Paul A. Durand, president and chief executive officer of St. Martin Bank and Trust in St. Mart-inville, was installed as the 2014-2015 chairman of the Louisiana Bank-ers Association during the 114th Annual LBA Convention & Exposi-tion, held on May 7-9 in New Orleans. (www.lba.org) Durand succeeds Drake Mills, president and chief executive offi-cer of Community Trust Bank in Choudrant. As outgoing LBA chairman, Mills will continue to serve for one year as im-mediate past chairman on the LBA board of directors. The other 2014 – 2015 LBA offi-cers include: chairman-elect, W. Paul Tweedy, president and chief execu-tive officer of Bank of Jena; treasurer, Thomas L. Martin, president and chief executive officer of Gibsland Bank & Trust Company. Durand is a 42-year banker. He earned a graduate banking degree from the Graduate School of Banking at LSU and a bachelor’s degree in for-eign languages from UL at Lafayette. He had served the LBA as chairman-elect and treasurer before ascending to chairman. He also served on the ABA Government Relations Council administrative committee. He is ac-tive in his community with the Rotary Club of St. Martinville and serving as a board member for Acadiana Memo-rial Foundation, on the planning com-mission and industrial development board for St. Martin Parish, and on the board for the Greater Lafayette Cham-ber of Commerce.

Southwest Bank, Fort Worth, TX, an-nounced the promotion of Richard Dopson to president of the Beltline

Banking Center at 5151 Beltline Rd. in Dallas. He was previously senior vice president and senior commer-cial lender at the same location. He has more than 15 years of banking experience.

Prior to joining Southwest Bank in January 2014, he was senior vice presi-dent of commercial real estate at Pla-no-based ViewPoint Bank (formerly Highlands Bank). He has also served with Sovereign Bank and Regions Bank, and began his banking career as a bank examiner with the OCC. Dopson holds BBA and MBA de-grees from Texas Tech University and is a graduate the SWGSB at SMU. Southwest Bank, serving North TX for 50 years, is the largest, locally-owned, independent commercial bank in Tarrant County Q

Volume 144, No. 19May 19, 2014

In This Issue...Rethinking the Aims of Prudential RegulationFeature..............................................3

Merger & Acquisition Activity....7

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

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

Please route this issue:

www.bankersdigest.com

LBA Installs Durand at 114th Annual Convention

Published weekly on Mondays except fifth Mondays

Paul A. Durand

Dopson Is Branch Pres, Southwest Bank, Dallas In his acceptance remarks, Durand

offered three themes for his term as LBA chairman. First, en-courage bankers to actively recruit and mentor young people who are entering banking. Banks must have succession plans in place for future survival. Second, make your voices heard. When Du-rand entered banking in the early 1970s, there were 234 banks in LA; today, there are 142 banks. With fewer banks and bankers, today’s bank-ers must speak out with loud

voices for their industry in Washing-ton, DC, in Baton Rouge, and in their local communities, and provide finan-cial support when asked. Third, take pride in being a banker. He said, “Its still an honorable profession.” The general public does not differenti-ate between types of bankers. So, it is now more important than ever that the banker continue to support the economic growth of his community. Delegates to the convention also elected the following new directors: • Southeast Region Representative – David Anderson, vice chairman and executive vice president of First NBC Bank in New Orleans, • South Central Region Representa-tive – Jerry Ledet Jr., president and chief executive officer of Synergy Bank in Houma, and • Southeast Region Representative – Alton McRee, president and chief ex-ecutive officer of Fidelity Homestead Savings Bank in New Orleans. Other LBA directors continuing to serve for the upcoming year are: Southwest Region Representative,

Dopson

(continued on Page 5)

Page 2 BANKERS DIGEST May 19, 2014

Texas, Lubbock, to serve as market president as it establishes a Midland presence. Upon obtaining regulatory

approval, Lone Star State Bank will open a full-service location as part of its West TX expansion. Davis has more than three de-cades of banking and management experience, all in

