Florida Banking December 2022/January 2023

Editorial & Executive Offices 1001 Thomasville Road, Suite 201 Tallahassee, FL 32303 850-224-2265 www.floridabankers.com Advertising & Production Offices 250 Prairie Center Dr., Ste. 300 Eden Prairie, MN 55344 952-835-2275 www.nfrcom.com For advertising information, contact Erica Nelson Advertising Sales Executive 763-497-1778 Erica@NFRcom.com For reprints or single issues, contact 800-336-1120 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 2022 Alex Sanchez President and Chief Executive Officer

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION

VOLUME 37

NUMBER 11

DECEMBER 2022/JANUARY 2023

ON THE COVER 8 ����������������� CCB Community Bank: Serving its community for 75 years CONTENTS 4 �������������������������� Chair’s Message 6 ������������������ Straight Talk from the President’s Desk 12 ������������� Government Relations: Odds and Ends for 2022-23 14 ����� BancServ Endorsed Partner: Banks: The Path to Service Quality and Managing Costs for the Future 16 - Trust Banking: The Season of Giving to Your Ex-Spouse? 18 - 18th Annual Florida Bankers/ California Bankers DC Fly-In 20 �����������Florida BankPac Update 24 ��������������� Personal Transactions 26 ���������������������������������������Kudos 30 ��������������������� Upcoming Events 31 ������������������������� Did You Know? 31 ����������������Advertising Directory

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Florida Bankers Association asanchez@floridabankers.com Pamela Ricco Executive Vice President and Chief Operating Officer Florida Bankers Association pricco@floridabankers.com Brooke Harrison Publications Director Florida Bankers Association bharrison@floridabankers.com

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Bill Penney Chair Jose Cueto Chair-Elect

Fab Brumley Immediate Past Chair

Greg Nelson Second Immediate Past Chair

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On the Cover: CCB Community Bank Florida President Alan Wood and CEO Michael Andrews

Florida Bankers Association: The voice of Florida banking since 1888.

Photos by Michael Spooneybarger