August 26, 2013 www.bankersdigest.com Volume 143, No. 8 Hildreth Named Chairman/CEO and Wiginton Bergeron Joins Investar President for Amegy , Dallas Region As Senior Vice President Amegy Bank, N. A., Houston, TX, re- a graduate of SMU, where he received Investar Bank, Baton Rouge, LA, an- cently announced Matthew H. Hil- a BS degree in economics and . nounced the hiring of Kevin Bergeron dreth, president/ He currently serves as senior vice president and com- CEO of its Dallas as board chairman mercial banking sales manager for Region since 2006, of Goodwill Indus- the bank’s expanding market on the has been elected tries of Dallas, as northshore of Lake Pontchartrain. chairman/CEO, a member of the Bergeron joins Investar from Whit- Dallas Region. Goodwill Industries ney Bank, where he provided corpo- Kirk Wiginton was Foundation, and rate lending services to large busi- named president a member of The nesses for 13 years. He received a of the Dallas Re- Dallas Assembly bachelor’s degree in management and gion and will join Hildreth and Dallas Citizens Wiginton an MBA degree, both from the Univer- the Dallas advisory Council. sity of New Orleans. board of directors. Amegy Bank CEO With more than 30 years of banking A native of Belle Chasse, LA, Scott McLean made the announcement. experience, Wiginton began his career Bergeron serves customers from the Prior to joining Amegy in 2006, Hil- at Allied Bank of Texas in Houston. He bank’s Mandeville office at 2929 Hwy. dreth served as SVP and a commercial joined Amegy Bank in 1997 as a vice 190. He serves new and existing com- banking division manager at JPMor- president/commercial lender has ris- mercial bank clients throughout the gan Chase in Dallas. He has more en through the ranks. He holds a BBA New Orleans area. than 25 years of corporate finance and degree in finance and real estate from He currently is a member of the commercial banking experience. He is The University of Texas at Austin Q West St. Tammany Chamber of Com- merce, Elmwood Business Associa- tion (formerly served as treasurer), St. Bradshaw & Ellinor Take Top Slots at BOK Financial Tammany Home Builders Association, and Our Lady of the Lake Men’s Club. Stanley A. Lybarger, president/CEO responsibility throughout the corpo- Investar Bank reported total assets of BOK Financial ration and work of $530 million at June 30, 2013 Corp., Tulsa, OK, directly with Brad- Q has announced shaw to set opera- Please route this issue: that Steven G. tional strategy and Bradshaw will drive growth ini- succeed him as tiatives. president/CEO, Bradshaw joined and Daniel H. El- BOK in 1991 to linor will serve as establish a new In This Issue... COO. Both indi- consumer invest- Bradshaw Ellinor viduals currently ment business. He Two Cases of Fraud Are Cautionary serve as senior of- currently has over- Tales for Community Bankers ficers of the company and will assume sight for consumer banking, mortgage, their new positions following Lybarg- wealth management, treasury services, Feature...... 3 er’s retirement at the end of 2013. and business banking functions, as Bradshaw will be responsible for well as Colorado State Bank and Trust Charter Activity...... 9 the strategic direction and operat- and Bank of Kansas City. ing performance of all aspects of the Ellinor joined BOK10 years ago af- Classified...... 10 company, while Ellinor will gain more (continued on Page 6) Published weekly on Mondays except fifth Mondays p e o p l e TEXAS Texas Capital Bank Ups Hill to EVP in Fort Worth, Hires Broussard and Atwell Texas Capital Bank, N. A., Dallas, an- nounced it recently promoted SVP his banking career at Texas Ameri- James Hill to executive vice president can Bank in Fort Worth in the 1980’s. for the commercial From 1996 to July real estate lend- 2013, he worked in ing group in Fort the wholesale/dis- Worth. tribution industry Hill joined the as a CFO. He is a bank as a vice graduate of Texas president in 2010 Tech University and was promot- with a BBA degree ed to senior vice in finance. president in July Texas Capital, Hill Broussard 2012. As EVP, he Houston Region, will be responsi- announced the ble for managing the commercial real hiring of Stephen Atwell as a com- estate lending group and will contin- mercial banker. He joins the bank ue to manage commercial clients. as a vice president and relationship Hill is a graduate of The University manager with responsibility for com- of Texas Honors Business Program in mercial banking. He was previously a Austin and received an accelerated vice president with Wells Fargo Bank, MBA degree from Texas Christian Uni- where he was credit champion in 2013 versity. Governor Rick Perry recently and earlier served at JPMorgan Chase appointed him to the Housing and Bank. He is a graduate of the Univer- Health Services Coordination Council. sity of Houston Q In addition, Texas Capital Bank has reported hiring Eddie Broussard in BANKERS DIGEST WANTS TO Fort Worth. He has been named se- REPORT YOUR BANK NEWS! nior vice president in the corporate email banking group. [email protected] Broussard has 29 years of bank- Fax 