November 24, 2014 www.bankersdigest.com Volume 145, No. 20 BancorpSouth Inc., Tupelo, MS, Announces Dallas Fed CEO Fisher Transition of Duties as Lewis Plans to Retire To Retire March 2015 BancorpSouth Inc., Tupelo, MS, re- committee. Threadgill will assume re- Richard W. Fisher, president/CEO cently announced the retirement of sponsibility for all business develop- of the Federal Reserve Bank of Dal- BancorpSouth ment. las and one of Senior Executive Lewis’ manage- the nation’s most Vice President ment responsi- outspoken central Gordon Lewis, ef- bilities will be dis- bankers, has offi- fective December tributed among cially announced 12, 2014. Lewis several Bancorp- his retirement on currently reports South executives. March 19, 2015, to President/COO Tommy Darnell, after a decade in Chris Bagley with executive vice the position. Threadgill Darnell Fisher The Dallas Fed senior manage- president and has already begun ment responsibil- chief sales officer, the search for Fisher’s replacement. ities for business development. will be relocating to Tupelo from Jack- Fisher, age 65, is one of two cur- Bagley will coordinate Lewis’ re- son to assume new responsibility for rent Fed “hawks” (worry more about sponsibilities during the transition the community bank system’s retail inflation) who will retire in 2015. He with James Threadgill, senior execu- and commercial loan, deposit, and fee has been swimming against the cur- tive vice president and chief business income production. He has been serv- rent for some time in his struggle to development officer and a member of ing as division president for the Jack- engage the tide of TBTF thinking and the company’s executive management son/Hinds County market Q the Fed’s loose monetary policies. His colorful oratory style and sharp eye Lixey Named To Lead Bank SNB Fort Worth Team on Fed policies have kept him in the spotlight in Washington, DC, and in Southwest Bancorp, Stillwater, OK, Funke said joining the Fort Worth the Fed’s District 11. subsidiary Bank SNB has announced team will be 17-year banker Nathan Fisher told The Dallas Morning News Brian Lixey will lead its entrance into Hoffman as a commercial banker and he has no plans yet–besides play- the Fort Worth 13-year banker Trey Ramsay as a com- ing some golf–for what he’ll do after market as market mercial banker. Also, joining the team March. Stay tuned! Q president, said are 15-year banker Shana Crawford Please route this issue: President/CEO and 11-year banker Jenny Halford. Mark Funke. Bank SNB filed an application for Lixey has more a full-service branch at 301 Commerce than 18 years of St., Ste. 3100, in Fort Worth, effec- banking and man- tive November 3. The bank recently In This Issue... agement experi- opened at the Commerce St. location Cybersecurity Assessment: Lixey ence in a variety as a loan production office, pending Observations and Summary of roles, including senior commercial regulatory approval for the branch. Feature...... 3 loan officer and vice president of com- Bank SNB, chartered in 1894 as The mercial banking. He earned an MBA Stillwater National Bank and Trust FNB McGregor Celebrates 125th..6 degree from Tarleton State University Company, is a $1.8 billion-asset in- and completed Commercial Lending stitution with offices in five TX cities: Charter Activity...... 9 School at The University of Texas at Dallas, Austin, San Antonio, Frisco, Classified...... 10 Austin. and Tilden, and offices in OK and KSQ

Published weekly on Mondays except fifth Mondays p e o p l e TEXAS Junction National Bank CEO Rooke Named Zangoei Is Vice President, 2014-16 Chair, IBAT Services Board of Directors UMB Bank in TX Region The Independent Bankers Association Rooke’s more than 30-year bank- UMB Bank, n. a., a subsidiary of UMB of Texas (IBAT), Austin, announced ing career began in Junction Nation- Financial Corporation, Kansas City, that Darla Rooke, al Bank’s bookkeeping department MO, has hired Mi- president/CEO of learning manual processes in 1980. chael Zangoei as Junction National She has subsequently worked in al- vice president of Bank, will serve as most every area of the bank, rising commercial bank- chair of the IBAT through the ranks. In 2010, she was ing in TX, said Zach Services board of named president and CEO and also Fee, president of directors for 2014- elected a member of the bank’s board. UMB Bank’s Texas 2016. She is the fourth president in the 79- region. In addition year history of Junction National. She Based in Dallas, Rooke to her new role graduated with distinction from the Zangoei Zangoei will serve as IBAT Services Southwestern Graduate School of in commercial Board chair, Rooke is the current sec- Banking at SMU in 2009. lending and business development. retary-treasurer of the IBAT board of Rooke and her husband are active in He has more than 10 years experi- directors for 2014-2015. She will then their community. They volunteer their ence in banking and financial services. serve as chair-elect for 2015-2016, fol- time to Rebuilding Together-Junction, Prior to joining UMB, he served as vice lowed by chair for 2016-2017. She is a nonprofit that rehabilitates homes president of commercial banking at also a member of Junction National for elderly, handicapped, and low- Community Trust Bank, where he was Bank’s board of directors. income residents of Kimble County Q responsible for commercial lending in Vineyard Tapped SVP, Capital One Fort Worth Dallas. Zangoei holds both BBA and MBA of banking experience. Jim Vineyard has degrees in finance from the University joined Capital Vineyard previously served at of North Texas. He is a member of the One Bank’s middle PlainsCapital Bank in Fort Worth and Association of Corporate Growth, a market banking American State Bank in Lubbock. global networking organization, and a team serving Fort A Lubbock native, Vineyard is a member of Risk Management Associa- Worth. graduate of Texas Tech University tion, a financial services organization A senior vice with a BBA degree in finance and of with the goal of using sound risk prin- president, Vine- the Southwestern Graduate School of ciples Q Vineyard yard has 13 years Banking at SMU Q Bankers Digest® Established 1942 A Weekly Bank News Magazine Do You Own Your ATMs Outsource ATM handles all the (USPS 041180) or Do They Own You? work, while you reap the benefits. Published weekly on Monday except fifth Mondays at 9516 Bill Browne Lane, Dallas, Texas 75243 The smart way to get the most Copyright 2014 Bankers Digest® out of your ATM network. 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

