iberiabank names manuel svp and human cox named senior … · manuel is a director and past state...

Security State Bank, Pearsall, TX, has recently named Karlon Cox senior

vice president and branch manager for the Pleasanton location at 1194 W. Oaklawn Rd. Cox, a veteran banker, most re-cently served two years as senior vice president and branch manager

for Ozona National Bank’s Bowie loca-tion. Ozona National is in the process of selling the assets and liabilities of the Bowie branch to Wellington State Bank. Before joining Ozona National, Cox served as president/CEO of Bank’34 in Alamogordo, NM. Earlier in his career, he served with community banks in TX and NM. Cox holds a BBA degree in banking from Abilene Christian University and a graduate banking degree from SW-GSB at SMU. He served on the bank-ing school’s faculty from 2000-2009 Q

IBERIABANK,Lafayette, LA, has named Maria Manuel senior vice president

and human re-sources regional director for the 127-year-old bank’s LA and TX markets. Mike Pelletier, di-rector of human re-sources for IBERIA-BANK, made the announcement. Manuel’s office

is located at IBERIABANK’s Downtown Tower location in Lafayette. Manuel joins IBERIABANK with an extensive background in human re-source management and is certified as a senior professional of human resources (SPHR). She has served as a labor and employment attorney for

Volume 145, No. 10September 8, 2014

In This Issue...FDIC-Insured Institutions Second Quarter Earnings of $40.2 BillionFeature..............................................3

M&A, IPO Activity Update......6-8

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

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

Please route this issue:

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IBERIABANK Names Manuel SVP and Human Resources Director for Louisiana and Texas

Published weekly on Mondays except fifth Mondays

Manuel

Reid Joins Alliance Bank of Arizona in Tucson as Senior Vice President in Commercial Lending

Clark

Alliance Bank of Arizona, Phoenix, an-nounced that Reid Clark has joined as

senior vice presi-dent and commer-cial loan officer in Tucson. Duane Froeschle, presi-dent of Western Alliance Bank and senior executive of-ficer of the Tucson region, made the announcement.

With over 20 years experience in the commercial real estate and banking industry, Clark has an established re-cord of commitment and success. He will be working at the Williams Centre

Cox

Cox Named Senior VP, Security State, Pearsall

Office at 200 S. Craycroft Rd. in Tucson. Clark earned a BS degree in finance and real estate from the University of Arizona and is a graduate of Pacific Coast Banking School. Clark is active in the local commu-nity and has served on the boards for Juvenile Diabetes Research Founda-tion (JDRF) and Canyon View Little League. He is also a member of DM-50 and Financial Executives and Affili-ates of Tucson (FEAT) Q

the past 18 years with the Onebane Law Firm in Lafayette. Manuel is a director and past state conference chair for the Louisiana Society for Human Resource Manage-ment and currently serves as the orga-nization’s legislative activities direc-tor. She is also past president for the Acadiana Society for Human Resource Management and currently serves as the Acadiana Society Board’s legisla-tive activities director. She is a mem-ber of the National Society for Human Resource Management. Manuel received a Juris Doctor-ate from Louisiana State University, where she graduated with honors. IBERIABANK operates a total of 186 branch offices and three LPOs in six states. The bank operates 88 branch offices in LA and nine in TX Q

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BANKERS DIGEST September 8, 2014

president and location manager for the new College Station branch. She joined the bank in 2005 as a management trainee in Mount Pleasant and in 2007 was promot-ed to vice presi-dent in market-ing, a position she held prior to trans-

ferring to College Station Q

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Bankers Digest®Established 1942

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Published weekly on Monday except fifth Mondays at 9516 Bill Browne Lane, Dallas, Texas 75243

Copyright 2014 Bankers Digest®

BONNIE JAMISON BLACKMAN, Publisher/EditorR. GILBERT BLACKMAN JR., Managing Editor

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Jackson Leads Guaranty Bank in Bryan/College Station, Boatner ManagerGuaranty Bond Bank, N. A., Mount Pleasant, recently opened a bank-ing center in Bryan at 2800 S. Texas Ave., Ste. 140. Earlier in the Spring, it opened a banking center at 710 Wil-liam D. Fitch Pkwy. in College Station. In 2013, Guaranty transferred Joel Jackson from its Mount Vernon loca-tion to lead the bank’s entrance into the Bryan/College Station market. He

