Bank SNB, Stillwater, OK, announced that Patrick King has joined the com-

pany as senior vice president and trea-surer in Oklahoma City. King began his banking career with Guaranty Bank, Dallas, TX, where he remained for 21 years with the most recent

title of director of A/L analysis and director of portfolio analysis. Upon leaving Guaranty Bank, King served as senior vice president and treasurer for The F&M Bank & Trust Co., Tulsa, OK, until the bank sold. After five years in that position, he joins Bank SNB to oversee the personnel and activities of the corporate treasury department. King holds a BS degree in econom-ics and finance from The University of Texas at Dallas. He is a member of the Financial Executives International organization and Financial Executives Networking Group Q

The Bank of Zachary, Zachary, LA, has announced the promotion of four offi-

cers, according to President Preston L. Kennedy. Fonda Funder-burk has been promoted to se-nior vice presi-dent. She serves as manager of retail operations, where she over-

sees all front-line activities. She is

Frank Armstrong, chairman of the board of directors, and Israel Hino-

josa, president/CEO of The First National Bank of Hebbronville, TX, announced the promotion of Rene Yzaguirre to executive vice president, effec-tive July 1. Yzaguirre joined

the Rio Grande Valley community bank in January 2013 as an assistant cashier and loan officer. He most re-cently served as vice president and loan funding officer. Yzaguirre, a Laredo, TX, native, is a graduate of Texas A&M University Kingsville. Before joining FNB Heb-bronville, he served as branch man-ager of IBC Bank in Alice, TX. Prior to his banking industry career, he was a probation officer for the 229th Judicial District Court for 11 years Q

Volume 145, No. 4July 28, 2014

In This Issue...

Operation Coke Point, A Threat to Free Commerce and the Rule of LawFeature..............................................3

SWACHA Celebrates 40 Years.....8

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

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

Please route this issue:

www.bankersdigest.com

Robinson Is President, Simmons NE Arkansas

Published weekly on Mondays except fifth Mondays

Robinson

King Joins as Senior VP,SNB Bank in Stillwater

Yzaguirre

Yzaguirre Upped to EVP, FNB Hebbronville, TX

King

Bank of Zachary in LA Ups Funderburk to SVP

(continued on Page 6)

Simmons Bank in Jonesboro, AR, re-cently announced the promotion of

Daniel Robinson to Northeast Ar-kansas commu-nity president, ac-cording to Marty Casteel, chairman and CEO of Sim-mons Bank. Casteel stated, “Because of the recent growth ex-

perienced by our company and our success in Northeast Arkansas un-der the leadership of Barry Ledbet-ter, Barry was recently promoted to regional chairman for Central and Northeast Arkansas. While Barry will continue to be actively involved and focused on our continued presence in Northeast Arkansas, the increased responsibility that he has taken on has created a growth opportunity for another deserving individual, Dan-iel Robinson, as Northeast Arkansas Community President.” Robinson has more than nine years of financial services experience with Simmons Bank and has served as a commercial loan officer for seven years. He holds a BSBA degree from the University of Arkansas and a grad-uate banking degree from the Gradu-ate School of Banking at LSU. He has been a member of the AR Bankers Association Emerging Lead-ers Council since 2008 and served as its vice president for 2013/2014. He is the incoming president for 2014/2015. Robinson is an active member in his community. He currently serves as treasurer on the board for United Way of Northeast Arkansas Q

Funderburk

Page 2 BANKERS DIGEST July 28, 2014

John R. Childers, branch president of Bank of San Angelo, has announced

that Angela Nanny has been named vice presi-dent of lending at the 2635 Val-leyview location in San Angelo. Nanny takes over 20 years of local San Angelo lend-ing experience

to her new position. She previously served from 2004-2014 as a lender at First State Bank of Paint Rock and from 1999-2004 at Citizens State Bank, Miles. She began her banking career at a predecessor of Citibank, then known as AmWest Savings, in 1992. She has served in various lending positions throughout her career. Bank of San Angelo is a branch of The First National Bank of Ballinger Q

Houston-based Amegy Bank has re-ported the promotion of Aby Thomas

to senior vice president. In his role as manager of Amegy’s retail banking group in Dallas, he special-izes in growing Amegy’s retail cus-tomer base. He is now on the bank’s senior manage-

ment team. Kirk Wiginton, president/CEO of Amegy Bank in Dallas, made the announcement. Thomas began his banking career as a teller at Bank of America and gained experience at JP Morgan Chase and Citibank before joining Amegy in 2009. He has served in banking for 16 years and has 12 years of experience in a managerial position and more than 10 years of outside sales experience. Thomas earned a BBA degree in fi-nance from The University of Texas at Arlington. He has served on the board for the Richardson Chamber of Com-merce, and he chaired Amegy Bank’s annual United Way Campaign for Dal-las in 2011 Q

p e o p l e TeXAS

Thomas Upped to SVP, Amegy Bank in Dallas

Bankers Digest®

Established 1942A Weekly Bank News Magazine

(USPS 041180)Published weekly on Monday except fifth Mondays

at 9516 Bill Browne Lane, Dallas, Texas 75243Copyright 2014 Bankers Digest®

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

P. O. BOx 743006Dallas, Texas 75374-3006

Phone 214/221-4544Fax 214/221-4546

E-mail: bankersdigest@bankersdigest.comwebsite: www.bankersdigest.com

One year subscription rate:Print $37.00, Online $26.00; Both $50.00. Single copy $1.00

