May 5, 2014 www.bankersdigest.com Volume 144, No. 17 Witherspoon Appointed Jones Selected Bankers to Arvest OK City President S & ML Commissioner Gather in Catoosa, OK Arvest Bank tapped Ron Witherspoon The Finance Commission of Texas has The Oklahoma Bankers Association as Oklahoma City president. He will announced that Caroline C. Jones has 2014 Convention & Trade Show is set report to Bradley been selected the for May 14-16 at the Hard Rock Hotel Krieger, OK chair- Texas Department and Casino in Catoosa. The theme man for Greater of Savings and for this year's fete is "Oklahoma...Our Oklahoma City Mortgage Lend- Community." and EVP and re- ing’s Commission- Activities begin on Wednesday, May gional manager er, effective June 1, 14, with an afternoon golf tournament for KS. 2014. She will be at the Cherokee Hills Golf Course at Witherspoon is the ninth person to the Casino site. a 16-year Arvest serve in this posi- The convention business officially employee, having Witherspoon tion. Jones begins on Thursday morning with an joined the bank Jones succeeds opening general session featuring re- in Tulsa as a management trainee in Douglas B. Foster who has served 29 marks by author and executive coach 1997. He most recently served as EVP years with the department, the last sev- Jay Wilkinson. The association’s lunch and sales manager for Arvest in Little en as Commissioner. He will be retiring and annual business meeting will Rock since 2001. from public service in August. feature speaker ABA President/CEO He is returning to the Sooner State Jones is currently deputy commis- Frank Keating, offering the ABA Up- where he served as marketing director sioner/general counsel of the depart- date. The agenda also includes morn- for Arvest in Tulsa. He graduated from ment. She has served with the depart- ing and afternoon breakout sessions the University of Arkansas in 1995 and ment for six years. She also serves on and an afternoon trade show event earned a graduate degree from the the board for the American Council of and evening reception. Graduate School of Banking at LSU Q State Savings Supervisors Q Friday morning’s general session activities include keynote speakers offering remarks: Kansas City Fed Arkansas Bankers to Convene in Little Rock President Esther L. George on “U.S. The 124th Annual Arkansas Bankers As- financial services consultantDavid Economy and Banking” and FDIC Vice sociation Convention and Trade Show Kemp, technologist Gary Lewis, and Chairman Tom Hoenig on “Defining is scheduled for May 14-16 at the Little financial services industry guruBert the Next Century of Banking” Q Rock Marriott & Statehouse Conven- Ely. The evening activities include the Please route this issue: tion Center in downtown Little Rock. chairman’s reception and the annual The convention, theme “Shining a banquet and installation of officers. Light on the Future of Banking,” will Friday’s actitivies begin with the feature session topics: the “Farm Credit 56th Annual Simmons Bank Strawber- System,” “Market Opportunities,” and ry Breakfast. The Day with the Com- In This Issue... the “Future of Community Banking.” missioner follows, hosted by Bank Commerce Street Capital Activities begin on Wednesday, Commissioner Candace A. Franks Conference Addresses Merger May 14, with a morning golf tourna- who will speak on condition of AR Possibilities and Growth Strategies ment at the Eagle Hill Golf Club in banking. Other speakers on the agen- southwest Little Rock, followed by an da: Fed economist William R. Em- Feature...... 3 opening reception and silent auction. mons, FDIC’s Mark Pearce, and St. The association annual business Louis Fed President James Bullard. Charter Activity...... 9 session is set for Thursday morn- Also invited to offer remarks before Classified...... 10 ing. Speakers on the agenda include closing is AR Gov. Mike Beebe Q Published weekly on Mondays except fifth Mondays p E o p l E TEXAS Fowler Joins MidSouth Bank as City President Goff and Krouse Join BBVA Compass in Corpus Christi MidSouth Bank, N. A., has hired Kevin wall and Greenville markets, where Fowler as city president for its Rock- the bank currently operates one bank- BBVA Compass has hired two relation- ing center in each ship managers for its Corpus Christi city. offi ces to assist commercial custom- Fowler, who has ers with banking needs. 