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Page 2 BANKERS DIGEST November 24, 2014 F E A T U R E C Y B E R S E C U R I T Y Background leased November 3, provides themes During the summer of 2014, FFIEC from the assessment and suggests Cybersecurity Assessment members piloted a cybersecurity as- questions that chief executive officers General Observations and sessment at more than 500 commu- and boards of directors may consider nity institutions to evaluate the in- when assessing their institutions’ cy- Statement stitutions’ preparedness to mitigate bersecurity preparedness. cybersecurity risks. The assessment The FFIEC also recommended Source: supplemented regularly scheduled that financial institutions of all sizes OCC BULLETIN 2014-53 exams and built upon key supervisory participate in the FS-ISAC as part of November 3, 2014 expectations contained within exist- their process to identify, respond to, http://www.occ.treas ing FFIEC information technology and mitigate cybersecurity threats handbooks and other regulatory guid- and vulnerabilities. The FS-ISAC is a The Federal ance. The “FFIEC Cybersecurity As- non-profit, information-sharing fo- Financial In- sessment General Observations,” re- (continued on Page 8) BD stitutions Examina- tion Council FEATURE (FFIEC) (http:// www.ffiec.gov), on behalf of its members, on Novem- ber 3 released the “FFIEC Cybersecuri- ty Assessment General Observations” and the “Cybersecurity Threat and Vulnerability Monitoring and Sharing Statement.” These documents address findings from the 2014 Cybersecurity Assess- ment pilot examination work pro- gram. They also encourage regulated financial institutions to participate in the Financial Services Information Sharing and Analysis Center (FS- ISAC) (http://www.fsisac.com)

Highlights National banks and federal sav- ings associations (collectively, banks) need to understand their inherent cy- bersecurity risks and consider current practices and overall preparedness, focusing on the following:

• Risk management and oversight • Threat intelligence and collaboration • Cybersecurity controls • External dependency management • Cyber incident management and resil- ience

Information sharing is an impor- tant element of a bank’s risk manage- ment processes and its ability to iden- tify, respond to, and mitigate cyber threats and incidents. Banks are expected to monitor and maintain sufficient awareness of cyber threats and vulnerability information and to establish procedures for how to evaluate and apply information.

