arnold named president, american callahan is president, bank of … · 2016. 3. 3. · in december...

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William (Bill) Callahan has been promoted to president of Arizona Bank & Trust, Phoenix, a subsidiary of Heartland Fi-nancial USA Inc., Dubuque, IA. Jerry S c h w a l l i e r will remain as CEO. C a l l a h a n c u r r e n t l y serves as market president of Dubuque Bank and Trust, another Hearland Finan-cial subsidiary. He joined the bank in 1998. He began his banking career in Phoenix in 1983 and previously served as vice president of commercial lend-ing at First National Bank of Dubuque. “Bill has done great things here at Dubuque Bank and Trust and we will miss him at the bank and in the Dubuque community,” said Doug Horstmann, president/CEO of Dubuque Bank and Trust. “During his 18 years with DB&T, Bill has served our customers and community very well in many ways.” Heartland currently has 108 bank-ing locations serving 85 communities in IA, IL, WI, NM, AZ, MT, CO, MN, KS, MO, TX, and CA. Arizona Bank & Trust is a $580 million-asset community bank with eight banking locations in the greater Phoenix market Q

Arvest Wealth Management CEO Jim King announced recently that Donny

Rogers has been selected to replace Di-ane Wells as Arvest Trust president fol-lowing Wells’ planned re-tirement ear-lier this year. Rogers has served with the company

since 2008, when he was manager for the Fort Smith location. In June 2014, he was promoted to director of sales, overseeing management of the com-pany’s business in the Fort Smith, Little Rock, and north-central AR, and

Arnold Named President, American Bank of Commerce in Lubbock, Texas

Callahan

Callahan Is President, Arizona Bank & Trust

Rogers Selected President, Arvest Wealth Management, Fort Smith, Arkansas

Arnold

INDUSTRY EARNINGS: Fourth Quarter 2015 and Full-Year 2015Feature..............................................3

In This Issue...

Powell Thompson, CEO of American Bank of Commerce, Lubbock, TX, an-nounced on February 26 that James Arnold has been named president of Ameri-can Bank of Commerce. Arnold’s diversified back-ground and experience in the Lubbock and Austin markets brings a unique skill set to the bank. For the past 13 years, he served as execu-tive vice president of Lub-bock National Bank. Prior to his banking career, he worked in higher education at Texas Tech University and in healthcare for Covenant Health System. Arnold is currently serving as a trustee for the Lubbock Independent

School District and as a board mem-ber for Covenant Health Foundation’s

Keeping the Covenant Campaign. He earned a BBA de-gree from The University of Texas at Austin and a master’s degree from Tex-as Tech University. He is also a graduate of the ABA Stonier Graduate School of Banking at Georgetown University in 2006. American Bank of Com-merce, chartered in 1962, reported total assets of

$775 million as of December 31, 2015. The bank operates locations in Lub-bock, Austin, the Dallas area, and Co-porado Springs and Pueblo, CO Q

Joplin and Springfield, MO, markets. He has more than 21 years of industry experience. Arvest Wealth Management said Rogers will maintain those respon-sibilities for the immediate future, but his regional management duties eventually will be split between David Biliter and Brad Griffin. Rogers will continue to work in Fort Smith. Wells retired after more than 30 years with the company. King said Wells had been an “important part of the growth” of the company’s trust division. Arvest Bank, Fayetteville, AR, op-erates more than 270 bank branches in AR, OK, MO, and KS. Arvest Wealth Management, a registered investment advisory firm based in Lowell, AR, of-fers wealth management, trust servic-es, and insurance products Q

Rogers

March 7, 2016

March 7, 2016

www.bankersdigest.com Volume 148, No. 9

BANKERS DIGEST March 7, 2016

F i r s t - L o c k h a r t National Bank has announced that Robert R. “Bobby” Priest-ley has been named senior vice president and commercial and mortgage lending/market

president for the Austin-Kyle area. He joined the bank in 2010 to assist with development of business in the Austin market and surrounding areas. His experience also includes owner-ship of a construction loan and mort-gage firm and lending at other finan-cial institutions. He holds a BS degree in operations management from Long Beach State University. He is the chair-elect of the Kyle Chamber of Com-merce and also president of Region 13, the IBAT Leadership Division Q

TEXAS

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Priestley

Priestley Is President, Austin/Kyle Markets

In This Issue...

