Marshall, Vickers, and Zacek Named Senior Executives at Prosperity

November 11, 2013 www.bankersdigest.com Volume 143, No. 18 Marshall, Vickers, and Zacek Named Senior Gamewell Upped to EVP, Executives at Prosperity Following FVNB Merger Arkansas Bankers Assoc Prosperity Bancshares Inc.®, Houston, lending officer of FVNB, will join Pros- Aaron Gamewell has been promoted TX, the parent company of Prosperity perity Bank as senior EVP and will to executive vice president and COO Bank®, El Campo, serve on Prosperi- of the Arkansas TX, announced ty Bank’s executive Bankers Associa- the completion loan committee. tion in Little Rock, of the merger of John Zacek, according to an $2.4 billion-asset former EVP of the announcement by FVNB Corp. with Victoria Region Bill Holmes, ARBA and into Prosper- for FVNB, will be- president/CEO. ity and the merger come president Gamewell joined of FVNB’s wholly – South Texas the association in owned subsid- Marshall area for Prosper- Zacek May 2012 as SVP Gamewell iary, First Victoria ity Bank and will of professional de- National Bank, Victoria, TX, with and have management responsibilities for velopment. He has been instrumental into Prosperity Bank, all effective on Prosperity Bank’s South Texas Area. in helping to expand the professional November 1, 2013, according to David Other area and regional officers development (formerly education) de- Zalman, chairman/CEO of Prosperity of First Victoria who joined Prosper- partment, supported the further de- Bank. ity Bank upon consummation of the velopment and growth of the commu- M. Russell merger include: Tim Jones as presi- nications department, and has made Marshall, former dent – Bryan/College Station Area, great strides in improving the overall CEO of FVNB, will Kevin Kaplan as regional president processes and day-to-day operations serve the com- – Corpus Christi, Travis Freeman as of the association. His current respon- bined entity as regional president – The Woodlands/ sibilities will increase to include lead- chairman – wealth Magnolia, Barry Williams as regional ership of government relations. management/pri- president – New Braunfels, and Royce He has over 23 years of experience vate banking, re- Moran as regional president – Victo- in banking and financial services, in- sponsible for the ria. cluding lending, collections, training, wealth manage- Vickers Prosperity Bancshares Inc., formed sales and marketing. and accounting ment operations in 1983, now has $16.1 billion in as- areas Q for all of Prosperity Bank. sets and banking operations in TX and Please route this issue: Kenneth Vickers, former chief OK Q Murray Is Senior Private Banking Manager in Santa Fe First National Bank of Santa Fe, Santa promotion of Kevin Flores to as- Fe, NM, has announced the promotion sistant vice president in commercial In This Issue... of Pat Murray to senior private bank- lending. He serves customers from ing manager. Murray has two years of the main office on the Santa Fe Plaza. The New Normal of Interviewing service with First National and ear- Flores joined First National in 2011 and Hiring lier eight years with First Community and most recently served as a senior Feature...... 3 Bank, with extensive focus on serving account manager in private banking. private banking customers. She is a He is a graduate of the Western States Charter Activity...... 9 graduate of the Western States School School of Banking in 2013 and earned of Banking and a Santa Fe native. an MBA degree from the University of Classified...... 10 The bank has also announced the New Mexico in 2008 Q Published weekly on Mondays except fifth Mondays p e o p l e TEXAS Eubank Is Pampa President, Monroe Relocates Camp Named President, J. Pat Hickman, chairman/CEO of Happy/Amarillo, announced the pro- Chase Bank San Antonio Happy State Bank and Trust Company, motion of J. Alan Eubank to president JPMorgan Chase Bank, N. A., has hired of the Pampa market. Eubank joined Morris Camp as region president the bank in 2011 in San Antonio, and has served as where the bank senior vice presi- has 51 branches dent in commer- and 5,000 employ- cial lending since ees. He succeeds that time. He Jay Clingman, who graduated from has been named Texas Tech Univer- president of Chase sity with a BS de- Bank in Dallas. gree in agricultural Camp previ- Eubank economics and Camp ously worked at finance, and has Wells Fargo Bank as senior vice presi- over 17 years of banking experience. dent and senior commercial relation- He currently serves as a board mem- ship manager. The 18-year banker is a ber for the Pampa Industrial Founda- graduate of the University of Alabama tion and the Pampa Rotary Club. with a degree in commerce and busi- Ryan Monroe, previous Pampa ness administration president, has relocated to Amarillo Q to serve as senior vice president in LaRue Upped to VP/Cashier, commercial and oil & gas lending at the Amarillo downtown location. He Benchmark Bank in Plano will continue working with his exist- Benchmark Bank, Plano, has an- ing lending relationships and assist in nounced three recent promotions. Pampa when needed. He joined Hap- Amy LaRue has been promoted py State in 2008 and has 18 years of from assistant vice president to vice banking experience. Monroe obtained president and head cashier. a BBA degree from Wayland Baptist Shannon Estes has received a pro- University and serves on the boards motion to senior banking specialist. for the Panhandle Down Syndrome April Conner has been promoted to banking specialist Guild and the Pampa United Way Q Q

