The board of directors of City State Bank of Palacios, TX, announced the selection of Ken-neth W. Johnson as president and CEO. He will suc-ceed Jack R. Les-ley in this capacity effective January 1, 2009. Lesley will re-main with the bank as a director and serve as a vice chair-man of the board. Johnson began his service at City State Bank of Palacios as senior vice president in 2001 and was later pro-moted to executive vice president. He has served in banking for 37 years,

Volume 133, No. 17October 27, 2008

In This Issue...CEO - What’s Your Hourly Wage?Feature.............................................3

ICBA Technology Survey .........11

Charter Activity...........................12

Classified......................................13

Please route this issue:

www.bankersdigest.com

Johnson

TechMecca 2008 Set For Nov 3-4 in DallasThe 7th annual TechMecca Technol-ogy Conference and Expo for financial institutions is set for November 3-4 at the Hyatt Regency Hotel in downtown Dallas, TX. SWACHA-The Electronic Payments Resource® will team up with the Inde-pendent Bankers Association of Texas and the Texas Credit Union League to host the event. More than 200 industry suppliers will showcase their technology services and solutions. Speakers will discuss the following topics: risk management-yesterday, today, and tomorrow; strategies for disaster recovery and data loss pre-vention; internet banking and mobile banking; international ACH transac-tions; and emerging trends and the future of financial institutions. The event’s keynote speaker is Tim Sanders, former chief solutions of-ficer for Yahoo, who will speak at the opening general session on Monday, November 3. The event format includes concurrent breakout sessions on Mon-day and Tuesday morning; exhibit hall openings on both days; and a closing general session on November 4 Q

Johnson Selected to Succeed Lesley as President/CEO, City State Bank of Palacios, TX

Schneider Is Sterling’s New FW Market CEORon Schneider has joined Houston-based Sterling Bank as CEO for the Fort Worth area. He previously served with Regions Bank as city president in charge of Tarrant Co. branches. Prior to Regions, Schneider served as chairman and president/CEO of First Financial Bank in Cleburne and earlier with Bank One in Fort Worth. The 37-year banker began his career in Omaha, NE. He holds BS and MBA degrees from the University of NE. He has served on the TBA board and as national chair-man of the statement studies commit-tee of Robert Morris Associates Q

Schneider

According to Don Frost, San Antonio region president for Frost National Bank, San An-tonio, the bank has promoted James M. Caruth to executive vice president, credit administration, Downtown Finan-cial Center. Caruth earned a BBA degree in finance from The University of Texas at Austin. He is a graduate from the Graduate School of Retail Bank Man-agement. He has 34 years of banking experience. Frost has also promoted Chris Las-kowski to vice president, corporate banking, Medical Financial Center Q

Frost Ups Caruth to EVP/Credit Admin

Caruth

serving as president of various com-munity banks in TX for over 16 years. He graduated from the University of North Texas in Denton. Johnson’s commitment to Palacios is reflected in the various leadership roles he has taken outside the bank. During the past eight years, he has served as president of the Palacios Chamber of Commerce, president of the Lions Club, and is currently the president of the Palacios Economic Development Corporation and presi-dent of the Matagorda County Eco-nomic Development Corporation. City State Bank, established in 1940, serves customers in Matagorda Coun-ty in the TX Coastal Bend region be-tween Victoria and Houston Q

Page 2 BANKERS DIGEST October 27, 2008

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Copyright 2008 Bankers Digest®

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POSTMASTER: Send address changes to Bankers Digest®, 9550 Forest Lane, Suite 125,

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p e o p l e

Guy Perry has joined Horizon Bank SSB in Austin as vice president of SBA lending. He previously served with Business Lenders LLC, UBS Capital Business Credit, Southwest Bank, and Washington Mutual Bank Q

Perry Is VP of SBA Lending, Horizon Bank in Austin

FC Holdings Inc., parent company of First Community Bank’s office in Crockett, an-nounced that Da-vid C. Gay has retired from the bank. He served with the bank for over 15 years, as president since 2001. He will re-main as a director Larry Babb, re-gional president, announced the pro-motion of Mary Ann Lightsey to pres-ident in Crockett. Lightsey has served with the First National Bank of Crockett, a First Community predecessor, for over 32 years The native of Houston County attended Angeline College in Lufkin and Anderson County Community

Lightsey Is President, Emerson EVP, Crockett

Naomi Lee Burns Bruce, 85, of Seguin and formerly of Portland, died on Oc-tober 6. The retired Ingleside banker was born December 31, 1922, near Durant, OK. Bruce retired holding the position of vice president of the First National Bank of Ingleside (now a branch of Val-ueBank Texas, Corpus Christi) Q

Retired Ingleside Banker Bruce Dies at Age 85

College in Palestine. The bank also hired Wallace Emer-son as executive vice president/senior leding officer for East TX in Crockett. He previously was president of First National Bank in Munday-Haskell Branch; and before that, president/ CEO and director of First National Bank of Bullard. Emerson takes 50 years of experience to his new posi-tion. He holds a BBA degree from Tex-as Tech University Q

