hildreth named chairman/ceo and wiginton bergeron joins ... · page 2 bankers digest august 26,...

Volume 143, No. 8August 26, 2013

In This Issue...

Two Cases of Fraud Are Cautionary Tales for Community BankersFeature..............................................3

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

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

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Hildreth Named Chairman/CEO and Wiginton President for Amegy Bank, Dallas Region

Published weekly on Mondays except fifth Mondays

Hildreth

Amegy Bank, N. A., Houston, TX, re-cently announced Matthew H. Hil-dreth, president/CEO of its Dallas Region since 2006, has been elected cha i rman /CEO, Dallas Region. Kirk Wiginton was named president of the Dallas Re-gion and will join the Dallas advisory board of directors. Amegy Bank CEO Scott McLean made the announcement. Prior to joining Amegy in 2006, Hil-dreth served as SVP and a commercial banking division manager at JPMor-gan Chase in Dallas. He has more than 25 years of corporate finance and commercial banking experience. He is

Wiginton

a graduate of SMU, where he received a BS degree in economics and finance. He currently serves as board chairman of Goodwill Indus-tries of Dallas, as a member of the Goodwill Industries Foundation, and a member of The Dallas Assembly and Dallas Citizens Council. With more than 30 years of banking experience, Wiginton began his career at Allied Bank of Texas in Houston. He joined Amegy Bank in 1997 as a vice president/commercial lender has ris-en through the ranks. He holds a BBA degree in finance and real estate from The University of Texas at Austin Q

Stanley A. Lybarger, president/CEO of BOK Financial Corp., Tulsa, OK, has announced that Steven G. Bradshaw will succeed him as pres ident /CEO, and Daniel H. El-linor will serve as COO. Both indi-viduals currently serve as senior of-ficers of the company and will assume their new positions following Lybarg-er’s retirement at the end of 2013. Bradshaw will be responsible for the strategic direction and operat-ing performance of all aspects of the company, while Ellinor will gain more

Bradshaw Ellinor

Bergeron Joins Investar As Senior Vice President Investar Bank, Baton Rouge, LA, an-nounced the hiring of Kevin Bergeron as senior vice president and com-mercial banking sales manager for the bank’s expanding market on the northshore of Lake Pontchartrain. Bergeron joins Investar from Whit-ney Bank, where he provided corpo-rate lending services to large busi-nesses for 13 years. He received a bachelor’s degree in management and an MBA degree, both from the Univer-sity of New Orleans. A native of Belle Chasse, LA, Bergeron serves customers from the bank’s Mandeville office at 2929 Hwy. 190. He serves new and existing com-mercial bank clients throughout the New Orleans area. He currently is a member of the West St. Tammany Chamber of Com-merce, Elmwood Business Associa-tion (formerly served as treasurer), St. Tammany Home Builders Association, and Our Lady of the Lake Men’s Club. Investar Bank reported total assets of $530 million at June 30, 2013 Q

Bradshaw & Ellinor Take Top Slots at BOK Financialresponsibility throughout the corpo-ration and work directly with Brad-shaw to set opera-tional strategy and drive growth ini-tiatives. Bradshaw joined BOK in 1991 to establish a new consumer invest-ment business. He currently has over-sight for consumer banking, mortgage, wealth management, treasury services, and business banking functions, as well as Colorado State Bank and Trust and Bank of Kansas City. Ellinor joined BOK10 years ago af-(continued on Page 6)

BANKERS DIGEST August 26, 2013

his banking career at Texas Ameri-can Bank in Fort Worth in the 1980’s.

From 1996 to July 2013, he worked in the wholesale/dis-tribution industry as a CFO. He is a graduate of Texas Tech University with a BBA degree in finance. Texas Capital, Houston Region, announced the

hiring of Stephen Atwell as a com-mercial banker. He joins the bank as a vice president and relationship manager with responsibility for com-mercial banking. He was previously a vice president with Wells Fargo Bank, where he was credit champion in 2013 and earlier served at JPMorgan Chase Bank. He is a graduate of the Univer-sity of Houston Q

nounced it recently promoted SVP James Hill to executive vice president

for the commercial real estate lend-ing group in Fort Worth. Hill joined the bank as a vice president in 2010 and was promot-ed to senior vice president in July 2012. As EVP, he will be responsi-

ble for managing the commercial real estate lending group and will contin-ue to manage commercial clients. Hill is a graduate of The University of Texas Honors Business Program in Austin and received an accelerated MBA degree from Texas Christian Uni-versity. Governor Rick Perry recently appointed him to the Housing and Health Services Coordination Council. In addition, Texas Capital Bank has reported hiring Eddie Broussard in Fort Worth. He has been named se-nior vice president in the corporate banking group. Broussard has 29 years of bank-ing and business financial experience in the Fort Worth market. He began

