Financial institutions today, 2015-07

Inside this issue:
Annual 2 Assessment for Georgia State-
Chartered Financial Institutions
Annual 2 Assessment for Supervised Bank
Holding Companies
Georgia 2 Residential Mortgage Act Fee Semi-Annual Reporting and Payment Process
Action on 3 Applications for
the Month

News and topics of interest to financial institutions regulated by the Department of Banking and Finance
July 2015

Meet District Director Mark Smith
Mark Smith was recently named District Director of the Department's Southwest (District 5) field office located in Tifton. In his new position as District Director, Mark will assume field regulatory and supervisory responsibilities for the financial institutions in the District.
Mark began his career with the Department in July of 1991 and has worked in the Southeast (District 4) field office located in Dublin during his tenure. Mark has 24 years of experience as a bank examiner, which includes serving as a Supervisory Examiner and serving as a subject matter expert in credit unions.
Mark is a graduate of Georgia College & State University with a BBA in Accounting and is a Certified Examinations Manager.
Congratulations Mark!

Mark Smith

DBF Outreach AND UPCOMING SPEAKING ENGAGEMENTS
Senior Deputy Commissioner Steve Pleger participated on a regulatory panel at the CBA Banker Regulatory Forum on August 6th in Macon, GA.

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July 2015

Annual Assessment for Georgia State-Chartered Financial Institutions
The Department will e-mail the annual assessment fee letters to Georgia state-chartered banks and credit unions in August, and the fees will be assessed on September 15, 2015.
Please complete and submit any change of information by August 31, 2015, using the Electronic Funds Transfer ("EFT") Authorization Form. The EFT Authorization Form and Instructions can be found on the Department's website at: http:// dbf.georgia.gov/documents/electronic-funds-transfer-authorization-form-and-instructions.
Please e-mail or call Chris Pittman with any questions at cpittman@dbf.state.ga.us or 770-986-1641.

Annual Assessment for Supervised Bank Holding Companies
The Department will e-mail the annual holding company assessment fee letters to supervised bank holding companies in August. The fees are due by September 15, 2015, and online reporting/payment is mandatory from the Department's website at: https://bkgfin.dbf.state.ga.us/HCAssessments.html.
Please e-mail or call Chris Pittman with any questions at cpittman@dbf.state.ga.us or 770-986-1641.
Georgia Residential Mortgage Act Fee ("GRMA") Semi-Annual Reporting and Payment Process
The GRMA fee on-line reporting and payment process changed substantially effective January 2, 2015. Refer to the Department's website for a more detailed discussion of these changes at http://dbf.georgia.gov/changes-georgiaresidential-mortgage-act-10-loan-fee-reporting-and-payment-process.
To avoid fines for failure to remit GRMA fees when due, reporting and payment must be completed online at https://bkgfin.dbf.state.ga.us/GRMAFee.html by the deadlines established in Rule 80-5-1-.04. Please be reminded that zero ($0) reporting is no longer required. Fees collected for the period January 1 through June 30, 2015, should be remitted to the Department through the online reporting and payment site no later than the first business day of September. For the current GRMA semi-annual period, any filings made after September 1, 2015, are considered late and must be made by submitting the hardcopy fee statement form, along with the GRMA fees and any late fees due.
On June 30, 2015, the Department sent an e-mail notification to the contact person that submitted the prior semi-annual report through the Department's online reporting and payment site and to the current contact for the licensee that is listed in the NMLS. For state-chartered institutions and Georgia mortgage licensees, the Department also sent a similar notification to the primary institution/licensee contact.
IMPORTANT NOTE: Most of the Department's payment sites perform better using the Mozilla Firefox browser. If you use Internet Explorer, please ensure that you have version 10 or higher. Keep in mind that you may also need to refresh your browser and clear your browser's cache to ensure that you see the current, active page.

HOLIDAY CLOSING This is a reminder that the Department will be closed on Monday, September 7th for Labor Day.

July 2015

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Action on Applications for the Month:

The following is a summary of official action taken on applications by State Financial Institutions under Title 7, Chapter 1 of the O.C.G.A. and petitions for Certificate of Incorporation of Financial Institutions and other matters of interest during the month of July 2015.

PREVIOUS NAME Robins Federal Credit Union

FINANCIAL INSTITUTION CONVERSIONS

CONVERTED TO Robins Financial Credit Union Warner Robins Houston County

APPROVAL 07-21-2015

EFFECTIVE

FINANCIAL INSTITUTION Farmers State Bank Lumpkin, GA 31815

APPLICATIONS FOR DISSOLUTION
APPROVAL 07-10-2015

EFFECTIVE

FINANCIAL INSTITUTION SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
PeoplesSouth Bank Colquitt
PeoplesSouth Bank Colquitt

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

BRANCH OFFICE Del Mar Branch Office 322 8th Street, Suite 100 Del Mar, CA 92014 San Diego County

