Baldwin previously served as presi-dent/CEO of Southern Bancorp Inc.

in Arkadelphia, which grew assets from $250 mil-lion to $1.2 billion and increased its net income from $412,000 to more than $9 million a year under his leadership. He was associated with

Southern Bancorp from 2000 until 2011. Dews, who will continue as CEO, said he intends to transition off of the bank’s management team at the end of 2014 but will remain on the board of directors. Citizens Bank, established in 1953, has grown steadily to current total as-sets of nearly $548 million Q

Citizens Bank of Batesville, AR, an-nounced a strategy to grow into a ma-

jor regional bank-ing organization through expansion and acquisitions. In a bold first step of that plan, Citi-zens announced the hiring of a highly respected AR banking execu-tive as president.

Phillip N. Baldwin, formerly of Arka-delphia and most recently from At-lanta, GA, will assume the position of president on December 2, according to Board Chairman Jeff Teague. Bald-win will share the bank’s leadership responsibilities with John Dews, who has been serving as both president and CEO since 2010.

Valliance Bank, Oklahoma City, OK, has announced that Jesse Cowan has been named se-nior vice president of commercial lending. Cowan has 13 years of banking experience, spe-cializing in com-mercial, small business, and healthcare lend-ing. He began his banking career in 2000 with Stillwater National Bank and was elected president of Still-water National’s Edmond division in 2012, a position he held prior to join-ing Vallance. Cowan is a graduate of the SW Graduate School of Banking at SMU and holds an MBA degree from Okla-homa Christian University and a BA degree from Oklahoma State Univer-sity. An active community leader, he serves on the boards for the Edmond Fine Arts Institute, Campfire Heart of Oklahoma, and the Jim Thorpe Asso-ciation Q

Volume 143, No. 16October 28, 2013

In This Issue...The Impact of New Mortgage Servicing Rules on Community BanksFeature.............................................3

Charter Activity.............................9

Classified......................................10

Please route this issue:

www.bankersdigest.com

Hinders Elected President, Happy State Bank

Published weekly on Mondays except fifth Mondays

Hinders

Cowan Joins Valiance Bank as SVP in Ok City

Cowan

J. Pat Hickman, chairman/CEO of Hap-py State Bank & Trust Company, Ama-rillo, TX, has announced the election of

Gary Hinders as president of the bank. Hinders, a Can-yon, TX, native, began his bank-ing career as a credit analyst with Happy State Bank in 1992. He has served in many capacities related

to lending, rising through the ranks to most recently executive vice president in charge of lending. As president of the bank, he will assume more of the day-to-day management duties. Hick-man will continue as chairman of the board of directors and CEO.

Hinders graduated from West Texas A & M University with a BS degree in agriculture business and economics. He is also a graduate of the SW Grad-uate School of Banking at SMU and Texas Tech School of Applied Banking. He is an active member of the com-munity, currently serving as a commis-sioner for the City of Canyon and has served in that capacity for 10 years. In addition, he serves on the boards for the Randall County Farm Bureau and Dreamland Cemetery. The $2.2 billion-asset Happy State Bank & Trust Company, established in 1908, now has 32 locations in 22 communities in the TX Panhandle, the South Plains, and the Dallas/Fort Worth area. Happy State Bank also owns a non-depository branch – Gold-Star Trust Company, which is head-quartered in Canyon, TX Q

Baldwin Named President, Citizens of Batesville, AR

Baldwin Dews

Page 2 BANKERS DIGEST October 28, 2013

dent of the bank’s Dallas market. He will lead the $1.7 billion bank’s expan-sion into the North TX Metroplex later

this fall, said Rog-ers Pope, chair-man/CEO. Brown, with more than 30 years banking ex-perience, joins the bank after most recently serving as president of the Little Rock, AR-

based Bank of the Ozarks’ Manatee-Sarasota market on the FL Gulf Coast and previously as a senior commercial lender in Frisco. Brown holds a BA degree in busi-ness administration/finance from Southeastern Louisiana University. He currently serves on the board of directors for the University’s Founda-tion. A Captain in the U.S. Navy Re-serve, Supply Corps, he is an Opera-tion Desert Shield/Desert Storm and Iraqi Freedom veteran. Slated to open in 2014, Texas Bank and Trust Company’s de novo branch lo-cation in the Dallas metro market will mark the bank’s 19th branch location. The bank has pending two affiliate bank mergers to close in December Q

p e o p l e TeXAS

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Brown

Texas Bank & Trust Taps Brown to Lead Expansion Garza Named Vice President, Kleberg Bank in Kingsville

