<SEC-DOCUMENT>0001171843-19-004655.txt : 20190718
<SEC-HEADER>0001171843-19-004655.hdr.sgml : 20190718
<ACCEPTANCE-DATETIME>20190718161513
ACCESSION NUMBER:		0001171843-19-004655
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190718
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190718
DATE AS OF CHANGE:		20190718

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COLONY BANKCORP INC
		CENTRAL INDEX KEY:			0000711669
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				581492391
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-12436
		FILM NUMBER:		19961460

	BUSINESS ADDRESS:	
		STREET 1:		115 SOUTH GRANT STREET
		STREET 2:		.
		CITY:			FITZGERALD
		STATE:			GA
		ZIP:			31750
		BUSINESS PHONE:		229-426-6000

	MAIL ADDRESS:	
		STREET 1:		115 SOUTH GRANT STREET
		STREET 2:		.
		CITY:			FITZGERALD
		STATE:			GA
		ZIP:			31750
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_071819.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br /><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br /><strong>Washington, D.C. 20549</strong><br />_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br />_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--July 18, 2019-->July 18, 2019 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>COLONY BANKCORP, INC.</strong></font><br /><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Georgia</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>000-12436</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>58-1492391</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. 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 <p><font style="font-size:10pt; font-family:'times new roman';">&#160; &#160; &#160;On </font><font style="font-size:10pt; font-family:'times new roman';">July 18, 2019</font><font style="font-size:10pt; font-family:'times new roman';">, Colony Bankcorp issued a press release announcing its consolidated financial results for the second quarter ended June 30, 2019. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</font></p> </font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p align="justify" style="margin-left:0in; margin-right:0in;"><font style="font-size:10pt; font-family:'times new roman';">(d)&#160; Exhibits.</font></p> <table style="border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: bottom ; "><font style="font-size:10pt; font-family:'times new roman';"><u>Exhibit Number</u></font></td><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';">&#160;</font></td><td style="vertical-align: bottom ; "><font style="font-size:10pt; font-family:'times new roman';"><u>Description</u></font></td></tr><tr><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';">&#160;</font></td><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';">&#160;</font></td><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';">&#160;</font></td></tr><tr><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';"><font style="font-size:10pt; font-family:'times new roman';"><a href="exh_991.htm" rel="nofollow">99.1</a></font></font></td><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';">&#160;</font></td><td class="hugin"><font style="font-size:10pt; font-family:'times new roman';"><font style="font-size:10pt; font-family:'times new roman';"><a href="exh_991.htm" rel="nofollow">Press Release dated July 18, 2019 </a></font></font></td></tr></table></font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade" /><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>COLONY BANKCORP, INC.</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: July 18, 2019</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ Tracie Youngblood&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Tracie Youngblood</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Executive Vice President and  Chief Financial Officer</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p /></body></html>
</TEXT>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252" ><meta name="GENERATOR" content="MSHTML 8.00.7601.18094" ></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><font style="font-size: 14pt;"><strong>Colony Bankcorp Reports Second Quarter Results</strong></font></p><p style="text-align: center;"><strong>Company Declares Quarterly Cash Dividend of $0.075 Per Share</strong></p><p>
         <p align="justify">FITZGERALD, Ga., July  18, 2019  (GLOBE NEWSWIRE) -- Colony Bankcorp, Inc. (Nasdaq: CBAN) (&#8220;Colony&#8221; or the &#8220;Company&#8221;) today reported net income of $2.1 million or $0.23 per diluted share for the second quarter of 2019 compared with $3.1 million or $0.36 per diluted share for the same quarter last year. For the six months ended June 30, 2019, net income was $4.9 million or $0.56 per diluted share compared with $6.3 million or $0.72 per diluted share for the same period in the prior year.<br ></p>          <p align="justify">Results for the second quarter and six months ended June 30, 2019, included charges for acquisition-related expenses as well as gains on other real estate owned ("OREO") property held for sale. Excluding these and other less significant items in both periods, adjusted net income (a non-GAAP financial measure) for the second quarter and six months ended June 30, 2019, would have been $3.1&#160;million or $0.34 per diluted share and $6.0 million or $0.69 per diluted share, respectively, versus $3.1&#160;million or $0.36 per diluted share and $6.2 million or $0.72 per diluted share, respectively, for the second quarter and six months ended June 30, 2018. See the unaudited reconciliation of non-GAAP measures later in this release.</p>          <p align="justify">Separately, the Company also announced that the Board of Directors has declared a quarterly cash dividend of $0.075 per share, to be paid on its common stock on August 15, 2019, to shareholders of record as of the close of business on July 31, 2019. This continues the higher rate set in January 2019, an increase of 50%, which reflects the Board&#8217;s ongoing confidence in the Company&#8217;s strong earnings and capital position and the Company&#8217;s prospects for continued attractive growth.