Inside this issue: October is 2 National Cyber Security Awareness Month Action on 2 Applications for the Month News and topics of interest to financial institutions regulated by the Department of Banking and Finance September 2015 Department Issues Proposed Rulemaking and Provides Opportunity to Comment On September 24, 2015, pursuant to the provisions of the Georgia Administrative Procedure Act, O.C.G.A. 50-13-1 et seq., and by the authority of O.C.G.A. 7-1-61, 7-1-1012, 7-9-13 and other cited statutes, the Department of Banking and Finance hereby gives notice of its intent to adopt new rules. Comments to the Department of Banking and Finance (Department) must be received by the close of business on Monday, October 26, 2015. To read the proposed rules or to learn where to submit comments, go to the following URL on the Department's website: http://dbf.georgia.gov/documents/2015-dbf-proposed-rulemaking9-24-2015. Conference of State Bank Supervisors (CSBS), Federal Reserve Publish National Survey, Town Hall Summaries on the State of Community Banking Gathering for the Community Banking in the 21st Century Research and Policy Conference at the Federal Reserve Bank of St. Louis, the CSBS and the Federal Reserve published the results of a national survey and town hall meetings with bankers from across the country. The annual Community Banking in the 21st Century Research and Policy Conference brings together community bankers, policymakers, and state and federal regulators from around the country to discuss the latest community bank research. This is the third year of the conference. The Community Banking in the 21st Century National Survey was administered by state bank commissioners in 39 states. A total of 974 community bankers participated in the survey. The survey provides a national view of bankers' thoughts about key issues facing the industry and how they are responding to market conditions. The survey results and town hall summaries are available on the Community Banking in the 21st Century Research Conference website, www.communitybanking.org. Survey results from Georgia are included on page 36 of the report. The Commissioner appreciates the efforts of those bankers that participated in the survey and town hall meetings. Together, the survey and town hall narratives provide valuable insight that can be used to better understand and further the development of the community banking industry. Page 2 September 2015 October is National Cyber Security Awareness Month Here at the Department we are working hard to improve our own cyber awareness and continue to strengthen our cybersecurity. This includes preparing for what seems inevitable -- a cyber breach. Has your institution conducted a cybersecurity assessment yet? If not, please take a look at the Federal Financial Institutions Examination Council (FFIEC) Cybersecurity Assessment tool on the FFIEC's website at: http://www.ffiec.gov/ cybersecurity.htm. Regulators are adding this to their examination scope as early as this month! 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 September 2015. FINANCIAL INSTITUTION CONVERSIONS PREVIOUS NAME Southeastern Federal Credit Union CONVERTED TO Southeastern Credit Union Valdosta Lowndes County APPROVAL 09-18-2015 EFFECTIVE APPLICATIONS TO ESTABLISH A BRANCH OFFICE FINANCIAL INSTITUTION Glennville Bank Glennville BRANCH OFFICE Statesboro Branch Office 203 Savannah Avenue Statesboro, GA 30458 Bulloch County APPROVAL BEGIN BUSINESS 09-01-2015 The Brand Banking Company Lawrenceville Suwanee Branch Office 480 Industrial Boulevard Suwanee, GA 30024 Gwinnett County Pending Fidelity Bank Norcross 53rd Avenue Branch Office 415 53rd Avenue West Bradenton, FL 34207 Manatee County 06-22-2015 09-14-2015 DBF Outreach AND UPCOMING SPEAKING ENGAGEMENTS Commissioner Hagler will be speaking at the Georgia Bankers Association's (GBA) President/CEO Conference on October 12, 2015 at the Ritz-Carlton Lodge, Reynolds