PALMETTO Banker - WAYNE WICKER - South Carolina Bankers Association
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PALMETTO
SOUTH CAROLINA
BANKERS ASSOCIATION
Fall Issue 2021 Banker
WAYNE WICKER
South Atlantic Bank / 2021-2022 SCBA Chairman
2021-2022 BOARD OF DIRECTORS
SCBA EXECUTIVE COMMITTEE
Chairman Chairman-Elect First Vice-Chairman Treasurer Immediate Past Chairman
K. Wayne Wicker Fleetwood S. Hassell Boyd B. Jones Jennifer T. Jones James A. Bennett
South Atlantic Bank The Bank of South Synovus CBL State Savings Bank First Citizens Bank
Myrtle Beach, SC Carolina Columbia, SC Greer, SC Columbia, SC
Charleston, SC
SCBA BOARD OF DIRECTORS
2nd Immediate President & CEO Group I Director Group II Director Group III Director
Past Chairman Fred L. Green III H. Richard Sturm Dominik Mjartan Richard D. Burleson
Samuel L. Erwin South Carolina Ameris Bank Optus Bank Community First Bank
First Horizon Bankers Association Mt. Pleasant, SC Columbia, SC Seneca, SC
Greenville, SC Columbia, SC
Group IV Director Group V Director Group VI Director Community Bankers Bankers School,
C. Justin Hawkins Samuel R. Small, Jr. Robert F. Dozier, Jr. Council, Chairman Chair
Wells Fargo First Palmetto Bank First Reliance Bank Curtis T. Evatt Marvin E. Robinson, Jr.
Greenville, SC Columbia, SC Columbia, SC Oconee Federal Ameris Bank
Savings & Loan Columbia, SC
Seneca, SC
Young Bankers, Member-at-Large Member-at-Large Member-at-Large Member-at-Large
Chair Thomas Bouchette Renee Brooks J. Holt Chetwood M.J. Huggins III
David P. Looper The Citizens Bank South State Bank First Citizens Bank United Bank
Wells Fargo Florence, SC Columbia, SC Columbia, SC Charleston, SC
Columbia, SC
Member-at-Large Member-at-Large
John D. Kimberly C. Kyle Thomas
Park National Bank Blue Ridge Bank
Spartanburg, SC Walhalla, SC
Contents
2009 Park Street I PO Box 1483
Columbia, S.C., 29202-1483
803.779.0850 I Fax: 803.779.0890
www.scbankers.org
2021-22 SC BA EXEC U TIV E CO M M ITTE E
Chairman ........................................................................ K. Wayne Wicker, South Atlantic Bank
Chairman-Elect ............................................. Fleetwood S. Hassell, The Bank of South Carolina
5 Past Chairman’s Message
First Vice Chairman ................................................................................ Boyd B. Jones, Synovus
8
Treasurer ..................................................................... Jennifer T. Jones, CBL State Savings Bank
Immediate Past Chairman ................................................. James A. Bennett, First Citizens Bank
Cover Story
2021-22 SC BA BOARD O F D IR E CTO R S
Second Immediate Past Chairman ...............................................Samuel L. Erwin, First Horizon
13
President & CEO .................................... Fred L. Green III, South Carolina Bankers Association
Directors ..........................................................................Thomas Bouchette, The Citizens Bank
Renee Brooks, South State Bank ABA Update
Richard D. Burleson, Community First Bank
J. Holt Chetwood, First Citizens Bank
Robert F. Dozier, Jr., First Reliance Bank
Curtis T. Evatt, Oconee Federal Savings & Loan
C. Justin Hawkins, Wells Fargo
M.J. Huggins III, United Bank
14 Annual Meeting & Trade Show
John D. Kimberly, Park National Bank
David P. Looper, Wells Fargo
Dominik Mjartan, Optus Bank
Marvin E. Robinson, Jr., Ameris Bank
Samuel R. Small, Jr., First Palmetto Bank
H. Richard Sturm, Ameris Bank
20 Young Bankers Division
C. Kyle Thomas, Blue Ridge Bank
2021-22 C OMMUNI TY B A N KE R S D IV IS IO N B O A R D
Chairman ..........................................................Curtis T. Evatt, Oconee Federal Savings & Loan
28 Palmetto Scholarship Winners
Chairman-Elect ........................................................................ J. B. Schwiers, GrandSouth Bank
Directors ..................................................................................... Dominik Mjartan, Optus Bank
31
Allan Bryan Carter, Kingstree Federal Savings & Loan
Marion E. Freeman, Jr., The Conway National Bank South Carolina Bankers School
Joseph Kassim, First Capital Bank
Brooks Melton, Beacon Community Bank
32
2021-22 BANK ERS SC H O O L B O A R D
Education & Professional
Chair ................................................................................ Marvin E. Robinson, Jr., Ameris Bank
Chair-Elect ...................................................................... Richard N. Burch, South Atlantic Bank Development
Immediate Past Chair ....................................................................Annette L. Scott, Countybank
Directors ............................................................. Thomas C. Anderson, Jr., First Palmetto Bank
34
Robert P. Hucks II, Coastal Carolina National Bank
Calvin C. Hurst, Southern First Bank
John M. Leighton, South State Bank
Welcome New Members
Joseph A. Painter, First Community Bank
Michelle B. Seaver, United Community Bank
36
J. Reeves Skeen, First Citizens Bank
Robert L. White, Bank of Travelers Rest
Mze Wilkins Personal Transactions
Course Coordinators .......................................................................................James R. Clarkson
John C. Griggs III, Synovus
39
W. David Keller, The Citizens Bank
Francis A. Townsend III, South State Bank
Banking News
2021-22 Y OUNG BAN KE R S D IV IS IO N B O A R D O F D I R EC T OR S
Chair ...............................................................................................David P. Looper, Wells Fargo
Chair-Elect ................................................................................Rufus T. Dunlap V, Countybank
First Vice Chairman ..................................................................... B. Oneal Staples, Ameris Bank
Immediate Past Chair ...........................................................Allison B. Cranford, TD Bank, N.A.
Directors ....................................................................................................Reid Boehm, Synovus
Michelle A. Coletta, South Atlantic Bank SC B A St a f f
Vaughan R. Dozier, Jr., First Community Bank President & CEO ............................ Fred L. Green III
Margi M. Fleming, The Citizens Bank Senior Vice President ...................... Carolyn L. Bradley
Austin J. Goforth, First Palmetto Bank Senior Vice President ...................... E. Anne Gillespie
Lauren D. Greene, First Citizens Bank Senior Vice President & Counsel .... A. O’Neil Rashley, Jr., Esq.
