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THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION
www.floridabankers.com
MAY 2010
Florida Bankers Association: The voice of Florida banking since 1888.
David Bridgeman and Pinnacle Bank:
Standing Strong
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THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION
Editorial & Executive Offices
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Tallahassee, FL 32303
850-224-2265
www.floridabankers.com
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National Sales Director
Scott Englert,
Senior Account Executive
REPRINTS: For reprints of Florida Banking
articles, contact Tara Bowman at
800-336-1120 or tbowman@banknews.com.
Statements of fact and opinion are made on
the responsibility of the authors alone and
do not imply an opinion or endorsement on
the part of the officers or members of FBA.
Florida Banking is published 11 times
annually with a combined issue in
December/January. Subscription price is
$50 per year for nonmembers. Postmaster,
send address changes to Florida Bankers
Association, P.O. Box 1360, Tallahassee, FL
32302. Copyright 2010
Alex Sanchez
President and Chief Executive Officer
Florida Bankers Association
Pamela Ricco
Executive Vice President and
Chief Operating Officer
Florida Bankers Association
pricco@floridabankers.com
Renee Thompson
Editor and Director of Communications
Florida Bankers Association
rthompson@floridabankers.com
2009-10 officers and staff of the
Florida Bankers Association
Bill Klich
Chairman
R. Van Bogan
Chairman-elect
Miller Couse
Immediate Past Chairman
Peter Brokaw
Senior Vice President, Education
Anthony DiMarco
Executive Vice President and Director,
Government Affairs
Scott Jenkins
Senior Vice President and Deputy Director,
Government Affairs
Lesley Jordan
Senior Vice President
and Chief Financial Officer
VOLUME 25
NUMBER 4
MAY 2010
On the cover
Bridgeman and Pinnacle Bank:
8 David
Standing Strong
Features
Annual Meeting in
14 2010’s
Naples, Fla.
18
BancServ Endorsed Partner:
Harland Financial Solutions
19 Florida BankPac Silent Auction
22 Florida BankPac Update
29 Florida Bankers Service Project
Columns
4 Chairman’s Message
6 Straight Talk From the President’s Desk
Departments
12 Trust Division Update
Bankers Educational Foundation
20 Florida
Fundraiser: Take Alex to Work
21 FBA Education Events
In every issue
24 Kudos
26 Personal Transactions
28 Web Based Seminars
29 Classifieds
30 Upcoming FBA Events
30 Advertising Directory
8
Feature on
David Bridgeman.
and
4, 6 President
CEO Alex
Sanchez and
Chairman Bill
Klich.
On the cover: David Bridgeman at Ponce de Leon Springs State Park near a Live Oak tree
that’s hundreds of years old. Photograph courtesy of Mark Gall, Mark Gall Photography, Orlando.
C
CHAIRMAN’S MESSAGE
Bill Klich
FBA Chairman
Service Project Will
Make a Statement
T
his is the first year Florida’s bankers will work
collectively on a community service project.
We each build communities every day — with
loans to small businesses, by savings or money
management education, and through numerous
community service activities.
FBA member banks regularly give back to the
people they serve, with financial support, as well as
encouraging employees to be involved. As a result,
bankers throughout our great state are decisionmakers and leaders, serving on boards, mentoring
in schools, raising money
and awareness for important
causes and much, much
more. I would confidently
say most communities in
Florida are better because of
their banks.
Now, it’s time to put our
collective experience to
work. On Monday, June 7,
as part of our 2010 Annual
Meeting, the FBA will join Habitat for Humanity of
Collier County by participating in a Habitat Build
to provide an affordable home for someone in need.
All meeting attendees and their families are invited
to participate. The service project is a way to make
a lasting representation of this year’s meeting by
leaving a permanent mark on the city of Naples. It
shows that bankers were there, and we did something
tangible and positive. The house we work on will
serve as a lasting legacy to the FBA.
Banks are in the business of making dreams
come true. Each day, banks make the American
dream of home ownership a reality. This service
project is an opportunity for bankers to make home
ownership possible for low-income individuals
4 — WWW.FLORIDABANKERS.COM
by assisting in building the structure, using nails,
paint brushes and good, old elbow grease. No
experience or skill is required. As many of you
know, professionals will be on-site to train and
supervise our activities.
Like many of you, I have participated in several
projects similar to Habitat Build, and the satisfaction
of having participated is very fulfilling. In addition
to the “stories and tales,” as well as the camaraderie
that will “evolve” over time, the common bond of
our Florida bankers will only get stronger.
It is my hope that this
Florida Bankers Service
Project will be so successful it
will become an annual event
— one everyone involved will
look forward to. Together,
we can help Habitat for
Humanity move a little closer
to fulfilling its vision of a
world where everyone has a
decent place to live.
I invite you to participate this year and encourage
you to bring family members and others from your
bank. Let’s work; let’s have a good time; and let’s
build together!
Thank you for your consideration to participate. I
look forward to seeing you in Naples.
For more information and
additional details, see p. 29 of this
issue or e-mail serviceproject@
floridabankers.com.
FLORIDA BANKING X MAY 2010
CroBridging the Gap
between Distress and Profitability
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STRAIGHT TALK FROM THE PRESIDENT’S DESK
Alejandro
“Alex”Sanchez
FBA President and
Chief Executive Officer
Please Answer
the Question
M
ore than 60 members of the Florida Bankers
Association were in Washington, D.C., the
first week of May for the 54th Annual
Washington Trip. We met with regulators and key
members of Congress, sharing a clear message:
Regulate Wall Street and the Shadow Banking
industry, not the traditional FDIC-insured banks.
A year and a half after the country came perilously
close to economic collapse, average Americans
are sitting up and taking notice of the debate
in Washington over financial reform. No one
wants another financial crisis, and one thing that
consumers, the White House, Congress, regulators
and bankers of all stripes agree on is that financial
reform is needed.
At the time of our visit, there was also broad
agreement on the primary issues that reform efforts
must focus on, including ending the concept that
any one institution is too big to fail and closing
regulatory gaps that allowed securities firms
and other non-banks to create huge problems for
the economy. The legislation that was pending
in Congress took some positive steps toward
addressing these matters, but it also stopped short
in several areas and went overboard in others.
Traditional banks didn’t bring about the financial
crisis. Their mission is, as it has always been, to
serve their local communities and make credit
available to consumers and small businesses. No
legislation should contain provisions that would
hinder their ability to do this effectively and to
provide the credit local economies so badly need
to get back on track.
Consider, for example, the proposal to create a new
Consumer Financial Protection Bureau. It sounds
great in theory. In practice, though, creating another
new bureaucracy will produce more problems
than it will solve by putting the government in the
business of deciding what products are right for
bank customers. How big will this new agency be?
How expansive will its powers be in the year 2026?
