February 10, 2014 www.bankersdigest.com Volume 144, No. 6 Karnes Follows Bagley as Chief Credit Officer, Simmons Taps Bridges Prosperity; Friemel, Epps, and Hollaway Promoted Consultant for Transition Prosperity Bancshares Inc.®, Hous- Prosperity and the bank have also Lunsford Bridges, long-time presi- ton, TX, the parent company of Pros- made several changes in the cor- dent/CEO of Metropolitan National perity Bank®, El porate area. Mi- Bank, Little Rock, Campo, TX, has chael Epps, the AR, is now con- announced sev- former president sulting in a “su- eral management of American State pervisory role” for changes, accord- Bank, has been Simmons First ing to David Zal- promoted to se- National Bank, man, chairman/ nior EVP/financial Pine Bluff, AR, CEO of Prosperity. operations and which acquired Chris Bagley, EVP administration of Metropolitan in Karnes and chief credit of- Epps the bank and EVP Bridges 2013. The news ficer of Prosperity of Prosperity, and was reported in an and senior EVP and chief credit officer will serve on the executive commit- article by Jan Cottingham at arkansas- of the bank, has resigned to pursue tee of the bank and Prosperity. He had business.com. another opportunity. been serving as the area chairman of “During his 50-year career he’s built Merle Karnes, the former chief the bank’s West area. up quite a few relationships through- credit officer of American State Bank, Further, Theresa Hollaway has out Arkansas and in the banking Lubbock, TX, which Prosperity ac- been promoted to chief risk officer world,” Simmons First spokesman quired in 2012, of the bank. She has served with the Amy Johnson said. “He’s thought of will serve as chief bank for 23 years in various capacities as awfully important and we want to credit officer of the within the operational departments, keep him engaged with us and in- bank. He has 40 including overseeing many aspects volved in the transition.” years of commer- of the operational integration of ac- Simmons is merging Metropoli- cial credit experi- quired banks. tan into the Pine Bluff bank. Marty ence in the follow- Additional changes made in the Casteel, chairman/CEO of Simmons ing areas – large Area are the promotions First National Bank, retains that title corporate, middle of Tony Whitehead, president – West and is responsible for overseeing the Friemel market, small Texas area, to chairman – West Texas merged operations of the two banks Q business, commer- area, and of Mike Marshall and Gary Please route this issue: cial finance, credit policy/administra- Galbraith as presidents of the West tion, loan workout, and loan review. Texas area. Marshall was the regional He began his career in the manage- president of the Midland/Odessa mar- ment training program at First Na- ket, and Galbraith was the regional tional Bank in Dallas. president of the Abilene market. In This Issue... Craig Friemel, the former chief Finally, the board of directors for credit officer of First Victoria National Prosperity has nominated William T. To Train...Or Not to Train Bank (“FVNB”), which Prosperity ac- Luedke IV for election as a director Feature...... 3 quired in November 2013, will oversee of Prosperity at the annual meeting of the note department and will report to shareholders scheduled for April 15, Newswatch: M&A Activity.....6,7 Karnes. Friemel served as chief credit 2014. He is a partner in the financial officer of FVNB for eight years and pri- institutions section at Bracewell & Gi- Charter Activity...... 8 or to that, served as the head of com- uliani LLP, where he has practiced for Classified...... 9 mercial lending at FVNB for 22 years. 35 years Q p e o p l e TEXAS First Bank & Trust, Lubbock, Announces Promotions Molly Hall has been promoted to AVP and teller supervisor. Barry Orr, chairman/CEO, FirstBank cent promotions. Andy Hartman has Brandon Tidwell is now AVP and IT & Trust, Lubbock, has announced re- been promoted to SVP and chief mar- manager. keting officer. He Anita Ritter is has more than 14 now banking offi- NOW AVAILABLE years experience cer in deposit op- Print Online eBook in the marketing erations. industry. Lacie Dillard Stephen will serve as bank- 2013 Fall Edition Quisenberry, with ing officer in de- more than 18 years posit operations. experience in the Promotions at technology area, is Hartman Lewis PrimeWest Mort- now SVP and chief gage include: Al- technology officer. lyn Piland, a nine Casey Lewis, who has served in year employee, to EVP; Tracy McAli- banking for over 15 years, is now a se- ster will serve as senior VP and un- nior VP and chief compliance officer. derwriting manager; Jeff Sicking will Matt Graves has been promoted to serve as senior senior