Opinions expressed by writers of bylined articles are not necessarily those of Bankers Digest. We make no representations or war-ranties for information, products, or services contained in any advertisement in this maga-zine or on our website. Editorial guidelines may be obtained upon request. Articles and photos may be submitted to above address.

Periodical postage paid at Dallas, TexasPOSTMASTER: Send address changes to Bankers Digest®, P.O. Box 743006, Dallas,

Texas 75374--3006

Thomas

Robinson Joins PlainsCapital Dallas as SVP/CLO

Robinson

PlainsCapital Bank in Dallas has hired 35-year banker Cass Robinson as se-nior vice president responsible for building a portfolio of clients through new business development and rela-tionship management with a primary focus on owner-managed middle mar-ket businesses and high net worth in-dividuals. Prior to joining PlainsCapital Bank,

Robinson served as senior vice presi-dent at Bank of Texas in Dallas, where he was responsible for new business

development fo-cused on middle market compa-nies in the Dallas area. His previ-ous experience includes manag-ing loan portfo-lios and teams of bankers for fi-nancial services

firms, including Guaranty Bank, Com-pass Bank, and Bank One Texas. Robinson received a BBA degree in finance from The University of Texas and an MBA degree from SMU. He is a current MBA advisory board member for SMU Cox School of Business, as well as a board member for The Family Place and for Texas Business Hall of Fame. He also serves as board chair-man for Center for Nonprofit Manage-ment and is a member of La Fiesta de las Seis Banderas Order of the Flags Q

Nanny Is Vice President of Lending, Bank of San Angelo

Nanny

July 28, 2014 BANKERS DIGEST Page 3

F e A T U R e

Source:Independent Community Bankers

of America®Washington, DC

www.icba.org

S T A T E M E N TOperation Choke Point, A Threat to Free Commerce

and the Rule of Law

B D

FEATURE

(continued on Page 12)

On July 15 in Wash ing t on , DC, community banker Sam Val landing-ham testified before the House

Financial Services Subcommittee on Financial Institutions and Consumer Credit. During his testimony, Vallandingham provided the fol-lowing ICBA statement for the record. (For more details, visit:www.ibca.org/news/newsre-leasedetail.cfm?ItemNumber=183918&sn.ItemNumber=1733&tn.ItemNumber=1915. “On behalf of the more than 6,500 community banks represented by ICBA, thank you for convening today's

hearing on "The Department of Jus-tice's 'Operation Choke Point'." Com-munity banks nationwide are alarmed by the sweeping scope and aggressive tactics of Operation Choke Point. We welcome this opportunity to submit ICBA's statement for the record. Operation Choke Point is a Justice Department initiative intended to ad-dress consumer fraud by "choking off" access to fraudsters' banking services. Community banks currently dedicate significant energy and resources to monitoring, detection and reporting of fraud and other financial crimes in compliance with the Bank Secrecy Act. Last year alone, depository institu-tions filed over 600,000 suspicious activity reports to assist federal and local law enforcement in the fight against financial crime. In the last two years, Choke Point has targeted more than 50 banks and payment processors with subpoenas issued under a very aggressive reading of its authority under the Financial In-stitutions Reform, Recovery, and En-forcement Act (FIRREA). Reputation in their communities is the stock-in-trade of community banks. The mere

prospect of enforcement action is daunting enough to lead risk adverse community banks to shut off access to their payment systems to all but the most established, low risk businesses. All legal forms of business should be allowed to operate freely with ac-cess to essential banking services, subject to the discretion of banks, and without excessive pressure or intimi-dation from law enforcement. Law en-forcement should focus on criminals directly, without forcing banks to act as police, and their efforts should be narrowly targeted. ICBA is encouraged that members of Congress on both sides of the aisle have been critical of the aggressive tactics and troubling impact of Operation Choke Point. At the same time, bank regulators have begun applying unwarranted scrutiny to bank relationships with categories of businesses deemed “high risk” or that supposedly create "reputational risk." These businesses include internet-based businesses, short term lenders, telemarketers, debt collectors, and other lawful busi-nesses. Regulators have questioned