Midland, most recently with BBVA Compass Bank. His fi nancial experi-ence, knowledge of the Permian Ba-sin, and deep relationships make him the ideal person to lead Lone Star State Bank in Midland, said bank CEO Alan Lackey. Davis holds a bachelor’s degree in marketing and fi nance from East-ern New Mexico University and is a graduate of the Texas Tech University School of Bank Management. He has supported numerous community or-ganizations in Midland. Midland will be the Lone Star State Bank’s fi fth market with other loca-tions in Lubbock, Odessa, Big Spring, and Brownfi eld Q

Regions Bank, Birmingham, AL, re-cently announced the appointment of

Craig Kennington as area wealth ex-ecutive for Regions Private Wealth Management in TX based in Dallas. Kennington will oversee a team of private wealth m a n a g e m e n t p r o f e s s i o n a l s who serve clients

throughout TX from offi ces in Dallas, Fort Worth, Houston, and Austin, said John Parker, Mid-America regional ex-ecutive for private wealth management. Kennington has more than 26 years of banking and management experi-ence. Prior to Regions, Kennington served as vice president and client relationship manager at JP Morgan Private Bank for fi ve years. His experi-ence also includes fi nance and man-agement positions outside of bank-ing. He holds both MBA and BBA degrees from SMU. He also serves on the boards for the Boys and Girls Clubs of Greater Dallas, as well as the Planned Giving Council of SMU Q

P E O P L E TEXAS

Lone Star State Bank Taps Davis Midland President

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straightforward. The special regulatory aims for the very largest institutions, both US and foreign, should refl ect the fact that the failure of fi nancial in-stitutions of suffi cient combined size, interconnectedness, and leverage could threaten the entire fi nancial sys-tem, and therefore, must be subject to a stricter regulatory regime.” He puts eight orgainizations, known as sys-temically important fi nancial institu-tions (SIFIs), in this category.

...the aims of prudential regulation for traditional banking organizations should vary according to the size, scope, and range of activities of the organizations.”

He suggested that the level at which banking organizations are au-

Speech byDaniel K. Tarullo,

Federal Reserve System GovernorBank Structure Conference

Chicago, ILMay 8, 2014

R E G U L A T I O N

Rethinking the Aims of Prudential Regulation

B D

FEATURE

(continued on Page 12)

Among the q u e s t i o n s posed by the organizers of the 50th An-nual Confer-ence on Bank

Structure and Competition is how the “regulatory-supervisory framework has fundamentally changed.” To an-swer that question, Federal Reserve Governor Daniel K. Tarullo, who oversees regulations, offered two an-swers. First, he said, “the aims and scope of prudential regulation have been fundamentally redefi ned since the fi nancial crisis...signifi cantly, a concern with fi nancial stability and an increased emphasis on macropruden-tial regulation have informed major changes in both banking law and su-pervision.” Second, he explained, and to which he devoted most of his re-marks, “is the idea that that the aims of prudential regulation for traditional banking organizations should vary ac-cording to the size, scope, and range of activities of the organizations.” He said, “once we have specifi ed the regulatory aims for a particular type of fi nancial institution, we can more effectively rationalize and, as appro-priate, differentiate the rules and re-quirements to be applied to each kind of institution.” Tarullo’s remarks in this column will focus on the topics of “specifying regulatory aims” and “rationalizing the regulatory framework” for community banks. To read his full remarks, visit: www.federalreserve.gov/newsevents/speech/ta-rullo20140508a.htm. Tarullo said, “ the regulatory aims for the very largest banking organi-zations and for the small ones are

tomatically subject to more stringent prudential regulations has been set too low. On the other hand, he said, “requirements, such as resolution planning and the quite elaborate re-quirements of our supervisory stress testing process do not seem to me to be necessary for banks between $50 billion and $100 billion in assets.”

For the largest organi-zations, he calls for the paring back of banks’ own contributions to the risk-weighting capital process in favor of the regulator-administered stress tests.