How will conflicts with the primary bank regulators
6 — WWW.FLORIDABANKERS.COM
be handled? No one knows the answers to these
questions. This kind of invasive oversight could
undermine our banking industry. How can banks
adhere to their missions if they can’t tailor products
to meet the specific needs of customers?
There is also the concern about uneven
enforcement of the rules. The new consumer rules
would apply to both banks and non-banks, but
enforcement against non-banks, many of which
contributed greatly to the economic crisis, would
be weak or nonexistent in many cases. Unlike
the banking industry, a strong infrastructure
for examination and enforcement of rules does
not exist for non-banks. Much of that regulatory
enforcement has been punted to the states. And we
all know that most states DO NOT have the funds
to hire examiners for the non-banks. How does
that protect consumers from mortgage brokers or
other financial entities outside of the traditional
banking industry that made a disproportionate
share of toxic loans? President Obama, himself,
said 94 percent of the high-cost toxic mortgages
came from the “shadow banking industry” and
not the FDIC banks.
While in Washington, we shared that bankers do
support financial reform, but reform needs to be done
well. Why are the rating agencies not regulated at
all? Millions of Americans and thousands of small
business owners relied on the rating agencies for
their investments. Triple A turned out to be triple
D, and billions of dollars were lost by individuals in
our country. Yet we are not regulating these rating
agencies? Why?
Why hasn’t one head rolled yet at the SEC because
of the Madoff and Stanford Ponzi scandals that
cost consumers billions of dollars? Where was the
SEC? Asleep at the wheel, that’s where! Why is
Congress exempting the rating agencies from this
bill and imposing 27 new rules and regulations on
community banks? Why? No one has answered these
questions yet in Washington, not President Obama,
not Senator Dodd, no one!
FLORIDA BANKING X MAY 2010
Experience is just the start.
It takes strength to get through
times like these.
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banking built for you.
David Bridgeman
and Pinnacle Bank:
Standing Strong
Bridgeman standing in
front of a historic sugar
mill at Ponce de Leon
Springs State Park.
8 — WWW.FLORIDABANKERS.COM
FLORIDA BANKING X MAY 2010
P
innacle Bank is located in Orange City,
a bedroom community of about 16,000
located east of Orlando. The bank’s
president and CEO, David Bridgeman, is a selfproclaimed Kentucky farm boy who was born
and raised in the bluegrass state. He moved
to Florida in 1988 and has spent the past 22
years working in Florida’s banking industry.
Bridgeman first entered banking as a teller,
while still in Kentucky, and worked his way up
to the president and CEO position he now holds
by serving in a variety of roles along the way.
“There isn’t a job at a bank that I haven’t done, from
changing light bulbs and plunging toilets to making
million dollar loans,” said Bridgeman, who still helps
to close the bank weekly and works Saturdays on a
rotating schedule. He has been president of Pinnacle
since it opened for business in 1999 and became the
CEO in 2003.
Bridgeman is admittedly old school and traditional.
He and other bank employees offer old-fashioned
customer service, and he always ensures his door
is open for customers and employees alike. Family
is very important to Bridgeman. He loves spending
time with his wife, his children — two sons and a
daughter — and, especially, his three grandchildren.
Together they enjoy spending time outdoors, hunting
and riding four-wheelers.
“Family time is my favorite time,” Bridgeman said.
“If President Obama and Congress are serious
about wanting to encourage lending to individuals
and businesses to keep our economy moving,
they need to ease restrictions on our banks,”
Bridgeman said.
When asked about the comparison between his
son and himself standing their ground and speaking
up on behalf of their colleagues, Bridgeman humbly
responded, “I guess you could say so.”
Opportunity to Share
In addition to being quoted in numerous
publications, including the USA Today newspaper,
Bridgeman has also shared his opinions and even had
the opportunity to give Congressional testimony. In
all instances, he has plainly and clearly expressed the
difficulties banks are facing in the current economic
and regulatory environments.
“It’s especially tough when banks are receiving
mixed messages. On the one hand, we are being
asked to help spur the economy and create jobs,
and, on the other hand, they’re saying, ‘You need
to raise your ratios and loan-loss reserves.’”
Bridgeman was recommended by Congressman
John Mica (R-Winter Park) — and invited by
both Congressman Barney Frank, Chairman
and Congressman Spencer Bachus, the ranking
member of the House Committee on Financial
Services — to testify before a joint meeting of
Family Similarities
One of Bridgeman’s sons served 13 months in
Iraq with a highly decorated Army unit that was so
successful Iraqi insurgents placed a $25,000 bounty
for beheading anyone in the unit. The unit survived
16 improvised explosive devices (or IEDs) and never
had any time in the green zone (an area with less
combat and less stress). At one point, Bridgeman’s
frustrated son went to his commanders to ask why
they hadn’t had any time in the green zone when
so many others had. The commanders’ response:
The unit was the only one they knew could
survive without casualties in those most dangerous
situations. Content with the response, Bridgeman’s
son went back to work.
Just as his son respectfully confronted the powers
that be, Bridgeman himself has been doing the
same thing. Recently, he has been a vocal opponent
to heightened regulation on banks that causes
reductions in lending, as well as unnecessary stress
in an already challenging economic climate.
FLORIDA BANKING X MAY 2010
WWW.FLORIDABANKERS.COM
—9
Bridgeman in front of Pinnacle Bank’s branch in Orange City, which is open from 7 a.m. to 7 p.m. weekdays to
accommodate commuters.
the House Financial Services and Small Business
Committees in Washington, D.C. He was asked
to speak about problems with lending. Other
witnesses at the hearing included federal regulators,
banking representatives, small businesses and other
authorities in associated fields.
After being vetted by both the Republican and
Democratic parties, Bridgeman went independently
and without representation of any trade group to
Washington, D.C. He described the experience as
both challenging and surreal.
“I knew I was representing a lot of bankers who
had the same sentiments and feelings, so I felt a great
sense of responsibility.”
Challenging Environments
During his remarks, Bridgeman shared his
concerns that federal intervention and regulatory
actions have hindered banks and negatively affected
lending. He noted that getting banks back in the
lending business is essential for economic recovery
and job expansion.
“In such a precarious point in our economic cycle,
cutting lending to small businesses and farms could
exacerbate existing pressures on the economy,
leading to an increased probability of a double-dip
recession,” he said.
Bridgeman is unabashedly honest about his
experiences, which are surely similar to the
experiences of many other institutions throughout
the Southeast.
“After the toughest examination in my 28 years in
banking, Pinnacle Bank, which is well-capitalized
and well-reserved by all measures provided in the
regulations, is about to find itself in the position of
having to reduce lending,” he said. “If we are able
10 — WWW.FLORIDABANKERS.COM
to get our economy growing, we need to support
community bank lending to small business.”
