AN ANNUAL PUBLICATION FROM UNITED BANK
OurSTORY2020AN ANNUAL PUBLICATION FROM UNITED BANKaccessunited.com
Artwork by Jade VaughnUnited Bank's annual employee softball tournament
TABLE OF CONTENTSBuilding Assurance for the Future - Payroll Protection Program. 8–15Building Business Leaders Through Mentoring.17Jonah’s on Johnston Pizzeria.21United Bank Fills Community Banking Niche in Newnan. 23Protecting Your Financial Information. 26Accept Payments with CLOVER Point of Sale Solutions. 28Building Dreams. 30Building Bright Futures. 33–37A Long-Term Approach in a Crisis, and Beyond. 39Robbie Tenney, We Salute You. 42Financial Highlights. 44
DEAR FRIENDS,United Bank’s annual Our Story publication typically focuses on thehighlights from the previous year and gives readers and shareholdersinsight into what’s to come. 2019 was indeed another great year forUnited Bank. We excelled in earnings, grew assets and our communities expanded. We’re grateful to our shareholders, our employees andcustomers for the support they’ve given us.For the last 12 years, we’ve prepared this annual publication to publish in Aprilfor distribution at our Shareholders’ meeting. We delayed our issue this yearbecause we wanted to address the recent events we’ve all shared. We wantedto celebrate how our teams have come together to serve our customers andcommunities in a time of great need and confusion.The year 2020 will be recorded as an unprecedented time filled with uncertaintyand anxiety throughout our nation. United Bank jumped in to work tirelesslyon behalf of our employees, customers and members of our communities amidstthe COVID-19 pandemic. Our investments in ITMs, mobile banking and digitalbanking tools made us well-prepared to deliver uninterrupted services, despitebank lobby closings and social distancing requirements.This issue of Our Story is inspired by the role we all have as builders; a rolewhich will become even more important after the pandemic as we work torebuild our businesses and communities. United Bank has overcome numerousperiods of uncertainty since our founding in 1905. Our experiences and thecontinued on next page
continued from previous pagethings we take away from times like these give us newappreciation for one another as well as new perspectiveson the way we live our lives and support our communities.Building on these new perspectives, our resilient employeeswill not only overcome this situation but also find ways tohelp our customers thrive in its wake.In the pages that follow, we share stories of how the actof building together benefits us all. We look forward tocelebrating brighter days within our communities andcreating new goals and milestones. It’s an honor to bebuilders alongside you. vS I N CE R E LY,Jim, John and Chris Edwards
HISTORY1905 Our first office opens in Zebulon as TheBank of Zebulon.1935The Bank of Zebulon becomes the 172ndmember of the Federal Deposit Insurance Corporation.1972 We establish Lamar State Bank in Barnesville.1981 UnitedBank Corporation is formed as aholding company for our subsidiary banks.1984 Lamar State Bank and The Bank of Zebulonchange their names to United Bank.1987 United Bank establishes a Mortgage Division.1990 United Bank purchases First Federal Savingsand Loan in Griffin.1996United Bank establishes a local CallCenter to offer full customer service by phonefrom 7am until 11pm, Monday through Saturday.1997 United Bank establishes the Investment andTrust Division to provide investment managementfor customers.2004United Bank expands into MorganCounty with a new banking office in Madison.2006 The shareholders of United Bank Corp.elect to convert to a Sub-Chapter S corporation.2007 United Bank expands into Newton Countywith a new banking office in Covington.2008 United Bank assumes the deposits of FirstGeorgia Community Bank, expanding into ButtsCounty and Henry County with offices in Jacksonand Locust Grove.2008 United Bank publishes its first Our Story,an annual magazine showcasing the financial reportof the previous year, along with features about ouremployees, customers and communities.