Fourth Quarter and Full-Year 2015 Industry Earnings ReportFeature..............................................3

Newswatch....................................7-9

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

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

Woods

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Woods Joins Bank SNB, Treasury Sales Officer

Southwest Ban-corp, Stillwater, OK, subsidiary Bank SNB an-nounced the ad-dition of Archie Woods as senior vice president, treasury manage-ment sales of-ficer. Woods will

be responsible for developing and retaining the treasury management relationships with existing and poten-tial clients, as well as executing the sales plan for the North TX market. Woods joins Bank SNB with 23 years of experience in banking, all of which have been dedicated to trea-sury management. He previously held positions in the greater Los Ange-les and Phoenix markets, served at Worthington National Bank in Fort Worth, and with BBVA Compass and Wells Fargo Bank. He began his career at JPMorgan Chase, where he served for 13 years. Woods is a member of the Dallas Association of Financial Professionals and the Fort Worth Association of Fi-nancial Professions Q

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F E A T U R E

Source:Federal Deposit Insurance Corporation

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INDUSTRY EARNINGS

FDIC Reports Fourth Quarter 2015 and Full-Year 2015 Insured Banks Earnings Higher

B D

FEATURE

(continued on Page 6)

On February 23, the Fed-eral Deposit I n s u r a n c e C o r p o r a -tion (FDIC) reported im-

proved fourth quarter 2015 earnings and full-year 2015 earnings for FDIC-insured institutions. Key fourth quarter highlights for the industry include:• Industry aggregate earnings of $40.8 billion in fourth quarter 2015 and the community bank segment’s earnings rose to $5.1 billion.• Net operating revenue of $174 bil-lion was 4% higher than a year ago.• Noninterest expenses were 2.5% lower than a year ago.• Loan losses posted the first year-over-year increase since second quar-ter 2010. “The banking industry continued to improve in the fourth quarter. ... How-ever, banks must remain vigilant as they manage interest-rate risk, credit risk, and evolving market conditions.” said FDIC Chairman Martin J. Gruen-berg. Full-year 2015 industy earnings were 7.5% higher than 2014: Net in-come for the full year totaled $163.7 billion, an increase of $11.4 billion (7.5%) over the total for 2014. Almost two out of every three banks (63.6%) reported higher net income in 2015. Net operating revenue was $14.9 bil-lion (2.2%) higher than in 2014, while total noninterest expenses were $5.5 billion (1.3%) lower. Itemized litiga-tion expenses at a few large banks were $6.6 billion (67.6%) less than in the previous year.

COMMUNITY BANK PERFORMANCE Community banks reported earnings of $5.1 billion during the fourth quar-ter 2015, up $198.7 million (4%) from the year-earlier quarter. Earnings im-proved on higher net interest income and noninterest income, but were off-set in part by higher loan-loss provi-sions and noninterest expense. For the 5,735 community banks in fourth quarter 2015, close to 57% reported an improvement in earnings from the year before. The pretax return on as-sets (ROA) was 1.23%, down 8 basis

points from the previous quarter, but 6 basis points above fourth quarter 2014. Unprofitable community banks totaled 9.6% during the latest quar-ter—down from 10.2% a year earlier—the lowest fourth-quarter rate since 1996. There were 77 fewer community banks at the end of the quarter, with two bank failures. Full-year 2015 earnings of $20.4 billion, increased $1.8 billion (9.7%) from 2014. Increased revenues from net interest income (up $3.9 billion,


a big heart. He will be greatly missed by his customers and the Austin Bank team,” shared Francis Spruiell, senior vice president/regional president of the Pineywoods Region. A graduate of Stephen F. Austin Uni-versity, he is active in the Timpson community where he resides. He is a Lions Club member, a summer base-ball coach, member of the Masonic

Order, and a board member for the Timpson Housing Authority. The Austin Bank Team held a reception honor-ing Atkison’s job well done and his dedication on Wednesday, Feb-

ruary 24, in the lobby of the Timpson Austin Bank, 352 Jacob St. location Q

P E O P L E

Adkison

Austin Bank Timpson President Buddy Adkison Retires

TEXAS

Austin Bank, Texas NA Vice Chairman Jeff Austin III has announced that Buddy Adkison, vice president and location president in Timpson, is re-tiring after 16 years with Austin Bank. Adkison, with a total of 16 years of experience in banking, received a 15-year service award from Austin Bank in December 2015. Before joining

the Timpson office in 2004 after his promotion to vice president and of-fice manager, he served as a lender at Austin Bank in Garrison. He was pro-moted to Timpson location president in 2005. “Buddy has been a joy to work with over the last 16 years. He always has a smile on his face, a great attitude and

