Skills: -ChFC Qualifications include BS/BA degree in accounting, through community activity and marketing efforts. and/or CFP certifications. Cohutta Banking Company CPA or CPA candidate, excellent communication and Performance of the duties requires a strong work ethic, offers excellent salary plus incentive pay based on per- analytical skills. Financial institutions experience a excellent organization and analytical skills, as well as formance, in addition to an excellent benefits package plus. We are looking for candidates with excellent attention to detail. Also, requires clear communication including medical, dental, disability, vision, 401(k), em- organization and time management skills, who like and good customer service/public relation skills. Grad- ployee stock purchase plan, paid vacation and holidays, to be challenged and have a great customer service uation from an accredited 4-year college with bachelor’s EAP, and opportunities for advancement. Interested mindset. Competitive salary based on experience. degree in finance or related field or a minimum of 10 applicants, please apply online: www.cohuttabank.com. Qualified candidates please send resume and referenc- years of banking experience primarily in commercial Synovus is an Equal Opportunity Employer supporting es to [email protected]. We are an EOE! lending or any equivalent combination of education, diversity in the workplace. M/F/D/V/AA training, and experience which provides the required 1403-8 SENIOR AUDIT ASSOCIATE knowledge and abilities. Potential applicants can access 1404-2 LOAN OPERATIONS DOCUMENTATION Crowell & Crowell, PLLC, a growing CPA firm in a full job description by going to www.newpeoplesbank. SPECIALIST – IMMEDIATE OPENING, NASHVILLE Franklin, TN, is currently seeking qualified candi- com and clicking on “Career Opportunities.” Send The loan operations documentation specialist supports dates to fulfill senior audit associate position. As a resumes to [email protected]. the vice president of lending operations and participates senior associate, you will be responsible for planning on a small work team to manage the process and com- and leading audit engagements, designing the audit 1404-14 CONSUMER & SMALL BUSINESS LENDER pletion of loan packages from approval through funding approach to address risk, and effectively communi- Farmers & Merchants Bank is seeking a qualified to ensure expeditious processing and improve the client cating the results of your procedures. In addition, you consumer and small business lender for Gibson and experience over the lifetime of the relationship. This will maintain existing client relationships as well as Madison County. The bank seeks decision makers position also supports the organization’s lending staff foster new client relationships. Qualifications include who can manage the credit process from application and other employees, as needed, often functioning as BS/BA degree in accounting, CPA or CPA candidate, to approval and closing. Ideal candidate should have a contact point for business partner and clients needs excellent communication and analytical skills, at least 5 plus years’ experience in banking, preferably in a related to loan processes. This position requires technical 3 years’ audit experience with a public accounting sales role, and possess well–developed analytical and acumen—loan documentation experience with the La- firm or an internal audit department, supervisory communication skills. Position involves solicitation serPro system is required. Responsibilities will include, experience in leading a team through successful and servicing of new business as well as the man- but are not limited to, the following: coordinates loan audits, and knowledge of auditing standards and agement of existing portfolio. Candidate must be document preparation; researches and reviews collateral GAAP. Financial institutions experience a plus. We knowledgeable of current bank lending regulations. lien positions, reports potential issues impacting lien are looking for candidates with excellent organization Excellent opportunity for the right candidate with priority to team; monitors insurance associated with and time–management skills, who like to be chal- salary and benefits package aligned to qualifications. loan collateral requirements; files UCCs as needed; lenged and have a great customer service mindset. Qualified candidates should submit resume and salary and manages document imaging requirements for the Competitive salary based on experience. Qualified expectations to Human Resource Director Renee loan process. Please e-mail resumes to Lori.Rochelle@ candidates please send resume and references to HR@ Morris at [email protected] or PO Box 308, PathwayLending.org. crowellandcrowell.com. We are an EOE! Trezevant, TN 39258. 1403-6 CSR SUPERVISOR 1403-13 COMMERCIAL LOAN OFFICER, 1404-12 CREDIT ANALYST Landmark Community Bank has an opening for a GOODLETTSVILLE Currently seeking a Credit Analyst for Commerce customer service rep (CSR) supervisor for its Nash- First State Bank is a multi-location financial services Union Bank. Must have a minimum of 5 years’ ville Music Row branch. Duties include training and organization throughout the State of Tennessee. We analytical experience with a strong knowledge of supervising teller/CSR employees, ensuring branch is are currently accepting resumes for a commercial loan collateral documentation, financial statements, and in compliance with FDIC, building and maintaining officer in our Goodlettsville, TN, office. Candidates cash–flow analysis. This position will work closely strong relationships with customers, cross–selling must have a proven track record to develop, manage, with loan officers and assistants to obtain current bank products, as appropriate, and working with loan and sustain a variety of individual and commercial financial information and prepare written credit officers to develop deposit relationships. Performs banking relationships by prospecting, cross-selling, analyses for new deals, renewals, and annual account teller/CSR functions when necessary. Requires a high relationship managing, and providing customer service. servicing events. Please e-mail responses to hr@ school diploma and at least 3 years of work experience Candidates must have excellent customer interaction commerceunionbank.com. in a retail banking environment. Must demonstrate skills, including strong oral and written communication strong interpersonal and communication skills. skills. This position is highly focused on commercial Requires basic math skills, working knowledge of 1404-7 SMALL BUSINESS/COMMERCIAL LENDER loan production. This job requires a bachelor’s degree computers, and the ability to solve common problems. Locally owned community bank in Middle Tennessee and a minimum of 2 years of experience with commercial Compensation is competitive and depends on previous is seeking a motivated, sales-driven small business/ lending or equivalent work–related experience. This experience. Employee benefits include medical, dental, commercial lender with 3 or more years’ experience position also requires a minimum of 1 year of on-the- and life insurances; short–term and long–term disabil- in small business/commercial lending, as well as a job credit training experience. First State Bank offers ity insurance; and 401(k) plan. Qualified candidates proven track record of managing relationships and competitive salaries and excellent benefits. Please mail should e-mail their resumes to ppowlas@TNBankers. developing new business. Will be required to facil- or e–mail resumes with cover letter to: [email protected] org with “Employment 1403-6” in subject line or itate and close loans while representing the bank or First State Bank, Attn: Human Resources, 1720 West mail to #1403-6, c/o Tennessee Bankers Association, through community involvement and promotion of End Ave, Ste 500, Nashville, TN 37203. EOE M/F/D/V the bank. In addition to a strong sales ability, appli- 211 Athens Way, Suite 100, Nashville, TN 37228- cant should possess solid credit administration skills. 1301. Landmark is a state–chartered, nonmember 1403-12 ACCOUNTING CLERK A bachelor’s degree in finance or business preferred. bank headquartered in Collierville, TN, with three Tri-State Bank of Memphis is currently seeking an ac- Serious and qualified applicants please e-mail resumes additional branches in the Memphis area. Landmark counting clerk to join its team in Memphis, TN. Duties to [email protected] with “Employment opened its first branch in Nashville last year and will include reconciling general ledger accounts; preparing #1404-7” in subject line or mail to #1404-7, c/o open two additional branches in middle Tennessee this and posting journal entries; processing accounts payable Penny Powlas, Tennessee Bankers Association, 211 spring. EOE/M/F/D/V. and maintaining vendor files; reconciling bank state- Athens Way, Suite 100, Nashville, TN 37228-1381. ments; and verifying the accuracy of invoices and proper EEO/AA/M/F/Vets/Disability coding. Acts as backup for other accounting staff and 1402-6 RELATIONSHIP MANAGER/BUSINESS