VP. He will VP and mortgage continue to serve as branch presi- loan officer in the dent of the South Decatur office; Location. Larissa Cable to AVP and mortgage For the online version, go to Alex Orr has been promoted loan officer; Cole www.texasredbookonline.com to VP and com- Klinkebiel to AVP mercial lender. in the underwrit- Online subscriptions less than He is an eight- ing department; $10 per month! Quisenberry year bank em- Graves Jessica Snead ployee. to AVP and lead To order your print version call Jared Townsend is now VP and mortgage processor; and Alexz An- 800-336-1120 ext. 7053, or visit commercial lender. derson to banking officer in the ac- Stacy Bohn is now AVP and depos- www.texasredbook.com counting department Q it operations supervisor. Bankers Digest® Established 1942 Do You Own Your ATMs Outsource ATM handles all the A Weekly Bank News Magazine or Do They Own You? work, while you reap the benefits. (USPS 041180) Published weekly on Monday except fifth Mondays The smart way to get the most at 9516 Bill Browne Lane, Dallas, Texas 75243 out of your ATM network. 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 Bottom-line Value in Own the Benefits, Digest. We make no representations or war- Not the Hardware. ranties for information, products, or services ATM Outsourcing. contained in any advertisement in this maga- www.outsourceatm.com zine or on our website. Editorial guidelines may be obtained upon request. Articles and Contact us today, 281.304.2204 photos may be submitted to above address. [email protected] 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 February 10, 2014 F E A T U R E T R A I N I N G compatibility of the interviewee’s per- The other way of assessing per- sonality with existing personnel, a few sonality and compatibility centers To Train....or Not to Train simple steps can be taken. The first is on previous employees and previous to have the candidate interview with jobs. How the candidate feels about her present job or past jobs, present By most of the people he will be working or past employers will tell exactly how Anthony Beshara, Ph.D., President with and for. Interview him/her on a she will feel about the new job and the Babich & Associates social level as well as professional. An new employer. Dallas, Texas off-site dinner with spouse or date can Careful and detailed questioning of www.babich.com reveal the personal values this person holds. Careful observation and listen- previous employers, even peers with In an earlier ing in these social interviews will give whom the person has worked in the article, Tony the prospective employer a chance to past will give a prospective employer BD Beshara ad- assess the personality of the candi- dressed hir- date. (continued on Page 11) ing candi- FEATURE dates who need to be trained. In this issue he discusses aspects of hiring experienced candi- dates.

What “Experience” Means With careful interviewing, hiring someone who needs no training in the function of what we do can be an answer to a tough immediate prob- lem. The major reason we try to hire experienced people is that we think we know the person has “been” where we are at least once before. The ma- jor advantage. we believe, is that they know what they are getting into and we know they know. We know what to expect and can reasonably measure their previous success doing it. There are some risks, though, that can ensure a more successful hire. First of all, don’t assume! To assume, as the old saying goes, makes an ass out of you and me. The key is to ques- tion, question, and further question in detail during interviews to get de- tailed, exact previous functions, to be sure the candidate has experience in exactly what we need. One way to ensure success in hiring an experienced person is to recognize the personality aspects of employ- ment. Overwhelming evidence of al- most every study conducted to deter- mine why employees leave positions or get fired indicates that the most prominent reason is personality con- flicts. This fact is especially significant when the candidate being considered has been in the job market more than ten years. His or her work habits as well as the work personality have al- ready been formed. To assess the