Durant, OK-based First United Bank has announced Stephen Phillips has been named executive vice president and chief banking officer for TX. Phillips previously served as credit and risk officer overseeing the bank’s

credit policies and practices, management of the loan portfo-lio, and oversight of enterprise risk management. He has more than 15 years of credit and risk expertise, in-cluding positions

at Global Corporate and Investment Banking at Bank of America and tax consultant at Ernst & Young. He serves on the national board of directors for the Risk Management Association and is a past board mem-ber of RMA’s North Texas Chapter. He holds BA and MPA degrees from The University of Texas at Austin. He is a graduate of the Southwestern Gradu-ate School of Banking at SMU and is a CPA Q

Phillips

Phillips Named EVP, Chief Banking Officer, TX


Brian Davis has been joined Bank of Commerce in Duncan as senior vice

president of lend-ing. He serves out of the bank’s Law-ton mortgage loan office. Davis has 15 years of banking experience, most recently at First Bank & Trust Co. in Duncan. Ear-

lier, he served as a senior vice presi-dent with BancFirst and First National Bank and Trust Co. of Shawnee, and as a vice president and branch manager at Liberty National Bank in Lawton. He is a graduate of Cameron Uni-versity where he earned a BBA degree. He also holds a graduate banking degree from the Graduate School of Banking at Colorado in Boulder Q

P E O P L E TEXAS OKLAHOMA

Valley National Bank, Tulsa, an-nounced Lauren Smith has joined

as vice presi-dent, commercial lending. She will be responsible for originating and managing a portfolio of com-mercial loans for new and existing business relation-ships.

Smith has more than 10 years bank-ing experience. She most recently served with Security Bank in Tulsa as a vice president and commercial and SBA lender, and earlier as a credit ana-lyst and loan assistant. She began her banking career at American Bank of Oklahoma. Smith holds a BSBA degree in fi-nance and insurance from the Univer-sity of Arkansas Q

Donald Cristan has been promoted to senior vice president at First United

Bank in Lubbock. Cristan serves as the bank’s in-formation secu-rity officer. He has served with the bank as vice president and in-formation secu-rity officer since joining in 2013.

He has 15 years of banking informa-tion technology experience, including nine years with the former American State Bank in Lubbock. Cristan graduated from Texas Tech University with a degree in business administration and received an MBA degree in management from Wayland Baptist University Q

First United Lubbock Names Cristan SVP

Cristan Smith

Smith Joins Valley National Tulsa as VP, Comm Lending

Davis

Bank of Commerce Taps Davis SVP

NEW MEXICOOrtiz and Marinez Join Southwest Capital BankSouthwest Capital Bank in Albuquer-que has announced Anthony Ortiz and Desiree Martinez have recently joined the bank. Ortiz serves as an accounting of-ficer. He was previously employed at the University of Phoenix as associate director of enrollment and at A to Z Fi-nancial Services LLC, where he worked in bookkeeping and tax preparation. Martinez serves as an electronic banking coordinator. She oversees electronic payments, including direct deposit and ACH. She has 13 years of experience in retail management Q

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The Arkansas State Bank Department has promoted Johnathon Welch to

bank senior ex-aminer. Welch has been employed at the Department since February 2013. He serves as a commercial examiner in the Northwest AR of-fice in Springdale. Prior to being

hired at the Department, Welch served as a trust coordinator since January 2011 at Merchants & Planters Bank, Newport. He received a BS degree in accounting at the University of Arkan-sas, Fayetteville, in December 2010 Q

P E O P L E ARKANSAS

Arvest Bank announced recently that William “Will” Fisher has been

hired as a senior vice president in the commercial banking division in Morrilton. Pat Murphy, commu-nity bank president for Arvest Bank in Conway and Mor-rilton, made the

announcement. Before joining Arvest, Fisher was a location compliance inspector at

Fisher

Southwestern Energy. Before that, he served 10 years at Petit Jean State Bank in Morrilton as a vice president and loan officer. Fisher, a Wynne native, earned a BS degree in engineering from Arkansas Tech University in Russellville. He has lived and worked in the Morrilton area most of his professional career Q

