TENNESSEE BANKERThe Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers...

JUNE 2014 | THE TENNESSEE BANKER 1

Volume 102 • Number 6 • June 2014

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4 THE TENNESSEE BANKER | JUNE 2014

THE T ENNESSEE BANKERPublished monthly by the Tennessee Bankers Association

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

Volume CII / Number 6 / June 2014

OFFICERSJeff Agee / Chairman

First Citizens National Bank, Dyersburg

William B. Marsh / Chairman-elect First Commerce Bank, Lewisburg

David Verble / Vice Chairman Citizens National Bank, Sevierville

STAFFAdministration

Colin Barrett / President Stacey Langford / Senior Vice President

of Membership Steve Curtis / Vice President of

Information TechnologySharon Justice-McCray / Vice President

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

Administration / LegalT’Lanie Luu / Member Services

SpecialistSandra Johnson / Training Center CoordinatorKim Burnett / Receptionist

Accounting / InsuranceAngela D. Griffin, CPA / Executive

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

ClerkFelisha Gatlin / Accounts Payable Clerk

Legal / Government RelationsTimothy L. Amos / Executive Vice

President / General CounselAmy Smith / Senior Vice President /

Deputy Counsel

EducationDebbie M. Brickles / Senior Vice President

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

President of Professional DevelopmentMonique Jenkins / Education

Services Specialist

CommunicationsDianne W. Martin / Vice President /

Director of CommunicationsJennifer D. Bennett / Assistant Director

of CommunicationsLila Griffin / Proofreader

The Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers Association, 211 Athens Way, Ste 100, Nashville, TN 37228-1381; telephone 615-244-4871. Advertising rates available upon request. Subscriptions: $40.00 per year for TBA members; $55.00 for nonmembers; single copies, $6. Tennessee residents add 9.25% sales tax. Periodical postage paid at Nashville, Tennessee. POSTMASTER: send address changes to The Tennessee Banker, 211 Athens Way, Ste 100, Nashville, TN 37228-1381.

Copyright © 2014, Tennessee Bankers Association; all rights reserved. The Tennessee Bankers Association disclaims all responsibility for opinion expressed in addresses, papers, or communications published in The Tennessee Banker unless such opinion has been endorsed by the Tennessee Bankers Association.

Tennessee Centennial Exposition, Nashville, 1897

The Tennessee Centennial and International Exposition celebrated the 100th anniversary of Tennessee’s entry into the union in 1796. Many cities and organizations built buildings and exhibit halls on the Exposition grounds. Among the most prominent were those of Nashville itself, and its nearby rival, Memphis. Nashville designed its pavilion after the Parthenon in Greece due to the city’s nickname as The Athens of the South. Memphis’s exhibit, in honor of its Egyptian name, was a large pyramid. The Parthenon is the only structure to survive the Exposition and remains a tourist attraction to this day.

On the COver

COntentsTHIS MONTHMaking Benefit Plans Work—David Shoemaker & Ken Derks ..........................12

Day on the Hill Recap .......................................................................................14

LEADERSHIP CONVENTION Young Bankers Elect New Leadership ...........................................................16 Tweets about the Convention .......................................................................18 Business Sessions ..........................................................................................20 Thank You to Our Sponsors ...........................................................................22 Personal Economics Program Awards ...........................................................23 EverFi Presents Education Awards ................................................................27 Photo Album .................................................................................................28

Tennessee Banks Support 4-H Congress ..........................................................30

Train the Trainer Workshop Scheduled for July 31 ...........................................31

Human Resources Conference – Photo Review ................................................32

Regional Workshops to Cover Fair Lending Compliance.................................34

The Southeastern School of Consumer Credit Graduates ...............................35

ABA Community Commitment Awards – Entry Deadline Is July 1 ...................39

DEPARTMENTSFROM THE EXECUTIVE OFFICE—Colin Barrett Regulatory Feedback Initiative ........................................................................7

FROM THE TOP—John H. Buhrmaster The Three Rules .............................................................................................10

WASHINGTON UPDATE—Frank Keating It’s a Wonderful Career ..................................................................................11

Employment Opportunities ..............................................................................41

Actions of Bank Regulatory Agencies ..............................................................42

TBA Professional Development Calendar ........................................................43

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Let your voicebe heard !

Take the RFI* survey at www.allbankers.org

*RFI = Regulatory Feedback Initiative

By taking our survey you are providing anonymous feedback that will be used to hold regulators accountable. More than 2000 bankers have already participated.

Take a stand. Take the survey.

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Regulatory Feedback InitiativeCreating Accountability with Federal Regulatory AgenciesBy Colin Barrett, President, Tennessee Bankers Association

From the Executive Office

Three suggestions for this month: P Visit www.allbankers.org to learn more about how your bank can participate in the Regulatory Feedback Initiative. Together let’s hold our federal regulators accountable.

P EverFi@Work is a turnkey, new-media way for banks to drive targeted product campaigns, empower customers, and promote financial responsibility. It is delivered by TBA–endorsed partner EverFi. Contact Ryan Swift, [email protected], or visit everfiatwork.com to see how @Work delivers measurable results, increases customer loyalty, and enhances your brand.

P Banker–to–banker networking and learning through the TBA Forums continue to be our fastest–growing education programs. Consider registering for the CEO, CFO/Controller, Senior Lender, Senior Compliance Officer, Risk Management Officer, Human Resources, or IT/Operations forums. Contact Debbie Brickles at [email protected] for more information.

G iven the av-alanche of new require-

ments resulting from the Dodd Frank Act, identifying inconsis-tencies in how bank-ing regulations are being enforced and improving the ex-amination process is more important than ever. Both regulators and bankers are strug-gling to understand and implement the new regulations, with the impact being felt the most in the exam-ination arena.

For over a year now, TBA has advo-cated for passage of HR 1553, the “Financial Institutions Examination Fairness and Reform Act.” This legislation is designed to bring some common sense changes to the exam process, including requiring regulators to issue final examina-tion reports within 60 days, setting a deadline for exit interviews, and allowing banks the right to appeal material determinations in final re-ports to an independent entity.

The bill has received wide bipar-tisan support, with 143 cosponsors. We are fortunate to have eight out of our nine Tennessee congressmen as supporters—Fincher, Blackburn, Cooper, Fleischmann, Black, Dun-can, Roe, and DesJarlais. Unfor-tunately, Washington gridlock and,

not surprisingly, push back from federal regulators have stalled the bill in the House Financial Services Committee. Even if it were to pass that committee and the full House, it would face an uphill battle in the Sen-ate where most legislation goes to die.

But instead of waiting for Congress to act, the TBA board recently ap-proved a new initiative to bring fairness and consistency to the examination process—the Regulatory Feedback Initiative (RFI). This is a program created by the Coalition of State Bank Associations to hold federal regulators accountable for exam practices.

RFI uses confidential electronic sur-veys completed by bankers after their examinations to gather information

and identify discrepancies in enforce-ment of regulations. When sufficient data has been collected from surveys, participating banks can request a re-port from TBA that summarizes the feedback of similarly situated banks based on asset size, primary federal regulator, or region.

Before examiners even step into a bank, RFI can provide bankers with information about what issues will be covered in an examination, how a regulation may be enforced, or what kind of experience the bank down the street had during a recent exam. Be-ing armed with this information prior to an examination will be a powerful

continued on page 9


From the Executive Office

tool in exam preparation efforts.Bankers need not be concerned about

providing exam-related information in the surveys. All surveys are anonymous, and data cannot be traced back to the reporting bank, as it is reported only in aggregate form. And participation will not violate the confidentiality requirements associated with exams. The federal banking regulatory agen-cies have reviewed the questions within the survey and expressed no concerns regarding confidentiality. In fact, they even expressed strong interest in view-ing the aggregated survey results to help improve their examination practices.

RFI will create a new level of trans-parency in and bring increased fairness and consistency to the examination process. But, the success of RFI depends on banks’ integrating the survey into their ongoing regulatory compliance processes and completing a survey im-mediately following an exam. One of the primary benefits of the initiative is the ability to identify discrepancies in “real time.” Bankers have a unique opportunity to improve the industry’s regulatory climate and hold examiners accountable by making their experiences known after each exam.

Please join TBA in helping to hold your federal regulators accountable. Participate in RFI. It is available to all TBA member banks at no cost.

More information about the Regula-tory Feedback Initiative can be found at www.allbankers.org. ■

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President’s Column

Regulatory Feedback Initiative continued


The Three Rules

From the Top

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

B e responsible, be respectful, and be truthful. These are the three rules of good conduct

in my family’s household. No com-plicated list of rules, just these three simple rules upon which my children can judge their own actions.

As a father to three amazing chil-dren, I find myself talking about these three rules over and over again. And that’s not because any of my children often find themselves in the family dog house. To the con-trary—these are three rules that I require myself to live by every day. In doing so, in leading by example, my wife, Leslie, and I are cognizant of our actions and what they mean for the well-being of others, including our children.

So, naturally, we some-times find ourselves talking about these important rules over family dinners and get-togethers. They also car-ry over a few miles to the west to First National Bank of Scotia—the other place I call home. As a community banker, these same rules apply. It’s simple, as I want the best for my family, I want the best for my customers. When we follow these rules, everybody wins.

As one community banker to an-other, I know I don’t have to remind you about these rules. You know the well-being of your customers is essential to your ongoing livelihood, and they’re an extended part of your family. So you know that every action that’s not responsible, respectful, or truthful will only harm rather than

help people and communities. That’s why you take your principles as a com-munity banker so seriously.

I only wish that those on Wall Street would do the same. I can’t help but think what pain might have been avoid-ed if those on Wall Street had reminded themselves about these three simple rules of good conduct during the years leading up to the financial crisis. While it does us little good to think in terms of

what might have been, I have a feeling that the term “Great Recession” might never have been added to our grand-children’s history books if these simple rules—be responsible, be respectful, and be truthful—had been followed by all.

While we can’t change the past, we certainly can speak up now to change the future. Greater protections against future crises and additional financial

diversity will help reduce systemic risk, mitigate taxpayer exposure to bailouts, promote competition, and ultimately provide essential credit to consumers and businesses.

All of this is smart public policy. These are important but not foolproof steps, and you can’t legislate every good behavior in the marketplace. Well-informed consumers should have the ultimate say in who they want to

do business with. They should have the power to make a final choice.

And we have that choice too, every day, to say that we are going to live by the rules that we set as standards for ourselves and for others. Not all rules are bad. Sometimes they are there for a reason. That’s why community banks really have an opportunity to serve as role models for Wash-ington’s policymakers looking to further rein in Wall Street’s careless financial institutions. After all, we have a time-test-ed, completely accountable business model that’s based completely on the trust and well-being of our customers.

So go ahead and know that by following the rules and

doing the right thing, you are making a difference by setting the right exam-ple. You are setting the bar high, and quite frankly, when our customers, communities, and economy’s liveli-hood is on the line, that bar ought to be high for everyone. ■

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

Be responsible

Be truthful

Be respectful


It’s a Wonderful Career

Washington Update

By Frank Keating, President and CEO, American Bankers Association

O ne aspect of the holiday film classic “It’s a Wonderful Life” is how it examines the

grim alternate reality of a town, Bed-ford Falls, and what befalls the people who live there without the presence of community banker George Bailey.