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Page 2 BANKERS DIGEST November 11, 2013 F E A T U R E E M P L O Y M E N T many “REAL” interviews, they don’t better themselves. need or take the time for team meet- • Assume that if you’re going to make The New Normal of ings. a candidate an offer, so are two other Interviewing and Hiring • Candidates are more likely to receive organizations. • Candidates won’t tolerate the “nine By counteroffers than they ever have in person interviewing process that we Anthony Beshara, Ph.D., President the past. have to have in order to be careful to Babich & Associates • Candidates may not have an updat- hire the right person.” They don’t have Dallas, Texas ed resume. In this market, they may to put up with this anymore. Your www.babich.com not need one. Please don’t recite the mantra that says, “Well, if they’re se- competition is interviewing them no SOME CUR- rious about looking for a job they’ll more than three times and making RENT HIRING have a new resume.” Their “serious- them an offer... and doing it quickly! BD REALITIES ness” simply depends on whether the • Candidates don’t have to consider • The time opportunity you have allows them to (continued on Page 9) that good FEATURE candidates are on the market is shorter than it’s ever been. • The number of good candidates who are on the market is fewer than it’s been in ten years. • The money you paid two years ago or even one year ago won’t get the kind of candidate you really want. • Candidates are not as prone to “fill out your online application” as they used to be. • Candidates won’t talk to your 22 year old corporate recruiter whose job it is to screen them. • Candidates are not going to go to your “tracking portal” to apply for your job. • Candidates don’t want to talk to anyone but YOU...the hiring authority... WHY? ... Because the people who are also trying to hire this candidate are also having their managers talk with them directly. • The candidate you like is being considered by at least three other organizations... he or she has many choices. If you tell a candidate that you’re going to get back to him/her by a cer- tain time, best do it... a year or so ago good candidates had to live with being treated poorly; they don’t have to put up with that any more. They have too many choices. Your competition is “courting” them heavily. • A “lowball” offer is likely to be re- jected. • “Meeting the team... just so you can get a feel for our company.” The REAL TRUTH is: so they can possibly elimi- nate you as competition. This request will be ignored or outright refused by candidates... The majority of the time they are employed and are getting so

November 11, 2013 BANKERS DIGEST Page 3 p e o p l e TEXAS LOUISIANA Henslee Upped to AVP, England Named EVP, Judson Upped to First Vice Federal Reserve Dallas Westbound in Houston President, MidSouth Bank The Federal Reserve Bank of Dallas Robert Kramer, president/CEO of MidSouth Bank, N. A., Lafayette, has has named Steve Henslee assistant Westbound Bank, Katy, announced promoted veteran banker Pam Judson vice president in the Consumer Affairs Troy England has joined as execu- to first vice president. and Applications tive vice president Judson, who has 26 years of bank- Division of the and chief lending ing experience, has served 19 of those Banking Supervi- officer at the Katy with MidSouth Bank. She has worked sion Department. location. He has in all areas of the bank, including as a Henslee is re- been serving the personal banker and branch manager. She was promoted to cash manage- sponsible for en- Houston/Conroe/ ment director in 2003. suring financial The Woodlands As head of the cash management institutions in the business commu- sales team, her responsibilities in- Eleventh Federal nity since 1989. clude sales, product development, Henslee Reserve District England Prior to join- and training. She serves from the are compliant with ing Westbound, he bank’s main office at 102 Versailles federal laws and regulations protect- served at First Bank, N. A., in Conroe for Blvd. in Lafayette. ing consumers, and approving merg- nearly three years and prior to that, 12 Judson attended Central Texas Col- ers and acquisitions, changes in con- years with Woodforest National Bank, lege, where she studied finance. trol and ownership, and other banking The Woodlands, in commercial lending MidSouth Bancorp Inc., the bank’s requests by