</p>          <p align="justify">Commenting on the announcement, Heath Fountain, President and Chief Executive Officer, said, &#8220;While our year-over-year net income for the second quarter of 2019 declined, these results do not demonstrate the work we have put in place for long-term growth and profitability. We have realigned our regional loan production structure and added new bankers to the team, which is reflected in our loan volume, and we recorded higher net interest income, on a comparable period basis. This growth was partially offset by an increase in noninterest expense, which included several charges of a nonoperating nature &#8211; acquisition-related expenses in the second quarter related to our purchases of LBC Bancshares, Inc. and PFB Mortgage and an impairment loss on assets held for sale &#8211; that obscure the stronger underlying organic growth. Our mortgage services division, which had losses primarily due to purchase accounting adjustments, lost $203 thousand and $183 thousand for the second quarter and year to date, respectively, versus income of $21 thousand and $51 thousand for last year&#8217;s second quarter and year to date, respectively, will be strengthened as a result of the PFB Mortgage acquisition.</p>          <p align="justify">&#8220;We have begun to see solid results from these initiatives to grow our loan volume. On an organic basis, excluding loans from acquisitions, core loans increased 3.8% over the same period last year and increased 4.3% from the prior quarter ending March 31, 2019. Further, we continue to expand our efforts to increase loan volume with the recent announcement of the start up of a Small Business Specialty Lending Group and the hiring of two veteran bankers to lead the group. This new unit will expand our participation in government guaranteed loans and expand our footprint into new markets, providing us with the opportunity to service new clients and drive additional fee income. <br ></p>          <p align="justify">&#8220;We continue to actively refine our management to strengthen and grow our organization,&#8221; continued Fountain. &#8220;Tracie Youngblood recently joined Colony as Chief Financial Officer, succeeding Terry L. Hester, who is retiring on December 31, 2019, after 42 years with the Company. I wish to thank Terry for all his tireless years of service and look forward to working with Tracie. Also, we realigned the roles of several of our regional executives and appointed M. Eddie Hoyle to the newly created position of Chief Banking Officer. We also promoted Edward Lee Bagwell to Executive Vice President, Chief Risk Officer and General Counsel, J. Stan Cook to Executive Vice President and Chief Credit Officer and hired Lance Whitley as Chief People Officer. These promotions and additions underscore our ongoing efforts to capitalize on our deep management expertise as well as recruit the best people to our growing organization. We look forward to the remainder of the year with a sense of confidence and optimism, supported by attractive business fundamentals, a strong loan production pipeline and the opportunity to welcome new customers.&#8221;</p>          <p align="justify"><strong>Capital</strong><br >Colony continues to maintain a strong capital position, with ratios that exceed regulatory minimums required to be classified as &#8220;well-capitalized.&#8221; At June 30, 2019, the Company&#8217;s tier one leverage ratio, tier one ratio, total risk-based capital ratio and common equity tier one capital ratio were 9.34%, 12.70%, 13.37% and 10.41%, respectively, compared with 10.17%, 14.87%, 15.74% and 12.02%, respectively, at June 30, 2018.</p>          <p align="justify"><strong>Net Interest Margin</strong><br >During the second quarter of 2019, the Company reported net interest income of $11.8 million compared with $10.2 million for the comparable 2018 quarter. For the six months ended June 30, 2019, net interest income was $22.2 million compared with $20.3 million for the comparable 2018 period. Net interest margin for the second quarter of 2019 was 3.57%, up 11 basis points on a sequential quarter basis and flat compared with the year-earlier quarter. Net interest margin for the six months ended June&#160;30, 2019, was 3.52%, reflecting a decrease of four basis points from 3.56% for the first half of 2018. Net interest margin, excluding purchase accounting from the acquisition of LBC Bancshares, Inc. was 3.51%, up five basis points on a sequential quarter basis.</p>          <p align="justify"><strong>Asset Quality</strong><br >Asset quality remained solid with continued improvement from a year ago. Substandard assets, which include non-performing assets, totaled $24.6 million at June 30, 2019, compared with $24.4 million at June 30, 2018. Substandard assets adjusted for SBA guarantees to tier one capital plus loan loss reserve ratio was 15.36% and 17.58% at June 30, 2019 and June 30, 2018, respectively. Non-performing assets increased to $11.6 million or 1.23% of total loans and OREO from $9.2 million or 1.20% at June&#160;30, 2018. OREO totaled $987 thousand at June 30, 2019, reflecting a 72.50% reduction from $3.6 million at June 30, 2018.</p>          <p align="justify">In the second quarter of 2019, the company had net loan recoveries of $21 thousand compared with net loan charge-offs of $353 thousand or 0.05% of average loans in the second quarter of 2018, while net loan charge-offs for the first half of 2019 were $797 thousand or 0.10% of average loans compared with $419 thousand or 0.05% of average loans for 2018. The loan loss reserve was $6.8 million or 0.73% of total loans on June 30, 2019, compared with $7.2 million or 0.93% of total loans at June 30, 2018. Loan loss reserve methodology resulted in a $178 thousand loan loss provision for the three months ended June&#160;30, 2019, compared with $44 thousand for the comparable 2018 period and a $310 thousand loan loss provision for the first half of 2019 compared with $70 thousand for the same comparable period in 2018.</p>          <p align="justify"><strong>Noninterest Income<br ></strong>Total noninterest income increased 33.12% to $6.3 million for the six months ended June 30, 2019, from $4.8 million in the comparable 2018 period. Gain on the sale of OREO property for the year increased $894 thousand and secondary mortgage fee income increased $356 thousand.