It’s not pretty. Dreams become nightmares. Homes don’t get built, businesses fail or don’t even get started, and the quality of life in the community is much diminished. The lesson in this is that George Bailey made a difference in people’s lives.

If we pull the camera back and look at the banking industry today and its impact on our economy, we see 2 million people who, like George, work in banks, volunteer in their communities, and make a difference.

Banking, as I like to point out, is a noble profession. It’s also innovative, challenging, and a platform from which young high school and college graduates can launch successful, ful-filling careers. Those careers can rise as far as people can dream through life-long learning programs offered by state bankers associations and ABA.

Helping bankers develop their ca-reers and enhance their profession is a long-established tradition. In 1900, for example, ABA established the forerunner of the American Institute of Banking. Its purpose: “To unite, fraternally and socially, through lo-cal chapters or otherwise, all those engaged in different localities in the banking business…who desire to improve themselves by devoting a portion of their time to the study of the matters connected with the bank-ing business.”

Banks like yours also have built

a tradition of banker learning, profes-sional development, and career growth. You offer on-the-job training and en-courage your employees to further their educations through a variety of courses, seminars, and training programs.

Many of you also set up tuition assis-tance and reimbursement programs for job-related coursework to help employ-ees increase their capabilities for current and future positions.

Banks and their trade associations do this because we recognize the impor-tance of hiring and inspiring the next generation of bankers. We want to groom more George Baileys whose service and ex-pertise will help start-ups get off the ground, established businesses grow, and families buy their first homes.

We want employees who—as ABA will cel-ebrate this year with its first George Bailey Dis-tinguished Service Award—give freely of their time, ener-gy, and resources for volunteerism, community ser-vice, and charity.

This next gen-eration of George Baileys—today’s high school and college gradu-ates looking to make a start in banking—will be the ones to bring productive

change to your institutions. They will be the key to serving customers and growing communities across the na-tion. And through careers in banking, they too can find a wonderful life. ■

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

>>>Learn more about the George Bailey Distinguished Service Award on page 39


T o attract and retain key execu-tives, banks have implemented nonqualifed benefit plans as

part of their overall compensation strategy. One of the challenges of bank board members is to understand what is or is not included in these agreements and how the agreement terms affect other agreements—such as change-in-control, employment contracts, equity plans, and others.

Prevalence of Nonqualified PlansSuch plans are common in the

banking industry. According to the American Bankers Association 2013 Compensation and Benefits Survey, 64 percent of banks surveyed offer some kind of nonqualified deferred com-pensation plan for top management—CEO, C-Level, EVP, and 45 percent of respondents offer a supplemental ex-ecutive retirement plan (SERP). Types include performance-driven benefit plans, director retirement plans, death benefit or survivor income plans, and phantom stock or stock appreciation rights (SARS) plans.

To avoid violating the US Depart-ment of Labor rules concerning plan eligibility, participants in nonqualified plans should be limited to a “select group of management or highly com-pensated employees,” which, taking a conservative approach, is typically no more than 10 percent of a company’s employees. In addition, the included employees should have the ability to affect or substantially influence the design and operation of their deferred compensation plan.

It is important for the board to understand the terms of their deferred

compensation plans and the potential ramifications. Com-mon questions that arise regarding some key agreement terms are:• What happens if

the executive choos-es to retire early or extend the time to retirement? Gener-ally the benefits are payable at the time the executive separates from service. Depending on the plan design and the board’s intent, the benefit amount for delayed retirement may remain the same or may be increased.• What happens in the case of in-

voluntary termination or termina-tion-for-cause? Termination-for-cause provisions often include forfeiture of some or all of the benefit.• What happens if the executive be-

comes disabled? Some plans provide that payments commence upon separation from service due to disability while some commence at normal retirement age.• What type of vesting is common

in plans? Since nonqualified plans are not governed by ERISA (Employee Retirement Income Security Act), they may use a number of different vesting options, including: immediate, graded, cliff, rolling, or at-retirement. Vesting will vary depending on the objectives of the plan, tenure of the executive, and annual expense accruals required.• What type of noncompete/nonso-

licitation terms are included? Some agreements include a definition of these terms, although many banks include them in separate agreements which

should be consistent. The length of the noncompete/nonsolicitation period as it relates to a nonqualified plan is typically 12 to 36 months, but may last as long as the benefit is being distributed.

Nonqualified benefit plan agree-ments should be reviewed together with other compensation-related agreements, such as those mentioned above. So-called “golden parachute rules” are discussed in a separate article and are a perfect example of why a thorough review of all such agreements is critical.

Agreements generally include oth-er terms such as pre- and post-retire-ment death, change-in-control, and form and timing of payment.

Key items to consider/evalu-ate when reviewing plans and agreements include:• Are key terms consistent with

other implemented agreements such as employment agreement, change-in-control agreements, noncompete/nonsolicitation, long-term incentive plans, and equity plans?• Has the total cost of a change-

in-control based on the agreement

Making Benefit Plans Work: It’s All in the ContractBy David Shoemaker & Ken Derks, Equias AllianceOriginally published on BankDirector.com


provisions, including the accelerated vesting of benefits, been calculated and discussed with the board?• Are the plans properly document-

ed in accordance with IRC Section §409A as appropriate, which governs deferred compensation plans?• Does the plan provide a meaning-

ful benefit to the participant? Many plans were designed at a time when the benefit was meaningful, but the participant’s role and compensation may have changed significantly.

SummaryNonqualified benefit plans will

remain an important piece of the overall compensation strategy to attract and retain key officers, but it is critical to design meaningful and effective plans and ensure the plan documentation language is clear and

Shoemaker

Derks

About the AuthorsDavid Shoemaker, CPA/PFS, CFP®, and Ken Derks are

principals of Equias Alliance. Through consultants, Equias has assisted over 800 banks in the design of nonqualified benefit plans, perfor-mance–based compensation, and BOLI. To learn more, contact David Shoemaker at 901-754-4924 or [email protected] or Ken Derks at 469-252-1037 or [email protected].

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Day on the Hill Introduces Bankers to the Legislative Process

T BA’s Young Bankers Division hosted its annual Day on the Hill the first Tuesday of March.

Although winter weather kept some of the pre-registered bankers at home, 20 bankers still joined the TBA staff at the capitol. The success of the day is a credit to the value TBA members place on strong legislative relations and encouraging their younger staff to become involved in the political process.

The day-long program began with breakfast in the Capitol, and Speaker of the House Beth Harwell welcoming the group to “the people’s house.” Harwell spoke about the priorities of the House, the importance of political involvement, and some of the “hot topic” issues before the legislature.

Following Harwell, Lieutenant Gov-ernor Ron Ramsey spoke about the history of his position, how he manages the supermajority of Republicans in the Senate, and one of the hardest responsi-bilities of his office—assigning members to committees.

Senator Jack Johnson, chairman of the Commerce and Labor Committee, also addressed the group about the priorities for his committee. As the only current senator from the banking industry, Johnson offered a unique and valuable perspective for the bankers in attendance.

A highlight of the 2014 event, as in the last several years, was the luncheon hosted by Bone McAllester Norton, PLLC, at their law firm across the street from Legislative Plaza. The

luncheon included excellent food, a valuable networking opportuni-ty for the bankers, and a spirited, informative panel hosted by Bone McAllester attorney Trace Blanken-ship. The panel featured four of the state’s top representatives—Major-ity Caucus Leader Glen Casada, Chairman of the House State Gov-ernment Committee Ryan Haynes, Minority Leader and former TBA Chairman Craig Fitzhugh, and Mi-nority Caucus Leader Mike Turner.

Following the luncheon, partic-ipants had opportunities to view committee hearings and visit with their individual legislators before the program concluded in the late afternoon.

For more information about programs presented throughout the year by the Young Bankers Division, please contact Stacey Langford at [email protected]. ■

House Speaker Beth Harwell Lt Governor Ron Ramsey Senator Jack Johnson

a division of the Tennessee Bankers Association

Young Bankers Division


THANK YOU TO OUR SPONSOR

1. Laura Cole, Rep William Lamberth, Daniel Greer, and Kirby Thompson 2. Kirby Thompson, Robby Moore, Rep Steve McManus, Lauren Smith, Stacey Langford, Suzanne Walker, and Debbie Reid 3. & 4. (Right) Lunchtime Disucssion Panel with: Trace Blankenship, Rep Ryan Haynes, Rep Mike Turner, Rep Craig Fitzhugh, and TBA Young Bank-ers Division President Robby Moore5. Laura Cole, Ray Comer, Ron Allen Powell, Billy Snyder, Doug Haehl, Daniel Greer, and Allison Mathis 6. Debbie Reid, Suzanne Walker, and Michael Griffith

1 2

4

3

65

Young Bankers Division


Leadership Convention

Young Bankers Elect New Leadership

Executive officers for 2014-2015 are Immediate Past President Robby Moore, Vice President Chris Schlueter, President Emily Gray, and President-elect Bo Blanken.

M embers of the TBA’s Young Bankers Division met in Destin, FL, April 27–29,

for the division’s annual Leadership Convention. Approximately 150 bankers, associate members, and their guests attended the meeting. The 2013-2014 division president, Robby Moore, Bank of Perry County, presid-ed over convention activities.

The convention followed its tra-ditional format of business sessions on Monday and Tuesday mornings, with evening social events on Sunday and Monday. Monday afternoon was open for games in a special area on the resort’s beach or exploring the Destin area and all the activities available to visitors.

New OfficersEach year during the Tuesday

business session, delegates elect new officers and directors to lead the divi-sion in the upcoming year. Delegates elected the following bankers to serve as executive officers for 2014-2015:• President – Emily Gray, Senior

Vice President/Senior Credit Officer, The Hardin County Bank, Savannah• President-elect – Bo Blanken, As-

sistant Vice President, Citizens Bank and Trust Company of Grainger County, Rutledge• Vice President – Chris Schlueter,

Vice President, FirstBank, Nashville

• Immediate Past President – Robby Moore, Senior Vice President, Bank of Perry County, Hohenwald

As president of the division, Gray will serve as an ex-officio member of the Tennessee Bankers Association board of directors.

DirectorsIn addition to the four executive

officers, the Young Bankers Division is governed by a nine-member board of di-rectors composed of three directors from each of the three grand divisions of the state—East, Middle, and West. Directors serve a three-year term, with one director from each of the grand divisions rotating

off each year to be replaced by a newly elected banker from the same division.

Directors elected to the board during this year’s convention were:• East Tennessee - Josh Lane, Vice

President/Lending Services, TN-BANK, Knoxville• Middle Tennessee - Samuel L.

Short, Vice President, Southern Bank of Tennessee, Mount Juliet• West Tennessee - Danielle Wil-

liams, Financial Center President, First Citizens National Bank, NewbernDirectors who will continue their

terms on the board are:• East Tennessee – John Hunter,

Commercial Relationship Manager,

“I would encourage every ‘young banker’ to get involved with the division and

also challenge each CEO to send their institutions’ rising stars to participate

in the YBD’s activities. The positive impact on your bank in so many ways

is something you can’t always measure with a dollar sign.”