February 10, 2014 BANKERS DIGEST Page 3 p e o p l e TEXAS Allen Group Manager, Naumann Named VP/BDO, Williamson Is Dallas Pres, Comerica PlainsCapital Bank in Austin Happy State Bank Addison Comerica Bank, Dallas, has announced PlainsCapital Bank in Austin has an- Mikel Williamson has recently been that Senior VP Lane Allen has been nounced the hiring of Cody Naumann named Dallas president at Happy promoted to senior as vice president and commercial State Bank’s Addison location. He VP and group man- lending and business development for succeeds Kerry Adair, who resigned ager for business its Lakeway/south Lake Travis market after serving as Dallas president for banking for the area. Happy State Bank and earlier as presi- San Antonio mar- Naumann has 18 years of financial dent of Signature Bank, Dallas, which ket. Previously, he services industry experience in the Happy Bancshares acquired in 2012. served as senior VP Austin market. He previously served Williamson previously served at leadingComerica’s as vice president and private banker Capital One, JPMorgan Chase Bank, North Dallas busi- at Regions Morgan Keegan Private and Bank of America. He is a graduate Allen ness banking team Bank, premier banker/client manager of Furman University. as group manager. at Bank of America, and financial advi- The Happy State Bank Dallas lo- Allen served in sor at Raymond James & Associates. cation is at 16633 North Dallas Pkwy., his previous positin in Dallas for more He has been active in community Ste. 350, in Addison Q than three years. Prior to joining Com- and civic affairs in the Lake Travis area erica, he served as vice president and for several years Q Childers Joins American NB, commercial banker at Bank of Texas, vice president and business banker Retired 49-Year Dallas Banker Center Manager in Terrell at Wachovia, and vice president and James G. “Jim” Storey Dies American National Bank of Texas, Ter- small business banker at Compass rell, recently announced the hiring of Retired 49-year banker James G. Bank. He began his banking career at Matthew Childers to banking center “Jim” Storey died at his Dallas home manager in Terrell. Childers takes 12 JPMorgan Chase Bank. on January 28. He was 81. years of banking experience to the He earned an MBA degree from Storey served as an officer in the au- position at 102 W. Moore Ave. Karma SMU’s Cox School of Business and a diting division and in the operations Hicks, retail regional manager, made BBA degree in marketing from Texas department of First National Bank in the announcement. A&M University Q Dallas/InterFirst Bank-Dallas and later Childers has been involved with with Bank of Dallas. His banking ca- Subscribe to Bankers Digest the Kaufman Chamber of Commerce, reer was interrupted by military ser- Online/Digital Edition Kaufman Lions Club, Habitat for Hu- vice during the Korean Conflict, where manity, and the Lavon City Council. http://www.bankersdigest.com he was a decorated service member Q He attended LeTourneau University in Tyler Q Jones Named Lending Officer at Shelby Savings Josh Jones has been named lending officer at the main Center location of Shelby Savings Bank, SSB. Jones joined the institution after graduating from Texas A&M University last spring with a degree in history and business. In September he was named a lending officer at the main bank. Shelby Savings, a $264 million- asset state chartered thrift institution, has two locations in Center, as well as branches in San Augustine and Hemphill Q

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Page 4 BANKERS DIGEST February 10, 2014 p e o p l e ARKANSAS First Security Pres Hutsell Snyder Is VP/Compliance, Ferree Pres, McGowan Elected to FHLB Dallas Bd Dilley and Harris Promoted CFO, Gateway Mortgage The Federal Home Loan Bank of Dal- Tammy Jo Snyder has joined Spen- Gateway Mortgage Group, a Tulsa- las (FHLB Dallas) announced the re- cer-based Advantage Bank as vice based privately-held mortgage com- cent election of Michael C. Hutsell president and compliance officer. pany offering originations, servicing, to FHLB Dallas’ Snyder began her banking career and correspondent lending, has an- board of directors. at Midwest National Bank, where she nounced Alan Ferree as its new presi- His term began in was a proof operator. She later served dent. Ferree has nearly three decades January 2014. He as a teller and worked her way up to of experience in the mortgage banking will serve a four-year branch manager of the Tinker Air Force industry and assumed the position term expiring on operations of First National Bank of immediately. Kevin Stitt, CEO of Gate- December 31, 2017. Midwest City (now known as FNB way, made the announcement. Hutsell has more Community Bank), where she served Ferree joined Gateway in 2010 as than 25 years of for 18 years. She has also served as CFO and has played an integral part banking industry Hutsell operations officer at First National in shaping the company’s operational experience. Cur- Bank of Oklahoma and as a branch structure and overall strategic plan. rently, he serves as president and di- manager at First Fidelity Bank. She is He started