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Texas Capital Bank Ups Hill to EVP in Fort Worth, Hires Broussard and Atwell

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F e A T U R e

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S E C U R I T Y

Two Cases of Fraud Are Cautionary Tales for Community Bankers

B D

FEATURE

(continued on Page 12)

Case #1 – Her momma done raised her right.Federal law enforcement officials that

we spoke with estimate the crime we describe below occurred 2,000 times in the first six months of the year. They predict it will occur 8,000 times in the second half.

Grandma Jones, like many seniors, has a PC that she uses daily. She bought it to converse with the grand-kids. She also uses it for shopping and to verify receipt of her monthly Social Security payments. Grandma loves to read but her dim-ming eyesight limits this pleasure. She also loves a bargain! Grandma recently received an e-mail from AARP (or so she thought) offering her a Kindle Reader with au-tomatic large print and annual sub-scriptions to four magazines, for the bargain price of $1/month. The old dear clicked on the link and filled out the form to complete her purchase; however, she never received the Kindle or her magazines. Needless to say, the e-mail was bo-gus. It was a phishing scheme run by organized crime; clicking on the link compromised grandma’s computer. The hackers who took control of the PC stole grandma’s user-ID and pass-word, and used a series of four “bill pay” transactions (aka outgoing ACH credits) to steal $17,000. “The bad thing about these thefts,” said an agent with the FBI, “is that they usually don’t happen just once at a bank. In most cases the hackers target a specific bank and steal from

multiple accounts concurrently un-til the thefts are detected; then they move to a different bank. We’ve seen small banks lose $100,000 from this fraud … and in the future it will only get worse.”

“There are four factors compound-ing our work to stop these crimes,” said the agent:• Most seniors don’t have up-to-date virus detection software. A woman in New York was victimized for $92,000. When asked why she didn’t have secu-rity software on her PC she responded, “I don’t need that, I don’t go to porn sites.”• The transactions typically happen in the second and third weeks of the month, outside of the normal time when payments are received and peo-ple check their balances.• The transactions are small, typically less than $5,000. However, the hackers will do one per day until the account is drained.• The targeted banks accept “bill pay” transactions until 9:00 p.m. EDT; most

of the fraudulent transactions are posted after 5:00 p.m. local time. This timing strategy ensures the transac-tions aren’t checked by the bank, prior to being sent to the Fed. “Community banks are most of-ten targeted for this crime,” said the agent. “Their risk management sys-tems are less sophisticated and their customers more trusting.” A final note from the agent: “It’s not our job to as-sign responsibility for the losses, but, every loss I’m aware of was borne by the bank.”

Case #2 – You know … I thought they looked familiar. Another type of fraud, also tied to organized crime, is sweeping the coun-try and focuses on community banks with multiple branches. An overview of the crime is presented below.

A young husband and wife are re-locating to a small town that’s 1,000 miles from their current home. They


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BB&T bolsters staff to support North Texas expansionBB&T, Winston-Salem, NC, has pro-moted several employees to support its expansion in North TX. The new additions include three regional cor-porate bankers, one residential con-struction specialist, and seven busi-ness services officers. The combined team brings 168 years of experience in the financial services industry to BB&T’s North TX team. Lance McKoy, Carol Polasky, and Chris Sutton are new regional corpo-rate bankers serving the Dallas-Fort Worth area. They are all SVPs. McKoy, based at 111 E. 5th St., Fort Worth, earned a bachelor’s degree in management and a master’s degree in marketing from The University of Ala-bama. He also is a certified treasury planner and has 14 years of experi-ence in the financial services industry. Polasky, based at 2001 Ross Ave., Dallas, earned a bachelor’s degree in business from The University of Texas at Austin. She holds Series 7 and 63 investment licenses and has 28 years of experience. Sutton, based at 1675 Laguna Dr., Rockwell, earned a BBA degree in fi-nance from Stephen F. Austin State University and is a graduate from the SWGSB at SMU. He has seven years of experience.