Lightsey

w w w . b a n k e r s d i g e s t . c o m

October 27, 2008 BANKERS DIGEST Page 3

F e A T U R e

B D

FEATURE

As the CEO, your income is tied directly to the perfor-mance of the bank. If you

really want to improve the bank’s per-formance through your own produc-tivity and help your staff to increase their own productivity, then spend some time thinking about your hourly wage. Understanding what an hour of your time is worth will allow you to delegate and schedule with greater conviction. Lets start with some simple math. Divide your annual salary by 2,080 hours (52 weeks times 40 hours per week) to get your hourly wage rate. If you make $100,000 a year, that’s about $50 an hour; at $150,000 a year that is about $75 per hour, and at $200,000 a year, that is about $100 per hour. If you make $250,000 per year, that is about $125 per hour. Once you know your hourly wage, it becomes easier to ask the crucial questions: “Is what I am doing right now really worth $100 per hour, or should someone else on my staff be doing this so that I can handle the bank more responsibly? Does it make sense for me to perform an $8, or $10 or $20-per-hour activity when I have several $100-per-hour activities go-ing undone? If you are performing more $8 or $10 or $20 per-hour activi-ties than activities that are worth your actual hourly wage, the bank’s share-holder value cannot be sustained. Most people just don’t think this way. I have talked with bank CEOs who have never thought about what their hourly wage is or how it impacts their decisions. But if you don’t know your

hourly wage, it’s easy to make deci-sions that provide very little return on the bank’s investment in you. Successful bank CEOs who know their hourly wage can distinguish with absolute clarity between high-pay-off and low-payoff activities. This is a personal discipline that can be devel-oped, and one that pays big dividends. High-payoff activities are the things you do that bring the greatest value to your bank, your employees, and your customers. They are the three to five activities that should be incorporated within your personal vision of who you are. And, your personal vision should be the foundation of your bank’s vi-sion. They are your unique disciplines or distinctive skills, abilities that dis-tinguish you from your peers. Common high-payoff activities might include sharing your bank’s vision with your employees on a continuing basis, recruiting key talent, serving in com-munity leadership roles, executing the bank’s strategic plan, or leading the bank’s annual budgeting process, forecasting and financial analysis. Knowing what your high-payoff ac-tivities are and actually doing them, however, are two very different things. The average American employee spends only 50 to 60 percent of the workday on activities specified in his or her job description. That means employees waste 40 to 50 percent of their time on low-payoff activities, do-ing things that others with less skill or training should be doing. The more time you spend performing high-payoff activities, the more value you will bring to the bank’s sharehold-ers, employees, and customers. By disciplining yourself to clearly identify your high-payoff activities, and then by filling your calendar with those things and appropriately delegating, delaying, or dropping the low-payoff activities, you can go from being just a leader to becoming a great leader. The higher the payoff activity, the greater the return on your hourly rate and your personal vision, and the more ef-

By:Bob McComas

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Mathis, Poindexter, Noonan Join Texas Cap Texas Capital Bank in Dallas announces the hiring of three new senior officers. Shelly Mathis has joined Texas Capital Bank as senior vice president in the wealth management group, taking with her more than 20 years of experi-ence as a banker and wealth adviser. She joins from Comerica bank. Jennifer A. Poindexter has joined Texas Capital Bank’s treasury and li-quidity solutions group as senior vice president. Texas Capital Bank has also hired Paul Noonan as senior vice president. with more than 23 years of experience, Noonan will serve commercial loan cus-tomers in the Midway Road location Q

Coleman Retiring from Wells Fargo in Fort WorthDanny Coleman will retire from his po-sition as senior vice president and divi-sion manager at Wells FargoBank Q

Retired Mercantile Dallas Trust Banker Sieling DiesRetired Dallas trust banker Thomas Truitt Sieling died September 22 at the age of 81. Sieling served in banking for over 40 years with the majority of that time with Mercantile National Bank at Dallas and its successors. He served as a vice president and trust officer. Sieling was born in Omaha, NE, on September 8, 1927, and grew up in the Dallas suburb of Highland Park. The University of Texas at Austin graduate received a BBA degree in 1948 Q

American National Bank of Texas (ANB), based in Terrell and one of the oldest and largest community banks in Texas, recently named Ron Abi-gail as senior vice president of com-mercial lending for ANB Dallas. Abigail joins ANB with 26 years of experience as a banker in the Dallas market. Most recently, he served as senior vice president and group manager of com-mercial lending at First National Bank Southwest, Frisco, where he managed a commercial lending group, loan ad-ministrators, and credit analysts. His experience also includes 10 years with Merrill Lynch Business Fi-nancial Services and five years with Wells Fargo Bank Texas Q

Abigail Named SVP/CLO, American NB

Abigail

Harold Johnson has joined Texas Citi-zens Bank, N.A., in Pasadena as senior vice president and controller Q