his career in public ac- rector of First Security Bank in Searcy. a graduate of Rose State College. counting and has held senior level po- He previously served as executive vice The bank has also announced the sitions responsible for managing all president and operations officer. Be- promotion of Cindy Dilley to personal mortgage banking operations. fore launching his banking career, he banker in Spencer and Rebecca Har- Replacing Ferree as CFO is former held several senior accounting posi- ris to assistant branch manager in TX banker and mortgage veteran Pat- tions as a CPA with CPA firms in AR. Midwest City. rick McGowan. His career spans 17 He will serve on the board’s Afford- Dilley joined Advantage Bank in years and includes senior level ex- able Housing and Economic Develop- 2011 as a teller, was promoted to lend- ecutive positions in Dallas for Texas ing assistant in 2012, and has been Capital Bank, Centex Home Equity ment and Audit committees Q cross trained in other departments. Corporation, former Highlands Bank, Harris joined the bank in 2008 as and most recently as EVP and CFO LOUISIANA a teller. She has been trained in other for Collin Bank, Plano, which merged Guaranty Delhi Pres Christman departments and was named personal in December 2013 with Independent banker in 2011 at the Midwest City Bank, McKinney, TX. Elected to FHLB Dallas Bd location. She now serves as the assis- Gateway finished 2013 with over The Federal Home Loan Bank of Dal- tant branch manager of the Midwest $1.7 billion in mortgage loan origina- las (FHLB Dallas) welcomes Albert C. City location at 10100 SE 15th St. Q tions generated across 23 states Q Christman to its board of directors. His term began on January 1, 2014. He will serve a four-year term expiring on December 31, 2017. Christman has more than 30 years of banking industry experi- ence. Currently he serves as presi- dent/CEO of Guar- anty Bank & Trust Christman Company of Delhi. Prior to joining Guaranty Bank, he served as president/CEO of TYCHE Inc., a health management company. He is also a member of the Louisiana Bankers Association and is past chair- man of its board of directors. He has been appointed to serve on the board’s Strategic Planning and Risk Management committees Q

February 10, 2014 BANKERS DIGEST Page 5 N E W S W A T C H ARKANSAS DEPOSIT ACCOUNT FRAUD Bank of the Ozarks and Summit Bancorp Announce Banks Stop $13 Billion in Merger Plans in Transaction Valued at $216 Million Fraud Attempts in 2012 Bank of the Ozarks Inc., Little Rock, quire all of the outstanding common The nation’s banks stopped $9 out of announced January 30 that it has en- stock of Summit in a stock/cash trans- every $10 of attempted deposit ac- tered into a definitive agreement and action valued at approximately $216 count fraud in 2012, according to the plan of merger with Summit Bancorp, million, subject to potential adjust- 2013 American Bankers Association Inc. (“Summit”) and its wholly-owned ments. (ABA) Deposit Account Fraud Survey bank subsidiary Summit Bank (“Sum- Summit Bank operates 23 banking Report. While attempted fraud against mit Bank”) Arkadelphia. According to offices and one LPO in nine AR coun- bank deposit accounts reached $14.8 the terms of the Agreement, Bank of ties. At December 31, 2013, Summit billion, banks’ prevention measures the Ozarks Inc. (“Company”) will ac- Bank had approximately $1.2 billion stopped $13 billion in fraudulent of total assets, $778 million of loans, transactions. and $994 million of deposits. Summit “Bank and customer vigilance has Bank originated from a charter granted successfully stopped the vast majority in 1996 to Horizon Bank of Columbia of fraud attempts,” said Doug John- County, AR. In February 2000, its name son, vice president of risk manage- was changed to Summit Bank and ex- ment policy at ABA. “Protecting your pansion began throughout southwest money is a partnership between you and central AR. and your bank. The most effective loss Ross Whipple, chairman/CEO of Summit and Summit Bank, stated, prevention happens when the bank “I’m proud of the organization we’ve and customer work together.” built over the past fourteen years at Debit card fraud accounted for 54% Summit Bank and equally proud to of industry loss, followed by check join forces with Bank of the Ozarks.” fraud at 37%, and online banking and Following closing of the transaction, electronic transactions, such as wire Whipple is expected to be elected to and ACH, at 9%, according to the re- the boards of directors for Bank of the port. Ozarks Inc. and Bank of the Ozarks. The leading types of debit fraud Upon the closing of the transaction, were counterfeit cards, card-not- Summit will