Daniel Harshaw, Bank of York Accounting Officer .......................... Israel Reeves
Joseph H. Hyman, The Conway National Bank Administrative Assistant .................. Bonnie E. Nelson
Othniel W. Laffitte, GrandSouth Bank
Everette J. Livingston, First Citizens Bank The Palmetto Banker is a publication of the South Carolina
S. Alexis Matthews, The Peoples Bank Bankers Association. The magazine exists to serve its members by
Jared A. Polk, Enterprise Bank of SC communicating news of interest, education and SCBA activities.
Charles H. Redmond, South State Bank Items from members are welcome, however the editor reserves the
Lincoln R. Stewart, Countybank right to refuse copy. With the exception of official announcements, the
M. Brice Sprayberry III, United Community Bank SCBA disclaims responsibility for opinions expressed and statements
made in articles published in the Palmetto Banker.
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Past
Chairman’s
message
BENNETT PONDERS
a Year of Change
WITH
Pride James A. Bennett, Past Chairman
South Carolina Bankers Association
James Bennett says there was no better time for him to be said. “It has to come from the top if it’s going to mean anything.
chairman of the South Carolina Bankers Association than the year When you hear the chairmen and CEOs of corporations say they
ended June 30. want their workforces to be reflective of the communities we
serve it carries a lot of weight.”
Bennett, the first African-American to chair the SCBA, led the
organization during the Covid-19 pandemic amid an increased At home, the pandemic brought SCBA members closer together,
focus nationwide on social issues. He wouldn’t have wanted it despite the Association being unable to hold its 2020 annual
any other way. convention or quarterly meetings during Bennet’s tenure
as chairman.
“Some folks said it was a shame that I’d gotten to the point in my
career of being the chairperson for the Bankers Association only Bennett, prior to taking over as chairman in July 2020, came up
to have it occur during a pandemic,” he said. “But I think it was with the idea of having SCBA members join together on
almost divine intervention that it happened when it did.” conference calls to get updates. Some calls had more than 200
bankers listening in.
Bennett is proud that his term as chairman occurred at a time
when the nation took a closer look at social justice, prompted by “We were working in a pandemic, but never before did the South
the death of George Floyd in Minneapolis in spring 2020, Carolina Bankers Association have so much interaction with
beginning shortly before Bennett took over as chairman. members, even though we couldn’t meet in person,” he said.
“If there had not been a pandemic, we would not have had a Bennett, an area executive for First Citizens Bank, said as 2020
focus on social justice. Had we not been in a pandemic, America began he thought he would be heading the SCBA during a
would not have been at home watching what happened to George “typical” year, with four quarterly meetings and the annual
Floyd,” said Bennett, the only African-American state banking convention.
association chairman in the nation during the past year and one
of just a handful in the history of the industry. “But it turned out to be anything but typical. We had to chart
new waters,” he said.
The resulting social upheaval prompted corporate America,
including many banks, to examine social issues more closely. “James had an unusual year to serve due to Covid, and he did a
great job,” said incoming SCBA Chairman Wayne Wicker,
“Corporate America not only put their money where its mouth chairman and chief executive officer of South Atlantic Bancshares
was, they put policies and procedures in place, as well,” Bennett and subsidiary South Atlantic Bank.
FA L L 2 0 2 1 • PALMETTO BANKER 5
B ennett P onders a Y ear of C hange with P ride (continued)
“James is certainly a tough act to follow; he’s a great banker and “It’s better; we’re not there yet, but it continues to be a journey,”
man,” Wicker said. “We have a good relationship, and we he said. “We have to continue to work together and talk with
regularly talk or text. I’m sure I will lean on him for advice, and I one another.”
know he’s willing to help.”
Social change happens, Bennet said, when blacks and whites
better understand the role race plays.
Continuing Impact of Pandemic
That assistance will likely come in handy as Covid-19 is expected “Black people think about race every day, When I enter a room,
to impact South Carolina and the nation into 2022. Total I look around to see who looks like me,” Bennett said last year.
Covid-19 deaths in South Carolina are projected to exceed “… we’re at a place in our history where we need white people
13,000 by Dec. 1, according to the Seattle-headquartered of good will to think about race every day.
Institute for Health Metrics and Evaluation. That figure represents
an increase of more than 2,000 from mid-September. “The reason you need to think about race is to avoid the
unintended consequences,” he added.
Over the past 18 months, there have been more than 800,000
Covid cases in South Carolina. A survey of state businesses by the “I have been learning from others my entire life,” SCBA President
South Carolina Chamber of Commerce in August showed nearly and CEO Fred Green said. “A close relationship and frequent
40 percent reporting that the rise in Covid-19 cases has already personal conversations with James has taught me so much
negatively impacted their operations, and three of four are either about differences in perception and sensitivities that we all need
concerned or very concerned that the Delta variant of Covid-19 to think about.”
will impact their business negatively.
Within the industry, Bennett said he’s seen positive changes such
Increased difficulties for business, of course, can mean increased as reinstating internship and training programs to help banks
difficulties for financial services institutions. increase diversity.
Bennett, however, is confident South Carolina banks will adapt to “We’ve had relatively good diversity in banking’s lower levels,
the changing environment. among tellers and CSRs, but within management, especially
senior management, there remains work to be done,” he said.
“I’ve been in banking for 37 years and there has been continuous
change during that time,” he said. Part of the problem stems from the significant number of mergers
and acquisitions that have taken place in South Carolina over
Bennett has spent 27 years with First Citizens. He began his career the past few decades. So many banks were bought, and with that,
with Bankers Trust of South Carolina and has also worked for many capable individuals were let go from acquired companies
Republic National Bank and South Carolina Community Bank. as integration took place. That meant there was no shortage of
good bankers for hire, Bennett said.
He emphasized the metamorphosis the industry has undergone
over the past few decades and is confident that bankers “The need to cultivate minorities in leadership roles wasn’t there
will respond. because there were plenty of talented bankers already available,”
he said. “Now banks are again recognizing the need to embrace
“When I got into banking, the business was about loans and diversity throughout their entire organizations.”
deposits, but now there’s a more holistic approach,” he said.