27 years of bank- Che Goff joined as a corporate re- ing experience, lationship manager after more than 13 most recently years in the banking industry, primarily served as SVP focused on working with commercial and commercial and industrial businesses. He earned loan offi cer at City bachelor’s and master’s degrees from Bank Texas in For- Texas A&M University, Corpus Christi. Fowler joined as a corporate ney. Before that Jerret Krouse relationship manager after nearly a he served at Spirit decade in the banking industry, work- of Texas Bank and Rockwall Banc- ing his way up from teller. He also shares (which merged into Spirit of earned both bachelor’s and master’s Texas Bank in March 2012). He began degrees at Texas A&M University, Cor- his banking career in 1987 as an asso- pus Christi ciate national bank examiner with the Q OCC in Austin. Regions Ups Watkins to In 2005, he graduated as valedicto- Austin C&I Sales Manager rian from the Southwestern Graduate James Watkins has been promoted to School of Banking at SMU. In 1987 , he Austin C&I sales manager for Regions earned a BSBA degree in fi nance from Bank. He joined Regions in Austin in LSU. 2010 as SVP/relationship manager and Active in the local community, he was named Austin C&I team leader in is past chairman and past Director of 2013. He previously served in Austin the Year for the Rockwall Chamber with Comerica Bank and JPMorgan of Commerce, past president of the Chase. He holds a BBA degree from Rockwall Rotary Club, and was chair- the University of Mississippi, an MBA man of the Rockwall Economic Devel- degree from the University of Ala- opment Corporation in 2013 Q bama, and is a graduate of SWGSB Q ankers igest® B Established D 1942 A Weekly Bank News Magazine (USPS 041180) Published weekly on Monday except fi fth Mondays at 9516 Bill Browne Lane, Dallas, Texas 75243 Copyright 2014 Bankers Digest® BONNIE JAMISON BLACKMAN, Publisher/Editor R. GILBERT BLACKMAN JR., Managing Editor P. O. BOX 743006 Dallas, Texas 75374-3006 Phone 214/221-4544 Fax 214/221-4546 E-mail: [email protected] website: www.bankersdigest.com One year subscription rate: Print $37.00, Online $26.00; Both $50.00. Single copy $1.00 Opinions expressed by writers of bylined articles are not necessarily those of Bankers Digest. We make no representations or war- ranties for information, products, or services contained in any advertisement in this maga- zine or on our website. Editorial guidelines may be obtained upon request. Articles and photos may be submitted to above address. Periodical postage paid at Dallas, Texas POSTMASTER: Send address changes to Bankers Digest®, P.O. Box 743006, Dallas, Texas 75374--3006

Page 2 BANKERS DIGEST May 5, 2014 F E A T U R E GROWTH STRATEGIES Lee advised bankers shareholders’ pressure to improve the bank’s performance relative to its cost Conference Addresses to decide as soon as of capital. Merger Possibilities possible whether they Lee added, “Many bank boards are wondering how much better the valu- as well as would fare better as a ations can get and are concerned they Growth Strategies seller or buyer because may miss the window of opportunity to buy or sell.” Source: that key decision will Providing an overview of capital Commerce Street Capital, LLC inform almost all other markets and the banking industry, Dallas, Texas CSC President/CEO Dory Wiley ob- www.commercestreetcapital.com business decisions they served, “Valuations of banks have make. (continued on Page 8) More than 250 regional BD and commu- nity bankers convened in FEATURE Irving, TX, on April 22, 2014, at Commerce Street Capital’s (“CSC”) 12th Annual Banking Confer- ence, looking for answers to their con- cerns that “business as usual” strate- gies are unlikely to produce satisfying results in an environment of low in- terest rates, daunting regulatory over- sight, and active mergers and acquisi- tions. CSC Chairman William D. “Tex” Gross welcomed bankers saying, “There must be lots of bankers inter- ested in learning about the future be- cause this is our biggest attendance in 12 years.” Gross offered a memo- rial tribute to his former partner since 1994, James B. “Jim” Gardner, who died in November 2013. C.K. Lee, managing director of the Financial Institutions Group at CSC noted that, despite uncertainty over regulations, “the percentage of banks which engaged in M&A during 2013 was very close to the pre-2008 level. Lee advised banks to decide as soon as possible whether they would fare better as a seller or buyer be- cause that key decision will inform almost all other business decisions they make. “One of the main drivers of ac- quiring banks is the need to deploy capital,” Lee observed. “For sellers, primary reasons to sell are succession planning or regulatory pressures.” Key factors on the sell side are the age of managers and directors and lack of succession; regulatory pres- sures and associated expenses; and

May 5, 2014 BANKERS DIGEST Page 3 p e o p l e TEXAS Olson Upped to SVP, Olander Hired to Lead Kolle and Knebel Named Business Banking Group First Tennessee The First State Bank in Victoria Bank of Texas, N. A., in Houston has re- The Memphis, TN-based First Ten- The First State Bank of Louise, a ported the promotion of Erik Olson to nessee bank, a unit of First Horizon 58-year-old independently-owned senior vice presi- National Corp., recently hired veteran community bank based in Wharton dent and manager, Houston banker County, recently opened a full-service Business Banking Gary Olander branch at 5101 John Stockbauer Dr. Group. He will to open its first in Victoria. The bank branch officially help lead the ef- branch in Hous- opened in March after receiving regu- forts in Houston, ton, the company latory approval from the Texas Depart- while maintain- told the Houston ment of Banking. Previously, the bank ing his