merge into the Company present transactions, and lost or sto- and Summit Bank will merge into the len cards. The most common check Company’s wholly-owned bank sub- fraud categories were return depos- sidiary, Bank of the Ozarks. Comple- ited items, forgeries, and counterfeit tion of the transaction is subject to checks. certain closing conditions, including “We’ve been tracking these industry customary regulatory approvals and trends since 1993, and ABA remains the approval of the shareholders of the most comprehensive and indis- Summit. The transaction is expected pensable resource for deposit account to close by the end of the second fraud data,” said Jane Yao, senior vice quarter of 2014. president of benchmarking and sur- Summit is the largest acquisition in veys at ABA. “This year was the first the Company’s history, and its first in time we attempted to establish fraud AR since the purchase of River Valley against deposit accounts taking into Bank of Russellville in 2003. The Com- pany’s stock went public in July 1997. consideration all channels.” Bank of the Ozarks was the second- The deposit account fraud survey largest bank chartered in AR as ranked was conducted between March and by assets — $4.7 billion — as of Sep- July of 2013. The survey report is based tember 30, 2013. Summit ranked sixth on responses from 145 banks with an in AR by assets, with $1.2 billion. aggregate of $6.2 trillion in total as- Bank of the Ozarks has 136 offices, sets. including 66 in AR. Bank of the Ozarks The price of the 200-page report is and Summit have branch overlap in $400 for ABA members and $800 for central AR, especially in Saline and non-members. For more information Garland counties, and branch consoli- or to order, call 1-800-BANKERS or visit aba.com dations will follow the combination Q Q Page 6 BANKERS DIGEST February 10, 2014 N E W S W A t c h TEXAS First National Hughes Springs/Citizens State Tenaha Merger Receives Regulatory Okay Mayo Kasling Jr., president/CEO of have enjoyed over the years.” 1903 and reported total assets of $200 First National Bank of Hughes Springs, First National Bank of Hughes million as of September 30, 2013. and Don Dial, president/CEO of Citi- Springs has a long history of providing Kasling, who has served as presi- zens State Bank of Tenaha, announced financial needs in small communities. dent since 1985, said, “... Our strategic in late December 2013 the two finan- The bank, headquartered in Northeast plan is to operate in small commu- cial institutions have reached a de- TX, currently has nine branches along nities throughout the state of Texas finitive agreement for the purchase of the US Hwy. 59 corridor from Texar- where we believe the old axiom ‘You Citizens State Bank by First National kana south to Tenaha, and in Hughes take care of your community and your Bank of Hughes Springs. The news Springs, Kilgore, and Daingerfield. community will take care of you’ is was reported in an article on lightand First National Bank was chartered in still alive.” champion.com. Q Pending regulatory approval the transaction was expected to close in January 2014. The OCC in late January approved an application filed by First National Bank for the proposed merger. Citizens State Bank of Tenaha has served Tenaha and surrounding Shel- by County area in Deep East TX since it was established in January 1960. As of September 30, 2013, the bank re- ported total assets of $36.5 million. Dial said: ”First National Bank Hughes Springs has the same com- munity bank culture and commitment Citizens State Bank has provided in the past 53 years to our customers and will be an excellent partner for the future. Banking customers will see the same familiar faces and service they IBAT’s Teach the Teacher™ Program Receives Grant The Education Foundation of the In- dependent Bankers Association of Texas (IBAT) was recently awarded a $30,000 grant from the Office of Con- sumer Credit Commissioner (OCCC), which administers the Texas Financial Education Endowment (TFEE) Fund, to support its Teach the Teacher™ financial literacy program. The pur- pose of the TFEE grant program is to support statewide financial literacy and education programs as well as ac- tivities and programs that build con- sumer credit. IBAT also announced that the pro- gram has been awarded The Power of A Silver Award by the American Soci- ety of Association Executives (ASAE). The award is one of the highest awards given by ASAE and honors associa- tions that engage in activities and ini- tiatives that are essential to building stronger communities Q February 10, 2014 BANKERS DIGEST Page 7 R E G U L A T O R S BANK FAILURES ID Bank Fails; Total YTD 2014 Failures Stand