Bridgeman closed this testimony with a wake-up
call that if things continue as they have been, there
will be debilitative effects on lending, the economy,
communities and job creation. He encouraged
Congress to align with federal banking regulatory
agencies so that their goals are the same, noting that
at the time of his remarks they were not.
“Our bank is well-capitalized and has a good
reserve, but we’re still under increased pressure.
I’m not the only bank feeling this pressure, and I felt
someone had to speak out,” Bridgeman said. “I’m just
honored I had the opportunity. All of the response
has been unexpected. I know it’s not just about me,
but I am the one who was able to speak about what
all of us are dealing with.”
Pinnacle Bank’s lending focus has always been
toward owner-occupied commercial real estate
and C&I loans, with the loan portfolio mainly
consisting of loans to local businesses; it is an
active SBA lender. The bank is a small community
bank with two branches and a focus on customer
service. Pinnacle has tailored its operations to meet
the needs of customers, including the large number
of commuters who travel daily from Orange City
to cities such as Daytona, Deltona, Longwood and
Orlando. The bank has extended hours daily to
accommodate customers who leave early and get
home late, opening at 7 a.m. and closing at 7 p.m.
on weekdays; there are also weekend hours.
“This is the biggest bank I’ve been with in
my entire career,” said Bridgeman, of the $220
million Pinnacle Bank. “I have always been a
community banker.”
FLORIDA BANKING X MAY 2010
TRUST DIVISION UPDATE
Angela
Mastrofrancesco
Chairman, FBA Trust,
Asset Management
& Private Banking
Division
Florida Trust
Schools Offer
Legacy of Learning
I
n 1959, a group of dedicated trust bankers
saw a need for continuing education in the
trust banking industry. They combined their
expertise, knowledge and desire with the marketing
and administrative strengths of the Florida Bankers
Association, and formed a training program for
wealth management professionals.
Throughout the past 51 years, the governing
board of directors has guided the school through
many changes to keep it current and help anticipate
the needs of its students. The 1,963 Florida wealth
managers who have graduated from the Florida Trust
School and the Florida Graduate Trust School have
returned to their desks, better prepared to contribute
to the managerial duties of their institutions.
The basic one-year Florida Trust School (FTS)
introduces the novice to the world of wealth
management. The target audience includes private
bankers, investment specialists, senior trust
administrative assistants and compliance personnel.
The establishment, structure, purpose and general
activities of a typical wealth management department
are included, guiding students to a well-rounded
understanding of the industry.
The Florida Graduate Trust School (FGTS)
encompasses two years of study and caters to the
advanced wealth manager by offering graduatelevel courses. This advanced, two-year school
covers administration of estates and trusts, and
offers special topics such as estate planning and
alternative investments. Students completing
both years of the advanced school will receive
an excellent education, equipping them to be a
contributing member of the wealth and estateplanning team within their organizations.
12 — WWW.FLORIDABANKERS.COM
Advanced continuing education for wealth
management professionals holding the designation
of Certified Trust and Financial Advisor (CTFA)
can be obtained by participating in the schools. A
special program offers training to CTFA designees
desiring to brush up on any topic offered in the
normal curriculum of the FGTS. This program
allows registrants to attend classes from one day to
a whole week at either the graduate level I or level
II. No exam is given and specified CTFA credit will
be issued for each class attended. This has been a
helpful program that many wealth mangers have
used to their advantage.
Neither the FTS nor the FGTS could operate
without the dedicated industry professionals that
make up the governing board: George W. Lange, Jr.,
senior vice president Southwest Florida area trust
executive, Regions Morgan Keegan Trust, Coral
Gables; Steven L. Tinkler, senior vice president and
fiduciary executive, SunTrust Bank Florida, Fort
Lauderdale; Debra M. McCloskey, vice president and
trust officer, Comerica Bank Wealth Management,
Palm Beach Gardens; Joseph M. Dionisio, senior
vice president, Wells Fargo, the Private Bank, New
York; and Donald A. Kress, senior vice president,
Northern Trust N.A., Miami. The FTS & FGTS has
benefited greatly from these five bankers’ leadership
throughout the years
The next session of the Florida Trust School and
Florida Graduate Trust School is scheduled for July
11-15, 2010, at the Embassy Suites on the University
of South Florida campus in Tampa. For more detailed
information about these schools, please visit the
FBA website at http://www.floridabankers.com/
education/flgtrsch.cfm.
FLORIDA BANKING X MAY 2010
United We Stand
L E O N A R D W O L F E , President/CEO/Chairman
United Bank and Trust — Marysville, Kansas
“I’ve worked with the Capital
Markets Group since we opened
At Country Club Bank, two distinct groups deliver proven investment expertise
in fixed income portfolio management. Our Capital Markets Group
serves banks, corporations, insurance companies and foundations across
our doors. We’ve developed a
America with a laser focus on investment-grade instruments. And our Asset
relationship as fellow bankers
Management Group is recognized throughout the industry for its integrity
and innovation including their Asset/Liability reporting and consulting.
that goes far beyond typical
customer/vendor ties.”
Together, they lead the pack in providing clients like Leonard Wolfe with the
products, professional service and personal attention they deserve.
800 288 5489
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Where roots run deep, relationships grow strong.
W
e hope you can join us in Naples for the FBA’s 122nd Annual Meeting. The FBA has put
together an educational, informational and motivational program that will re-energize you
during these times in the banking industry.
LOCATION
The Ritz-Carlton
www.ritzcarlton.com/naples
Reservations: 239-598-3300
MONDAY, JUNE 7TH
• 7:30 a.m.-12 p.m. Florida
Bankers Service Project
(Habitat for Humanity Build)
• 3:30-4:45 p.m. Session II
Workshops (3)
• 5 p.m. Dinner on your own
• 5-7 p.m. Welcome Reception
in Exhibit Hall
• 8-10:30 p.m. IBB Silent
Auction benefitting FBA State
BankPac
SCHEDULE-AT-A-GLANCE
• 7 p.m. Past President/
Chairman’s Dinner
WEDNESDAY, JUNE 9TH
SUNDAY, JUNE 6TH
TUESDAY, JUNE 8TH
• 11 a.m.-1 p.m. FBA
Executive Committee
Meeting & Lunch
• 7:30 a.m.-8:30 a.m.
Continental Breakfast in
Exhibit Hall
• 1 p.m. Joint FBA
Board Meeting
• 8:30 a.m.-12:30 p.m. General
Session featuring keynote
speaker Erik Wahl
• 4 p.m. BancServ
Board Meeting
• 4 p.m. BankPac
Board Meeting
• 6:45 p.m. Joint
Board Dinner
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• 12:30-1:30p.m. Lunch in
Exhibit Hall
• 1:30-2:45 p.m. Session I
Workshops (3)
• 2:45-3:30 p.m. Ice Cream
Social and prize drawings in
Exhibit Hall
• 7:45 a.m.-9 a.m.