Jackson

offices at the Bryan location. Jackson had served as Mount Ver-non market president since 2009. He started with the bank in 2001 in Mount Pleasant and transferred to Sulphur Springs as a vice president in 2005. He has a BS degree from Texas A&M University and an MBA degree from Texas A&M University - Texarkana. Guaranty named Alisa Boatner vice

Travis Brown has been promoted to senior vice president of commercial and real estate lending at Sovereign

Bank in Austin at the 600 W. 5th St. location. Brown, an Aus-tin native, joined Sovereign in 2013. He previously served seven years with Frost Bank in Austin. He is a graduate of St. Ed-

wards University in Austin with a busi-ness management degree. He also is a veteran of the US Marine Corps Q

Brown Is SVP in Austin

Brown

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F e A T U R e

Source:Federal Deposit Insurance Corporation

www.fdic.gov

INDUSTRY EARNINGSFDIC-Insured Institutions Earned $40.2 B in Second

Quarter of 2014

B D

FEATURE (continued on Page 12)

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Commercial banks and savings insti-tutions (6,656 as of June 30, 2014) insured by the Fed-

eral Deposit Insurance Corporation (FDIC) reported aggregate net income of $40.2 billion in the second quarter of 2014, up $2.0 billion (5.3%) from earnings of $38.2 billion the industry reported a year earlier. The increase in earnings was mainly attributable to a $1.9 billion (22.4%) decline in loan-loss provisions and a $1.5 bil-lion (1.4%) decline in noninterest expenses. Also, strong loan growth contributed to an increase in net in-terest income compared to a year ago. However, lower income from reduced mortgage activity and a drop in trad-ing revenue (at the largest banks) con-tributed to a year-over-year (Y-O-Y) decline in noninterest income. More than half (57.5%) of the insured insti-tutions reporting had Y-O-Y growth in quarterly earnings. The proportion of banks that were unprofitable during the second quarter fell to 6.8% from 8.4% a year earlier. “We saw further improvement in the banking industry during the sec-ond quarter,” FDIC Chairman Martin J. Gruenberg said. “Net income was up, asset quality improved, loan balances grew at their fastest pace since 2007, and loan growth was broad-based across institutions and loan types. We also saw a large decline in the number of problem banks. However, challeng-es remain. Industry revenue has been under pressure from narrow net inter-est margins and lower mortgage-relat-ed income. Institutions have been ex-tending asset maturities, thus raising concerns about interest-rate risk. And banks have been increasing higher-risk loans to leveraged commercial borrowers. These issues are matters of ongoing supervisory attention.

Nonetheless, on balance, results from the second quarter reflect a stronger banking industry and stronger com-munity banks.” Community banks earned $4.9 bil-lion during the quarter. In the Quar-terly Banking Profile, the FDIC now reports on the performance of com-munity banks – those institutions that provide traditional, relationship-based banking services in their local communities. The FDIC Community Banking Study published in December 2012 developed the criteria for com-

munity banks. In the second quarter of 2014 there were 6,163 community banks (93% of all FDIC-insured institu-tions) with assets of $2.0 trillion (13% of industry assets). For those banks, second quarter net income of $4.9 bil-lion was up $166 million (3.5%) from a year earlier, driven by higher net inter-est income and lower loan loss provi-sions. Loan balances at community banks in the second quarter grew at a faster pace than in the industry as a whole; asset quality indicators contin-


Prosperity Bank has recently named David Albright senior vice president and banking center manager for the

7400 Preston Rd. location in Plano. Albright is a vet-eran real estate lender who most recently served as vice president and real estate loan of-ficer for Business Partners in Dal-las. He opened

the firm’s Dallas office in December 2011. He earlier served in Dallas as a senior real estate lender in the income property finance division for CA-based Union Bank. He holds a BS degree from Cornell University Q

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Prosperity Bank Taps Albright SVP in Plano

Albright

Shearburn Hired as SBA Loan Specialist, HomeBancHomeBanc, N. A., Tampa, FL, an $850 million-asset bank, has named Mi-chael Shearburn vice president, SBA loan specialist for the TX market. He is based in Irving. Shearburn has 37 years of banking industry experience, specializing in SBA loans for the past 23 years. He

Dallas-based SWACHA – The Elec-tronic Payments Resource®, one of the largest not-for-profit electronic payment resources in the country, has hired John Cogdill as director of member sales and services. Cogdill goes to SWACHA with more than 12 years of experience in trea-sury/cash management, ATM network administrations, risk management

and assessments, audit organization, daily operations of ACH and wires, and debit card/check processing. Prior to joining SWACHA, he was treasury management representative with Artesia-based First American Bank in Las Cruces, NM. Cogdill received an Accredited ACH Professional (AAP) designation in 2011. He served as a member of an op-erational risk committee which over-saw and monitored risk of commercial ACH originators at First American Bank Q