financial institutions that and credit administration. He also has parent, is a financial holding company require Fed review and consent. served in various credit administration with assets of $1.9 billion as of June Previously, he worked for the Con- and lending positions with other Hous- 30, 2013. MidSouth Bank offers a full sumer Financial Protection Bureau as ton banks and completed his formal range of banking services to commer- well as the Federal Reserve Bank of bank credit training with Comerica Bank. cial and retail customers in LA and TX Kansas City. For 34 years, he held a He holds a BBA degree in market- through a network of 61 locations variety of positions at the Office of the ing and finance at Lamar University in Q Comptroller of the Currency. Beaumont. During his career, he has He is a graduate of Western Michi- volunteered with many community OKLAHOMA gan University, the Herbert V. Proch- organizations. He regularly addresses Arvest Promotes Foley and now Graduate School of Banking at the undergraduate finance/banking de- University of Wisconsin, and is a certi- gree students at Sam Houston State Hammontree to Managers fied regulatory compliance manager Arvest Bank in Oklahoma City has Q University Q promoted Taylor Foley and Mickeal Hammontree to branch managers. Foley serves at the Edmond branch Proven Process at 1133 N. Bryant. He joined Arvest in 2009 and recently served as assistant Experienced Team branch manager. He is a graduate of David Coleman Lic# 13489 Elms College in MA. Winning Results Hammontree serves as private banking manager at 5621 N. Classen Blvd. Are you making smart decisions with your OREO? branch in Oklahoma City. He is a five- year bank employee and a graduate of · Creates urgency the University of Central Oklahoma Q The Auction Method is an Accelerated Marketing · Eliminates contingencies Grigsby Appointed Director, CrossFirst Holdings in KS Process that: · Generates competition for your property Jennifer Grigsby has been appointed to the board of directors for CrossFirst We have a plan to sell your property at the best Holdings, Leawood, KS, the parent company of CrossFirst Bank. Grigsby possible price in today’s market. previously served on the bank’s board. She is a CPA and SVP, corporate and ColemanandPatterson.com | 888-300-0005 strategic planning, with Chesapeake Energy Q Page 4 BANKERS DIGEST November 11, 2013 N E W S W A T C H LOUISIANA Home Bancorp and Britton JD Bank, Jennings, Officially Opens Two Lake Charles Offices & Koontz Announce Merger JD Bank, Jen- Two banking companies with a com- nings, recently bined 252 years of serving customers opened two full- in LA and MS announced a merger service banking agreement on November 5. locations in Lake Home Bancorp Inc., the holding Charles. The new branches, company of the 105-year-old Home JD Bank - Big Lake, 4904 Big Lake Rd. Bank, both of Lafayette, and Britton 4904 Big Lake Rd. & Koontz Capital Corporation, the and 4989 E. Mc- holding company of the 147-year-old Neese St., house the insurance Britton & Koontz Bank, N. A., (char- and mortgage tered in 1866), both of Natchez, MS, departments, re- jointly announced the signing of a spectively. The definitive agreement under which bank now has 20 Home Bancorp will acquire Britton & locations across Koontz for an aggregate deal value of southwest LA $34.5 million. Under the terms of the Q JD Bank - Morganfield, 4904 E. McNeese St. agreement, shareholders of Britton & Koontz will receive $16.14 per share in Branching? cash upon completion of the merger. Britton & Koontz Bank currently op- TEMPORARY AND MODULAR BANKING FACILITIES erates three branches in Baton Rouge and five branches in Adams and War- ren counties, MS. As of September 30, 2013, the bank had assets of $313 million, $175 million in loans, and $224 million in deposits. The combined company will have assets of approximately $1.2 billion, $843 million in Temporary and Modular buildings equipped with all bank equipment; night loans, and $990 million in deposits. depositories and pneumatic tube systems. BR window and Deal drawer. Under the terms of the agreement, National Modular Bank Buildings Call Myrna 1/800-615-7320 Britton & Koontz Bank will be merged 2810 Lawing Lane www.modularbank.com with and into Home Bank promptly Rowlett, TX 75088 Email:[email protected] following the completion of the holding company merger. The merger agreement was unani- mously approved by the boards of directors for both companies. The transaction is expected to close in the first quarter of 2014, subject to customary closing conditions, including regulatory approvals and Britton & Koontz shareholder approval. Following the merger, Home Bank’s capital position is expected to remain one of the strongest in the industry with leverage and total risk-based capital ratios above 11% and 17%, re- spectively. No additional capital will be needed by Home Bancorp to complete the transaction. John W. Bordelon, president/CEO of Home Bancorp, said, “This acquisition is a great fit for our company on many levels. It also doubles our Baton Rouge loan and deposit base.” Q