Linda Garcia is a residential con-struction specialist based at 2001 Ross Ave., Dallas. She has 27 years of industry experience and holds a BBA degree in finance from The University of Texas at Austin. Lupe Ancira, Kevin Bogenreif, Henry Borbolla, Adam Donahue, Hugo Fioreze, Trey Ramsay, and Carlos Salazar are new business ser-vices officers. Ancira, based at 2001 Ross Ave., Dallas, has 16 years of experience. Bogenreif, based at 2001 Ross Ave., Dallas, has two years of financial ser-vices industry experience. He has a bachelor’s degree in accounting from SMU and is a 2012 graduate of the BB&T Leadership Development Program. Borbolla, based at 111 E. Fifth St., Fort Worth, earned a bachelor’s de-gree in marketing from TCU and has nine years of industry experience, Donahue, based at 2012 W. McDer-mott Dr., Allen, has 14 years of experi-ence in the financial services industry and a BBA degree from the University of North Texas. Fioreze, based at 801 Campbell Rd., Richardson, has eight years of indus-try experience. He earned BBA and master’s degrees in marketing from Notre Dame de Namur University.

Ramsay, based at 4605 Camp Bowie Blvd., Fort Worth, double majored at Liberty University with bachelor’s de-grees in theology and business man-agement. He has 13 years of banking experience. Salazar, based at 2001 Ross Ave., Dallas, has 30 years of experience. He earned a bachelor’s degree from the University of Notre Dame and an MBA degree from the University of Dallas. He is a past president of the D/FW Chap-ter of the Hispanic Bankers Association Q

Joe Kirk Fulton, Former Plains NB Lubbock Chairman, DiesJoe Kirk Fulton, who served as an offi-cer and later chairman of the board of directors for Plains National Bank of Lubbock, died at his ranch in Stone-wall, TX, on August 1 at the age of 81. After graduation from Texas Tech University, he entered business with his father, R.H. Fulton, in ranching, oil, and banking. The family founded Plains National Bank of Lubbock in 1955. He joined the bank as a vice president and succeeded his father as chairman in the early 1980s. He served in that capacity until the late 1980s. In addition to his banking experi-ence, Fulton raised cattle and quarter horses. He was known as one of the world’s leading breeders and owners of racing quarter horses. He was inducted into the American Quarter Horse Asso-ciation Hall of Fame in 2011. Texas Tech University fans may re-member that Fulton came up with the concept of Red Raider, which is now known as the Masked Rider. He intro-duce the Red Raider in 1954 at Texas Tech’s Gator Bowl appearance. He was inducted into the Hall of Honor at Tex-as Tech University in 2011 Q

Harris Joins IBERIABANKRon Harris has been named commer-cial lender and business unit manager at Lafayette, LA-based IBERIABANK in Deer Park. The veteran Houston-area banker has served with Frost Bank, Wachovia/Southtrust/Bayshore National Bank, and others. Earlier in his career, he served four years as an examiner with the Texas Department of Banking Q


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Rusty Rust, president/CEO of Com-mercial Bank of Texas, Nacogdoches, has reported the promotion of Reuben Brown to business development offi-cer in the North TX market area. Brown began his career with CBTX as a teller, then moved to the loan operations department. As business development officer, he will be re-sponsible for expanding customer relationships and attracting and re-taining new accounts. He will also or-ganize and participate in community outreach and educational programs focused on non-profit and commu-nity groups serving low to moderate-income communities. Brown is a 2007 graduate of Ste-phen F. Austin State University with a major in criminal justice and mi-nor in business administration. He graduated with an MBA degree from University of Phoenix in 2001 and is currently working toward a doctorate of business administration. CBTX is a $484 million-asset com-munity bank with North TX branch locations in Allen, Bedford, and Lew-isville. The bank also operates loca-tions in the East TX markets of Na-cogdoches, Lufkin, Diboll, Kinnard, and Wells Q

Brown Named North TX BDO, Commercial Bank of Texas

Amanzio Joins SBA Lender Houston-Galveston AC LDC

Jiang and Shaw Are Business RMs, Bank of Texas Houston

Landers Named AVP/Lender, Texstar NB in Universal City

George A. Amanzio has joined Hous-ton-Galveston Area Council Local De-velopment Corporation’s SBA lending division serving small businesses in the Greater Houston - Galveston area and throughout TX. He is based at the Houston office at 3555 Timmons Ln. Amanzio has more than 18 years of small business financing experience, with 15 years focused in U.S. SBA lending. He has worked for such com-panies as Textron Business Credit, Business Loan Express, Popular Small Business Capital ( a division of Banco Popular), Coastal Community Bank, and most recently Florida Community Bank. He holds a BBA degree from Northwood University and is a 16-year U.S. Navy veteran Q