SINCE 19052009 United2014 United Bank merges with Monroe CountyBank assumes the deposits andloans of First Coweta Bank, expanding into CowetaCounty with an office in Newnan.Bank, adding new locations in downtown Forsythand Bolingbroke.20102016 UnitedUnited Bank assumes the deposits andloans of First National Bank of Barnesville.2011 United Bank purchases McIntosh FinancialServices, a subsidiary of McIntosh Bancshares, Inc.2012 United Bank launches the Endeavor CreditCard for consumers and businesses.2013 UnitedBank extends its Call Center toinclude Sundays, offering Seven-Day CustomerService, from 7am until 11pm.2013 United Bank installs its first Interactive TellerMachines (ITMs) in drive thru lanes, offering SevenDay banking, from 7am until 11pm, with video tellerslocated in its Zebulon Call Center.2013 United Bank launches its new Mobile Appsfor iPhone, Android and iPad with Mobile RemoteDeposits and Text Alerts.Bank assumes the deposits andloans of Woodbury Banking Company, expandinginto Meriwether County and acquiring a branch inWoodbury.2017 United Bank’s Trust & Investment divisionreaches a milestone of 500 million assets undermanagement, and is renamed United Bank’s WealthManagement Services.2019United Bank employees update the Missionand Belief statements, and define a formal CorporateSocial Responsibility position to capture the spiritof the Company and all we believe in as acorporate family.2019 United Bank expands its footprint in theNewnan community with a new office on Highway34 at Sullivan Road.
PAYROLL PROTECTION PROGRAMBuilding Assurance for the FutureOn March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed intolaw. As part of the nearly 2.2 trillion aid package to fight the COVID-19 pandemic, Congress designatedapproximately 349 billion for the creation of the Paycheck Protection Program (PPP). This programprovided payroll assistance for the nation’s nearly 30 million small businesses, and select nonprofits, inthe form of 100 percent guaranteed loans from the U.S. Small Business Administration (SBA). A secondround of funds was approved on April 24, with dollars still available to applicants as of this writing. DuringApril and May, United Bank employees processed over 1,300 loans totaling more than 110 million. Thesesmall business customers employ more than 15,000 employees throughout the state of Georgia. Thestories that follow are testaments to our commitment to our communities during these uncertain times.CHIEFMANUFACTURINGThomaston, Ga.Chief Manufacturing has beenin business since 1946. BillRudder (known as “Chief”)founded the company making wooden crates for thelocal peach farmers in Georgia. Thecompany continues to grow, evolvingits product line and operations to meetthe needs of the manufacturing industryas technology advances.Chief’s grandson Dan Fuller now holdsthe title of President and CEO, representing the third generation of family ownership. Dan’s mother, Chief’sdaughter Susan Hall, serves as Chairof the Board. Chief Manufacturing hastwo primary focuses: wire-bent andflat steel components for an array ofmanufacturing processes across manymarkets, and commercial cleaning supplies for multiple industries, includinghealthcare and education.The Impact to OperationsThe pandemic created hurdles as wellas opportunities for Chief Manufacturing. First efforts in late February wereto determine how to manage the safetyof their 40 employees. Fortunately forthe company, Dan’s wife Ashlee Fuller is8a registered nurse with past experiencein infectious disease management. Withthis knowledge, the management teamwas able to devise a plan to minimizethe potential spread of the virus in theChief facility.continued on next page
PAYROLL PROTECTION PROGRAMcontinued from previous page“Although our business is consideredessential under the federal guidelines,we concluded the safety of our employees was what was truly essential,”explained Dan.On April 3, they shut down productionand made the decision to lay off 95 percent of the Chief work force. “In the 74year history of the company, this hadnever been done before, and it was difficult. We informed our employees allwould be hired again when we deemedit safe to return to work.”“We’ve seen a surge in potential newbusiness from companies previouslyimporting similar products from China,” said Dan. “It’s our opinion that thepandemic is going to curtail importingfrom China for the next six-to-twelvemonths.”The Chief management team is alsostrategizing on how to develop newcleaning tools to meet the increased focus on workplace sanitization.Unemployment laws allowed for theChief employees to receive immediatecompensation while out of work, sothey could shelter at home and care fortheir families. The remaining team continued to communicate with customersand ship orders from stock each week.Embracing OpportunityChief Manufacturing reinstated its entireworkforce and resumed full operationson Monday, May 4. New protocols include mandatory face masks, gloves, andeyewear; mandatory six-foot distancingwith temperature checks before eachshift, and restructured break intervalsdividing work teams during those times.The company also made plans to beginhiring new employees in June.Given the pandemic and new cleaningprotocols across all industry, Chief hasseen a strong surge of orders for commercial cleaning tools. They’re positioning themselves for an increase in salesand anticipate business to be strong overthe next six months.Right: A workstation stands empty as Chief employees shelter inplace in their homes during the early weeks of April.9A Lifeline for Operations“From a financial standpoint, thefunds from the PPP program allowedus to meet our payroll when employeesreturned to work and cash flow waslimited as a result of the downtime. Wewere also able to pay our utilities withthe PPP loan, which is significant,”explained Dan. “The pandemic hascontinued on next page