Hartlage Promoted to VP, BBVA Compass San Antonio

Barry Brown has joined Longview-based Texas Bank and Trust as presi- Edmundo J. “Eddie” Garza has been

named vice president at Kleberg First National Bank in Kingsville. He joins the South TX bank from the USDA Farm Service Agency, where he served for 20 years. Since 2001, he has been responsible for management of the 13-county district office in Alice. Garza, a native of Hebbronville, grad-uated magna cum laude from Texas A&M University-Kingsville with a BS degree in agriculture. He has also completed graduate studies in agribusiness and plant and soil science. He will provide technical and practical guidance to agribusiness producers with farm and ranch operations, equipment, and real estate holdings Q

Alyssa Hartlage has been promoted to vice president of commercial real estate lending at BBVA Compass in San Antonio. She has 11 years of banking experience. Hartlage earned a BBA degree from Texas A&M University and an MBA de-gree from The University of Texas at San Antonio. She serves on the board for the Respite Care of San Antonio Q

October 28, 2013 BANKERS DIGEST Page 3

The Con-sumer Fi-n a n c i a l Protect ion B u r e a u (“CFPB”) has issued new

mortgage servicing rules that will take effect on January 10, 2014. These rules apply to any “closed-end consumer credit transaction secured by a dwell-ing” (see 12 C.F.R. Section 1026.41). The new mortgage servicing rules impose new or modified rules in nine major areas affecting mortgage servicing. Fortunately, there is a “small servicer” exception which will likely shield a majority of community banks that service their own loans from some of these rules. The “small servicer” ex-ception applies to an entity that ser-vices 5,000 or fewer mortgage loans and is the creditor or assignee for all of them. However, even if a communi-ty bank qualifies as a “small servicer,” it cannot ignore the mortgage ser-vicing rules in their entirety as some of the new rules apply to all entities servicing mortgage loans, regardless of size. This article summarizes some of the major mortgage servicing rules which apply to “small servicers,” in-cluding community banks that service their own loans.

Adjustable-Rate MortgagesUnder the new rules, consumers must be given interest rate adjustment no-tices on adjustable rate loans. Spe-cifically, an initial interest rate adjust-ment notice must be sent between 210 and 240 days before a payment at a new rate is due when an adjustable rate initially resets. Thereafter, on-going rate adjustment notices must be given to consumers between 60 and 120 days before a payment at a changed rate is due. The new rules

F e A T U R e

Jerry G. SanchezCox Smith Matthews Incorporated

jsanchez@coxsmith.com(214) 698-7835

R E G U L A T I O N S

The Impact of New Mortgage Servicing Rules

on Community Banks

(continued on Page 6)

provide model forms for the rate ad-justable notices which provide a safe harbor for loan servicers.

Prompt Payment Crediting/Payoff StatementsMortgage servicers are required to promptly credit periodic payments to consumers’ accounts as of the day the payments are received. If the payment received is less than is required to cover the payment, the rules provide it may be put into a suspense account, provided that once the account con-tains sufficient funds, it must be cred-

October 28, 2013 BANKERS DIGEST Page 14

B D

FEATURE

ited to the consumer’s account. There is also a requirement that an accurate payoff balance be provided to the con-sumer within seven days of a request.