Johnson Is Senior VP Texas Citizens Bank

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IBC-McAllen’s Muniz and Brown Accept AwardIBC Bank-McAllen’s Manuel Muniz, executive vice president, and Dora Brown, senior vice president, accepted the 22nd annual Muguerza-Garrett Award from the International Good Neighbor Council in Monterrey, Mexico on behalf of the bank at the awards cer-emony on October 7. This award hon-ors an individual or institution whose actions or efforts have created ood relations between the United States and Mexico. Founded in 1954, the International the International Good Neighbor Council in Monterrey is a nonprofit organization whose primary goal is to promote the “good Neighbor” principle and friendship between countries of the Western Hemisphere. The Coun-cil operates 24 active chapters in the United States and Mexico Q

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Kingsriter and Engemoen Promoted at Commerce StreetCommerce Street Capital LLC, Dal-las, has recently promoted Barrett Kingsriter to vice president, corpo-rate finance and investment banking, and Todd Engemoen from financial analyst to vice president, investment banking. Kingsriter will be more involved in the management of transactions. He will continue to participate in M&A transactions involving community

banks and bank holding companies, and be responsible for the execution of various corporate finance and capi-tal markets transactions. Engemoen has provided analyti-cal support for the firm’s investment banking and fund management ac-tivities. He has served as a financial analyst with Commerce Street Income Partners since its inception Q

FC Holdings Inc., Houston, parent company of First Community Bank’s office in Richard-son, announced that David Baty has been named market president, Richardson & Collin Counties, and Don Reavis has moved to the newly created po-sition of managing director/special assets. Baty, has 21 years of experience in the market. He began his banking ca-reer in downtown Dallas with BancTex-as and joined Canyon Creek National Bank in 1987. In 2000, following the merger of CCNB with Bank of Oklaho-ma in 1999, Baty joined Reavis at First Bank of Can-yon Creek. Baty is a graduate of Stephen F. Austin State University. Reavis has been in banking most of his adult life except for his service as a U.S. Air Force officer. He began his full-time career in 1973 at Republic National Bank in Dallas, moving to Allied Lakewood Bank (now Wells Fargo) in 1982, and to Canyon Creek National Bank in 1990. In 1999, Reavis teamed up with the First Na-tional Bank of Crockett and opened First Bank of Canyon Creek in Rich-ardson as a branch of that bank. He served as branch president and served on the board of directors. In his new position, Reavis will be working state-wide on the resolution of problem as-sets and special projects, reporting to the regional presidents. First Community Bank’s office in Richardson is a branch of First Commu-nity Bank East Texas, N.A., a subsidiary of FC Holdings, Inc. FC Holdings Inc. is a bank holding company formed in 2006 and based in Houston Q

Baty, Reavis Promoted, First Community Bank

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Page � BANKERS DIGEST October 27, 2008

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Four Southwest bankers have made the U.S. Banker magazine list of “25 most powerful women in banking 2008” and “25 women to watch 2008.” Sheila Schau-er, president and CEO, Four Cor-ners Community Bank, Farmington, NM, made the “25 most powerful women in banking 2008” list. Schauer started her banking career as a part-time teller while in high school. The self-described “detail-oriented” banker co-founded Four Corners Community Bank in 2000. The bank has grown, under Schauer’s leadership, to five locations and total assets of $163 million. Among the “25 women to watch 2008” are Karen Lee Hail, senior ex-

Southwest Community Bankers Schauer, Hail, Jordan, and King Named to Most Powerful Women in Banking Lists

ecutive vice president and COO, Mid-South Bank, N.A., Lafayette, LA; Carmen Jordan, senior vice president/corpo-rate energy servic-es division manag-er, Amegy Bank of Texas, N.A., Hous-ton; and Katrina King, senior vice president/treasury management sales manager, Amegy Bank of Texas, N.A., Houston. Hail said her focus at $937 million-asset MidSouth Bank is “the strategic end, the processes, the business plan, the service standards, making sure ev-erything is structured better for mov-ing to the next level.” Jordan, a 17-year banker, is the found-er and leader of Amegy Bank’s corpo-rate energy services division. She leads a team of eight bankers that manages

one of the largest account portfolios at the bank. Her team has generated over $1.5 billion in new loans. King is responsible for manag-ing the sales of more than 40 trea-sury management products across Amegy’s three-city footprint of Hous-ton, Dallas, and San Antonio. The 25-year banker has helped to grow Amegy’s treasury management ser-vices to more than 5,500 commercial and corporate rela-tionships during the last nine years. Each year U.S. Banker recognizes the most influ-ential women in banking and finan-cial services. This year, 4,700 women were considered Q