214/221-4546 ing and business financial experience in the Fort Worth market. He began Phone 214/221-4544 Bankers Digest® Established 1942 A Weekly Bank News Magazine (USPS 041180) Published weekly on Monday except fifth Mondays at 9516 Bill Browne Lane, Dallas, Texas 75243 Copyright 2013 Bankers Digest® BONNIE JAMISON BLACKMAN, Publisher/Editor R. GILBERT BLACKMAN JR., Managing Editor With over $18 billion of investments under management, ALM First P. O. Box 743006 is an SEC-registered investment advisor, acting as an unbiased Dallas, Texas 75374-3006 Phone 214/221-4544 third party, offering commission-free, fee-based services to over Fax 214/221-4546 E-mail: [email protected] 175 financial institutions across the country. Services include: website: www.bankersdigest.com One year subscription rate: Print $37.00, Online $26.00; Both $50.00. Single copy $1.00 • Asset Liability Management • ALM Validations Opinions expressed by writers of bylined articles are not necessarily those of Bankers • Investment Advisory • Investment Portfolio Analysis Digest. We make no representations or war- • Merger Valuations • MSR Valuations ranties for information, products, or services contained in any advertisement in this maga- • Hedging with Derivatives • Training and Education zine or on our website. 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Page 2 BANKERS DIGEST August 26, 2013

Job #: ALMF-1315 Qrt Pg Client: ALM First Pub: Bankers Digest Bleed: N/A Trim: 4 3/4” x 3 3/4” Live: N/A Gutter: N/A LS/Colors: 4C Insertion: N/A For questions call: Justin McGuffin 214.446.0996 F E A T U R E S E C U R I T Y multiple accounts concurrently un- of the fraudulent transactions are til the thefts are detected; then they posted after 5:00 p.m. local time. This Two Cases of Fraud Are move to a different bank. We’ve seen timing strategy ensures the transac- Cautionary Tales for small lose $100,000 from this tions aren’t checked by the bank, prior fraud … and in the future it will only to being sent to the Fed. Community Bankers get worse.” “Community banks are most of- ten targeted for this crime,” said the Reprinted with permission “There are four factors compound- agent. “Their risk management sys- from ing our work to stop these crimes,” tems are less sophisticated and their The BSA Examiner said the agent: customers more trusting.” A final note Volume 49, 2nd Quarter 2013 • Most seniors don’t have up-to-date from the agent: “It’s not our job to as- by Wayne Barnett virus detection software. A woman in sign responsibility for the losses, but, www.barnettsoftware.com New York was victimized for $92,000. every loss I’m aware of was borne by When asked why she didn’t have secu- the bank.” Case #1 – Her rity software on her PC she responded, momma done “I don’t need that, I don’t go to porn Case #2 – You know … I thought they BD raised her sites.” looked familiar. right. • The transactions typically happen Another type of fraud, also tied to Federal law FEATURE in the second and third weeks of the organized crime, is sweeping the coun- enforcement month, outside of the normal time try and focuses on community banks officials that when payments are received and peo- with multiple branches. An overview we spoke with estimate the crime we ple check their balances. of the crime is presented below. describe below occurred 2,000 times • The transactions are small, typically in the first six months of the year. They less than $5,000. However, the hackers A young husband and wife are re- predict it will occur 8,000 times in the will do one per day until the account locating to a small town that’s 1,000 second half. is drained. miles from their current home. They • The targeted banks accept “bill pay” Grandma Jones, like many seniors, transactions until 9:00 p.m. EDT; most (continued on Page 12) has a PC that she uses daily. She bought it to converse with the grand- kids. She also uses it for shopping and to verify receipt of her monthly Social Security payments. Grandma loves to read but her dim- ming eyesight limits this pleasure. She also loves a bargain! Grandma recently received an e- mail from AARP (or so she thought) offering her a Kindle Reader with au- tomatic large print and annual sub- scriptions to four magazines, for the bargain price of $1/month. The old dear clicked on the link and filled out the form to complete her purchase; however, she never received the Kindle or her magazines. Needless to say, the e-mail was bo- gus. It was a phishing scheme run by organized crime; clicking on the link compromised grandma’s computer. The hackers who took control of the PC stole grandma’s user-ID and pass- word, and used a series of four “bill pay” transactions (aka outgoing ACH credits) to steal $17,000. “The bad thing about these thefts,” said an agent with the FBI, “is that they usually don’t happen just once at a bank. In most cases the hackers target a specific bank and steal from