For the largest organizations, he calls for the paring back of banks’ own

F E A T U R E

Page 4 BANKERS DIGEST May 19, 2014

ing Broadway, she served as a private banker and as a vice president in lend-ing. She holds a BBA degree in mar-

keting from The University of Texas at Austin. Kyle Guberna-tor has joined as senior vice presi-dent, real estate department man-ager. He has more than 27 years in the real estate in-

dustry and 17 years managing fi duciary held real estate and farm and ranch assets. He has a BBA degree from The University of Texas of the Permian Ba-sin. He is a TX certifi ed general real estate appraiser, a licensed real estate broker, and serves as the committee chairman for the Texas Bankers Associ-ation’s Asset Management Task Force. David Schreiber has joined as as-sistant vice president, portfolio man-ager in private banking. He has more than 10 years of banking experience as a commercial credit analyst and as a relationship manager. He has a BSBA degree in fi nance from Western New England College in Springfi eld, MA Q

Broadway Bank in San Antonio has reported that John Wood has been named senior vice president, pro-

cess improvement coordinator. He joined Broadway in 2007, making process improve-ment a daily fo-cus. Prior to join-ing Broadway, he worked as a busi-ness analyst for the Department of

Family Protective Services in Austin and also served 21 years in the U.S. Navy. He earned a BS degree in com-puter information systems, an MBA

degree from Saint Leo University, and is a certifi ed Lean/Six Sigma Master Black Belt. Michelle Pair has been promot-ed to senior vice president, private banker IV. She joined Broadway

in 2008 and has more than 18 years of banking experience. Prior to join-

P E O P L E TEXAS

Broadway Bank Ups Wood and Pair to SVP, Names Gubernator SVP and Schreiber AVP

Wood

The Women’s Re-source of Greater Houston, a non-profi t organization providing free fi -nancial education to local women and girls, named four honorees for its 2014 Out-standing Women in Banking and Financial Services award. They are Julie Cripe, presi-dent, Bank of the Ozarks, South Texas division; Valerie Gibbs, Houston region president, Bank of Texas; Debbie Gibson, executive vice president, personal trust, Amegy Bank; and Susan Hill, senior managing direc-tor, HFF. First presented in 2009 and given every fi ve years, the award, “recognizes the skill, savvy and expertise of Hous-ton women who have made consid-erable contribu-tions and achieve-ment in banking and fi nancial ser-vices.” Q

Women in Banking Honored

Post Oak Bank, N. A., Houston has re-ported that Darryl Rajabi has joined as a senior vice president of lending at the Galleria offi ce at 2000 W. Loop S., Ste. 100. He previously served more than eight years as a commercial lender with Metro Bank in Houston. The bank has also reported that Griff Bandy, principal with commercial real estate fi rm NAI Houston, has joined the advisory board of directors Q

Pair

Gubernator

Post Oak Bank Taps Rajabi SVP, Bandy Advisory Director

Cripe

Gibbs

Gibson

Hill

May 19, 2014 BANKERS DIGEST Page 5

John D’Angelo, Investar Bank president/CEO, has announced that Chris Hufft has joined as EVP and chief account-ing offi cer for the $635 million-asset Baton Rouge-based bank. Hufft's duties will include devel-oping, communi-cating, and moni-toring all fi nancial aspects of the bank's overall strategic plan, including public and regulatory reporting. In addition, he will focus on investor relations and M&A. Hufft joins Investar with more than 19 years of accounting experience, most recently as VP of accounting for NASDAQ-listed Amedisys Inc., Baton Rouge. He also previously worked at Deloitte & Touche as an audit manager. He is a CPA and earned a bachelor's degree in accounting from LSU Q

P E O P L E

Arvest Bank, Rogers, has announced that Kelly Carlson and Brent Gautierhave been named assistant vice presi-dent in Benton County. Both currently are commercial bankers. Carlson fi rst joined Arvest as a commercial loan assistant in 2008. He was promoted to credit analyst in 2010 and to commercial banker in 2012. He earned a BBA degree in mar-keting from Harding University in 2004 and an MBA degree from Harding Uni-versity in 2011. He is also a graduate of the ABA National and Graduate Commercial Lending School at SMU in Dallas, TX. Carlson is actively involved with Northwest Arkansas Emerging Lead-ers and the Boys and Girls Club golf tournament committee. Gautier joined Arvest in 2005 as a credit analyst. He was promoted to commercial banker in 2012. He earned a BS degree in accounting from the University of Central Arkansas in 2002