ALMF-1336 Qrt Pg 4C (Einsweiler) v1.indd 1 November 11, 2013 BANKERS DIGEST10/31/13 10:15Page AM 5

JOB #: ALMF-1336 Qrt pg Ad CLIENT: ALM First PUB: Bankers Digest BLEED: N/A TRIM: 4.75”w x 3.75”t LIVE: N/A GUTTER: N/A LS/COLORS: 4C INSERT: N/A N E W S W A T C H TEXAS Park Cities Bank, Dallas, Finds Buyer to Recapitalize Bank Atlanta’s SunTrust Bank Targets Dallas for Expansion Troubled Park Cities Bank, Dallas, has Park Cities Financial Group is lo- found a buyer to recapitalize the bank cated at 6207 Hillcrest Ave. in Dallas. SunTrust Banks Inc , the nation’s 13th to meet regulatory requirements, ac- The company overview says Park Cit- largest bank, said on November 4 that cording to an article by Hannah Cho ies Financial Group provides financial it is adding corporate lending offices in The Dallas Morning News. planning advice services and is a sub- in Dallas, San Francisco, and Chica- The $422 million-asset bank an- sidiary of United Capital Financial Ad- go as part of its strategy to turn that nounced on October 16 that Park visors Inc., which has corporate head- business into a nationally focused Cities Financial Group has agreed to quarters in Newport Beach, CA. operation instead of a regional one, purchase and recapitalize the finan- Park Cities Bank CEO John D. Di- according to an news story by Peter cial institution. Park Cities Financial enes said Park Cities Financial’s in- Rudegeair on Reuters. Group’s lead investor is the family of vestment strengthens the bank’s bal- SunTrust Robinson Humphrey, the Dallas billionaire Darwin Deason, ance sheet and helps it meet capital corporate and investment banking arm of the Atlanta, GA, bank, is focus- who founded information technology ratios required by federal regulators. company Affiliated Computer Services ing on businesses in the three cities The bank can now “be like any other Inc., which has been owned by Xerox with annual revenues between $100 healthy bank going at it and compet- Corporation since 2010. million and $5 billion, Mark Chancy, ing for business and bringing custom- Park Cities Bank has been under SunTrust’s head of wholesale banking ers in and satisfying existing custom- a federal consent decree to shore up said in an interview. ers,” Dienes said in an interview with its capital and address weaknesses in SunTrust plans to offer traditional the newspaper. He said the FDIC, the asset quality and liquidity since April banking services, including deposit- Federal Reserve, and the Texas De- 2010. For the last two years, the bank taking, lending, and treasury man- partment of Banking have been made has been working with Dallas-based agement. As the companies grow, the aware of the bank’s progress and plans. Commerce Street Capital to find solu- bank can also offer investment bank- tions, including a possible sale. Separately on October 16, Park ing services like stock and bond un- Financial terms of the deal with Cities Bank’s holding companies, derwriting, Chancy said. Park Cities Financial Group were not North Texas Bancshares and North SunTrust plans to staff the three disclosed in the newspaper article. Texas Bancshares of Delaware, filed corporate banking offices with 10 to 20 However, research firm SNL Financial for Chapter 11 bankruptcy protection. professionals. In addition, it is looking LLC, Charlottesville, VA, reported on Park Cities Bank will be sold under at other opportunities for expansion. October 31 that Park Cities Financial Section 363 of the U.S. Bankruptcy SunTrust, with total assets of $171.8 Group agreed to pay “$7.35 million in Code billion, said around 40% of its revenue cash plus an equity contribution to Dienes said the bankruptcy protec- comes from wholesale banking, a divi- the bank of up to $40 million.” tion does not affect the bank Q sion that includes SunTrust Robinson Humphrey Q American Bank Corpus to Expand Victoria Branch American Bank, N. A., Corpus Christi, has begun a remodeling project to expand its Victoria branch. The project will add 1,000 square feet of office and conference room space to the existing building at 4304 N. Navarro at Mock- ingbird Ln. The estimated completion date is mid-January, 2014. “Significant growth in the bank’s cus- tomer base and staff has quickly made the space inadequate. With the addition of two more senior commercial lending officers in the last 14 months, an expansion of the facility was greatly needed,” said Jim Johnson, Victoria senior commercial lending officer. Johnson and Patricia Nagle have joined the bank during this time period Q Page 6 BANKERS DIGEST November 11, 2013 N E W S W A T C H ARKANSAS QUALIFIED MORTGAGE LENDING First Bank of Hampton to Federal Regulators Provide Guidance on QM Fair Lending Buy First Community Bank Five federal regulatory agencies on ferings in response to the Ability-to- First Community Bank of Crawford October 22 issued a