November 24, 2014 BANKERS DIGEST Page 3 p e o p l e TEXAS ARKANSAS Orton Joins American Bank Banker, Lawyer, Political Advisor William H. Bowen Dies at 91 Austin as Mortgage Lender William H. Bowen, former chair- tion from 1964 to 1971, when he was American Bank, N. A, in Austin wel- man of Little Rock’s First Commercial named president of Commercial Na- comes Terri Orton as a mortgage Corp. during the tional Bank in Little Rock, which at the lending officer at the Westlake branch 1980s/1990, died time was a $100 million bank on the at 3520 Bee Caves Rd. on November 13 corner of Second and Main. Orton joins the bank with more at age 91. His me- He began growing the bank, created than 15 years of experience in real es- morial service was a bank holding company, Commercial tate and finance. Most recently, she held on Novem- Bankstock Corp., and started acquir- served an Austin-area financial insti- ber 17 at the First ing smaller banks in AR. By 1980, Com- tution as a commercial loan officer. United Methodist mercial had assets of $350 million. Prior to that, she held other positions Church in Little In 1983, Commercial merged with its in real estate and finance with respon- Bowen Rock. rival First National Bank in a merger sibilities in portfolio management, Bowen was born in Altheimer in of equals to create First Commercial loan origination, financial manage- Jefferson County on May 6, 1923, and Corp. with assets over $800 million. ment and reporting, and project man- was in college at Henderson State He remained chairman of First Com- agement. She holds a BBA degree in University in Arkadelphia when the US mercial until his retirement at the end finance and accounting from The Uni- entered WWII. He joined the US Navy of 1990, but was still on the board of versity of Texas at Austin. in 1943 and trained as a Navy figher directors when First Commercial sold Corpus Christi-based American pilot. He was set to go out as a re- to Regions Financial Corp. of Birming- Bank, N. A., entered the Austin mar- placement pilot when the war ended. ham, AL, in 1998. ket in 2001 with a Westlake branch. He returned to AR to complete col- Bowen served as Gov. Bill Clinton’s Today, the $1.3 billion-asset bank has lege and law school and entered the chief of staff in 1991 and 1992, as Clin- two additional locations: downtown practice of law. He specialized in tax ton made his successful run for Presi- at 620 Congress Ave., Ste. 100, and the and corporate law and began to do dent of the US. Austin Region executive offices at 600 work for banks. He was on retainer Bowen also served as dean of the Congress Ave., Ste. 1850 Q for the Arkansas Bankers Associa- University of Arkansas at Little Rock’s School of Law from 1995-1997 and donated more than $3 million to the NCR APTRA Interactive Teller school that was renamed the William H. Bowen School of Law in 2000. The information in this story was excerpted from an article by Gwen +138% +86% Moritz posted on November 13 at ar- Service Hours Teller Referrals kansasbusiness.com Q Expansion Newport Banker Gowen Is Regional Banker of the Year Jim Gowen Sr., chairman of the board for Merchants & Planters Bank in +70% NCR +15% Same Store Newport, has been named Indepen- Asset Growth dent Community Bankers of America Product Sales Central Region Community Banker of the Year, according to an October 28 ICBA news release. The award was created to recognize -50% -41% the exceptional work of individual Reduced Cost per Teller Line Cost community bank employees and the commitment they have to their local Transaction Reduction communities. Shirley Nelson, founder and chair- NCR APTRA Interactive Teller enables you to offer customers man/CEO of Summit Bank, Oakland, both self-service video banking and the branch experience in one solution. CA, is the ICBA’s national Community Call SBM for your bank’s personalized analysis and detailed information packet. Banker of the Year. Nelson and the re- gional winners will be recognized at the David York 281-210-7489 [email protected] 2015 ICBA Community Banking LIVE Mike Pituch 281-233-0202 [email protected] www.sbm4atms.com national convention in Orlando, FL Q Page 4 BANKERS DIGEST November 24, 2014 p e o p l e N E W S W A T C H LOUISIANA ARIZONA OKLAHOMA LBA Elects Officers for Clark Is SVP, Alliance The Bankers Bank Acquires Its Education Council Bank of AZ in Tucson Two Mortgage Businesses The Louisiana Bankers Education Alliance Bank of Arizona announced The Bankers Bank in Oklahoma City Council (LBEC) held its annual business recently that Reid Clark has joined as recently announced two acquisitions meeting senior vice presi- that “are just the first step in our mis- Novem- dent and commer- sion to help community financial in- ber 4 at cial loan officer, stitutions succeed in the mortgage the LBA said Duane Froe- business,” said Don Abernathy, CEO office in schle, Alliance of The Bankers Bank. Baton Bank president. Advance Mortgage Corp. (AMC) and Rouge. He serves at the American Processing Services Corp. The bank’s Williams (APSC), both headquartered in Over- LBEC Centre Office at land Park, KS, have been acquired by the correspondent bank. AMC has elected 200 S. Craycroft Rd. Clark been rebranded Bankers Mortgage Jake Jake Guidry, Ryan Thomas in Tucson. Guidry Clark has over 20 years experience Corp., while APSC has been renamed of St. Martin Bank in Lafayette as the in the commercial real estate and American Processing Solutions Corp. new president for 2015, according to banking industries. He earned a BS or APS. Both are subsidiaries of The education news posted at www.lba. degree in finance and real estate from Bankers Bank. org. Guidry takes the president’s gavel the University of Arizona and is a grad- “Bankers Mortgage and APS will soon from Ryan Thomas of Bossier City. uate of Pacific Coast Banking School. be able to provide a full roster of resi- The 2015 LBEC council members He is active in the local community dential lending services, while assuring sworn in at the November 4 busi- and has served on the Boards for Ju- our customer banks that the loans are ness meeting were: Councilmen at venile Diabetes Research Foundation compliant,” said Rod Whitson, execu- Large, Kendra Palmer of First Guar- (JDRF) and Canyon View Little League. tive vice president and mortgage man- ager at The Bankers Bank. “No matter anty Bank in Benton; Councilmen at He is also a member of DM-50 and Fi- how small the institution, if it wants Large, Brooks Lewis of Citizens Bank nancial Executives and Affiliates of in Baton Rouge; Councilmen at Large, to be involved in the mortgage busi- Tucson (FEAT) Q Chad Burgess of Citizens National ness, we’ll have a solution that meets Bank in Bossier City; Councilmen at Rising Star or New Hire at Your its needs,” Whitson said. The Bankers Bank opened for busi- Large, Tony Haring of Caldwell Bank Bank? in Winnsboro; Councilmen at Large, Send Us Your Bank News ness on May 28, 1986, and provides correspondent services to community Jennifer Boggs of Gulf Coast Bank in [email protected] banks in OK, TX, and NM Baton Rouge; Councilmen at Large, Q Stephen David of Whitney Bank in Baton Rouge; and Councilmen at Large, Brett Blanchard of Bancorp- South in Baton Rouge. Other 2015 LBEC council members include: President-Elect, Michael Wil- son of Guaranty Bank in Delhi; Past President, Ryan Thomas of Citizens National Bank in Bossier City; Secre- tary/Treasurer, Adam Johnston of First Guaranty Bank in Benton; Education Chairman, Mark Marionneaux of Bank of Zachary, Zachary; Member- ship Chairman, Jim Lyons of First Na- tional Bank in Crowley; and President, Jake Guidry of St. Martin Bank in La- fayette Q Subscribe to