August 26, 2013 BANKERS DIGEST Page 3 p e o p l e TEXAS BB&T bolsters staff to support North Texas expansion Joe Kirk Fulton, Former Plains BB&T, Winston-Salem, NC, has pro- Linda Garcia is a residential con- NB Lubbock Chairman, Dies moted several employees to support struction specialist based at 2001 Joe Kirk Fulton, who served as an offi- its expansion in North TX. The new Ross Ave., Dallas. She has 27 years of cer and later chairman of the board of additions include three regional cor- industry experience and holds a BBA directors for Plains National Bank of porate bankers, one residential con- degree in finance from The University Lubbock, died at his ranch in Stone- struction specialist, and seven busi- of Texas at Austin. wall, TX, on August 1 at the age of 81. ness services officers. The combined Lupe Ancira, Kevin Bogenreif, After graduation from Texas Tech team brings 168 years of experience Henry Borbolla, Adam Donahue, University, he entered business with in the industry to Hugo Fioreze, Trey Ramsay, and his father, R.H. Fulton, in ranching, BB&T’s North TX team. Carlos Salazar are new business ser- oil, and banking. The family founded Lance McKoy, Carol Polasky, and vices officers. Plains National Bank of Lubbock in Chris Sutton are new regional corpo- Ancira, based at 2001 Ross Ave., 1955. He joined the bank as a vice rate bankers serving the Dallas-Fort Dallas, has 16 years of experience. president and succeeded his father as Worth area. They are all SVPs. Bogenreif, based at 2001 Ross Ave., chairman in the early 1980s. He served McKoy, based at 111 E. 5th St., Fort Dallas, has two years of financial ser- in that capacity until the late 1980s. Worth, earned a bachelor’s degree in vices industry experience. He has a In addition to his banking experi- management and a master’s degree in bachelor’s degree in accounting from ence, Fulton raised cattle and quarter marketing from The University of Ala- SMU and is a 2012 graduate of the horses. He was known as one of the bama. He also is a certified treasury BB&T Leadership Development Program. world’s leading breeders and owners of planner and has 14 years of experi- Borbolla, based at 111 E. Fifth St., racing quarter horses. He was inducted ence in the financial services industry. Fort Worth, earned a bachelor’s de- into the American Quarter Horse Asso- Polasky, based at 2001 Ross Ave., gree in marketing from TCU and has ciation Hall of Fame in 2011. Dallas, earned a bachelor’s degree in nine years of industry experience, Texas Tech University fans may re- business from The University of Texas Donahue, based at 2012 W. McDer- member that Fulton came up with the at Austin. She holds Series 7 and 63 mott Dr., Allen, has 14 years of experi- concept of Red Raider, which is now investment licenses and has 28 years ence in the financial services industry known as the Masked Rider. He intro- of experience. and a BBA degree from the University duce the Red Raider in 1954 at Texas Sutton, based at 1675 Laguna Dr., of North Texas. Tech’s Gator Bowl appearance. He was Rockwell, earned a BBA degree in fi- Fioreze, based at 801 Campbell Rd., inducted into the Hall of Honor at Tex- nance from Stephen F. Austin State Richardson, has eight years of indus- as Tech University in 2011 University and is a graduate from the try experience. He earned BBA and Q SWGSB at SMU. He has seven years of master’s degrees in marketing from Harris Joins IBERIABANK experience. Notre Dame de Namur University. Ron Harris has been named commer- cial lender and business unit manager at Lafayette, LA-based IBERIABANK in Deer Park. The veteran Houston- area banker has served with , Wachovia/Southtrust/Bayshore National Bank, and others. Earlier in his career, he served four years as an examiner with the Texas Department of Banking Q Ramsay, based at 4605 Camp Bowie Blvd., Fort Worth, double majored at Liberty University with bachelor’s de- grees in theology and business man- agement. He has 13 years of banking experience. Salazar, based at 2001 Ross Ave., Dallas, has 30 years of experience. He earned a bachelor’s degree from the University of Notre Dame and an MBA degree from the University of Dallas. He is a past president of the D/FW Chap- ter of the Hispanic Bankers Association Q

Page 4 BANKERS DIGEST August 26, 2013 P E O P L E TEXAS Jiang and Shaw Are Business Amanzio Joins SBA Lender Brown Named North TX BDO, RMs, Bank of Texas Houston Houston-Galveston AC LDC of Texas Bank of Texas, N. A., Houston Region, George A. Amanzio has joined Hous- Rusty Rust, president/CEO of Com- has announced the appointment of ton-Galveston Area Council Local De- mercial Bank of Texas, Nacogdoches, Mike Jiang and Steven Shaw to vice velopment Corporation’s SBA lending has reported the promotion of Reuben president and relationship managers division serving small businesses in Brown to business development offi- in the business banking group. They the Greater Houston - Galveston area cer in the North TX market area. will focus on expanding the bank’s cli- and throughout TX. He is based at the Brown began his career with CBTX ent-based businesses that have annu- Houston office at 3555 Timmons Ln. as a teller, then moved to the loan al sales revenues between $5-20 MM. Amanzio has more than 18 years of operations