Sunrise Breakfast with
Representatives from ABA
& ICBA
• 9 a.m.-12 p.m. Business
Session featuring Keynote
speaker Pat Williams and
guest speaker Sean M.
Snaith, Ph.D.
• 12-12:45 p.m. Lunch
• 12:45-2 p.m. Session III
Workshops (3)
• 2-2:15 p.m. Break
• 2:15-3:30 p.m. Session IV
Workshops (3)
FLORIDA
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• 6-7 p.m. Chairman’s
Reception
• 7-10:30 p.m. Closing
Dinner & Entertainment
KEYNOTE SPEAKERS
ERIC WAHL: THE ART
OF VISION
As the landscape for business
continues to change, a clear vision
is the key to successfully navigating
tomorrow’s uncharted waters.
The Art of Vision is a program
specifically designed to help
companies utilize unconventional
wisdom and build a vision for
their future. No matter what kind
of organization – from small
companies to large corporations
– employees at all levels can better
embrace the future by becoming
more innovative.
PAT WILLIAMS: THE SEVEN
KEYS TO LEADERSHIP IN THE
21ST CENTURY
Pat Williams is the senior vice
president of the NBA’s Orlando
Magic. As one of America’s
top motivational, inspirational
and humorous speakers, he
has addressed thousands of
executives in organizations
ranging from Fortune 500
companies and national
FLORIDA BANKING X MAY 2010
associations to universities and
nonprofits. Pat Williams is also
the author of more than 50 books.
WORKSHOP SESSIONS
TUESDAY WORKSHOPS
SESSION I: 1:30-2:45 p.m.
• Mobile Banking & Social
Media: Why it Matters &
What To Do Now - Lee
Wetherington, ProfitStars
• Executive Compensation
Updates: Changes You
Need To Know - Glenn
Blackwood, Clark Consulting;
Todd Leone, Amalfi
Consulting; Jack Greely, Smith,
MacKinnon, P.A.
• Get Ready Guide: A
Financial Prep List For
Bank Exams- Chris Bledsoe,
Bankers Dashboard
SESSION II: 3:30-4:45 p.m.
• Commercial Loan Defaults:
Avoiding The Pitfalls &
Improving The Outcomes Malcolm Pitchford, Shumaker,
Loop & Kendrick
• Challenges for Florida
Community Banks In The
New Decade - Ben Bishop,
Allen Rogers, Robert Dunlap
and Ronald Goff, Allen C.
Ewing & Co.
• Restructuring Troubled
Debt/Hot Accounting Topics
Impacting Community
Banks - Jerry Felicelli,
LarsonAllen LLP
WEDNESDAY WORKSHOPS
SESSION III: 12:45-2 p.m.
• Bank Regulatory
Enforcement Actions: Avoid
or Respond - George Igler,
Igler & Dougherty P.A.
• Investments & Liquidity
- Sharon Lee Stark, Sterne,
Agee & Leach, Inc.
• An Update on the Economic
& Banking Health of
Florida: It’s Never All Bad
but Rather a Matter of
Strategies! - Bertram Beckett
& Khanh Vuong, A.M. Best
Company
SESSION IV: 2:15-3:30 p.m.
The Road To Recovery
- Patrick J. Long, Keefe,
Bruyette & Woods
ALLL: Impairment,
Documentation, Disclosures
& Migration Analysis - Ken
Harris, Crowe Horwath
The Life-Work Balance:
Managing Stress in Work &
Life - TBA
WWW.FLORIDABANKERS.COM
— 15
SPONSORS
We would like to extend
a special thank you to our
generous sponsors!
PLATINUM LEVEL
SPONSOR ($30,000+)
Independent
Bankers Bank
SILVER LEVEL
SPONSOR ($10,000+)
Clark Consulting
BRONZE LEVEL
SPONSORS ($5,000+)
Crowe Horwath, LLP
Federal Home Loan Bank
of Atlanta
Sterne, Agee and
Leach, Inc.
GENERAL SPONSORS
BancServ, Inc.
BBVA Compass
Dixon Hughes PLLC
Duane Morris LLP
EDGE Services
16 — WWW.FLORIDABANKERS.COM
Florida Trend Magazine
FRAUD-NET
Gunster, Yoakley & Stewart, P.A.
Haskell, Slaughter, Young &
Rediker, LLC
Igler & Dougherty P.A.
LarsonAllen LLP
Mauldin & Jenkins, CPA
Overby-Seawell Co./Financial
Insurance Brokers
Pendum LLC
PULSE
RSM McGladrey, Inc.
The Kafafian Group, Inc.
Total Bank Solutions
EXHIBITORS
Please be sure to visit the
tradeshow and check out the
exciting products and services
our exhibitors have to offer.
Exhibitors listed in bold are
BancServ Endorsed Partners.
A.M. Best Company
AaSys Group, Inc.
ABA Sponsored Insurance
Program
Absolute Financial
Services, Inc.
Atris Technology, Inc.
Bank Intelligence Solutions
from Fiserv
Banker's Dashboard
Brintech
Clark Consulting
Comptroller of the Currency
Computer Services, Inc.
Consultants & Builders, Inc.
Consumer Asset
Management, Inc.
DataComm Networks
Incorporated
Deluxe Corporation
Direct Connect - Aliant
Environmental Data
Resources, Inc.
Federal Reserve Bank
of Atlanta
FIS
Florida Concepts, Inc.
GMAC Bank
Harland Clarke
Harland Financial Solutions
ICBA Securities Corporation
ICS Compliance
IDC Deposits (Institutional
Deposits Corp)
IMPACT Financial Services
Independent Community
Bankers of America
Jack Henry & Associates, Inc.
Marquis Software Solutions
Mauldin & Jenkins, CPA
MDW Insurance Group
Mortgagebot LLC
Newman + Cohen
Financial Management
Norman Technologies
Ocasa Logistics Solutions
Office Depot/BancSource
Office of Thrift Supervision
Open Solutions Inc.
FLORIDA BANKING X MAY 2010
Overby-Seawell Company
Financial Insurance Brokers
Pentegra Retirement Services
Perimeter eSecurity
Presidium Solutions
Promontory
Promotions Made Easy
PULSE
RDSI Banking Systems
Real Property Group
Reynolds Smith & Hills, Inc.
RSM McGladrey, Inc.
Saltmarsh, Cleaveland & Gund
SelectSource
Senior Housing Crime
Prevention Foundation
Shazam
Stonemont Financial
Group, LLC
Sunera LLC
Technology Management
Resources, Inc.
The Center for Special Needs
Trust Administration, Inc.
Total Bank Solutions
Travelers
TriNet
United Credit Recovery
Washington Bancard
WolfPAC Integrated
Risk Management
Zurich North America
Financial Enterprises
For more information or to
register online, please visit
www.floridabankers.com.