PAYROLL PROTECTION PROGRAMcontinued from previous pageplaced a new importance and greaterdemand for cleaning in the market thatwe have not witnessed before. We believe Chief Manufacturing is positionedto grow business and employment overthe coming years.”Working with United Bank“We feel very fortunate to have alongstanding relationship with United Bank. Our existing SBA loan isthrough a much larger, nationally-branded bank. When the SBA initially started to offer the PPP funds,our first thought was to use the larger bank. Our payroll and the majorityof our banking today are with United,so we reached out to them as well. Itbecame apparent very quickly that thesize of a bank does not necessarily determine the competence of that bank orits people.It was an easy decision to work our PPPloan through United Bank and RyanTucker, its local President in Thomaston. The transaction was smooth andprofessional with daily updates on ourapplication status. The importance ofthis funding to our company duringthese extraordinary times can’t be underestimated.” vWASHINGTON ST.COMMUNITYCENTERCovington, Ga.The Washington StreetCommunity Center hasa long history in the cityof Covington, Ga. Thebuilding which housesthe Center originally served as a schoolfor African American children beforedesegregation. It was revitalized in1996 and converted into a non-profitorganization that provides after schooltutoring and activities for children inneed, emphasizing health, educationand welfare.Volunteers left to right, Louise Adams, Bea Jackson, Melvin Baker, LeKeyia Reid and Carolyn Hightower pose with United Bank’s DianeMcGoldrick (far right).Through the Center, children have access to resources they would not normally receive including tutoring, mealsand enrichment programs. These programs include music, gardening, cooking and Boy Scouts. They are led byvolunteers, including staff from EmoryUniversity. Teachers work with the children every day after school, five days aweek to make sure they stay on top oftheir academics and receive a hot meal.There are currently 43 children in theprogram, which goes through the fifthgrade. Over the lifetime of the program,the Center has served a diverse population of more than 3,500 youth and theirfamilies.“Many of the children we serve areraised by their grandparents,” saidLeKeyia Reid, President of the Board ofcontinued on next page10
PAYROLL PROTECTION PROGRAMcontinued from previous pagefound a way to provideextra virtual tutoringthree days a week, whichincluded language arts,science, math and history. Volunteers also hosted a virtual exercise classevery Friday and continued to conduct regularparent meetings.“The response was incredible,” saidReid. “Every single family showed upfor the snack drive each time. We knewwe had to stay in touch with these kidsto help them stay on the radar.” TheBoard and their team of volunteerswere determined to continue their mission, despite the pandemic.Without access to theCenter’s resources, manyof the children who participate in the programmissed out on the hotmeals they were used toreceiving on a regular basis. Quickly realizing theyBea Jackson shares warm stories of her interactions with the children.had to help fill the gap,Center volunteers steppedDirectors for the Washington St. Comin with bi-weekly snack drives to helpmunity Center. “The Center providesprovide the families with nutritiousthat extra level of support for them infood options they could pick up andmany aspects of their lives. It’s not onlytake home.instructional but also a comfort forboth the children and their families.”As an owner of her own private business, Reid knew that the Center couldbenefit from the SBA’s Paycheck Protection Program.Covering the BasesThe Center opted for a community-oriented banking partner, selecting UnitedBank to help with their PPP application. Even though the organization isprimarily volunteer-based, there are afew full-time employees, including thecontinued on next pagePandemic ComplicationsWhen COVID-19 hit, one of the mainissues facing the children who rely onthe Washington St. Community Centerwas access.“Because these kids lack resources athome, we were very concerned abouthow they would complete their work,”said Reid. “We contacted each familyindividually to figure out how we couldhelp the children work through theirvirtual learning obligations without being physically present in the Center.”While school was in session and throughnumerous volunteer hours, the CenterSnack pick up during the pandemic provided a needed connection as volunteers, parents and children shared encouragement with one another.11