C

M

Y

CM

MY

CY

CMY

K

Haltner Half Page Ad.pdf 1 3/26/14 9:00 PM

Page 4 BANKERS DIGEST July 28, 2014

p e o p l e TeXAS

Texas Bankers Foundation Honors 15 Bankers with 50-Year Banker Awards at Senior Management SummitThe Texas Bankers Foundation, the philanthropic arm of the Texas Bank-ers Association, honored 15 TX bank-ers with the 50-Year Banker Award during its 20th Annual TBA Senior Management Summit in Lost Pines on July 17. This prestigious award honors bankers with a half century or more of service and dedication to the banking industry. Jim Alexander is a senior vice president with Amegy Bank in Hous-ton. He serves as the bank’s commu-nity development manager, as well as in correspondent banking and busi-ness banking departments. He has been involved with many profession-al, community, and civic organizations and has served on several boards and committees. Linda F. Brown is a vice president at the Burleson branch of Community Bank, Fort Worth. During her career she has served in the bookkeeping department, supervised the new ac-counts, CD, and IRA departments, served as the Community Reinvest-ment Act offi cer, and served as a loan offi cer. Richard S. Cardner of La Porte is an executive vice president and chief

trust offi cer for Moody National Bank in Galveston. His favorite part of bank-ing has been being able to contribute, in a positive way, to protect the fi nan-cial well-being of clients who are often times unable to protect themselves. Jane Austin Chapman of Frankston is a third generation banker. She serves as a vice president and a mem-ber of the board of directors for Austin Bank in Jacksonville and First State Bank, Athens. She is actively involved in the executive management of both institutions. Joyce Damerau is a vice president and cashier of Marion State Bank, Marion. She has served at the bank for 41 of her 50 years in banking. She has served as the secretary to the board of directors since 1998. She is very active in all community events involving the local school and agriculture. Tom Daniels spent the majority of his career with banks in the Houston area, but returned to his hometown of Kerrville to form a de novo, Bank of the Hills, in 1997. The bank was ac-quired by Comerica Bank in 2011. He currently serves as a senior vice presi-dent with Comerica. He is active in the Kerrville area and West Kerr County

Chambers of Commerce, the Sid Pe-terson Hospital Foundation, and the Kerrville River Trail Committee. Dorothy Edwards is an assistant cashier at City National Bank in Sul-phur Springs, where she has served her entire career. She attributes her longevity in banking to working for a bank that cares for its employees and has great leadership. Janette Goodman is vice president of consumer lending for InterBank in Stephenville. She began her career in the bookkeeping department of Farm-ers-First National Bank, Stephenville, in February 1963. She has served on the board for the Erath County United Way, the Zonta Club, and the Chamber of Commerce. Paul E. Maaz of League City retired in January 2014 as vice chairman/CEO of Capital Bank in Houston. He con-tinues to serve on the bank’s board of directors. Under his leadership, Capital Bank expanded its footprint in Harris and Brazoria counties to six full service locations. His banking career began in January 1964 when he took a position as a statement clerk at Mac-Gregor Park National Bank in Houston. George W. Minear has served at The First National Bank of Shiner his entire banking career. He started with the bank while in college, working as a teller for two summers. He currently serves as vice chairman of the board of directors. He has been very active in the Shiner community. Frank Roddie was elected to the board of directors of Brady National Bank in 1964 and has served as the chairman of the board for the last 26 years. Through the years, he has served the Brady community on the Heart of Texas Hospital board, the BISD school board, and the Cham-ber of Commerce. He is a past recipi-ent of the McCulloch County Lifetime Achievement Award. Shirley Anne Rogers of Snyder has served with the West Texas State Bank, Snyder, her entire career. Her fi rst job was as a bookkeeper. She currently serves as assistant vice president and a part-time lobby teller and loan pay-

(continued on Page 5)

Outsource ATM handles all thework, while you reap the benefits.

The smart way to get the most out of your ATM network.

Own the Benefits,Not the Hardware.Own the Benefits,Not the Hardware.

Contact us today, 281.304.2204info@outsourceatm.com

Bottom-line Value in ATM Outsourcing.

www.outsourceatm.com

Do You Own Your ATMsor Do They Own You?