FLORIDA BANKING X MAY 2010
VISIT THE EXHIBIT HALL…
And you might walk away with CASH and prizes! There are
three ways to win:
#1 DINE AROUND GAME: held during the Welcome Reception
on Monday night, you have a chance to win $1,000 in cash!
Drawing will be held at breakfast on Tuesday morning; you must
be present to win.
#2 RANDOM DRAWING: The FBA will randomly pick a booth and
draw a business card out their fish bowl/basket on Tuesday
afternoon at the Ice Cream Social – so be sure to visit all of
the booths and leave your card for a chance to win $500 in our
Random Drawing!
#3 EXHIBITOR DOOR PRIZES: Drop your business card at
participating booths for your chance to win the great prizes
they will be providing! Exhibitor door prizes will be drawn at
Tuesday’s Ice Cream Social.
WWW.FLORIDABANKERS.COM
— 17
BANCSERV ENDORSED PARTNERS
The Evolution of Mobile Banking
By Jason Marshall
A
lthough mobile banking has been around for
more than a decade, it has grown at warp
speed during the past two years. As mobile
phone technology transformed from slow, voicecentric models into high-speed data devices that
now deliver the goods at broadband-like speeds,
the need for mobile everything has increased.
Consumers are using their phones for navigation,
entertainment, connecting with office e-mail and
calculating the tip at their local diner. Why not bank
by cell, as well?
So, to get in the game, should banks just get a
mobile banking app and get on with it? Not so
fast. The right mobile strategy takes some finesse,
planning and a clear understanding of the three
main mobile-banking options that could make up
the strategy: Web-based, text and apps.
Web-based mobile banking consists of a mobile
website, identified with an “m.” instead of a “www.”
before its name. Basically, this site lists branch and
ATM locations, hours of operations and rates, all in
a format readable on most phone displays. It’s an
informational tool, not a conduit for transactions
— and a relatively inexpensive way to establish a
mobile presence.
Text banking enables customers to check balances,
for example, by texting BAL to a specific number and
getting a text response. Although this option is great
for customer convenience, it’s not as inexpensive as it
sounds. Both customer and bank pay a message fee
per text to the carrier, which has the potential to bring
a budgetary surprise at the end of the month if the
bank isn’t prepared. It is still a good way, however,
to enter the mobile arena without a great deal of risk.
Mobile banking apps are the most sophisticated
way to get into the mobile game, but they also carry
the largest expense — both in deployment and
support. First of all, the app has to be certified and
tested with all types of mobile devices. And if the
application doesn’t work, or if the download process
18 — WWW.FLORIDABANKERS.COM
wipes out the customer’s contact list or calendar,
the bank is going to get the call. Institutions have to
make sure their staffs or contact centers can provide
this type of support. On the plus side, apps bring the
most extensive mobile banking options to its users.
So where does a bank begin? Although some
sources recommend jumping in with Web-based,
text and mobile apps at the onset, no single approach
works for every bank or every market.
Before entering the mobile banking arena, it’s
important to devise a clear mobile strategy. What
do you want to accomplish? What is your goal?
Maybe you want to attract new customers from a
local college who may want text options. Maybe you
want a greater presence in an area where you don’t
have as many branches. Don’t be afraid to ask your
customers what they want, as well. Conduct online
surveys through your Internet banking site. Invest in
focus groups with customers and prospects.
Identify how aggressively you want to enter the
market — and how much of your budget you’re
willing to devote to this initiative. Then choose the
appropriate tools for what you want to accomplish.
Mobile banking is different from other banking
tools because it is changing at light-speed.
That said, institutions can’t afford to wait until
things settle down to enter the mobile-banking
market. The key is doing it the smart way: Identify
the strategy and goals, choose the appropriate tools,
work with a respected provider that can provide
the security and integration you need, and then be
prepared to change as mobile banking continues
its evolution.
About the author: Jason Marshall is director of product
development for Harland Financial Solutions. To learn
more about Harland Financial Services, please contact
Steve Goodwin at 941- 355-3308 or steve.goodwin@
harlandfs.com. For more about FBA BancServ Endorsed
Partners, please contact Jovanna Gomez at 850-509-8020
or Jgomez@floridabankers.com.
FLORIDA BANKING X MAY 2010
Florida BankPac
Silent Auction
Sponsored by Independent Bankers Bank
The annual Silent Auction is a major fundraiser for Florida
BankPac and, this year, more than ever, your donations and
support are needed. The money raised is used to support
political candidates who understand and support the banking
industry and Florida’s business climate. In today’s political
environment, this is a critical part of the work of FBA’s
government relations team. All member banks benefit from
FBA’s lobbying efforts, and every donation contributes to the
success of Florida BankPac. Donations of all sorts are requested;
if you need donation ideas or have any other auction questions,
contact Phyllis Churchill at 800-275-4222, ext. 1331.
FLORIDA BANKING X MAY 2010
WWW.FLORIDABANKERS.COM
— 19
20 — WWW.FLORIDABANKERS.COM
FLORIDA BANKING X MAY 2010
Florida Bankers Association
Education Events
RESPA – Truth in Lending Review
and Update
June 16, 2010: Homewood Suites – Miami
June 17, 2010: Airport Marriott – Orlando
June 18, 2010: Hilton Garden Inn –
Tallahassee
Who Should Attend: This program is designed for loan
officers, loan processors, auditors, compliance officers
and others who must comply with the new rules.
Speaker: Jack Holzknecht, principal, Pegasus
Educational Services, LLC
For the past few years, massive changes to both
Regulation Z (Truth in Lending) and Regulation
X (Real Estate Settlement Procedures Act) have
been unfolding. This program reviews the changes
that have been completed, the changes presently
unfolding and the changes yet to come. This contentrich program provides essential information needed
by everyone involved with consumer lending.
The program includes information regarding truth
in lending, closed-end credit, open-end credit, final
Real Estate Settlement Procedures Act rules and
much more. Why attend? This program contains core
knowledge needed by all lenders to implement the
new and revised rules. Also, the 400-page manual
is a great desktop reference, the presenter is an
excellent speaker with 33 years of experience in these
topics and the program qualifies for 6.00 hours of
CRCM credit.
51st Annual Florida Trust School &
Florida Graduate Trust School
July 11-15, 2010: Embassy Suites USF –
Tampa
Who should attend: Trust and private wealth management
professionals, relationship managers, business
development managers, legal assistants, private
bankers, taxation administrators, financial planners, trust
administrators, wealth advisors, financial advisors.
The Florida Trust School introduces novices to
the world of trust banking. The targeted audience
includes customer service representatives and
administrative assistants. Personnel with an interest
in the trust industry may enroll, whether from the
commercial banking side or the trust side. The
curriculum introduces students to the trust industry
and reviews its history. The establishment, structure,
purpose and general activities of a typical trust
department are included.