at Three C h a r t e r The Idaho Department of Finance ness hours. closed Syringa Bank, Boise, on Janu- Sunwest Bank will pay the FDIC a ary 31, and appointed the FDIC receiv- premium of 0.75% to assume all of the a c t i v i t y er. The FDIC entered into a P&A agree- deposits of Syringa Bank. Texas ment with Sunwest Bank, Irvine, CA, As of September 30, 2013, Syringa BRANCHES to assume all of the deposits and to Bank had approximately $153.4 mil- The OFFICE OF THE COMP- purchase essentially all of the assets. lion in total assets and $145.1 million TROLLER OF THE CURRENCY has The six former branches of Syringa in total deposits. received an application by Wells Far- were to reopen as branches of Sun- The failure is the first in ID since go Bank, N. A., Sioux Falls, SD, for a west Bank during their normal busi- 2009 Q branch at 115 School Rd., Ingram. MERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK We’re welcoming OF DALLAS has received an applica- banks into the tion by SSB Bancshares Inc., Anahuac, to become a bank holding company Bankers Bancorp by acquiring 100% of Security State Bank, Anahuac. family The FRB OF DALLAS has received We are always excited to an application by Linda Ellis McGar- First Capital Bank Peoples Bank & Trust Co. welcome new shareholder raugh, Perryton, individually, and to- Quanah/Wichita Falls, TX Ryan, OK banks and their input to gether with Benjamin Drew Ellis II, The Bankers Bank. When Perryton; Dennis Scott McGarraugh, you invest in us we put Perryton; Drew S. McGarraugh, Ed- your money to work for mond, OK; Kris McGarraugh Wooten, you. Contact us today to Edmond, OK; Carl W. Ellis, Imperial find out how your bank Beach, CA, as Trustee of the Carl El- can become a Bankers lis Separate Property FPB Stock Revo- Bancorp shareholder. cable Trust and as Co-Trustee of the Ellis Family Trust; and Julianne Ellis, Texana Bank, N.A. American State Bank Imperial Beach, CA, as Co-Trustee of Linden, TX Arp, TX B A N K E R S B A N C O R P O F O K L A H O M A , I N C . the Ellis Family Trust; the Carl Ellis MEMBER FEDER AL RESERVE SYSTEM Separate Property FPB Stock Revo- w w w . t h e b a n k e r s b a n k . c o m • 8 0 0 - 5 2 2 - 9 2 2 0 cable Trust, Perryton; and the Ellis Family Trust, Imperial Beach, CA, to acquire 10% or more of the shares of FirstPerryton Bancorp Inc., Perry- BANK DESIGN SPECIALIST ton, and thereby indirectly, FirstBank Endorsed Provider Southwest, Amarillo. The OCC has approved an appli- cation by The First National Bank of Hughes Springs, Hughes Springs, to merge with Citizens State Bank, Te- naha, with the resultant institution The First National Bank of Hughes Springs. The TEXAS DEPARTMENT OF BANKING has received an applica- tion by First State Bank in Tuscola, Tuscola, for a merger with and into Texas National Bank, Sweetwater. NAME CHANGE The OCC has announced an appli- cation by First National Bank, George West, for new corporate title, South- Trust Bank, N. A., was effective Octo- ber 10, 2013 Q Page 8 BANKERS DIGEST February 10, 2014 C L A S S I F I E D B a n k e r s D i g e s t SERVICES NEED AN IT AUDIT?? Many banks have recently brought their informa- HOW TO CONTACT US tion technology functions in-house. Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dallas, TX When this is done, new and differ- 75374-3006. Fax: 214/221-4546. Phone: 214/221-4544. ent kinds of risks arise from both an operational and regulatory stand- email: [email protected] point. We can provide you with ex- actly what you need to assure your Advertising rates are $45.00 for the first 30 words;$10.00 for each addi- IT operations are controlled ade- tional 10 words per insertion. Ads which use a Bankers Digest box number quately and in a manner prescribed for forwarding responses will be charged $5.00 additional per insertion for by your regulator. Need FDICIA or postage and handling. Ads run on Bankers Digest website for the duration of the advertising agreement at no additional charge. Only Principals will be as- signed box numbers. Responses to Bankers Digest boxes are forwarded twice SUCCESSION PLANNING weekly. Advertising deadline is Monday noon for following Monday’s publica- Far too often, banks are tion. Bankers Digest makes no representations or warranties for information, caught up in the cycle where products, or services contained in any advertisement herein or on our website. Succession Planning should be at the forefront but in all honesty, it falls to the wayside down to the bottom of the famous “To Do List”. As the famous Zig Ziglar would quote, “Fail to plan, plan to 301 Commerce Street, Suite 1950 fail”. Planning does not only Fort Worth, Texas 76102 include the daily operations Recruiting