Force-Placed InsuranceOne of the more important changes relates to force-placed insurance. Before a servicer can purchase force-placed insurance on behalf of a con-sumer, the servicer must reasonably believe the consumer has not main-tained hazard insurance. Once this

Page 4 BANKERS DIGEST October 28, 2013

UMB Bank, n. a., a subsidiary of UMB Financial Corporation, Kansas City, MO, announced plans to expand its presence in the Dallas market. UMB Bank operates an LPO in Dallas and

has received regu-latory approval of an application to establish a Dallas branch. Zach Fee leads the team as the president of UMB’s Texas re-gion. Jim LaFon-taine will serve as

senior vice president in the commer-cial banking division. Sam Bradford will serve as vice president, senior business development officer in the commercial card and payment solu-tions division. Jeff Gulczynski will serve as vice president, relationship manager in the commercial banking division. Lee Speir will serve as vice president in the healthcare services division. Fee is responsible for designing and executing a strategy to establish UMB Bank’s physical presence in the TX market, initially by way of Dallas.

p e o p l e TeXAS

Bank Turn-Around Executive Thomas J. Wageman Dies at 79

Fee

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Fee to Lead UMB Kansas City Expansion in TX Akeman and Lewis Join Central National Bank EnidCentral National Bank and Trust Com-pany of Enid has recently named two bankers to new positions in Oklaho-ma City and Tulsa. David Akeman has joined the bank as vice president to oversee commer-cial mortgage banking based in Okla-homa City. He has 25 years of industry experience most recently as director of capital markets at Stan Johnson Company, Tulsa. He is a graduate of The University of Texas at Austin with an economics degree. Bob Lewis has joined Central Na-tional as director of cash manage-ment in Tulsa. He is charged with developing a new cash management division. He has served in banking for more than 30 years, holding posi-tions in treasury services. He served most recently at SpiritBank in Tulsa and earlier at Arvest Bank and Bank of Oklahoma Q

Sherman resident and bank turn-around specialist Thomas J. Wage-man died of complications after a fall on October 6 at age 79. Wageman was recruited to TX from IL in 1983 to help salvage First Na-tional Bank of Midland, which failed 10 days after he arrived. He stayed on as president of successor Repub-lic First National Bank in Midland. He moved to Dallas in 1986 to salvage Sunbelt Savings of Dallas, which ul-timately failed and was merged with seven other failed thrifts to create Sunbelt Savings FSB in 1988. He then moved to San Diego, CA, to help sal-vage HomeFed Bank. After a couple of years in CA, he returned to TX to cre-ate a company to deal with the failed Sunbelt assets. He continued to work in banking, primarily with troubled as-sets, for the rest of his life. Outside of banking, he served on the board for the North Texas Com-mission and on the executive board for the Circle Ten Council for the Boy Scouts of America Q

He also oversees credit administra-tion of the TX team. Fee has more than 11 years of experience in the fi-nancial services industry with UMB. He earned a bachelor’s degree in busi-ness administration and accounting from the University of Kansas. LaFontaine has 25 years of financial services industry experience. Prior to joining UMB, he served at Texas Capi-tal Bank as SVP of corporate banking for four years, at BBVA Compass for nine years, and held prior business de-velopment positions with GE Capital, G&W Asset Management, and Oppen-heimer Management. He is a graduate of the University of North Texas. Bradford will focus on mid-to-large corporate markets, healthcare organi-zations, and public sector entities. He has seven years of experience in the financial services industry. Gulczynski has more than 10 years of experience in the financial services industry. Prior to UMB, he served with BBVA Compass in the commercial banking group. Speir has served as account execu-tive, sales executive, manager, and sales director for insurance and health care companies Q

October 28, 2013 BANKERS DIGEST Page 5

p e o p l e ARKANSASoKlAHoMA loUISIANA

Relyance Bank CFO Pittillo Elected to Bank/Parent Bds

Maxwell Joins Home Fed Mortgage in Shreveport

Tulsa Banker Oonk Wins 2013 Outstanding CPA Award

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Home Federal Bank (“HFB”), the whol-ly-owned subsidiary of Home Federal Bancorp Inc. of Louisiana, both of Shreveport, has announced the recent hiring of Jennifer Maxwell in its mort-gage lending division, said Jim Barlow, president/CEO of Home Federal Bank. Maxwell joined HFB as a mortgage lending officer. She will serve custom-ers from the Downtown branch at 624 Market St. in Shreveport. Maxwell has worked locally in mortgage lending for more than 15 years. She previously served with Ibe-ria Bank Mortgage and was the owner of Complete Mortgage Co. She is a graduate of Northeast Louisiana Uni-versity Q