July 28, 2014 BANKERS DIGEST Page 5

p e o p l e ARKANSAS

Klimek Is Personal Banker, Arvest in Eureka SpringsArvest Bank, Benton County, has an-nounced that Michelle Klimek has been named personal banker in Eu-reka Springs. The announcement was made by Allen Huffman, Community Bank president in Eureka Springs. Klimek has served at Arvest since 1998, starting her career as a teller in Fayetteville. She has held several po-sitions until she was named mortgage loan assistant in 2003 and was pro-moted to mortgage originator in 2010. A native of Winslow, she studied at Northwest Arkansas Community Col-lege in Rogers Q

50 YEAR BANKERS (continued from Page 4)

ment processor. She is the fourth per-son from the bank to receive a 50-Year Banker Award. Willard J. Still is vice chairman of the board of directors for American Bank, N. A., Waco. He has served with a number of banks and has held vari-ous positions since he began his ca-reer in the bookkeeping department of Parker Square State Bank in Wichita Falls. He currently serves as the presi-dent-elect of the Waco Downtown De-velopment Corp. Frankie J. Tupa is the banking cen-ter president of the Flatonia National Bank, a branch of The First National Bank of Shiner. A banker for 53 years, he began his career in Port Lavaca at the First State Bank & Trust Company as a bookkeeper. He is active in the Flatonia community. Ruby Wimberley retired in May 2014 after a 54-year career that began as an administrative assistant to the CEO of Orange Savings and Loan, Or-ange. She was CEO of the thrift from 1984 to 1999 and was a director after a charter change to a state savings bank and the 2013 merger with First Financial Bank, N. A., Abilene. She has served both her community and the industry through the years. She served as chairman of the Texas Savings and Community Bankers Association from 1998 to 1999 Q

TeXAS

JOB #:

BLEED:

GUTTER:

ALMF-1336 Qrt pg Ad CLIENT:

TRIM:

LS/COLORS:

ALM First PUB:

LIVE:

INSERT:

Bankers Digest

N/A 4.75”w x 3.75”t N/A

N/A 4C N/A

ALMF-1336 Qrt Pg 4C (Einsweiler) v1.indd 1 10/31/13 10:15 AM

The possibilities are...

...limitless!

Exciting things are happening at The Bankers Bank.We are thinking big and the benefits to our customers are

w w w . t h e b a n k e r s b a n k . c o m • 8 0 0 - 5 2 2 - 9 2 2 0EQUAL HOUSING OPPORTUNIT Y • MEMBER FDIC • MEMBER FEDER AL RESERVE SYSTEM

ARIZoNAChicone Promoted to Vice President, FineMark ScottsdaleFineMark National Bank & Trust has announced that Susan Chicone has been promoted to vice president and managing executive at the Scottsdale offi ce at 7600 E. Doubletree Ranch Rd., Ste. 100. Chicone has served as FineMark’s managing executive for AZ since Sep-tember 2013, when she relocated to Scottsdale from Fort Myers, FL, where

the bank is headquartered. She joined FineMark National in Fort Myers in 2008 as a relationship banker and was named managing executive in 2009 and vice president of banking in 2011. Chicone holds a BS, Business de-gree from Jacksonville University and MBA degree and MS degree in ac-counting from Florida Gulf Coast Uni-versity Q

Page 6 BANKERS DIGEST July 28, 2014

p e o p l e

BANK OF ZACHARY (continued from Page 1)

loUISIANA

is also a lending officer, primarily in consumer loans. A native of Zachary, she has served with the Bank of Zachary for 32 years, starting as a teller in 1982. Kim McDonald has been pro-moted to vice president. She serves as electronic banking manager, a po-sition she assumed in 2013 after sev-eral years as manager of the Central Branch at 4743 Main St. A native of Zachary, she previously worked for the Bank of Zachary while a student in high school. She began her current tenure in 2008 and has more than 20 years of experience in the financial services industry. Donna Brown has been promoted to assistant vice president. She serves in the accounting department. She was promoted from assistant cashier. A native of Denham Springs, she start-ed her Bank of Zachary career in 2002 as a teller. Jeree Chaney has been promoted to assistant vice president. She serves as a loan officer, primarily in mortgage lending. She is currently responsible for a substantial portion of the bank’s mortgage loan portfolio. After start-ing as a teller in 1996, she advanced through several positions in the loan department. A native of Baker, she has served as a lender since 2011. Founded on July 2, 1904, the Bank of Zachary is the oldest state char-tered bank in East Baton Rouge Par-ish. It is locally-owned by 300 individ-ual shareholders. The bank reported, as of March 31, 2014, total assets of $198.9 million, total loans of $90.1 million, and total deposits of $171.0 million. The bank operates two bank-ing offices in Zachary and one in East Baton Rouge Q

oKlAHoMA

First Fidelity Bank Ups Williams to Assistant Vice President, Ladd & Lee Banking Officer First Fidelity Bank, N. A., Oklahoma City, has announced three recent pro-motions in its retail banking line of business. Bryan Williams has been promoted to assistant vice president and market manager for the Tulsa market. He has served with the bank for 11 years in various management positions. He is a graduate of the University of Central

Oklahoma. Hayley Ladd has been promoted to banking officer and office manager of the Wal-Mart in-store branch in Moore. She is responsible for branch management and business develop-ment. She has more than four years of retail banking experience at the bank. Lanier Lee has been promoted to banking officer and office manager of

the MacArthur Branch in Oklahoma City. He has more than seven years of retail banking experience at the bank. He is a graduate of the University of Oklahoma and has completed man-agement training at the Moore Nor-man Technology Center Q