Texstar National Bank, Universal City, has hired 10-year banker Jeffrey Land-ers as AVP and consumer and com-mercial lender. He will serve out of the bank’s main office at 600 Pat Booker Rd. in Universal City. He recently served with First Secu-rity Bank in Little Rock, AR, and earlier with Regions Bank. He is a graduate of the University of Arkansas Q

Bank of Texas, N. A., Houston Region, has announced the appointment of Mike Jiang and Steven Shaw to vice president and relationship managers in the business banking group. They will focus on expanding the bank’s cli-ent-based businesses that have annu-al sales revenues between $5-20 MM. Jiang joins the business banking team from JPMorgan Chase Bank, where he served eight years as a rela-tionship manager. Prior to JPMorgan Chase, he was a client account manag-er for James X Shu and Associates. He earned a BBA degree in finance from the University of Houston and is flu-ent in Mandarin-Chinese. Actively in-volved in the community, he is a board member for the International Busi-ness Committee in the Asian Chamber of Commerce. Shaw also joins the business bank-ing team from JPMorgan Chase, where he served five years as a relationship manager, managing a portfolio of cli-ents with revenues of $5 million to $25 million. Prior to JPMorgan Chase, he was a senior loan officer for Bayview Financial in FL, an assistant vice pres-ident in business banking for Metro Bank in Houston, and a financial ser-vice representative for Compass Bank in Houston. He has a BBA degree in fi-nance from the University of Houston and is fluent in Mandarin-Chinese Q

Fitch Appointed Devine Mkt President for Security BankPhillip Fitch has been promoted from vice president and business banker to Devine market president for Odessa-based Security Bank. He joined Security Bank in 2012. He has several years of commercial lend-ing experience. Prior to joining Secu-rity Bank, he served as vice president and commercial/SBA lender with Tex-star National Bank, Universal City Q

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p e o p l e

The Arkansas State Bank Department promoted Bob Henry to bank exam-iner manager; J.D. Chambliss, Jordan Hurst, and Jordan Patterson to bank senior examiner; and Raychel Pen-dergist, Chris Rittelmeyer, and Eric Roberts to bank junior examiner. The depart-ment has also hired Nathan El-liott as a bank se-nior examiner and Scott Lambert, Johnathon Welch, and Mike Wilkins as bank examiner trainees Q

First Federal Bank, Harrison, has hired Ryann Thornton as vice president and sales manager for the mortgage department at 2000 Promenade Blvd., Ste. 103, Rogers, said D.J. Wells, presi-dent of the mortgage loan division. Thornton joins First Federal with over 11 years of experience in the real estate and mortgage industry. She has been an active member of the North-west Arkansas Young Professionals Group, and the Network Community of Northwest Arkansas Q

Hurst

Patterson Elliott

Chambliss

AR State Bank Department Announces New Positions

Henry

ARKANSASoKlAHoMA

Thornton Named VP/Sales Manager, First Federal Rogers

Knight Is Small Business Banker in Edmond/NW OKCBank of America has appointed Wes-ley Knight vice president and small business banker for the Edmond and NW Oklahoma City markets. Knight is actually rejoining BofA, where he served nearly three years in retail branch management in Ed-mond. He left BofA to serve one year with Bank of Oklahoma Q

ter a 20-year banking career in TX. His current responsibilities include the majority of BOK’s commercial lending activities, TransFund, as well as Bank of Oklahoma, Bank of Albuquerque, Bank of AR, and Bank of AZ. Lybarger will retire at the end of 2013 following a 40-year career with BOK. He will continue to serve the company as a member of the BOK Fi-nancial Corp. board of directors Q

BOK Financial (continued from Page 1)