“We’re not just banks, we’re financial services organizations.” Even with all that was going on over the past year, the annual
convention, held in early June, was the high point of
“Look at the changes we’ve seen in technology with online Bennett’s term.
banking and mobile platforms,” he added. “Right now one of our
challenges is trying to create a continued purpose for our “As bankers we compete against one another every day, but when
branches as more and more consumers embrace online banking. we come together, it’s not about competition, it’s about
How do we make our branches relevant in today’s environment?” comradery,” he said. “I have served in a leadership role for a
number of entities but there is no greater honor than to be
Bennett pointed to the change that’s taken place in society over recognized by your peers to lead your industry’s organization.”
the past year and a half. He said there have been tangible results
in bringing about a shift in how individuals view social issues.
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W I N T E R 2 0 2 1 • PALMETTO BANKER 7
Cover
story
WAYNE WICKER: Military service helped Wayne Wicker gain
focus and perspective, two characteristics
that have served him well during his
Planning to
banking career.
Wicker was a fulltime banker serving in
the S.C. Air National Guard in the late
Lead SCBA with 1980s and early ‘90s. His six-year
enlistment term was nearing its end
when fate intervened.
Focus and “My term was going to be up in 1991, and
I was ready to get out,” he said. “And
wouldn’t you know it, we were activated
Perspective
in December 1990.”
Wicker’s Air National Guard unit was
one of many sent overseas to take part in
the Gulf War, which began in January
1991 in response to Iraq’s 1990 invasion
and annexation of Kuwait. Wicker was
sent to Saudi Arabia, where he handled
8 FA L L 2 0 2 1 • PALMETTO BANKER
flight operations for F-16 fighter jets for When Anchor was acquired by The South Wicker and fellow Myrtle Beach area
four months. Financial Group, parent of Carolina First bankers Scott Plyler and Dick Burch held
Bank, Wicker turned down an offer to stay their first organizational meeting in March
“I went over there as a high-strung guy in onboard, instead moving to Nexity Bank 2007. They were able to raise $28 million
my late 20s and being over there really as the institution’s correspondent banker in just 90 days. The bank opened its doors
changed my outlook on life,” he said. “I for the Carolinas. before the end of the year.
realized that nothing is promised to us in
terms of how long we’ll live. I learned to By 2007, he was ready to strike out on Today, Wicker, 57, is chairman and CEO
appreciate life a lot more.” his own. of South Atlantic Bank, Plyler is president
and Burch is EVP, chief financial officer
Wicker returned and went back to “During my time with Nexity I learned a and chief operations officer. Wicker also
banking. But he was more focused on lot about how to run a bank, using the serves as chairman and CEO of parent
being the best community banker he knowledge I’d gained from dealing with so company South Atlantic Bancshares.
could, which included working closely many different banks,” he said.
with small businesses and residents along “I’ve known Wayne since he started his
the Grand Strand. Wicker sensed an opportunity in early career as we were both with C&S,” said
2007. In late 2006 BB&T announced it SCBA President and CEO Fred Green.
Wicker, the 2021-22 chairman of the would acquire Myrtle Beach-based Coastal “Later, when he joined Nexity, he called
South Carolina Bankers Association, Federal Bank, In addition, Carolina First, on my bank and we began doing business
started his career with a large institution, which had a large presence on the Grand together.
C&S Bank in Myrtle Beach, before moving Strand, and Beach First National Bank of
to a smaller operation, Little River’s 1st Myrtle Beach were struggling, as the effects “When I joined the SCBA 10 years ago, I
Atlantic Bank. of Great Recession began to be felt. got to know Wayne, his wife Mary and son
Wilson on a more personal basis,” Green
“I wanted to try the community banking “We saw a need for a new community added. “I’m proud of our friendship and
world and it turned me into a community bank in the area and we were able to put a the very successful bank he’s built.”
banker for life,” he said. “Once I joined 1st pretty good team together from other
Atlantic, I knew community banking was banks,” Wicker said.
it for me.” On the Move
Wicker said South Atlantic was unusual in In less than 14 years South Atlantic has
His career took off after his move to that he and the other bankers he was grown from a startup with a handful of
community banking. Wicker began as working with to start South Atlantic got employees to one of the largest state-based
a commercial loan officer with 1st together and picked the institution’s banks. South Atlantic has 155 employees,
Atlantic, then moved to Anchor Bank directors. Often, directors of a bank in nearly $1.2 billion in assets and 11 offices
once Anchor acquired 1st Atlantic. Wicker formation will join together first, then along the South Carolina coast, from
would spend 14 years with Anchor, pick a CEO to lead the nascent bank. North Myrtle Beach through Georgetown
eventually running the institution’s North and Charleston to Hilton Head Island.
Coast market.
Cover
story
Wayne Wicker: Planning to lead SCBA with Focus and Perspective (continued)
“When I think of Wayne as a banker and Wicker first became involved with the pandemic,” Wicker said. “If that happens,
person, his success in building South SCBA through the Young Bankers though, the SCBA is going to have to
Atlantic Bank says it all,” said longtime Division, attending conferences and adjust on the fly, whether it’s holding
banker and former SCBA Chairman Sam seminars put on by the Association. weekly or bi-weekly meetings over the
Erwin. “He is the consummate community While with Nexity, he not only attended phone. Those calls really helped, and it
banker, having built a strong community annual conventions for the SCBA and the didn’t matter if you were a $59 million
bank from scratch with a starting point North Carolina Bankers Association, but bank or $2 billion bank.
just before the Great Recession. That in had his institution, which procured loans
and of itself is a testament to his leadership generated by correspondent lending and Wicker has plenty to keep track of in
and banking acumen. participation lending, serve as a sponsor. addition to running South Atlantic.
“He brings a level of professionalism to his He follows James Bennett as SCBA In addition to being SCBA chairman, he
role as you would expect with a bank chairman and, like Bennett, is having to serves on the S.C. State Board of Financial
CEO, but he is also funny, warm and contend with the problems connected Institutions and is a member of the
engaging,” Erwin added. “When you put with the Covid-19 pandemic. membership committee of the American
all this together, it is no surprise Wayne Bankers Association. He also serves as a
has enjoyed the success he has over many Having bankers be able to join together board member and treasurer for The
years of banking in South Carolina.” at the 2021 Annual Convention was Citadel Brigadier Foundation, which
important, Wicker said. supports his alma mater.