– Emily Gray, The Hardin County Bank, Savannah

2014-2015 Young Bankers Division President


People’s Community Bank, a di-vision of First Community Bank, Johnson City, and Mark Kline, President/CEO, The First Nation-al Bank of Oneida, Oneida• Middle Tennessee – Michael

D. Griffith, Vice President/Busi-ness Banking and Development, Security Federal Savings Bank of McMinnville, McMinnville, and Luke Buckley, Vice President, First Commerce Bank, Lewis-burg• West Tennessee - John Killen,

City President, Carroll Bank and Trust, Camden, and Andy Col-lins, Vice President, Commercial Bank & Trust Co, Paris

The following three bankers completed their three-year terms and rotated off of the board:• East Tennessee – Devin

Ralston, Vice President, The Community Bank of East Ten-nessee, a division of Southern Bank of Tennessee, Clinton• Middle Tennessee – Chris

Schlueter, Vice President, First-Bank, Nashville (Schlueter was elected vice president)• West Tennessee – Michelle

Bing, Vice President and Board Secretary, Reelfoot Bank, Union City

They received plaques in rec-ognition of their service to the Young Bankers Division.

Mission of the Young Bankers DivisionThe Young Banker’s Division was estab-

lished in 1960 and is devoted to preparing Tennessee’s young bank officers to become the industry’s next generation of leaders.

The members of the division represent

Newly elected YBD President Emily Gray is from Adamsville, TN, and grad-uated from Adamsville High School. Her husband Brandon now coaches football at that high school. They have one son, Jon Canton, who just turned 6 and will start kindergarten next year.

“I am a senior vice president and senior credit officer at The Hardin County Bank, but like many community bankers, I get to wear a lot of different hats,” Gray said. “This was my first job out of college. I start-ed in 2001 after graduating from Samford University. With support and encouragement from my family and from Gordon Majors, president and CEO of the bank, I decided to go to law school in 2002, and I graduated from Nashville School of Law in 2006.”

“I am looking forward to the upcoming year as president of the Young Bankers Division,” Gray continued. “I would say that participation with this group has been one the best things I have done to further my career. I have been able to capitalize on so many opportunities at my bank, despite my age, because of what I learned through TBA educational programs and the connections that I have made with other bankers over the years.”

“I would encourage every ‘young banker’ to get involved with the division and also challenge each CEO to send their institutions’ rising stars to participate in the YBD’s activities. The positive impact on your bank in so many ways is something you can’t always measure with a dollar sign.”

Newly elected president, Emily Gray, presented an engraved clock to Robbie Moore, outgoing president, in recogni-tion of his service to the division.

financial institutions across the state of Tennessee. They serve as trustees for The Southeastern School of Bankingsm (TSSB), a two-year general banking school con-ducted annually by the TBA.

L-R: Members of the 2014-2015 board of directors are Emily Gray, Robby Moore, Sam Short, Chris Schlueter, Josh Lane, Danielle Williams, Michael Griffith, Andy Collins, Bo Blanken, Mark Kline, Luke Buckley, and John Killen

A Note About the New President

continued on page 19



The 2014 Leadership Convention created quite a bit of buzz across the twitter-verse. Check out what our attendants said about this year’s speakers and events.

Like what you see? Read even more tweets and enjoy some great photos by searching #TBALeadership in your pre-ferred twitter client.

Melanie Luckey @melanieluckey45.7% of rules from Dodd-Frank haven’t been implemented. #SeanSnaith #TBALeadership

Clint McCain @CMcCainHBSThankyou @TennesseeBanker for a great conference. Thank you for you leadership @colinbarrett @langford_stacey #YoungBankers #TBALeadership

Melanie Luckey @melanieluckeyConnectons made, friendships strenghtened, lessons learned. Another great #TBALeadership Conference.

Andy Collins @1acollins2Proud of Kathleen Jones, winner of the W. TN Grand Division PEP Banker representing #CBTC #TBALeadership

Craig Raughton @CraigRaughtonListening to @escheithe discuss the ABA’s http://AmplifyBankers.com Great tools for anyone in banking. #TBALeadership

Ashley Dennis @ashrockdennisBrad Barrett advises young bank leaders, “You need a balanced existence: your faith, your family, then work.” #TBALeadership

Robby J. Moore @mayormoore2002Colin Barrett doing what he does best! Leading at #TBALeadership #Leadership 2014 #TBA in great hands!!! pic.twitter.com/tng64DjwCp



The division oversees the TBA’s Personal Economics Program (PEP), a financial literacy effort by bankers to educate consumers about such topics as banking, personal money management, the wise use of credit, the importance of saving, and iden-tity theft and other types of fraud.

Another activity in which division members participate is the Young Bankers Day on the Hill. This pro-gram reinforces the importance of involvement in the TBA’s government relations activities. During this annu-al event, bankers spend a day at the Capitol in Nashville learning about how the General Assembly functions, meeting with government leaders and their own representatives, and attend-ing committee meetings and hearings. See page 14 for a report on this year’s Day on the Hill program.

If you are interested in partici-pating in the activities of the Young Bankers Division, please contact Stacey Langford, e-mail [email protected]. ■

Rotating off of the board were (right) Michelle Bing, Reelfoot Bank; (below)Devin Ralston, Community Bank of East Tennessee, a division of Southern Bank of Tennessee; and Chris Schlueter, FirstBank.




Leadership Convention Business Sessions

TBA Chairman Jeff Agee opened the program with welcome re-marks.

Jeff Rendel, president, Rising Above Enterprises, pre-sented a session on Tomorrow’s Bank Executive—Today.

Brad Barrett discussed the past, present, and future of banking in Tennessee.

Sean Snaith apprised atten-dants of today’s economic outlook.

T raditionally, the business por-tion of the annual Leadership Convention is composed of

two morning general sessions, featur-ing educational speakers, the awards and recognition ceremony for banks involved in TBA’s financial literacy efforts, and election of division of-ficers and directors. This year was no exception.

Monday SessionYoung Bankers Division Chair-

man Robby Moore called the first session to order at 8:00 on Monday morning, April 28. TBA Chairman Jeff Agee, president and CEO of First Citizens National Bank in Dyersburg, welcomed the group and gave a brief look at what has been going on with the association.

Following Agee, Jeff Rendel dis-cussed Tomorrow’s Bank Executive—Today. Changes in banking are a given, Rendel noted. However, these changes are now more common, more unpredictable, and more undefined than in the past. He presented five competencies to help build the multi-talent-ed, multifaceted bank executive of tomorrow.

Rendel is president of Rising Above Enter-prises, and the Gradu-ate School of Banking at LSU and Investors Title Insurance Com-pany sponsored his session.

Next, Erin Schei-the, vice president of political advocacy and grassroots with the American Bankers As-sociation, talked about ABA’s Amplify, a grass-

roots program for ALL bankers, not just ABA members, designed to make it easy for banks and bankers to spread the word about the vital role they play in their communities. Amplify’s website, amplifybankers.com, offers resources to help banks tell their story and redirect the conversation about the banking industry at the grassroots lev-el. The website includes key messages, sample speeches and letters, media in-terview tips, guidelines for using social media—even step-by-step instructions for hosting a bank visit, a groundbreaking or a rib-bon-cutting ceremony for a bank-financed project.

The final session of the morning was the Personal Economics Program Awards and Recognition ceremony to honor banks and bankers that have excelled this year in the Personal Economics Program (PEP). Emily Gray, then president-elect of the Young Bankers Division and chairman of the PEP

committee, presided over the cere-mony, which was sponsored by First National Banker’s Bank and FNBB Capital Markets, LLC.

See page 23 for a report on the ceremony and a complete list of the winners.

The business session adjourned at 11:15.

Tuesday SessionThe first order of business when

Moore convened the second morning


business session was the delivery of his president’s report on division ac-tivities over the past year. This was followed by the election of new divi-sion officers and directors for 2014-2015. The report on the elections begins on page 16.

The Past, Present, and Future of Banking in Tennessee was the title of the session following the elections. The speakers were Colin Barrett, current president of the TBA, and Brad Barrett, past president. The two looked at where we have been, where we are now, where we are going, and the role young bankers can play in continuing to make the banking in-dustry stronger in Tennessee.

Adam Thompson, senior con-sultant with StrategyCorps, LLC, addressed the topic of More Mobile, More Money! The session was spon-sored by StrategyCorps, LLC. While customers love mobile banking and are adopting it at record rates, they don’t love it enough to pay for it. Thompson discussed how to enhance your mobile banking presence to create a more relevant and meaningful connection with your customers that they will gladly pay for and will generate more customer-friendly fee income.

The Leadership Convention’s final session was An Economic Outlook in

Uncertain Times, delivered by Sean Snaith, PhD, di-rector of the Institute for Economic Competitiveness at the University of Central Florida, Orlando, FL.

Sponsored by Crowe Horwath LLP, Brentwood, TN, Snaith addressed the impact of uncertainty—economic, policy, and global—on the US eco-nomic recovery, which he said had lost momentum in 2013. In addition, he theorized about how the recovery will fare in 2014 and beyond given the pol-icies that have been im-plemented and are likely to be implemented in the future.

Grand PrizesThe last activity on the 2014 Leader-

ship Convention agenda was the draw-ing for the two grand prize winners.

Josh Warren, Bank of Perry County, Linden, won the weekend package at The Peabody in Memphis, site of the 2015 Leadership Convention, and $1,000 cash, cosponsored by The Pea-body and Southeastern Commercial Finance, LLC.

Robby Moore, Young Bankers Division President and Adam Thompson, who presented a session on mobile banking.

Grand prize #1 winner, Josh Warren, with Melody Vollman of SouthEast Commercial Finance, sponsor of the cash por-tion of the prize.

Grand prize #2 winner, Tim Land, with sponsors Christopher Loyd and Jason Price of Crowell & Crowell, PLLC.

The $2,000 cash prize, cosponsored by Crowell & Crowell, PLLC, was won by Tim Land, Citizens Tri-County Bank, Dunlap.

The 2015 Leadership Convention is scheduled for April 26-28 at The Peabody Hotel in Memphis. Watch the magazine for information in early 2015, and plan to attend. ■



Sunday, April 27Alexander Thompson Arnold, PLLC, Milan, TN – Pocket AgendasEverFi, Inc, Washington, DC – Mobile AppHarland Clarke, Franklin, TN – Convention Badge CoversEarl R. Whaley and Company, Alcoa, TN – Transportation to MarinaCRS Data, Knoxville, TN – SOLARIS CruiseThe Plateau Group, Inc, Crossville, TN – Reception Entertainment

Monday, April 28Vining Sparks, Memphis, TN – Continental BreakfastGraduate School of Banking at LSU, Baton Rouge, LA – Cosponsor Speaker Jeff RendelInvestors Title Insurance Company, Chapel Hill, NC – Cosponsor Speaker Jeff RendelFirst National Banker’s Bank & FNBB Capital Markets, Birmingham, AL – Personal Economics Program Awards and Recognition CeremonyFinancial Products & Services, Inc, Nashville, TN – Reception and Entertainment at the Hilton Hotel

Tuesday, April 29Federal Home Loan Bank of Cincinnati, Cincinnati, OH – Continental BreakfastStrategyCorps, LLC, Brentwood, TN – Speaker Adam ThompsonCrowe Horwath LLP, Brentwood, TN – Speaker Sean SnaithThe Peabody Memphis, Memphis, TN – Grand Prize #1 Weekend PackageSoutheastern Commercial Finance, LLC, Memphis, TN – Grand Prize #1 CashCrowell & Crowell, PLLC, Franklin, TN – Grand Prize #2 Cash

THANK YOU TO OURSPONSORS

CRS Data sponsored the sunset cruise aboard the SOLARIS.