APPROVAL 07-08-2015

Market Drive Branch Office 227 Market Drive Lenoir City, TN 37771 Loudon County

02-23-2015

Los Angeles Branch Office 1999 Avenue of the Stars Los Angeles, CA 90067 Los Angeles County

07-08-2015

San Diego Branch Office 655 West Broadway, 13th Floor San Diego, CA 92101 San Diego County

07-08-2015

San Francisco Branch Office One Montgomery Street, Suite 2800 San Francisco, CA 94104 San Francisco County

07-08-2015

Fourth Street Branch Office 58 Fourth Street Apalachicola, FL 32328 Franklin County

07-06-2015

Central Avenue West Branch Office 20455 Central Avenue West Blountsville, FL 32424 Calhoun County

07-06-2015

BEGIN BUSINESS 07-27-2015

Page 4 FINANCIAL INSTITUTION PeoplesSouth Bank Colquitt
PeoplesSouth Bank Colquitt
PeoplesSouth Bank Colquitt
PeoplesSouth Bank Colquitt
Metro City Bank Doraville
The Brand Banking Company Lawrenceville
The Brand Banking Company Lawrenceville
PREVIOUS NAME LaGrange Banking Company LaGrange

BRANCH OFFICE Highway 71 Branch Office 2260 Highway 71 Marianna, FL 32448 Jackson County
West 23rd Street Branch Office 400 West 23rd Street Panama City, FL 32405 Bay County
Cecil G Costin Sr Boulevard Branch Office 418 Cecil G Costin Sr Boulevard Port Saint Joe, FL 32456 Gulf County
Capital Circle Branch Office 2721 Capital Circle NE Tallahassee, FL 32308 Leon County
Montgomery Branch Office 2779 Bell Road Montgomery, AL 36117 Montgomery County
Dacula Branch Office 485 Dacula Road Dacula, GA 30019 Gwinnett County
Suwanee Branch Office 480 Industrial Boulevard Suwanee, GA 30024 Gwinnett County

APPROVAL 07-06-2015 07-06-2015 07-06-2015 07-06-2015 01-15-2015 Pending Pending

July 2015 BEGIN BUSINESS
07-06-2015

NOTICE OF CHANGE IN NAME
NEW NAME EFFECTIVE DATE Calumet Bank

APPROVAL DATE 06-02-2015 07-10-2015

PROPOSED NAME Family First Credit Union
Southeastern Credit Union

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY Fulton County

APPLICANT Mr. Stephen P. Smith President Fulton Teachers Credit Union 3604 Atlanta Avenue Hapeville, GA 30354

Lowndes County

Mr. Steve Morrill Chief Financial Officer Southeastern Federal Credit Union P.O. Box 2067 Valdosta, GA 31604-2067

July 2015
FINANCIAL INSTITUTION (SURVIVOR)
Southern States Bank Anniston, AL
United Community Bank Blairsville, GA
United Community Bank Blairsville, GA
FSGBank, National Association Chattanooga, TN
Members First Credit Union Decatur, GA
Hamilton State Bank Hoschton, GA
FirstBank Lexington, TN
State Bank and Trust Company Macon, GA
Renasant Bank Tupelo, MS

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION EFFECTIVE DATE Columbus Community Bank Columbus, GA
First National Bank Lenoir City, TN
The Palmetto Bank Greenville, SC
Atlantic Capital Bank Atlanta, GA
Chatham Federal Credit Union Savannah, GA
Highland Commercial Bank Marietta, GA
Northwest Georgia Bank Ringgold, GA
First Bank of Georgia Augusta, GA
HeritageBank of the South Albany, GA

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APPROVAL DATE Pending 06-26-2015 07-17-2015 Pending Pending Pending Pending Pending 07-06-2015 07-24-2015 06-25-2015 07-01-2015

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

BANK HOLDING COMPANY

TO ACQUIRE

APPROVAL DATE

FORMATIONS NOA Bancorp, Inc. Duluth, GA

NOA Bank Duluth, GA

Pending

ACQUISITIONS Southern States Bancshares, Inc. Anniston, AL
Atlantic Capital Bancshares, Inc. Atlanta, GA
United Community Banks, Inc. Blairsville, GA
Hamilton State Bancshares, Inc. Hoschton, GA

Columbus Community Bank Columbus, GA
First Security Group, Inc. Chattanooga, TN
Palmetto Bancshares, Inc. Greenville, SC
Highland Financial Services, Inc. Marietta, GA

Pending Pending 07-09-2015 Pending

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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
Visit our website at: dbf.georgia.gov

July 2015
The Department is the state agency that regulates and examines Georgia state-chartered banks, state-chartered credit unions, and state-chartered trust companies. The Department also has responsibility for the supervision, regulation, and examination of Merchant Acquirer Limited Purpose Banks (MALPBs) chartered in Georgia.
In addition, the Department has regulatory and/or licensing authority over mortgage brokers, lenders and processors, mortgage loan originators, check cashers, sellers-issuers of payment instruments, money transmitters, 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 a willing and able partner with our regulated entities in order to support vibrant and economic growth and prosperity in Georgia.

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