May 25, 2009 www.bankersdigest.com Volume 134, No. 21 Russell Named President and Fiegel Senior Nussbaum, Strickland Executive VP, Coppermark , Oklahoma City Promoted, Western NB Thomas L. Legan, president and CEO Coppermark’s board of directors. He Jack Wood, president and CEO of of Coppermark Bank, Oklahoma City, earned BS and MBA degrees from Okla- Western National Bank, Odessa, TX, has announced homa City Univer- has announced re- that Jeff K. Rus- sity. His communi- cent officer promo- sell and Jacque ty service involves tions in the bank’s R. Fiegel will have a variety of civic Midland/Odessa expanded execu- organizations, in- market. tive roles. Russell cluding serving on Sylvia Nussbaum was promoted to the board of trust- was promoted to president, Okla- ees at Mid America senior vice presi- homa market; he Christian Univer- dent. With the bank since 2001, she also serves as chief sity and Crossing Fiegel Nussbaum Russell oversees customer credit officer. Fie- Christian School. service and treasury management op- gel was promoted to senior executive Fiegel is a member of the board erations. vice president; she will continue her of directors of Coppermark Bank and Denise Strickland was promoted to responsibilities as chief operations of- Coppermark Bancshares Inc. In 2009, senior vice president. With the bank ficer. she was named one of the Top 25 Most since 2004, she oversees regulatory “Jeff Russell and Jacque Fiegel have Powerful Women in Banking by US risk management, which includes reg- both played important roles in help- Banker magazine and is a member of ulatory compliance, risk management, ing the bank grow to over $1 billion in the advisory council for the 25 Most and the Bank Secrecy Act. total assets,” said Legan. “Jacque and Powerful Women in Banking. In 2008, Lori Garza was promoted to ac- Jeff have served more than 30 years she received the Oklahoma Servant counting officer. With the bank since with dedication and great service to Leader Award from Oklahoma City 2003, she oversees the daily supervi- the bank and to their communities,” University. She is president and board sion of the accounting department. Legan adds. member for the Oklahoma City Univer- Jose Mendez was promoted to se- nior credit analyst and banking officer. Russell is also a member of the sity National Alumni Association Q With the bank since 2005, he supervis- Harrison Promoted to Senior Vice President, es analysts in the Odessa market Q First Fidelity Bank in Phoenix, Arizona Please route this issue: First Fidelity Bank, N.A., president and Fidelity’s treasury services representa- CEO Lee Symcox has announced the tive in the AZ market since 2007. Prior promotion of Mar- to joining the bank, she owned Des- sha Harrison to tination Management Company for In This Issue... senior vice presi- eight years. From 1992 until she joined dent and treasury First Fidelity’s predecessor bank, she CBA Update: Top Retail services relation- consulted on event planning with For- Banking Issues ship manager in tune 500 companies. Feature...... 3 Phoenix. In her role as treasury services Harrison has manager, Harrison’s duties include Charter Activity...... 9 nearly 25 years of client development and retention by business and bank- Harrison assisting commercial customers with Classified...... 10 ing experience. She has served as First treasury management products Q p e o p l e Werberig to Manage Community Bank’s New Fort Worth Branch Jimmy Campbell, CEO of Community opening of the bank’s tenth branch, insurance agent license (Group 1). She Bank, Granbury, has announced the located in University Centre I, 1300 S. has a BBA degree in from Pitts- University Dr., at the corner of Vickery burg State University in KS. and University, in Fort Worth. Henry Borbolla III is vice president Now Available Jeanine Werberig is branch man- and business development officer. His PRINT and ONLINE ager. A 20-year banker, she joined the 20-year financial career includes expe- bank in March and has experience in rience as a business owner, CFO, and bank management and financial servic- as a private banker. He is a BBA gradu- es. She holds Series 6 and 63 licenses, ate of Texas Christian University. is an accomplished Cohen Brown sales Lynn Gill is a personal and busi- coach, and most recently served as dis- ness development banker. A gradu- trict sales manager of retail operations ate of Baptist University with a for a large national bank. bachelors degree in business studies, Linda Van Grevenhof is vice presi- she is a nine-year banker. She holds dent, client services. She has over 18 Group I and Series 6 licenses. years of banking/ ex- Melissa Strickland is a personal perience and will be responsible for banker. She is a 30-year banker, a li- attracting both deposit and cus- censed realtor, and has expertise in tomers. She holds an NSAD Registered both residential and commercial real Representative (Series 7) License, in- estate lending. vestment advisor representative (Series Trena Santa Cruz, a five-year bank- 66) license, and a Texas Life & Health er, will serve as teller Q Metroplex Bankers Dyer and Brooks Win Elections For the online version, go to www.texasredbookonline.com. Voters in Plano on May 9 chose Legacy served in banking since 1996. Texas Bank president Phil Dyer to be Brooks has served as chairman/CEO Sign up for a 7-day trial subscription. their next mayor. In McKinney, voters of Independent Bank Group/First McK- Online subscriptions less than elected Independent Bank Group chair- inney Bancshares since 1994. Earlier, $15 per month! man/CEO David Brooks to an at-large he served with Farmersville Bancshares To order your print version, call seat on the city council. and Texas Commerce Bank-Brookhol- 800-336-1120 or visit Dyer becomes Plano’s 37th mayor and low. He also was CFO and vice president www.texasredbook.com. its first new mayor in seven years. He for finance and administration of Baylor is a 25-year Plano resident and has a University. He has a history of commu- long history of involvement in the com- nity involvement in McKinney and Farm- Bankers Digest® munity. He has served as president of ersville. Brooks served on IBAT’s board Established 1942 Legacy Texas Bank since early 2001 and of directors from 1995-2000 A Weekly Bank News Magazine Q (USPS 041180) Published every Monday at Dallas, Texas Bankers Digest Wants to Report Your Bank News Copyright 2009 Bankers Digest® [email protected] BONNIE JAMISON BLACKMAN, Publisher/Editor R. GILBERT BLACKMAN JR., Managing Editor 9550 Forest Lane, Suite 125 Dallas, Texas 75243-5928 The Bankers Advantage Group Phone 214/221-4544 I N C O R P O R A T E D Fax 214/221-4546 E-mail: [email protected] Helping bankers avoid surprises by taking the initiative in the following areas since 1987: website: www.bankersdigest.com • Regulatory Compliance Audits Subscription rate: One year $36.00, single copy $1.00 • BSA/AML Reviews Opinions expressed by columnists and writ- • Correcting Deficiencies/Examiner Criticisms ers of bylined articles are not necessarily those of Bankers Digest. Editorial guidelines • Independent Loan Reviews may be obtained upon request. Articles and • Internal Controls Audits – from a banker’s perspective photos may be submitted to above address or sent via e-mail. • Management Studies Periodical postage paid at Dallas, Texas Raymond Huston, President - Bill Korndorffer, Director of Loan Review POSTMASTER: Send address changes to Darlia Fogarty, Director of Regulatory Compliance and Internatl Controls Audit Bankers Digest®, 9550 Forest Lane, Suite 125, Dallas, Texas 75243-5928. 713-972-1300 - 800-972-1307 - Plano 214-227-1301