Scott Pittillo, executive vice presi-dent and CFO of Relyance Bank, N. A., Pine Bluff, has been appointed to the boards of directors for the bank and its parent company, Jefferson Banc-shares Inc., also of Pine Bluff. Chuck Morgan, president/CEO of Relyance Bank, stated, “the addition of Scott Pittillo brings additional strength and continuity to our board of directors. Scott had excelled in his roles and his leadership within the company as well as our community. His strengths will be needed as Re-lyance Bank continues to grow and prosper.” Pittillo is an 11-year bank employ-ee who served as a lender and SVP of lending and funds managment prior to being named CFO. Jefferson Bancshares has twelve branches in six communities and $500 million in assets. The holding company announced in August 2013 a

plan to buy out minority shareholders in its subsidiary Hot Springs Bank & Trust Company and to merge the Hot Springs charter with Relyance Bank by yearend 2013, subject to regulatory approval and closing conditions Q

Michael Oonk, senior vice president and commercial loan officer with American Bank and Trust Co. in Tul-sa, was named the 2013 Outstanding CPA in Business and Industry by the Oklahoma Society of Certified Public Accountants (OSCPA). Oonk was pre-sented the award at the Fall Industry Conference on September 20 by Jane Haskin, CEO of First Bethany Bank & Trust and the 2012 Outstanding CPA award recipient. Oonk, an OSCPA member for 12 years, started his professional career with Deloitte and Touche. In 2006 he joined American Bank and Trust as vice president of commercial lending and was later promoted to SVP. He holds a BSBA degree in account-ing from the University of Arkansas. Since 1999, he has been active with Ju-nior Achievement in Tulsa. He has been involved since 2006 with the Oklahoma Business Ethics Consortium Q

Page 6 BANKERS DIGEST October 28, 2013

N e W S W A T C HTeXAS

The First State Bank, Columbus, will celebrate its 100th anniversary with an open house on Wednesday, October 29, and Thursday, October 30, from 9am to 3pm at 420 Walnut St. in Co-lumbus, according to Kim A. Reichle, senior vice president and head of mar-keting. The First State Bank opened for business on March 1, 1913, in the Staf-ford Bank Building on the corner of Milam and Springs streets with total deposits of $54,416.52 and total capi-tal of $25,000.00. As of June 30, 2013, the bank reported, according to the FDIC, total deposits of $110.5 million and total capital of $17.857 million. According to the bank’s website, www.fsbcolumbus.com, The First State Bank has been voted the “Friendliest Bank in Colorado County” for the past six years! Q

The First State Bank in Columbus Announces 100th

Broadway Bank Officially Opens Austin Regional HeadquartersBroadway Bank, San Antonio, hosted its official grand opening and ribbon cutting ceremony for the Austin Re-gional Headquarters earlier in Octo-ber. The event marked the six month anniversary of the regional headquar-ters’ operations located in the Mid-town Medical Towers at the corner of W. 38th St. and La-mar Blvd. Broadway oper-ates a banking cen-ter in the building. The center offers a full array of products and services includ-ing personal bank-ing, private banking, business banking, commercial real estate, and wealth management. “A number of years ago, we realized that our con-tinued growth would require entering new markets,” said Jim Goudge, chair-man/CEO of Broadway Bank. “Aside from its notable demographic appeal and being voted one of the best plac-es to live and work, Austin’s vibrant business and professional community made it the place to be.”