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N e W S W A T C H

loUISIANA

ARIZoNA

Metairie Bank has announced that bank board of director member Man-uel F. “Manny” Blanco was recent-ly awarded the prestigious “E Star Award,” which recognizes persons or organizations which contribute signif-icantly to increase U.S. exports. Blanco is the president/CEO of At-lantis International, a New Orleans-based company that specializes in wholesaling and shipping lubricating oils and greases to worldwide mar-kets. Blanco’s company ranks #238 in the national Hispanic Business 500. The “E” Award was originally created by President John F. Kennedy in 1961 and is one of the highest recognitions any U.S. entity or person may receive for supporting export activity Q

Metairie Bank Director Blanco Receives Export “E” Award

Stacy Is VP, Private Banking RM, Johnson Bank in PhoenixJohnson Bank, Phoenix, has an-nounced that Holley Stacy has joined as vice president and private banking relationship manager. She will serve customers from the Gainey Ranch of-fice at 8700 North Gainey Center Dr., Scottsdale. She has served in the financial ser-vices industry for nearly 20 years, with most of her career focused specifically on private banking and business de-velopment. Most recently, she served at BMO Private Bank in Scottsdale. Stacy graduated from Arizona State University with a BS degree in mar-keting. She is an active member of the community, currently serving as a board member and chair-elect for Arizona’s Children Association, one of the oldest and largest statewide child welfare and behavioral health non-profit agencies. Johnson Bank has also reported that Daniel L. Kaminski has been promoted to EVP for wealth line of business. Kaminski, who joined the bank in 2011, will oversee investment management, fiduciary services, and institutional retirement plan services at the bank’s headquarters in Racine, WI Q


N e W S W A T C H

Cullen/Frost Bankers Inc. (“Cullen/Frost”), San Antonio, announced on August 13 that it is acquiring WNB Bancshares Inc. (“WNB”) and its op-erating subsidiary Western National Bank (“Western National”), both of Odessa. The deal provides for the merger of Western National into Frost Bank, San Antonio. Under the terms of the agreement, Cullen/Frost will issue two million shares of its NYSE-traded common stock and an amount of cash neces-sary to bring the aggregate consider-ation to $220 million. The purchase price can be adjusted up or down based on a targeted BV of WNB of $87 million at closing. Western National Bank, which is a commercial bank chartered in 1977, operates through eight branch loca-

Dallas Recruiter Financial Professionals Opens in AustinDallas-based recruiting firm Financial Professionals Inc. has announced an expansion to the city of Austin, re-ported Ron Ray, CEO. The new Austin branch is led by banking/accounting recruiter Erika Boswell, who has recruiting expertise and knowledge of the Central TX re-gion. Ray said in a news release the re-cently opened Austin branch is part of a larger growth strategy that will expand Financial Professionals’ pres-ence in the key markets within the Federal Reserve’s District 11. Financial Professionals was estab-lished in 1981. The firm specializes in temporary and contract workers, di-rect hire, and mid-to-executive level recruiting. In addition, the firm offers extensive background screening and testing packages for employers. More information and updates can be ac-cessed at http://fpstaff.net Q

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tions in the Odessa, Midland, and San Antonio markets. As of June 30, 2013, the bank reported total assets of $1.4 billion, total loans of $656 million, and total deposits of $1.2 billion. The deal will allow Cullen/Frost to enter the attractive Midland/Odessa markets where it has no retail pres-ence. Frost Bank operates 110 finan-cial centers in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, San Antonio, and Rio Grande Valley regions. The bank traces its roots back to a mercantile partnership organized in 1868. Cullen/Frost is ranked among the top 50 largest U.S. banks with $22.6 billion in assets as of June 30, 2013. WNB is owned primarily by the Wood family. Jack Wood, WNB presi-dent and Western National Bank pres-iden/CEO, will join the Cullen/Frost board of directors. The transaction is expected to close in January 2014 upon satisfaction of customary closing conditions, includ-ing necessary regulatory approvals Q

JC Bank, Jennings, Opens Two Lake Charles LocationsJD Bank, Jennings, recently opened two branches in Lake Charles, ex-panding the bank's footprint in SW LA to a total of 20 branches. The two new locations are both full-service and have opened ahead of their expected fall date. The Big Lake branch is located at 4904 Big Lake Rd. The Morganfield branch is located at 4989 E. McNeese St. JD Bank is the new name for the for-mer Jeff Davis Bank & Trust Co., which has been serving customers in SW LA for more than 65 years. The bank of-ficially changed its name to JD Bank in June. According to a news release, the bank's customers had been using the nicknamed JD Bank for years, "so we decided to make it official," said Presi-dent/CEO Boyd Boudreaux Q

U.S. New Mexico Federal CU Buys Former BofA Drive-Thru

Cullen/Frost Bankers and WNB Bancshares, Odessa, Announce Merger Agreement Valued at $220 Million

U.S. New Mexico Federal Credit Union has purchased a former Bank of Amer-ica drive-thru facility at 7201 Menaul Blvd. in Albuquerque’s Northeast Heights, according to an article by Dennis Domrzalski in the Albuquerque Business Journal.