Page  BANKERS DIGEST May 25, 2009 F E A T U R E RETAIL BANKING The Mortgage Reform and Anti-Preda- 1479) has been intoduced and hearing tory Lending Act (HR 1728) recently scheduled in the House Financial Ser- CBA Update: Top Retail passed out of the full House. On the vices Committee in June. Banking Issues Senate side, legislation (S. 896) was ap- 8. Arbitration: CBA expects to contin- proved. The FDIC borrowing authority ue to see anti-arbitration provisions Source; increase to $100 million and extension in larger pieces of legislation moving CBA Reports for four years of the $250,000 FDIC insur- in the House and Senate. Washington, DC ance limit are amendments to S. 896. 9. RESPA: Regulatory changes to the www.cbanet.org 3. Student Lending Legislation: CBA Real Estate Settlement Procedures Act is hopeful that Congress will consider will be going into effect later in 2009, The Consum- alternate student loan proposals that over the strenuous objections of CBA BD er Bankers will allow private sector participation and others in the industry. Association to continue in the FFEL program. 10. FDIC Special Assessment: Legis- has updated 4. Student Lending Regulation: Com- lation increasing the FDIC borrowing FEATURE and expand- ments are due today, May 25, to a Fed authority with Treasury have passed ed its prior- proposal to amend Reg Z for private House and Senate (number 2). [Await- ity list of the student , implementing changes ing reconcilation and President’s sig- top 15 issues of concern to the retail prescribed in the Higher Education nature, and FDIC board’s decision.] banking industry. What follows is a Opportunity Act enacted in 2008. 11. Interchange: CBA is focusing on the Senate to ensure the interchange brief update of the CBA’s priority list. 5. Credit Cards: The House and Senate amendment is not added to the credit 1. Overdraft Protection/Regulation bills must be reconciled. President Obama card bill (S. 414). E: the Federal Reserve issued a pro- wants to see a bill by Memorial Day. 12. IRS Initiative: CBA is continuing dis- posed rule amending Reg E with re- The Consumer Credit 6. Bankruptcy: cussions with the IRS about allowing gard to overdraft protection services. Fairness Act (S. 257) is being consid- The Fed requested comments in the to submit electronic requests for income ered in Senate Judiciary Committee. verification for small business loans. alternative for allowing consumers to CBA has said the bill would reduce opt in or opt out of overdraft protec- 13. TILA Language in Omnibus Bill: the credit available for personal loans, CBA working with Senators to fix the tion for debit and ATM transactions. credit cards, and auto finance. 2. Mortgage & Home Equity Lending: 7. CRA Reform: A CRA reform bill (HR (continued on Page 9)