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Gremillion Is Vice President, American Gateway BankBradley Gremillion has been named vice president of commercial lend-ing at American Gateway Bank, Ba-ton Rouge. He formerly served as vice president of commercial lending with Omni Bank of Baton Rouge Q

loUISIANA

Burton Appointed VP at Progressive Bank in MonroeDanny Burton has been appointed vice president of technology and in-frasture at Winnsboro-based Proges-sive Bank in Monroe. He joins the bank with over 26 years of banking experience, serving for last 11 years in TX banking. Most recently, he served as vice president of infor-mation technology for First National Bank in Bryan, TX. He was instrumen-tal in establishing a statewide organi-zation of banking IT professionals. Burton is a graduate of McNeese State University with a bachelor’s de-gree in finance Q

Boyte, Edwards & Fisher Promoted at Concordia B&TConcordia Bank & Trust, Vidalia, has promoted the following bankers: San-dy Boyte to assistant vice president and special assets officer; Stephen T. Edwards to assistant cashier; and Brian D. Fisher to assistant cashier Q

Resource Bank Promotes Jarrell, Callender & HolmesResource Bank in Mandeville has re-ported the recent promotions of three bankers. Karen Jarrell has been promoted to assistant vice president and executive administrative assistant in commer-cial lending. Angela Callender has been upped to assistant vice president and assis-tant branch manager in Washington Parish. Sandy Holmes has been promoted to banking officer and BSA analyst Q

Feature (continued from Page 3)

your personal vision, and the more ef-fective you are. You can be efficient or you can be effective. Efficiency is doing things right, and effectiveness is doing the right things. You can be efficient in doing many low-payoff activities but you cannot be effective because you are not doing the right things. Which do you want to be? Once you identify your own high-and low-payoff activities, you can help your management team to do the same thing. By helping your staff to be effec-tive with what they’re best at, you can significantly improve their productiv-ity and your bank’s ROA. This is a team effort, so get your staff involved Q

About the author: Bob McComas is a coaching leader to banks and is presi-dent/CEO of Banker’s HR Advisory, a subsidiary of Bank Brokers LLC, which he is the founder and CEO. He is a contributing writer for this publica-tion.

Page 8 BANKERS DIGEST October 27, 2008

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Regent Bank, Nowata, has named Sta-cy Rogers vice president and branch manager. She was previously branch manager with IBC Bank in Tulsa. Danielle Conrad has joined the bank as deposit services manager for the Tulsa market. She most recently served withr ONB Bank in Tulsa. Scott Ward has been named assistant

vice president and commercial loan as-sistant. He previously served at Citizens Security Bank and SpiritBank Q

Sylvia Jackson has been named assis-tant vice president and administrative officer for Purcell-based First American Bank’s South Western Banking Center in Oklahoma City. Her responsibilities include managing the branch opera-

Regent Bank, Nowata, Taps Rogers, Conrad, and Ward

Jackson Named AVP for First American Ok City

2,800 2,800

1,970 1,914

238 232

0 0

0 0

2,208 2,146

520 503

8 13

0 0

0 0

528 516

2,736 2,662

64 138

2,800 2,800

81% 81%

No. copies of single issue published nearestto filing date

Average No. copies each issue during preceding 12 months

STATEMENT OF OWNERSHIP, MANAGEMENT AND CIRCULATION

(REQUIRED BY 39 U.S.C. 3685).Issue date for Circulation Data Below:

September 29, 20081. Title of Publication: BANKERS DIGEST2. Publication No. 0041-1800.3. Date of filing: October 10, 2008.4. Frequency of issue: Weekly.5. No. of issues published annually: 52.6. Annual subscription price: $36.00.7. Complete mailing address of office of publishers:

9550 Forest Lane, Suite 125, Dallas, Dallas County, Texas 75243-5928.

8. Complete mailing address of the headquarters or general business office of the publishers: 9550 Forest Lane, Suite 125, Dallas, Dallas County, Texas 75243-5928.

9. Full name and complete mailing address of Publisher, Editor and Managing Editor:

Publisher: Bonnie Jamison Blackman, 9550 Forest Lane, Suite 125, Dallas, Texas 75243-5928.

Editor: Bonnie Jamison Blackman, 9550 Forest Lane, Suite 125, Dallas, Texas 75243-5928.

Managing Editor: R. Gilbert Blackman Jr., 9550 Forest Lane, Suite 125, Dallas, Texas 75243-5928

10. Owner (If owned by a corporation its name and address must be stated and also immediately thereunder the names and addresses of stockholders owning or holding 1 per cent or more of total amount of stock. If not owned by a corporation, the names and addresses of the individual owners must be given. If owned by a partnership or other unincorporated firm, its name and address, as well as that of each individual must be given.)

Bonnie Jamison Blackman, 9550 Forest Lane, Suite 125, Dallas, Texas 75243-5928.

11. Known bondholders, mortgagees, and other security holders owning or holding 1 per cent or more of total amount of bonds, mortgages or other securities: None.

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b. Paid Circulation (By Mail & Outside Mail)

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3541

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Mails including Sales Through Dealers

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and Other Paid Distribution Outside USPS

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who furnishes false or misleading information on this or who omits material or information

requested on the form may be subject to criminal sanctions (including fines and/or imprisonment)

and/or civil sanctions (including civil penalties).

