What Is A Community Bank?

2. 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.

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

4. In Perspective… • Georgia’s Community Banks Have An Average Asset Size of $176,400 Million • Total Bank Assets In The State of Georgia Exceed $47.2 Billion.

5. Distribution of Community Banks By Region in Georgia

6. 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.

7. 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.

8. 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 Bank’s loan portfolio is reinvested into the community!

9. 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.

10. 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.

11. 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!

12. 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 Association’s membership and staff.

13. 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 CBA’s 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. What Is The Community Bankers Association of Georgia?

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

15. Focus On Education • Focus remained on political activities until 1986 when the CBA education program was instituted. • The CBA’s 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.

16. Networking Opportunities Services (i.e. group purchasing, group discounts, etc.) Two Additional Areas Of Focus For CBA:

17. 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 • Children’s Healthcare of Atlanta • PAC/PR Fundraising