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ARKANSAS LOUISIANAArvest Ups Carlson, Gautier To Assistant VP, Benton Co

and an MBA degree from the Univer-sity of Central Arkansas in 2003. He is also a graduate of the ABA National Commercial Lending School at SMU in Dallas. Gautier is active in the Northwest Arkansas Emerging Leaders and with the United Way of Northwest Arkansas Q

Hufft Joins Investar as EVP/Chief Accountant

Hufft

LBA DIRECTORS (continued from Page 1)

Claire Benoit, president/CEO of Rayne Building and Loan; Northwest Region Representative, Dan Caldwell, presi-dent/CEO of Citizens Bank and Trust in Vivian; Capitol Region Representa-tive, Joseph F. Quinlan III, president/CEO of First National Bankers Bank in Baton Rouge; Central Region Rep-resentative, A. J. Roy III, president/CEO of The Cottonport Bank; Acadi-ana Region Representative, K. Brent Vidrine, chairman and president/CEO of Bank of Sunset and Trust Co; North-east Region Representative, Michael Woods, president/CEO of Winnsboro State Bank; and LBA CEO Robert T. Taylor Q

Page 6 BANKERS DIGEST May 19, 2014

Michael S. Sheneman has joined Tucson-based Commerce Bank of

Arizona as chief fi nancial offi cer. He is based at the Scottsdale Finan-cial Center at 4110 N. Scottsdale Rd., Ste. 120. Sheneman, a CPA, most recent-ly served for two years as CFO with

First National Bank of Scottsdale and earlier served for more than four years as CFO with Bank 1440, Phoenix. He is an AZ State University graduate Q

Arvest Bank, Oklahoma City, has an-nounced the promotion of Brook

Durham to senior vice president. He serves as regional branch adminis-trator for locations in the Oklahoma City Metro market. Durham will oversee a total of 15 branches in Edmond (5), Okla-

homa City (8), and Norman (2). He is a graduate of the University of Oklahoma and the Barrett Graduate School of Banking in Memphis, TN Q

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OKLAHOMAHenry Promoted to AVP, The First State in Oklahoma CityThe First State Bank, Oklahoma City, has announced the promotion of Jus-tin Henry to assistant vice president, commercial and consumer lending. He will lead the bank’s SBA loan pro-gram focusing on Express and Patriot Express for Veterans. Henry earned a BBA degree in fi -nance from Cameron University. Prior to joining The First State Bank, he worked for Merrill Lynch in the Global Wealth Management Training program and was also an outside sales rep for a marketing company. He is a member of the Midwest City Rotary and Ducks Unlimited OKC, and volunteers at the American Diabetes Association Q

Durham Upped to SVP, Arvest in Oklahoma City

Durham

ARIZONASheneman Joins Commerce Bank of Arizona as CFO

N E W S W A T C H RCB Holding in Claremore Completes Spirit Branch Buy

Sheneman

On May 12 RCB Holding Company Inc., Claremore, acquired seven branches from Spirit BankCorp Inc., Tulsa. Spirit

BankCorp is an $831 million fi nancial holding company which operates Spir-itBank. RCB Holding operates $2.1 bil-

lion RCB Bank, Claremore. Investment banking fi rm Commerce Street Capital LLC, Dallas, TX, acted as fi nancial advisor to Spirit BankCorp Q

May 19, 2014 BANKERS DIGEST Page 7

N E W S W A T C H TEXAS

Green Bancorp, Houston, to Acquire SP Bancorp, Plano Simmons to Buy Community First Bancshares in TN

ARKANSAS

Green Bancorp Inc., Houston, the par-ent holding company of Green Bank, N. A., Houston, has entered into a de-finitive agreement and plan of merger to acquire SP Bancorp Inc., the NAS-DAQ: SPBC-listed parent holding company of SharePlus Bank, for $46.2 million in cash, or $29.55 per share, subject to potential adjustment as set forth in the merger agreement. The transaction has been unani-mously approved by the boards of directors of both companies. Subject to necessary conditions and approv-als, the sale is expected to close in the third quarter of 2014. On December 31, 2013, Green Bank had $1.7 billion in total assets and $1.45 billion in total deposits. On the same date, SharePlus Bank had $304 million in total assets and $261 mil-lion in total deposits. The combined banking operation will have 16 locations operating as Green Bank. The merger will bring to-