and Placement Services of your organization for success, but staffing planning for Banking Positions at All Levels as well. Very few banks bring For additional information, please contact in an understudy for key DAVID FARMER executive positions within 817.877.4120 or 817.877.0014 Visit our website to see a current listing their organization. As we are 817.877.3846 Fax of recruitment opportunities not promised tomorrow, these [email protected] www.whitneysmithco.com individuals should be in place in case life throws us a curve. With the continued changing climate in the banking industry, more often than not are we seeing regulators request this of our banks. What have you done with your planning to save your bank from the stresses this causes on the organization as a whole? Contact us today to help you create this vital plan for your team. Office Locations Calhoun, LA 318-644-6436 Jacksonville, FL 904-713-2550 Email [email protected] SNI FINANCIAL® DIVISION OF SNI COMPANIES

Page 9 BANKERS DIGEST February 10, 2014 C L A S S I F I E D at www.bankhr.net or e-mail: bmc- have compliance experience. Send TEXAS DEPARTMENT OF [email protected] resume in confidence to bankers SAVINGS AND MORTGAGE [email protected], subject LENDING POSITION WANTED line Box D-5. Commissioner Position available June 1, 2014. Credit Administration Offi- New Mexico bank seeks full-time Open until filled. Job description, cer Employed community banker Special Assets Officer (SAO) minimum qualifications, and with 25+ years CRE, SFR, & C&I to work out a small but significant application instructions at lending and credit experience seeks dollar percentage of classified www.fc.state.tx.us. hands on credit management posi- and OREO loans. Once that task is tion. Successful background: lend- completed, the position will transi- Texas Department of Savings and Mortgage ing, underwriting, workouts, litiga- tion into a Chief Credit Officer Lending is an Equal Opportunity Employer. tion, ORE, interpersonal skills. Able (CCO) or Commercial Lender to relocate. [email protected] (CL) depending on the need at that SOX assistance? Call Bryan Kend- time. The SAO position requires a rick to discuss at 210/413-4134 or e- POSITIONS AVAILABLE thorough understanding of problem mail [email protected]. loans and the ability to relate that RETAIL BANKING MANAGER information to the board, manage- Affirmative Action Plan/EEO- NEEDED FOR COMMUNITY BANK ment, and regulators. Salary com- 1 Compliance. Do you have 50 or to manage and run 10+ branches mensurate with experience. Please more employees? Is your Affirmative around Texas. Send resume to Sha- respond to bankersdigest@bank- Action Plan need updating or need [email protected], www.babich.com, ersdigest.com, subject line Box O-3. to have one in place for the new or call 214-823-9999 #356. amendments? No contract to sign. Extraco Banks is seeking a Cred- Pay less for all your HR compliance VP/Credit Analyst/UW - Rela- it Analyst to join our team. This needs. For more information visit us tionship Manager – . position is located in Waco, Texas. Energy Reserve based lending. College education with emphasis in Please write or call Kevin@Babich. finance, accounting or economics, com, 214-823-9999. MBA preferred. We are an Equal Opportunity Employer M/F. Extraco COMMERCIAL LENDERS needed provides reasonable accommoda- 3-7 years experience . tion for persons with disability. To Generous base salary. Call Elizabeth apply for this position, please sub- at 214-823-9999 or send resume to mit your resume to recruiting@ex- [email protected] www.babich. tracobanks.com and include the com position name and location in the subject line. Austin Lender: Texas bank pre- fers C&I, CRE, $1-4MM avg. credit Strong, Texas based banking orga- size. Top-producing, local lenders nization with well-established West only please. Please call for more in- Texas roots seeking an AG LENDER formation. Mark Mitchell, 972-335- in its West Texas Market. Great op- 9009, www.lonestarsearch.net. portunity with a relationship-based bank. Seeking well-qualified can- Pasadena, Gulf Freeway: Tex- didates with 5+ years ag lending as bank prefers C&I Generalist, experience and a desire to grow re- $1-3MM avg. credit size. Only pro- lationships. Must have established ducers from market considered. network in the West Texas market. Please call for more information. Please submit resume and salary ex- Mark Mitchell, 972-335-9009, www. pectations confidentially to bankers lonestarsearch.net. [email protected], subject line Box J-1. $400M independent community bank in East Texas has an opening Commercial Lender needed for for a COMPLIANCE OFFICER. Must community bank in McKinney, TX.