Cogdill Is SWACHA Director of Member Sales & Services

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Texas Bank and Trust Company, Longview, on August 20 announced that Jon Honea has been named vice president and branch manager for the new Tyler branch at 102 N. College St. in the historic downtown People’s Petro-leum Building. The news was reported in the Tyler Morning Telegraph. Honea previously served more than nine years at Regions Bank. He attended The University of Texas at Ty-ler. He is an active volunteer, includ-ing formerly serving as chairman and current president of The University of Texas at Tyler Patriot Golf Classic. The new Tyler branch will be the bank’s 20th in its service network and its third in the Tyler market Q

Honea Named VP/Manager, Texas Bank & Trust in Tyler

Honea

Jessie Parks, City Bank assistant vice president, consumer loan officer, and assistant at the River Crossing branch, 1850 Sudderth Dr., in Ruidoso has re-tired. She has been a banker for the past 38 years, 29 of those years in Ru-idoso, the last 10 with City Bank. The El Paso native attended Western New Mexico University in Silver City before commencing her banking career. When asked about her 10 years at City Bank, she said, “It has been a great adventure watching Ruidoso grow and seeing City Bank New Mexico grow with it. I’ve really enjoyed being able to offer the best technology and prod-ucts to our customers. The last few years working in the banking business have been a real challenge but we still tried to help our community. I abso-lutely love the customer connection I’ve had over all of these years and al-ways considered my banking family as truly family to me.” Q

Parks Retires from City Bank Ruidoso, Ending 38-Year Career

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First Oklahoma Bank, Tulsa, has an-nounced two recent promotions. Ryan Garrett has been pro-moted to senior vice president and compliance offi-cer. He joined First Oklahoma Bank in 2010. He earlier served with ONB Bank & Trust Co. in Tulsa and Bank of the West. He earned a bachelor’s degree in finance from Northeastern State University. Kevin Poe has been promoted to assistant vice president, systems ad-ministrator. He joined the bank in 2013 with more than seven years of IT and systems experience. He holds a BS degree in computer science from Southwest Baptist University Q

Garrett Upped to SVP, Poe to AVP in Tulsa

Garrett

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N e W S W A T C HTeXAS

TH IS ANNOUNCEMENT APPEARS AS A MATTER OF RECORD ONLY .

Pine Bluff, AR

has acquired

Little Rock, AR

The undersigned acted as financial advisor toDelta Trust & Banking Corporation

August 2014Member FINRA/SIPC

On August 15, Green Bancorp Inc., Houston, announced that it has com-pleted its initial public offering (IPO) of 4,687,500 shares of common stock (NASDAQ:GNBC) at a price to the public of $15.00 per share for net pro-ceeds of about $70 million. Underwrit-ers have an option to purchase up to an additional 703,125 shares.

Green Bancorp, the holding com-pany for Green Bank, N. A., Houston, filed documents with regulators to launch an IPO and applied to the SEC to list its common stock in June. In its paperwork, Green said it intended to use $8 million of the IPO proceeds toward the proposed purchase of Plano-based SP Bancorp Inc., owner

Green Bancorp Inc., Houston, Closes $70MM IPO of SharePlus Bank, Plano, which was announced in May in a deal for $46.2 million. The balance of the proceeds will be used for general corporate pur-poses. As of March 31, 2014, Green Bancorp had total assets of $1.8 billion, total loans of $1.4 billion, total deposits of $1.5 billion, and total shareholders’ equity of $203.6 million, according to its SEC filing. Green Bank has seven locations in the Houston market, five in the Dallas market, and one in Austin, prior to the closing of the SharePlus Bank deal. Geoff Greenwade, president/CEO of Green Bank, told Andrea Rumbaugh in an article in the Houston Chronicle, he looks to keep growing in the bank’s current three markets in TX, but will look at adding new areas, including Fort Worth. He said he has a target list of banks he will continue to woo, and now Green Bancorp has the currency to make deals Q