Wicker said his secret to success is being
a good listener. “I want to continue to make sure we Wicker has been a banker for 35 years,
engage with each other,” he said. “And yet he said he still thoroughly enjoys
“I know some bankers who tell you what while it’s easy to say as chairman you want the business.
they want you to do. That turns me off to visit with every bank member in the
and it turns customers off. For me, it’s state, it is actually a tough task.” “Banking has certainly changed, but I still
been important to listen and find a good think it is all about your customers and
way to bank someone,” he said. “I feel like Wicker has held group meetings for communities,” he said. “Our employees
I’ve been successful because I have a true bankers in Columbia and Greenville. probably get tired of hearing it, but I like
desire to help people and communities.” The final group meeting will be held in to say it’s blocking and tackling – don’t
Charleston on December 9. make it too difficult and be the best at it.
Helping customers and the community
was evident last year, when South He added that many challenges lie ahead, “Some of my favorite memories are of
Atlantic processed more than 1,500 particularly those connected with Covid the people and businesses I’ve been able
Paycheck Protection Program loans, as and regulatory issues such as the expansion to help over the years, Wicker added.
his bank was operating around the clock of large credit unions in the state. “To watch them grow and be successful is
for three weeks. very rewarding.”
“I’m hoping we’re not heading back to
where we were last year regarding the
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12 FA L L 2 0 2 1 • PALMETTO BANKERaBa
U P d at e
TO PAY OR NOT TO PAY:
Ransomware Attacks
Offer an Unsavory Choice Rob Nichols, President and CEO
American Bankers Association
nichols@aba.com
It’s the message a CEO never wants to They’ve also begun branching out into perpetuate attacks on other institutions or
receive: “We’ve got your data and you “extortionware,” in which the hacker not entice the hacker to hit you again for more
need to pay up if you want it back.” only encrypts sensitive data, but then goes money. Paying a ransom could also erode
the extra step and threaten to publicly trust from customers and business
Unfortunately, that message is landing in release it unless the institution complies partners, as payment could signal a lack of
CEO inboxes increasingly often, as with their demands. continuity planning and preparation.
ransomware attacks ramp up in the U.S.
In just the first six months of 2021, the Given the potential operational and Either way, the first time you think about
Financial Crimes Enforcement Network reputational consequences of these types ransomware attacks and how to handle
identified $590 million in ransomware- of cyberattacks, banks need to have a plan them should not be after your bank has
related Suspicious Activity Reports—a in advance for how they’ll respond. There fallen victim to one. To that end, ABA in
42% increase from the 2020 total of $416 are a number of factors to consider. October released a new Ransomware
million. And FinCEN reports that we Toolkit, which provides helpful guides
could be on track to see a higher First, while most companies do choose to f o r p ro t e c t i n g y o u r b a n k a g a i n s t
transaction value for ransomware-related pay—cyber insurer Marsh McLennan ransomware attacks, responding in the
SARs than we’ve seen in the past 10 reports that more than 60% of ransomware event of an attack and determining
years combined. victims pay the requested ransom—it’s not whether to pay a ransom. Download the
always a guarantee that the encrypted data toolkit at aba.com/ransomware.
Ransomware attacks—which use malware will be fully restored. In fact, one survey of
to encrypt files on a computer or mobile more than 5,000 IT decision-makers Ransomware represents a serious threat to
device and render it unusable until a worldwide found that about half of those all businesses. But the good news is that
ransom is paid—present companies with who did pay a ransom only recovered the financial sector is ahead of the game
an unsavory dilemma: pay a ransom to a 65% of their compromised data. Twenty- when it comes to cybersecurity, given the
criminal actor, or lose a potentially nine percent said they only recouped rigorous regulatory framework banks
devastating amount of data, which could about 50%. adhere to. After all, as we found in a
seriously compromise business operations. recent ABA/Mor ning Consult poll,
And even if a company’s ransom hacker consumers overwhelmingly trust banks
These kinds of attacks are evolving unlocks all the encrypted data after the the most to keep their personal
quickly in sophistication and scope, and ransom is paid, the company will still need information safe and secure.
virtually any business could be targeted at to take steps to clean that data and make
any time. What’s perhaps most concerning sure that it can’t be easily re-encrypted. By addressing the problem of ransomware
is that criminal actors are increasingly head-on and taking prudent steps to
targeting critical infrastructure entities, as On the other hand, there are also a prepare, we can help our industry
we saw in the Colonial Pipeline incident number of good reasons not to pay a maintain its reputation as the “gold
earlier this year that caused a shutdown ransom. There are the societal costs to standard” for data protection.
of a major East Coast oil provider. consider—paying the ransom could
FA L L 2 0 2 1 • PALMETTO BANKER 13sCBa annUal
Convention
A Meaningful Time
at the
2021 Annual Meeting
Over 300 bankers, associate members, family and friends enjoyed being together
at the 2021 SCBA Annual Meeting. This year’s meeting, hosted by Chairman James
Bennett, was held at the spectacular Cloister at Sea Island on June 6-9. After
postponing the event in 2020 because of the pandemic everyone was so happy
to spend time with old friends while making new ones.
14 FA L L 2 0 2 1 • PALMETTO BANKERsCBa annUal Convention
FA L L 2 0 2 1 • PALMETTO BANKER 17
2020 Outstanding Young Banker
Vaughn R. DozieR, JR. | FiRst Community Bank
Please mark your calendars now for next year’s meeting for June 16-19, 2022 at The Broadmoor, Colorado Springs, CO.
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18 FA L L 2 0 2 1 • PALMETTO BANKER2021 Outstanding Young Banker
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FA L L 2 0 2 1 • PALMETTO BANKER 19yoUng Bankers
division
2021 Annual Conference
MARCH 19-21, 2021
T H E O M N I G R O V E PA R K I N N , A S H E V I L L E , N C
The Young Bankers Annual Conference in 2020 was the last large in-person event held by
the SCBA before the pandemic. The 2021 Annual Conference hosted by Young Bankers
Chair Allison Cranford, was also the first large in-person event held by the SCBA as the
rate of infection continued to drop. Although different from past conferences because
of social distancing precautions everyone enjoyed each other’s company.