Jim and Jennifer Goodson of FinancialPSI, which sponsored Monday evening’s reception and en-tertainment.

Susan Sutton and Richard Davenport from Earl R. Whaley and Company, sponsor of the Sunday evening transportation to the marina.



Personal Economics Program AwardsBanks and Banker Honored for Consumer Education Efforts

Outstanding PEP Banker Kathryn Love, Citizens Bank, New Tazewell

Financial Literacy Teacher of the Year Wes Wilkerson, Hardin County High School, Sa-vannah, was nominated for the award by Ashley Dennis of The Hardin County Bank.

D uring the Monday morning business session at the 2014 Leadership Convention, the

Young Bankers Division honored outstanding banks and bankers for excellence in educating the public about personal finance, banking, and economics through the Personal Eco-nomics Program (PEP).

More than 80 awards and cer-tificates were announced during a special ceremony sponsored by First National Banker’s Bank and FNBB Capital Markets.

Increasing financial literacy and fiscal responsibility is a mission that bankers take seriously. The Young Bankers Division has been involved in these efforts in Tennessee since 1962 when they first launched an aggressive campaign to assist teachers in broaden-ing the public understanding of bank-ing. From June 1, 2013, the beginning of the “PEP year,” through March 1, 2014, 193 bankers in Tennessee con-tacted over 45,000 individuals through 1,710 presentations to students from kindergarten through college, civic and business organizations, seniors groups, and other consumers to help them understand personal money manage-ment, the wise use of credit, identity theft, predatory lending, and other such issues. The PEP awards are one way of bringing public recognition and awareness of the contributions these bankers make to their communities.

Outstanding PEP Banker AwardTennessee’s 2013-2014 Out-

standing PEP Banker Award was presented to Kathryn Love, of Citi-zens Bank, New Tazewell, TN. This recognition is awarded to a Tennes-

see banker for superior educational contributions to the local community.

Love attended the Leadership Con-vention and accepted her award. She received a plaque and complimentary registration for the convention.

Kathryn Love has been active with the TBA’s financial literacy program for more than 20 years, and it is one of the pri- continued on next page

mary aspects of her job with Citizens Bank. The bank’s market area covers six communities, and she works with 16 schools each year. Known as The Bank Lady, she visits these area schools collecting deposits and registering new savings accounts with the Save for America Program.

Ceremony sponsored by Awards presented byTBA LE A D E R SH I P C O N V E NTI O N

2014 Awards & RecognitionPERSONAL ECONOMICS PROGRAM



Financial Literacy Teacher of the Year Award

The Financial Literacy Teacher of the Year Award is presented to a Tennessee teacher, at any level, for outstanding contributions to eco-nomic education. This year’s winner was Wes Wilkerson who teaches at Hardin County High School in Sa-vannah, TN.

Ashley Dennis, who works in The Hardin County Bank’s Savannah office, nominated Wilkerson. He has worked with her for three years, and she cited the top-notch financial education he delivers to her students.

Wilkerson teaches personal fi-nance classes at Hardin County High School, educating students on the importance of income, budgeting, and check writing. He has implement-ed the EverFi Financial Education program, which is endorsed by the Tennessee Bankers Association, in his school, and this program reached 156 students in the fall of 2013. Wilkerson received a plaque, free accommoda-tions at the Leadership Convention hotel, and $200 to use in his future education efforts.

Top PEP Banker / Grand Division Awards

The Grand Division Awards are pre-sented to the banker in each division of the state who makes the most presenta-tions concerning financial literacy during the PEP year. The 2013-2014 Grand Division Awards went to:• Top PEP Banker for East Tennessee

– Diane Riggs, Community National Bank, Dayton, with 421 presentations and 7,198 contacts• Top PEP Banker for Middle Tennes-

see – Wonda Turnbo, Wayne County Bank, Waynesboro, with 144 presenta-tions and more than 3,217 contacts• Top PEP Banker for West Tennessee

– Kathleen Turner, Commercial Bank & Trust Co, Paris, TN, with 41 presenta-tions and 750 contacts.

Each of these winners received a plaque and complimentary registration to the Leadership Convention.

Save Day & Credit Day AwardsTeach Children to Save and Get

Smart about Credit are two nation-wide consumer education initiatives established by the American Bankers Association Education Foundation.

Save Day, held in the month of April of each year, focuses primarily on younger students, instilling in them the need and desire to save by helping them differentiate between “wants” and “needs.”

For Credit Day, held in October, bankers work with young people, particularly teenagers and college students, on the importance of man-aging credit wisely. The Teach Chil-dren to Save Award and Get Smart about Credit Award recognize the banks that made the most presen-tations in conjunction with each of these national financial literacy initiatives.

This year’s Teach Children to Save Award went to Community National Bank, Dayton, while First Volunteer Bank, Chattanooga earned the Get Smart about Credit Award.

Golden PEP Banker AwardThe TBA also presented the Gold-

en PEP Banker Award to individual bankers who completed 75 or more presentations between June 1, 2013, and March 1, 2014. Seven bankers received this distinction.

Top PEP Bankers for West, Middle, and East Tennessee, respectively, were Kathleen Turner, Commercial Bank & Trust Co, Paris; Wonda Turnbo, Wayne County Bank, Waynesboro; and Diane Riggs, Community National Bank, Dayton. Pictured with Turnbo are Charles Kown and Charles Morris, representing awards ceremony sponsors, First National Banker’s Bank and FNBB Capital Markets.


PEP Awards continued


Certificate of Outstanding Bank ParticipationAwarded to banks with two or more staff members who complete a combined total of 12 or more individual presentationsBANK, CITY ....................................................................... PRESENTATIONSINSOUTH Bank, Brownsville ..............................................................23Wilson Bank & Trust, Carthage ...........................................................15Community First Bank & Trust, Centerville .........................................21Wayne County Bank, Clifton ..................................................................4Wayne County Bank, Collinwood .....................................................105Heritage Bank & Trust, Columbia .......................................................19BancorpSouth Bank, Dresden ...............................................................68Wilson Bank & Trust, Gordonsville ....................................................28Wilson Bank & Trust, Hermitage .........................................................40Wilson Bank & Trust, Lebanon ..........................................................159Commercial Bank & Trust Co, Memphis ..........................................515Wilson Bank & Trust, Mount Juliet ....................................................34Wilson Bank & Trust, Murfreesboro ...................................................73Wilson Bank & Trust, Nashville ..........................................................14Citizens Bank, New Tazewell .............................................................345Commercial Bank & Trust Co, Paris ....................................................53Citizens National Bank, Sevierville .......................................................18



Other AwardsOther awards presented at the

TBA Leadership Convention were the Certificate of Achievement, Certificate of Outstanding Bank Participation, and Certificate of Recognition.

To be eligible for the Certificate of Achievement, individuals had to complete 12 or more in-school bank activities before the March 1, deadline. The in-school bank program fosters the savings habit of children by offering a real-life savings program to students within the school environment.

The Certificate of Outstanding Bank Participation was presented to each bank with two or more bankers who completed a com-bined total of 12 or more PEP presentations.

The Certificate of Recognition was presented to bankers who com-pleted 12 or more PEP presenta-tions of any kind to any age group.

About PEPThe Personal Economics Pro-

gram, established by the Ameri-can Bankers Association in 1977, is a volunteer effort of bankers working with educators and other

Golden PEP BankersAwarded to bankers who complete 75 or more presentationsBANKER, BANK, CITY PRESENTATIONSDiane Riggs, Community National Bank, Dayton ......................................421Kathryn Love, Citizens Bank, New Tazewell .............................................341Wonda Turnbo, Wayne County Bank,Waynesboro ...................................144Elizabeth Teeftaller, Wayne County Bank,Waynesboro .............................138Stacey Brewer, Wayne County Bank, Waynesboro ......................................98Dorothy Howell, Wayne County Bank, Waynesboro ......................................98Holly Floyd, Wayne County Bank, Collinwood ..........................................94

BANKER, BANK, CITY ..................................PRESENTATIONSDavid Baker, Wayne County Bank, Waynesboro ........30Patrick Blackburn, Wayne County Bank, Waynesboro ............................................................12Stacey Brewer, Wayne County Bank, Waynesboro .....98Katherine Brison, Wayne County Bank, Collinwood ..... 34Dianne Butler, Wayne County Bank, Collinwood .......71Lorri Cooke, Wayne County Bank, Clifton ................32Lisa Culbreath, Wilson Bank & Trust, Carthage ........12Jeanine Denney, Heritage Bank & Trust, Columbia ...14Katie Enoch, Wilson Bank & Trust, Gordonsville ......16Holly Floyd, Wayne County Bank, Collinwood .........94Misty Gann, Wilson Bank & Trust, Murfreesboro .....19Sheila Grewing, Wilson Bank & Trust, Lebanon ........20Patsy Hill, Wayne County Bank, Collinwood .............71Dorothy Howell, Wayne County Bank, Waynesboro ............................................................98Kathryn Love, Citizens Bank, New Tazewell ............341

Kay Martin, Wayne County Bank, Collinwood ..........71Judy McAlpin, BancorpSouth Bank, Dresden .............29Alice McClanahan, INSOUTH Bank, Brownsville .....23Pat Moon, BancorpSouth Bank, Dresden ...................35Diane Riggs, Community National Bank, Dayton ....421Dianne Scroggins, Community First Bank & Trust, Centerville ................................................18Robnetta Sherrill, Wayne County Bank, Collinwood .34April Swann, Wilson Bank & Trust, Gordonsville ......13Elizabeth Teeftaller, Wayne County Bank, Waynesboro ..........................................................138Wonda Turnbo, Wayne County Bank, Waynesboro ..........................................................144Kathleen Turner, Commercial Bank & Trust Co, Paris ....................................................41Linda Turner, Wayne County Bank, Collinwood ........68Lisa Williams, BancorpSouth Bank, Dresden ..............25

Certificate of Recognition Awarded to bankers who complete 12 or more presentations

BANKER, BANK, CITY ..................................PRESENTATIONS

Order Form – 2014Order online at www.TNBankers.org

Method of Payment: VISA MasterCard Check Ck#__________ Bill Me (TBA Members Only)

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Bankers DirectoryThe Bankers Directory, published by the Tennessee Bankers Association, contains a listing of all Tennessee commercial banks, thrifts, and savings banks along with their officers, directors, mailing addresses, telephone numbers, and highlights of their “Statement of Condition.”