R. GILBERT BLACKMAN JR.

Business Manager

October 10, 2008

tions including teller, new accounts, and loan functions. Jackson has 17 years banking ex-perience. She earned the ABA general banking diploma from Oklahoma City Community College Q

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MidFirst Bank in Phoenix has named five banking center managers. Frederick Lake, vice president, will serve as banking center manager for the Litchfield and Indian School lo-cation. Lake joined MidFirst Bank in May from West Valley National Bank, Avondale, where he served as a busi-ness development officer. He earlier served as a market manager for two years at M&I Bank. David Melgoza, assistant vice president, will serve as banking cen-ter manager for the Power Road and Rittenhouse location. Melgoza joined MidFirst Bank in July from JPMorgan Chase Bank, where he served for the past 12 years in various positions in-cluding banking center manager. Charleen Head, assistant vice president, will serve as banking center manager for the Reems and Waddell location. Head joined MidFirst Bank

MidFirst Bank Names Lake, Melgoza, Head, Hathaway, and Cothern Banking Center Managers in Phoenix

in May after serving with Wells Fargo Bank for 24 years. She held various re-tail positions, closing her service as a senior manager in Prescott. Andrea Hathaway, assistant vice president, will serve as banking cen-ter manager for the 65th Ave. and Bell location. Hathaway joined MidFirst Bank in July from Wells Fargo Bank where she served for nine years. Ted Cothern, assistant vice presi-dent, will serve as banking center manager for the Seventh St. and Thunderbird location. Cothern joined MidFirst Bank in July from JPMorgan Chase Bank where he was a branch sales manager. He earlier served as a loan officer for Wells Fargo Home Mortgage. Susan Simper, first vice president and director of Arizona personal bank-ing for MidFirst Bank, made the an-nouncement Q

Alliance Bank of Arizona president/CEO Jim Lundy announced that Taji Allen has joined the bank as vice president and commercial banking officer at the bank’s regional office in Mesa 1110 E. Baseline Rd. Allen joins Alliance Bank with 14 years of commercial banking experi-ence, most recently, with National Bank of Arizona. She is a graduate of the University of California Berke-ley and received an MBA degree in finance from Arizona State University. She has been involved with various community organizations including serving on the Technical Review Panel for the Arizona State Board of Charter Schools the past three years. Founded in 2003, Alliance Bank, Phoenix, reported total assets of $800 million, total deposits of $657 million and total loans of $610 million as of June 30, 2008. The bank has 11 offices statewide Q

Allen Is Vice President,Comm BO for Alliance Bank

ARIZoNA

Page 10 BANKERS DIGEST October 27, 2008

N e W S W A T C H

FAIleD BANKS

SEND NEWS OF YOUR BANKbankersdigest@bankersdigest.com

Fax 214/221-4546

Capital One, N.A., McClean, VA, will locate a new regional office in down-town Dallas, according to an article by Steve Brown, real estate editor in The Dallas Morning News. The article reported the bank will move its area commercial banking headquarters to the Plaza of the Amer-icas complex on Pearl Street. About 80 bankers will start out in the office in early 2009. “Most of the peo-ple coming down here now work in far North Dallas near the Galleria,” said Kent Eastman, Capital One Bank’s area president. The bank will lease about 24,000 square feet of space which will include a retail branch in the retail atrium Q

MidFirst Bank, Oklahoma City, has purchased a $6.5 billion mortgage ser-vicing portfolio including 65,000 gov-ernment-backed mortgage loans. The purchase elevates MidFirst to among the top five servicers of Federal Housing Administration (FHA) and Veterans Administration (VA) govern-ment-backed loans. MidFirst’s gov-ernment servicing portfolio includes 372,000 loans totaling $29.3 billion. “Over the past 12 months, MidFirst has purchased government-backed FHA and VA servicing portfolios total-ing nearly $16 billion,” said Bob Dilg, president and CEO of MidFirst Bank. “Unlike riskier assets such as subprime and other private-issue mortgage loans, FHA and VA loans are directly backed by agencies of the United States government and therefore carry minimal credit risk.” MidFirst, the third largest privately-held bank in the U.S., reported it will hire 70 employees in a variety of loan servicing functions Q

Main Street Bank, Northville, MI, was closed October 10 by the Michigan Of-fice of Financial Insurance Regulation and the FDIC was named receiver. The FDIC approved the assumption of all the deposits of Main Street Bank by Monroe Bank and Trust, Monroe, MI. The failed bank’s two offices reopened on October 11 as branches of Monroe Bank. Main Street Bank had $98 million in total assets and $86 million in total deposits, as of October 7, 2008. The FDIC estimates that the cost to its Deposit Insurance Fund will be be-tween $33 million and $39 million. Monroe Bank agreed to pay a total premium of 1% for the failed bank’s deposits and to purchase certain of the failed bank’s assets. Main Street Bank is the first bank to be closed in MI since March 28, 2002. Meridian Bank, Eldred, IL, was closed October 10 by the Illinois Department of Financial Profession Regulation-Di-vision of Banking, and the FDIC was