department. As business Jiang joins the business banking small business financing experience, development officer, he will be re- team from JPMorgan Chase Bank, with 15 years focused in U.S. SBA sponsible for expanding customer where he served eight years as a rela- lending. He has worked for such com- relationships and attracting and re- tionship manager. Prior to JPMorgan panies as Textron Business Credit, taining new accounts. He will also or- Chase, he was a client account manag- Business Loan Express, Popular Small ganize and participate in community Business Capital ( a division of Banco er for James X Shu and Associates. He outreach and educational programs Popular), Coastal Community Bank, earned a BBA degree in finance from focused on non-profit and commu- and most recently Florida Community the University of Houston and is flu- nity groups serving low to moderate- Bank. He holds a BBA degree from ent in Mandarin-Chinese. Actively in- income communities. Northwood University and is a 16-year volved in the community, he is a board Brown is a 2007 graduate of Ste- U.S. Navy veteran member for the International Busi- Q phen F. Austin State University with ness Committee in the Asian Chamber Landers Named AVP/Lender, a major in criminal justice and mi- nor in business administration. He of Commerce. Texstar NB in Universal City Shaw also joins the business bank- graduated with an MBA degree from ing team from JPMorgan Chase, where Texstar National Bank, Universal City, University of Phoenix in 2001 and is he served five years as a relationship has hired 10-year banker Jeffrey Land- currently working toward a doctorate manager, managing a portfolio of cli- ers as AVP and consumer and com- of business administration. ents with revenues of $5 million to $25 mercial lender. He will serve out of the CBTX is a $484 million-asset com- million. Prior to JPMorgan Chase, he bank’s main office at 600 Pat Booker munity bank with North TX branch was a senior loan officer for Bayview Rd. in Universal City. locations in Allen, Bedford, and Lew- Financial in FL, an assistant vice pres- He recently served with First Secu- isville. The bank also operates loca- ident in business banking for Metro rity Bank in Little Rock, AR, and earlier tions in the East TX markets of Na- Bank in Houston, and a financial ser- with Regions Bank. He is a graduate of cogdoches, Lufkin, Diboll, Kinnard, the University of Arkansas vice representative for Compass Bank Q and Wells Q in Houston. He has a BBA degree in fi- nance from the University of Houston and is fluent in Mandarin-ChineseQ Fitch Appointed Devine Mkt President for Security Bank Phillip Fitch has been promoted from vice president and business banker to Devine market president for Odessa- based Security Bank. He joined Security Bank in 2012. He has several years of commercial lend- ing experience. Prior to joining Secu- rity Bank, he served as vice president and commercial/SBA lender with Tex- star National Bank, Universal City Q

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August 26, 2013 BANKERS DIGEST Page 5 P E O P L E OKLAHOMA ARKANSAS Knight Is Small Business BOK Financial (continued from Page 1) AR State Bank Department Banker in Edmond/NW OKC ter a 20-year banking career in TX. His Announces New Positions current responsibilities include the Bank of America has appointed Wes- majority of BOK’s commercial lending The Arkansas State Bank Department ley Knight vice president and small activities, TransFund, as well as Bank promoted Bob Henry to bank exam- business banker for the Edmond and of Oklahoma, Bank of Albuquerque, iner manager; J.D. Chambliss, Jordan NW Oklahoma City markets. Bank of AR, and Bank of AZ. Hurst, and Jordan Patterson to bank Knight is actually rejoining BofA, Lybarger will retire at the end of senior examiner; and Raychel Pen- where he served nearly three years 2013 following a 40-year career with dergist, Chris Rittelmeyer, and Eric in retail branch management in Ed- BOK. He will continue to serve the Roberts to bank junior examiner. mond. He left BofA to serve one year company as a member of the BOK Fi- The depart- with Bank of Oklahoma ment has also Q nancial Corp. board of directors Q hired Nathan El- liott as a bank se- nior examiner and Scott Lambert, Johnathon Welch, and Mike Wilkins Training Options for any Budget as bank examiner trainees Professional Development from the American Bankers Association Q Henry