Plantation, Greensboro, GA. Learn more about the event. Senior Deputy Commissioner Steve Pleger will be participating in the National Association of State Credit Union Supervisors (NASCUS) State Summit on October 21-23, 2015 at the Sheraton New Orleans Hotel, New Orleans, LA. The information and registration link for the Summit is: http://www.nascus.org/events/summit-2015.cfm. September 2015 FINANCIAL INSTITUTION Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross Fidelity Bank Norcross The Citizens Bank of Swainsboro Swainsboro BRANCH OFFICE Cortez Branch Office 2412 Cortez Road West Bradenton, FL 34207 Manatee County Manatee Branch Office 4601 Manatee Avenue West Bradenton, FL 32409 Manatee County Mt. Vernon Branch Office 9819 Cortez Road West Bradenton, FL 34210 Manatee County State Road 70 Branch Office 3005 53rd Avenue East Bradenton, FL 34203 Manatee County Village Green Branch Office 7051 Manatee Avenue West Bradenton, FL 34209 Manatee County Longboat Key Branch Office 5390 Gulf of Mexico Drive, Suite 101 Longboat Key, FL 34228 Sarasota County Berkeley Lake Branch Office 4591 Peachtree Industrial Boulevard Norcross, GA 30092 Gwinnett County Haben Branch Office 995 North Haben Boulevard Palmetto, FL 34221 Manatee County Snellville Branch Office 1595 Scenic Highway North Snellville, GA 30078 Gwinnett County Statesboro Branch Office 1101 Brampton Avenue Statesboro, GA 30458 Bulloch County APPROVAL 06-22-2015 06-22-2015 06-22-2015 06-22-2015 06-22-2015 06-22-2015 05-06-2015 06-22-2015 05-06-2015 08-24-2015 Page 3 BEGIN BUSINESS 09-14-2015 09-14-2015 09-14-2015 09-14-2015 09-14-2015 09-14-2015 09-01-2015 09-14-2015 09-01-2015 09-15-2015 APPLICATIONS TO CHANGE LOCATION FINANCIAL INSTITUTION CHANGE LOCATION OF SunTrust Bank Orange Blossom & Oak Ridge Branch Office Atlanta From: 6900 South Orange Blossom Trail Orlando, FL 32809 Orange County To: 5748 S Orange Blossom Trail Orlando, FL 32839 Orange County APPROVAL 06-26-2015 EFFECTIVE 09-21-2015 Page 4 FINANCIAL INSTITUTION (SURVIVOR) Pentagon Federal Credit Union Alexandria, VA Alma Exchange Bank & Trust Alma, GA Alma Exchange Bank & Trust Alma, GA Alma Exchange Bank & Trust Alma, GA Southern States Bank Anniston, AL United Community Bank Blairsville, GA FSGBank, National Association Chattanooga, TN Members First Credit Union Decatur, GA FirstBank Lexington, TN MidSouth Federal Credit Union Macon, GA First Peoples Bank Pine Mountain, GA FINANCIAL INSTITUTION MERGERS September 2015 MERGED INSTITUTION Fort Gordon and Community Credit Union Fort Gordon, GA Pineland State Bank Metter, GA Peoples State Bank & Trust Baxley, GA Citizens State Bank Kingsland, GA Columbus Community Bank Columbus, GA The Palmetto Bank Greenville, SC Atlantic Capital Bank Atlanta, GA Chatham Federal Credit Union Savannah, GA Northwest Georgia Bank Ringgold, GA Consolidated Public Safety Credit Union Macon, GA The Greenville Banking Company Greenville, GA APPROVAL Pending Pending Pending Pending Pending 08-25-2015 Pending 09-02-2015 09-02-2015 09-10-2015 Pending EFFECTIVE 09-01-2015 09-18-2015 APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION BANK HOLDING COMPANY TO ACQUIRE APPROVAL FORMATIONS WCSB Holding Company, Inc. Abbeville, GA Wilcox County State Bank Abbeville, GA 09-22-2015 NOA Bancorp, Inc. Duluth, GA NOA Bank Duluth, GA 09-02-2015 ACQUISITIONS Southern States Bancshares, Inc. Anniston, AL Columbus Community Bank Columbus, GA 09-14-2015 Atlantic Capital Bancshares, Inc. Atlanta, GA First Security Group, Inc. Chattanooga, TN 09-14-2015 September 2015 PREVIOUS NAME Alma Exchange Bank & Trust Alma NOTICE OF CHANGE IN NAME NEW NAME Pineland Bank Page 5 APPROVAL Pending EFFECTIVE HOLIDAY CLOSING This is a reminder that the Department will be closed on Monday, October 12th for Columbus Day. Page 6 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 September 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. 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.