PLUS in this publication you find names, addresses, and telephone numbers of:• Officers and staff of the Tennessee Bankers Association

• Regulatory agencies for financial institutions

• Major banking associations

• Tennessee’s congressional delegation

• State officials

• Members of the General Assembly

• Tennessee court clerks and court houses

• TBA associate members and endorsed products—including contact person and product descriptions

TBA Members / Associate Members – $47.50 per copy plus tax/shipping/handling

Nonmembers – $95 per copy plus tax/shipping/handling

Tennessee residents pay 9.25% sales tax

Shipping/handling $3.25 for first copy & $1.25 for each additional copy

Cost:

• Please send me _______ copies of the 2014 edition

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TOTAL ________Please make check payable to Tennessee Bankers Association

Order Deadline – July 18, 2014

Return completed form & payment to:Tennessee Bankers Association

Attn: T’Lanie Luu211 Athens Way, Ste 100Nashville, TN 37228-1381

Phone: 615/244-4871 or 800/964-5525Fax: 615/324-1992

[email protected]

Order Deadline July 18, 2014

Save 15% if you order 5 or more directories


PEP Awards continued

EverFi Presents Banker & Teacher Awards


community groups to teach consum-ers of all ages about personal money management skills, banks, and banking services. The Tennessee Bankers Asso-ciation’s Young Bankers Division began administering PEP in Tennessee in 1980. For more information about PEP, con-tact T’Lanie Luu in the TBA office. ■

BANKER, BANK, CITY ....................... PRESENTATIONS David Baker, Wayne County Bank, Waynesboro ........30Patrick Blackburn, Wayne County Bank, Waynesboro ............................................................12Stacey Brewer, Wayne County Bank, Waynesboro .....98Katherine Brison, Wayne County Bank, Collinwood ..34Dianne Butler, Wayne County Bank, Collinwood .......71Lorri Cooke, Wayne County Bank, Clifton ................32Lisa Culbreath, Wilson Bank & Trust, Carthage ........12Katie Enoch, Wilson Bank & Trust, Gordonsville ......16Holly Floyd, Wayne County Bank, Collinwood .........90Misty Gann, Wilson Bank & Trust, Murfreesboro .....19Sheila Grewing, Wilson Bank & Trust, Lebanon ........20Patsy Hill, Wayne County Bank, Collinwood .............71

Present at the convention to pick up their Certificate of Recognition were Diane Riggs, Community National Bank, Dayton; Kathryn Love, Citizens Bank, New Tazewell; Wonda Turnbo, Wayne County Bank, Waynesboro; Holly Floyd, Wayne County Bank, Collinwood; and Kathleen Turner, Commercial Bank & Trust Co, Paris.

Certificate of AchievementAwarded to bankers who complete 12 or more activities associated with in-school banks

Dorothy Howell, Wayne County Bank, Waynesboro ............................................................98Kathryn Love, Citizens Bank, New Tazewell ............308Kay Martin, Wayne County Bank, Collinwood ..........71Judy McAlpin, BancorpSouth Bank, Dresden .............27Pat Moon, BancorpSouth Bank, Dresden ...................31Robnetta Sherrill, Wayne County Bank, Collinwood .34April Swann, Wilson Bank & Trust, Gordonsville ......13Elizabeth Teeftaller, Wayne County Bank, Waynesboro ..........................................................138Wonda Turnbo, Wayne County Bank, Waynesboro ..........................................................138Linda Turner, Wayne County Bank, Collinwood ........68

BANKER, BANK, CITY ....................... PRESENTATIONS

E verFi, Inc, is the nation’s leading education technol-ogy company, offering an

interactive, web-based financial management program to teach, assess, and certify high school students in financial literacy and student loan management.

In celebration of April being Financial Literacy Month, EverFi

presented their Tennessee EverFi Banker of the Year and EverFi Teach-er of the Year awards in conjunction with TBA’s Leadership Convention.

Doug Haehl with Citizens Bank of Lafayette was selected as the EverFi Banker of the Year. EverFi selected Laura McCall from South-Doyle High School as the EverFi Teacher of the Year. McCall could not attend this year’s ceremony.

Congratulations to the winners of these awards. ■

Doug Haehl, right, accepts his Banker of the Year award from Ryan Swift of EverFi.


SPECIAL EVENTS & PHOTO RECAP

Although the primary function of the annual Lead-ership Convention is business, friendships and bonds that will last bankers throughout their careers are forged during the special events. Sunday evening, con-vention-goers enjoyed a sunset cruise on the SOLARIS, sponsored by CRS Data with entertainment sponsored by The Plateau Group, Inc.

Financial Products and Services, Inc, sponsored Mon-day evening’s pool side reception at the Hilton and the entertaining caricatures by Deano. ■


TN Banks Contribute to 4-H Young Leaders

People’s Bank and Trust Company of Pickett County, ByrdstownCitizens Bank, CarthageCumberland Bank & Trust, ClarksvilleF&M Bank, ClarksvilleSouthern Heritage Bank, ClevelandMiners Exchange Bank, CoeburnBankTennessee, ColliervilleCommunity National Bank, DaytonDecatur County Bank, DecaturvilleFranklin County United Bank, DecherdCitizens Tri-County Bank, DunlapThe Farmers & Merchants Bank, DyerBank of Frankewing, FrankewingFirst Capital Bank, GermantownGreenfield Banking Company, GreenfieldCitizens Bank, HartsvilleFirst National Bank of Oneida, HelenwoodUnion Bank, JamestownAmerican Trust Bank of East Tennessee, KnoxvilleCitizens Bank of Lafayette, LafayetteMacon Bank and Trust Company, Lafayette

Lawrenceburg Federal Bank, LawrenceburgWilson Bank & Trust, LebanonFirst Commerce Bank, LewisburgVolunteer Federal Savings Bank, MadisonvillePeoples Bank & Trust Company, ManchesterHomeland Community Bank, McMinnvillePatriot Bank, Millington Farmers State Bank, Mountain CityCitizens Savings Bank and Trust Company, Deborah Cole, NashvilleFirst Trust and Savings Bank, Oneida, Tennessee, OneidaSmart Bank, Pigeon ForgeFirst National Bank of Pikeville, PikevilleFirst National Bank of Pulaski, PulaskiBank of Ripley, RipleyThe Hardin County Bank, SavannahSevier County Bank, Matt Converse, SeviervilleFirst Community Bank of Bedford County, ShelbyvilleFarmers and Merchants Bank, TrezevantReelfoot Bank, Union CityCitizens First Bank, WartburgWayne County Bank, Waynesboro

2014 4-H Congress Contributors

E arlier this spring, TBA Chairman Jeff Agee issued a call for contri-butions in support of Tennessee

4-H’s 67th Annual Congress—specifi-cally to sponsor the Representative Lun-cheon. Bankers responded generously, contributing $3,400 to the event.

The theme of this year’s congress was Geared for Greatness. More than 500 youth from all 95 counties across the state convened in Nashville to experience government first-hand, forming their own state congress where they learned about citizenship and leadership.

Banker and State Representative Craig Fitzhugh, Bank of Ripley, repre-sented the Tennessee Bankers Association and presented the ceremonial check to 4-H student representatives during the luncheon. Stacey Langford and Dianne Martin from the TBA staff also attended.

Thank you to all the banks listed here who made contributions to this specific event above and beyond the support they provide to 4-H on a daily basis within their own communities. ■

Amy Smith, TBA deputy counsel, presents a check to the 2014 4-H officers: Jesse Black, John Calvin Bryant, and Justin Cross alongside Rep Craig Fitzhugh


I f you are accountable for any type of instruction in your orga-nization, TBA has the workshop

you need. Train the Trainer will be offered one date and location only in 2014—July 31 at the TBA Barrett Training Center in Nashville.

Those who attend the full-day Train the Trainer program will learn how to improve your communications, credi-bility, confidence, and skills. Instructor Honey Shelton, one of the nation’s top trainers, will deliver a wealth of information that is just what you need to advance to the next level in your ca-reer. She will provide participants with resources, tools, and tips that will assist you ongoing back at work.

Attendants will learn to: • Align yourself with key partners at

your organization • Develop and write a training program • Take charge of your training room • Design high–impact training content • Explore all your options for re-

sources • Create useful templates and job aids • Practice presentation skills • Design and develop training that

“sticks” • Create a learning environment that

is conducive to learning and fun • Practice the art of asking questions • Tap into all the alternatives—

phone seminar, conferencing, in-per-son, webinar, mentoring

Program Instructor Honey Shelton brings the best

of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Shelton’s exten-sive banking background includes spending three years as executive vice president/chief retail banking officer with First Victoria National Bank.

Nationally recognized as an out-standing speaker, over a half-million

bankers have participated in programs presented by Shelton. Her depth of knowledge, enthusiasm, and compelling personali-ty have left a lasting mark on InterAction Training,

the firm she founded in 1983. As a graduate of the School of Bank

Marketing at the University of Colorado, Shelton realizes the value of quality educa-tion. She invests time as a faculty member for banking schools around the country. She is a repeat presenter for most of the state bankers associations, has an execu-tive coaching practice, and has worked with over 200 coaching clients.

Shelton continues in her own personal pursuit of excellence and is a member of the American Society of Training and Development (ASTD). She has obtained certification in reality therapy from the William Glasser Institute, as well as certi-fication from the Training and Develop-ment Program at Texas A & M University.

Hotel InformationTBA has not blocked rooms for this

program. For those who need overnight accommodations, the nearby Millennium Maxwell House Hotel offers a special corporate rate of $102 per night and the SpringHill Suites by Marriott–Nashville MetroCenter offers a $122 per night rate for persons attending TBA programs.

Information about reserving ac-commodations at the hotels is avail-able in the Train the Trainer brochure.

Registration FeesThe registration fees cover instruc-

tion, reference manual, continental breakfast, refreshment breaks, and lunch.

The fees for registrations received in the TBA office by the close of business on July 16 are $220 for TBA members and associate members and $440 for nonmembers. After July 16, the late registration fee increases by $80 to $300 for members and $520 for nonmembers.

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

Because of guarantees, TBA can not accept any cancellations after July 16. Substitutions are welcome.

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

Visit the TBA website at www.TN-Bankers.org/calendar to register for Train the Trainer online or to down-load a copy of the program brochure containing complete information and a printable registration form.

If you need additional informa-tion, please contact Debbie Brickles via e-mail to [email protected] or call 615-244-4871 or 800-964-5525. ■

You will leave Train the Trainer with: • Top notch presenter skills—understanding eye contact, tone of voice, gestures, etc • Feedback on in-class presentations • Clarity regarding objectives • Techniques that ensure training is on point and memorable • Improved self confidence • Tools you can use to self-assess your ability to train • How to instructions on handling difficult situations, creating quality material,

and delivering meaningful training

Train the Trainer – One Date & Location

PLEASE NOTE: Please register early! Based on the number of enrollments at the time, TBA will make a decision on July 16 whether to hold this program.

Shelton

July 31


Human Resources Conference Photo Recap

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1. Dianne Barton, Performance Solutions, Inc, deliv-ered a session on Staying Positive in a Challenging Environment.

2. Eric Stevens, shareholder, Littler Mendelson PC, delivered several sessions with Stacey Caraway and Margaret Myers.

3. HR Committee Chairman Michelle Davis (L) received an engraved clock from former chairman Laurie Wil-loughby (R) in recognition of her service.

4. Attendants enjoy the morning sessions.

5. & 6. Kara Shea oversees the mock trial Discipline and Termination panel staffed with Butler Snow attorneys Harold Pinkley, Valeria Gomez, Sara Anne Quinn, and Stephen Ramsey.