statement to ad- Repay Rule are similar to decisions County, Van Buren, recently identified dress industry questions about fair creditors have made with regard to by federal regulators as “significantly lending risks associated with offering other significant regulatory changes undercapitalized,” said October 29 only Qualified Mortgages. Creditors affecting particular types of loans. that it is being sold to First Bank of have asked for clarity regarding wheth- The statement counsels that credi- Hampton, pending regulatory approv- er the disparate impact doctrine of the tors should continue to evaluate fair als from the Arkansas State Bank De- Equal Credit Opportunity Act (ECOA) lending risk as they would for other partment and the FDIC. The news was and its implementing regulation, Reg- types of product selections, including reported in a story by George Waldon ulation B, allows them to originate by carefully monitoring policies and and Lance Turner at www.arkansasbusi- only Qualified Mortgages. For the rea- practices and implementing effective ness.com. sons described in the statement, the compliance management systems. The deal will fold First Community’s five agencies do not anticipate that a The agencies issuing the statement operations into First Bank. Financial creditor’s decision to offer only Quali- with supervisory authority for the Fair fied Mortgages would, absent other terms of the transaction, which is ex- Housing Act (FHA) believe that the factors, elevate a supervised institu- pected to close in the first quarter of same principles apply in determin- tion’s fair lending risk. 2014, were not disclosed. ing compliance with the FHA and its The Consumer Financial Protection Under the deal, Terry Carson, presi- implementing regulation. Bureau’s Ability-to-Repay Rule imple- dent of First Community, will become The statement is being issued by ments provisions of the Dodd-Frank market president for Crawford County. the Board of Governors of the Federal Wall Street Reform and Consumer Protec- Phil Foster, president/CEO of First Reserve System, the Consumer Finan- tion Act that require creditors to make cial Protection Bureau, the Federal Bank, said the expansion into west- a reasonable, good faith determina- ern AR is a great opportunity for First Deposit Insurance Corporation, the tion that a consumer has the ability to National Credit Union Administra- Bank. He called Crawford County “a repay a mortgage loan before extend- very attractive market to be in.” tion, and the Office of the Comptroller ing credit to the consumer. Lenders of the Currency. First Community has reported loss- are presumed to have complied with es in 2011, 2012, and through the first A copy of the statement is avail- the Ability-to-Repay Rule if they is- able at: six months of 2013. Equity capital has http://www.fdic.gov/news/news/ sue Qualified Mortgages, which must press/2013/pr13091a.html dropped from $10.6 million at year- satisfy requirements that prohibit or In a comment letter sent to regu- end 2010 to $4.3 million as of June 30. limit risky features that harmed con- lators on October 30, the American In June 2013, First Community an- sumers in the recent crisis. Bankers Association expressed strong nounced plans to merge with and into The agencies note the decisions affiliate bank First National Bank of creditors will make about product of- (continued on Page 8) Crossett, Crossett. First Community had filed an application with the Ar- kansas State Banking Department for permisssion to merge. A renovation 75 years In July 2013, First Community en- in the making has all tered into a consent order with the building to this. FDIC that called for improved capital With pride in our history and a and reduced concentrations of credit. renewed vision for the future, we are proud to announce that The FDIC recently made public a Sep- McCleary German Architects is tember 12 “prompt corrective action transforming into MG Architects. directive” that labeled the bank “sig- Though our brand has changed, we nificantly undercapitalized.” The FDIC are still committed to beautiful, sustainable and functional gave First Community Bank 45 days architecture. Additionally, our focus from September 12 to bring its capital on uncommon service excellence back up to the point considered ad- and long-standing client relationships still remain the same, equate. just as they have been from day one. The $67 million-asset First Com- munity Bank operates full-service locations in Van Buren and Alma. ® Endorsed Provider First Bank has four locations in Camden, and one each in Hampton, Junction City, Rogers, and Siloam Springs. Its total assets as of Septem- ber 30 were $257 million Q November 11, 2013 BANKERS DIGEST Page 7 N E W S W A T C H BANK FAILURES Florida Bank Fails on October 30, Total YTD Failures 23; Bank Class of 2013 The Florida Office of Financial Regu- tober 31, as branches of First Federal failures thus far in 2013 have involved lation closed Bank of Jackson County, Bank of Florida. a loss-share agreement. In 2012, the Graceville, on Wednesday, October 30, As of June 20, 2013, Bank of Jackson FDIC entered loss-share agreements and appointed the FDIC receiver. The County had approximately $25.5 mil- with the buyers of 20 of the 51 closed FDIC entered into a P&A agreement lion in total assets and $25.0 million banks. In 2011, the FDIC entered loss- with First Federal Bank of Florida, Lake in total deposits. The failure is the share agreements with the buyers of City, to assume all of the deposits fourth in FL in 2013. 