focus on Business Journal. had operated a loan production office expanding the Olander recently at the Stockbauer Dr. location since October 2013. Olson Business Banking served as Houston Two senior lending officers with team in the Hous- Olander CEO of Sovereign ton market. Bank, Dallas. Be- nearly 20 years of combined lending A 14-year banker, Olson joined Bank fore that, he was TX regional presi- experience - Clay Kolle and Tony L. of Texas in 2011 as vice president and dent for Whitney Bank and executive Knebel - manage the lending and op- relationship manager, responsible for vice president of real estate banking erations of the Victoria branch, which for medium-sized business clients for BBVA Compass. is on the northeast side near the with revenues from $5 million to $25 Olander is currently working out of Crossroads Mall. million. Prior to Bank of Texas, he temporary offices, he told theHouston Kolle, senior vice president and served at BBVA Compass and served Business Journal, but is actively looking branch manager, has served almost nine years at JPMorgan Chase Bank. to open the bank’s first branch in the eight years of his banking career with He earned a BBA degree in finance Galleria or Greenway Plaza area in the The First State Bank, most recently from the University of North Texas next few months as senior vice president and branch Q Q manager in Ganado. He began his service with the bank in Louise but is originally from the Victoria area. Knebel, also a senior vice president and lender, is new to The First State Bank. He has served as a lender for nearly 12 years in the Victoria mar- ket, most recently with First Victoria National Bank and earlier with Wells Fargo Bank. Kolle told Bankers Digest The First State’s Victoria office will offer a vari- ety of loan products, including farm and ranch, business, commercial real estate, and residential mortgages. He said the Victoria market offers the bank growth opportunities for loans and deposits. The bank had an exist- ing foothold in the market since its Ganado branch in adjacent Jackson County is about 40 miles from Vic- toria. After the recent merger of First Victoria National Bank with Prosperity Bank, opportunities for new business development and to employ banker talent became available. The First State Bank, as of Decem- ber 31, 2013, reported total assets of $332 million, total loans of $192 mil- lion, and total deposits of $305 mil- lion, according to the FDIC Q Page 4 BANKERS DIGEST May 5, 2014 p E o p l E TEXAS oKlAHoMA Mason Bank CEO Canfi eld Prosperity Bank Senior Chairman Russell Edwin Swarts Jr. Dies Joins IBAT Services Board Businessman, attorney, civic leader permark Bank in Oklahoma City. He The Independent Bankers Associa- and 50-year banker Russell Edwin was elected chairman of the board of tion of Texas in Austin has announced Swarts Jr. died on April 15 at the age directors where he served for 41 years. that Thom Canfi eld, president/CEO of 84 after strug- He also served on the boards for the of Mason Bank in gling with cancer. First National Bank, Mangum; the Mason, was re- At the time of his First National Bank, Mountain View; cently elected to death he was serv- and First National Bank, Yukon. In the board of direc- ing as senior chair- 2013, Coppermark Bank was merged tors for IBAT Ser- man, Central Okla- into Houston, TX-based, Prosperity vices Inc. homa Region for Bank. Swarts was an active participant As a member of Prosperity Bank. in the merger process. the IBAT Services According to his Well known in the community, board of directors, obituary, Swarts Swarts Swarts was an early trustee of Heri- Canfi eld joins a Canfi eld was born near tage Hall and was active in acquiring select group of TX Carnegie, OK, on the land that comprises most of the community bankers charged with rec- March 23, 1930. He earned BBA and JD school’s campus today. He has been ommending products and services for degrees from the University of Okla- a member of the boards for both the endorsement by IBAT. homa. After service in the US Air Force Canfi eld has served with Mason during the Korean War, he began a ca- Metropolitan and North side YMCA, Bank since 1992 and as president/CEO reer in the oil and gas industry, part- Epworth Villa, and the Canterbury since 2003. He is an active member of nering in Star Oil Company, which op- Choral Society. He was a member of the Mason Lions Club and serves as erated Fina Gas Stations. In 1963, he the Economic Club of Oklahoma, the the treasurer of the Odeon Preserva- was an organizing director and origi- English Speaking Union, and a 59- tion Association of Mason Q nal author of the charter of Guaranty year member of the Oklahoma Bar As- National Bank, later known as Cop- sociation Q ARKANSAS Regions Bank Welcomes Pruitt as Greenbrier Manager Regions Bank welcomes Maria Pruitt access as its new branch manager in Green- experience brier. She recently joined the bank as an assistant vice president at the 48 S. Broadview location. Pruitt has a back- ground in global sales, as well as in fi - nance. She is a resident of Conway Q