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Thank You to Our Conference Sponsors

Financial Products & Services, Inc, Nashville Continental Breakfast & Reception

The Ross Group at Morgan Stanley Wealth Management, Memphis Luncheon

Adams and Reese, LLP, Nashville Pocket Agendas

7. Kara Shea, Butler Snow LLP, presented two sessions: Hiring Dos and Don’ts and An HR Look Within - Advanced Employment Issues that Banks Face.8. Stacie Caraway, Miller & Martin, PLLC, gave a review of HR legal fundamentals with her Getting Back to the Basics gen-eral session. 9. Pamela Jett, Jett Communications, Inc, educated attendants on how to deal with difficult people.

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11

10. Margaret Myers, Adams and Re-ese, LLP, also spoke with Kara Shea during the advanced employment issues session. 11. Neal McBrayer, Butler Snow LLP, served as judge for the mock trial.12. David Goldstein, Littler Mendelson PC, discussed the Top Ten Questions You Should Ask about Your AAP.


F air lending issues continue to be a major concern for the financial services industry. Regulatory

enforce fair lending laws and evaluate what practices may be deemed unfair, deceptive, or abusive to consumers.

How do financial institutions pre-pare for these types of regulatory dis-cussions and reviews? What should they be looking for? More important-ly, how do they create a methodology for conducting fair lending reviews?

To help our members answer these questions, TBA will offer Fair Lend-ing Compliance regional workshops across the state in July. Programs are scheduled for July 22 in Knoxville, July 23 in Nashville, and July 24 in Jackson. The program content was prepared by Professional Bank Services, and Anetria Connell, senior consultant with PBS, is the instructor.

This program will focus on steps financial institutions can take to prevent, detect, and eliminate fair lending problems. Connell provides a brief overview of the five keystones of fair

lending, building a foundation from which banks can work.

Each attendant will receive a man-ual, prepared by Professional Bank Services, containing a detailed outline on each topic discussed. It is one of the most highly regarded manuals in the industry, and participants are like-ly to refer to it on countless occasions.

Who should attendBecause fair lending involves all

aspects of the lending process, every-one from the lending side of your in-stitution can benefit from the seminar.

In addition to lenders themselves, the program provides helpful informa-tion to those who work in loan pro-cessing, loan review, HMDA, CRA, compliance, audit, and marketing.

Senior lending officers and senior management will also find the informa-tion valuable, as they—along with the board of directors—are responsible for insuring compliance with fair lending requirements.

The content is delivered at the inter-mediate level and focuses on federal law. Those who attend should be generally familiar with lending terms and proce-dures.

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

About the instructorAnetria Connell is a senior consul-

tant at Professional Bank Services. Prior to joining the firm, she served as legal counsel to the Kentucky Department of Financial Institutions, which regulates depository, nondeposito-ry, and securities entities. Connell’s primary respon-sibility at the department was the Dodd–Frank Act, whereby she assessed its effect of federal and state law and provided infor-mation and training to examiners and staff.

In addition to her regu-latory experience, Connell practiced business, real estate, and banking law.

She is a graduate of The George Washington University Law School and is licensed to prac-tice law in Ohio and Kentucky.

Registration FeesReg i s t r a t i on f e e s

cover instruction, the comprehensive reference manual , cont inenta l breakfast, lunch, and refreshment breaks.

Registrations received in the TBA office by the close of business on July 15 qualify for early registration fees of $220 for TBA members and associate members and $440 for nonmembers. After July 15, fees increase by $30 across the board.

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

Visit the TBA website, www.TNBankers.org/calendar, and click on the Fair Lending Compliance to register online for the seminar or to download a program brochure con-taining complete information and a printable registration form.

If you have questions about Fair Lending Compliance, please contact Debbie Brickles via e-mail to [email protected] or call 615-244-4871 or 800-964-5525. ■

Connell

Program HighlightsEqual Credit Opportunity Act - Regulation B• Identification of the prohibited basis• Required collection of monitoring information• Permissible questions• Spousal signatures• Dodd-Frank appraisal requirements

Fair Housing Act• Coverage and prohibited practices• Specific regulatory agency requirements

Fair Credit Reporting Act/FACT Act• Permissible purposes and use of reports• Risk-based pricing notices• FCRA adverse action notices• Obligations as furnisher of information

Unfair, Deceptive, or Abusive Acts or Practices• Standards of determining what’s unfair,

deceptive, or abusive• Managing risks related to UDAAP—

deposits & loans

Home Mortgage Disclosure Act• Which transactions are covered• Government monitoring information• Required disclosures• Completion of the LAR

Fair Lending ComplianceRegional Workshops in July


Boling

Comer

Edwards Holland

FACULTY Ronnie L. Boling, Financial Services Consultant, Brentwood, TN Loan Policy Administration; Application Generation & Credit Investigation; Evaluation & Quality Assurance; Loan Pricing, Structuring & Documentation; Loan Closing

Michael G. Comer, Executive Vice President/Chief Operating Officer, Citizens National Bank, Sevierville, TN Relationship Management/Sales and Services

Franklin Drake, Smith Debnam Narron Saintsing & Myers, LLP, Raleigh, NC Collection Management & Credit Counseling; Consumer Bankruptcy

Connie Edwards, CRCM, President, Banc Compliance Group, Inc, Franklin, TN Regulatory Compliance; Fair Lending

Craig Holland, Williamson County President, First Farmers and Merchants Bank, Franklin, TN Direct Lending; Indirect Lending; Open-End Credit

Thomas H. Payne, PhD, Dunagan Chair of Excellence in Banking, University of Tennessee at Martin, Martin, TN Evolving Trends in Retail Banking

F ifty-three bankers recently completed requirements for graduation from the 2014

session of The Southeastern School of Consumer CreditSM (TSSCC) held at the TBA Barrett Training Center in Nashville. The program is one of four Southeastern Schools sponsored by the Tennessee Bankers Association (TBA).

The Southeastern School of Con-sumer Credit is an intensive one-week school that exposes students to the major issues consumer credit manag-ers face on a daily basis. The TBA con-ducts the school in cooperation with the bankers associations in Georgia, Louisiana, and Mississippi.

In addition to 44 bankers from Tennessee, this year’s graduates in-cluded two bankers from Alabama, one from Georgia, two from Ken-tucky, and four from Mississippi.

“The Southeastern School of Con-sumer CreditSM is a highly valuable school for consumer loan officers for banks of all sizes. In addition to the comprehensive class curriculum, stu-dents have the opportunity to meet peers and develop professional friend-ships and relationships they will find beneficial throughout their careers,” said Michael G. Comer, chairman of TSSCC’s 2013-2014 board of trustees and executive vice president/chief operating officer, Citizens National Bank, Sevierville.

Students finishing in the top 10 per-cent of the class are recognized through the school’s honors program. Honor students for 2014 were:• Aaron Duke, Wilson Bank &

Trust, Smyrna, TN• Shannon Evans, First Community

Bank of East Tennessee, Rogersville, TN• Sarah Hord, Volunteer State Bank,

Portland, TN


• Jennifer Langford, First National Bank of Tennessee, Livingston, TN• Brent Whaley, Sevier County Bank,

Sevierville, TNHonor students are selected on the ba-

sis of scores on the mid-term exam, final exam, and faculty and staff evaluation.

See pages 36 and 37 for a complete list of the 2014 TSSCC graduates, ar-ranged alphabetically by city.

Established in 1987, The Southeastern School of Consumer Credit is designed to

increase banker knowledge of consumer lending as a retail banking function and a source of income for the bank. It addresses the managerial aspect of consumer lending operations, espe-cially how the bank’s loan portfolio can increase profitability and improve competitive position. In addition, the program emphasizes the development of both administrative and human

The Southeastern School of Consumer Credit53 Bankers Graduate

TSSCC


The Southeastern School of Consumer Credit 2014 GraduatesArdmore, TN .....................First National Bank of Pulaski ......................................................... Crystal TuckerAthens, TN ........................Citizens National Bank .............................................................. Andrea BredwellAthens, TN ........................Citizens National Bank .............................................................. Cassandra MilesCarthage, TN ....................Wilson Bank & Trust ........................................................................Kim DillehayChattanooga, TN ...............FSGBank, National Association ......................................................... Rob MajorsCleveland, MS ...................Planters Bank & Trust Company ................................................. Brandon BaldwinColumbia, TN ....................Community First Bank & Trust .......................................................Chris HaywoodCookeville, TN ...................First National Bank of Tennessee ...................................................... Dennis AlsupCornersville, TN .................CB&S Bank, Inc ....................................................................... Susan VanhooserCynthiana, KY ...................Farmers Deposit Bank ...................................................................Steven DuncanCynthiana, KY ...................Farmers Deposit Bank .................................................................. Jordan MynearDemopolis, AL ...................Robertson Banking Company ........................................................ Lorenzo MooreDickson, TN .......................TriStar Bank ............................................................................... Robby HarmonDunlap, TN .......................Citizens Tri-County Bank ....................................................................... Tim LandDyersburg, TN ...................First Citizens National Bank ........................................................... Tonya CarsonFayetteville, TN ..................Bank of Lincoln County ..................................................................... Hayes EllettGoodlettsville, TN...............Volunteer State Bank ................................................................... Tamara MingleGreenville, MS ...................Planters Bank & Trust Company ...............................................Charles McPhersonHendersonville, TN .............Volunteer State Bank ..................................................................... Garrett CokerHornbeak, TN ....................Reelfoot Bank .................................................................................. John BarkerHumboldt, TN ....................The Bank of Humboldt ................................................................. James BrasfieldIndianola, MS ....................Planters Bank and Trust Company ................................................... Grant PhillipsJamestown, TN ..................Progressive Savings Bank .............................................................. Elaine GosnellJasper, TN .........................Citizens State Bank ......................................................................... Dusty TudersJasper, TN .........................Citizens Tri-County Bank .......................................................... Sherry VanallmanLexington, MS ....................Holmes County Bank & Trust Company ................................................. Paul Durff*Livingston, TN ........... First National Bank of Tennessee .......................... Jennifer LangfordMc Kenzie, TN ...................Farmers and Merchants Bank ...........................................................Kim GilmoreParis, TN ...........................Commercial Bank & Trust Co .............................................................Justin RawlsPortland, TN ......................The Farmers Bank ............................................................... Christopher JerniganPortland, TN ......................The Farmers Bank .....................................................................Melissa Krasnow* Denotes Honor Graduate

TSSCC


Portland, TN ......................The Farmers Bank ...................................................................... Dillon LamberthPortland, TN ......................The Farmers Bank .......................................................................... Justin NipperPortland, TN ......................The Farmers Bank .......................................................................... John StewartPortland, TN ......................The Farmers Bank ............................................................................. Josh White*Portland, TN ....................Volunteer State Bank ....................................................................... Sarah HordPortland, TN ......................Volunteer State Bank ......................................................................... Erin RoachRinggold, GA ....................Community National Bank ...............................................................Natalie Hunt*Rogersville, TN ................First Community Bank of East Tennessee .......................................Shannon EvansRogersville, TN ..................First Community Bank of East Tennesee .......................................... Stephanie PottsSevierville, TN ...................Citizens National Bank ................................................................... David MooreSevierville, TN ...................Citizens National Bank .............................................................. Loren VanFossen*Sevierville, TN ..................Sevier County Bank ....................................................................... Brent WhaleyShelbyville, TN ..................First Community Bank of Bedford County ......................................... Brent CanadyShelbyville, TN ..................First Community Bank of Bedford County ....................................... William Moore*Smyrna, TN .....................Wilson Bank & Trust ....................................................................... Aaron DukeSouth Pittsburg, TN.............Citizens Tri-County Bank ........................................................... Sara Kate CaffeySparta, TN ........................Bank of White County ................................................................... Michael LewisThompsons Station, TN .......Community First Bank & Trust .................................................... Carma BarksdaleTuscaloosa, AL ...................Robertson Banking Company .............................................................Sam PhillipsWaynesboro, TN ................Wayne County Bank ..................................................................... Camryn EatonWaynesboro, TN ................Wayne County Bank ........................................................................ Lucas RisnerWaynesboro, TN ................Wayne County Bank ..................................................................... Paxson Spears* Denotes Honor Graduate

relations skills to equip students to manage bank assets and meet customers’ financial needs.