gether Green Bank’s offices in Dallas (4), Houston (7), and Austin (1) with SharePlus Bank’s Dallas-area branch-es (3) and Louisville, KY, location (1). SharePlus was founded as a credit union in 1958 and became a publicly traded entity in 2010. In December 2013, SharePlus Bank converted its federal thrift charter to a state char-tered bank. SharePlus is known for its consumer banking customer service, mortgage lending, and commercial lending. Green Bancorp Inc. began opera-tions on December 31, 2006, with the acquisition of Redstone Bank in Houston. In 2007, the bank changed its name to Green Bank. In 2010, the holding company completed a $100 million capital raise. In 2010, the bank acquired La Jolla Bank’s Dallas retail banking office in Preston Center and open a commercial LPO. In 2012, the bank acquired Opportunity Bank in Richardson Q

Simmons First National Corpora-tion announced May 6 that it has en-tered into a definitive agreement and plan of merger with Community First Bancshares Inc. (“Community First”), Union City, TN, including its wholly-owned bank subsidiary, First State Bank (“First State”). This is Simmons first entry into the Volunteer State. Simmons will acquire Community First in a stock-for-stock transaction valued at approximately $243.4 mil-lion. Community First, with $1.9 bil-lion in assets, $1.1 billion in loans, and $1.6 billion in deposits, is the fifth largest bank based in TN by deposits. The bank operates 32 financial centers stretching from Memphis in the west to Nashville and Knoxville in the east, where it has experienced strong loan growth. In addition, the bank has re-ported strong noninterest income. The newly acquired First State bank-

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Page 8 BANKERS DIGEST May 19, 2014

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ing locations will continue to operate under the First State name for some time, said Simmons Chairman/CEO George Makris Jr. Completion of the transaction is expected in the fourth quarter of 2014 and is subject to necessary conditions and approvals. Simmons First National Corporation is a $4.4 billion fi nancial holding compa-ny conducting fi nancial operations in AR (88 branches), KS (nine branches), and MO (nine branches). Simmons has a pending in-state AR acquisition of $431 million-asset Delta Bank & Trust, with corporate offi ces in Little Rock, expected to close in the third quarter of 2014 Q

SIMMONS (continued from Page 7)

SNL Financial LC, Charlottesville, VA, recently announced its 100 top-performing banks of 2013 with assets between $500 million and $5 billion. Twenty-four Southwest banks in the Bankers Digest coverage area made the list, 16 from TX, three each from OK and LA, and two from AR. The state of TX had two of the top four banks: number 3 – Corsicana-based Com-munity National Bank & Trust of Texas and number 4 – Clera Bank, Graham. Visit www.snl.com for commentary and an explanation of how the rankings (scoring metrics) were compiled. The top 100 banks were selected from a pool of 784 banks that were eligible.

Twenty-Four Southwest Banks on SNL’s Top-Performing Banks Between $500M and $5B The following is a list by state of the banks, ranking number, and total as-set size as of December 31, 2013.Arkansas• First paragould Bankshares inc., Paragould, #71, $745 million• Farmers and Merchants Bank-shares Inc., Stuttgart, #74, $655 millionLouisiana• Financial Corp. of Louisiana, Crowley, #68, $632 million• Jeff davis Bancshares inc., Jen-nings, #88, $732 million• resource Bank, Covington, #91, $509 millionOklahoma• great plains national Bank, elk