58 of the 92 closed banks. and to purchase approximately $23.1 According to information supplied The median cost to the FDIC’s de- million of the assets. The two former from a report by research firm SNL posit insurance fund at the time of Bank of Jackson County branches were Financial, Charlottesville, VA, (www. announcement as a percentage of the expected to reopen on Thursday, Oc- snl.com) as of October 18 only three of failed banks’ assets was 24% so far in 2013, 21% in 2012, and 23% in 2011. The largest bank failure since 2010 was Edinburg, TX-based First National Bank ($3.09 billion), which was closed by the OCC on September 13 and sold to PlainsCapital Bank in Dallas. The transaction was structured as a whole bank purchase and assumption with loss share coverage on $1.8 billion of First National Bank’s assets. Plain- sCapital assumed all deposits and reopened all 51 former First National Bank branches on September 16. Failed bank numbers by year: 2009- 140, 2010-157, 2011-92, 2012-51, and YTD 2013-23 as of October 30. To read the full report and analysis visit: http://www.snl.com/InteractiveX/Ar- ticle.aspx?cdid=A-16726772-10799 Q QM Fair Lending (continued from Page 7) support for the re-proposed Qualified Residential Mortgage standard. The revised proposal aligns QRM with the CFPB’s Qualified Mortgage rule, re- leased earlier this year. “A QRM standard that mirrors the CFPB’s QM rule is a big step forward in strengthening the housing market,” said Frank Keating, ABA president/ CEO. “QM loans will be well under- written and cannot include risky features, so it makes little sense to define QRM more narrowly.” According to the letter, the revised rule reduces the risk of default and delinquency, provides clarity and con- sistency for mortgage professionals, and ensures creditworthy homebuyers have access to safe mortgage financ- ing. The ABA warned that an alternative approach included in the proposal, known as QRM-plus, which requires borrowers to put 30% down, will con- strain the availability of credit and (continued on Page 9)

Page 8 BANKERS DIGEST November 11, 2013 R E G U L A T O R S plication by Commerce Bank Texas, Feature (continued from Page 3) Stockdale, for a branch at 1501 Bexar • Candidates don’t have to consider C h a r t e r Crossing, San Antonio. “temp-to-perm” types of opportuni- The TXDB has received an applica- ties. Too many companies are willing a c t i v i t y tion by Round Top State Bank, Round to hire them permanently from the Top, for a branch at 2250 N. A.W. get-go. While you’re trying to be care- Arizona Grimes Blvd., Round Rock. ful by hiring them temp-to-perm, your competitor is making a perceived long BRANCHES MERGERS AND ACQUISITIONS term commitment, with benefits that The OFFICE OF THE COMPTROL- The FEDERAL RESERVE BANK LER OF THE CURRENCY has with- start immediately, etc. OF DALLAS has received an applica- drawn a business combination appli- tion by Park Cities Financial Group cation by First Scottsdale Bank, N. A., SELL YOUR JOB Inc., Dallas, to become a bank holding Scottsdale, to merge with Commerce Give candidates real good reasons company through the acquisition of Bank of Arizona Inc., Tucson. why they ought to be going to work Arkansas 100% of Park Cities Bank, Dallas. for you. The idea that “anyone would MERGERS AND ACQUISITIONS MEMBERSHIP be lucky to work here” just doesn’t fly The OCC has approved a business The FRB OF DALLAS has received anymore. combination application by The First an application by Liberty Bank, Hurst, Treat every candidate as though he National Bank of Fort Smith, Fort to become a member of the Federal or she is being recruited, is happy with Smith, to merge with affiliate Nation- Reserve System. their current job, and has a number of suitors and choices. al Bank of Sallisaw, Sallisaw, OK, with NAME CHANGE Your interviewing cycle needs to the resultant institution The First Na- The TXDB has received an applica- tional Bank of Fort Smith, Fort Smith. be short; anything beyond ten work- tion by Greater South Texas Bank, Fal- ing days is a risk...your competition is Louisiana furrias, to amend its articles of asso- BRANCHES moving faster than that. ciation for a name change to Greater The OCC has received an applica- Tell your human resource recruiting State Bank, Falfurrias tion by MidSouth Bank, N. A., Lafay- Q department to respectfully get out of ette, for a branch at 3400 Joe Ramsey the way. Their