TIB - Safe Harbour pick up

May 25, 2009 BANKERS DIGEST Page  p e o p l e TEXAS Texas Bankers Foundation Honors 13 with the 50-Year Betty E. Rice is executive vice presi- dent and COO at Farmers and Merchants Banker Award during 125th Annual Convention Bank, De Leon, where she has served The Texas Bankers Foundation, the Alisa Lou Medford has worked for all 52 years of her banking career. philanthropic arm of the Texas Bank- seven banks and held many positions Jon B. Ruff of Longview has served ers Association, honored 13 TX bank- including teller, secretary, and cashier. as president of First State Bank in ers with the 50-Year Award during its She serves with Citizens National Hallsville for the last 41 years. He be- annual convention in . Bank in Henderson. gan his banking career in 1958 as an The honorees include: Mary Jane “Janie” Moses has served assistant national bank examiner with Landon Alford has served on the with Citizens National Bank in Waxa- the OCC in Dallas. Ruff was also a re- board of directors of Citizens National hachie for all 52 years of her career. cipient of the foundation’s 2009 LiFE Bank, Henderson, for more than 50 She has held many different positions Award honoring TX bankers who are years and served as chairman of the and was named senior vice president dedicated leaders in promoting finan- board for more than 15 years. in 1992. cial education in their communities. Jeff Austin Jr., a third generation Rogers Pope Sr. is chairman and Joe H. Sharp Jr. of Hawkins serves banker, is chairman of the board of CEO of Texas Bank and Trust in as a consultant for Austin Bank in Austin Bank, Jacksonville. During his Longview. He is also chairman of First Jacksonville. He has served with banks banking career, he has served on the State Bank in Van, Lindale State Bank, throughout TX, holding the positions Texas Finance Commission, the Fed- and First State Bank of Overton. He of chief lending officer and CEO. eral Reserve Bank of Dallas, and was also serves on the board of TIB The In- Bettye Streeter served her entire chairman of the TBA for 1988-1989. dependent BankersBank, Dallas. 50-year career with First State Bank in Donald R. Maples, who has served Donald E. Reily of Lufkin has served Overton, where she was secretary to with several banks, was chairman/CEO in banking for 65 years. He has been the board of director for many years. of Citizens National Bank of Weath- with Citizens State Bank in Corrigan She passed away on February 13, 2009. erford until it was purchased by First since 1958 and is currently chairman Lynn C. Vincent is president of First Abilene Bankshares. of the board. State Bank & Trust Co., Carthage, a position he has held since 1990. He joined the bank as a teller while in college and has served as a director since 1970. Allen F. Zamzow has served all 51 years of his banking career at First State Bank in Three Rivers. He retired from the bank in February 2008 as an executive vice president and continues to serve on the board of directors Q