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A solid training program bene ts your employees, your customers, Patterson Elliott AND your bottom line. Make the most of your training budget, and contact your Local ABA Training Provider listed below for a copy of our Thornton Named VP/Sales new catalog, or ABA at aba.com/training: Manager, First Federal Rogers First Federal Bank, Harrison, has hired Arizona Bankers Association ● Arkansas Bankers Association Ryann Thornton as vice president Louisiana Bankers Association ● Mississippi Bankers Association and sales manager for the mortgage Texas Bankers Association department at 2000 Promenade Blvd., Ste. 103, Rogers, said D.J. Wells, presi- dent of the mortgage loan division. Thornton joins First Federal with over 11 years of experience in the real estate and mortgage industry. She has been an active member of the North- west Arkansas Young Professionals Group, and the Network Community of Northwest Arkansas Q Page 6 BANKERS DIGEST August 26, 2013 N E W S W A T C H ARIZONA Stacy Is VP, RM, Johnson Bank in Phoenix Johnson Bank, Phoenix, has an- nounced that Holley Stacy has joined as vice president and private banking relationship manager. She will serve customers from the Gainey Ranch of- fice at 8700 North Gainey Center Dr., Scottsdale. She has served in the financial ser- vices industry for nearly 20 years, with most of her career focused specifically on private banking and business de- velopment. Most recently, she served at BMO Private Bank in Scottsdale. Stacy graduated from Arizona State University with a BS degree in mar- keting. She is an active member of the community, currently serving as a board member and chair-elect for Arizona’s Children Association, one of the oldest and largest statewide child welfare and behavioral health non- profit agencies. Johnson Bank has also reported that Daniel L. Kaminski has been promoted to EVP for wealth line of business. Kaminski, who joined the bank in 2011, will oversee investment management, fiduciary services, and institutional retirement plan services at the bank’s headquarters in Racine, WI Q

LOUISIANA Metairie Bank Director Blanco Receives Export “E” Award Metairie Bank has announced that bank board of director member Man- uel F. “Manny” Blanco was recent- ly awarded the prestigious “E Star Award,” which recognizes persons or organizations which contribute signif- icantly to increase U.S. exports. Blanco is the president/CEO of At- lantis International, a New Orleans- based company that specializes in wholesaling and shipping lubricating oils and greases to worldwide mar- kets. Blanco’s company ranks #238 in the national Hispanic Business 500. The “E” Award was originally created by President John F. Kennedy in 1961 and is one of the highest recognitions any U.S. entity or person may receive for supporting export activity Q August 26, 2013 BANKERS DIGEST Page 7 N E W S W A T C H LOUISIANA TEXAS JC Bank, Jennings, Opens Cullen/Frost Bankers and WNB Bancshares, Odessa, Two Lake Charles Locations Announce Merger Agreement Valued at $220 Million JD Bank, Jennings, recently opened Cullen/Frost Bankers Inc. (“Cullen/ tions in the Odessa, Midland, and San two branches in Lake Charles, ex- Frost”), San Antonio, announced on Antonio markets. As of June 30, 2013, panding the bank's footprint in SW LA August 13 that it is acquiring WNB the bank reported total assets of $1.4 to a total of 20 branches. Bancshares Inc. (“WNB”) and its op- billion, total of $656 million, The two new locations are both erating subsidiary Western National and total deposits of $1.2 billion. full-service and have opened ahead of Bank (“Western National”), both of The deal will allow Cullen/Frost to their expected fall date. Odessa. The deal provides for the enter the attractive Midland/Odessa The Big Lake branch is located at merger of Western National into Frost markets where it has no retail pres- 4904 Big Lake Rd. Bank, San Antonio. ence. Frost Bank operates 110 finan- The Morganfield branch is located Under the terms of the agreement, cial centers in the Austin, Corpus at 4989 E. McNeese St. Cullen/Frost will issue two million Christi, Dallas, Fort Worth, Houston, JD Bank is the new name for the for- shares of its NYSE-traded common San Antonio, and Rio Grande Valley mer Jeff Davis Bank & Trust Co., which stock and an amount of cash neces- regions. The bank traces its roots back has been serving customers in SW LA sary to bring the aggregate consider- to a mercantile partnership organized for more than 65 years. The bank of- ation to $220 million. The purchase in 1868. Cullen/Frost is ranked among ficially changed its name to JD Bank in price can be adjusted up or down the top 50 largest U.S. banks with June. According to a news release, the based on a targeted BV of WNB of $87 $22.6 billion in assets as of June 30, bank's customers had been using the million at closing. 2013. nicknamed JD Bank for years, "so we Western National Bank, which is a WNB is owned primarily by the decided to make it official," said Presi- commercial bank chartered in 1977, Wood family. Jack Wood, WNB presi- operates through eight branch loca- dent and Western National Bank pres- dent/CEO Boyd Boudreaux Q iden/CEO, will join the Cullen/Frost NEW MEXICO board of directors. The transaction is expected to close U.S. New Mexico Federal CU Buys Former BofA Drive-Thru in January 2014 upon satisfaction of U.S. New Mexico Federal Credit Union The $740 million-asset credit union customary closing conditions, includ- has purchased a former Bank of Amer- said the facility will be refurbished ing necessary regulatory approvals Q ica drive-thru facility at 7201 Menaul and should be open before yearend. Blvd. in Albuquerque’s Northeast The facility will be the credit