protective compliance Blvd. E., Greenville, TX. QM Fair Lending (continued from Page 8) activities are costing you candidates. Oklahoma should not be adopted. They really don’t think about how hard BRANCHES ABA also urged regulators to make it is to find these folks; they don’t have The OCC has received a business changes to the broader risk retention quotas. No one in their department combination application by Great proposal, including an amendment to complains about having to do the Plains National Bank, Elk City, for a P&A permit proportionate allocation of risk work of two people while you are try- involving First American Bank, Purcell. retention to originators, rather than a ing to fill a vacancy. They’re trying to Texas 20% minimum Q (continued on Page 12) BRANCHES The OCC has received an application by Capital One, N. A., McClean, Heflin Building Systems, LP VA, for a branch at 2540 Eldridge “Providing your every construction need” Pkwy., Houston. The OCC has received an application by Communitybank of Texas, N. 8 Innovative A., Beaumont, for a branch at 10333 8 Richmond Ave., Ste. 100, Houston. Experienced The OCC has approved an applica- 8 Professional tion by First Community Bank, N. A., Sugar Land, for a branch at 4135 Belt- line, Ste. 124, Addison. Call us today! The OCC has approved an appli- 817-460-0100 cation by First Financial Bank, N. A., Abilene, for a branch at 3515 Dowlen Rd., Beaumont. The TEXAS DEPARTMENT OF We offer Permanent or Temporary Buildings of any style construction with BANKING has approved an applica- competitive pricing and complimentary marketing packages that include tion by Prosperity Bank, El Campo, to Site Plan, Floor Plan, Elevations and 3D Computer Renderings to ensure relocate a branch from 145 N. Jeffer- your complete satisfaction. son to 109 E. Pearl St., Goliad. 2305 Roosevelt Drive, Suite D Arlington, Texas 76016 fax (817)460-0111 www.heflinbuildings.com The TXDB has approved an ap-

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Page 10 BANKERS DIGEST November 11, 2013 C L A S S I F I E D based in San Antonio selling to banks Texas. Must be experienced in all email resume and salary require- and credit unions the company’s CCTV types of loans with an aggressive ments to [email protected] systems, physical security equipment, marketing personality. Excellent op- LENDING OFFICER. Tired of your alarms, and service contracts. Excel- portunity for advancement with this organization. Please send resume to bank getting in your way? Tired of lent benefits, training, and support Margaret Long, Sanger Bank, P.O. Box irrational banking policy and bu- from this Dallas-based company. See 1029, Sanger, TX 76266. Fax 940-872- reaucracy? Are you ready to make securitytexas.com and iris-dvs.com. 9601, [email protected] good quality loans to your good Experience in this field is required, customers? Are you ready for your college preferred, and computer, writ- New Mexico bank seeks full-time Spe- employer to be part of the solu- ing, and speaking skills are required. cial Assets Officer (SAO) to work tion rather than the problem? If you E-mail [email protected]. out a small but significant dollar per- live in the Dallas/Ft Worth area or centage of classified and OREO loans. Northeast Texas, we might be able to help. Excellent opportunity with Experienced Lending Officer Once that task is completed, the posi- great benefits. Please send your needed for $115M bank in Sanger, tion will transition into a Chief Cred- it Officer (CCO) or Commercial resume & cover letter to bankers- Lender (CL) depending on the need [email protected], subject SUCCESSION PLANNING at that time. The SAO position requires line Box O-4. a thorough understanding of problem Far too often, banks are loans and the ability to relate that in- COMMERCIAL LENDING OFFICER caught up in the cycle where formation to the board, management, needed for loan production office Succession Planning should and regulators. Salary commensurate in AMARILLO, TX. Please forward be at the forefront but in with experience. Please respond to resume to Ken Baker at kbaker@ all honesty, it falls to the [email protected], bankofhydro.com or call (580) 323- 6400. wayside down to the bottom subject line Box O-3. of the famous “To Do List”. As First United Bank is seeking a com- First Community Bank seeks Assis- the famous Zig Ziglar would mercial lender with strong busi- tant Cashier/Controller. We quote, “Fail to plan, plan to ness development skills for our Wich- are a $360mm community bank with fail”. Planning does not only ita Falls Banking Center. 