Inside this issue: Action on 2 Applications for the Month of April Contact 5 Information News and topics of interest to financial institutions regulated by the Department of Banking and Finance Monthly Bulletin #4 April 2012 Georgia State Small Business Credit Initiative (SSBCI) Capital Access, Funding and Guarantee Programs Seminar The Georgia State Small Business Credit Initiative (SSBCI) Program is providing $48 million in funding to lenders to provide credit enhancements to help bridge the gaps that otherwise prevent the approval of sound small business loans. On May 23, 2012 at the Atlanta Marriott Century Center, the Georgia Department of Community Affairs will conduct a seminar to discuss the three new Georgia credit enhancement initiatives: the Georgia Capital Access Program (GCAP); the Small Business Credit Guarantee (SBCG); and, Georgia Funding for CDFIs. The State of Georgia SSBCI is flexible and streamlined for lenders, with a delegated lending model that minimizes risk, lowers exposure, strengthens marginal loans, and offers opportunity for CRA credit. For more information about the Georgia SSBCI Program, visit http://www.georgia-ssbci.com/. View the May 23rd SSBCI seminar flier containing registration information and other details at: http://www.georgia-ssbci.com/docs/SSBCIflyer5-23-2012Atl.pdf. DBF Outreach AND UPCOMING SPEAKING ENGAGEMENTS Commissioner Braswell will be speaking at the Georgia Credit Union Affiliates' Annual Convention at the Savannah International Trade & Convention Center in Savannah on May 11th. Senior Deputy Commissioner Steve Pleger participated on a regulatory panel at the CBA Regulation & Taxation Committee meeting on May 3rd at CBA Headquarters in Marietta, GA. Steve will serve as moderator on a regulatory panel at the Department of Community Affairs' State Small Business Credit Initiative (SSBCI) Seminar on May 23rd at the Atlanta Marriott Century Center, Atlanta, GA. "Safeguarding Georgia's Financial Services" Page 2 Action on Applications for the Month of April: 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 April 2012. APPLICATIONS TO ESTABLISH A BRANCH OFFICE FINANCIAL INSTITUTION HeritageBank of the South Albany BRANCH OFFICE Auburn Branch Office 1943 East Glen Avenue Auburn, AL 36830 Lee County APPROVAL 04-27-2012 BEGIN BUSINESS Community Business Bank Cumming Peachtree Parkway Branch Office 505 Peachtree Parkway Cumming, GA 30041 Forsyth County 01-19-2012 04-23-2012 Metro Bank Douglasville Main Office 9340 The Landing Drive Douglasville, GA 30135 Douglas County 11-09-2011 04-30-2012 Fidelity Bank Norcross Nuckolls Road Branch Office 2740 Nuckolls Road Cumming, GA 30041 Forsyth County 10-18-2011 04-23-2012 The Citizens Exchange Bank Pearson Birmingham Branch Office 800 Shades Creek Parkway Suite 100 Birmingham, AL 35209 Jefferson County Pending FINANCIAL INSTITUTION (SURVIVOR) Credit Union of Atlanta Atlanta, GA The Farmers Bank Forsyth, GA The Farmers Bank Forsyth, GA The Farmers Bank Forsyth, GA Bank of Upson Thomaston, GA Bank of Upson Thomaston, GA FINANCIAL INSTITUTION MERGERS MERGED INSTITUTION Atlanta Teachers Federal Credit Union Atlanta, GA The Bank of Perry Perry, GA The Peoples Bank Covington, GA Spivey State Bank Swainsboro, GA The First National Bank of Polk County Cedartown, GA Peachtree Bank Maplesville, AL APPROVAL Pending EFFECTIVE Withdrawn 04-09-2012 Withdrawn 04-09-2012 Withdrawn 04-09-2012 Pending Pending FINANCIAL INSTITUTION (SURVIVOR) Bank of Upson Thomaston, GA MERGED INSTITUTION Bank of Chickamauga Chickamauga, GA Page 3 APPROVAL Pending EFFECTIVE APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION FORMATIONS ONLY BANK HOLDING COMPANY Sterne Agee Group, Inc. Birmingham, AL TO ACQUIRE SUM Financial Corporation Pearson, GA APPROVAL Pending NOTIFICATION OF APPROVAL OF APPLICATION TO SERVE A RESIDENTIAL GROUP COMMON BOND CREDIT UNION Georgia United Credit Union Duluth RESIDENTIAL GROUP COMMON BOND Whitfield County, GA APPROVAL 04-02-2012 Dupont Community Credit Union Hixson, TN Dade County, GA 04-17-2012 Five Star Credit Union Dothan, AL Miller County, GA 04-17-2012 DOCO Credit Union Albany Stephens County, GA 04-25-2012 HOLIDAY OBSERVANCE--OFFICE CLOSING This is a reminder that the Department will be closed on Monday, May 28th for the Memorial Day holiday. Page 4 CHECK CASHER LICENSES ISSUED CITY Albany Covington Cairo LaGrange Moultrie Clarkston Calhoun Savannah Dalton Baxley Columbus Tifton Newnan Winder Chamblee Waynesboro Toccoa Warner Robins Hoboken Savannah Atlanta APPLICANT NAME * Avni, Inc. * Big E Z Wireless, Inc. * Cairo IGA, LLC Cash Finance, Inc. * Efrain Raya JB Liquor Enterprise, LLC * Jose Gabriel Murguia Manilla Kokil, Inc. La Latina, Inc. Nishu, Inc. P&J Beverage Corp. * P&K Food Mart, LLC Pawn Express of Newnan, Inc. RMA FoodMart, Inc. * Riana Enterprises, Inc. * Smidel, Inc. * Swami Ent., Inc. * Tienda Y Carniceria Rey David, LLC * Tony R. Griffin Trish Corporation West End Gold & Check Cashing, LLC TRADE NAME Chevron Food Mart Big E Z Wireless Cairo IGA Cash Finance Video Tienda Jesus Maria #1 JB Liquor Phylos Geek and Cyber Services Jasmine Food Mart Fastrac Forrest Road Package Store Elm Street Mart Jet Market A&A Minit Mart Royal Foods #38 Eastside Gun & Pawn T&K Liquor, Beer and Wine West End Check Cashing * =Registered (O.C.G.A. 7-1-700 et al) MONEY TRANSMITTER Biller Services LLC San Francisco, CA MONEY TRANSMITTER LICENSES ISSUED APPROVAL 04-16-2012 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 Page 5 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. 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