union’s Dallas Recruiter Financial Heights, according to an article by eighth location in NM. Professionals Opens in Austin Dennis Domrzalski in the Albuquerque BofA recently announced the sale of Dallas-based recruiting firm Financial 11 NM branches to Washington Federal Business Journal. Q Professionals Inc. has announced an expansion to the city of Austin, re- ported Ron Ray, CEO. Proven Process The new Austin branch is led by banking/accounting recruiter Erika Experienced Team Boswell, who has recruiting expertise David Coleman Lic# 13489 and knowledge of the Central TX re- Winning Results gion. Ray said in a news release the re- Are you making smart decisions with your OREO? cently opened Austin branch is part of a larger growth strategy that will · Creates urgency expand Financial Professionals’ pres- The Auction Method is ence in the key markets within the an Accelerated Marketing · Eliminates contingencies Federal Reserve’s District 11. Process that: · Generates competition for Financial Professionals was estab- your property lished in 1981. The firm specializes in temporary and contract workers, di- rect hire, and mid-to-executive level We have a plan to sell your property at the best recruiting. In addition, the firm offers possible price in today’s market. extensive background screening and testing packages for employers. More ColemanandPatterson.com | 888-300-0005 information and updates can be ac- cessed at http://fpstaff.net Q Page 8 BANKERS DIGEST August 26, 2013 R E G U L A T O R S The FRB OF DALLAS has received Bancorp Inc., Graham, with the resul- applications by Frost Bank, Dallas, for tant institution First National Bank in C h a r t e r branches: 1204A W. 38th St., Austin; Graham. 10767 Kuykendahl Rd., The Wood- The OCC has approved an applica- lands; Promenade Blvd. and U.S. Hwy. tion by Citizens National Bank, Hen- a c t i v i t y 90, Stafford; and 6319 Hillcrest Ave., derson, for a business combination/ Ste. 400, Dallas. affiliate merger with The East Texas Arizona The OCC has approved an applica- National Bank of Palestine, Palestine, BRANCHES tion by Inter National Bank, McAllen, with the resultant institution Citizens The OFFICE OF THE COMPTROL- for a branch at 2828 Lee Trevino, Stes. National Bank. LER OF THE CURRENCY has ap- C&D, El Paso. The TXDB has approved an appli- proved an application by First Nation- The OCC has received an applica- cation by First State Bank, Athens, to al Bank, Malden, MO, for a branch at tion by Citizens National Bank, Hen- merge with Athens Subsidiary Inc., 100 N. Main St., Leachville. derson, for a branch at 620 W. Front Athens. MEMBERSHIP St., Tyler. The TXDB has approved an ap- The FEDERAL RESERVE BANK The TEXAS DEPARTMENT OF plication by Mills County State Bank, OF ST. LOUIS has received an ap- BANKING has received an application Goldthwaite, to merge The First Na- plication by First State Bank, Russell- by Northstar Bank of Texas, Denton, tional Bank of Hico, Hico, with and ville, to become a member of the Fed- for a branch at 921 W. Lamar, Arling- into Mills County State Bank Q eral Reserve System. ton. The FRB OF DALLAS has filed an Louisiana application for this branch. MERGERS AND ACQUISITIONS The TXDB has received an applica- Subscribe to The FRB OF ATLANTA has received tion by WestStar Bank, El Paso, to re- Bankers Digest a notice by Investar Holding Corpora- locate a branch from 10400 Montwood Digital Edition tion (BHC) to become a bank holding Dr. to 1790 N. Lee Trevino Dr., El Paso. The TXDB has approved an appli- Print Edition: $37 company by acquiring 100% of the Digital Edition: $26 outstanding shares of Investar Bank, cation by IBC-Laredo for a branch at Both: $50 both of Baton Rouge. In addition, 8650 Fredericksburg Rd., San Antonio. BHC has submitted a Financial Hold- MERGERS AND ACQUISITIONS Simply follow the link to ing Company declaration. The OCC has received an applica- http://www.bankersdigest. tion by First National Bank in Graham, The FRB OF DALLAS has received com/onlinesub.html a prior notice by George W. Cummings Graham, for a business combination/ III and Nanette Weaver Cummings, affiliate merger with First Security both of Monroe, to acquire and con- Bank, N. A., Flower Mound, and West trol greater than 10% of Progressive Side Bank and Trust, Fort Worth, both BANKERSDIGEST.COM Bancorp Inc. and indirectly, Progres- affiliates members of First Graham sive Bank, both of Monroe. The FRB OF DALLAS has received a retroactive notice by James A. Hop- son, Delhi; W. Briggs Hopson, MD, Vicksburg, MS; W. Briggs Hopson III, Vicksburg, MS; James W. Hopson, Vicksburg, MS; Stacey Hopson Bur- gess, Haltom City, TX; David Doughty, Rayville; Suzette Hopson Doughty, Rayville; James O. Doughty, Rayville; Mary C. Doughty, Rayville; and Mary K. Ricks, Vicksburg, MS; collectively a group acting in concert, to control, retain, and acquire more than 25% of Delhi Bancshares Inc., Delhi, and in- directly, Guaranty Bank & Trust Com- pany of Delhi. Texas BRANCHES The FRB OF DALLAS has received an application by Peoples Bank, Lub- bock, for a branch at 615 North Broad- way, Post.