July 28, 2014 BANKERS DIGEST Page 7

N e W S W A T C H ARKANSAS

Farmers Bank & Trust Company of Magnolia and 1st Bank of Texarkana, TX, announced July 14 they have en-tered into an agreement for Farmers Bank & Trust to purchase 1st Bank, stated Bob L. Burns, chairman/CEO of Farmers Bank & Trust. “When com-pleted, this transaction will present a great opportunity for Farmers Bank to expand our financial services in Arkan-sas and Texas along the I-30 Interstate corridor. This expansion fits well with our plans for growth in these market areas,” he said. Mike Cross is president/CEO of 1st Bank, which was founded in Hope in 1893 and has $309 million in assets with eight locations in the communi-ties of Hope, Texarkana, Blevins, and Lewisville in AR, and Texarkana and New Boston in TX. No purchase price was included in the announcement. According to the FDIC, 1st Bank’s equity capital stood at $30.9 million as of March 31, 2014. The holding company boards of pri-vately-held Magnolia Banking Corpo-ration, parent of Farmers Bank, based in Magnolia, and First National Banc-shares of Hempstead County Inc., parent of 1st Bank, based in Hope, unanimously approved the agreement which is subject to shareholder and regulatory approval. The transaction is anticipated to close at the end of the third quarter of 2014. 1st Bank will be merged into Farm-ers Bank & Trust. With the close of the transaction, Farmers Bank & Trust Company will have approximately $1.2 billion in assets. Farmers Bank & Trust Company is a 108-year-old community bank with assets totaling $885 million and a to-tal of 17 banking locations serving the communities of Magnolia, Camden, East Camden, Welcome, Malvern, Rockport, Haskell, and Texarkana, where it has three branches in TX and one in AR. Farmers Bank offers a full range of deposit services, trust and investment management services, as well as business, commercial real es-tate, construction, mortgage, residen-tial, and consumer loans Q

Farmers Bank in Magnolia To Buy 1st Bank, Texarkana

Regulators Gilbert Barker Comptroller of the Currency

Charles Cooper Texas Department of Banking

Kristie Elmquist FDIC Ann Worthy Federal Reserve Bank of Dallas Bankers Kevin Monk Alliance Bank

Robert Hulsey American National Bank of Texas Patrick Gray TIB-The Independent BankersBank Lyle Walden TIB-The Independent BankersBank Louis Ehlinger Texas Heritage Bank

Advisors Randall James Randall S. James & Associates, Inc. Dennis Simmons SWACHA

S. Scott MacDonald Director – SMU Brad Olson Olson Research Associates, Inc. Keith Seibold FDIC - Retired BOI Management Jay Phillips Cerfis Group, Inc. Julie Courtney, CAE, CMP IBAT Education Foundation Mary E. Lange, CAE IBAT Education Foundation

BOI ADVISORY BOARD

EXPLORE THE REAL WORLD OF BANK OPERATIONS TAKE YOUR CAREER TO THE NEXT LEVEL

October 12—17, 2014

Visit http://www.swgsb.org/operations.aspx for the full brochure

Registration Open!

Page 8 BANKERS DIGEST July 28, 2014

N e W S W A T C H TeXAS ARKANSAS

Home BancShares Inc., parent of Centennial Bank, both of Conway, an-nounced July 14 the completion of its acquisition of Florida Traditions Bank (“Traditions”). Pursuant to the terms of a previously announced defi nitive agreement and plan of merger, Tradi-tions will merge with and into Centen-nial upon the fi ling of articles of merger with the Arkansas State Bank Depart-ment and with the Secretary of State of the State of Florida effective as of Tra-ditions’ close of business, July 17, 2014. John Allison, Home BancShares’ chairman, reported the news. Upon completion of the transac-tion, the combined company will have approximately $7.0 billion in total assets, $5.5 billion in total deposits, $4.7 billion in total loans, and 149 branches across AR, FL, and South AL. Bud Stalnaker, CEO of Traditions and the 2014 Florida Bankers Associa-tion Banker of the Year, will become the division president for Centennial in Central FL, managing the existing footprint of nine Centennial branches in the Central FL markets of Orlando and Tampa as well as the eight former Florida Traditions branch locations Q

SWACHA staff, Steele fi fth from right, CEO Simmons seventh from right

Home BancShares Conway Closes FL Traditions Deal

GA Bank Fails; Total YTD 13The Georgia Department of Banking & Finance closed Eastside Commer-cial Bank, Conyers, on July 18 and ap-pointed the FDIC receiver. The FDIC entered into a P&A agreement with Community & Southern Bank, Atlanta, GA, to assume all of the deposits and to purchase approximately $104.7 mil-lion all of the failed bank’s assets. In a separate transaction, the FDIC will enter into an agreement with State Bank and Trust Company, Macon, GA, to purchase $42.6 million of the failed bank’s loans. The FDIC will retain the remaining assets for later disposition. As of March 31, 2014, Eastside Commercial Bank had approximately $169.0 million in total assets and $161.1 million in total deposits. The failure is the fi rst in GA in 2014 Q