Broadway Bank, established in 1941, operates 38 locations in com-munities throughout Central and South Central TX. The bank’s future plans include opening four to six ad-ditional Austin locations over the next three to five years. Harvey P. Hartenstine, president

of the Austin region, said, “Our great team of bankers, all long-time Aus-tinites, has played a huge part in our ini-tial success, and we look forward to continuing to build relation-ship in the com-munity.” Today, Broad-

way Bank (www.broadwaybank.com) con-tinues to function as a family-owned (Cheever family) and operated finan-cial institution. The $2.9 billion-asset-bank offers a full range of sophisti-cated financial services, including personal banking, private banking, military banking, business banking, and wealth management Q

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determination is made, the servicer must send an initial notice at least 45 days before charging for force-placed coverage, and send a second notice at least 30 days after the first notice was sent but at least 15 days before a force-placed charge is assessed. If a servicer receives evidence that the consumer has hazard insurance, it must cancel the force-placed insur-ance within 15 days and reimburse the consumer for any overlap in coverage.Additionally, if the loan is set up so that insurance payments are es-crowed, a small servicer is required to maintain the existing homeowners policy and cannot buy force-placed in-surance unless the obligation is over-due more than 30 days and if the cost of force-placed insurance is less than the cost to keep the existing insurance policy in force.

Error Resolution/Informational RequestsThe new rules impose requirements for resolving errors and responding to informational requests. A request to fix an error must be acknowledged within five days, and the consumer must be informed in writing within 30

(continued on Page 8)

FEATURE (continued from Page 3)

October 28, 2013 BANKERS DIGEST Page 7

N e W S W A T C HNeW MeXICo oKlAHoMA

First American Bank, Norman, to Sell Two Northwest Branches to Great Plains National Bank, Elk City

Sunrise Bank of Albuquerque Sold to Troy, MI, Banking CoCapitol Bancorp Limited, Lansing, MI, announced October 14 that it has entered into a stock purchase agree-ment to sell the common stock of its remaining consolidated entities, Sun-rise Bank of Albuquerque, Bank of Las Vegas, Indiana Community Bank, and Michigan Commerce Bank, to Talmer Bancorp Inc., a $4.5 billion bank hold-ing company based in Troy, MI. Capitol’s chairman/CEO Joseph D. Reid said, “We are pleased to provide the banks with a strategic partner that has the resources and capital to sup-port the banks’ long-term success. ... The Talmer organization is community oriented and committed to continu-ing to build upon the banks’ existing operations and refocus on growth in their respective markets.” The sale is expected to close under Section 363 of the U.S. Bankruptcy Code and is subject to regulatory approval and closing terms and conditions Q

Norman-based First American Bank has struck a deal to sell two of its branches in northwest OK to Elk City-based Great Plains National Bank, ac-cording to an article by Brianna Bailey at NewsOK.com. The First American branches in Woodward and Taloga that Great Plains would acquire in the deal have aggregate deposits of $64 million. The acquisition will allow Great Plains to strengthen its presence in northwestern OK, Terry Shelby, pres-ident of Great Plains National Bank, said in a statement. “With our existing customer rela-tionships in northwest Oklahoma, the opportunity to acquire First Ameri-can’s branches is a natural fit in terms of evolution of our company,” Shelby said. “We’ve been very selective when looking at M&A opportunities, but this transaction provides good long-term value for our shareholders.”

First American decided to sell the branches to focus more on its seven remaining locations in central OK, which include branches in south Okla-homa City, Moore, Norman, Maysville, and Purcell. “It really does provide us a more efficient geographic focus on cen-tral Oklahoma, where our core group of banks are,” said Neil Schemmer, president of First American Bank. Terms of the sale were not dis-closed. Pending regulatory approval, the transaction is expected to close in the first quarter of 2014. First American Bank had $338 mil-lion in assets and $27 million in eq-uity capital at the end of June 2013. Great Plains National Bank had $450 million in assets and $41 million in equity capital at the end of the sec-ond quarter of 2013. Great Plains op-erates 12 branches, including recent additions in Piedmont and Tuttle Q

Page 8 BANKERS DIGEST October 28, 2013

N e W S W A T C H loUISIANA

MidSouth Bank, Lafayette, Wins Top Community Bank in Social Media AwardThe Independent Community Bankers of America (ICBA) released its Top 50 Community Bank Leaders in Social Me-dia, a list that includes Lafayette-based MidSouth Bank, N. A., along with its Top 20 Community Banker Influencers on Twitter. These 2013 rankings, which are the first of their kind, highlight the community bank social media trail-blazers in the financial industry. ICBA Executive Vice President/Chief