Welch

Welch Promoted to Bank Senior Examiner in NW AR

Arvest Bank Names Fisher Senior Vice President of Commercial Banking in Morrilton

EARNINGS (continued from Page 3)

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or 6.2%) and noninterest income (up $2.3 billion, or 13.3%) were offset in part by higher loan-loss provisions (up $42.8 million, or 1.8%) and noninter-est expense (up $3.4 billion, or 6.1%). Almost two out of every three commu-nity banks (63%) reported higher earn-ings from 2014. Pretax ROA totaled 1.27% for 2015, an improvement over 1.19% in 2014. Annual pretax ROA was above 1% for the past four consecu-tive years. Key fourth quarter highlights for the community bank segment include:• Net Interest Margin (NIM) fell while net Interest Income increased almost 7%; average NIM of 3.6% was down 3 basis points from the year before but 55 basis points above the average for the noncommunity banks (3.05%); nearly 70% of community banks in-creased net interest income from the year earlier.• Noninterest expense increased from fourth quarter 2014: 12 month increase in noninterest expense for community banks was led by higher salary and employee benefits (up 7.2%).• Loan balances at community banks continued to increase: the annual growth rate in loan and lease balances was 8.5%.

(continued on Page 12)


Investar Bank, Baton Rouge, recently announced that Russ Cantrelle has

assumed the role of commercial re-lationship manag-er and vice presi-dent. He will be responsible for ac-tively developing commercial loan and deposit rela-tionships in the Acadiana region.

Cantrelle has over 10 years of rela-tionship banking experience and pre-viously served as a business banking relationship manager for Iberia Bank in Acadiana. “We are very excited to welcome Russ and his energetic leadership to our team,” stated Investar Bank’s La-fayette regional president Keith Short. “As a local banker, Russ has the ability to deliver exceptional personal ser-

P E O P L E N E W S W A T C HLOUISIANA

BOM Financial Services has acquired Traber Insurance Agency in Natchi-toches. The purchase agreement was completed on February 26. Traber Insurance employees will remain with BOM Financial Services at their current location at 105 Wil-liams Ave. In June 2016, the office will move to 814 Washington St., Ste. 108, Natchitoches. “Combining two independent agen-cies will enable BOM Financial Servic-es to offer more markets to our exist-ing customers,” says BOM President/CEO Ken Hale. “With Brian Ohnout-ka remaining as agency manager, Traber Insurance strengthens BOM Financial Services’ ability to provide a wide variety of insurance options for our customers.”

“I am very excited about our sell-ing Traber Insurance Agency to BOM Financial Services. I am a customer of BOM, and the relationship I have with their company is great,” says Sam Friedman, former co-owner of Traber Insurance. “I’m excited to see our company flourish in the hands of BOM Financial Services, and I know the team at BOM will handle our busi-ness with the utmost care.” BOM Financial Services offers auto, home, life, health, and commer-cial insurance, and is a wholly-owned subsidiary of BOM, Natchitoches, for-merly known as Bank of Montgomery. Opened in 2006, BOM Financial Ser-vices, based in Natchitoches, offers a wide array of insurance products pro-vided by top rated companies Q

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Investar Bank WelcomesCantrelle as VP in Acadiana

BOM Financial Services Acquires Traber Insurance Agency in Natchitoches

Community Bank of Louisiana Presi-dent/CEO William Dorroh announced the election of Ronald Wayne Jack-son and Justin B. Moore to the board of directors for Community Bank of Louisiana. Jackson is a 40-year banker in DeSo-to Parish and currently serves as ex-ecutive vice president of Community Bank of Louisiana. He is a graduate of Wiley College and a resident of Man-sfield. Dr. Moore is a native of Minden and a resident of Shreveport. He is employed by Christus Schumpert and is a partner in Emergency Care Asso-ciates. He is a graduate of Louisiana Tech University and Louisiana State University School of Medicine. Community Bank of Louisiana is a home-owned and operated communi-ty bank with 10 offices serving DeSoto, Caddo, and Bossier parishes. As of December 31, 2015, the bank reported total assets of $444 million. The bank was founded in 1901 making it one of the oldest banks in the state of LA Q

Community Bank ElectsJackson & Moore to Board

vice and recognize customer needs.” Cantrelle graduated from Louisiana State University where he received a bachelor’s degree in economics. He is a native of New Orleans and current-ly resides in Lafayette. He has also served on various community boards and is currently executive board third vice president for the Greater Iberia Chamber of Commerce Q