PAYROLL PROTECTION PROGRAMcontinued from previous pageDirector, who needed to go into theCenter on a weekly basis to facilitatethe virtual learning opportunities forthe children, pay the utilities and organize the snack drives. Though theirfinancial requirements were not substantial, the money the Center appliedfor would make a big difference in theeveryday lives of the 43 program participants and their families.United Bank’s Diane McGoldrick processed the application, and the Washington Street Community Center wasapproved for funding within the secondgovernment stimulus package.“We are United Bank customers and weare a community-focused organization.We wanted to work with a bank weknew was also dedicated to giving backto the community,” said Reid. “TheA mural of children's artwork is proudly displayed in the Washington Street Community Center.process was smooth and the approvalwas fast. Now we can make sure thesekids don’t slip through the cracks.”Keeping Hope AliveWith the funding received through thePPP loan, the Washington St. Community Center continues to help childrenin need in Newton County. The Center is now planning a virtual summercamp as well as additional snack drivesand other activities that will providepositive reinforcement during the nextfew months. The dedicated volunteersand staff members are committed tothese children and hope to serve morein the future.“We knew we had something specialwith the Center, but this pandemichas cast a new light on the needs wemeet on a daily basis,” said Reid. “Tosee how it has affected these familiesis humbling, but with United Bank’shelp, we haven’t missed a beat.” vVolunteers await families for the snack pick up.12
PAYROLL PROTECTION PROGRAMAn Abrupt ChangeWith the onset of COVID-19, Teanill, Katie and Sabrina found their newrestaurant in unchartered waters. Busyweekends abruptly came to a halt asrestaurants were restricted to curbside-only service. The trio tried towork within the new regulations, butultimately the new structure didn’t fittheir format.“Things were changing every day for awhile,” explained Teanill. “We’re not a‘freezer’ kind of place. Everything weorder is fresh and with the new regulations in place, it was hard for us to evenknow what to order without waste.”Sabrina, Katie and Teanill share a glass of wine, just as they did the day they decided to embark on their entrepreneurial adventure.YAHOLA CREEKFlovilla, Ga.Yahola Creek restaurant isjust under two years old,but the owners’ friendly faces are well knownthroughout United Bank’sfootprint. Founders Teanill Burrow,Katie Conkle and Sabrina Bailey arerestaurant industry veterans with yearsof experience between them. When theyfound a place in Flovilla, Ga., close toIndian Springs, the three friends set outto make their dreams of owning and operating their own restaurant come true.“After a trillion prayers, a bunch ofencouragement from our family andfriends and many unavoidable positivesigns, we finally mustered up our courage and took a chance with YaholaCreek,” said Teanill.On March 13, Teanill, Katie and Sabrinamade the tough decision to stop employing a full-time staff.Right away, the ladies found themselvesextraordinarily busy, surpassing theirexpectations for a restaurant in a smalltown that was only open on the weekends. Their original plan to staff only10 people was altered two weeks afteropening as patrons from Griffin, Thomaston, Macon, McDonough, Jacksonand Forsyth made the drive to tiny Flovilla to enjoy great food in a relaxing,welcoming environment. Yahola Creek’sstaff quickly grew to 21 people, including the three founders, as the restaurantcontinued to see increased traffic.“It was heartbreaking,” explainedTeanill. “In our industry, it’s hard tokeep great people. We’ve been so luckybecause we’ve had so little turnover.Our employees are loyal, and we areloyal to them.”“We’re just so thrilled we’ve createda place where people want to come,”said Teanill. “It still takes my breathaway to see people come in to eat,laugh and just enjoy their time here, inour ‘house.’”Initially, Teanill, Katie and Sabrinadecided not to apply for the SBA Paycheck Protection Program. They werehesitant to apply for a loan when theywere not sure how they would pay itback under the COVID-19 circumstances. When they learned about theThe restaurant’s three founders startedpulling double shifts, doing everythingthey could to keep the doors open.When they heard about the SBA Paycheck Protection Program (PPP) theywere interested but also skeptical.SBA Loan: The First Attemptcontinued on next page13
PAYROLL PROTECTION PROGRAM
nited Bank’s annual Our Story publication typically focuses on the highlights from the previous year and gives readers and shareholders insight into what’s to come. 2019 was indeed another great year for United Bank. We excelled in earnings, grew assets and our communi-ties expanded. We’re grateful to our shareholders, our employees and
PACIFIC COAST HIGHWAY P.8 United States THE ETERNAL WEST P.14 United States ROUTE 66 P.22 United States THE BLUES HIGHWAY P.24 United States THE KEYS: FLORIDA FROM ISLAND TO ISLAND P.26 United States ROUTE 550: THE MILLION DOLLAR HIGHWAY P.34 United States HAWAII: THE ROAD TO HANA P.42 United States OTHER
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