FAIleD BANKS

experience perspective

BKD National Financial Services Group

1100 CLIENTSWhat are you reflecting on? Shareholder value? Risk? In an industry filled with change, your list is likely a lengthy one. BKD National Financial Services Group

helps approximately 1,100 clients manage change, make wise decisions and stay

compliant. Experience how our expertise can help give you a better vantage point.

Debbie Scanlon // Houston dscanlon@bkd.com // 713.499.4600

Doug Van Meter // Oklahoma City dvanmeter@bkd.com // 405.606.2580

bkd.com

Jon McDowell // San Antonio jmcdowell@bkd.com // 210.341.9400

SWACHA Celebrates 40 Years as Electronic Payments Resource

SWACHA celebrated its 40th anniver-sary on July 9 with an afternoon recep-tion at its headquarters in downtown Dallas at 1999 Bryan St., Ste. 3600. SWA-CHA is one of the largest not-for-profi t e l e c -t ronic p a y -ments associ-ations in the c o u n -try. “We a r e excited to honor our history and our future as we celebrate this 40th an-niversary,” said Laura Steele, AAP, president/COO. “SWACHA has stayed true to its roots for 40 years providing our members with a sense of stability about who we are and confi dence in what we provide. While our 40th anni-versary is very important to us, we are

just as excited about our plans to con-tinue to support our members with education, products and expertise across the full spectrum of electronic payments.”

SWA-C H A b e -gan in July 9, 1 9 7 4 , a s South-w e s t -e r n A u t o -

mated Clearing House Association, with eight board members from large Dallas and Fort Worth banks, and one employee. Today, SWACHA, a leading not-for-profi t regional payments association serving about 1,000 members across the Southwest, has 15 elected board members and nearly 20 employees Q

July 28, 2014 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

N e W S W A T C H TeXAS

Vantage Bank Texas to Merge with D’Hanis StateVantage Bancorp, a San Antonio based fi nancial holding company and parent of Vantage Bank Texas, has entered into a defi nitive agreement to merge with Medina Bankshares, the par-ent company of D’Hanis State Bank, Hondo, according to a July 16 news release. Pending regulatory approval, the merger is expected to be fi nalized before the end of 2014. No purchase price was disclosed in the news release. D’Hanis State Bank reported total equity capital of $7.857 million as of March 31, 2014, accord-ing to the FDIC. The merger will add two D’Hanis State banking centers, one in D’Hanis and another in Hondo, both in Medi-na County, where the bank has had a presence for almost 100 years dating back to 1916. D’Hanis State is a state chartered institution with $47 million in total assets, $25.7 million in total loans, and $39.4 million in total de-posits, as of March 31, 2014, according to the FDIC. “Vantage Bank is focused on building long-term relationships,” said Laurie Mayfi eld, president of D’Hanis State Bank. “In addition to a much higher lending limit, we will now be able to provide our customers with a wider range of banking services and more electronic banking conveniences.”

Guy Bodine is president/CEO of Vantage Bank Texas, which is a state chartered bank with $356 million in assets. Currently, the bank operates fi ve banking centers: two in San Anto-nio and one each in Laredo, McAllen, and Refugio, where the bank was es-tablished in 1923 as the First National Bank of Refugio. Commerce Street Capital, Dallas, acted as fi nancial advisor and provid-ed a fairness opinon for Medina Bank-shares in this transaction Q

Rising Star or New Hire at Your Bank? Bank Growth or

Merger & Acquisition News? Bankers Digest Wants to Report

Your Newsbankersdigest@bankersdigest.com

ArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by Wells Far-go Bank, N. A., Sioux Falls, SD, for a branch relocation: from 23251 Pima Rd. to 23435 N. Pima Rd., Scottsdale.CRA PERFORMANCE The FEDERAL RESERVE BANK OF KANSAS CITY has reported an Outstanding CRA Performance Rat-ing for FirstBank, Lakewood, CO, in the large bank category.ArkansasBRANCHES The OCC has approved an ap-plication by The Malvern National Bank, Malvern, for a branch at 1025 Markham St., Conway.MERGERS AND ACQUISITIONS The FRB OF ST. LOUIS has received an application by Southern Bancorp Bank, Arkadelphia, to purchase certain assets and assume certain liabilities of the Eudora branch of Delta Trust & Bank, Parkdale, and to retain the ac-quired facility as a branch.