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November 24, 2014 BANKERS DIGEST Page 5 N E W S W A T C H TEXAS First National Bank McGregor Celebrates 125th Anniversary Triumph Bancorp in Dallas First National Bank McGregor was Mike Beard were presented a certifi- Completes $80 Million IPO joined by more than 250 guests on the cate by Scott Ward, assistant deputy Dallas-based financial services com- evening of Thursday, comptroller of the pany Triumph Bancorp Inc. on No- November 6, as it OCC, and a plaque vember 7 raised $80 million with the celebrated its 125th by Brien O’Connor, offering of some 6.7 million common anniversary at a pub- vice president of the shares at $12 per share in its initial lic event. The festivi- Texas Bankers Insur- public offering (IPO). ties were held in the ance Agency, given The price of $12 per share was be- bank’s downtown on behalf of the Tex- low the expected price range of $14 McGregor location as Bankers Assoca- to $16 a share, which would have on Main Street, not FNB McGregor in 1907 tion. In addition, City raised $100 million, but Triumph CEO far from its original of McGregor Mayor Aaron Graft told The Dallas Morning founding site in the 19th century. First Pro Tem Francisco “Frank” Leos read News writer Will Deener he is “pleased National Bank McGregor (FNB Mc- a proclamation naming November 6, with the IPO...and with the significant Gregor) is the oldest bank in McLen- 2014, First National Bank McGregor demand out there for our stock.” nan County and the seventh oldest Day. Triumph will use the IPO proceeds national bank in TX The bank’s oldest to pay off $26 million in preferred se- still operating under customer, 100-year- curities held by the US Treasury un- its original charter. old Jeannette Mc- der crisis-era TARP and $11 million in “We are celebrat- Ginnes, was honored debt, with the remainder to be used ing the bank’s 125th at the celebration and for “organic growth and to make ac- anniversary through- shared her memories quisitions.” out 2014,“ said FNB of banking with FNB Triumph has made three acquisi- McGregor’s president McGregor for more tions since its inception in 2010 when David Littlewood. than 80 years. Graft led an investor group that raised “But we believed in- 125th Anniversary Celebration “Our customers about $45 million to acquire and re- viting the public to and the communities capitalize Dallas-based Equity Bank. a charter celebration, almost like a of Central Texas are the reasons First Triumph operates seven banking birthday party, was the perfect oppor- National Bank McGregor is still here brands, including TX commercial tunity for us to say thank you for their after 125 years, and we want to con- lender Triumph Savings Bank support and trusting us to meet their tinue to help meet their needs,” said Q financial needs since 1889.” Beard. “That always has been and al- OmniAmerican & Southside Littlewood and Bank Chairman/CEO ways will be our mission.” Q Shareholders Okay Merger Previously announced on April 29, the merger between Fort Worth-based OmniAmerican Bancorp Inc. and Tyler- BANK DESIGN SPECIALIST based Southside Bancshares Inc. was Endorsed Provider approved in October by both compa- nies’ shareholders. The transaction is expected to be completed during the fourth quarter of 2014, subject to reg- ulatory approval and other customary closing conditions. Upon completion of the merger, Om- niAmerican will be merged into South- side, and the combined company will operate under the Southside charter and brand. Following the merger, the combined company will have approxi- mately $5 billion in assets and will be the ninth-largest banking company headquartered in TX, by deposits. Be- fore the merger, Southside operated 50 banking centers, all in TX, and Om- niAmerican 14, all in the Dallas/Fort Worth Metroplex Q Page 6 BANKERS DIGEST November 24, 2014 N E W S W A T C H TEXAS Baylor University Honors Texas Bank and Trust, Longview, as Texas Family Business of the Year Texas Bank and Trust Company, in assets and 19 lo- program, now in its 25th Longview, was among an exclusive cations throughout year, recognizes outstand- group of companies from across the East TX. It has wit- ing firms whose families state honored as Texas Family Busi- nessed tremendous demonstrate a commit- ness of the Year by Baylor University’s growth in the past ment to each other and to Institute for Family Business. The decade and remains business continuity, and prestigious recognition was bestowed one of the strongest who are responsive to the on the East Texas-based community independent banks needs of their employees, bank at the Institute’s annual awards in the state. Rogers Pope, Rogers Pope Jr. communities, and indus- banquet on November 6 in Waco. The Baylor awards tries Recognized in the “Large Fam- Q ily Business” category, the bank was awarded the Institute’s top honor and, in fact, was one of just 10 companies selected for recognition in the entire 2014 contest, out of approximately 200 nominees. Texas Bank and Trust Chair- man Rogers Pope and Vice Chairman/ CEO Rogers Pope Jr. accepted the honor on behalf of the bank. “Helping families and communi- ties achieve their financial goals and objectives has been a passion of our family for over 100 years,” Pope Jr. said. “To have our success in this en- deavor recognized by our alma mater, Baylor University, and the Institute for Family Business is a great honor, and one that reinvigorates our desire to continue to give back to the commu- nities we serve.” Established in 1958 as Longview Bank and Trust Company, the bank changed its name in September 2003 to Texas Bank and Trust Company. Texas Bank and Trust has $1.9 billion