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N E W S W A T C HTEXAS

Broadway Bank in San Antonio Celebrates75 Years as an Independent Community BankBroadway Bank, San Antonio’s largest independently-owned and operated bank, is celebrating its 75th anniver-sary in 2016 with activities for custom-ers, employees, and the community whose loyalty to this family-owned institution has endured for five gen-erations. The celebration included a ceremony on February 23 to bury a 2016 time capsule filled with Broad-way Bank items to be opened in 25 years. To honor its military heritage and the military service of its found-ers, Broadway Bank will also make a $75,000 donation to three local mili-tary agencies. Col. Charles E. Cheever Sr. and his wife, Betty Cheever, opened Broadway National Bank on February 15, 1941, at 5044 Broadway St. in Alamo Heights with five employees and $60,000 to serve the local community and local military personnel. Today, Broadway

Bank is still family-owned and local-ly-operated with 39 banking centers throughout San Antonio, Austin, and surrounding communities. Now, with more than 630 employees, the bank has $3.2 billion in assets. “These are exciting times for our bank, especially when you look back at how it all began in 1941,” said Jim Goudge, who was named president/CEO in 1998, before ascending to chairman/CEO in 2001. “We really re-flect on and give thanks for the vision of Col. Cheever and Betty, who kept the dream alive when the colonel was away at war.” Third and fourth generation fam-ily members remain involved in the day-to-day operation of the bank. Suzanne Cheever Goudge and her sister, Jean Cheever, both serve on the board of directors. Chris Cheev-er, their brother, works in the Pri-

vate Banking Division. Sara Goudge Brouillard represents the fourth gen-eration of Cheever family members working at the bank. She runs the Family Business Resource Center. Her sister, Carrie Goudge Dyer, serves on the bank’s Austin advisory board. Ad-ditionally, Charles Cheever Jr., who began his career in the bank in 1957, currently serves as Chairman Emeritus. The Cheever family were early trend-setters in the financial industry, set-ting a high standard for innovative services. Broadway Bank was the first in San Antonio to:· establish a mortgage lending divi-sion in 1959· extend hours in 1960· raise savings rates in 1962· establish an affiliate in 1965· provide 24-hour off premise ATMs in 1982· offer on-site discount brokerage ser-vices in 1983· establish a full-service neighborhood customer convenience center in 1983· establish a suburban bank branch in downtown San Antonio in 1992. It was a desire to see other fam-ily-owned businesses succeed in the same way that led Broadway leaders to establish the Family Business Re-source Center in 2012. It provides the information and inspiration family business leaders need to work with each other and their professional ad-visors in building the most successful family businesses possible. In 2016, with at-your-fingertips banking now the norm, Broadway of-fers online and mobile banking, mobile check deposit, Apple PayTM, biomet-rics, and eBanking. The new state-of-the-art banking centers feature bistros, charging stations, and SMART ATMs that allow customers to deposit cash and checks without having to fill out a deposit slip or use an envelope. “My parent’s mission from the begin-ning was to open a bank to serve fellow members of the military, specifically, and the San Antonio community as a whole,” said Cheever Jr. “We are ex-cited that we continue to honor their hard work with commitment to our customers, loyalty to our employees and heartfelt dedication to serving the most in need in our communities.” 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

N E W S W A T C HARKANSAS

Simmons Bank to Sponsor Future of Delta Conference

ArkansasMERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF ST. LOUIS has received a change-in-control notice by The Philip K. Mo-bley 2015 Trust with Philip K. Mob-ley as trustee, both of Austin, TX, to retain control of 25% or more of the outstanding common stock of Com-mercial Bancshares Inc., Texarkana, and thereby indirectly retain control of Commercial National Bank of Tex-arkana, Texarkana. OklahomaMERGERS AND ACQUISITIONS The OFFICE OF THE COMP-TROLLER OF THE CURRENCY has received an application by The First National Bank and Trust Company of Miami, Miami, for a business combi-