The school’s curriculum incor-porates over 30 hours of classroom instruction in 14 courses arranged into five course clusters—Trends in Banking; Retail Credit Analysis and Underwriting: Direct Lending, Indirect Lending, and Open-End Credit; The Lending Process; Asset Management; and Managing Chang-es in Regulatory Compliance.

For more information about The Southeastern School of Con-sumer Credit, or any of the other Southeastern Schools conducted by the TBA, please visit the TBA website at www.TNBankers.org/education/southeasternschools or contact Susan Taylor, CMP, via e-mail to [email protected] or telephone at 615-244-4871 or 800-964-5525. ■

2014 Student ProfileGeneral Profile DataTennessee ....................................... 44Alabama ........................................... 2Georgia ............................................ 1Kentucky .......................................... 2Mississippi ....................................... 4

Female ............................................ 19Male ............................................... 34

Education(Highest Level Achieved)High School ..................................... 2Some College .................................. 15Associate Degree .............................. 1Bachelor Degree ............................. 29Graduate Degree .............................. 6

Year’s of Bank ExperienceLess than 1 year .............................81 – 5 years ....................................236 – 10 years ....................................911 – 20 years ................................1020+ years ........................................3

Consumer Lending ExperienceLess than 1 year ...........................201 – 5 years ....................................236 – 10 years ....................................611 – 20 years ..................................420+ years ........................................0

Size of Bank - AssetsUnder 50 million ............................051 – 100 million .............................4101 – 500 million .........................22501 million – 1 billion ..................27Over 1 billion .................................0Other .............................................0

Size of Bank’s Loan PortfolioUnder 1 million ..............................01 – 5 million ...................................06 – 10 million .................................011 – 50 million ...............................451 – 100 million .............................4Over 100 million ..........................45Other .............................................0

TSSCC

TSCC continued


R E C E P T I O N

TSSCC


T he American Bankers Associa-tion is requesting submissions for its third annual Community

Commitment Awards to recognize banks’ essential involvement in their communities.

The awards will honor innovative, high impact contributions banks of all sizes make to the communities they serve. The deadline for entries is July 1, 2014.

Award winners will be honored in a ceremony during ABA’s Annual Convention in Dallas, October 19-21. All winners will receive a compli-

ABA Community Commitment Awards: Call for EntriesDeadline for entries is July 1, 2014

mentary registration to the convention.The Community Commitment

Awards is a successor program to the ABA Community Bank Awards, which was established in 2005 to commend community banks’ exceptional chari-table achievements. The program has evolved to recognize the contributions of banks of all asset classes to the growth and vitality of their communities.

For an entry form or more infor-mation, visit: www.aba.com/Awards. You may also contact Melissa Murray at [email protected] or 202-663-5440. ■

The 2014 Community Commitment Awards will recognize excellence in seven categories:

• Affordable Housing• Community and Economic

Development • Financial Education• Nontraditional Borrower and

Underbanked• Protecting Older Americans• Volunteerism• George Bailey Distinguished

Service Award

For full category descriptions, please go to the Community Commitment Awards page on the ABA website - www.aba.com/Awards.

TSSCC


The 2014-2015 Board of Trustees

Right: 2014-15 officers Michael Comer, Terry Todd, and Gary Whitaker.

2013-2014 BOARD OF TRUSTEESChairman: Michael G. Comer, Executive Vice President/Chief Operating Officer, Citizens National Bank, SeviervilleVice Chairman: Terry M. Todd, Retail Bank President, FSG Bank, NA, Chattanooga Past Chairman: Philip Calahan, President/CEO, Peoples Bank & Trust Company, Manchester

TRUSTEESAndy Billingsley, President, Loans, Mountain Valley Bank, Dunlap Laura Blackburn, Senior Vice President/Chief Credit Officer, Volunteer State Bank, PortlandMatthew Converse, President/CEO, Sevier County Bank, SeviervilleJames S. England, President, Decatur County Bank, DecaturvilleGregory K. Johnson, Senior Vice President, Citizens Tri-County Bank, DunlapJeff Lewis, City President, FirstBank, LexingtonChuck Sisson, City President, Farmers and Merchants Bank, McKenzie Gary Whitaker, Executive Vice President/Senior Lender, Wilson Bank & Trust, Lebanon

Comer

The Southeastern School of Consumer Credit continued

2013-14 officers Michael Comer, Phillip Calahan, and Terry Todd

Michael Comer presents a plaque to outgoing board member Gary Whitaker.

Incoming chair, Terry Todd, presents outgoing chair, Michael Comer, with an engraved clock.

TSSCC


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

Employment Opportunities

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

1404-4 SECOND RANKING OFFICER/BRANCH ADMINISTRATION HEADInnovative, result-proven financial services executive with over 23 years of banking experience. Highly effective strategic leader with demonstrated ability to successfully manage teams, meet large-scale delivera-bles, and ensure enterprise success. Seeking position – CAO, retail operations exec, facilities. Qualifications – mergers & acquisitions, product development, sales & marketing, retail operations, facilities, deposit compliance, security & risk management. Contact Jennifer Benefield via e-mail [email protected] or call 919-616-4189.

POSITIONS AVAILABLE1405-6 COMMERCIAL REAL ESTATE BANKERCohutta Banking Company, a division of Synovus Bank, is seeking an energetic sales professional to join our dynamic team of banking professionals in the Chat-tanooga market. This position markets commercial real estate (CRE) products and services to prospects and clients. This position also will develop and main-tain relationships with commercial clients to generate revenue and deposit growth. Additionally, he/she will be responsible for commercial clients with commercial real estate credit needs for single or total CRE loan con-centration typically of $2.5MM or greater. An expert knowledge of the CRE construction loan philosophy and process is required for this position. Cohutta Banking Company offers excellent salary plus incentive pay based on performance, in addition to an excellent benefits package including: medical, dental, disability, vision, 401(k), employee stock purchase plan, paid vacation and holidays, EAP, and opportunities for advancement. Minimum Requirements: bachelor’s degree in business administration, finance, accounting, or related field, or an equivalent combination of edu-cation and experience; 6 or more years of commercial lending experience as a lender with demonstrated experience working with large commercial clients and complex lending agreements. Prefer minimum 5+ years’ experience in a specialized commercial real estate lending function. Interested applicants, please apply online: www.cohuttabank.com. Synovus is an Equal Opportunity Employer supporting diversity in the workplace. M/F/D/V/AA

1405-5 SBA LOAN COORDINATORBancorpSouth in Tupelo, MS, is looking for a SBA loan coordinator responsible for the oversight of the lending process for SBA 7(a) and other SBA products. Daily duties will include assisting business and commer-cial lenders with the application, underwriting, and documentation requirements as well as management reporting. We desire someone with at least 1 year of ex-perience with the stated responsibilities or someone with

business underwriting/analysis experience. We will consid-er recent college graduate with a degree in finance. Please send e-mail and resume to [email protected]. 1405-4 CHIEF FINANCIAL OFFICERCFO that thinks like a CEO. This is one of the most entrepreneurial thinking organizations in the banking industry with exceptional reputation, growth, and innovation. Requires a demonstrably strategic thinker, well versed in current trends and technologies but rooted in sound accounting and finance guidelines, principles, requirements, and regulations. Day–to–day oversight and direction includes treasury, accounting, budget and budget analysis, tax and audit responsibilities, financial/accounting systems and controls, standards and risk management, reports for management and board, asset/liability management. Provide support on acquisitions and mergers, investments, ROE/ROA improvement strategies, alliances, trends, and contracts. Environment is dynamic, competitive, and forward–looking. Need the ability to provide accurate projections of requirements and strategic plans for capital, land, buildings, and workforce. Requirements: Must have comparable finan-cial management experience in banking or transferable environment as CFO, CEO, assistant CFO, VP finance, or equivalent. Must have management experience in credit, finance, accounting, capital allocation, financial planning, capital structure and debt management, risk management, and financial integrity. Send resume to: Jennifer Mun-ro, EagleVision Performance Solutions, Inc, via e–mail [email protected] or fax 561-584-5553.

1404-15 COMMERCIAL LOAN OFFICER IIIThis position is responsible for developing new business and growth and profitability of a commercial portfolio consisting of large, complex commercial relationships. This position maintains strong sales and service culture with emphasis on sound underwriting decisions. The employee also services and maintains existing portfolio and actively promotes the bank’s product and services through community activity and marketing efforts. Perfor-mance of the duties requires a strong work ethic, excellent organization and analytical skills, as well as attention to detail. Also, requires clear communication and good cus-tomer service/public relation skills. Graduation from an accredited 4-year college with bachelor’s degree in finance or related field or a minimum of 10 years of banking expe-rience primarily in commercial lending or any equivalent combination of education, training, and experience which provides the required knowledge and abilities. Potential applicants can access a full job description by going to www.newpeoplesbank.com and clicking on “Career Op-portunities.” Send resumes to [email protected].

1404-14 CONSUMER & SMALL BUSINESS LENDER Farmers & Merchants Bank is seeking a qualified consumer and small business lender for Gibson and Madison County. The bank seeks decision makers who can manage the credit process from application to approval and closing. Ideal candidate should have 5 plus years’ experience in banking, preferably in a sales role, and possess well–developed analyt-ical and communication skills. Position involves solicitation and servicing of new business as well as the management of existing portfolio. Candidate must be knowledgeable of current bank lending regulations. Excellent opportunity for the right candidate with salary and benefits package aligned to qualifications. Qualified candidates should submit resume and salary expectations to Human Resource Director Renee Morris at [email protected] or PO Box 308, Trezevant, TN 39258.

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

1404-12 CREDIT ANALYSTCurrently seeking a Credit Analyst for Commerce Union Bank. Must have a minimum of 5 years’ analyt-ical experience with a strong knowledge of collateral documentation, financial statements, and cash–flow analysis. This position will work closely with loan offi-cers and assistants to obtain current financial informa-tion and prepare written credit analyses for new deals, renewals, and annual account servicing events. Please e-mail responses to [email protected].