Michigan and Illinois Banks Fail and Deposits Assumed

TeXAS

MidFirst Purchases $6.5B Mortgage Servicing Portfolio

Capital One to Open Regional Office in Downtown Dallas

named receiver. The FDIC approved the assumption of all the deposits of Meridian Bank by National Bank, Hill-sboro, IL. The failed bank’s offices reopened on October 11 and 14 as branches of Na-tional Bank. Meridian Bank had $39.18 million in total assets and $36.88 million in total deposits, as of September 25, 2008. The FDIC estimates that the cost to its DIF will be between $13 million and $14.5 million. National Bank did not pay a premi-um to assume the failed bank’s depos-its and agreed to purchase certain of the failed bank’s assets. Meridian Bank is the first bank to be closed in IL since June 27, 2002. So far in 2008 a total of 15 FDIC-in-sured institutions have been closed. As of June 30, the FDIC had 117 insured banks and thrifts on its problem list. That represented roughly one percent of the nearly 8,500 insured institutions Q

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Page 11 BANKERS DIGEST October 27, 2008

N e W S W A T C HTeCHNoloGY

A new survey by the Independent Community Bankers of America (ICBA) found community banks regard pro-tecting customer data as their primary technological concern. A majority of the nearly 1,300 community bank re-spondents to a recent survey said they planned to increase spending on secu-rity technology. “Community banks view data se-curity as a major priority, and they are pursuing new technologies to con-tinually protect their customers’ fi-nancial data,” said Viveca Ware, ICBA director of payments and technology policy. “The 2008 ICBA Community Bank Technology Survey demonstrates community banks are embracing tech-nological developments to improve customer security and convenience. ”More than 80 percent of respon-dents to the 2008 ICBA Community Bank Technology Survey said vigor-ously maintaining data security is

their top priority. The overwhelming majority of bankers said they were ex-ploring additional ways to keep cus-tomers’ personal information safe. Of those surveyed, 57 percent plan to increase spending on security-related technology over the next two years, and more than half said they would in-crease technology spending on fraud detection. Managing technology risk was cited as another top technological concern. Mobile banking, while in its infancy, is an emerging technology among com-munity banks. Although only 11 per-cent of community banks currently of-fer mobile banking to their customers, 30 percent plan to increase their tech-nology spending for mobile banking over the next two years. Meanwhile, Internet banking has reached critical mass among commu-nity banks. Eighty-nine percent of re-spondents maintain an Internet bank-

ICBA Survey Shows Data Security Primary Tech Concerning site that allows their customers to conduct banking transactions. That is a 6 percent increase from 2006. Paying bills electronically, updating account information, and viewing check im-ages are the most common services. The 2008 ICBA Community Bank Technology Survey was sponsored and coordinated by Plante & Moran, PLLC, the nation’s 12th largest certified pub-lic accounting and business advisory firm which provides a variety of finan-cial and technology services to com-munity banks. The survey, conducted in June 2008, was sent to 8,258 com-munity banks and generated 1,280 unique bank responses, nearly 16 per-cent response percentage. Summary results are available at www.icba.org/goto/techresults. Please see the TechMecca 2008 story on Page 1 for information about an important upcoming event where financial professionals can learn new technologies that can improve effi-ciency, productivity, profitability, and security in their organizations Q

Page 12 BANKERS DIGEST October 27, 2008

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 OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived an application by Bank of Ari-zona, N.A., Phoenix, for a branch at 901 N. Dobson Rd., Mesa. It has approved applications by JPM-organ Chase Bank, N.A., Columbus, OH, for branches: 4311 W. Anthem Way, Phoenix, and 228 W. Chandler Heights Rd., Chandler.ArkansasMERGERS AND ACQUISITIONS The OCC has approved an applica-tion by The First National Bank of Fort Smith for the merger of Bank of Rog-ers with and into The First National Bank of Fort Smith.CHANGE IN CORPORATE TITLE The OCC has reported a change in corporate title for First Bank of the Delta, N.A., West Helena, to Southern Bancorp Bank, N.A., was effective Oc-tober 1.LouisianaBRANCHES The OCC has approved an applica-tion by Whitney National Bank, New Orleans, for a branch at 4010 W.Boy

Scout Blvd., Ste. 155, Tampa, FL.New MexicoBRANCHES The OCC has approved an applica-tion by Bank of Albuquerque, N.A., for a branch at 6530 Paradise Blvd. NW, Albuquerque.OhioMERGERS AND ACQUISITIONS The OCC has reported the merger of Washington Mutual Bank FSB, Salt lake City, UT, with and into JPMorgan Chase Bank, N.A., Columbus, was ef-fective Septermber 25.OklahomaBRANCHES The OCC has approved an applica-tion by Central National Bank & Trust of Enid for a branch at 301 S. 30th St, Ste. A, Enid.TexasCHARTERS Fidelity Bank, N.A., Plano, has con-verted from national to state chart, ef-fective September 29, under the title Fidelity Bank, Plano. Fort Worth National Bank, Fort Worth, has converted from national to state charter, effective September 29, under the title: Southside Bank, Tyler.BRANCHES The OCC has approved an applica-tion by Texas Community Bank, Lar-edo, for a branch at 3505 Boca Chica Blvd., Ste. 109, Brownsville. It has received an application by