ARIZoNA BKD National Financial Services Group Davis, Langston, Ditmar Join First Internet Bank 1:5 PARTNER TO STAFF First Internet Bank, Indianapolis, IN, When you work with BKD National Financial Services Group, expect has hired Scott Davis as its new re- attention from partners and managers you’ll see and hear from regularly. gional vice president to lead its ex- With a partner-to-staff ratio lower than the average found in other pansion of its C&I lending services national firms,our advisors take a genuine interest in you and your into the Southwest. Also joining are institution. Experience how our commitment can help take your business Mitch Langston, vice president, and to the next level. Learn more at bkd.com. Carol Ditmar, commercial banking coordinator. Debbie Scanlon // Houston Doug Van Meter // Oklahoma City Davis has over 35 years of experi- 713.499.4600 405.606.2580 ence in commercial lending, in C&I as Jon McDowell // well as commercial real estate (CRE) 210.341.9400 lending with national, super-regional, and regional institutions Q May 5, 2014 BANKERS DIGEST Page 5 p E o p l E oKlAHoMA loUISIANA Haskin & Hall Appointed to Birch Joins First National Madrid Joins Citizens Bank Fed’s Oklahoma City Bh Bd B&T, Shawnee, as Vice Pres Bossier City as VP/Compliance First Bethany Bank & Trust, Bethany, First National Bank & Trust Co., Shaw- Woody Schick, president/CEO of Citi- President/CEO Jane Haskin and Ex- nee, has appointed Kathy Birch vice zens National Bank, Bossier City, has change Bank & Trust Co., Perry, Chair- president and retail operations offi cer. announced that David Madrid has man/CEO Charles Hall have been ap- Birch has more than 30 years of joined as vice president and compli- pointed to the Federal Reserve Bank banking experience. She most recent- ance offi cer. of Kansas City’s Oklahoma City Branch ly served as a vice president and cen- He most recently served as compli- board of directors. tral market manager for First Fidelity ance offi cer with Citizens 1st Bank at Their three-year terms began Janu- Bank, N. A., in Oklahoma City Q the Nacogdoches Banking Center. He ary 1, 2014, and will run through De- holds Certifi ed Anti-Money Launder- cember 31, 2016. Hall is third generation of a bank- ing (CAMS) and Certifi ed Regulatory Haskin has over 35 years of bank- ing family, the legacy of which spans Compliance Manager (CRCM) creden- ing experience, serving the past eight over 130 years. He joined Exchange tials. He earned a BBA degree in man- years at First Bethany Bank. She is Bank after serving as director of gov- agement from Stephen F. Austin State a CPA and a member of the FDIC’s ernment relations for the Oklahoma University in 2002. Community Bank Advisory Council in Bankers Association from 1991 to He has been a leader in his com- Washington, DC. 1994 Q munity, serving with the Nacogdo- ches County Chamber of Commerce, Nacogdoches Jaycees, United Way, American Cancer Society, Rotary Club, and others. He currently serves on the board for the Stephen F. Austin State University Alumni Association as the chairman of the operations committee Q

Fed Reappoints IBERIABANK’s Ardoin to NO Branch Board Elizabeth A. Ardoin, senior executive vice president and director of com- munications, IBERIABANK, Lafayette, has been reappointed to the board of directors for the Federal Reserve Bank of Atlanta’s New Orleans Branch. Her term began January 1, 2014, and runs through December 31, 2016. Terrie P. Sterling, executive vice president and COO of Our Lady of the Lake Regional Medical Center, Baton Rouge, has also been reappointed to New Orleans Branch board. Sterling, whose term began January 1, 2014, and runs through December 31, 2016, will serve as chair of the New Orleans Branch in 2014. Suzanne T. Mestayer, managing principal of ThirtyNorth Investments, LLC, New Orleans, and Phillip R. May, president/CEO, Entergy Loui- siana, LLC, and Entergy Gulf States Louisiana, L.L.C., New Orleans, have been appointed to the board of direc- tors for New Orleans Branch. They are serving unexpired terms that began November 7, 2013, and run through December 31, 2015 Q Page 6 BANKERS DIGEST May 5, 2014 N E W S W A T C H ARIZONA TEXAS Washington Federal Set to Prosperity Bancshares Completes Merger with Tulsa Bank Close on BofA Branch Buy Prosperity Bancshares Inc.® (“Pros- ing shares of FMBC capital stock. Washington Federal Inc. is set to perity”), Houston, the parent com- Anthony Davis, chairman/CEO of close on its acquisition of 23 Bank of pany of Prosperity Bank®, El Campo, FMBC, will serve the combined en- America branches as this issue goes announced the completion of the tity as chairman – Tulsa area and to press. The bank has been awaiting merger of F&M Bancorporation Inc. Turtle Creek Banking Center and will regulatory approval from the OCC. (“FMBC”) with and into Prosperity and be responsible for the day-to-day op- The Seattle-based Washington Fed- the merger of FMBC’s wholly-owned erations and management of all Tulsa eral plans to acquire 10 branches in subsidiary, The F&M Bank & Trust locations and the former F&M Bank AZ and 