BBVA Extends Marketing Partnership with Pro Leagues The National Basketball Associa- tion (NBA) and BBVA in October an- nounced a multiyear extension of their marketing partnership (begun in 2010), cementing the global financial servic- es group’s role as Official Bank of the NBA, the Women’s National Basketball Association (WNBA), and the NBA De- velopment League (NBA D-League). To accompany the extension news, BBVA is debuting new NBA-themed advertising with its global ambassa- dors, Kevin Durant and James Harden. BBVA’s US banking franchise, BBVA Compass, remains the Official Bank of the NBA in the US Q November 24, 2014 BANKERS DIGEST Page 7 N E W S W A T C H NEW MEXICO OKLAHOMA First American Bank, Artesia, & AmBank, Silver City, Merge Grand Bancorp, Grove, to Acquire Decatur, AR, Bank First Artesia Bancshares Inc. (FABS chairman of First American Bank, Inc.) announced on November 9 that stated, “When FABS, Inc. our hold- Grand Bancorp Inc., Grove, recently AmBank, Silver City, has merged with ing company, acquired AmBank, the filed an application with the Federal Artesia-based First American Bank. strategy was to gradually transition Reserve Bank of Kansas City to ac- AmBank has been operating under a into a merger and name change. The quire Decatur State Bank, Decatur, AR. separate charter from First American time had come when the merger made Grand Bancorp is the parent of Grove Bank since the acquisition by its par- sense both operationally and finan- Savings Bank, Grove, which operates ent company FAB Inc. in December cially. First American Bank has a much banking offices in Grove and Jay and 2008. more diverse and technologically ad- in Bentonville and Rogers, AR. Greg Marrs, president/CEO and vanced product and services offering According to the FDIC, Decatur and streamlined operations. The man- State Bank is a wholly-owned subsid- agement and staff remain the same.” iary of Peterson Holding Company, Mike Trujillo, Grant County mar- Decatur, AR. ket president, said, “This change is On April 1, 2013, a small group of in- in the best interest of our customers, vestors from Grove and northwest AR LENDING AND CREDIT employees, and shareholders. Merg- purchased Grove Savings Bank from MANAGEMENT SOFTWARE ing AmBank with First American Bank Peterson Holding Company, accord- is important to our continued growth ing to an article titled “New directors, and our ability to better serve our cus- shareholders for Grand Savings Bank,” tomers’ banking needs.” posted on May 10, 2013, at http://grand- First American Bank, with the lakenews.com. merger of AmBank, will become one Grand Savings Bank’s website (www. of the largest independent commu- grandsavingsbank.com) states “Grand Sav- nity banks in NM. Chartered in Artesia ings Bank opened its doors in 1981.... in 1903, First American Bank serves and expanded from Oklahoma into NM customers with 23 locations in 14 Bentonville and Rogers, with other communities, and operates mortgage growth opportunities on the horizon.” offices in Ruidoso; Rio Rico, AZ; and According to news reports, Deca- tur State Bank had been a troubled El Paso, TX Q bank for several years. In an article by FEATURE (continued from Page 3) Kim Souza in December 2012 posted rum established by financial services at http://www.thecitywire.com, Decatur industry participants to facilitate the State’s losses relating to sour real es- YOUR BANK, YOUR FORMS, YOUR WAY public and private sectors’ sharing of tate loans were detailed. The article physical and cybersecurity threat and stated, “These hefty losses had eroded vulnerability information. Rapidly bank capital down to near fatal levels, “It’s the first thing I look at in the evolving cybersecurity risks reinforce according to regulatory protocol.” In morning. – Tony, CLO ” the need for all institutions and their addition, the article stated Decatur critical technology service provid- State owners had injected capital into CREDIT MEMO ers to have appropriate methods for the institution to keep it afloat and to obtaining, monitoring, sharing, and buy more time to find a suitor. • Import Your Forms. responding to threat and vulnerabil- According to the FDIC, as of June • Ask Your Questions. ity information. Financial institution 30, 2014, Decatur State Bank reported management is expected to monitor total assets of $143.7 million, total • Data From Your Core. and maintain sufficient awareness of deposits of $127.8 million, and to- • Use Your