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The Mission to Serve Our Communities Has Rarely Been More Important Than in This Uncharted Time

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The mission to serve our communities has rarely been more important than in this uncharted time. May the gift of wisdom and the spirit of optimism guide us in fulfilling that mission in 2009. We wish you and yours a blessed holiday season as well as peace and prosperity in the coming year. Bankers Digest P E O P L E NEW MEXICO ARIZONA TEXAS Cox Is President/CEO, Hickel Joins Paradise Castillo Is President, Bank’34, Alamogordo Valley Bank as Pres/CEO First United McKinney Karlon Cox has joined Bank’34 in Al- Gary Hickel has joined Paradise Valley First United Bank CEO Greg Massey amogordo as president and CEO. The Bank (proposed), Scottsdale, as presi- recently announced that Dean Castillo career banker pre- dent and CEO. Pri- has joined the bank viously served as or to joining Para- as president of its president/manag- dise Valley Bank, he McKinney market. ing officer of Alamo served as president Castillo joins National Bank, the and CEO of Bank First United Bank Alamogordo bank- USA, N.A., in the after serving as ing center of First Phoenix area. He market president National Bank, Ar- was appointed in for Irving-based In- tesia. 2006. Hickel earlier dependent Bank of Cox served as president Castillo Texas in Frisco. He Cox succeeds Hickel Miles Ledgerwood of Valley First Com- previously served who retired after 25 years of service munity Bank in Scottsdale. as Frisco branch president of Texas with BANK’34/Alamogordo Federal Hickel earned an MBA degree from Republic Bank, Quanah/Security Na- Savings & Loan Association. He will Arizona State University and an under- tional Bank of Quanah. He has served retain his position as vice chairman of graduate degree from Wichita State in the Frisco/McKinney market for the University. past eight years. He began his banking the board of directors. He is a board member of the Metro career with the OCC as a national bank Cox, a 1980 graduate of Abilene YMCA and has been honored by receiv- examiner. Castillo has more than 33 Christian University, Abilene, TX, and ing the President’s National Volunteer- years of banking experience. He holds a a 1995 graduate of the Southwestern ism Award BS degree from Florida State University Graduate School of Banking at SMU Q and a masters degree from LSU. (faculty since 2000), began his full- In addition to his banking responsi- time banking career in TX. He has OKLAHOMA bilities, Castillo is working to develop served in mortgage and construction a funding base and organization struc- lending and commercial lending with Hazelton Joins OBA as ture for a newly formed non-profit, several TX and NM banks. He joined Senior Vice President the Sportsman Legacy Foundation, First National Bank of Artesia in 2005 Keith H. Hazelton has been appointed founded by his son, Lt. Commander A. to take over Alamo National Bank in senior vice president and director of Dean Castillo Jr., who serves in the U.S. Alamogordo Q economic research for the Oklahoma Navy. The mission of the foundation Bankers Association in Oklahoma is to provide lasting, quality outdoor ANKERS IGEST® City. mentorship to children who have lost B Established D 1942 Hazelton had served with Bank of a parent or who have a parent who A Weekly Bank News Magazine America and First Fidelity Bank, N.A., has become physically challenged as (USPS 041180) in Oklahoma City after his relocation a result of public service Published every Monday at Dallas, Texas Q from Ohio in 2002. Please route this issue: Copyright 2008 Bankers Digest® He received a bachelors degree and BONNIE JAMISON BLACKMAN, Publisher/Editor an MBA degree from Ohio State Uni- R. GILBERT BLACKMAN JR., Managing Editor versity 9550 Forest Lane, Suite 125 Q Dallas, Texas 75243-5928 Phone 214/221-4544 Fax 214/221-4546 E-mail: [email protected] BANKERS DIGEST In This Issue... website: www.bankersdigest.com WANTS TO REPORT YOUR FDIC Releases Letter to Subscription rate: BANK NEWS! One year $36.00, single copy $1.00 Stakeholders for Third Quarter Opinions expressed by columnists and writ- email of 2008 ers of bylined articles are not necessarily [email protected] those of Bankers Digest. Editorial guidelines .............................3 may be obtained upon request. Articles and Feature............... photos may be submitted to above address or sent via e-mail. Phone 214/221-4544 Charter Activity............................8 Periodical postage paid at Dallas, Texas POSTMASTER: Send address changes to Bankers Digest®, 9550 Forest Lane, Suite 125, Fax 214/221-4546 Classified.......................................9 Dallas, Texas 75243-5928. Page BANKERS DIGEST December , 008 F E A T U R E REGULATORS OUR PRIORITIES ment fees. Depositor Protection • FDIC-insured commercial banks and FDIC Letter to Stakeholders • On October 3, President George savings institutions reported net in- for Third Quarter of 2008 W. Bush signed the Emergency Eco- come