Marketing Officer Chris Lorence said, “Building a brand goes beyond a per-ceived geographical footprint; social media opens the doors of opportunity even wider for community banks.” In announcing the winners, he noted, “ICBA is proud to highlight those community banks and bankers who are blazing a critical trail forward by making social media an integral part of their brand and communications

strategy,” he said. To view the entire 50 community banks and 20 community bankers fea-tured on these lists, visit www.icba.org/smleaders. Several of the community banks featured on ICBA’s Top 50 Com-munity Bank Leaders in Social Media were profiled in the September issue of ICBA Independent Banker. For information about MidSouth Bank, visit www.midsouthbank.com Q

Feature (continued from Page 6)

days that the error has been corrected or, after an investigation, informed that no error has occurred. However, if the notice of error asserts that the servicer has violated the previously mentioned rule that requires servicers to give consumers accurate payoff bal-ance amounts, the servicer has only seven days to inform the consumer either that the problem was corrected or that there was no error. Similarly, requests for information must be ac-knowledged within five days. The in-formation must be provided within 30 days, or an explanation must be given as to why the information is not avail-able after a reasonable search. The 30 day time-frames for responding/pro-viding information may be extended by an additional 15 days in certain cir-cumstances.

Prohibition Against Foreclosure Prior to 120 Days DelinquentThe new rules include complex new mortgage servicing rules which set forth specific requirements for deal-ing with delinquent borrowers and loss mitigation which, for the most part, do not apply to “small servicers.” However, one important rule that ap-plies to all servicers, large and small, prohibits the commencement of fore-closure proceedings until a consumer is more than 120 days delinquent or if a consumer is acting under terms of a loss mitigation agreement.

ConclusionCommunity banks must ensure that they are proactive in preparing for the upcoming implementation of the CF-PB’s mortgage servicing rules, includ-ing consulting with experienced bank regulatory counsel, as needed Q

October 28, 2013 BANKERS DIGEST Page 9

R e G U l A T o R S

C h a r t e r

a c t i v i t y

ArkansasMERGERS AND ACQUISTIONS The FEDERAL RESERVE BANK OF ST. LOUIS has received an appli-cation by Arvest Bank Group Inc., Ben-tonville, to acquire 100% of National Banking Corp., North Little Rock, and thereby indirectly acquire National Bank of Arkansas in North Little Rock. The FRB OF ST. LOUIS has received an application by Arvest Bank, Fay-etteville, to merge with National Bank of Arkansas in North Little Rock, North Little Rock, and to retain the acquired facilities as branch offices. The OFFICE OF THE COMP-TROLLER OF THE CURRENCY has received an application by Simmons First National Bank, Pine Bluff, for a merger with Metropolitan National Bank, Little Rock, with the resultant bank Simmons First National Bank, Pine Bluff.TexasBRANCHES The OCC has approved an applica-tion by UMB Bank, N. A., Kansas City, MO, for a branch at 2600 Network Blvd., Set. 190, Frisco.

N e W S W A T C H The OCC has received an applica-tion by Capital One, N. A., McLean, VA, for a branch at 1301 Village Pkwy., Highland Village. The OCC has received applications by First National Bank Texas, Killeen, to relocate First Convenience Bank branches: from 19611 Hwy. 59 N. to the intersection of Business FM 1960 and Townsen Blvd., Humble; from 430 N. Coit Rd. to the intersection of Coit and Arapaho, Richardson; and from 12789 Midway Rd. to Harvest Hill Rd. and Cranberry Ln., Dallas. The OCC has approved applica-tions by Bank of America, N. A., Char-lotte NC, for branches at: 13331 SH 249, Houston; 9935 Hwy. 6, Missouri City; and received an application for a branch at 28620 Hwy. 290, Cypress. The TEXAS DEPARTMENT OF BANKING has received an application by Prosperity Bank, El Campo, to relo-cate a branch from 145 N. Jefferson to 109 E. Pearl St., Goliad. The TXDB has received an applica-tion by Commerce Bank Texas, Stock-dale, for branch at 1501 Bexar Cross-ing, San Antonio Q