20 FA L L 2 0 2 1 • PALMETTO BANKERFA L L 2 0 2 1 • PALMETTO BANKER 21
yoUng Bankers
division
2021 Annual Conference
22 FA L L 2 0 2 1 • PALMETTO BANKERFA L L 2 0 2 1 • PALMETTO BANKER 23
yoUng Bankers
division
Scholarship Golf Tournament
Our annual Scholarship Golf Tournament was
held on October 4th at the Columbia Country
Club. Around 120 golfers enjoyed a beautiful day
on the course and participated in this fundraiser
for our Palmetto Scholarship program available
to children of member bank employees.
24 FA L L 2 0 2 1 • PALMETTO BANKERThanks to our sponsors:
EAGLE SPONSOR HOLE-IN-ONE SPONSOR Coastal Carolina National Bank
Southern First Bank United Bank Deloitte
Enterprise Bank of SC
BIRDIE SPONSORS PRIZE HOLE SPONSORS Federal Home Loan Bank of Atlanta
A/R Funding First Citizens Bank First Community Bank
Fitech Payments Performance Trust Capital Partners, LLC First Palmetto Bank
GrandSouth Bank Synovus Oconee Federal Savings & Loan
HUB International Southeast Park National Bank
Pinnacle Financial Partners HOLE SPONSORS Sandhills Bank
Travelers Insurance Bank of America South Atlantic Bank
United Community Bank Bank of Clarendon The Bank of South Carolina
Bankers Healthcare Group The Peoples Bank
BEVERAGE CART SPONSORS Burr & Forman LLP Turner Padget Graham & Laney, PA
CBSI Business Development Corporation/ Wells Fargo
Elliott Davis, LLC Certified Development Corporation
Congratulations to the winners:
Charlie Mimms, Mimms Contracting LLC
Manning Crapps, First Community Bank
Mac Humphries, HUB International
Vaughan Dozier, First Community Bank
CLOSEST TO THE PIN: LONGEST DRIVE:
Vaughan Dozier, First Community Bank Tony Carimi, Synovus
THE 2022 TOURNAMENT WILL BE HELD MONDAY, OCTOBER 3, SO MARK YOUR CALENDARS!
FA L L 2 0 2 1 • PALMETTO BANKER 25yoUng Bankers division
Not all lenders
are the same.
National for-profit lenders often charge rates
of 8-12% for student loans. As South Carolina's
non-profit lender, we’re different. Our loans
start as low as 4.08%. Put our local
knowledge, easy process and low rates to work
for you.
Apply today at scstudentloan.org.
*APR rates range from 4.08% - 9.68%. Low rate shown includes
a .25% reduction for automatic bank draft. Competitor rate examples
are from their website as of 10/1/2020.
Some restrictions apply. See website for details.
FA L L 2 0 2 1 • PALMETTO BANKER 2720 21
Palmetto sCholarshiP winners
We are pleased to announce that we were able to award
$63,000 in scholarships to deserving students this year.
ANDERSON BROTHERS BANK FIRST PALMETTO BANK
Payton Barnhill, child of Tina Barnhill, Conway Caroline Best, child of Marvin Best, Camden
ARTHUR STATE BANK GRANDSOUTH BANK
Gabriella Evans, child of Jessica S. Evans, Clinton Harrison Wood, child of John Beale Wood Jr., Greenville
Haleigh Palmer, child of Dena Lancaster, Union MERRILL LYNCH
BANK OF AMERICA Cassey Nicholl, child of Cheryl Nicholl, Myrtle Beach
James Brighton, child of John Brighton, Hilton Head Island SANDHILLS BANK
Bailey Cardone, child of Matthew Scott Cardone, Anna Brewer, child of Ralph Brewer, North Myrtle Beach
Greenville Jessica Brewer, child of Ralph Brewer, North Myrtle Beach
Kaylin LeCroy, child of Christopher LeCroy, Clemson SOUTH ATLANTIC BANK
Wesley Munn, child of Mark Munn, Charleston Lawton Branham, child of Beth Branham, Myrtle Beach
Mattison Tenry, child of Deanna J Mann, Clemson Sarah Johnson, child of Stacy Johnson, Myrtle Beach
BANK OF CLARENDON Aaron Minter, Jr., child of Travis A. Minter, Myrtle Beach
Brynne Baxley, child of Lisa Reed, Summerton SOUTH STATE BANK
Elizabeth McInnis, child of Stacey McInnis, Manning Callum Allison, child of Michelle Allison Williams, Greenville
BANK OF THE LOWCOUNTRY Michael Brunet, child of Claudette Brunet, North
Jim Bunton III, child of James M Bunton Jr., Walterboro Charleston
BANK OF YORK Kaila Gleaton, child of Tammy Gleaton, Greenville
Abby Good, child of Beverly Good, York Jade Huang, child of Nancy Cox, Ellorree
CAROLINA BANK AND TRUST Wallace Townsend, child of Frank Townsend, Aiken
Caroline Falcone, child of Brain Falcone, Florence Raven Walters, employee of South State Bank, under
COASTAL CAROLINA NATIONAL BANK Katie Moore, Columbia
Ryan Riedinger, child of Marjorie Riedinger, Garden City Marissa Wheeler, employee of South State Bank, under
COASTAL STATES BANK Rebecca Overmier, Mount Pleasant
Jack Spiehs, child of Ric Spiehs, Hilton Head Island SYNOVUS
COMMUNITY FIRST BANK Sydney Tekac, child of Jerry Tekac, Charleston
Kathleen Champagne, child of Jennifer M. Champagne, Kristen Wixey, child of Angela Wixey, Sumter
Greenville TD BANK, N.A.