Retired First in Dallas Vice President J.T. Belzner Jr. Dies J. T. Belzner Jr., a retired vice president who served with First National Bank in Dallas and successors, died May 9. Belzner was born on July 27, 1930, in Ft. Worth, and graduated from Texas A&M College in 1952. He later gradu- ated from the American Institute for Foreign Trade (AIFT is now Thunder- bird) in Glendale, AZ. He also served in the U.S. Army. He began a 27-year career with First National Bank in Dallas, served in op- erations, and represented the bank and its successor First Republic Bank in Japan, South America, and England. At age 58 he retired in 1988. He was an avid collector of American antiques and glassware Q Page  BANKERS DIGEST May 25, 2009 p e o p l e TEXAS Heritage Pearland’s CEO Buhr Joins PlainsCapital As VP and Asst General Counsel Bonnen “40 Under 40” Cynthia S. Buhr joins PlainsCapital & Blumenthal in Dallas. Dennis Bonnen, chairman and CEO Corporation as vice president and as- In 1990 Buhr earned a juris doctor de- of Heritage Bank, N.A., Pearland, was sistant general counsel at PlainsCap- gree from the SMU’s Dedman School recently named one of 40 leaders hon- ital’s corporate office at 2911 Turtle of Law where she served on law review ored on May 21 at a special awards Creek Blvd., Ste. 700, Dallas. (Journal of Air Law and Commerce) ceremony, the “40 Under 40” program. She previously worked at Southwest and graduated with honors. She is Sterling Bank, the presenting spon- Airlines Co. where she most recently also a 1987 graduate of The University sor, identifies executives who excel in served as associate general counsel. of Texas at Austin where she earned their industries, are respected busi- Prior to that, she was a litigation asso- a BBA degree with high honors in ac- ness leaders, and show dynamic lead- ciateTBIA Ad-Bankersat Carrington, Digest:Layout Coleman, 1 1/7/2009Sloman 9:24 countingAM Page 1 ership in their communities. Q In February 2009, Bonnen, along with Dan Flynn and Craig Eiland, started Heritage Bancorp Inc., the holding company for Heritage Bank. He also serves as a representative to the Texas House of Representatives. Bonnen has six years experience in banking and 12 years in elected office. He formerly served as vice president at First Community Bank, Pearland, which was sold to Wells Fargo in 2005. He remained with Wells for two years fol- lowing the sale, then worked briefly at Moody National Bank before leaving to start development on Heritage Bank Q REGULATORS L. William Seidman, FDIC Dir During S&L Crisis, Dies at 88 L. William Seidman, a former FDIC director who led the agency during the Savings and Loan crisis, died on May 13 in Albuquerque, NM. Seidman served as chairman of the FDIC from 1985 to 1991. He later was appointed the first chairman of the Resolution Trust Corporation which liq- uidated assets left behind from failed financial institutions during the S&L crisis. After leaving government service, he served as chief commentator for the financial TV network CNBC and publish- er of Bank Director magazine. Edward L. Yingling, ABA president and CEO, on the death of Seidman said, “The banking community lost a colorful and accomplished leader to- day with the death of Bill Seidman. Bill was well regarded in the industry for his straight talk and no-nonsense manner. He successfully led the FDIC during a critical time for our industry and helped make that agency the suc- cess it is today.” Q May 25, 2009 BANKERS DIGEST Page  p e o p l e ARKANSAS LOUISIANA Nowell Joins Arvest Bank in Stewart Named President, McCarter Is VP/Manager, Little Rock as Private Banker Mortgage Bankers Assoc IBERIABANK in Baton Rouge Britton Nowell has been hired as Michael Stewart of Regions Mortgage Susan L. McCarter has been named financial executive has been elected 2009-10 president vice president at Lafayette-based IBE- at Arvest Bank of of the Mortgage RIABANK. She serves as manager of Little Rock. He has Bankers Associa- the bank’s new Perkins Rd. branch. served in the fi- tion of Arkansas. She was previously a vice president nancial services in- Stewart has at JPMorgan Chase Bank and manager dustry for 15 years. served with Re- of the Highland Road branch in Baton He previously was gions since No- Rouge Q managing director vember 1995. of U.S. Bank’s pri- He earned BBA Brown Is Vice President, vate client group and MBA degrees Teche Federal in Lafayette Nowell and as a registered Stewart in finance from the Chris Brown has been named vice presi- investment advisor University of Ar- dent at New Iberia-based Teche Federal at Stephens Capital Management. kansas at Little Rock Q Bank. He serves as a commercial loan Nowell is a graduate of Stanford officer at the Broadmoor branch in La- University and was named to the Ar- Cox Joins Regions Bank as fayette at 5121 Johnston St. Q kansas Business “40 under 40” in 2007 Q Vice President in Nashville Trent Cox of Murfreesboro has joined Davis and Nevels Tapped Morris Is EVP/lending, Regions Bank as vice president and Vice President at Hancock BancorpSouth-Stuttgart community banking relationship Wanda Davis and Any B. Nevels have Stuttgart president Bob Koch has an- manager at its Nashville location at been named vice president at Han- nounced that Al Morris has joined 103 N. Main St. Cox has over 12 years cock Bank. Davis is manager of the BancorpSouth Bank in Stuttgart as of experience in the financial services St. Francisville branch, and Nevels is industry executive vice president of lending. Q manager of the Mandeville branch Q Morris has 28 years of banking ex- perience and most recently served as Bluff. NEW MEXICO vice president and senior lender at A University of Arkansas Monti- Portland-based Home Bank of Arkan- cello graduate, Morris earned a busi- First Community’s Bailey sas in Little Rock. Prior to beginning ness degree. He is also a graduate of Receives Two Service Awards his commercial banking career, Morris the Graduate School of Banking of the First Community Bank in Las Cruces served five years with the FDIC in Pine South at LSU in Baton Rouge, LA Q has announced that senior vice presi- dent Karen Bailey was honored twice in April for her community involve- Straight Talk, Fair Deals, ment and volunteer work. The Las Cruces Association of Re- Real Commitments. altors honored Bailey as their “Citizen of the Year,” citing her long history of community service. Her numerous contributions include initiatives sup- ported by First Community Bank such as “Coats for Kids” and the bank’s “In- School Banking” program. We provide transitional financing through a variety of structures, including ABL, ABL Flex, Factoring, and Inventory Lending. Also, the Healthcare Foundation of Southern New Mexico honored If you know of a company who could benefit from our working capital products, Bailey as their Volunteer of the Year please contact me: in awarding her the 2009 Mountains Fund Award. Larry Trussell The long-time Dona Ana County resi- VP, Business Development dent is also a board member of the Com- Southwest Region munity Foundation of Southern New 972.387.7452 • [email protected] Mexico and the Mesilla Valley Rotary Club. She has served as chair for the Las Summit Financial Resources provides working capital solutions to small and medium-sized businesses nationwide. Cruces Public School and the Dona Ana Community College Bond Elections Q Page  BANKERS DIGEST May 25, 2009 p e o p l e OKLAHOMA Allen, Arch, Brummett, Crutchfield, and Neilson Promoted to SVP, Chisum, Johnson, Compton, Dryer, and Elder to VP, Bank of Oklahoma Stanley A. Lybarger, president and to vice president, DFS collections as- Teri Dryer was promoted to vice CEO, Bank of Oklahoma, N.A., and sistant manager in the commercial di- president, director of CRM in the com- BOK Financial Corp., Tulsa, has an- vision. Johnson has served with BOk mercial division. Dryer has served with nounced recent promotions. since 1999. BOk since 2007. William Allen was promoted to se- Jerrod Compton was promoted to Michael Elder was promoted to nior vice president, corporate profit vice president, account manager II, in vice president, account manager II, planning manager, in the finance and the commercial division. Compton has in the commercial division. Elder has administration division. Allen has served with BOk since February 2008. served with BOk since 2003 Q served with BOk since 1993. Patrick Arch was promoted to se- nior vice president, Transfund Infor- mation Services manager, in the com- mercial division. Arch has served with BOk since 1990. Robert Brummett was promoted to senior vice president, DFS collec- tions/recovery manager, in the com- mercial division. Brummett has served with BOk since 1996. Susan Crutchfield was promoted to senior vice president, production operations manager, in the mortgage division. Crutchfield has served with BOk since 2006. Marrien Neilson was promoted to senior vice president, regional cor- porate trust manager, in the trust di- vision. Neilson has served with BOk since 1996. Douglas Chisum was promoted to vice president, senior profit consul- SharpImage Internet Mobile ATM/Debit Remote Platform Check System tant, in the finance and administration Banking Banking Card Processing Deposit Automation division. Chisum has served with BOk since 2005. Stephanie Johnson was promoted One Powerful Source for a Fully Integrated System From Imaging to Internet Banking to Core AVB Bank, Broken Arrow, Our software applications have been designed by community bankers specifically for use by community bankers. Since 1987, our banking software has allowed community Ups Dejene, King, and Taylor bankers to focus on their most important asset, their customers. Sharp BancSystems AVB Bank, Broken Arrow, has pro- continues to enhance our banking software applications, while developing new products moted Ben Dejene to assistant vice to allow our customers to remain competitive in today’s banking environment. president and branch manager of the We offer one-stop support for all of our comprehensive, totally integrated, state-of-the- downtown Broken Arrow location at art, PC-based community banking software applications including our Sharplmage Check 302 S. Main. Dejene, a native of Addis Imaging System which was designed to easily handle the image exchange requirements of Check 21. Ababa, Ethiopia, joined AVB in 2003. The bank also named Linda King We believe that we could possibly save your bank 30 - 60% in total IT costs as compared to the leading vendors (in-house and service bureau) today, yet deliver as much or more assistant vice president and CRA of- feature/functionality for your bank. ficer. Tami Taylor was named credit ad- 817-553-2550 • www.sharpbancsystems.com “Fully Integrated PC-Based Community Banking Software Applications” ministration officerQ