August 26, 2013 BANKERS DIGEST Page 9 C L A S S I F I E D Having a hard time retaining tor. Call 903-759-7464. B a n k e r s D i g e s t “specialists” or senior offi- HOW TO CONTACT US cers brought in from out of town? POSITIONS AVAILABLE Have you considered investing in Mail responses to Box Number c/o Bankers training current employees to be that WEST TEXAS LENDER for community Digest, P. O. Box 743006, Dallas, TX 75374- specialist? John at The Banker’s Bro- bank. Will consider Jr. or Sr. lender for 3006. Fax: 214/221-4546. Phone: 214/221-4544. ker, Inc. can help you with that train- great opportunity. Sharon Emiliano, Bab- email: [email protected] ing or to help you determine if some- ich & Associates, [email protected] one could be trained. If you are tired 214-823-9999 #306 www.babich.com of the fight, John can help you market MISCELLANEOUS your bank or unwanted branch. Ei- VP/SVP Commercial Lending. ther way, if you need help with your Dallas or Houston. Base 120-145. Bank Job Descriptions on CD© bank, contact John Scott at The Bank- CRE and C & I. Please call Kevin at or Zipfile. Over 110 fully developed er’s Broker, Inc. (432) 268-3056 or 214-823-9999 x309 or send resume to and ready-to-use job descriptions in [email protected] [email protected]. one place. Our nationally recognized Bank Job Descriptions on CD© are SERVICES fully developed and ready-to-use for CANDIDATES NEEDED! just $199.00. Used by banks of all siz- WANT AN IT AUDIT? Call Roy Ross- es. For more information please see: man, a retired National Bank Exam- Oklahoma City Sr. Commercial http://bankhr.net/jobdescriptions/,or iner. He will provide your internal or Lender needed. 10+ yrs exp. to order just reply to bmccomas@ external IT audit needs. He has 33 portfolio consisting of Professional bankhr.net years as an IT examiner and IT audi- and Executive, Lines of Credits, Equipment Finance. $110,000- 130,000

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Page 10 BANKERS DIGEST August 26, 2013 C L A S S I F I E D FORT WORTH MARKET MANAGER: time opening for a Senior Commer- Artesia National Bank is seeking an Well-respected, local generalist Com- cial Lending Officer in Victoria, Texas. experienced COMMERCIAL LEND- mercial Lender needed to partner Position requires at least 15 years ex- ER. Candidate must have a minimum with expanding Independent Bank perience in commercial lending with of 5 years experience and a work- in establishing and growing strong extensive knowledge of commercial ing knowledge of Ag lending. Formal FW presence. Mark Mitchell, Lone lending regulations and procedures. credit training a plus. Competitive sal- Star Search, 972.335.9009, www. College degree in finance, account- ary and benefits package. Respond lonestarsearch.net. ing, or related field is required. Prior to [email protected] management and leadership experi- CHIEF FINANCIAL OFFICER: Texas ence a plus. Individual must possess BSA Specialist position available bank seeks high-integrity CPA bank- strong business development skills. for $865 million bank in Midland, er from similar top-performing bank Excellent salary and benefits. Quali- Texas. Requires 2-3 years direct BSA experience. Position responsible for culture possessing strong experience fied individuals may apply on-line at CTR submissions; BSA/AML monitor- with GAAP, A/L, Cost Segmentation, www.americanbank.com. Equal Op- ing and assisting BSA Officer with Branch Allocation, Budgeting, Fore- portunity Employer. casting, Securities. Mark Mitchell, audit and exam preparation. Salary Lone Star Search, 972.335.9009, $35,000 - $45,000 annual. Respond COO for $144M Bank in Graham, Tex- www.lonestarsearch.net. to bankersdigest@bankersdigest. as. Responsible for Bank Operations, com, subject line Box A-1. Commercial Lender: Community HR, CDARS, Information Technology, Bank position in East Central Texas Security Officer, Investments, Insur- BBVA Compass is seeking experi- will inherit portfolio and great career ance, BOLI, Fixed Assets, Accounts enced Commercial Relation- path. Mark Mitchell, Lone Star Search, Payable, Training, and support Com- ship Managers to help us grow in 972.335.9009, www.lonestarsearch.net. pliance Officer. Requirements: Col- the dynamic Corpus Christi market. lege Degree and a minimum of five We offer outstanding compensation, $400M independent community years banking experience. Bank of- benefits, incentives and work environ- bank in East Texas has an opening fers a competitive salary; 401k, group ment. We work hard but have fun in for a COMPLIANCE OFFICER. Must insurance, and PTO. Please send all the process. Please email Trent Cot- have compliance experience. Send inquiries to Eddie Tucker, First State ton