Financial institutions today, Oct. 2012

Inside this issue:

Financial

2

Institution

Emergency

Contact

Information

2013 State

3

Holidays

Action on

4

Applications for

the Month of

October

Customer Service 5 Stars for the
Month of October

News and topics of interest to financial institutions regulated by the Department of Banking and Finance

Monthly Bulletin #10

October 2012

Annual Assessment for State-Chartered Financial Institutions
The annual assessment fee letters will be e-mailed to banks and credit unions early in December, and the fees will be assessed on January 31, 2013.
Please complete and submit by December 31, 2012, the Electronic Funds Transfer Authorization/ACH Form for any change of information. The ACH Authorization and Instructions Form can be found on our website from the Banks & Holding Companies Banking Memos and Guidance page or from the Credit Unions CU Policy Statements and Guidance page.
Please e-mail or call Renee` Martin with any questions at rmartin@dbf.state.ga.us or 770-9861641.

Contact

6

Information

DBF Outreach AND UPCOMING SPEAKING ENGAGEMENTS
Commissioner Braswell will be participating on a panel at the Georgia Chamber of Commerce's Tax &
Finance Committee meeting at the Marriott Marquis, Atlanta, GA on November 9th. Commissioner Braswell will also be meeting with three GBA Roundtable Groups at the Idle Hour Country Club in Macon on November 16th, 28th and 30th.
Deputy Commissioner for Supervision Kevin Hagler will be participating on a regulatory panel at the
CBA Regulation & Taxation Committee meeting on November 8th, being held at Vinings Bank, Smyrna, GA. Kevin will also be meeting with two GBA Roundtable Groups at the Idle Hour Country Club in Macon on November 29th and December 5th.
"Safeguarding Georgia's Financial Services"

Page 2

October 2012

Financial Institution Emergency Contact Information
We would like to take this opportunity to remind Georgia state-chartered financial institutions to ensure that their emergency contact information on file with the Department is current and accurate.
Georgia state-chartered banks can update their information here: https://bkgfin.dbf.state.ga.us/BkEmergCont.html
Georgia state-chartered credit unions can update their information here: https://bkgfin.dbf.state.ga.us/CUEmergCont.html
Institutions will need their FDIC Certificate # (banks) or NCUA Charter # (credit unions) and a password to access the system. Forgotten password requests can be sent via e-mail to either dbfcorp@dbf.state.ga.us or Director of Communications and Planning Carol Webb at webbc@dbf.state.ga.us.

Emergency Communications System (ECS)
In September 2011, the Department announced a new tool that will be utilized to communicate with Georgia state-chartered institutions during emergency situations. The ECS, provided and supported by the Federal Reserve Bank of St. Louis, enhances the Department's existing emergency contact information system, giving our agency the ability to quickly reach our institutions via various methods. ECS allows the Department to quickly establish a two-way communication channel, provide key updates, ascertain the operational status of an institution and provide ongoing updates during an emergency/ disaster situation. The Department can authorize the ECS Support Center to send messages to institutions using mediums such as voice, text or email messages. The ECS can also poll institutions, track responses from institutions, and provide financial institution regulators with an update on the status of institutions throughout a crisis.
Testing of the ECS
Twice a year, the Department will conduct a test of the ECS. The goal of each semi-annual test is to validate financial institution emergency contact information stored in our database to ensure the accuracy of that information.
On Wednesday October 24, 2012, a semi-annual test of the ECS was conducted to ensure the accuracy of work e-mail addresses for financial institution emergency contacts and confirm ECS' capability to deliver a notification in a timely manner. The results of this test were very positive! Thank you to those that were able to respond.
For future reference, please ensure that your institution's spam filtering tool recognizes the ECS e-mail address (ecs.support@stls.frb.org) and the Department's e-mail addresses (@dbf.state.ga.us) as valid entries.

October 2012

Page 3

2013 State Holidays
In accordance with O.C.G.A. 1-4-1, Governor Nathan Deal proclaimed the following dates in 2013 as public and legal state holidays when the Capitol and all State agencies will be closed:

Holiday Name New Years Day 2013 Robert E. Lee's Birthday
Martin Luther King Jr.'s Birthday Washington's Birthday
Confederate Memorial Day Memorial Day Independence Day Labor Day Columbus Day Veterans' Day Thanksgiving Day
Christmas Day

Date Observed January 1st Tuesday January 19th Saturday Will be observed on Friday, November 29th January 21st Monday
February 18th - Monday Will be observed on Tuesday, December 24th
April 22nd Monday
May 27th Monday
July 4th Thursday
September 2nd Monday October 14th Monday November 11th Monday
November 28th Thursday Lee's Birthday will be observed on Friday, November 29th
December 25th Wednesday Washington's Birthday will be observed on Tuesday, December 24th

UPCOMING 2012 HOLIDAY CLOSINGS
This is a reminder that the Department will be closed on Monday, November 12th for Veterans' Day,
Thursday, November 22nd for Thanksgiving Day, and Friday, November 23rd in observance of Robert E. Lee's Birthday.

Page 4

October 2012

Action on Applications for the Month of October:
The following is a summary of official action taken on applications by State Financial Institutions under Chapter 7-1 of the Code of Georgia and petitions for Certificate of Incorporation of Financial Institutions and other matters of interest during the month of October 2012.