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The popularity of mobile banking con-tinues to grow, according to a recent survey by the American Bankers Asso-ciation (ABA). The survey of 1,000 U.S. adults revealed that while the Internet remains the most popular banking method, mobile banking has eclipsed the popularity of the telephone and U.S. mail, and is now preferred by 8% of customers—a 30% increase from 2012. The annual survey of 1,000 U.S. adults (ages 18 and over interviewed by telephone) was conducted for ABA by Ipsos Public Affairs, an indepen-dent market research firm, July 11-17, 2013. This is the fifth year in a row that customers have named the Internet as their favorite way of conducting their banking business. When asked “Which method do you use most often to manage your bank account(s)?” customers responded as follows:

· Internet Banking (laptop or PC) – 39% (39% in 2012) · Branches – 18% (18% in 2012) · ATMs – 11% (12% in 2012) · Don’t Know - 11% (8% in 2012 · Mobile (cell phone, Blackberry, PDA, iPad, etc.) – 8% (6% in 2012) · Mail – 7% (8% in 2012) · Telephone - 7% (9% in 2012)

“It’s not surprising that branches remain the second most popular op-tion,” said Nessa Feddis, ABA’s SVP and deputy chief counsel for Consum-er Protection and Payments. “Many people prefer sitting down with some-one to discuss complex transactions like opening an account or applying for a home or business loan.” Online banking first became the most preferred banking method in 2009 with 25% of customers naming it as their favorite. Previously, visiting a branch was the most popular method, followed by ATMs. The Washington, DC-based ABA represents banks of all sizes and char-ters. The majority of ABA’s members are banks with less than $185 million in assets. Learn more at www.aba.com Q

Page 10 BANKERS DIGEST October 28, 2013

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SUCCESSION PLANNING

Far too often, banks are caught up in the cycle where 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 fail”. Planning does not only include the daily operations of your organization for success, but staffing planning as well. Very few banks bring in an understudy for key executive positions within their organization. As we are not promised tomorrow, these 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 318-644-6436Jacksonville, FL 904-713-2550

Email

snibanking@snifinancial.com

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STAFFING FOR BANKS

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WhitneySmith provides a variety of management consulting services, including:

For more information on all our services, please call our office or visit our website at:

www.whitneysmithco.com

Your Source For Banking Human Resources Assistance

301 Commerce Street, Suite 1950Fort Worth, Texas 76102

817.877.0014 817.877.3846 Fax

October 28, 2013 BANKERS DIGEST Page 11

C l A S S I F I e D dent Bank in establishing and grow-ing strong FW presence. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

COMMERCIAL LENDER: Community Bank position in East Central Texas will inherit portfolio and great career path. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

$400M independent community bank in East Texas has an opening for a COMPLIANCE OFFICER. Must have compliance experience. Send re-sume in confidence to bankers di-gest@bankersdigest.com, subject line Box D-5.

BANK SECURITY EQUIPMENT SALES: Growing company seeking self-starting AREA SALES MANAGER based in San Antonio selling to banks and credit unions the company’s CCTV systems, physical security equipment, alarms, and service contracts. Excel-lent benefits, training, and support from this Dallas-based company. See securitytexas.com and iris-dvs.com. Experience in this field is required, college preferred, and computer, writ-ing, and speaking skills are required. E-mail dwood@securitytexas.com.

HAPPY STATE BANK, a $2.5 billion bank in West Texas, is seeking a COMPLIANCE OFFICER. The success-ful candidate will have a four-year college business-related degree, a minimum of 3 years Compliance Offi-cer Management experience (prefer-ably at a large bank), and CRCM cer-tification. Strong communication and interpersonal skills, as well as proven leadership abilities are a must. Please complete an application and submit a resume at www.happybank.com.

RELATIONSHIP MANAGER/LENDER: Established bank is seeking an experi-enced candidate with strong commu-nity leadership and business develop-ment skills to assist in establishing and growing strong market share in the AUSTIN, TX, area. Commercial lend-ing experience and proven leadership skills are required. Competitive com-pensation and benefits. Please send resume to bankersdigest@bankersdi gest.com, subject line Box O-1.