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ViewPoint/LegacyTexas ResetMerger to Close by YE 2014 ViewPoint Financial Group Inc. (“View-Point”), Plano, and LegacyTexas Group Inc. (“LegacyTexas”), Plano, an-nounced on August 29 that additional time will be required to obtain regu-latory approvals and to satisfy cus-tomary closing conditions necessary to complete their merger, and have amended their merger agreement to extend the agreement to December 31, 2014. Also, the amended merger agree-ment provides that the closing date of the merger shall take place within five days after receipt of all regulatory ap-provals, including applicable waiting periods. It also allows LegacyTexas to make up to two additional distribu-tions to its shareholders prior to the effective date of the merger. The merger will result in one of the largest independent banks in TX, with 51 branches and pro forma assets of over $5 billion. After the merger, View-Point’s bank, ViewPoint Bank, N. A., Plano, will convert to a TX state bank charter and adopt the LegacyTexas Bank name, among other changes Q


N e W S W A T C H

AZ Bank Operator Files for IPO from Australian Parent

First National Bank of Oklahoma, Oklahoma City, recently opened a new banking center location at 5101 N. Western Ave. (50th & western) in Oklahoma City. The bank previously operated the banking center at 5025 N. Western Ave. First National Bank has a second Oklahoma City location at 10900 He-

First National Bank of Oklahoma Opens New OKC Office

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ARIZoNA

fner Pointe Dr., Ste. 300, where it has maintained headquarters since 2011, and single locations each in Ponca City and Tonkawa. The bank was char-tered in 1917 as The First National Bank in Tonkawa. As of June 30, 2014, First National Bank reported $306 million in total assets, $264 million in total deposits, and $27 million in capital Q

Great Western Bancorp Inc. (GWB), Sioux Falls, SD, announced on Au-gust 28 that it has filed a registration statement (Form S-1) with the Securi-ties and Exchange Commission (SEC) for a proposed initial public offering (IPO) of its common stock currently held by National Americas Holdings, LLC, a wholly owned subsidiary of Na-tional Australia Bank Limited (NAB). The number of shares to be offered and the price range for the proposed offering have not yet been determined. GWB will be the holding company for Great Western Bank, Watertown, SD, a $9 billion-asset regional bank focused on relationship-based busi-ness and agribusiness banking. The bank serves its customers through 162 branches in seven states, including AZ, where it operates eight locations; and SD, IA, NE, CO, KS, and MO. Great Western Bank entered the AZ market in May 2007 when it acquired Sunshine State Bank, Casa Grande. Today, Great Western operates loca-tions in Casa Grande, Chandler, Globe, Coolidge, Eloy, and Maricopa Q

loUISIANAMerged Banks to Make Headquarters in HoumaA recently announced bank merger will result in the holding company headquarters in Houma. It’s the result of a merger between Deridder-based Louisiana Community Bancorp and Houma-based Coastal Commerce Bancshares. The resulting company will own banks in nine parishes with assets to-taling $900 million. It will operate as Louisiana Community Bancorp out of Coastal Commerce’s main office. Mark Folse, CEO of Louisiana Com-munity Bancorp, told The Courier (http://www.houmatoday.com), the company will own and operate four independent bank subsidiaries: City Savings Bank, Coastal Commerce Bank, Kaplan State Bank, and Teche Bank and Trust. Folse said the merger is expected to complete around January 1, 2015 Q


N e W S W A T C H

Alamogordo Financial Corp. (OTC-QB: ALMG), the parent company of BANK’34, Alamogordo, on August 29 announced that it has completed its merger with Bank 1440, Phoenix, AZ. The merger agreement was initially announced in the summer of 2013 and amended earlier in 2014. Shareholders of Bank 1440 are en-titled to receive $0.94 in cash and 0.17064 shares of Alamogordo Fi-nancial Corp. common stock for each share of Bank 1440 common stock that they owned as of the close of business on August 29, 2014. Cash will also be paid in lieu of fractional shares at a rate of $16.00 per whole share of Al-amogordo Financial Corp. common stock (the average closing price of Alamogordo Financial Corp. common stock for the 10 business days preced-ing August 26, 2014). Jill Gutierrez, president/CEO of Al-amogordo Financial Corp., said, “The foundation of this merger has been, and will continue to be, the commit-ment to create a strategic union based on complementary strengths. We have just inked a uniquely refreshing banking story around the blending of two banks, the next exciting chapters of which will now be unleashed for shareholders, customers, employees and communities of both franchises.” Brian Ruisinger, CEO of Bank 1440, added, “The synergies created by this unique combination are compel-ling for all stakeholders. Throughout the process, we continually reminded ourselves to think differently from traditional banking norms to create a platform poised for growth and con-tinued stability following 80 years of operations of the BANK’34 franchise.” Alamogordo Financial Corp. is the holding company for BANK’34, which was formed in 1934. Today, the full-service, community-oriented savings bank provides financial services to individuals, families, and businesses from Alamogordo and Las Cruces, NM, and Phoenix and Peoria, AZ, and its LPO in Scottsdale, AZ. For more information about BANK’34, visit www.Bank34.com Q