LouisianaBRANCHES The FRB OF DALLAS has received an application by Catahoula Holding Company, parent of Catahoula-LaSal-le Bank, both of Jonesville, to acquire 100% of JBI Financial Corporation, Jena, and indirectly, Bank of Jena, Jena.TexasBRANCHES The OCC has approved an applica-tion by Wells Fargo Bank, N. A., Sioux Falls, SD, for a branch relocation: from 2315 N. Main St. to 200 NE 28th St., Fort Worth. The OCC has approved an applica-tion by Bank of America, N. A., Char-lotte, NC, for a branch at 4001 Cross Timbers Rd., Flower Mound. The OCC has received an applica-tion by Community First National Bank, Manhattan, KS, for a branch at 305 Sidney Baker Street S., Ste. 100, Kerrville. The TEXAS DEPARTMENT OF BANKING has received an application by Texas Bank and Trust Company, Longview, for a branch at 102 N. Col-lege Ave., Ste. 100, Tyler.MERGERS AND ACQUISITIONS The TXDB has approved an ap-plication by First State Bank, Shal-lowater, for a merger with The First National Bank of Amherst, Amherst Q

BANK DESIGN SPECIALISTEndorsed Provider

Page 10 BANKERS DIGEST July 28, 2014

C l A S S I F I e D

INTERNAL AUDIT OUTSOURCING: Time to improve or develop your in-ternal audit function? Our firm can help!! We provide administrative

guidance or training to your person-nel or will handle all your internal audit needs. Oversight, operational, IT, regulatory compliance, FDICIA and SOX; we can assist your com-pany in all facets of internal audit-ing. Call Bryan Kendrick to discuss at 210/413-4134 or e-mail bryan@kendrickservices.com.

HOUSTON LENDER TO OPEN LOAN PRODUCTION OFFICE in the Galle-ria vicinity. Previous experience and relationships needed. Great op-portunity for the right person. Send resume to Sharon@babich.com or call 972-802-7638 or 469-223-9885 for additional information.

PORTFOLIO MANAGER. $140-190k. TX, Chicago or NYC. Multi-billion PM experience. Kevin@ Babich.com, 214-823-9999x306.

BSA SPECIALIST needed in Free-port, TX, 5 years experience. Great career opportunity. Call Elizabeth at 214-515-7609 or send resume to Elizabeth@babich.com, www.babi-ch.com.

COMMUNITY LENDER: Bank in Eastern New Mexico Community has management succession oppor-tunity and less-hectic lifestyle. Insti-tution prefers banker from the NM region or West Texas. Mark Mitch-ell, 972-335-9009, www. lone-starsearch.net.

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

B a n k e r s D i g e s tHOW TO CONTACT US

Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dallas, TX 75374-3006. Fax: 214/221-4546. Phone: 214/221-4544.

email: bankersdigest@bankersdigest.com

Advertising rates are $45.00 for the first 30 words; $10.00 for each additional 10 words

per insertion. Ads which use a Bankers Digest box number for forwarding responses will

be charged $5.00 additional per insertion for postage and handling. Ads run on Bankers

Digest website for the duration of the advertising agreement at no additional charge.

Only Principals will be assigned box numbers. Responses to Bankers Digest boxes are

forwarded twice weekly. Advertising deadline is Monday noon for following Monday’s

publication. Bankers Digest makes no representations or warranties for information,

products, or services contained in any advertisement herein or on our website.

RecRuitment Wage & SalaRy adminiStRation

incentive compenSation BonuS planS RegulatoRy compliance

policieS and pRoceduReS

employee HandBookS

affiRmative action planS

employee RelationS advice & counSel BenefitS analySiS

unemployment claimS aSSiStance

WoRkeRS’ compenSation aSSiStance

pRoductS & poSteRS

litigation SuppoRt

tRaining

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

S E R V I C E S

POSITIONS AVAILABLE

July 28, 2014 BANKERS DIGEST Page 11

opportunity for advancement in a $500+MM, high rated bank with 7 branches and growing. Please send resume including salary history to paulal@csbandrews.com

Strong, established $360 MM com-munity bank in Central Texas seeks SENIOR VP LEVEL COMMERCIAL LENDER who can become part of its management team within a short timeframe. Looking for indi-vidual with a desire to live in and be a part of a community of 20,000 people with an understanding of the demands of a true community banker. 5 to 10 years commercial experience and strong credit skills required. Formal credit training a plus. Please respond to bankersdi-gest@bankersdigest.com, subject line Box J-1.

ASSISTANT BANK OPERATIONS MANAGER: Officer level position at profitable, growing South Arkansas based institution. Seeking individu-al with overall background in Bank Operations which includes Branch Operations, Information Technol-ogy, Electronic Banking, Item Pro-cessing, Policies/Procedures, back office functions, etc. Excellent ben-efit package includes health insur-ance, profit sharing plan, ESOP, etc. Salary commensurate with experi-ence. Please send your resume and salary requirements to ddavis@ffb1.com EOE.