nation – non-affiliate merger involving The First Bank of Fairland, Fairland, with the resultant The First National Bank and Trust Company of Miami.TexasCHARTERS The TEXAS DEPARTMENT OF BANKING has received an applica-tion by Woodhaven National Bank, Fort Worth, for charter conversion to be known as Woodhaven Bank, Fort Worth. The TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LEND-ING has received an application by TransPecos Banks, Pecos, for charter conversion to a state savings bank un-der TransPecos Banks, SSB.BRANCHES The OCC has approved an appli-cation by Capital One, N. A., Mclean, VA, for a branch at 18081 Preston Rd., Dallas. The TXDB has approved an ap-plication by First State Bank, Athens, for a branch at 1421 W. 7th Ave., Cor-sicana. The TXDB has received an applica-tion by Texas Champion Bank, Corpus Christi, for a branch at 1403 W. Bitters Rd., San Antonio.MERGERS AND ACQUISITIONS The TXDB has reported an ap-plication by Wellington State Bank, Wellington, for a merger with Security State Bank, Littlefield, was effective February 19 Q

Simmons First National Bank, Pine Bluff, will sponsor a one-day confer-ence on the future of the Arkansas Delta region on Thursday, April 7, at the Pine Bluff Convention Center. The conference, titled “The Arkan-sas Delta: Why It Still Matters,” is designed to help community leaders network with each other and discuss how towns can be managed in the face of a declining population base. The conference will begin at 9 a.m. and conclude at 4 p.m. A catered lunch will be served at noon. There is no registration fee, but those plan-ning to attend are required to register in advance at www.simmonsfirst.com/delta. “For years, many parts of east Arkan-sas have been losing population be-cause of the mechanization of agricul-ture and other factors,” said George Makris Jr., chairman/CEO of Simmons First National Corp. “Unfortunately, that trend has accelerated in portions of the Delta since the turn of the cen-tury. It’s time for those who craft pub-lic policy in our state to come up with a comprehensive plan for dealing with the problems associated with outmi-gration from the Delta. “Simmons Bank has been proud to call Pine Bluff home since 1903. And we’re proud to sponsor this public policy conference in Pine Bluff that hopefully will spur efforts to come up with a coordinated approach to ad-dressing the issues we face.” The co-chairmen for the conference are Rex Nelson, SVP of Simmons Bank, Judge Raymond Abramson of the Arkansas Court of Appeals, and Ritter Arnold of E. Ritter & Co. Speakers will include: Dr. John Kirk, director of the University of Ar-kansas at Little Rock’s Institute on Race and Ethnicity and the school’s Donaghey distinguished professor of history. Kirk will speak on the compli-cated history of race relations in the Arkansas Delta; Mike Preston, the ex-ecutive director of the Arkansas Eco-nomic Development Commission who will speak on economic development in the Delta; and Greg Hamilton, a

senior research economist, demogra-pher, and director of research at the Institute for Economic Advancement at UALR who will speak on outmigra-tion in the Delta. The conference also will feature panels on health care, education, agri-culture, and economic development Q

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Great support structure for an ex-perienced market leader. Anthony Potenti, 214-515-7609, [email protected].

WEST TEXAS CFO: Qualified can-didates will have strong account-ing experience plus call report, A/L, funds/liquidity management, inter-est rate risk, and oversight of pay-roll, health insurance, Compliance, and IT. CPA not required. Mark Mitchell, Lone Star Search. 972-335-9009. lonestarsearch.net.

COMMERCIAL LENDING OFFICER:Large independent financial insti-tution has an immediate full-time opening for a Commercial Lend-ing Officer in Victoria, Texas. Po-sition requires at least 10 years experience in commercial lending with extensive knowledge of com-mercial lending regulations and procedures. College degree in fi-nance, accounting, or related field

is required. Prior management and leadership experience a plus. Indi-vidual must possess strong business development skills. Excellent salary and benefits. Qualified individuals may apply on-line at www.american-bank.com. Equal Opportunity Em-ployer.

First State Bank - Graham, TX, is seeking a COMMERCIAL LENDER/BRANCH MANAGER. Candidate needs excellent communication skills, ability to promote good cus-tomer relations, and strong busi-ness development skills. 3+ years lending experience is preferred. Interested applicant may send a re-sume to [email protected].

COMPLIANCE OFFICER needed in $500 million Independent Commu-nity Bank in Midland, Texas. Prefer candidate with Certified Regulatory Compliance Manager (CRCM) des-

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


ignation and work experience in a community bank. We offer an excel-lent benefit package and competi-tive salary. Please send resume to [email protected], subject line Box F-1.