Lakyn Tippett, child of Rhonda Tippett, Seneca Jackson Ashley, child of Stephanie Ashley, Greenville
CONWAY NATIONAL BANK Kate Black, child of Tony Black, Lexington
Olivia Sweatt, child of Roger Sweatt, Conway Holly Granger, child of Jianwen Fan Granger, Charleston
COUNTYBANK Andrew Hunt, employee of TD Bank, N.A., under Joseph
Savannah Huskey, child of Annette Scott, Greenwood Chad Radcliffe, Lexington
Nick Mumford, child of Dayle Mumford, Greenwood Jacob Koenemann, child of Mary Koenemann,
DEDICATED COMMUNITY BANK Greenville
Davis Ivey, child of Jim Ivey, Darlington Kayla Thomas, child of Susane Bloomfield, Lexington
FIRST CAPITAL BANK Reet Verma, child of Rajesh Verma, Lexington
Caroline Kornahrens, child of Brian Kornahrens, Charleston THE CITIZENS BANK
FIRST CITIZENS BANK Mabry Godbold, child of Joel Foster, Murrells Inlet
Josh Coleman, child of Russell Coleman, Columbia THE PEOPLE’S BANK
Roger Hemingway, child of Cetra Hemingway, Conway Porter Kirven, child of Coleman Kirven, Anderson
Delta Pennington, child of Dori Pennington, Aiken Jordan Whitfield, child of David Whitfield, Anderson
Maddie Risinger, child of Gregory Risinger, Columbia UNITED BANK
FIRST COMMUNITY BANK *Dalton Arseneau, child of Douglas Arseneau, Garden
Rachel Hair, employee of First Community Bank, under City
Drew Painter, Lexington *Carley Blackwell, child of Christy Blackwell, Taylors
Joanna Kiker, employee of First Community Bank, under UNITED COMMUNITY BANK
Travis McCormack, Columbia Joel Kenneth, child of Pittard Paige Pittard, Easley
FIRST HORIZON Lauren Woods, child of Sharon Woods, Laurens
Gray Whitener, child of Tripp Whitener, Columbia
*Recipient of the CresCom Memorial Palmetto Scholarship
28 FA L L 2 0 2 1 • PALMETTO BANKERCongratulations to our 2021
Palmetto Scholarship winners
PORTER COLEMAN RACHEL HAIR ROGER HEMINGWAY SARAH JOHNSON WALLACE TOWNSEND WESLEY MUNN
AARON MINTER ABBY GOOD ANDREW HUNT BAILEY CARDONE BRYNNE BAXLEY JIM BUNTON
CASSEY NICHOLL DALTON ARSENEAU DAVIS IVEY ELIZABETH MCINNIS GABRIELLA EVANS
HARRISON WOOD JACK SPIEHS JADE HUANG JOEL KENNETH PITTARD JORDAN WHITFIELD
KRISTEN WIXEY LAUREN WOODS MADDIE RESINGER RYAN RIEDINGER MARISSA WHEELER MATTISON TENRY
MICHAEL BRUNET NICK MUMFORD PAYTON BARNHILL JOSHUA COLEMAN KAILA GLEATON KATHLEEN CHAMPAGNE
CAROLINE BEST CAROLINE KORNAHRENS GRAY WHITENER DELTA PENNINGTON HALEIGH PALMER
FA L L 2 0 2 1 • PALMETTO BANKER 29Save the Date
2022 YOUNG BANKERS DIVISION ANNUAL CONFERENCE
MARCH 18-20, 2022 | The Sweetgrass Inn | Wild Dunes Resort | Isle of Palms, SC
Growth You Can Bank On
2022 SOUTH CAROLINA BANKERS SCHOOL
JULY 10-15, 2022
Lander University | Greenwood, SC
30 FA L L 2 0 2 1 • PALMETTO BANKERBankers
sChool
2021
South Carolina Bankers School
July 11-16, all students congregated on the campus at Lander On Friday morning, while the First and Second year students
University in Greenwood, SC for a week-long, whirlwind of took their exams, Third Year students presented their banks’
study and professional development. We were so excited to be Annual Report to “shareholders.” Several SCBS Board members
back on Lander’s campus this past July for the 59th session of and Chair of the Association, Wayne Wicker, acted as judges.
the South Carolina Bankers School with in-person interaction. Congratulations to the winning teams:
Like most activities last year, we had to cancel the 2020 school
because of COVID-19. Nevertheless, we bounced back and the
2021 session proved to be most successful. We welcomed 49
new students to the program and in total, 152 students
participated. Many thanks to all of our second and third year
students for coming back after the one-year break.
In today’s competitive environment, it is critical for bankers to
remain knowledgeable about the banking sector. One of the
most comprehensive approaches to ensuring the professional
and personal growth of a banking executive is through the
completion of the South Carolina Bankers School. During this C OMMU NI T Y A: “ MAK I N’ B ANK”
school session, students found comradery, dynamic professors Emily Singleton, nCino
Lauren Nilan, Elliott Davis, LLC
and comprehensive course offerings. One of the School’s Lisa Poe, United Community Bank
greatest assets is its faculty, which is composed of the “best of Joe Gray Peeples, Palmetto State Bank
the best” from the banking, professional and academic worlds. Ryan Barnes, First Community Bank
Many faculty members have been associated with the School
for a number of years. This past session’s faculty included
numerous bankers, attorneys and business representatives
from the Carolinas and across the Southeast. These practicing
bankers and other industry representatives provided students
with real-life experiences and situations.
Even though we were on campus,
we did not host many of the social
activities as in years past. Graduation
was limited to seniors only Thursday C OMMU NI T Y B : “ B ANK B3”
evening and 51 students received Donna Smith, First Reliance Bank
Joy Kamees, United Bank
their diplomas. Brett Dooies, Mandy Smith, Carolina Bank & Trust Co.
nCino, was named the Lillie H. JT Duke, Bank of Clarendon
Magalis recipient, an honor David Gregorie, First Horizon
awarded to the student with the
highest cumulative average over Even though the schedule and work are demanding, the School
the course of the three years. provides time for building relationships through socialization
First Year class officers were also outside of the classroom. The networking possibilities and
announced with Amy Whitney, knowledge gained by attending the SCBS helps lay the
Countybank and Rand Waller, The Conway National Bank foundation for bankers to continue on to highly successful
being chosen as class president and vice president, respectively. careers while also cultivating friendships that will last a lifetime.
FA L L 2 0 2 1 • PALMETTO BANKER 31Bankers
sChool Next year’s school session will take place Sunday, July 10 – Friday,
July 15, under the leadership of Marvin E. Robinson, Jr., Ameris Bank!