May 25, 2009 BANKERS DIGEST Page  N E W S W A T C H ARKANSAS ARIZONA Batesville Investor Group to Bank of Little Rock Acquires Scottsdale Business Bank Purchase First Southern Bank Barron Mortgage, Ft Smith Organizers Await ADFI OK A change in ownership is occurring at Bank of Little Rock Mortgage Corp., Scottsdale Business Bank, which First Southern Bank in Batesville. The a wholly-owned subsidiary of Bank originally was set to open in fourth- bank is to be purchased by a group of of Little Rock, has taken on a second quarter 2008, filed an application with Batesville-area investors. The buyers, mortgage, but not in usual way . state regulators seeking an extension using the name of PA Alliance Trust, Bank of Little Rock Mortgage has ac- to raise capital, according to an article intend to purchase a big block of quired Barron Mortgage of Fort Smith by Chris Casacchia of the Phoenix Busi- shares held by First State Bank of Lo- in a deal that amounted to the low five ness Journal. If the Arizona Department noke, Fidelity National Bank of West figures, according to Arkansasbusiness. of Financial Institutions (ADFI) rejects Memphis, and Cross County Bank com. the motion, it likely will shut down the of Wynne, which is owned by Cross Barron Mortgage will operate as third bank formation in the state since County Bancshares Inc., Wynne. “Barron Mortgage, a division of Bank December 2008. The shares represent a 52.7% owner- of Little Rock.” The mortgage company The environment for raising capital ship position, 53.7% if option shares provides mortgages and financial ser- is as dry as the Sonoran Desert, said in the $103 million-asset bank are in- vices to customers in Sebastian and Casacchia, causing at least two de novo cluded. Crawford counties. bank organization groups to withdraw According to ArkansasBusiness.com, the Senior loan officerJoe Barron, who their state charters in AZ in the past proposed acquisition price for the own- has more than 40 years of mortgage- five months. “It’s a tough road, because the econ- ership position is over $9.2 million. industry experience founded Barron omy has had an effect on capitaliza- The deal will be financed with a $4.6 Mortgage (formerly Barron Funding tion,” said Ernie Garfield, chairman million loan from First State Bank of Group) in 2001. Loan officer Sandra of Interstate Bank Developers Inc., of Lonoke. Barron has more than nine years of Scottsdale. First Southern Bank was established residential mortgage experience. In November 2008, the OCC elimi- in 2005. At December 31, 2008, the Bank of Little Rock Mortgage began nated application fees and preopen- bank reported $103.7 million in assets. operations in 1998. The company has ing audits, which save de novos about Arkansas Business magazine ranked the six locations in central AR in the cities $50,000 in startup costs. The OCC also bank the 100th largest bank in the state of Little Rock, North Little Rock, Bryan, dropped its policy of prohibiting stock at yearend 2008. According to the FDIC Cabot, Maumelle, and Conway. sales before a startup could file an ap- website, the bank operates two offices: Bank of Little Rock, established in plication with the FDIC. Under the up- one each in Batesville and Searcy. 1927, operates five Little Rock locations. dated policy, the FDIC does not want Woody Castleberry serves as presi- The bank reported more than $148 mil- to see any applications until 70% of dent/CEO of First Southern Bank Q lion in assets at year end 2008 Q the stock is sold, Garfield said. The OCC has received only three applications in 2009. The ADFI has no applications to process for any AZ startups, according to records ob- tained from the agency, Casacchia re- ported Q