First National Bank, Edinburg, to relo-cate its branch from 26302 I-45 North Frwy., Ste. B, Houston, to 1525 Lake Front Circle, Spring. It has approved an application by The Frost National Bank, San Anto-nio, for a branch at 21011 US Hwy 281 North, San Antonio. It has received an application by Cen-tury Bank, N.A., Texarkana, for a branch at 1704 Greenville Ave., Dallas. It has received an application by Com-munity National Bank, Bellaire, for a branch at 9601 Broadway, Pearland. It has received an application by State National Bank of Texas, Iowa Park, for a branch at 915 Hillcrest Dr., Vernon. It has received an application by Wells Fargo Bank, N.A., Sioux Falls, SD, for a branch at 9800 N. Lamar Blvd., Austin. It has received an application by JPMorgan Chase Bank, N.A., Colum-bus, OH, for a branch at 3002 Kirby Dr., Houston.CHANGE IN CORPORATE TITLE The OCC has reported that First Na-tional Bank, Detroit, has changed its corporate title to Heritage Bank, N. A., Detroit, effective September 10. The TXDB has reported that Arp State Bank, Arp, has changed its cor-porate title to American State Bank, effective September 25. It has reported that Security State Bank, Stockdale, has changed its cor-porate title to Commerce Bank Texas, effective September 15.MERGERS AND ACQUISITIONS The OCC has approved an applica-tion by First Community Bank, N.A., Sugar Land, for the merger of First Community Bank, San Antonio, and the merger of First Community Bank East Texas, N.A., Crockett, with and into First Community Bank, N.A., Sug-ar Land. The TXDB has approved an applica-tion by Lone Star State Bank of West Texas, Lubbock, for a merger with First of Brownfield Corporation, Brown-field; approved an application for the merger of First Bank of Brownfield with and into Lone Star State Bank of West Texas, Lubbock. It has approved an application by Bank of the West, Grapevine, for the merger of The Bank of Vernon with and into Bank of the West, Grapevine Q

October 27, 2008 BANKERS DIGEST Page 13

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

Fax to 214/221-4546. Mail responses to Box Number c/o Bankers Digest, 9550 Forest Lane, Suite 125, Dallas, TX 75243-5928. Phone: 214/221-4544. email: bankersdigest@bankersdigest.

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Experienced CASHIER & CFO avail-able for position in a community bank within 50-60 miles of San Antonio. Cost and Income results oriented. Will consider consulting statewide on a contract basis.Con-tact Fred @ 210-648-1297, 361-527-0163 or email: malone.fl@sbcglobal.net.

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WACO REGIONAL OPERATIONS MANAGER with Retail Sales experi-

ence to manage multiple branches. 10+ years experience. Great op-portunity. Sharon Emiliano, Babich & Associates, Sharon@babich.com, 214/823-9999, #306, www.babich.com. (see banking).

CENTRAL TEXAS COMMERCIAL LENDER needed with 10+ years in similar position willing to relocate and bring expertise to grow bank. Sharon Emiliano, Babich & Associ-ates, Sharon@babich.com, 214/823-9999, #306, www.babich.com (see banking).

COMPLIANCE/BSA OFFICER for DFW Metroplex bank. Responsible for all internal audit and compli-ance functions. Strong compliance and BSA background desired. Har-

Page 1� BANKERS DIGEST October 27, 2008

C l A S S I F I e D vey Urban, Babich & Associates, hurban@babich.com 214-823-9999.

CHIEF FINANCIAL OFFICER/CHIEF OPERATIONS OFFICER for Dallas/Fort Worth area bank. Excellent sal-ary and great growth opportunity! Harvey Urban, Babich & Associates, hurban@babich.com 214-823-9999.

PUEBLO COLORADO AREA COM-MERCIAL LENDER! Need solid experience including ag. Resume to Jon Davis, Babich & Associates, 214/823-9999, jdavis@babich.com, www.babich.com (Banking).

ARKANSAS COMMERCIAL LENDERS. I can help you find a better situation. Resume to Jon Davis, Babich & Asso-ciates, 214/823-9999, jdavis@babich.com, www.babich.com (Banking).

COMMUNITY BANKER, TEXAS: Great small-town atmosphere, good schools, solid team needs light-com-mercial, consumer, real estate lend-er. Mark Mitchell, Lone Star Search, 972-335-9009, www.lonestarsearch.net.

CHIEF LENDER, HOUSTON: Ground floor opportunity for seasoned commer-cial lender with CLO, or similar, experi-ence. Mark Mitchell, Lone Star Search, 972-335-9009, www.lonestarsearch.net.