EXPERIENCED LENDING OFFICER needed for $115M bank in Sanger, Texas. Must be experienced in all types of loans with an aggressive marketing personality. Excellent op-portunity for advancement with this organization. Please send resume to Margaret Long, Sanger Bank, P.O. Box 1029, Sanger, TX 76266. Fax 940-872-9601, margaret.long@sangerbank.com

RELATIONSHIP MANAGER/LEND-ER: Established bank is seeking an experienced candidate with strong community leadership and busi-ness development skills to assist in establishing and growing strong market share in the HOUSTON, TX, area. Commercial lending experi-ence and proven leadership skills are required. Competitive compen-sation and benefits. Please send resume to bankersdigest@bankers digest.com, subject line Box O-2.

New Mexico bank seeks full-time SPE-CIAL ASSETS OFFICER (SAO) to work out a small but significant dollar per-

centage of classified and OREO loans. Once that task is completed, the posi-tion will transition into a CHIEF CRED-IT OFFICER (CCO) OR COMMERCIAL LENDER (CL) depending on the need at that time. The SAO position requires a thorough understanding of problem loans and the ability to relate that in-formation to the board, management, and regulators. Salary commensurate with experience. Please respond to bankersdigest@bankersdigest.com, subject line Box O-3.

First United Bank is seeking an AG LENDER with good business de-velopment skills for our Seminole Banking Center. Previous lending

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$45 for 30 words. Simply email your ad to

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Chief Operations Officer Denton, TexasNORTHSTAR BANK of Texas is seeking a COO with proven leadership skills to guide and formulate strategic growth initiatives. The successful candidate will have 10+ years of related banking experience in all areas of operations, retail banking, treasury management, vendor management, etc., and is responsible for the development and maintenance of programs for the physical security of the Bank’s assets.

NORTHSTAR BANK is a growing $1 billion plus bank. As a member of Carlile Bancshares, Inc. headquartered in Fort Worth, TX, we are the largest commu-nity bank in Denton County, and one of the largest in the Dallas/Fort Worth area. With eleven locations in Denton County and Northeast Tarrant County, NORTHSTAR leads the way in community banking with our responsive and personalized style. NORTHSTAR BANK has expanded into the Central Texas Region with four locations in Austin and one in Marble Falls. This creates 16 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 Mortgage Loan Originators in each Banking Center.

No recruiters please. Competitive salary and excellent benefits. EOE Send resume to Jwilliams@nstarbank.com. For more information about NSB go to www.nstarbank.com.

“Best Places to Work for in Texas, 2013”"American Bankers Best Banks to Work For, 2013"

Page 12 BANKERS DIGEST October 28, 2013

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Bankers DigestP.O. Box 743006Dallas, Texas 75374-3006(USPS 041180)

PERIODICAL

experience preferred. Business or ag business/economics degree pre-ferred. Excellent computer skills, strong written and oral communica-tion skills, ability to multi-task, ex-tremely well organized, detail ori-ented. Knowledge of agricultural credits a plus. Please email resume and salary requirements to can-drews@firstunited.net

First United Bank is seeking a COM-MERCIAL LENDER with strong busi-ness development skills for our Wich-ita Falls Banking Center. 3-5 years lending experience required. Please email resume and salary require-

ments to dbrackeen@firstunited.net

LENDING OFFICER. Tired of your bank getting in your way? Tired of irrational banking policy and bu-reaucracy? Are you ready to make good quality loans to your good customers? Are you ready for your employer to be part of the solu-tion rather than the problem? If you live in the Dallas/Ft Worth area or Northeast Texas, we might be able to help. Excellent opportunity with great benefits. Please send your resume & cover letter to bankers-digest@bankersdigest.com, subject line Box O-4.

EQUIPMENT

FOR SALE: Opteva 750 – Advanced-func-tion, Island Drive-Up ATM. ADA compli-ant. Contact 580-222-8080 for details.

FULLY OPERATIONAL BRANCH BANK available. Located on U.S. Highway 380 in Little Elm, Texas. Contact: jcaudle@ftnb.net

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