FLORIDA BANKING X MAY 2010
The Florida Graduate Trust School encompasses
two years of study and caters to advanced trust
officers, offering graduate-level courses. This
advanced two-year school must be taken in sequence;
and once students are enrolled, it is presumed they
will continue through the second year, graduate
and receive a diploma. The curriculum covers
administration of estates and trusts, and offers
specialized topics on pertinent issues affecting the
trust industry. Students completing both years will
receive an excellent education and will be equipped
to contribute to the trust and estate planning teams
within their organizations.
For the past 13 years, an opportunity has been
offered to bankers with the Certified Trust Financial
Advisor (CTFA) designation to earn continuing
education credits needed in maintaining their CTFA
certification. This program allows registrants to
attend classes from one day to a whole week at either
the graduate level I or II of the FGTS. No exam is
given and specified CTFA credit will be received for
each class attended. A brochure with a registration
form will be available to download approximately
30 days before the school session.
Florida School Of Banking
Aug. 1-7, 2010: University of Florida,
Gainesville
The purpose of the Florida School of Banking
(FSB) is to provide bank personnel at the supervisory
and officer levels an opportunity to increase their
knowledge about both the banking industry and the
economy. In 2010, the school will celebrate its 41st
year of investing in banking education.
This school is conducted on a three-year cycle basis,
and the week-long annual sessions must be taken
in sequence. It is presumed that once students are
enrolled in the first year course, they will continue
through the second and third years to graduation.
Participants taking all three years of the cycle will
receive a good basic introduction to the banking
industry and, upon receiving a passing mark, will
be awarded a diploma at the graduation ceremony.
Additionally, graduates of the Florida School of
Banking are eligible to receive six credits toward
an accredited baccalaureate degree in banking from
the College of Technology & Management at St.
Petersburg College.
The Florida School of Banking remains relevant as
attested by its 2,557 graduates, and continues to offer
an excellent educational opportunity.
WWW.FLORIDABANKERS.COM
— 21
Florida Bankers Association
Florida BankPac Update
PAC contributions for 2010: $28,900
Contributions received between 1/1/2010 and 4/20/2010
Contact Cheryl Tucker (ctucker@floridabankers.com) when your institution achieves
100 percent board member BankPac contributions.
Banks with
100 percent
board member
contributions:
Farmers &
Merchants Bank
First Bank,
Clewiston
BankPac
contributions:
Bank of America
Bank of Belle Glade
Stephen M.
Prielozny
BankAtlantic, FSB
John Abdo
Keith Cobb
Steven Coldren
Bruno DiGiulian
Patricia Lefebvre
Alan B. Levan
Jarett S. Levan
David A.
Lieberman
Jay C. McClung
Ned Shandloff
Charlie C.
Winningham, II
BankFIRST
James T. Barnes, Jr.
CenterState Banks,
Inc.
John Corbett
Paul Gerrard
Griffin A. Greene
Timothy Irby
Lawrence
Maxwell
Rod M. Surrency
Charlotte State
Bank
Paul Lioon
Citizens First Bank
Steve Kurtz
Comerica Bank
Community Bank
& Trust of Florida
Dave Werner
Delta National
Bank & Trust Co.
John D. Landers
Enterprise Bank of
Florida
Timothy Terry
Farmers &
Merchants Bank
Joseph J. Audie, Jr.
Fred H. Beshears
F. Wilson
Carraway, III
John E. Hawkins
R. Michael Sims
First Bank,
Clewiston
Bryan Beer
Andrew Couse
Miller Couse
Sherri Denning
Earle Edwards
Karl Larsen
Tommy Perry
Morris Ridgdill
Carey Soud
22 — WWW.FLORIDABANKERS.COM
Deborah K.
Van Sickle
First Citrus Bank
John M. Barrett
First Home Bank
Larry C.
Cunningham
Jeffory H. Forbes
Paul Trice
Thomas D.
Wilson
First National Bank
of Pasco
R. Duane
Anderson
A.P. Gibbs
John E. Henson
Paul Midili
Marcelino Oliva
Ernest L. Peeples
Dan Richardson
Robert D. Sumner
Kerry Westbrook
Florida Bank of
Commerce
R. Van Bogan
Craig E. Polejes
Florida Traditions
Bank
James S. Stalnaker
Earl H. Young
Heartland National
Bank
Andrew S. Bible
Independent
Bankers Bank
James McKillop
International
Finance Bank
Nelson Alvarado
L. Gary Wright &
Associates, Inc.
Gary Wright
NatBank NA
Rosaline Cyr
Orange Bank
of Florida
Charlie Brinkley
Palm Beach
Community Bank
Calvin L. Cearley
Tom McKenna
Jonathan F.
Rapaport
Patriot Bank
Scott Grutchfield
United Southern
Bank
Gregory Nelson
FLORIDA BANKING X MAY 2010
Washington, D.C., Fly-in
March 2010
In attendance were FBA Chairman Bill Klich, Florida state
president for BB&T; Kim Davis, executive vice president and CFO
of Capital City Bank Group; Tom Pennekamp, city president,
SunTrust Bank; and Charlie Murphy, president and CEO, The Bank
of Commerce.
“SHAZAM is more
than a vendor to us.”
Lori A. Lundy | Senior Vice President
Prosperity Bank | Victoria, Texas
Our Difference is You
“They’re like family. They know us and we know them. We like the
personal service we get when we call SHAZAM. We rely on their
knowledge, skills, and efÛciencies to deliver the products our customers
expect, while keeping costs under control. It feels special to know that
someone is out there really working for us.”
For more information about SHAZAM, visit us at
www.shazam.net or call (800) 537-5427.
FLORIDA BANKING X MAY 2010
WWW.FLORIDABANKERS.COM
— 23
KUDOS
New Approach for Financial Education
I
n a grassroots effort to take financial education
directly to the communities it serves, Fifth
Third Bank offered free financial education
programs to South Florida residents. The
programs, including financial management skills
and credit counseling, might sound familiar, but
the classroom is what’s different. The programs
took place aboard the Fifth Third Bank eBus,
a 40-foot classroom on wheels. The e-Bus has
Internet-equipped computer terminals for
instructor-led or self-directed credit counseling
programs and access to comprehensive financial
services information.
The eBus visited several sites with free programs
designed to help people get one step closer to better
financial management. This was the fifth South
Florida tour for the eBus, which has helped thousands
of people learn more financial management skills.
Gateway Bank
Honored
G
Prime Meridian
Bank and Gilchrist
Elementary Raise
$2,383.92
T
ateway Bank of Central
Florida was recently
recognized as business
of the year by the Ocala/
Marion County Chamber
of Commerce at its annual
Stars Over Ocala event. The
award spans all industries
and is given annually to a
company that exemplifies
the mission of the chamber,
Gateway CEO Tom
which is to improve the
Ingram accepts the
business climate, economy award on behalf of the
and quality of life in Marion bank and shares some
County. Gateway was statements at the event.
selected, in part, because of
its business transactions resulting in more than $40
million in new loans last year alone.