13 in NV and transition those Company (“F&M Bank”), both of Tulsa, Turtle Creek location in Dallas. He branches over the weekend of May OK, with and into Prosperity Bank, all will also join the board of directors for 2-5, according to a recent article by effective on April 1. Prosperity Bank. Ted Lake in the Globe, AZ, newspaper F&M Bank operated 13 banking Eric Davis, president of FMBC, will website for Arizona Silver Belt. offices: nine in Tulsa and surround- serve as vice chairman – Tulsa Area According to previously published ing areas, a loan production office in and Turtle Creek Banking Center and reports, Washington Federal expects Oklahoma City, and three in Dallas. will have management responsibili- to receive approximately $610 mil- As of December 31, 2013, FMBC, on ties for Prosperity’s Tulsa area and the lion in deposits, $4 million in loans, a consolidated basis, reported total Turtle Creek location. and 41 ATMs in the deal. Washington assets of $2.568 billion, total loans of Jeff Pickryl, president of F&M Bank, Federal is expected to pay 1.30% of $1.757 billion, and total deposits of will become president– Tulsa Area deposits at closing. $2.332 billion. and Turtle Creek Banking Center and The AZ branches included in the Under the terms of the definitive will be responsible for lending in the deal are in the following locations: agreement, Prosperity issued approxi- Tulsa Area and for the lenders at the Benson, Bisbee, Douglas, Globe, No- mately 3,298,246 shares of Prosper- Turtle Creek location. gales, Parker, Payson, Safford, Show ity common stock plus approximately The F&M Bank operational integra- Low, and Yuma Q $34.24 million in cash for all outstand- tion is expected to take place in June Q

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May 5, 2014 BANKERS DIGEST Page 7 F E A T U R E N E W S W A T C H CSC Conference (continued from Page 3) Panelist Al Jones, chairman/CEO ARKANSAS strengthened signifi cantly in the last of American Bank in Corpus Christi, two years, and the market is now re- TX, said that key strategies leading to Home BancShares Inc. and warding banks for being acquirers.” the recent success of his $1.25 billion Florida Traditions Ink Deal bank include aggressive growth of its “Large banks continue to outpace Home BancShares Inc. (“Home”), portfolio of mid-sized commercial and community banks in valuation, but parent company of Centennial Bank industrial loans and also expansion banks with footprints in Texas and (“Centennial”), both of Conway, and contiguous states are generally very into the new markets of South TX and Austin. He said his bank has expanded Florida Traditions Bank (“Traditions”), desirable to acquirers,” Wiley added. announced April 25 the signing of a Wiley advised bankers to “work through the use of technology rather defi nitive agreement for the Home’s hard to understand your interest rate than through bricks and mortar. previously announced $43 million risk, evaluate your bond portfolios Robert Weiss, chairman and presi- stock acquisition of Traditions. with an eye to reducing dent/CEO of Beacon Home BancShares Chairman John- risk, strengthen your Bank in Minneapolis, ny Allison announced on April 18 at loan portfolios, and MN, pointed to the im- the annual shareholders meeting that raise capital now.” portance of his bank’s a deal to acquire Traditions was in the Wiley warned against culture of training, pro- the “melting ice cube” fessional development, works. He said the company expects scenario he sees in the and comprehensive to close the deal in late third quarter. market. He said these strategic planning as According to previous reports, Tra- Dr. Bob McTeer, Rep. Pete Sessions, the key driver of per- ditions operates eight banking loca- banks’ franchise val- and CSC CEO Dory Wiley ues are declining from formance of his $340 tions in central FL, including its main minimum or negative growth and more million institution. Training, both offi ce in Dade City, which is a suburb risks than owners, directors, and man- internal sales training and external of the Tampa Bay area. As of March agers realize. While the bank maybe banking schools and conferences, 31, 2014, Traditions had about $312 be profi table, the “status quo” is a very have given his bank an advantage in million in total assets, $249 million in risky position for bankers to take. attracting and keeping banker talent. total loans, and $279 million in total Scott MacDonald, Ph.D, presi- Dewey Bryant, CEO of Odessa, deposits. dent/CEO of the SWGSB Foundation TX-based SouthWest Bank, attrib- Additional information regarding at SMU, moderated a panel with the uted his bank’s success not only to the acquisition has been provided in a topic, “Growth Strategies for Commu- the good fortune of being located in supplemental presentation available nity Banks.” “Every bank must shape its the “oil patch,” but also to a manage- on Home’s website at www.homebanc- own successful strategy,” he said; “there ment team, including bank directors, shares.com, under the “Investor Rela- is not a ‘one size fi ts all’ business