or send your resume to: trent.cot- resume in confidence to bankers di- Bank Graham, Fax 940-549-8886 or [email protected]. [email protected], subject [email protected]. Commercial Lending Officer: line Box D-5. North Dallas Bank & Trust Co seeks LOAN OPERATIONS PROCESSOR: qualified candidates, who have a de- BRANCH MANAGER/COMMERCIAL Oklahoma State Bank, Guthrie, Okla- gree in Finance or Accounting, and a LENDER needed for $375 MM inde- homa, is seeking an experienced minimum of 5 years relative experi- pendent community bank in West TX. Loan Operations Processor with loan ence working for a commercial bank Candidate would inherit a loan port- platform software (i.e. LaserPro) for in the North Dallas and surrounding folio in the local area. Commercial both consumer and commercial lend- areas. Formal Credit training is pre- lending experience and proven lead- ing. Experience with loan documen- ferred. If interested, you may respond ership skills are required. A competi- tation tracking software required. directly to [email protected]. tive salary with benefits of a Match- High school diploma or equivalent ing 401K plan and health insurance required, in addition to 5 years sec- EQUIPMENT are provided. Please send resume to retarial or clerical experience in a [email protected], bank environment. Full time position FULLY OPERATIONAL BRANCH subject line Y-4. with benefits for branch in Norman, BANK available. Located on U.S. Oklahoma. Please email resume to Highway 380 in Little Elm, Texas. BANK SECURITY EQUIPMENT Contact: [email protected]. SALES: Growing company seeking [email protected]. self-starting Area Sales Manag- Full Time IT Manager needed to FOR SALE: Opteva 750 – Advanced- er based in San Antonio selling to manage Bank IT Systems, including function, Island Drive-Up ATM. ADA banks and credit unions the compa- installation, maintenance & support. compliant. Contact 580-222-8080 for ny’s CCTV systems, physical security details. equipment, alarms, and service con- Experience preferred. Email resume tracts. Excellent benefits, training, to [email protected]. For more information contact Brenda Trevino For Sale or Lease: Modular Bank and support from this Dallas-based Buildings. Immediately available, at The First National Bank of Beeville, company. See securitytexas.com 14’x66’ or 24’x66’. Texas coded facilities. 361-358-1530 ext. 1224. and iris-dvs.com. Experience in this Banking equipment Included along with field is required, college preferred, drive thru. Contact Clint Werts at 888- Assistant Controller wanted for and computer, writing, and speaking 800-8866, [email protected]. skills are required. E-mail dwood@ $185M Panhandle Bank. Seeking qual- securitytexas.com. ity candidate with background in ac- BANKING EQUIPMENT NEW AND counting/finance with potential to be a USED: x2 units, fireproof files-notes, le- part of future senior management team. Senior Commercial Lending gal and letter, Money safes. FLAIR SYS- Officer: Large independent finan- Degree required. Please email resume cial institution has an immediate full- to [email protected]. TEMS, 800/468-1246, 214/340-3580.

August 26, 2013 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.

FEATURE (continued from Page 3) open a checking account in their new town with a small amount of cash. A week later they deposit a cashier’s check for $5,000. The bank gives im- mediate credit of $200 and puts a one- day hold on the rest.

• The young couple withdraws most of the remaining funds the next day.

• The deposited check is counterfeit and returned the second day after it is deposited (which is also the day after the funds are withdrawn).

• Most bankers will look at this scenar- io and say “I’m not going to concern myself with a $5,000 loss.” However, if your bank has multiple branches and the young couple does the same thing at several offices (using differ- ent phony IDs, of course), the losses can quickly grow. A pair of criminals working in the South recently opened 60 new accounts over a two week pe- riod and stole $270,000 ($81,000 of which came from one bank with 30+ branches). “I had never heard of this fraud, nor had the company we use for fraud soft- ware,” said the bank’s chief risk officer. “They quickly updated their product to help detect this activity and we’re con- fident it won’t happen again.”Q About the Company: Wayne Barnett Software (www.barnettsoftware.com) offers products that help with BSA/AML compli- ance, fraud detection (with special emphasis on ACH & IATs), and Wire Transfer Opera- tions. Contact the Barnett at 877-945-4344 or at [email protected]. If you have a question to ask or a story to tell (we promise anonymity).

Page 12 BANKERS DIGEST August 26, 2013