Processes. cybersecurity threats and vulnerability tal equity capital of $15.568 million. information so that they may evaluate The bank operates three offices: one Call Us to Demo Your Teslar. risk and respond accordingly. each in Decatur, Gentry, and Siloam Note for Community Banks Springs. “Cybersecurity Assessment General Finally, Grove Savings Bank Presi- Observations” includes questions for dent Mark Londagin is a former pres- community bank boards of directors ident of Decatur State Bank. Londagin and senior management to consider resigned from Decatur State in De- when assessing their cybersecurity cember 2012 to return to managing risk. Grove Savings Bank, then owned by (continued on Page 12) Peterson Holding Company Q Page 8 BANKERS DIGEST November 24, 2014 R E G U L A T O R S approved and effective application by P E O P L E Texas Regional Bank, Harlingen, for a C h a r t e r branch at 2308 E. Griffin Pkwy. (previ- OCC Names New Deputy ously shown as SWC of FM 495 and Comptrollers for Central, NE Shary Rd.), Mission. Address has been The Office of the Comptroller of the a c t i v i t y corrected to show 2300 E. Griffin Pkwy. Currency recently announced the The TXDB has approved an ap- naming of Blake Paulson its Deputy Arizona plication by City Bank, Lubbock, for a Comptroller for the Central District BRANCHES courier branch to serve Hockley and based in Chicago, IL, and Kris Kiefer The OFFICE OF THE COMPTROL- Cochran counties. its Deputy Comptroller for the North- LER OF THE CURRENCY has ap- MERGERS AND ACQUISITIONS east District based in New York City. proved an application by Wells Far- The TEXAS DEPARTMENT OF go Bank, N. A., Sioux Falls, SD, for Paulson, formerly associate deputy SAVINGS AND MORTGAGE LEND- comptroller in the Central District, a branch at 3949 E. Chandler Blvd., has filed an application by Lone ING will succeed Deputy Comptroller Bert Phoenix. Star Bank, SSB, Moulton, and a ma- Arkansas Otto upon Otto’s retirement in Janu- jority-owned subsidiary of Southern ary 2015. Paulson began his regulatory BRANCHES Bancshares Inc., Houston, regarding The has approved an applica- career as an entry-level bank examiner OCC two separate merger/consolidation tion by The First National Bank of Fort in 1986 and has progressed through transactions: 1) merge First Star Bank, Smith for a branch at 2638 E. Joyce the ranks serving in supervisory roles SSB, Bremond, with and into Lone Blvd., Ste. #1, Fayetteville. for banks of all sizes. The Central Dis- Star Bank, SSB, and 2) merge Texas MERGERS AND ACQUISITIONS trict has a staff of 480 bank examiners Star Bank, SSB, Lott, with and into The FEDERAL RESERVE BANK and oversees 545 community banks Lone Star Bank, SSB. First Star and OF ST. LOUIS has filed an application and federal savings banks in eight Texas Star are also majority-owned by Farmers Bank & Trust Company, states and eastern MO. subsidiaries of Southern Bancshares. Magnolia, to merge with 1st Bank, N. Kiefer’s promotion was effective Upon the consummation of the merg- A., Texarkana, TX, and to retain the ac- in November after serving as acting ers, all assets and liabilities of First quired facilities as branch offices. deputy comptroller in the Northeast- Star and Texas Star will become as- Louisiana ern District. She began her OCC career sets and liabilities of Lone Star Bank, CRA COMPLIANCE as an entry-level bank examiner in SSB. Following the mergers of First The FEDERAL DEPOSIT INSUR- 1979 and has progressed through the Star and Texas Star with and into Lone ANCE CORPORATION has reported superviory ranks. She manages a staff Star, Lone Star will be the sole survi- in its November 2014 list of banks ex- of 350 bank examiners and support vor of the mergers and will continue amined for CRA complaince that Lib- personnel. The district oversees more to operate its home office in Moulton erty Bank and Trust Company, New than 300 community banks and fed- and existing branches and offices of Orleans, has received an outstanding eral savings banks in 16 states, Puerto First Star and Texas Star CRA rating. Q Rico, and the Virgin Islands Q Oklahoma BRANCHES The FRB OF KANSAS CITY has filed an application by Bank SNB, Stillwater, to establish a branch at 301 Commerce St., Ste. 3100, Fort Worth, TX. Texas BRANCHES The OCC has received an applica- tion by Austin Bank, Texas N. A., Jack- sonville, for a branch at 1022 S. John Redditt Dr., Lufkin. The TEXAS DEPARTMENT OF BANKING has updated a previously