plan.” who have worked together for 20 years tions” section. His panelists proved the point, telling and understand their customers and Centennial Bank, has locations in their individual success stories. (continued on Page 12) AR, FL, and South AL Q BANK FAIlURES Do You Own Your ATMs Outsource ATM handles all the SC Bank Fails; Total YTD 6 or Do They Own You? work, while you reap the benefits. Allendale County Bank, Fairfax, SC, The smart way to get the most was closed April 25 by the South Caro- out of your ATM network. lina State Board of Financial Institu- tions, which appointed the Federal Deposit Insurance Corporation (FDIC) receiver. The FDIC entered into a P&A agreement with Palmetto State Bank, Hampton, SC, to assume all of the deposits and to purchase essentially all of the assets. The fi ve branches of Allendale County Bank will reopen as Bottom-line Value in Own the Benefits, branches of Palmetto State Bank dur- Not the Hardware. ATM Outsourcing. ing their normal business hours. As of www.outsourceatm.com December 31, 2013, Allendale County Bank had approximately $54.5 million Contact us today, 281.304.2204 [email protected] in total assets and $51.0 million in total deposits. The failure is the sixth FDIC-insured institution to fail in the nation in 2014 and the fi rst in SC Q

Page 8 BANKERS DIGEST May 5, 2014 R E G U L A T O R S Bank, Gulfport, and to establish the an application by Heritage Bank, existing offices of Whitney Bank as Pearland, to acquire by merger Nixon C h a r t e r branches of the resultant bank. State Bank, Nixon, and to establish Oklahoma branches at 200 N. Nixon Ave., Nixon, MERGERS AND ACQUISITIONS and 13809 W. Hwy. 87, La Vernia.The a c t i v i t y The FRB OF KANSAS CITY has TXDB has received an application for received a change-in-control noti- this merger. Arkansas fication by the FLH Financial Ser- The FRB OF DALLAS has received CHARTERS vices Trust, Leedey; and its trustees: a notice by Clinton D. Dunn, Dallas, The FEDERAL RESERVE BANK OF Frank Harrel, LaTricia Harrel, both of to control 100% of the shares of G-6 ST. LOUIS has received an applica- Leedey; Brent Harrel, Elk City; and Corporation, Mesquite, and indirectly, tion by Benefit Financial Group, Inc., Kalee Carpenter, Leedey; to become First State Bank, Mesquite. Fort Smith, to become a bank hold- part of the Harrel Family control The FRB OF DALLAS has received ing company through the conversion group, and Brent Harrel as trustee of an application by First Bells Bank- of its wholly owned subsidiary bank, the voting agreement, to acquire con- shares Inc., Bells, to acquire 100% of trol of Western Oklahoma Bancshares, Benefit Bank, Fort Smith, from a fed- Cendera Funding Inc., Fort Worth, and parent of Bank of Western Oklahoma, thereby engage in extending credit eral savings bank to a state chartered both in Elk City. and servicing loans. non-member bank. Texas The FRB OF DALLAS has received Louisiana BRANCHES an application by Fi- BRANCHES The FRB OF DALLAS has received nancial Corp., Cameron, to acquire The OFFICE OF FINANCIAL IN- an application by United Texas Bank, 100% of Citcamco Incorporated and STITUTIONS has filed an application Dallas, for a branch at 13101 Preston indirectly, Peoples Finance Company, by Investar Bank, Baton Rouge, for a Rd., Ste.100, Dallas. both of Cameron, and thereby en- branch at 18101 Highland Market Dr., The TEXAS DEPARTMENT OF gage in extending credit and servicing Baton Rouge. BANKING has received an applica- loans. The OFI has filed/approved an ap- tion by United Texas Bank, Dallas, for The FRB OF DALLAS has received plication by JD Bank, Jennings, for a a branch at 13101 Preston Rd., Ste. an application by Hillister Enterpris- branch at 1511 Sampson St., Westlake. 100, Dallas. es, II, Inc.; Umphrey II Family Limited The OFI has approved an applica- The TXDB has received an applica- Partnership, both of Beaumont, and tion by IBERIABANK, Lafayette, for a tion by First State Bank, Graham, for a CBFH Inc., Orange, to acquire MC branch at the corner of Beltway 8 and branch at 103 E. Main St., Olney. Bancshares Inc., Houston, and there- West Road, Houston, TX. The TXDB has received an appli- fore indirectly, Memorial City Bank, The OFI has approved an applica- cation by First Bank, Burkburnett, for Houston. tion by Washington State Bank, Wash- LPO and DPO at 4150 International The TXDB has reported the merger ington, for a branch at 1042 Camellia Plaza, Ste. 600, Fort Worth. of Bank of Houston, Houston, with Blvd., Ste. 9, Lafayette. MERGERS AND ACQUISITIONS and into Independent Bank, McKin- The FRB OF DALLAS has received The OFI has approved an application ney, was effective April 15 Q by Tri-Parsh Bank, Eunice, for a branch at 751 Albertson Pkwy., Broussard. The OFI has approved an applica- Heflin Building Systems, LP tion by Community First Bank, New “Providing your every construction need” Iberia, for a branch at 202 S. Main St., Loreauville. The OFI has approved an appli- 8 cation by Delta Bank, Vidalia, for a Innovative branch at 507 John R. Junkin Dr., Ste. 8 Experienced C, Natchez, MS. 8 MERGERS AND