NeW MeXICoBANK’34 and Bank 1440 Complete Merger Deal


R e G U l A T o R S

C h a r t e r

a c t i v i t yArizonaBRANCHES The TEXAS DEPARTMENT OF BANKING has received an applica-tion by Comerica Bank, Dallas, TX, for a branch at 7525 W. Thunderbird Rd., Peoria. The FEDERAL RESERVE BANK OF DALLAS has received an application for this branch.ArkansasMERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF ST. LOUIS has received an appli-cation by Magnolia Banking Corpora-tion, Magnolia, to acquire, through merger, First National Bancshares of Hempstead County Inc., Hope, and thereby indirectly acquire 1st Bank, National Association, Texarkana, TX. The FRB OF ST. LOUIS has received an application by The McGehee Bank Employee Stock Ownership Plan, Mc-Gehee, to acquire additional direct ownership of up to 35% of Southeast Financial Bankstock Corp., McGehee, and thereby increase its indirect con-trol of McGehee Bank, McGehee.OklahomaCRA PERFORMANCE The FRB OF KANSAS CITY has reported an outstanding small bank CRA rating for Lakeside Bank of Sa-lina, Salina.TexasBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by Community First National Bank, Manhattan, KS, for a branch at 305 Sidney Baker St., South, Ste. 100, Kerrville. The OCC has approved an applica-tion by Bank of America, N. A., Char-lotte, NC, for a branch relocation: from 213 W. Southmore to 926 South-more Ave., Pasadena. The OCC has approved an applica-tion by Post Oak Bank, N. A., Houston, for a branch relocation: from 8350 Phelan Blvd., Ste. A, to 55 I-10 N., Beaumont. The OCC has received an applica-tion by Guadalupe National Bank,

Kerrville, for a branch at 1027 Hwy. 16 S., Fredericksburg. The TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LEND-ING has received an application by Synergy Bank, SSB, McKinney, for a branch at 2333-2335 Gravel Dr., Fort Worth.MERGERS AND ACQUISITIONS The TXDB has approved an appli-cation by Independent Bank, McKin-ney, for a merger with Houston Com-munity Bank, N.A., Houston Q

Fort Worth Banker Motley Named to CFPB CouncilThe Independent Community Bank-ers of America® (ICBA) on August 29 congratulated nine community bank-ers named to the Consumer Financial Protection Bureau’s (CFPB) Commu-nity Bank Advisory Council. Included on the list is John Motley, president, Colonial Savings, Fort Worth, TX Q

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Professional Assistance for Bankswww.skysixassociates.com

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

PERIODICAL

ued to show improvement; and com-munity banks again accounted for 45% of small loans to businesses. Total loan and lease balances rose by $178.5 billion (2.3%) in the second quarter to $8.1 trillion. This is the larg-est quarterly increase since the fourth quarter of 2007. C&I loans increased by $49.9 billion (3.1%), while other loan categories, except mortgage lending, showed Y-O-Y positive in-creases. Over the last 12 months, loan and lease balances increased by 4.9%, the highest 12-month growth rate

INDUSTRY EARNINGS (continued from Page 3) since before the recent financial crisis. Asset quality indicators continued to improve: charged offs were down 29.5% from a year earlier, past due loans declined 6.9% during the quar-ter, and the percentage of loans and leases that were noncurrent declined to 2.24%, the lowest level since the end of the second quarter of 2008. Banks set aside $6.6 billion in pro-visions for loan losses, down 22.4% from $8.5 billion a year earlier. This is the 19th consecutive quarter that the industry has reported a Y-O-Y decline in loss provisions.

The average return on assets (ROA) rose slightly to 1.07% in the second quarter from 1.06% a year ear-lier. The average return on equity (ROE) rose from 9.46% to 9.54%. The number of “problem banks” on the FDIC’s “Problem List” fell for the 13th consecutive quarter – from 411 to 354 during the quarter. The number now is 60% below the post-crisis high of 888 at the end of the first quarter of 2011. Seven FDIC-insured institutions failed in the second quarter, compared to 12 in the second quarter of 2013 Q

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