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November 24, 2014 BANKERS DIGEST Page 9 C L A S S I F I E D Typical loans $3-5 mm. C&I, O-O, WEST HOUSTON/SUGAR LAND: B a n k e r s D i g e s t CRE. Kevin Maynes, Babich & As- Regional independent bank seeks HOW TO CONTACT US sociates, [email protected], 214- highly-experienced, local Commer- Email [email protected] 515-7606. cial Lender to lead both markets in Fax: 214/221-4546. Phone: 214/221-4544. new growth. Very strong compen- P.O. Box 743006, Dallas, Texas 75374--3006 Branch President needed for a sation package, car, local decision- bank in Childress County, TX. Must To place an ad, email it to have 10 years experience. Call making. Mark Mitchell, 972-335- [email protected] Elizabeth at 214-515-7609 or send 9009, www. lonestarsearch.net. We will contact you for details. resume to [email protected], Advertising rates are $45.00 for the first https://www.linkedin.com/in/eliza- Commercial Lender, North 30 words; $10.00 for each additional 10 bethmurphy10, twitter.com/babi- Central Texas: Growing, ex- words per insertion. Ads which use a chGreatJobs tremely stable community bank con- Bankers Digest box number for forward- venient to Metroplex seeks experi- ing responses will be charged $5.00 Community Lender: Bank in enced, small-town-friendly lender Eastern New Mexico community has additional per insertion for postage and to begin portfolio transition due to handling. Ads run on Bankers Digest management succession opportu- pending retirement. Must be strong website for the duration of the advertis- nity and less-hectic lifestyle. Insti- business developer. Mark Mitchell, ing agreement at no additional charge. tution prefers banker from the NM Only Principals will be assigned box region or West TX. Mark Mitchell, 972-335-9009, www.lonestarsearch. numbers. Responses to Bankers Digest 972-335-9009, www.lonestarsearch.net. net. boxes are forwarded twice weekly. Ad- vertising deadline is Monday noon for following Monday’s publication. Bank- ers Digest makes no representations or warranties for information, products, or services contained in any advertisement 301 Commerce Street, Suite 1950 herein or on our website. Fort Worth, Texas 76102 Recruiting and Placement Services for Banking Positions at All Levels SERVICES For additional information, please contact DAVID FARMER INTERNAL AUDIT OUTSOURCING: Time to improve or develop your in- 817.877.4120 or 817.877.0014 Visit our website to see a current listing ternal audit function? Our firm can 817.877.3846 Fax of recruitment opportunities [email protected] www.whitneysmithco.com help!! We provide administrative guidance or training to your person- nel or will handle all your internal audit needs. Oversight, operational, IT, regulatory compliance, FDICIA and SOX; we can assist your com- pany in all facets of internal audit- ing. Call Bryan Kendrick to discuss at 210/413-4134 or e-mail bryan@ kendrickservices.com.