FirstCapital Bank of Texas is seek-ing a COMMERCIAL LENDER. FirstCapital Bank of Texas is a lo-cally owned, independent bank headquartered in Midland, Texas with retail and loan production of-fices in Amarillo and Lubbock, Tex-as. The bank was originally char-tered in November of 1998 and has grown to nearly $1 billion in assets. Bachelor’s degree in business relat-ed field and 5 years directly related experience required. Please apply online at: www.fcbtexas.com. EEO/AA Employer/Vets/Disability.

First State Bank, Mesquite, Texas, seeks an experienced COMMER-CIAL LENDING OFFICER with a minimum of five years experience. Applicant needs experience in con-sumer, commercial, real estate and interim construction lending. Col-lege degree preferred. Qualified candidate should email resume to carolh@firststatebank.com EOE.

First State Bank, Mesquite, Texas, seeks an experienced CREDIT ANA-LYST with a minimum of four years experience. Strong credit skills re-quired, formal credit training a plus. College degree preferred. Quali-fied candidate should email resume to carolh@firststatebank.com EOE.

Independent bank in West Texas has opening for a seasoned COM-MERCIAL LENDER. Candidate should be experienced, degree preferred but experience may be substitute. Credit skills and ana-lytical ability required. Position will assume a large portfolio from retir-ing Sr. V.P. Great benefit package, excellent school system, hospital, etc., in one of the fastest growing communities in West Texas. Great

West Texas community bank has an opening for a BRANCH PRESIDENT. The applicant must have 5 years of lending experience. Must have strong communication skills and be committed to community involve-ment. The position will be responsi-ble for managing the location, staff, and originating and servicing loans. Please submit resume to bankers-digest@bankersdigest.com, subject line Box J-3.

Peoples State Bank, Shepherd, TX, is seeking an experienced COMPLI-ANCE/BSA OFFICER. Must be able to independently manage all areas of this program. Send resume to pame@psbtexas.com

EQUIPMENT

FOR SALE: Opteva 750 – Advanced-function, Island Drive-Up ATM. ADA compliant. 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

BANKING EQUIPMENT NEW AND USED: x2 units, fireproof files-notes, le-gal and letter, Money safes. FLAIR SYS-TEMS, 800/468-1246, 214/340-3580.

VAULTS • SAFES • DEPOSITORIES • PNEUMATICS

• NCR ATMS • AND MORE

2 (two) TL-15 Safe Deposit Porta Vaults

* 84”H x 37”W x 32”D

* Safe Deposit Boxes are available.

* Call with your location & box configuration for quote.

www.hvaultronics.com

* In Stock for quick delivery & installation *

(P) 972-994-0011 (F) 972-994-0016

hvaultronics@sbcglobal.net

Customized Recruitment Services

Compensation and Retention Consulting

Outplacement Counseling

For information on all of our services, please contact:

Ron Schneider28 years of Executive Banking Management Experience

817-370-1525ron@skysixassociates.com

Professional Assistance for Bankswww.skysixassociate.com

C l A S S I F I e D

Page 12 BANKERS DIGEST July 28, 2014

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.

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

PERIODICAL

longstanding relationships with busi-nesses that have been properly screened by the bank's own risk controls. It is be-yond the scope of the supervisory pro-cess to assess a bank's reputational risk or to prohibit or discourage community banks from providing these services. Community banks are the best judge of their own reputational risk and have every incentive to safeguard their own reputations through proper screening of customers. They conduct due diligence to assess the level of risk of each cus-tomer relationship and ensure that con-trols are in place to identify and monitor these relationships on an ongoing basis. ICBA is grateful to Chairman Hensarling for his May 22 letter to the bank regu-lators questioning their use of reputa-tional risk in prudential supervision. We fully endorse the Chairman's comments in that letter. The End Operation Choke Point Act of 2014 (H.R. 4986)ICBA thanks Rep. Luetkemeyer (Rep.Blaine Luetkemeyer, R-MO) for his leadership in addressing these con-cerns and specifically for introduc-ing H.R. 4986. This legislation would promote cooperation between banks and law enforcement to enable law enforcement to exercise its responsi-bility to prosecute [illegal] wrongdo-ing directly against the perpetrators of that wrongdoing, instead of taking action that results in cutting off bank-ing services to legal businesses. In ad-dition, H.R. 4986 would rein in DOJ’s abusive use of subpoena author-ity and create a safe harbor for banks serving businesses that meet specific criteria. ICBA fully supports H.R. 4986 as a response to Operation Choke Point and examiners’ recent assessment of “repu-tational risk.” We urge this committee to take up H.R. 4986 as soon as possible.” Q

FEATURE (continued from Page 3)