32 FA L L 2 0 2 1 • PALMETTO BANKER2021 GRADUATES South Carolina Bankers School Gregory A. Badgett .............. The Citizens Bank Joy Kamees ........................... United Bank Ryan N. Barnes ...................... First Community Bank Athena Gioldasis Lawhon.... South State Bank Christopher M. Bradham ..... GrandSouth Bank Julie Ann Laws ....................... United Bank William T. Britton ..................... Anderson Brothers Bank Jennifer N. Lee ...................... Community First Bank Maggi M. Bryant.................... First Citizens Bank Ashleigh Oxner Malm ........... Arthur State Bank Eileen Campbell Burke ......... Enterprise Bank of SC Tegy Matthews ...................... Carolina Bank & Trust Co. Kelly L. Byrd ............................ South Atlantic Bank Austin W. McVay ................... United Community Bank Hunter Chamness ................. Southern First Bank Lauren Nilan........................... Elliott Davis, LLC Ashley M. Chaplin ................. United Bank Stephanie H. Owens ............. The Conway National Bank Ashley J. Christenbury .......... First Bank Joseph Gray Peeples ........... Palmetto State Bank Kacie G. Coker...................... Carolina Bank & Trust Co. Lisa Poe .................................. United Community Bank James C. Coles ..................... Pinnacle Financial Partners Kevin N. Renwick .................. AgSouth Farm Credit, ACA Bradley Crain ......................... First Community Bank Jennifer L. Sale ...................... Federal Reserve Bank of J. Patrick Craven................... Countybank Richmond Robert W. Cummins, III.......... AgFirst Farm Credit Bank Clayton Sherrod .................... Security Federal Bank Brett Dooies ........................... nCino Emily M. Singleton ................. nCino Jamaine E. Dorsett................ Federal Home Loan Bank F. Davis Skipper, III .................. The Conway National Bank of Atlanta Donna S. Smith ...................... First Reliance Bank John T. Duke .......................... Bank of Clarendon Mandy Smith ......................... Carolina Bank & Trust Co. Blake Fortier ........................... nCino April R. Staggs........................ United Bank Christie E. Foxworth ............... Coastal Carolina National Bank Benjamin Tackett .................. South State Bank Rebecca R. Gardner............ Coastal Carolina National Bank Steven L. Thornton ................ Pinnacle Financial Partners David R. Gregorie ................. First Horizon Courtney D. Tsukiji ................. South State Bank Nathan K. Harrison ................ Southern First Bank R. Daniel Williams .................. Federal Home Loan Bank Austin Hebert ......................... First Horizon of Atlanta Marko J. Huttunen ................ Countybank Karey S. Wilson....................... First Capital Bank Ann M. Jaskwhich ................. Coastal Carolina National Bank J. Harrison Wood ................... Security Federal Bank
2021–22
Calendar of Events
DECEMBER 2021
Bank Security Risk Management virtual Conference
December 1 – 2
https://scbankers.org/events/2021-bank-security-risk-management-virtual-conference/
J A N UA RY 2 0 2 2
Consumer Lending School
January 19 – 20
Marriott Courtyard at USC • Columbia, SC
F E B R UA RY 2 0 2 2
BSA/AML Conference Women in Banking Leadership Symposium
February 1 – 2 February 8 – 9
Columbia, SC Hilton Columbia Center • Columbia, SC
MARCH 2022
Young Bankers Division Annual Conference
March 18 – 20
The Sweetgrass Inn at Wild Dunes Resort • Isle of Palms, SC
JUNE 2022
Annual Convention and Trade Show
June 16 – 19
The Broadmoor • Colorado Springs, CO
J U LY 2 0 2 2
South Carolina Bankers School
July 10 – 15
Lander University • Greenwood, SC
Don’t forget the SCBA Webinars...
another source for your training needs.
Please visit https://scbankers.org/scba-events to see the
myriad of courses and webinars offered and to register!
34 FA L L 2 0 2 1 • PALMETTO BANKERS AV E T H E D AT E !
2022
LEADERSHIP SYMPOSIUM
[ FEBRUARY 8-9, 2022
Hilton Columbia Center | Columbia, SC ]
Own It: Being a Women in Banking.
I grew up knowing I wanted to be a banker. As a child, I would stash credit
card applications in my purse when my mom would take me to the mall
merely so I could fill them out and “play bank” with them when I got home. My
grandfather was a banker at a small community bank for 45 years and when I
would go visit him at his office, I would beg the tellers to send blank teller tickets
home with me so I could add them to my collection and make my bank game
just a tad more robust.
Fast forward a few years and I now find myself to be a 20-year veteran banker
that has served in the capacity of almost everything between a teller and
C-Suite officer. While my day-to-day role involves serving as the Chief Impact
Officer for Citizens Bank of Edmond, where I work remotely in Arkansas for a
one branch community bank in Edmond, Oklahoma known for their out of the
box, innovative thinking, I have also taken on the role of “the Girl Banker.”
In 2017, after attending various banking conferences and speaking at a few
FEATURING school career fairs, I asked myself the following question, “where are all the
Natalie Bartholomew women?” As someone who grew up knowing I wanted to be a banker, I felt
Keynote Speaker compelled to do something about it. If we didn’t start advocating for women
in the banking industry AND telling young women about career opportunities in
Chief Impact Officer the field, then this would continue to be a problematic cycle and one issue
wouldn’t be fixed without correcting the other.
Citizens Bank of Edmond
Edmund, Oklahoma That’s when the Girl Banker platform was born. It started as a blog and a small
social media presence but has since then grown to speaking engagements all
over the country, the Girl Banker Podcast, and a more robust social media
presence that includes a private Facebook Group for women in banking that
currently sits around 4600 members representing 36 different states. The Girl
Banker platform isn’t just a personal branding bit for me personally, it’s a
community of women in banking that includes advocacy, a strong network,
the sharing of helpful industry information, motivation, career opportunities,
and so much more.
To learn more about The Girl Banker, Natalie Bartholomew,
please visit: https://thegirlbanker.com/
It’s up to us to advocate for and develop the next generation of women in banking.
— Natalie
FA L L 2 0 2 1 • PALMETTO BANKER 35new
memBers
Welcome
We are fortunate to have an active and engaged roster Associate members
and proudly welcome these new members:
5iron 5iron is a cybersecurity operations company that defends
501 Corporate Centre your network 24x7x365. 5iron security operations are focused on
Suite 120
defending financial institutions. Working from our 24x7x365 Security
Franklin, TN 37067
(615) 567-8722 Operations Center, we leverage information gathered from institutions
5iron.com of all sizes to provide real-time protection for each of our clients. We
don’t just monitor and alert, we take a different approach—our
Mr. Jason Bradley Security Analysts engage identified threats—taking the action needed
501 Corporate Centre, Suite 120
to actively protect your organization.