</p>          <p align="justify"><strong>Noninterest Expense</strong><br >Total noninterest expense increased 28.61% to $22.0 million for the six months ended June 30, 2019, from $17.14 million in the comparable 2018 period. Salaries and employee benefit expenses increased 17.55%, occupancy expense increased 7.11% and other noninterest expense increased 58.15% from the 2018 comparable period. The efficiency ratio increased to 77.17% for the six months ended June&#160;30, 2019, from 68.63% in the comparable 2018 period. The increase is attributable to an increase in salary and benefits of 1.0 million connected with the Calumet merger and additional headcount with Colony Bank Mortgage, or 56.29% of the overall salary and benefit increase. Also, acquisition expenses increased noninterest expense by $2.1 million or 70.21% of the overall other noninterest expense increase. Accounting for non-GAAP items disclosed later in this release, the adjusted efficiency ratio would have been 71.90% and 69.07%, respectively, for the comparable periods.</p>          <p align="justify"><strong>About Colony Bankcorp</strong><br >Colony Bankcorp, Inc. is the bank holding company for Colony Bank. Founded in 1975 and headquartered in Fitzgerald, Georgia, Colony operates 29 full-service branches throughout Central, Southern and Coastal Georgia and a full-service website at www.colony.bank. The Bank also helps its customers achieve their goal of home ownership through Colony Bank Mortgage. Colony&#8217;s common stock is traded on the NASDAQ Global Market under the symbol CBAN. Follow the Company on Facebook or on Twitter @colony_bank.</p>          <p align="justify"><strong>Forward-Looking Statements</strong><br >Certain statements contained in the preceding release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the &#8220;Act&#8221;), notwithstanding that such statements are not specifically identified. In addition, certain statements may be contained in the Company&#8217;s future filings with the SEC, in press releases, and in oral and written statements made by or with the approval of the Company that are not statements of historical fact and constitute forward-looking statements within the meaning of the Act. Examples of forward-looking statements include, but are not limited to: (i) projections of revenues, income or loss, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other financial items; (ii) statement of plans and objectives of Colony Bankcorp, Inc. or its management or Board of Directors, including those relating to products or services; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements. Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;intends,&#8221; &#8220;targeted&#8221; and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.</p>          <p align="justify">Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties. Factors that might cause such differences include, but are not limited to: the Company&#8217;s ability to implement its various strategic initiatives; competitive pressures among financial institutions increasing significantly; economic conditions, either nationally or locally, in areas in which the Company conducts operations being less favorable than expected; interest rate risk; legislation or regulatory changes which adversely affect the ability of the consolidated Company to conduct business combinations or new operations; and risks related that the anticipated benefits from the transactions with LBC Bancshares, Inc. and PFB Mortgage are not realized in the time frame anticipated or at all as a result of changes in general economic and market conditions or other unexpected factors or events. These and other factors, risks and uncertainties could cause the actual results, performance or achievements of the Company to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements. Many of these factors are beyond the Company&#8217;s ability to control or predict.</p>          <p align="justify">Forward-looking statements speak only as of the date on which such statements are made. These forward-looking statements are based upon information presently known to the Company&#8217;s management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in the Company&#8217;s filings with the Securities and Exchange Commission, the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2018, under the captions &#8220;Forward-Looking Statements and Factors that Could Affect Future Results&#8221; and &#8220;Risk Factors&#8221; and in the Company&#8217;s quarterly reports on Form 10&#8209;Q and current reports on Form 8-K. The Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made, or to reflect the occurrence of unanticipated events. 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">100</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">85</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">15,097</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">-</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1</td></tr><tr><td style="vertical-align: middle; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,230</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">1,588</td></tr><tr><td style="vertical-align: bottom ; ">Net Income</td><td style="padding-right: 0 ; border-bottom: double black 3pt ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 2,101</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: double black 3pt ; 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border-collapse:collapse !important;;border-collapse: collapse; "><tr><td rowspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="7" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>Three Months Ended<br >June 30,</strong></td><td style="text-align: center ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="7" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>Six Months Ended</strong><br ><strong>June 30,</strong></td></tr><tr><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; "><strong>2019</strong></td><td style="padding-left: 0 ; border-bottom: solid black 1pt ; 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Heath Fountain<br >President &amp; Chief Executive Officer<br >(229) 426-6000 (Ext 6012)</p> </p><p ></p></body></html>
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