NEW MEXICO SBA Honors Wells Fargo, Citizens Bank of Las Cruces At the Small Business Week Awards celebration in Albuquerque on May 5, the SBA recognized Wells Fargo Bank, N.A., and Citizens Bank of Las Cruces. Wells Fargo was recognized as the top SBA 7(a) loan dollar leader in SBA financing in NM for the year ended September 30, 2008. The SBA also recognized Citizens Bank as the NM 1st Mortgage Lender of the Year for the same period Q Page  BANKERS DIGEST May 25, 2009 r e g u l a t o r s tion by Lubbock National Bank, Lub- Dr., Ste. 100, Corpus Christi. bock, for a branch at 3020 E. 29th St., The TXDB has received an application C h a r t e r Bryan. by TIB The Independent BankersBank, The OCC has received an applica- Irving, for a branch at 1550 North Brown tion by Moody National Bank, Galves- Rd., Ste. 150, Lawrenceville, GA. a c t i v i t y ton, to relocate a branch from 8323 The TXDB has received an applica- W. Broadway (Kroger store branch) to tion by Legacy Texas Bank, Plano, to Arizona 2940 Broadway Bend Dr., Pearland. relocate a branch from 3000 W. 7th St. BRANCHES The OCC has withdrawn applications to 3100 W. 7th St., Fort Worth. The OFFICE OF THE COMPTROL- by Capital One, N.A., McLean, VA, for HOME OFFICE RELOCATION LER OF THE CURRENCY has received branches: 1006A Federal Rd. and 4407F The TXDB has received an applica- an application by National Bank of W. Fuqua, Houston; approved: the NEC tion by First Bank & Trust Company, Arizona, Tucson, for a branch at 23415 of I-45 and Cross Timbers, Houston, and Lubbock, to relocate its home office N. Scottsdale Rd., Scottsdale. 2525 Wycliff Ave., Dallas. from 7806 Indiana Ave., Lubbock, to Louisiana The TEXAS DEPARTMENT OF 9810 Slide Rd., Lubbock, with result- BRANCHES SAVINGS AND MORTGAGE LEND- ing address of 9816 Slide Rd., Lub- The OCC has approved an applica- ING has filed an application by Provi- bock. First Bank will maintain a branch tion by JPMorgan Chase Bank, N.A., dence Bank of Texas, SSB, Southlake, at 7806 Indiana Ave Q Columbus, OH, for a branch at 1440 S. for branch office powers in Tarrant, Range Ave., Denham Springs. Dallas, Collin, and Denton counties; Feature (continued from Page 3) Texas to conduct pickup and delivery of TILA language in Omnibus Bill (HR BRANCHES items pertaining to branching activi- 1105) in next possible legislation The OCC has approved applications ties where the courier service is estab- moving throught Senate. by JPMorgan Chase Bank, N.A., Co- lished by the bank. 14. FCC/Do Not Call Petition lumbus, OH, for branches: 10410 Hwy. The TEXAS DEPARTMENT OF 15. Preemption: The U.S. Supreme 6, Missouri City, and 6901 Spencer BANKING has approved an applica- Court has heard arguments in the case. Hwy., Pasadena. tion by Prosperity Bank, El Campo, for CBA supports OCC’s exclusive visito- The has approved an applica- OCC a branch at 15217 South Padre Island rial authority Q