ACQUISITIONS Professional The OFI has approved a proposed merger of Ouachita Bancshares Corp., Call us today! Monroe, with and into BancorpSouth Inc., Tupelo, MS, and immediately 817-460-0100 thereafter, merge Ouachita Indepen- dent Bank, Monroe, with and into BancorpSouth Bank, Tupelo. We offer Permanent or Temporary Buildings of any style construction with The OFI has approved a proposed competitive pricing and complimentary marketing packages that include merger of Whitney Bank, New Orleans, Site Plan, Floor Plan, Elevations and 3D Computer Renderings to ensure your complete satisfaction. with and into Hancock Bank, Gulfport, 2305 Roosevelt Drive, Suite D Arlington, Texas 76016 MS, under the charter of Hancock fax (817)460-0111 www.heflinbuildings.com Bank and with the title of Whitney

May 5, 2014 BANKERS DIGEST Page 9 C L A S S I F I E D LENDING OFFICER. Tired of your bank getting in your way? B a n k e r s D i g e s t Tired of irrational banking policy and bureaucracy? Are you ready HOW TO CONTACT US to make good quality loans to your good customers? Are you Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dallas, TX ready for your employer to be 75374-3006. Fax: 214/221-4546. Phone: 214/221-4544. part of the solution rather than email: [email protected] the problem? If you live in the Dallas/Ft Worth area or North- , we might be able to Advertising rates are $45.00 for the first 30 words;$10.00 for each additional 10 words help. Excellent opportunity with per insertion. Ads which use a Bankers Digest box number for forwarding responses will great benefits. Please send your be charged $5.00 additional per insertion for postage and handling. Ads run on Bankers resume and cover letter to bank- Digest website for the duration of the advertising agreement at no additional charge. ers [email protected], Only Principals will be assigned box numbers. Responses to Bankers Digest boxes are subject line Box F-1. forwarded twice weekly. Advertising deadline is Monday noon for following Monday’s publication. Bankers Digest makes no representations or warranties for information, Commercial State Bank is seek- products, or services contained in any advertisement herein or on our website. ing a Credit Analyst to be lo- cated in its Humble Office. The OK. Progressive bank. Great ca- candidate would ideally have a POSITIONS AVAILABLE reer opportunity. Call Elizabeth minimum of 2 years in banking at 214-823-9999 x309 or send re- and a college degree in finance MARKET PRESIDENT FOR or equivalent. Please e-mail your . Must have oper- sume to [email protected], www.babich.com. resume to karen.mermingas@ ations and lending experience. csbec.com or mail Commercial Will consider someone out of the area. Send resume to Sharon@ LONE STAR SEARCH: Executive babich.com or call 972-802- Search and Placement for South- 7638 or 469-223-9885 for addi- west Banks and Bankers. Mark tional information. Mitchell, 972-335-9009, www. lonestarsearch.net. COO/Sr. Banking Opera- Your Source For Banking tions. Small community bank $400M independent community Human Resources Assistance is looking to expand its manage- bank in East Texas has an open- ment team. Please call 214-823- ing for a COMPLIANCE OFFICER. WhitneySmith provides a variety of 9999, [email protected] Must have compliance experi- management consulting services, including: ence. Send resume in confidence RecRuitment Commercial Lender needed to bankers digest@bank ersdi- Wage & SalaRy adminiStRation 7-10 years experience in Tulsa, gest.com, subject line Box D-5. incentive compenSation BonuS planS RegulatoRy compliance policieS and pRoceduReS employee HandBookS affiRmative action planS employee RelationS advice & counSel BenefitS analySiS unemployment claimS aSSiStance WoRkeRS’ compenSation aSSiStance pRoductS & poSteRS litigation SuppoRt tRaining For more information on all our services, please call our office or visit our website at: www.whitneysmithco.com 301 Commerce Street, Suite 1950 Fort Worth, Texas 76102 817.877.0014 817.877.3846 Fax

Page 10 BANKERS DIGEST May 5, 2014 C L A S S I F I E D State Bank, 10203 Birchridge For the chance to join our team, ing a CONTROLLER. Bachelor’s Drive, Suite 150, Humble, Texas please submit resume to bank- Degree in accounting, finance or 77338, attention: K. Mermingas. [email protected], related field. 3+ years supervi- CSB is an Equal Opportunity/Af- subject line Box A-4. sory, accounting/business expe- firmative Action Employer. rience required. Full time, excel- CHIEF FINANCIAL OFFICER lent benefits package. See our HAPPY STATE BANK, a $2.5 bil- wanted for a 125-year-old grow- website for full job description lion bank in , is seek- ing and successful community www.fb247.com Apply in person ing a COMMERCIAL LENDER bank in North Central Texas. at 1015 West Main, Duncan, OK, in the Texas Panhandle. Ideal Requires 5+ years of banking ex- or send application to Human candidates will have a four-year perience including management Resources, P.O. Box 580, Dun- college degree in accounting, fi- of accounting staff and regulato- can, OK 73534. EOE M/F/Vets/ nance or a