What Is A Community Bank?

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What Is A Community Bank?

• Locally owned and operated financial
  institutions.
• Local decision making, particularly on loan
  requests
• Assets usually range from 10 million to a few
  billion
• dollars.
• Board Members and CEOs are local citizens who
  want
• to advance the interests of the community.
• Local decision making, particularly on loan
  requests.

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Georgias Community Banks

• Georgia has approximately 330 Community Banks.
• Georgias Community Banks employ more than 25,000
  people.
• Georgias Community Banks generate more than 80
  of all small business loans in the state.
• Georgias Community Banks operate over 1,100
  banking locations across the state.

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In Perspective

• Georgias Community Banks Have An Average Asset
  Size of 176,400 Million
• Total Bank Assets In The State of Georgia Exceed
  47.2 Billion.

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Distribution of Community Banks By Region in
Georgia
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Community Bank Services

• Community Banks offer traditional retail banking
  services for consumers and businesses (all types
  of both loan and deposit services)
• Many Community Banks also offer other financial
  services such as investments, insurance,
  financial planning, etc.

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Community Banking Services

• Electronic Banking
• Automated Teller Machines, with little or no
  surcharge fees.
• Credit and debit cards with competitive rates
  features.
• Wide variety of mortgage and consumer loan
  products.
• Competitive checking, saving and investment
  products and rates.
• Small business and agricultural lending.

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Where Do Community Banks Lend Money?

• Community Banks channel most of their loans to
  the neighborhoods where their depositors live and
  work.
• In fact, on average, 95 of the typical Community
  Banks loan portfolio is reinvested into the
  community!

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Community Banks Are Small Business Friendly!

• Community Banks are themselves small businesses,
  therefore, they understand the needs of small
  business owners.
• Traditionally, Community Banks are a critical
  source of lending for farms and small businesses
  in local communities.
• In that respect, Community Banks serve as the
  economic engine for the local economies of many
  communities.

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Community Bank Officers And Board Members Are
Involved In The Community!

• Community Bank Officers are generally accessible
  to their Customers on site!
• Community Bank Officers and Board Members are
  typically deeply involved in local community
  affairs and local economic development.

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Why are Community Banks and Community Bankers so
committed to the communities they serve?

• The answer is simple
• Community Banks Do Not Do Well Unless the
  Community Does Well!

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What Is The Community Bankers Association of
Georgia?

• Short Answer
• CBA is a support organization for Community
  Banks.
• Mission
• To promote the preservation and continued
  development of community banking in Georgia
  through the unified efforts of the Associations
  membership and staff.

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What Is The Community Bankers Association of
Georgia?

• A non-profit organization serving over 300
  Community Banks and over 200 associate members in
  Georgia.
• Members of CBA include the newest de novo and
  institutions that are more than a century old.
• Most of CBAs members have assets of less than 1
  billion.
• CBA member banks are FDIC insured and have either
  a national or state charter to conduct banking
  business.
• Depending on their charter, they are regulated by
  either the Office of the Comptroller of the
  Currency, the FDIC, the Federal Reserve Board
  and/or the Georgia Department of Banking
  Finance.

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CBAs History

• CBA was formed in 1969
• Originally called Independent Bankers Association
  of Georgia (name changed in 1985)
• Founded as a vehicle for political representation

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Focus On Education

• Focus remained on political activities until 1986
  when the CBA education program was instituted.
• The CBAs educational program has grown
  significantly over the years and now represents
  much of the activity of the Association.
• CBA offered over 200 classes, schools and
  seminars and trained over 5,000 bankers and bank
  employees during the past year.
• All CBA educational programs are specifically
  designed for Community Banks and help ensure that
  Community Banks have knowledgeable and
  well-trained staff to handle your finances.

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Two Additional Areas Of Focus For CBA

• Networking Opportunities
• Services (i.e. group purchasing, group discounts,
  etc.)

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Leadership Division

• Established to assist in the development of
  senior management for Community Banks
• Junior and mid-level management participates
• Primary Activities
• Economic Education/Financial Literacy
• Childrens Healthcare of Atlanta
• PAC/PR Fundraising

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