Financial institutions today, Jan. 2016

Inside this issue:
Action on 2 Applications for
the Month

News and topics of interest to financial institutions regulated by the Department of Banking and Finance January 2016
Georgia Residential Mortgage Act Fee ("GRMA") Reporting and Payment Process

GRMA Per Loan Fees--The $10.00 per loan fees required by O.C.G.A. 7-1-1011(b)(2) and Department Rule 80-5-1-.04 are due no later than March 1, 2016, for mortgage loans closed during the period July 1, 2015 through December 31, 2015.
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. Refer to the Department's Frequently Asked Questions document (http://dbf.georgia.gov/documents/grma-10-loan-fees-frequently-asked-questions) for further information about GRMA $10.00 per loan fees reporting and remittance requirements.
Collecting agents submitting GRMA fees after the due date referenced above or for prior semiannual periods must complete and mail a paper form, along with their payment, to the Department. The fillable PDF form can be downloaded from https://bkgfin.dbf.state.ga.us/MortgageDocs/GRMAFeeStatement.pdf.

DBF Outreach AND UPCOMING SPEAKING ENGAGEMENTS
2016 CBA Day at the Capitol--Commissioner Kevin Hagler, Deputy Commissioner for Supervision Lori Godfrey, and Deputy Commissioner for Legal Bo Fears will be attending 2016 CBA Day at the Capitol in Atlanta, Georgia, on February 17, 2016. For more information about this event, visit http://web.cbaofga.com/events/2016-CBA-Day-at-the-Capitol-21716-4220/details.
Bank Directors' College at Auburn University--Commissioner Hagler will be participating in a Regulator Panel Discussion at the Bank Directors' College at Auburn University in Auburn, Alabama on February 18, 2016. For more information about this event, visit http://bdc.harbert.auburn.edu
2016 Banking Outlook Conference--Commissioner Kevin Hagler will be participating in a Regulator Panel Discussion at the 2016 Banking Outlook Conference at the Federal Reserve Bank of Atlanta. For more information about this event, visit https://www.frbatlanta.org/news/conferences/2016/0225-banking-outlook.aspx

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January 2016

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 January 2016.

FINANCIAL INSTITUTION
Farmers State Bank Lumpkin, GA 31815

DISSOLUTION

APPROVAL DATE 07-10-2015

EFFECTIVE DATE 01-06-2016

FINANCIAL INSTITUTION Synovus Bank Columbus
Hallco Community Credit Union Gainesville

BRANCH OFFICES
BRANCH OFFICE Jacksonville Main Branch Office 7768 Ozark Drive, Suite 100 Jacksonville, FL 32256 Duval County
Flowery Branch Branch Office 4865 Hog Mountain Road Flowery Branch, GA 30542 Hall County

APPROVAL BEGIN BUSINESS

DATE

DATE

01-28-2016

Withdrawn 01-06-2016

SunMark Community Bank Hawkinsville
Durden Banking Company, Incorporated Twin City

Perry Branch Office 1005 Northside Drive Perry, GA 31069 Houston County
Millen Branch Office 815 Highway 25 North Millen, GA 30442 Jenkins County

01-14-2016 01-12-2016

PREVIOUS NAME Alma Exchange Bank & Trust Alma
PlantersFIRST Cordele
First Bank of Dalton Dalton
Citizens Bank of Washington County Sandersville

CHANGES IN NAME NEW NAME Pineland Bank
Planters First Bank First Bank
Citizens Bank of the South

APPROVAL EFFECTIVE

DATE

DATE

Pending

12-16-2015 01-01-2016 01-08-2016 01-29-2016

11-12-2015 01-01-2016

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January 2016

FINANCIAL INSTITUTION (SURVIVOR) DOCO Credit Union Albany, GA
Alma Exchange Bank & Trust Alma, GA
Alma Exchange Bank & Trust Alma, GA
Alma Exchange Bank & Trust Alma, GA
Atlanta Postal Credit Union Atlanta, GA
Bank of the Ozarks Little Rock, AR
Ameris Bank Moultrie, GA
Fidelity Bank Norcross, GA
Renasant Bank Tupelo, MS
CharterBank West Point, GA

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION Multiple Employee Group Federal Credit Union Thomasville, GA
Peoples State Bank & Trust Baxley, GA
Citizens State Bank Kingsland, GA
Pineland State Bank Metter, GA
Macon Water Works Credit Union Macon, GA
Community & Southern Bank Atlanta, GA
The Jacksonville Bank Jacksonville, FL
American Enterprise Bank of Florida Jacksonville, FL
KeyWorth Bank Johns Creek, GA
Community Bank of the South Smyrna, GA

APPROVAL DATE
11-24-2015

EFFECTIVE DATE
01-01-2016

Pending Pending Pending Pending Pending 01-20-2016 Pending
Pending Pending

BANK HOLDING COMPANY
Southeast, LLC Atlanta, GA
Bank of the Ozarks, Inc. Little Rock, AR
Ameris Bancorp Moultrie, GA
Vinings Bancshares, Inc. Smyrna, GA
Charter Financial Corporation West Point, GA

BANK HOLDING COMPANIES TO ACQUIRE
Barwick Banking Company Barwick, GA
Community & Southern Holdings, Inc. Atlanta, GA
Jacksonville Bancorp, Inc. Jacksonville, FL
Vinings Bank Smyrna, GA
CBS Financial Corporation Smyrna, GA

APPROVAL DATE Pending Pending
01-20-2016 01-28-2016
Pending

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January 2016

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.

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.

Department of Banking and Finance 2990 Brandywine Road Suite 200
Atlanta, Georgia 30341-5565
Phone: (770) 986-1633 Fax: (770) 986-1654 or 1655
http://dbf.georgia.gov/ Email: dbfpress@dbf.state.ga.us