Fifth Third Bank’s high-tech and professionally staffed eBus.
he Prime Meridian Bank partnered with Gilchrist
Elementary in “Treasure for Tree House,” a
fundraiser for Tree House of Tallahassee, Inc., an
emergency youth shelter focused on providing a
safe, homelike environment and counseling for
children between 2 and 12 years of age. The students
of Gilchrist raised $2,383.92 that will help Tree
House further achieve its mission.
A third-grade class collected the most “treasure”
— $165.44 — for the youth shelter and, in
recognition, received a $100 gift card for classroom
supplies and a class pizza party from Prime
Meridian Bank.
First Peoples Bank Provides Ongoing
Support for Girls’ Center
G
irls in Treasure Coast who are at risk of
delinquency, substance abuse, teen pregnancy
or other problems will have a better a chance
of overcoming their challenges and achieving
their potential, thanks to a multi-year financial
commitment by First Peoples Bank.
The bank recently made a $1,000 donation to PACE
Center for Girls, a community-based prevention,
24 — WWW.FLORIDABANKERS.COM
diversion and early-intervention program serving
girls aged 12-18. The donation was the latest
installment in an ongoing five-year series of
donations the bank is making to the organization,
which has been nationally recognized for helping
girls find success in school, with their families and
in their communities by integrating education,
counseling, training and advocacy.
FLORIDA BANKING X MAY 2010
KUDOS
Former FBA First Lady Christian Wood
Milstead Dies
C
hristian “Chris” Milstead died April 26 at age
74. She was married to FBA Executive Vice
President John Milstead for nearly 40 years, and was
an active participant in FBA activities during his
32-year tenure as the head of the association.
Born to Annie Cherry Wood and Silas Wood on
Sept. 20, 1935, in Blountstown, Fla., Chris grew up
in Jacksonville Beach; married in 1958; and moved
to Orlando in 1968 to raise a family. Chris and John
moved to Tallahassee in 1993 when the FBA office
relocated from Orlando, and they remained in the
capital city until John’s death in 1997. Chris then
moved to Ponce Inlet in 1998.
FLORIDA BANKING X MAY 2010
Chris is survived by two sons, George Milstead
of Orlando and Blake (and Rosie) Milstead of
Jacksonville; and three daughters, Crystal (and
Steve) Howard of Longwood, Dawn Milstead of
Jacksonville and Julie Sahr of Longwood. She also
had nine grandchildren: Trevor, Christopher, Taylor,
Austin, Trenton, Colin, Hannah, Kylie and Colby.
She is also survived by two brothers, Leonard (and
Dorothy) Wood of Atlantic Beach and Calvin (and
Mary Ann) Wood of Lancaster, Penn., as well as
many nieces and nephews.
Chris will be remembered fondly by many in the
FBA family.
WWW.FLORIDABANKERS.COM
— 25
PERSONAL TRANSACTIONS
Adrid
Wiley
Stikwell
Sweet
Minnick
Solem-Daley
Lopez
Napolitano
Norwood
McClung
Williams
Allan
Eustis
United Southern Bank
promoted Robert P. (Rob) Adrid
to executive vice president and
Joni Wiley to vice president.
Fort Myers
FineMark National Bank &
Trust hired Jessica Stilwell as
client services manager.
Lakewood Ranch
Northern Trust hired Dimitrios
C. Vafeas as vice president in its
lending division.
Naples
Bank of Florida Trust Company
promoted Cindy Sweet to senior
vice president.
Bank of Naples promoted
Catherine P. Mummert to
assistant vice president and credit
department manager.
26 — WWW.FLORIDABANKERS.COM
Fifth Third Bank (South Florida)
promoted Debbie Minnick to
vice president, private banking
team lead.
M&I Wealth Management,
Florida Region, has appointed Amy
L. Solem-Daley vice president,
personal trust administrator.
Palm Beach Gardens
Oakland Park
Prosperity Bank named three
local business owners to its board
of directors: Major Harding,
Jr., president and co-owner of
BGCO, Inc.; Albert Volk, M.D.,
orthopedic surgeon and managing
partner with the Orthopedic
Associates of St. Augustine; and
Allan Roberts, owner of both
Allan Roberts Realty, Inc., and
Allan Roberts Cattle.
American National Bank
hired: Laura Lopez as assistant
vice president, senior credit
analyst; Lynda Napolitano as
executive vice president, chief
lending officer; Rebecca (Becky)
Norwood as senior vice president;
Sandi McClung as assistant vice
president; and Rowena Williams
as senior personal banker.
Seacoast National Bank named
Ruth Derewyanko mortgage
banking officer.
St. Augustine
Stuart
Palm Beach
Seacoast National Bank
appointed Barbara Allan,
president and CEO of SRA
Research Group, Inc., to its Palm
Beach County Community Board.
Seacoast National Bank has
appointed Stuart News Publisher
and President Thomas E. Weber,
Jr., and Martin County Sheriff
Robert L. Crowder to its Martin
County Community Board.
FLORIDA BANKING X MAY 2010
PERSONAL TRANSACTIONS
Derewyanko
Harding
Pennewill
Dietz
Roberts
Volk
Booth
Weber
Gaviria
Crowder
Cummings
Tampa
Whitney National Bank named
Christopher (Chris) Pennewill,
Jr., senior vice president and
commercial banking manager for
its Manatee/Sarasota market area.
Fifth Third Bank named Michael
A. Dietz senior vice president and
head of residential mortgage.
Venice
Caldwell Trust Company
named John S. Booth III to its
board of directors.
Viera
Seacoast National Bank hired
Mary Gaviria mortgage banking
manager.
West Palm Beach
Grand Bank & Trust of
Florida hired Dave Cummings
as assistant vice president and
branch manager.
FLORIDA BANKING X MAY 2010
WWW.FLORIDABANKERS.COM
— 27
Card University - 2 Part Series
Major Growth Opportunity
May 19, 2010, 2:30-4:30 p.m. ET
May 26, 2010, 2:30-4:30 p.m. ET
Speaker: Larry DePalma, CTP,
Founder, TDG-Phenix
Lending to Self-Employed Individuals,
Small Business Owners,
Executives & Professionals
May 28, 2010, 2:3-4:30 p.m. ET
Speaker: Bob Ullom, President, R.V.
Ullom & Company
SBA 504 Loans: The Commercial
Financing That Works
Live & Interactive
Web Based
Seminars
May 20, 2010, 2:30-4:30 p.m. ET
Speakers: Amy Cooper and Harry
Leach, Capital Certified
Development Corp.
Becoming an Exceptional
Supervisor
May 24, 2010, 2:30-4:30 p.m. ET
Speaker: Honey Shelton Reed,
Founder, InterAction Training
Systems, Inc.