business-related field ry reporting. Competitive salary Disability. with a minimum of 3 years com- commensurate with experience, mercial and/or agricultural lend- 401k plan, group insurance, and AimBank is seeking an experi- ing experience. Strong commu- bonus plan. For a chance to join enced COMMERCIAL/AGRICUL- nication and interpersonal skills our team, please submit resume TURE LENDING OFFICER for the are a must. Please complete an to bankersdigest@bankersdi- Texas Panhandle region of West application and submit a resume gest.com, subject line Box A-5. Texas. Applicant must have a at www.happybank.com. bachelor’s degree and two years South/Central TX bank seeks a of lending or credit analysis ex- LOAN OFFICER: First Texas Compliance Officer. Three to perience with strong communi- Bank, Killeen, is seeking a Loan five years experience required. cation and interpersonal skills. Officer for Killeen, Texas. This CRCM preferred but not required. This is an excellent opportunity individual must possess skills in Please submit resume and salary to join a fast growing bank with commercial, consumer, real es- requirements to: r.robledo@cs- great benefits. Please send your tate, and mortgage lending. The bsa.com resume and cover letter to cwal- ideal candidate will have 3-5 [email protected]. years of experience and a de- BRANCH PRESIDENT – Tarrant gree in business/finance. This County-based, Worthington Na- EQUIPMENT person must also possess strong tional Bank seeks a President communication skills and basic for a new location in West Fort FOR SALE: Opteva 750 – Ad- vanced-function, Island Drive- computer knowledge. Competi- Worth. This position will be re- Up ATM. ADA compliant. Con- tive salary and benefits package. sponsible for managing the loca- tact 580-222-8080 for details. Email resume to stephaniea@ tion and staff including lending firsttexasbank.com, or mail re- staff. The individual will also be FULLY OPERATIONAL BRANCH sume to First Texas Bank, Attn: responsible for originating and BANK available. Located on U.S. Stephanie Abbott, P.O. Box servicing loans. Requirements Highway 380 in Little Elm, Texas. 11539, Killeen, Texas 76547. include 15 years of experience Contact: [email protected] in commercial, commercial real LOAN OFFICER wanted for a 125 estate, and consumer lending. year old growing and successful Must also have experience in Your ad community bank in North Cen- regulatory compliance in these can appear here! tral Texas. The successful candi- areas. Prior credit analysis date will not only be committed training is a must. Please submit $45 for 30 words. to the community and its future, resume to careers@worthington- but also to providing the high- bank.com Simply email your ad to est quality of personal friendly banking services to our custom- South Texas Bank has positions [email protected] ers. College degree and mini- available for Lending & Oper- mum of 2 to 5 years lending ex- ation Officers. Send resume perience required. Competitive to [email protected] Subscribe to Bankers Digest salary, 401k plan, group insur- http://www.bankersdigest.com ance, bonus and incentive plan. First Bank & Trust Co. is seek-

May 5, 2014 BANKERS DIGEST Page 11 Bankers Digest PERIODICAL P.O. Box 743006 Dallas, Texas 75374-3006 (USPS 041180) ADDRESS CHANGE - When writing to us about your subscription, enclose the address label from your copy of Bankers Digest. You can also change your address or other information at www.bankersdigest.com under subscriptions.

CSC Conference (continued from Page 8) February 24, 2014) to better under- aged bankers to visit their elected stand the Fed’s approach to applica- representatives. “Too many regulators franchise area. The bank has created a niche in the market as an SBA guar- tions and notices filed for approval. who don’t know or understand bank- anteed lender. He responded to a question from the ing are making it very difficult for Another panel dedicated to regu- audience about when regulators will banks to perform their critical roles in latory issues and moderated by CSC loosen up the de novo bank charter ap- local economies,” he said Q Managing Director for Investment plication process. “It is highly unlikely Management Carla Brooks included that any de novo application will be Commerce Street Capital, LLC, (CSC), Robert Mahalik, director of applica- approved,” he said. “Those wanting to Dallas, TX, is a private investment tions with the Federal Reserve Bank start a new bank need to find a charter banking firm led by veterans of the of Dallas, who urged bankers to use and existing bank to start with in the banking industry, specializing in in- information in an upcoming semi- near term.” vestment banking services. For more annual applications process report Conference keynoter US Congress- information, visit www.commercestreet- (Supervisory Letter SR 14-2, dated man Pete Sessions (R-TX) encour- capital.com or call 214-545-6800. FINANCIAL DESIGN & CONSTRUCTION “Total Solutions For Your Building Projects”

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Page 12 BANKERS DIGEST May 5, 2014