The $740 million-asset credit union said the facility will be refurbished and should be open before yearend. The facility will be the credit union’s eighth location in NM. BofA recently announced the sale of 11 NM branches to Washington Federal Q


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

ArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by First Nation-al Bank, Malden, MO, for a branch at 100 N. Main St., Leachville.MEMBERSHIP The FEDERAL RESERVE BANK OF ST. LOUIS has received an ap-plication by First State Bank, Russell-ville, to become a member of the Fed-eral Reserve System.LouisianaMERGERS AND ACQUISITIONS The FRB OF ATLANTA has received a notice by Investar Holding Corpora-tion (BHC) to become a bank holding company by acquiring 100% of the outstanding shares of Investar Bank, both of Baton Rouge. In addition, BHC has submitted a Financial Hold-ing Company declaration. The FRB OF DALLAS has received a prior notice by George W. Cummings III and Nanette Weaver Cummings, both of Monroe, to acquire and con-trol greater than 10% of Progressive Bancorp Inc. and indirectly, Progres-sive Bank, both of Monroe. The FRB OF DALLAS has received a retroactive notice by James A. Hop-son, Delhi; W. Briggs Hopson, MD, Vicksburg, MS; W. Briggs Hopson III, Vicksburg, MS; James W. Hopson, Vicksburg, MS; Stacey Hopson Bur-gess, Haltom City, TX; David Doughty, Rayville; Suzette Hopson Doughty, Rayville; James O. Doughty, Rayville; Mary C. Doughty, Rayville; and Mary K. Ricks, Vicksburg, MS; collectively a group acting in concert, to control, retain, and acquire more than 25% of Delhi Bancshares Inc., Delhi, and in-directly, Guaranty Bank & Trust Com-pany of Delhi.TexasBRANCHES The FRB OF DALLAS has received an application by Peoples Bank, Lub-bock, for a branch at 615 North Broad-way, Post.

The FRB OF DALLAS has received applications by Frost Bank, Dallas, for branches: 1204A W. 38th St., Austin; 10767 Kuykendahl Rd., The Wood-lands; Promenade Blvd. and U.S. Hwy. 90, Stafford; and 6319 Hillcrest Ave., Ste. 400, Dallas. The OCC has approved an applica-tion by Inter National Bank, McAllen, for a branch at 2828 Lee Trevino, Stes. C&D, El Paso. The OCC has received an applica-tion by Citizens National Bank, Hen-derson, for a branch at 620 W. Front St., Tyler. The TEXAS DEPARTMENT OF BANKING has received an application by Northstar Bank of Texas, Denton, for a branch at 921 W. Lamar, Arling-ton. The FRB OF DALLAS has filed an application for this branch. The TXDB has received an applica-tion by WestStar Bank, El Paso, to re-locate a branch from 10400 Montwood Dr. to 1790 N. Lee Trevino Dr., El Paso. The TXDB has approved an appli-cation by IBC-Laredo for a branch at 8650 Fredericksburg Rd., San Antonio.MERGERS AND ACQUISITIONS The OCC has received an applica-tion by First National Bank in Graham, Graham, for a business combination/affiliate merger with First Security Bank, N. A., Flower Mound, and West Side Bank and Trust, Fort Worth, both affiliates members of First Graham

Bancorp Inc., Graham, with the resul-tant institution First National Bank in Graham. The OCC has approved an applica-tion by Citizens National Bank, Hen-derson, for a business combination/affiliate merger with The East Texas National Bank of Palestine, Palestine, with the resultant institution Citizens National Bank. The TXDB has approved an appli-cation by First State Bank, Athens, to merge with Athens Subsidiary Inc., Athens. The TXDB has approved an ap-plication by Mills County State Bank, Goldthwaite, to merge The First Na-tional Bank of Hico, Hico, with and into Mills County State Bank Q