Franklin, TN 37067
(615) 567-8719
jbradley@5iron.com
Alden Investment Group Alden Investment Group is an independently owned financial
37 West Ave., Suite 301 services firm comprised of a broker-dealer, Alden Securities, and
Wayne, PA 19087
Registered Investment Advisor, Alden Capital Management. We offer
(484) 437-1600
aldeninvestmentgroup.com a diverse menu of services including individual asset management,
institutional research, investment banking, retirement plans, private
Mr. JR Llewellyn placements, trading services and other RIA/BD offerings. By
1671 Carriage Ridge Drive combining the resources of our own asset management and broker/
Greensboro, GA 30642
dealer entities, we have a large degree of control and flexibility around
(615) 567-8719
jrllewellyn@aldeninvestmentgroup.com our businesses. In addition, our independence from large brokerage
companies allows us to utilize a wide range of products not available
at other firms to help our clients achieve their financial goals.
AmeriHome Correspondent AmeriHome is a top 3 correspondent investor, with clients including
1 Baxter Way, Suite 300 community and regional banks of all sizes. AmeriHome offers a suite
Thousand Oaks, CA 91362
of conventional and government products, both delegated and
(747) 212-0842
correspondent.amerihome.com non-delegated, to support their clients’ growth. They also offer a true
relationship to like-minded companies, including best-in-class service,
Mr. Steve Lilley industry leading turn times, and consistent and competitive pricing,
1 Baxter Way, Suite 300 allowing you to compete effectively in a challenging environment
Thousand Oaks, CA 91362
(727) 939-9191
steve.lilley@amerihome.com
36 FA L L 2 0 2 1 • PALMETTO BANKERAngell Molony, LLC With offices in both Aiken and Greenville, Angell
200 N. Main Street, Suite 301 Molony, LLC is dedicated to the enforcement of
Greenville, SC 29601 judgments across the state of South Carolina.
(803) 335-1449 The firm’s partners, Kevin N. Molony and Aaron
angellmolony.com
J. Angell, work on a 100% contingency basis,
Mr. Aaron Angell covering all costs and expenses of the collections
Angell Molony, LLC process. By utilizing an extremely thorough asset
200 N. Main Street, Suite 301 search program and applying the ever-changing
Greenville, SC 29601 South Carolina collection laws, the attorneys at
(864) 248-4708 Angell Molony have successfully collected on
aaron@angellmolony.com both large and small judgments for multiple
banks throughout the state.
RA Business Solutions RA Business Solutions (RABS) is the exclusive
838 Granby Street Equifax Sales Agent for the Mid-Atlantic region.
Norfolk, VA 23510 Their client portfolio includes auto dealers, banks,
(757) 455-9326 credit unions, finance companies, and real estate
rabsolution.com
companies. The RABS team, working with Equifax,
Ms. Casie Burton provides these industries leading edge consumer
838 Granby Street insights and analytics, as well as complete
Norfolk, VA 23510 consumer and commercial credit files.
(704) 577-3770
cburton@retailalliance.com
With all of the evolving financial industry changes, we are thankful for business alliances that meet our
members’ needs. The SCBA is dedicated to supporting and promoting cutting-edge industry providers to
our member banks.
For more information about Associate Membership, please contact SCBA Senior Vice President Carolyn
Laffitte Bradley by email at carolynbradley@scbankers.org
To view our Associate Membership Directory, click here.
FA L L 2 0 2 1 • PALMETTO BANKER 37Personal
transaCtions
Kerri Chisolm Jenna Bates Ryan Earwaker
Rivers Anderson Ashley Floyd Jordan Formo Jessica Suggs Creighton Yates Frank Wilson
AMERIS BANK Jordan Formo has joined as Loan Officer Eugene Massey has joined the team
in the Longs branch. as Vice President, Columbia Branch
Kerri Chisolm has joined the bank Bank Manager.
as Senior Vice President Commercial Bill Langfitt has joined the bank as Vice
Banking Relationship Manager in the President/Commercial Loan Officer in the
Charleston market. Myrtle Beach-Grissom office. COUNTYBANK
Greg Clark has joined the bank as Jessica Suggs has been promoted to JD Nelson III has been promoted to
Market President for the Upstate area. Graphic Design/Social Media Manager. Senior Vice President, Mortgage Division
Manager.
Jenna Bates, Ronnie Colson, Neal Jeff Williamson has been appointed Vice
Gross, and Dustin Morris have joined President Consumer Finance Director and Amber Price has been appointed Vice
the bank as Commercial Bankers in its will continue as manager of the Main President.
Greenville market. Street Conway office.
Jamie Compton has been appointed
Ryan Earwaker has joined Ameris Bank Creighton Yates has been promoted to Assistant Vice President.
as market president for the South Carolina Branch Manager in Conway.
Upstate. Andy Westbrook has joined the bank as
Executive Vice President, Commercial
Shannon Lindsey has joined the bank BANK OF AMERICA Banking Manager in Greenville.
as Branch Manager of the new Greenville
location at 301 North Main Street. Bank of America Private Bank has
expanded its Upstate Team to include FIRST CAROLINA BANK
ANDERSON BROTHERS BANK Frank Wilson, Private Client Advisor
and Senior Vice President; Lisa Wilson, First Carolina Bank announced the
Marcos Anaya has joined Anderson Private Client Manager and Senior Vice appointment of David Torris to the
Brothers Bank as a loan officer. President; Heather Boone, Portfolio newly created role of Managing Director
Manager and Senior Vice President; and – Market Development (South Carolina,
Rivers Anderson has been appointed as Katherine Odom, Trust Officer and Georgia and Western North Carolina),
Senior Loan Officer. Anderson will Senior Vice President. effective May 10th. Mr. Torris is located in
continue to be based in the bank’s Greenville, SC and will initially spearhead
Conway-Church Street office. John Sherman joins the Charleston Team the Bank’s official market entry into the
as Senior Vice President, Private Client Upstate of South Carolina.
Deborah Burroughs has joined the Manager.
company as Vice President Commercial Will Holmes has been appointed Market
Loan Officer in the Murrells Inlet office. Executive for the Midlands of South
COASTAL CAROLINA Carolina effective July 19th.
Ashley Floyd has been promoted to NATIONAL BANK
Branch Operations Coordinator of the
McIntyre office in Mullins. Eric Lowman has joined Coastal
Carolina as Market President of Bluffton
and Beaufort.
38 FA L L 2 0 2 1 • PALMETTO BANKERYou can also read