perform GL maintenance as needed. Requires a high DEVELOPMENT 1404-6 FINANCIAL CONSULTANT school diploma with 1 -3 years’ experience in accounts Growing community bank in Marshall County is Cohutta Banking Company, a division of Synovus payable or general accounting; associate’s degree a plus; seeking a motivated, sales-driven lender to service Bank, is seeking an energetic sales professional to banking experience preferred; Microsoft Excel–profi- the Chapel Hill/Lewisburg area. Duties will in- join our dynamic team of banking professionals. cient; attention to detail and well organized. An Equal clude developing new loans, while servicing and The financial consultant position is a commissioned Opportunity/Affirmative Action Employer-AA/EO- cultivating existing relationships. Will be required sales position providing investment consultation E/M/F/D/V. Send resumes to [email protected]. to facilitate, structure, and close loans while repre- to the public on stock, bonds, annuities, mutual senting the bank in the community by community funds, and other securities open in the Chattanooga 1403-9 STAFF AUDIT ASSOCIATE involvement and promotion of the bank. Must and surrounding markets. Incumbent adheres to Crowell & Crowell, PLLC, a growing CPA firm in have strong sales skills, 3-5 years of banking or applicable laws, regulations, and rulings governing Franklin, TN, is currently seeking qualified candidates financial service business experience, strong com- services, policies, and procedures of securities sales. to fulfill staff associate position. As a staff associate, munication and interpersonal skills. A bachelor’s Minimum requirements: b achelor’s degree in a re- you will be responsible for conducting internal and degree in finance or related field is a plus. Serious lated discipline; 2+ years of job-specific experience; external audit engagements, identifying and communi- and qualified applicants submit resumes to wtn. Certifications - Series 7, Series 66, or both Series 63 cating accounting and auditing matters to management [email protected]/ ■