1404-7 SMALL BUSINESS/COMMERCIAL LENDERLocally owned community bank in Middle Tennessee is seeking a motivated, sales-driven small business/commercial lender with 3 or more years’ experience in small business/commercial lending, as well as a proven track record of managing relationships and developing new business. Will be required to facilitate and close loans while representing the bank through community involvement and promotion of the bank. In addition to a strong sales ability, applicant should possess solid credit administration skills. A bachelor’s degree in finance or business preferred. Serious and qualified applicants please e-mail resumes to [email protected] with “Employment #1404-7” in subject line or mail to #1404-7, c/o Penny Powlas, Tennessee Bankers Association, 211 Athens Way, Suite 100, Nashville, TN 37228-1381. EEO/AA/M/F/Vets/Disability 1404-6 FINANCIAL CONSULTANTCohutta Banking Company, a division of Synovus Bank, is seeking an energetic sales professional to join our dynamic team of banking professionals. The financial consultant position is a commissioned sales position providing investment consultation to the public on stock, bonds, annuities, mutual funds, and other securities open in the Chattanooga and surrounding markets. Incumbent adheres to applicable laws, regulations, and rulings governing services, policies, and procedures of securities sales. Minimum requirements: bachelor’s degree in a related discipline; 2+ years of job-specific experience; Certifications - Series 7, Series 66, or both Series 63 and 65 license; Variable Annuity License; State Life, Accident, and Sickness License. Preferred Skills: -ChFC and/or CFP certifications. Cohutta Banking Company offers excellent salary plus incentive pay based on performance, in addition to an excellent benefits package including medical, dental, disability, vision, 401(k), employee stock

continued on the next page


Actions of Bank Regulatory Agencies

TENNESSEE DEPARTMENT OF FINANCIAL INSTITUTIONSParagon National Bank, Memphis, TN, converted from a national bank to a state–chartered commercial bank, Paragon Bank, Memphis, TN (effective 4/30/14).

FEDERAL RESERVE SYSTEMTriSummit Bancorp, Inc, Kingsport, TN, application to become a bank holding company by acquiring Tri-Summit Bank, Kingsport, TN (ap-proved 4/17/14).

TriSummit Bancorp, Inc, Kingsport, TN, waiver of application to acquire Community National Bank of the Lakeway Area, Morristown, TN, in connection with its merger with and into TriSummit Bancorp’s subsidiary, TriSummit Bank, Kingsport (granted 4/17/14).

TriSummit Bank, Kingsport, TN, application to merge with Commu-nity National Bank of the Lakeway Area, Morristown, TN (approved 4/14/14).

Franklin Synergy Bank, Franklin, TN, request for extension to 7/28/14 to merge with MidSouth Bank, Murfrees-boro, TN (granted 4/15/14).

BankTennessee, Collierville, TN, appli-cation to establish a branch at 26 Mun-ford Avenue, Munford, TN (approved 4/30/14).

Regions Bank, Birmingham, AL, appli-cation to establish a branch located at the intersection of Wolf River Boulevard and Germantown Road, Germantown, TN, to be known as the Germantown Parkway Branch (received).

HomeTrust Bancshares, Inc, Asheville, NC, request for waiver of application to acquire Jefferson Bancshares, Inc, Morristown, TN, in connection with the merger of their respective subsidiaries, HomeTrust Bank, a federal savings bank, Asheville, NC, and Jefferson Federal Bank, Morristown, TN (granted 5/9/14).

FirstCitizens Bancshares, Inc, Dyers-burg, TN, application to merge with Southern Heritage Bancshares, Inc,

Cleveland, TN, and thereby indirectly acquire Southern Heritage Bank (ap-proved 5/13/14).

OFFICE OF THE COMPTROLLER OF THE CURRENCYParagon National Bank, Mem-phis, TN, converted from national to state-chartered bank (effective 4/30/14).

The Fort Sill National Bank, Fort Sill, OK, application for new Winchester Branch, 7525 Winchester Road, Memphis, TN (received 12/13/13; approved 1/14/14; effective 5/7/14).

Capital Bank, NA, Coral Gables, FL, application to close branch at 4205 Hillsboro Rd, Nashville, TN (received 3/28/14; effective 5/9/14). ■

purchase plan, paid vacation and holidays, EAP, and opportunities for advancement. Interested applicants, please apply online: www.cohuttabank.com. Synovus is an Equal Opportunity Employer supporting diversity in the workplace. M/F/D/V/AA

1404-2 LOAN OPERATIONS DOCUMENTATION SPECIALIST – IMMEDIATE OPENING, NASHVILLEThe loan operations documentation specialist supports the vice president of lending operations and participates on a small work team to manage the process and com-pletion of loan packages from approval through funding to ensure expeditious processing and improve the client experience over the lifetime of the relationship. This position also supports the organization’s lending staff and other employees, as needed, often functioning as a contact point for business partner and clients needs re-lated to loan processes. This position requires technical acumen—loan documentation experience with the La-serPro system is required. Responsibilities will include, but are not limited to, the following: coordinates loan document preparation; researches and reviews collateral lien positions, reports potential issues impacting lien priority to team; monitors insurance associated with loan collateral requirements; files UCCs as needed; and manages document imaging requirements for the loan process. Please e-mail resumes to [email protected].

1403-14 CONTROLLERCommunity Trust & Banking Company, Ooltewah, has an immediate opening for a controller. Responsibilities include maintaining all accounting records; internal and external financial reporting; call report preparation; reconciliations; expense control and accounts payable; assistance with budgeting; and coordination with internal and external auditors and bank examinations. Qualified applicants will be proficient in Excel, attentive to detail, and possess initiative and a propensity for learning. CPA preferred. Bachelor’s degree in accounting preferred. At least 2 years of previous experience in bank accounting, bank opera-tions, or bank auditing required. Supervisory experience is not required. To apply, send resume with references and salary expectations to [email protected].

1403-13 COMMERCIAL LOAN OFFICER, GOODLETTSVILLEFirst State Bank is a multi-location financial services organization throughout the State of Tennessee. We are currently accepting resumes for a commercial loan officer in our Goodlettsville, TN, office. Candidates must have a proven track record to develop, manage, and sustain a variety of individual and commercial banking relationships by prospecting, cross-selling, relationship managing, and providing customer service. Candidates must have excellent customer interaction skills, including strong oral and written communication skills. This position is highly focused on

commercial loan production. This job requires a bach-elor’s degree and a minimum of 2 years of experience with commercial lending or equivalent work–related experience. This position also requires a minimum of 1 year of on-the-job credit training experience. First State Bank offers competitive salaries and excellent benefits. Please mail or e–mail resumes with cover letter to: [email protected] or First State Bank, Attn: Human Resources, 1720 West End Ave, Ste 500, Nashville, TN 37203. EOE M/F/D/V

1403-12 ACCOUNTING CLERKTri-State Bank of Memphis is currently seeking an accounting clerk to join its team in Memphis, TN. Duties include reconciling general ledger accounts; preparing and posting journal entries; processing accounts payable and maintaining vendor files; rec-onciling bank statements; and verifying the accuracy of invoices and proper coding. Acts as backup for other accounting staff and perform GL maintenance as needed. Requires a high school diploma with 1 -3 years’ experience in accounts payable or general ac-counting; associate’s degree a plus; banking experi-ence preferred; Microsoft Excel–proficient; attention to detail and well organized. An Equal Opportunity/Affirmative Action Employer-AA/EOE/M/F/D/V. Send resumes to [email protected]. ■


Professional Development CalendarJune 3 2013-2014 Risk Management Officer Forums – Session 3 of 3 TBA Gilliam Board Room, Nashville

June 8-10 124th TBA Annual Meeting The Breakers, Palm Beach, FL

June 25, 26, 27 CFO/Controller Forums – Session 2 of 3 TBA Gilliam Board Room, Nashville

July 15 Branch Management Series – Session 2 of 4 TBA Gilliam Board Room, Nashville

July 18 IT/Operations Officer Forums – Session 2 of 3 TBA Gilliam Board Room, Nashville

July 20-25, Concurrent Sessions The Southeastern School of BankingSM I & II Belmont University, Nashville

July 22, 23, 24 NEW Fair Lending Compliance Knoxville, Nashville, Jackson

July 24 2013-2014 Senior Human Resources Forums – Session 3 of 3 TBA Gilliam Board Room, Nashville

July 31 NEW Train the Trainer TBA Barrett Training Center, Nashville

August 12 2013-2014 Senior Compliance Officer Forums – Session 4 of 4 TBA Barrett Training Center, Nashville

August 13 & 14, 15 Internal Audit Programs TBA Barrett Training Center, Nashville

August 19 NEW Risk Management: Enhancing Our Banking Model TBA Barrett Training Center, Nashville

August 26 & 27 Training the Credit Analyst TBA Barrett Training Center, Nashville

August 28 & 29 Basic Consumer Lending TBA Barrett Training Center, Nashville

September 4 IRS Reporting TBA Barrett Training Center, Nashville

September 8, 9, 10, 11 BSA/AML Compliance Management Kingsport, Knoxville, Jackson, Nashville

September 15 & 16, 17 & 18, 24 & 25 Compliance with Federal Lending Regulations Nashville, Knoxville, Jackson

September 16, 17, 18 CEO Forums – Session 3 of 3 TBA Gilliam Board Room, Nashville

September 23 & 24 The Southeastern Institute for IRA Training Franklin Marriott Cool Springs, Franklin

September 24, 25, 26 2014-2015 Senior Lender Forums – Session 1 of 3 TBA Barrett Training Center, Nashville

September 30 Branch Management Series – Session 3 of 4 TBA Gilliam Board Room, Nashville

October 1 & 2 Compliance Conference Nashville Airport Marriott, Nashville

October 16-17 Trust & Wealth Management Conference TBA Barrett Training Center, Nashville

NOTE: While this calendar represents current programs for 2014 scheduled by TBA at print time, occasionally other “hot topics” are added to the calendar throughout the year. We encourage you to look at the monthly calendar in The Tennessee Banker magazine and visit www.TNBankers.org for the most current information about TBA events and programs.

October 20, 21, 22, 23 - Evening EVENING New Accounts in Tennessee Jackson, Nashville, Kingsport, KnoxvilleOctober 22, 23, 24 CFO/Controller Forums – Session 3 of 3 TBA Gilliam Board Room, Nashville

October 28, 29 Personal and Business Financial Statement & Tax Return Analysis Knoxville, Nashville

October 30 Workshop for Loan Assistants and Loan Processors Nashville

October 31 NEW Commercial Real Estate Construction Lending TBA Barrett Training Center, NashvilleOctober 30 & 31 Independent Bankers Division Convention DoubleTree by Hilton, Nashville

November 5 Branch Management Series – Session 4 of 4 TBA Gilliam Board Room, Nashville

November 6 2014-2015 Senior Human Resources Forums – Session 1 of 3 TBA Gilliam Board Room, Nashville

November 6 & 7 Bank Security and Risk Management Conference Nashville Airport Marriott, Nashville

November 13 2014-2015 Senior Compliance Officer Forums – Session 1 of 4 TBA Barrett Training Center, NashvilleNovember 14 IT/Operations Officer Forums – Session 3 of 3 TBA Gilliam Board Room, Nashville

November 17, 18, 19, 20 NEW Integrated Disclosures and Revised Finance Change Rules Jackson, Nashville, Knoxville, Kingsport

“Blah, blah, blah, blah, performance... and blah, blah, blah, earnings.”

Institutions at rest tend to remain at rest.

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TENNESSEE BANKERThe Tennessee Banker (ISSN 0040-3199) is published monthly by the Tennessee Bankers...

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