3-5 years 7 branches in Corpus Christi and the include the daily operations lending experience required. Please surrounding areas. We are looking of your organization for success, but staffing planning as well. Very few banks bring in an understudy for key Chief Operations Officer executive positions within Denton, Texas their organization. As we are not promised tomorrow, these NORTHSTAR BANK of Texas is seeking a COO with proven leadership skills to individuals should be in place guide and formulate strategic growth initiatives. The successful candidate will in case life throws us a curve. have 10+ years of related banking experience in all areas of operations, retail With the continued changing banking, treasury management, vendor management, etc., and is responsible climate in the banking industry, for the development and maintenance of programs for the physical security of more often than not are we the Bank’s assets. seeing regulators request this of our banks. What have you NORTHSTAR BANK is a growing $1 billion plus bank. As a member of Carlile done with your planning to Bancshares, Inc. headquartered in Fort Worth, TX, we are the largest commu- save your bank from the nity bank in Denton County, and one of the largest in the Dallas/Fort Worth stresses this causes on the area. With eleven locations in Denton County and Northeast Tarrant County, organization as a whole? NORTHSTAR leads the way in community banking with our responsive and Contact us today to help you personalized style. NORTHSTAR BANK has expanded into the Central Texas create this vital plan for your Region with four locations in Austin and one in Marble Falls. This creates 16 team. locations as we expand to serve two strong areas in Texas. In addition, our Mortgage Division has two offices located in Denton and Dallas, as well as Office Locations Mortgage Loan Originators in each Banking Center. Calhoun, LA 318-644-6436 Jacksonville, FL 904-713-2550 No recruiters please. Competitive salary and excellent benefits. EOE Send resume to [email protected]. For more information about NSB go to Email www.nstarbank.com. [email protected] “Best Places to Work for in Texas, 2013” ® SNI FINANCIAL "American Bankers Best Banks to Work For, 2013" DIVISION OF SNI COMPANIES

November 11, 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.

for an individual with a significant Feature (continued from Page 9) level of community bank experi- protect their jobs by telling you they ence. 10+ years in accounting, gen- are helping you. eral ledger, tax laws, holding com- Also, talk to the candidate direct- pany, bond portfolio, and regulatory ly. If candidates have to go through compliance skills required. Indi- your HR/recruiter/administrator/office vidual must possess strong organi- manager/screener, etc., they don’t feel zational skills and both verbal and loved and will be more likely to go to written communication skills. Com- work for hiring managers who estab- petitive salary and benefits. Send lish a personal rapport with them. resume and salary requirements to Please stop saying to candidates [email protected] EOE. that “hiring is one of the most impor- WACO COMMERCIAL LENDING OF- tant things I do...” then act like hiring FICER. First Community Bank, N.A., them is not a high priority by not re- a Texas-based bank with $600M in turning their calls, keeping in touch assets and 20+ locations in 7 mar- with them, postponing a decision, kets across the state, is seeking a keeping them in the dark, going ‘si- qualified candidate to manage and lent’, etc. develop our Waco and Central Tex- Stop looking for Mr. or Ms. Perfect, as commercial lending market. Ide- the purple squirrel who doesn’t really al candidate will be a professional exist or, if he does, he is happily em- self-starter with a minimum of 10 ployed and making more money than years commercial banking experi- you can afford. It will take you months ence, college degree and interest in to come to the conclusion that you’re managing an existing portfolio while not going to find this perfect person growing through active business so- and you’d best try to hire the best ath- licitation and calling efforts. Sub- lete you can find, the person who has mit resume and salary requirements been a winner at most everything she in confidence to humanresources@ has ever done, just not in the exact myfcbtexas.com. Please, no phone area you are searching. In the time it calls or recruiters. takes to find Mr. or Ms. Perfect, you can hire one of these best athletes EQUIPMENT and train them. FOR SALE: Opteva 750 – Advanced-func- Try to avoid writing a wish list of tion, Island Drive-Up ATM. ADA compli- requirements that reflect your fear of ant. Contact 580-222-8080 for details. hiring the wrong person. We got one of those lists the other day and it had FULLY OPERATIONAL BRANCH 32 items on it; the vice president who BANK available. Located on U.S. sent it to us laughed, saying that he’s Highway 380 in Little Elm, Texas. not sure why he wrote all that stuff Contact: [email protected] down and he didn’t even have all of those requirements. He didn’t know BANKING EQUIPMENT NEW AND of anybody who did Q USED: x2 units, fireproof files-notes, le- gal and letter, Money safes. FLAIR SYS- For more information about Babich & TEMS, 800/468-1246, 214/340-3580. Associates, visit: www.babich.com.

Page 12 BANKERS DIGEST November 11, 2013