City, #8, $539 million• ironhorse Financial group inc., Muskogee, #64, $1.080 billion• Quail Creek Bank, na, Oklahoma City, #65, $541 millionTexas• Community national Bank & Trust of Texas, Corsicana, #3, $501 million• Clera Bank, graham, #4, $502 million• Security Star Bancshares inc., Midland, #9, $810 million• Weststar Bank Holding Co. inc., el Paso, #14, $1.042 billion• Olney Bancshares of Texas inc., Olney, #20, $2.165 billion• BOH Holdings inc., Houston, #27, $924 million• Lone Star State Bank of West Tex-as, Lubbock, #33, $553 million• aFnB Holdings inc., Houston, #38, $946 million• icon Bank of Texas na, Houston, #52, $539 million• allegiance Bank Texas, Houston, #55, $1.166 billion• newFirst national Bank, el Cam-po, #57, $539 million• independent Bank group inc., McKinney, #69, $2.164 billion• First-West Texas Bancshares inc., Midland, #76, $916 million• inwood Bancshares inc., dallas, #79, $1.569 billion• post Oak Bancshares inc., Hous-ton, #85, $773 million• american Bank Holding Corp., Corpus Christi, #89, $1.205 billion Q

May 19, 2014 BANKERS DIGEST Page 9

R E G U L A T O R S

C h a r t e r

a c t i v i t y

ArkansasCHARTERS The ARKANSAS STATE BANKING DEPARTMENT has filed an applica-tion by Benefit Bank, Fort Smith, to convert to a state bank charter to be known as Benefit Bank.BRANCHES The ARSBD has approved an ap-plication by Today’s Bank, Huntsville, for a branch at 2971 N. College Ave., Fayetteville. The ARSBD has approved an ap-plication by Arvest Bank, Fayetteville, to relocate a branch from 650 S. Street to 1627 Hwy. 62 W., Mountain Home. The FEDERAL RESERVE BANK OF ATLANTA has received an application by Regions Bank, Birmingham, AL, for a branch at 17615 Chenal Parkway, Little Rock.MERGERS AND ACQUISITIONS The ARSBD has approved an ap-plication by Bank of the Ozarks, Little Rock, to merge with Summit Bank, Arkadelphia. The department has is-sued a preliminary approval for an ap-plication by Bank of the Ozarks Inc., Little Rock, to merge with Summit Bancorp Inc., Arkadelphia. The FRB OF ST. LOUIS has re-ceived an application by Simmons First National Corporation, Pine Bluff, to acquire Delta Trust & Banking Cor-poration, Little Rock, and thereby in-directly acquire Delta Trust & Bank, Parkdale. The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has ap-proved an application by Simmons First National Bank, Pine Bluff, for a business combination/affiliate merger with Simmons First Bank of Searcy; Simmons First Bank of Northeast Ar-kansas, Jonesboro; and Simmons First Bank of Hot Springs, with the resul-tant institution Simmons First Na-tional Bank, Pine Bluff.LouisianaBRANCHES The FRB OF ATLANTA has received an application by Regions Bank, Bir-

mingham, AL, for a branch at the in-tersection of Tchoupitoulas St. and Jefferson Ave., New Orleans.NAME CHANGE The OFFICE OF FINANCIAL INSTI-TUTIONS has reported an application by West Carroll Community Bank, Oak Grove, to change its name to Com-merce Community Bank was effective December 31, 2013.OklahomaMERERS AND ACQUISITIONS The FRB OF KANSAS CITY has received a change-in-control notifica-tion submitted by Tommy D. Craig-head, Norman, as trustee of the TCC & BJC Trusts No. 1 through 7, Ardmore, to acquire control of Citizens Com-merce Corporation, parent of Citizens Bank & Trust Company of Ardmore, both in Ardmore.TexasBRANCHES The FRB OF DALLAS has received an application by United Texas Bank, Dallas, for a branch at 13101 Preston Rd., Ste. 100, Dallas. The OCC has approved an applica-tion by Golden Bank, N. A., Houston, to relocate a branch from 301 W. Ter-race, Ste. 305, to 301 S. Central Exp-wy., Richardson. The OCC has approved an applica-tion by Wells Fargo Bank, N. A., Sioux Falls, SD, for a branch from 300 W. 1st St., Arlington.