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HAVING A HARD TIME RETAINING “SPECIALISTS” OR SENIOR OFFI-CERS brought in from out of town? Have you considered investing in training current employees to be that specialist? John at The Banker’s Bro-ker, Inc. can help you with that train-ing or to help you determine if some-one could be trained. If you are tired of the fight, John can help you market your bank or unwanted branch. Ei-ther way, if you need help with your bank, contact John Scott at The Bank-er’s Broker, Inc. (432) 268-3056 or [email protected]

SERVICES

WANT AN IT AUDIT? Call Roy Ross-man, a retired National Bank Exam-iner. He will provide your internal or external IT audit needs. He has 33 years as an IT examiner and IT audi-

817.877.4120 or 817.877.0014817.877.3846 [email protected]

Recruiting and Placement Servicesfor Banking Positions at All Levels

DAVID FARMER For additional information, please contact

Visit our website to see a current listing of recruitment opportunities

www.whitneysmithco.com

301 Commerce Street, Suite 1950Fort Worth, Texas 76102

SNI FINANCIAL DIVISION OF SNI COMPANIES

®

CANDIDATES NEEDED!

Oklahoma City Sr. Commercial Lender needed. 10+ yrs exp. portfolio consisting of Professional and Executive, Lines of Credits, Equipment Finance. $110,000-130,000

Credit Analyst openings in St. Louis, Kansas City, Dallas & Fort Worth. Min 2-5 yrs exp with CRE and C&I loans. $40,000-65,000.

Commercial Lenders needed in Kansas City, St. Louis, Little Rock, DFW, Beaumont, Victoria-TX. $80,000-$135,000 plus bonus/incentives.

CFO wanted for majority family owned bank in D.C. $110,000-160,000. Looking for someone not afraid to roll up the sleeves and work.

Bank Insurance Manager Proven track record for management skills, P&C and L&H exp a must. Generous Base salary plus commission.

Office Locations

Calhoun, LA 318-644-6436Jacksonville, FL 904-713-2550

Email

[email protected]

tor. Call 903-759-7464.

POSITIONS AVAILABLE

WEST TEXAS LENDER for community bank. Will consider Jr. or Sr. lender for great opportunity. Sharon Emiliano, Bab-ich & Associates, [email protected] 214-823-9999 #306 www.babich.com

VP/SVP COMMERCIAL LENDING. Dallas or Houston. Base 120-145. CRE and C & I. Please call Kevin at 214-823-9999 x309 or send resume to [email protected].


C l A S S I F I e D FORT WORTH MARKET MANAGER: Well-respected, local generalist Com-mercial Lender needed to partner with expanding Independent Bank in establishing and growing strong FW presence. Mark Mitchell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

CHIEF FINANCIAL OFFICER: Texas bank seeks high-integrity CPA bank-er from similar top-performing bank culture possessing strong experience with GAAP, A/L, Cost Segmentation, Branch Allocation, Budgeting, Fore-casting, Securities. 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 resume in confidence to bankers [email protected], subject line Box D-5.

BRANCH MANAGER/COMMERCIAL LENDER needed for $375 MM inde-pendent community bank in West TX. Candidate would inherit a loan port-folio in the local area. Commercial lending experience and proven lead-ership skills are required. A competi-tive salary with benefits of a Match-ing 401K plan and health insurance are provided. Please send resume to [email protected], subject line Y-4.

BANK SECURITY EQUIPMENT SALES: Growing company seeking self-starting AREA SALES MANAG-ER based in San Antonio selling to banks and credit unions the compa-ny’s CCTV systems, physical security equipment, alarms, and service con-tracts. Excellent 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, writing, and speaking skills are required. E-mail [email protected].

SENIOR COMMERCIAL LENDING OFFICER: Large independent finan-cial institution has an immediate full-

time opening for a Senior Commer-cial Lending Officer in Victoria, Texas. Position requires at least 15 years ex-perience in commercial lending with extensive knowledge of commercial lending regulations and procedures. College degree in finance, account-ing, or related field is required. Prior management and leadership experi-ence a plus. Individual must possess strong business development skills. Excellent salary and benefits. Quali-fied individuals may apply on-line at www.americanbank.com. Equal Op-portunity Employer.