AUGUST 2014 | THE TENNESSEE BANKER 57 Actions of Bank Regulatory Agencies

TENNESSEE DEPARTMENT OF TN; and Melanie B. Cole, Williamsburg, - Waverly, 208-210 West Main Street, FINANCIAL INSTITUTIONS VA (end of comment period: newspaper Waverly, TN 37185 Bank of Camden, Camden, TN, ap- 6/27/14; Federal Register 7/7/14). - North Roan Street, 2105 North plication to close Apex Bank branch, Roan Street, Johnson City, TN 37601 a Division of Bank of Camden, 4536 First Alliance Bancshares, Inc, Cordova, - Kingsport, 1201 North Eastman Nolensville Pike, Suite G, Nashville, TN, application for change in bank Road, Kingsport, TN 37664 TN 37211 (effective 6/2/14). control of First Alliance Bancshares, Inc, - Greenville Plaza, 1545 East Andrew and its subsidiary, First Alliance Bank, Johnson Highway, Greeneville, TN First National Bank of Pikeville, Cordova, TN (returned 6/24/14). 37745 Pikeville, TN, 441 Spring Street, - Lewisburg Public Square, 125 North 37367. Converted to a state-char- First Citizens Bancshares, Inc, Dyers- First Avenue, Lewisburg, TN 37091 tered commercial bank and changed burg, TN, request for extension to - Kingston, 616 North Kentucky its name to First Farmers and Com- 11/13/14 to merge with Southern Her- Street, Kingston, TN 37763 mercial Bank. Philip L. Crawford, itage Bancshares, Inc, Cleveland, TN, - Rockwood, 511 North Gateway, president and CEO; J William Pope, and thereby indirectly acquire Southern Rockwood, TN 37854 chairman. The bank has branches at Heritage Bank (granted 7/2/14). (received 6/23/14). the following locations: 1251 North Main Street, Crossville, TN, and OFFICE OF THE COMPTROLLER National Bank of Tennessee, New- 721 Rankin Avenue, Dunlap, TN OF THE CURRENCY port, TN, application to close West (approved 5/19/14; effective 6/1/14). First Tennessee Bank, NA, Memphis, Branch, 575 West Broadway, New- TN, application to purchase the fol- port, TN 37821 (received 4/7/14; FirstBank, Lexington, TN, applica- lowing branches from Bank of America, closed effective 6/30/14). tion for new branch at 510 Columbia NA, Charlotte, NC: Avenue, Franklin, TN (approved - Columbia Downtown, 200 West Sev- Community National Bank of The 10/15/13; opened effective 6/9/14). enth Street, Columbia, TN 38401 Lakeway Area, Morristown, TN, - Hatcher Lane, 1404 South James terminate application to merge na- FEDERAL RESERVE SYSTEM Campbell Boulevard, Columbia, TN tional to state bank, TriSummit Bank First Alliance Bancshares, Inc, notice 38401 (effective 7/1/14). by Tyrone A. Burroughs, German- - West State Street, 2406 West State town, TN, individually and as part of Street, Bristol, TN 37620 First Tennessee Bank, NA, Memphis, a family control group to gain control - Sparta, 469 West Bockman Way, Spar- TN, application to establish new of First Alliance Bancshares, Inc, Cor- ta, TN 38583 Jacksonville Banking Center, One dova, TN. The family control group - North Military, 225 North Military Enterprise Center, Jacksonville, FL consists of Tyrone A. Burroughs, Nel- Avenue, Lawrenceburg, TN 38464 32202 (received 1/30/14; approved da F. Burroughs, and Burroughs In- - North Locust Avenue, 1225 North Lo- 3/17/14; opened effective 7/11/14). ■ vestment Group, all of Germantown, cust Avenue, Lawrenceburg, TN 38464