First Financial Bank in Eastland, TX, has an immediate opening for a VP COMMERCIAL LENDING OFFICER. Successful candidates will have a business degree with emphasis in accounting, finance, or marketing as well as six years of previous com-mercial lending experience. Inter-ested candidate may contact Kse-nia Nichols at [email protected] for more information or apply online at www.ffin.com. “Qualified applicants will receive consideration for em-ployment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran sta-tus.”

COMMERCIAL CREDIT ANALYST for expanding Northeast Tarrant County bank. Bachelor’s degree in finance, accounting or related field required. Must have excellent writ-ten and good verbal communication skills and be proficient in Microsoft Excel and Word. Previous commer-cial credit underwriting experience desired. Send resume to [email protected].

COMMERCIAL AND REAL ESTATE LENDER for expanding Northeast Tarrant County bank. Position re-quires previous commercial and real estate lending experience with-in Northern DFW area markets. Col-lege degree in finance, accounting, or related field is required. Ideal candidate should have strong credit underwriting background with pre-vious lending experience and pos-sess strong business development skills. Send resume to [email protected].

COMMERCIAL LENDING OFFICER: Prosperity Bank is a fast growing

financial institution with an imme-diate full-time opening for a Com-mercial Lending Officer in Tyler, Texas. Position requires at least 5 – 10 years’ experience in commercial lending with extensive knowledge of commercial lending regulations and procedures. College degree in finance, accounting, or related field is preferred. Prior management and leadership experience a plus. Indi-vidual must possess strong business development skills. We provide ex-cellent salary and benefits. Quali-fied individuals may apply on-line at www.prosperitybankusa.com.Equal Opportunity Employer Member FDIC.

SOUTH TEXAS CFO: Qualified can-didate will have strong accounting experience plus call report, A/L, funds/liquidity management, inter-est rate risk, and IT. Respond to [email protected], subject line Box F-2.

North Texas community bank seeks EXECUTIVE VICE PRESIDENT. Qualified candidate will have prior management and leadership expe-rience with strong commercial and real estate lending experience. Plus A/L, funds/liquidity management, interest rate risk, and compliance. Send resume to [email protected].

SVP TRUST OFFICER sought for community bank in Amarillo, TX. Excellent networker with 10+ years of fiduciary client services/sales suc-cess desired. Please email your re-sume to [email protected] if interested. Equal Opportunity Em-ployer – Member FDIC.

VICE PRESIDENT/RELATIONSHIP MANAGER for Northeast Texas lender in Sulphur Springs, Texas. Bachelor’s degree in Business Ad-ministration, Finance, Agricultural Economics, or a related field or equivalent experience and eight (8)

to ten (10) years of progressively responsible banking or related ag-ricultural lending experience. Ex-perience should include a broad understanding of lending regula-tions, credit operations, and credit practices. Competitive salary com-mensurate with experience and ex-cellent benefits. Should be willing to relocate to the Northeast Texas area and participate in community and civic activities. Send resume with references to [email protected]. EOE/M/F/D/V.

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• Small loans to businesses increased quarterly and annually: the 12 month increase was 3% or $8.7 billion.• Asset quality for C&I loans declined modestly: all major loan categories at community banks, except for C&I loans, had lower noncurrent rates from the previous quarter and the year before. The noncurrent rate for C&I loans (1.1%) increased for a second consecutive quarter, after improving for 21 consecutive quarters. The quar-terly net charge-off rate (0.19%) in-

creased (up 5 basis points) from third quarter 2015, led by higher quarterly net charge-off rates among all major loan categories. C&I loans posted the largest quarterly increase (up 14 basis points). The quarterly net charge-off rate for community banks was down 7 basis points from the previous year. Visit www.fdic.gov, Quarterly Banking Profile – 4th Quarter 2015 for more de-tails. James Chessen, American Bankers Association’s chief economist, issued a statement on FDIC’s fourth quarter

bank earnings report (www.aba.com). The key points of his statement in-clude:• Lending grew nearly across the board; nearly $9 trillion in lending at the end of 2015, with community bank lending up more than 6%.• Capital levels held strong as loans increased; total industry capital now stands at $1.8 trillion, up 3.5% for the year and 25% higher than at the end of the recession.• Strong underwriting drove improve-ment in asset quality Q

EARNINGS (continued from Page 6)

arnold named president, american callahan is president, bank of … · 2016. 3. 3. · in december...

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