Houston, TX, bank is seeking an EXPERIENCED COMMERCIAL LENDER for the Greater Houston Area. Great opportunity to join this

well capitalized growing commu-nity bank. Fax resume to (713) 548-8707 or email to bankersdigest@bankersdigest.com, subject line Box Y-3.

National Bank of Commerce in Pampa has an immediate open-ing for an EXPERIENCED LENDER. Experience in all phases of lend-ing desired. Competitve salary and benefits available. Send resume to National Bank of Commerce, P.O. Box 2750, Pampa, TX 79066-2750.

CENTRAL TEXAS COMMUNITY BANK SEEKS A LENDER with at least 5 years experience in com-mercial and commercial real estate loans to serve as #2 branch lender in a growing market. Some Ag expe-rience a plus and Spanish speaking desirable but not required. Strong lending support provided. Applicant needs ability to self start and devel-op new business relationships. Sala-ry based on experience with benefits package. Respond to Attn: Box S-2, bankersdigest@bankersdigest.com.

First United Bank Lubbock is seek-ing an AG LENDER. 3-5 years of Ag lending experience required. We offer a competitive salary & a great benefits package. For confidential consideration, please send resume & salary requirements to: First Unit-ed Bank HR Dept, PO Box 16500, Lubbock, TX 79490.

BRANCH MANAGER/VICE PRESI-DENT for a successful, growth ori-ented bank in the Brazosport area. Excellent opportunity for a banker with strong lending and business development skills. Must have an entrepreneurial spirit and operate the branch like an independent community bank. Lone Star Bank, S.S.B. Contact David Kapavik at 361-596-4611 or e-mail David@lon-

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WANTED: INTERNAL AUDITOR for 1st International Bank, Plano. Can-didate must possess a minimum of two years auditing experience with all aspects of a financial institution. A financial/accounting degree with certifications such as CIA, CPA, and compliance knowledge helpful. 1st International Bank is a well rat-ed bank with 12 branches in Texas and Nevada and offers excellent benefits. Please send resumes to human.resources@fibtx.com.

Seeking EXPERIENCED TRUST OFFICER for Community Bank Trust Dept in North Central Texas. Looking for candidate with broad-based experience in trust admin-istration and investments; Oil and gas or real estate experience is a plus. This could be a No. 1 or No. 2 position in dept. Email resume to BOX O-2, bankersdigest@bankers-digest.com.

October 27, 2008 BANKERS DIGEST Page 1�

C l A S S I F I e D OMNIBANK has an opening for a CREDIT DEPT HEAD at its South Houston location. Minimum of 5-7 years credit experience and strong supervisory, analytical, and com-puter skills required. Finance/ac-counting degree preferred. Asset based lending, financial, and anal-ysis experience preferred. Email resume and salary requirements to jobs@omnibank.com or fax to 281-999-9129. EOE/M/F/D/V.

Multi-bank holding company head-quartered in west Houston is seek-ing an EXPERIENCED CFO. Reply to bankersdigest@bankersdigest.com, Box O-3.

Community Bank in Fort Worth area seeks an EXPERIENCED LENDER with at least 5 years lending ex-perience in strong real estate and light commercial lending. Required to be actively involved in local com-munity activities and have the abil-ity to develop business. Required experience and knowledge of regulatory banking laws. An Equal Opportunity Employer. Please send

resume and salary requirements to lpack@pinnbank.com.

Experienced HR ASSISTANT for a multi-bank holding company in Houston, Texas. For consideration submit resume to Box O-4, Bankers Digest.

First United Bank Lubbock is seek-ing an AG LENDER. 3-5 years of Ag lending experience required. We offer a competitive salary & a great benefits package. For confidential consideration, please send resume & salary requirements to: First Unit-ed Bank HR Dept, PO Box 16500, Lubbock, TX 79490.

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PERIODICAL

Treasury to Inject $250BTo Restore ConfidenceAs this issue goes to press, details of the federal government’s $250 billion plan to restore confidence in the bank-ing sector are beginning to unfold. Treasury Secretary Henry Paulson emphasized that the government’s in-vestment is to get banks to lend again and private investors to put up capital for banks. The government plans to use $250 billion of the $700 billion financial rescue package to buy ownership in financial institutions. The ownership form will be preferred stock issued to the Treasury. The stock will pay a divi-dend at an annual rate of five percent for five years and nine percent after that. In addition, the government will have the right to purchase the issuing bank’s common shares. On October 20, Treasury announced some criteria it would use to pick banks in which it would invest. Treasury’s investment decisions will be based on factors such as the bank’s health and management, and whether a bank is involved in or contemplating a merger transaction. Nine major banks, including all the nation’s largest institutions, will par-ticipate initially. Executives at many other banks are said to be considering whether to apply for the capital injec-tion. Banks have until November 14 to submit an application to their primary regulator. Stay tuned for more details Q

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