February 10, 2014 BANKERS DIGEST Page 10 C L A S S I F I E D F E A T U R E

Candidate must have a college de- EQUIPMENT Training (continued from Page 3) gree and a minimum of 5 years of insight as to how the candidate inter- lending experience. Needs to have FOR SALE: Opteva 750 – Advanced- acted with others. Simply asking these strong credit and underwriting skills function, Island Drive-Up ATM. ADA people how the candidate got along as well as business development compliant. Contact 580-222-8080 with others, and whether there were skills. Please submit your resume to for details. any personality conflicts, will likely [email protected] FULLY OPERATIONAL BRANCH reveal whether the person will have future problems. Loan Officer wanted for $140 BANK available. Located on U.S. Most of the time we want to hire million bank in Graham, Texas. Re- Highway 380 in Little Elm, Texas. Contact: [email protected] experienced people because we need quirements: college degree, mini- or want immediate production or re- mum of five years lending experi- Fully Operational Branch sults. That’s fine, nothing wrong with ence; lending schools, compliance Bank/Office Space available. that, as long as we keep in perspec- schools, SWGSB, etc a plus. Bank Approximately 1960 sq ft. Located tive that besides a quick fix, we are offers a competitive salary, 401k at 3111 University Drive East in Bry- also hiring someone who will have to plan, group insurance, PTO, at a five an, Texas. Available April 1st. Con- perform over the long run. We some- star bank. Contact Barry Gober at tact [email protected] times get so caught up in the immedi- [email protected] or Eddie ate need that we forget the future con- Tucker at [email protected] BANKING EQUIPMENT NEW AND siderations and the fact that we have USED: x2 units, fireproof files-notes, Affiliated Bank’s Round Rock loca- to live with whom we hire beyond the legal and letter, Money safes. FLAIR tion seeks a full time COMMER- immediate fix. How the candidate has SYSTEMS, 800/468-1246, 214/340- CIAL LENDER. This position creates performed over the long haul with 3580. brand awareness and grows market past employers will normally indicate share in the market how well he is going to do in the fu- through the recruitment of new cus- ture. tomers and development of exist- Once an experienced candidate is ing customers. This position also Your ad hired, her performance needs to be generates fee and interest income, measured. It is important to remem- and employs judicious and diligent can appear here! ber that since we assume the candi- underwriting and monitoring of all date knows what she is doing, we are new and existing credit facilities. convinced she will perform. This is all Five years of bank commercial lend- $45 for 30 words. the more reason to set clear objec- ing experience is preferred. Submit tives that can be evaluated at the time resume to Jeff Bridges at jbridges@ Simply email your ad to of performance reviews. A new em- affiliatedbank.com ployee, no matter what level, should be reviewed at the end of her first 90 Western Bank, a $175MM West days. This will confirm, deny, or aug- Texas bank, is seeking a SENIOR ment any assumptions by the new LOAN OFFICER for the Brownwood [email protected] employer. Measurable, objective is- branch. Bachelor’s degree in busi- sues, clearly communicated, will indi- ness, finance or related field with cate not only whether everybody got a minimum of 5 years lending ex- what they came for but also, more im- perience. Ideal candidate has ex- perience managing a $5MM+ loan portantly, how far off they might be in their initial assumptions. portfolio, experience in all types Subscribe to of loans but especially commercial Experienced candidates will likely real estate. Additionally, candi- Bankers Digest stay in their new positions about the same length of time they averaged in date must possess strong leader- Online/Digital Edition ship skills, be driven to grow their the last positions. They will stay or respective loan portfolio, and have Print Edition: $37 leave for about the same reasons. If the new employer can tolerate or even strong underwriting and business Digital Edition: $26 development skills. Competitive sal- accommodate them, the “marriage” ary commensurate with experience; Both: $50 will be great. It won’t be much differ- outstanding benefits included. Please ent than in the past. Hiring trained submit resume and salary require- Simply follow the link to personnel, just as hiring people who ment to dodom@westernbanklonline. www.bankersdigest.com need to be trained, has its own risks com and rewards Q Page 11 BANKERS DIGEST February 10, 2014 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. Fed Payments Study shows payments. To provide perspective payments grew at a rate of 7.7% over Noncash Payment Trends on consumer and business payment that same period. trends over the past decade, the re- • Automated Clearing House (ACH) The 2013 Federal Reserve Payments sults are compared to previous pay- growth slowed to 5.1% annually from Study, released in December 2013, shows that card payments--credit and ment studies conducted in 2004, 2007, 2009 to 2012 debit--now account for more than and 2010. • The number of checks paid contin- two-thirds of all noncash payments, The 2013 Study’s highlights include: ues to decline, falling to 18.3 billion, while the number of checks paid con- • The total number of noncash pay- less than half the number a decade tinued to decline. ments, excluding wire transfers, was earlier (37.3 billion). The Study, conducted triennially, 122.8 billion, a growth rate of 4.4% an- • The 2013 Study estimates that there examines noncash payment trends nually from 2009 to 2012. were 31.1 million unauthorized pay- in the United States. The 2013 Study • The number of credit card pay- ment transactions in 2012, with a val- has been expanded to include new in- ments, which had shown a decline in ue of $6.1 billion. formation related to various payment the 2010 Study, grew at an annual rate The study is available at www.frbser- initiation methods and unauthorized of 7.6% from 2009 to 2012. Debit card vices.org Q TEMPORARY AND MODULAR BANKING FACILITIES BRANCHING...REMODELING

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Page 12 BANKERS DIGEST February 10, 2014