POSITIONS AVAILABLE

EAST TEXAS LENDER for finan- cially strong community bank. Great growth opportunity for the right person. Send resume to Sharon@ babich.com or call 972-802-7638 or 469-223-9885 for additional in- formation.

Austin COMMERCIAL LENDER. Texas based bank with over $2 bil- lion in assets continues to grow.

Page 10 BANKERS DIGEST November 24, 2014 C L A S S I F I E D $400M independent community bank COMMERCIAL LENDER – 100+ year- loan information. Corresponds with in East Texas has an opening for a old community bank is expanding title and abstract companies, insur- COMPLIANCE OFFICER. Must have its CENTRAL TEXAS lending efforts ance companies, and attorneys for compliance experience. Send resume and seeks an experienced lender loan documentation. Requires ex- in confidence to bankersdigest@ bank- with a strong desire to be part of a tensive knowledge of all commer- ersdigest.com, subject line Box D-5. growing and moving organization. cial, mortgage, and consumer loans. Resume to rwomble@roscoestate- Experience with MS Excel/Word, A $250 Million Dollar Bank in Dallas, bank.com Jack Henry, Compliance One. Hours: Texas is seeking a Chief Credit Of- 8:00 a.m. to 5:00 p.m. Send resumes ficer responsible for providing sup- SENIOR LENDING OFFICER needed to: [email protected] EOE. port and direction in the development for a well-established, growing com- and management of the bank’s loan munity bank in Southeastern New SR TRUST OFFICER in Odessa, TX, portfolios. Duties include establish- Mexico. Must have a bachelor’s needed. Trust management experi- ment and monitoring of credit policies degree and a minimum of five years ence and existing portfolio strongly and procedures designed to ensure experience in commercial lending. preferred. The right candidate will compliance with regulatory guidance Good salary and benefits available. be placed on fast track to lead de- and industry best practices, providing Please contact Betty Egbom, EVP/ partment. Competitive compensa- guidance to lending officers on ana- Marketing & Human Resources, at tion and benefits offered. Please lytical considerations, structural recom- 575-234-2510 or send resume to be- send resume and salary require- mendations, approval processes, legal [email protected] ments to bankersdigest@bankers- documentation, and servicing matters; digest.com, subject line Box N-1. managing credit support staff includ- Wellington State Bank is looking for ing documentation specialists, rela- a Branch President for its Chil- OPERATIONS OFFICER/CASHIER tionship managers, loan officers, and dress, TX, location. Preferred position available with a strongly credit analysts; coordinating regulatory candidate must have people skills capitalized small community bank audits and loan review examinations and be willing to be active in the in east Texas. Must have bank oper- (as related to credit risk management); community. Prefer at least 10 years ations experience, specifically BSA/ analyzing portfolio risk, mix, concentra- overall lending experience with the AML, cash operations, accounting, ability to put together loan pack- tions, and diversification; performance audits, audit preparation, basic hu- ages and make quality credit deci- man resources, payroll, accounts of loan portfolio analysis including sions. Agricultural knowledge is a payable, investments, and regula- calculation of the allowance for loan plus. Compensation based upon ex- tory issues. Include salary history losses, impairment assessments, and perience. Quality benefit package. with resume; send to rreed@grape- CRE stress testing; and preparation of Great opportunity for the right indi- landstatebank.com reports ensuring that management and vidual. Contact Richard Sims Wel- the board of directors are apprised of lington State Bank, PO Box 1032, Community National Bank & Trust loan portfolio risks and performance. Wellington, TX 79095. of Texas, Corsicana, is seeking a The position plays an integral part in TRUST OFFICER for its $225 million identifying and minimizing the bank’s GRAND BANK seeking to hire expe- department due to a pending retire- credit risk exposure and providing as- rienced individual for the position ment. Duties include administering set quality oversight. Complete credit of Loan Specialist III. Provides a variety of accounts; investment ex- analysis, loan underwriting, and pro- daily support to loan officers includ- perience preferred. Minimum of 5 cessing activities for commercial and ing documenting and interpreting years experience. Interested appli- producer accounts. 10-15 years experi- ence required. Respond to bankersdi- [email protected], subject line Box O-3.

First Financial Bank in Granbury has an opening for a Vice President Customized Recruitment Services Commercial Lender. Successful Compensation and Retention Consulting candidate will have 3-5 years experi- Competitive Fees ence, with strong credit skills, proven Bank Consulting leadership abilities, and desire to For information on all of our services, please contact: be part of the community and senior Ron Schneider management team. Interested ap- 28 years of Executive Banking Management Experience plicants may contact Vickie Pettit at 817-370-1525 or [email protected] [email protected] for more information Professional Assistance for Banks or apply online at www.ffin.com. AA/ www.skysixassociates.com EEO/Veterans/Disabled employer.

November 24, 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.

cant should contact Misty Louthan, and benefit package. Please send Contact: [email protected] [email protected] resume to National Bank of Com- merce, P.O. Box 2750, Pampa, TX FOR SALE OR LEASE: MODULAR Commercial lender for bank 79066 or call 806-665-0022. BANK BUILDINGS. Immediate- in Childress, TX. Individual ly available, 14’ x 66’ or 24’ x 66’, would ideally have several years of EQUIPMENT equipped with bank equipment in- lending experience, but recent col- cluding drive-thru. Nancy Noonan, lege graduate would be considered. FOR SALE: Opteva 750 – Advanced- Sanger, TX, 940-391-1385, www. This individual would be branch function, Island Drive-Up ATM. ADA NorthAmericanBuildings.com. manager and responsible for sev- compliant. Contact 580-222-8080 eral employees and loan portfolio. for details. Mobile Bank for Sale: Wired for Also would be expected to gener- Networking, Drive-Through Window, ate deposit and loan business and FULLY OPERATIONAL BRANCH Two Interior Teller Stations, New haltner third page ad 814.pdf 1 8/5/14 9:29 PM be actively involved in community. BANK available. Located on U.S. Account Area, Night Depository and Bank offering nice compensation Highway 380 in Little Elm, Texas. Second Vault, Two Offices, Work Area, Communications Closet, Stor- age Room, and Bathroom. Includes four desks and two storage cabinets in good condition. $55,000.00. For images: https://www.peoplesbank- texas.com/mobilebank. Contact William at 806-794-0044.

BANKING EQUIPMENT NEW AND USED: x2 units, fireproof files-notes, le- gal and letter, Money safes. FLAIR SYS- C TEMS, 800/468-1246, 214/340-3580. M

Y FEATURE (continued from Page 8) CM

MY Participation in information-sharing

CY forums is an important element of community banks’ risk management CMY processes and their ability to identify, K respond to, and mitigate cyber threats and incidents. For further information, visit (http:// www.ffiec.gov/press/PDF/FFIEC_Cyberse- curity_Assessment_Observations.pdf) and (http://www.occ.treas.gov/news-issuances/ bulletins/2014/bulletin-2014-53b.pdf) or contact the Operational Risk Division at (202) 649-6550, Carolyn G. DuCh- ene, Deputy Comptroller for Opera- tional Risk at the OCC Q Page 12 BANKERS DIGEST November 24, 2014