of $1.7 billion in the third quarter, nomic Stabilization Act of 2008, which a decline of $27.0 billion (94%) from the Source: temporarily increases the basic FDIC third quarter of 2007. FDIC deposit insurance coverage limits from • The Deposit Insurance Fund balance Washington, DC $100,000 to $250,000 per depositor decreased $10.6 billion (23.5%) to www.fdic.gov through December 31, 2009. $34.6 billion during the third quarter. • On October 14, the FDIC announced This decrease was primarily the result Federal De- the Temporary Liquidity Guarantee of an $11 billion increase in estimated posit Insur- Program to strengthen confidence losses for future failures recorded in BD ance Corpora- and increase liquidity in the banking the third quarter. As of September 30, tion Chairman system. The new program will, for the reserve ratio was .76%, down from Sheila C. Bair participating entities, guarantee newly 1.01% as of June 30. FEATURE has released issued senior unsecured debt of eli- Mission Support the agency’s gible institutions and will provide full • On August 20, IndyMac Federal Bank, latest Letter to Stakeholders which highlights deposit insurance coverage for non-in- FSB, launched a new program to sys- its activities and accomplishments dur- terest bearing transaction accounts in temically modify troubled mortgages. ing the third quarter of 2008, a period of FDIC-insured institutions, regardless This program is designed to achieve turmoil in the nation’s financial sector of the dollar amount. affordable and sustainable mortgage not seen since the Great Depression. • On October 7, the FDIC board voted payments for borrowers and increases The FDIC, along with the Treasury and to adopt a restoration plan and issued the value of distressed mortgages by the Federal Reserve, have taken unpre- a notice of proposed rulemaking that rehabilitating them into performing cendented measures to bolster public would increase the rates banks pay loans. confidence in the nation’s financial insti- for deposit insurance, while making • On September 22, the FDIC launched tutions and in the U.S. economy. adjustments designed to ensure that a national campaign designed to help The highlights are summarized in the riskier institutions bear a greater share consumers learn about the benefits following two sections. of the proposed increase in assess- (continued on Page 12) December , 008 BANKERS DIGEST Page P E O P L E TEXAS Reeves Upped to EVP, Brown Is VP and Manager, Supak Promoted at First Gilby to SVP, Frost Bank Lone Star Bank in Brazoria Victoria in Corpus Christi Russell Brown has been named vice Terri Irvin Supak, assistant banking Frost Bank San Antonio region presi- president and branch manager at the center manager for First Victoria Na- dent Don Frost recently announced that Brazoria branch of Lone Star Bank, SSB, tional Bank in Corpus Christi, has been Cindy Reeves was promoted to execu- Moulton. promoted to bank officer. She serves tive vice president, Brown, a 33- at the Timbergate location at 6670 S. credit administra- year banker, has Staples St. tion support. She experience in all Supak has two years of banking is a 32-year banker phases and facets experience. She holds a BBA degree and holds a BBA of banking, includ- in business administration from Texas degree in finance ing finance and ac- A&M University-Corpus Christi Q from Wichita State counting. He most University. recently served as Former Corpus Bank Exec Judy Gilby was president of Bank Harris Named Controller promoted to se- Reeves of South Texas, Brown nior vice president, Kingsville branch, WaterStreet Ltd., a Corpus Christi financial manage- and earlier as chairman and presi- food and entertainment company, has ment group-re- dent/CEO of predecessor Hebbronville named former Corpus Christi banking tirement services. State Bank. executive Emmett Harris corporate The 30-year banker He holds a BBA degree in account- controller. earned a BS degree ing from St. Mary’s University in San Harris has 38 years of experience in in accounting from Antonio and is a graduate of the BAI banking, finance, and accounting. He Wichita State Uni- graduate banking school at the Uni- previously served as executive vice versity. versity of WI. president/COO of First Commmerce The bank also Lone Star Bank operates banking Bank-Corpus Christi. Earlier, he served announced the Gilby offices in Angleton, Austin, Brazoria, in finance and accounting with the promotion of Kate Gonzales, Moulton, and Shiner bank, which is now part of Kleberg First Crosby to vice president, commercial Q National Bank, Kingsville. He began his lending and business development of- Michael Davis was promoted to as- career with The Mercantile National ficer, North Frost Financial Center. sistant financial management group Bank of Corpus Christi in 1970. Cecily Jeser-Cannavale was pro- officer, Frost Wealth Management He received a BBA degree in finance moted to administrative officer, value from Texas A&I University in Kingsville, Services Q in prospecting.
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