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

FINANCIAL INSTITUTION Private Bank of Buckhead
Atlanta

BRANCH OFFICE Decatur Branch Office 150 East Ponce de Leon Avenue Suite 120 Decatur, GA 30030 DeKalb County

APPROVAL 01-19-2012

BEGIN BUSINESS 10-22-2012

Ameris Bank Moultrie

Hilton Head Island Branch Office 3 Office Way Hilton Head Island, SC 29928 Beaufort County

06-19-2012

10-01-2012

FINANCIAL INSTITUTION HeritageBank of the South
Albany

APPLICATIONS TO CHANGE LOCATION

CHANGE LOCATION OF Valdosta Inner Perimeter Road Branch Office From: 3277 Inner Perimeter Road Valdosta, GA 31604 Lowndes County To: 3295 Inner Perimeter Road Valdosta, GA 31604 Lowndes County

APPROVAL EFFECTIVE 10-26-2012

APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION

BANK HOLDING COMPANY SCBT Financial Corporation
Columbia, SC

TO ACQUIRE The Savannah Bancorp, Inc.
Savannah, GA

APPROVAL 10-17-2012

FINANCIAL INSTITUTION (SURVIVOR) Atlanta Postal Credit Union Atlanta, GA
SCBT Columbia, SC

FINANCIAL INSTITUTION MERGERS

MERGED INSTITUTION Smith & Sons Employees Credit Union Macon, GA
Bryan Bank & Trust Richmond Hill, GA

APPROVAL EFFECTIVE 08-08-2012 10-01-2012
10-17-2012

October 2012

CHECK CASHER LICENSES ISSUED

CITY Atlanta Atlanta Roswell College Park Savannah Blue Ridge Rome Atlanta Moultrie Statenville Omega Lawrenceville Alma Norcross Macon Columbus Hiawassee Duluth Pelham Thomasville Marietta Savannah Bainbridge Columbus Cartersville

APPLICANT NAME A.M.A. Convenience and Check LLC Ali Amiraz, Inc. Almas Hashim Arian Janan Enterprises, Inc. * Arpit, Inc. B and D Petroleum, LLC BCTS, LLC Don Angel Multi-Services, LLC * Hetal Enterprises, Inc. * Hilda E. Richardson J Antonio Raya Raya * MAHA Investments, Inc. * MSVD Incorporated Mejia Multiservices, LLC * Multi Fashion, LLC MultiGla Services, Inc. National Title Pawn of Hiawassee, Inc. Patiala Food Mart, Inc. * Pelham Enterprises, Inc. Purva, LLC * Real Cabana Restaurant, Inc. * Shivani Trading, Inc. Stanley Hester Barr Yoon Enterprise Group LLC * Zamar LLC

TRADE NAME
BP Food Mart Exxon Food Mart Stop & Shop Al's Discount Liquor Raceway 6871 Mr. Payroll
Bishop's Cigarette Outlet TCJKL Services Video Tienda Jesus Maria #3 Quick Mart The Easy
Multi Fashion MultiGla Services National Title Pawn
Quick Mart #4 Outlet Liquor Real Cabana Restaurant Shyam Food Mart Stanley Barr Check Cashing Little Joe's 1 Stop Party Shop Zamar Chevron

* =Registered (O.C.G.A. 7-1-700 et al)

Page 5

CUSTOMER SERVICE STAR FOR THE MONTH OF OCTOBER
It is the Department's goal to provide excellent customer service by meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individual and/or team for going above and beyond in serving our customers:
Financial Examiner Bob Herndon (District 4) The Department received comments from a customer stating: "I would like to say that the visitation was well received by management. The examiners seemed to want to help management overcome their problems. Questions were well answered. Even though the examiners were quick to point out problems, they were also helpful in helping management know what a solution could be to the problems. Bob Herndon and the FDIC's lead examiner are excellent leaders and an asset to helping banks correct their problems."
CONGRATULATIONS AND GREAT JOB TO THIS MONTH'S CUSTOMER SERVICE STARS!!

Page 6
GEORGIA
DEPARTMENT OF BANKING AND FINANCE
2990 Brandywine Road Suite 200
Atlanta, Georgia 30341-5565
Phone: (770) 986-1633 Fax: (770) 986-1654 or 1655 Email: dbfpress@dbf.state.ga.us

October 2012
The Department is the state agency that regulates and examines banks, credit unions, and trust companies chartered by the State of Georgia. The Department also has regulatory and/or licensing authority over mortgage brokers/processors, lenders and loan originators, money service businesses, international banking organizations, and bank holding companies conducting business in Georgia.
Our Mission is to promote safe, sound, competitive financial services in Georgia through innovative, responsive regulation and supervision.
Our Vision is to be the best financial services industry regulator in the country Progressive. Proactive. Service-Oriented.

We're on the Web!
Visit our website at: dbf.georgia.gov

Sign-up to Receive this Publication:
This publication is delivered to interested parties via e-mail and is also available from the Department's website at: http://dbf.georgia.gov under Publications, Financial Institutions Bulletin.
If you would like to be added to our distribution list, send an e-mail to dbfpress@dbf.state.ga.us stating your name and e-mail address. Please be sure to include "Subscribe to Financial Institutions Bulletin" in the Subject line.