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May 25, 2009 BANKERS DIGEST Page  C L A S S I F I E D ARKANSAS! A fAntastic state with fUn- banking environment is required. B a n k e r s D i g e s t tastic potential. I help great Lender$ Please send resume to: Human Re- HOW TO CONTACT US fund great jobortunities. Confidential sources, P.O. Box 537, Cleburne, TX Fax to 214/221-4546. Mail responses to Box to Jon Davis, Babich & Associates, 76033 or apply online at www.first- Number c/o Bankers Digest, 9550 Forest 214/823-9999, [email protected], mybank.com. EOE. Lane, Suite 125, Dallas, TX 75243-5928. www.babich.com. Phone: 214/221-4544. SENIOR LENDING OFFICER needed email: [email protected] COMMUNITY BANKER, SOUTHEAST for a strong, old line bank’s Hill Coun- TEXAS: Pro-deal Texas community try location. Must be experienced in bank needs seasoned generalist real estate, commercial, and con- Advertising rates are $35.00 for the first 25 lender to manage small-town mar- sumer lending. Knowledge of the San words; $10.00 for each additional 10 words per ket. Contact Mark Mitchell, Lone Antonio-Austin corridor market a plus. insertion. Ads which use a Bankers Digest box Star Search, 972/335-9009, www.lon- Send resume to Box A-3, bankersdi- number for forwarding responses will be charged estarsearch.net. $5.00 additional per insertion for postage and [email protected]. handling. Ads run on Bankers Digest website First Financial Bank Cleburne has an for the duration of the advertising agreement opening for a BRANCH MANAGER East Texas community bank seeking at no additional charge. Only Principals at the branch located in Burleson, an EXPERIENCED BANKER to help will be assigned box numbers. Responses Texas. Candidate must have 8 to 10 operate and expand. Operational and to Bankers Digest boxes are forwarded twice years of retail banking experience lending experience a must. Compli- weekly. Advertising deadline is Monday noon including commercial, consumer, ance and IT experience an advantage. for following Monday’s publication. and real estate lending experience. Advancement to president and CEO a Previous management in a retail possibility. Good small town commu- SERVICES