2014-2015 Schedules Have Been Posted! AIB Educational Online Programming

For more information about AIB, contact: Debbie Brickles - [email protected] Senior Vice President of Training & Development 800/964-5525 or 615/244-4871 or www.TNBankers.org

58 THE TENNESSEE BANKER | AUGUST 2014 Professional Development Calendar

August 4, 5, 6, 7, 8, 11, 12 September 16, 17, 18 October 30 & 31 Membership Meetings CEO Forums – Session 3 of 3 Independent Bankers Division Cookeville, Chattanooga, Kingsport, TBA Gilliam Board Room, Nashville Convention DoubleTree by Hilton, Nashville Knoxville, Nashville, Jackson, Memphis September 23 & 24 August 12 The Southeastern Institute November 5 2013-2014 Senior Compliance for IRA Training Branch Management Series Officer Forums – Session 4 of 4 Franklin Marriott Cool Springs, Franklin – Session 4 of 4 TBA Barrett Training Center, Nashville September 24, 25, 26 TBA Gilliam Board Room, Nashville 2014-2015 Senior Lender Forums August 13 & 14, 15 – Session 1 of 3 November 6 Internal Audit Programs TBA Barrett Training Center, Nashville 2014-2015 Senior Human TBA Barrett Training Center, Nashville Resources Forums – Session 1 of 3 September 28 - October 1 TBA Gilliam Board Room, Nashville August 19 NEW CEO/Executive Management NEW Risk Management: Conference November 6 Enhancing Our Banking Model Laguna Niguel, California 2014-2015 Retail Banking TBA Barrett Training Center, Nashville September 30 Officer Forums – Session 1 of 3 August 26 & 27 Branch Management Series TBA Barrett Board Room, Nashville Training the Credit Analyst – Session 3 of 4 TBA Barrett Training Center, Nashville TBA Gilliam Board Room, Nashville November 6 & 7 Bank Security and Risk August 28 & 29 October 1 & 2 Management Conference Basic Consumer Lending Compliance Conference Nashville Airport Marriott, Nashville TBA Barrett Training Center, Nashville Nashville Airport Marriott, Nashville October 16-17 November 13 September 4 Trust & Wealth Management 2014-2015 Senior Compliance IRS Reporting Conference Officer Forums – Session 1 of 4 TBA Barrett Training Center, Nashville TBA Barrett Training Center, Nashville TBA Barrett Training Center, Nashville September 8, 9, 10, 11 October 20, 21, 22, 23 - Evening November 14 BSA/AML Compliance EVENING New Accounts in Tennessee IT/Operations Officer Forums Management Jackson, Nashville, Kingsport, – Session 3 of 3 Kingsport, Knoxville, Jackson, Knoxville TBA Gilliam Board Room, Nashville Nashville October 22, 23, 24 November 17, 18, 19, 20 CFO/Controller Forums September 15 & 16, 16 & 17, NEW Integrated Disclosures and – Session 3 of 3 17 & 18 Revised Finance Change Rules TBA Gilliam Board Room, Nashville Compliance with Federal Jackson, Nashville, Knoxville, Kingsport Lending Regulations October 28, 29 Knoxville, Nashville, Jackson Personal and Business Financial November 19 & 20 Statement & Tax Return Analysis Bank Directors Retreat Knoxville, Nashville Hermitage Hotel, Nashville NOTE: While this calendar represents October 30 current programs for 2014 scheduled by December 2 Workshop for Loan Assistants NEW Credit Risk Management Role TBA at print time, occasionally other “hot and Loan Processors topics” are added to the calendar throughout in Enterprise Risk Management Nashville the year. We encourage you to look at the Memphis monthly calendar in The Tennessee Banker October 31 magazine and visit www.TNBankers.org for NEW Commercial Real Estate December 2, 3, 4 the most current information about TBA Construction Lending IRA Update and Review events and programs. TBA Barrett Training Center, Nashville Knoxville, Nashville Jackson

AUGUST 2014 | THE TENNESSEE BANKER 59 First National Bankers Bank PROVIDING A SAFE, NON-COMPETITIVE ENVIRONMENT FOR COMMUNITY BANKS FOR MORE THAN 30 YEARS

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

SERVICES INCLUDE

Cash Management Services 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

800.318.6272 www.bankers-bank.com