Safe Deposit - 2 Part Series
June 2, 2010, 2:30-4:30 p.m. ET
June 9, 2010, 2:30-4:30 p.m. ET
Speaker: Joyce McLin,
Safe Deposit Consultant
The New Mortgage Business 2 Part Series
June 7, 2010, 2:30-4:30 p.m. ET
June 14, 2010, 2:30-4:30 p.m. ET
Speaker: David Kemp, President,
Bankers Management, Inc.
ACH & Wire Transfer Fraud
May 27, 2010, 2:30-4:30 p.m. ET
Speaker: Susan Orr,
CISA, CISM, CRP
FACT Act: New Accuracy
& Integrity Rules
June 11, 2010, 2:30-4:30 p.m. ET
Speaker: Jack Holzknecht, Principal,
Pegasus Educational Services, LLC
Family Fiscal Fitness Site Features Financial Tools
A new website called Family Fiscal Fitness was launched in April by Florida CFO Alex Sink. It’s full of helpful
information for families who are looking to get their finances in better shape. The site could be a resource
for your banking customers or for you as banking institutions to use in your
consumer outreach and financial literacy initiatives.
The Financial Calculators can help your consumers plan their
financial futures. Each calculator allows them to enter specific
information and helps them follow different scenarios to better
understand their financial options. How much can they afford to pay
on a mortgage each month? Do they qualify for the Earned Income
Tax Credit? How much do they need to save each month to reach
their financial goals?
Visit the site online at http://www.myfloridacfo.com/
FamilyFiscalFitness/ to learn more.
28 — WWW.FLORIDABANKERS.COM
FLORIDA BANKING X MAY 2010
Please Join in the First-Ever
Florida Bankers Service Project
F
BA Chairman Bill Klich has asked the FBA to
establish a new event for the Annual Meeting
this year: the Florida Bankers Service Project.
We hope you will attend the Annual Meeting
in Naples June 6-9, 2010, and participate in this
event to demonstrate bankers’ commitment to
communities. Though every bank in Florida does
a great deal to give back to its own communities,
we rarely have the opportunity to demonstrate the
collective dedication of bankers to individuals and
communities in need.
On Monday, June 7, the FBA will join Habitat for
Humanity of Collier County (HHCC) by participating
in a Habitat Build to provide an affordable home
in an HHCC Community. A donation of $100 per
person is requested to help with the cost of building
materials. Please make your donation payable to the
FBA and send to:
FBA SERVICE PROJECT 2010
c/o Pamela Ricco
FLORIDA BANKERS ASSOCIATION
PO BOX 1360
TALLAHASSEE, FLORIDA 32303
This service project will take place in lieu of
the golf and tennis tournaments from 8 a.m. to
12 p.m. on Monday, June 7. Bus transportation
from the hotel to the build site will be provided.
Please register for the FBA Service Project/Habitat
Build by sending an email to serviceproject@
floridabankers.com, and please provide the name
of each person who will participate. If children
Photo courtesy of Habitat for Humanity.
under age 18 will participate, please indicate
their age(s).
We look forward to seeing you in Naples and
working with you on this very special project!
CLASSIFIEDS
Florida Banking Classifieds — If you would like to place a position-wanted or available ad or an ad to sell or buy
new and used bank equipment call 800-336-1120, fax 913-261-7010 or e-mail kwagner@banknews.com. The costs for
classified ads are $50 for the first 30 words, and $10 for each additional 10 words. Blind box ads are $20 extra. As a
bonus, all ads will also appear for two months on the BankNews website (www.BankNews.com). Deadline is the
1st of the month preceding publication.
Modular Bank Buildings — Looking to branch? Opening a
new charter? Disaster planning? Need a temporary facility
while remodeling? Temporary/permanent modular bank
buildings new and used. North American Buildings, 888800-8866, www.NorthAmericanBuildings.com.
FLORIDA BANKING X MAY 2010
Two Used Modular Banks for Sale!!!! Built in 2004 and
2007. Fully operational and furnished with three teller
stations and drive-in. Please call 352-224-1920 or e-mail
bob.page@alarionbank.com for details.
WWW.FLORIDABANKERS.COM
— 29
UPCOMING FBA EVENTS
Information for these and other FBA events is available at www.floridabankers.com.
JUNE 6-10
FBA’s 122nd Annual Meeting
Naples, Fla.
Contact: Kim Wilder
(kwilder@floridabankers.com)
AUG. 1-7
Florida School of Banking
University of Florida, Gainesville
Contact: Abigail Howard
(ahoward@floridabankers.com)
JUNE 16-18
RESPA and Truth in Lending Review and
Update
June 16—Miami
June 17—Orlando
June 18—Tallahassee
Contact: Abigail Howard
(ahoward@floridabankers.com)
AUG. 12-13
4th Annual Florida Bank President
/CEO Summit
JW Marriott Grande Lakes, Orlando
Contact: Pete Brokaw
(pbrokaw@floridabankers.com)
JULY 11-15
Florida Trust School and Florida
Graduate Trust School
Embassy Suites University of
South Florida, Tampa
Contact: Abigail Howard
(ahoward@floridabankers.com)
OCT. 18
2010 Wealth Mangement Conference
Hyatt Regency Bonaventure, Weston
Contact: Letty Newton
(lnewton@floridabankers.com)
OCT. 27-29
25th Annual Florida Bank Directors Forum
Contact: Abigail Howard
(ahoward@floridabankers.com)
Airport Marriott, Orlando
ADVERTISING DIRECTORY
COMPANY
PHONE
WEBSITE
ACCUME PARTNERS
305-746-5883
WWW.ACCUMEPARTNERS.COM
25
BANCSERV
850-224-2265
WWW.FLORIDABANKERS.COM
32
BBVA COMPASS
800-644-3330
WWW.BBVACOMPASS.COM
7
BRINTECH INC.
800-929-2746
WWW.BRINTECH.COM
5
COMPUTER SERVICES, INC.
800-545-4274
WWW.CSIWEB.COM
11
COUNTRY CLUB BANK
800-288-5489
WWW.CCBCM.COM
13
ICS COMPLIANCE
888-250-4400
WWW.ICSCOMPLIANCE.COM
31
PULSE
800-420-2122
WWW.PULSENETWORK.COM
SALTMARSH, CLEAVELAND & GUND
800-477-7458
WWW.THEBANKADVISORS.COM
27
SHAZAM
800-537-5427
WWW.SHAZAM.NET
23
30 — WWW.FLORIDABANKERS.COM
PAGE
2
FLORIDA BANKING X MAY 2010
Presorted Standard
U.S. postage
PAID
Permit #144
Midland MI
1001 Thomasville Road, Suite 201, Tallahassee, FL 32303
Change Service Requested
What do you look for in a vendor?
We’ve got it.
To learn more about BancServ Endorsed Partners, call us: 850.224.2265