COO for $144M Bank in Graham, Tex-as. Responsible for Bank Operations, HR, CDARS, Information Technology, Security Officer, Investments, Insur-ance, BOLI, Fixed Assets, Accounts Payable, Training, and support Com-pliance Officer. Requirements: Col-lege Degree and a minimum of five years banking experience. Bank of-fers a competitive salary; 401k, group insurance, and PTO. Please send all inquiries to Eddie Tucker, First State Bank Graham, Fax 940-549-8886 or [email protected].

LOAN OPERATIONS PROCESSOR: Oklahoma State Bank, Guthrie, Okla-homa, is seeking an experienced Loan Operations Processor with loan platform software (i.e. LaserPro) for both consumer and commercial lend-ing. Experience with loan documen-tation tracking software required. High school diploma or equivalent required, in addition to 5 years sec-retarial or clerical experience in a bank environment. Full time position with benefits for branch in Norman, Oklahoma. Please email resume to [email protected].

FULL TIME IT MANAGER needed to manage Bank IT Systems, including installation, maintenance & support. Experience preferred. Email resume to [email protected]. For more information contact Brenda Trevino at The First National Bank of Beeville, 361-358-1530 ext. 1224.

ASSISTANT CONTROLLER wanted for $185M Panhandle Bank. Seeking qual-ity candidate with background in ac-counting/finance with potential to be a part of future senior management team. Degree required. Please email resume to [email protected].

Artesia National Bank is seeking an experienced COMMERCIAL LEND-ER. Candidate must have a minimum of 5 years experience and a work-ing knowledge of Ag lending. Formal credit training a plus. Competitive sal-ary and benefits package. Respond to [email protected]

BSA SPECIALIST position available for $865 million bank in Midland, Texas. Requires 2-3 years direct BSA experience. Position responsible for CTR submissions; BSA/AML monitor-ing and assisting BSA Officer with audit and exam preparation. Salary $35,000 - $45,000 annual. Respond to [email protected], subject line Box A-1.

BBVA Compass is seeking experi-enced COMMERCIAL RELATION-SHIP MANAGERS to help us grow in the dynamic Corpus Christi market. We offer outstanding compensation, benefits, incentives and work environ-ment. We work hard but have fun in the process. Please email Trent Cot-ton or send your resume to: [email protected].

COMMERCIAL LENDING OFFICER: North Dallas Bank & Trust Co seeks qualified candidates, who have a de-gree in Finance or Accounting, and a minimum of 5 years relative experi-ence working for a commercial bank in the North Dallas and surrounding areas. Formal Credit training is pre-ferred. If interested, you may respond directly to [email protected].

EQUIPMENT

FULLY OPERATIONAL BRANCH BANK available. Located on U.S. Highway 380 in Little Elm, Texas. Contact: [email protected].

FOR SALE: Opteva 750 – Advanced-function, Island Drive-Up ATM. ADA compliant. Contact 580-222-8080 for details.

FOR SALE OR LEASE: Modular Bank Buildings. Immediately available, 14’x66’ or 24’x66’. Texas coded facilities. Banking equipment Included along with drive thru. Contact Clint Werts at 888-800-8866, [email protected].

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.


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

open a checking account in their new town with a small amount of cash. A week later they deposit a cashier’s check for $5,000. The bank gives im-mediate credit of $200 and puts a one-day hold on the rest.

• The young couple withdraws most of the remaining funds the next day.

• The deposited check is counterfeit and returned the second day after it is deposited (which is also the day after the funds are withdrawn).

• Most bankers will look at this scenar-io and say “I’m not going to concern myself with a $5,000 loss.” However, if your bank has multiple branches and the young couple does the same thing at several offices (using differ-ent phony IDs, of course), the losses can quickly grow. A pair of criminals working in the South recently opened 60 new accounts over a two week pe-riod and stole $270,000 ($81,000 of which came from one bank with 30+ branches). “I had never heard of this fraud, nor had the company we use for fraud soft-ware,” said the bank’s chief risk officer. “They quickly updated their product to help detect this activity and we’re con-fident it won’t happen again.” Q

About the Company: Wayne Barnett Software (www.barnettsoftware.com) offers products that help with BSA/AML compli-ance, fraud detection (with special emphasis on ACH & IATs), and Wire Transfer Opera-tions. Contact the Barnett at 877-945-4344 or at [email protected]. If you have a question to ask or a story to tell (we promise anonymity).

FEATURE (continued from Page 3)

hildreth named chairman/ceo and wiginton bergeron joins ... · page 2 bankers digest august 26,...

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