INTERNAL AUDIT OUTSOURCING: Time to improve or develop your in- ternal audit function? Our firm can help!! We provide administrative 301 Commerce Street, Suite 1950 guidance or training to your person- Fort Worth, Texas 76102 nel or will handle all your internal audit needs. Financial, operational, Recruiting and Placement Services IT, FDICIA and SOX; we can assist for Banking Positions at All Levels your company in all facets of inter- For additional information, please contact nal auditing. Call Bryan Kendrick to discuss at 210/413-4134 or e-mail DAVID FARMER [email protected]. 817.877.4120 or 817.877.0014 Visit our website to see a current listing 817.877.3846 Fax of recruitment opportunities POSITIONS WANTED [email protected] www.whitneysmithco.com

35 years banking experience. 25 loan experience. Updated on all banking regulations. All positions considered. Send request for resume to: bank [email protected].

Positions AVAILABLE

SAN ANTONIO VICINITY CASHIER with operations experience to be groomed to replace Controller. Great opportunity for #2 position and open to relocation. Sharon Emil- iano, Babich & Associates, Sharon@ babich. com, 214/823-9999, #306, www.babich.com. (see banking).

SENIOR LENDER for growing WEST TEXAS BANKING GROUP. Excellent growth opportunity with outstanding salary and bonus program. Ag lending experience desired. Harvey Urban, Babich & Associates, hurban@babich. com 214-823-9999, #304.

Page 10 BANKERS DIGEST May 25, 2009 C L A S S I F I E D nity atmosphere. Send resume to P.O. ing a commercial and/or real estate requirements to jobs@omnibank. Box 111, Commerce, TX 75428. Also lender with at least 5 years lending com or fax to 281/999-9129. EOE/ send a one-page sample of your hand- experience and a proven track re- M/F/D/V. writing on unlined paper. cord. Business development skills a must. Please contact Sammie Slo- RETAIL BANKING MANAGER-AUS- ARLINGTON PRESIDENT for cum at sammieslocum@worthing- TIN: Libertad Bank is seeking an Worthington National Bank. Great tonbank.com or 817/303-5911. experienced RETAIL BANKING opportunity for lender with 15 years MANAGER to lead its deposit gath- experience in the Arlington area to OMNIBANK, N.A. has an immedi- ering and customer service organi- run Arlington office. Please contact ate opening for a Human Resources zation. Must be committed to a high Sammie Slocum at sammieslocum@ Manager at its north Houston lo- standard for customer service and worthingtonbank.com or 817/303- cation. Minimum of 4-6 years HR have a demonstrated ability to plan, 5911. generalist experience required. organize, manage, and lead. Must Excellent verbal and written com- have the ability to serve a wide va- FORT WORTH COMMERCIAL munication skills needed. Experi- riety of consumer and business cus- LENDER-REAL ESTATE LENDER: ence with ADP and Reportsmith tomers, and show a firm grasp of the Worthington National Bank is seek- preferred. Email resume and salary business of banking, including teller operations, new accounts, electron- ic banking, and regulatory compli- ance. Please reply to fax: 512/693- CHIEF FINANCIAL OFFICER 3614 or [email protected].

DFW independent bank, $100mm Growing Northeast Texas Community Bank assets, seeks a credit manager. Successful candidate will be respon- sible for loan administration, loan Responsible for bank’s documentation including credit track- ing, past due collections, workouts • accounting and foreclosures, loan renewals, and • data processing loan review. 5 years commercial loan • operation functions experience with a BANK is required. • supervising three direct reports. Bank is heavy in commercial real es- tate lending, no consumer mortgages. This person will NOT be involved as a lender. Reports to CEO. Salary in CPA a plus but not required. low 50s. Time is of the essence – job starts immediately. Send resume with salary requirements to bankjobnow@ CPA a plus but not required. Please email resume and gmail.com EOE salary requirements to [email protected] (continued on Page 12)

May 25, 2009 BANKERS DIGEST Page 11 Bankers Digest PERIODICAL 9550 Forest Lane, Suite 125 Dallas, Texas 75243-5928 (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 at www.bank- ersdigest.com under subscriptions.

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Page 12 BANKERS DIGEST May 25, 2009