The OCC has received an applica-tion by Texas Capital Bank, N. A., Dallas, to relocate a branch from 570 Throckmorton St. to 300 Throckmor-ton St., Ste. 100, Fort Worth. The FRB OF ATLANTA has re-ceived applications by Regions Bank, Birmingham, AL, for branches: at the intersection of West 7th St. and Uni-versity Dr., to be known as the Fort Worth Main Branch; and at the inter-section of West Lake Houston Park-way and Magnolia Cove (Kings Harbor Development), Kingwood. The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by American Bank of Texas, Sher-man, for a branch relocation from 6071 Sherry Ln. to 8201 Preston Rd., Ste. 265, Dallas. The TXDB has received an applica-tion by First Community Bank, Corpus Christi, for a branch at 1629 Hwy. 35 N., Rockport. MERGERS AND ACQUISITIONS The FRB OF DALLAS has received a retroactive change-in-control notice by Edward E. Hartline, Houston, as trustee of the Carolyn J. Young 2012 Trust, to control greater than 25% of the shares of Central Bancshares Inc. and indirectly, Central Bank, both of Houston. The TXDB has reported an appli-cation by Fidelity Bank, Wichita Falls, to merge with First National Bank of Byers, Byers, was effective April 25 Q

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SERVICES

AUDIT OUTSOURCING. We provide audit services for Compliance, ACH, BSA and internal controls. Over 25

years banking experience, AAP ac-credited and ICBA certified. Contact Frances Ramsey at 903-241-6717 or email frances@fhhconsulting.com

POSITION WANTED

Senior Banking Executive seeking COMMERCIAL LENDING AND/OR MANAGEMENT POSITION. Experi-ence includes commercial lending, business development, executive management, credit administration, etc. Willing to relocate from OKC. Contact: Bruce Loeffelholz, 405-613-9988, BruceLoe97@aol.com

POSITIONS AVAILABLE

MARKET PRESIDENT FOR SOUTH TEXAS. Must have operations and lending experience. Will consider someone out of the area. Send re-sume to Sharon@babich.com or call 972-802-7638 or 469-223-9885 for additional information.

COO/SR. BANKING OPERATIONS. Small community bank is looking to expand its management team. Please call 214-823-9999, Kevin@Babich.com

COMMERCIAL LENDER needed 5-10 years experience in Oklahoma City/Tulsa. Fast-growing, community bank offering a stable, long term career for the right candidate. Call Elizabeth at 214-823-9999 x309 or send resume to Elizabeth@babich.com, www.babich.com.

LONE STAR SEARCH: Executive Search and Placement for South-west Banks and Bankers. Mark Mitchell, 972-335-9009, www.lon-estarsearch.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 di-gest@bank ersdigest.com, subject line Box D-5.

HAPPY STATE BANK, a $2.5 billion bank in West Texas, is seeking a COMMERCIAL LENDER in the Tex-as Panhandle. Ideal candidates will

have a four-year college degree in accounting, finance or a business-related field with a minimum of 3 years commercial and/or agricul-tural lending experience. Strong communication and interpersonal skills are a must. Please complete an application and submit a resume at www.happybank.com.

LOAN OFFICER wanted for a 125 year old growing and successful community bank in North Central Texas. The successful candidate will not only be committed to the community and its future, but also to providing the highest quality of personal friendly banking services to our customers. College degree and minimum of 2 to 5 years lending experience required. Competitive salary, 401k plan, group insurance, bonus and incentive plan. For the chance to join our team, please sub-mit resume to bankersdigest@bank-ersdigest.com, subject line Box A-4.

CHIEF FINANCIAL OFFICER wanted for a 125-year-old growing and suc-cessful community bank in North Central Texas. Requires 5+ years of banking experience including man-agement of accounting staff and regulatory reporting. Competitive salary commensurate with experi-ence, 401k plan, group insurance, and bonus plan. For a chance to join our team, please submit resume to bankersdigest@bankersdigest.com, subject line Box A-5.

South/Central TX bank seeks a COM-PLIANCE OFFICER. Three to five years experience required. CRCM preferred but not required. Please submit resume and salary require-ments to: r.robledo@csbsa.com

BRANCH PRESIDENT – Tarrant County-based, Worthington National Bank seeks a PRESIDENT for a new location in West Fort Worth. This po-sition will be responsible for man-aging the location and staff includ-ing lending staff. The individual will also be responsible for originating and servicing loans. Requirements include 15 years of experience in commercial, commercial real es-

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Your Source For Banking Human Resources Assistance

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May 19, 2014 BANKERS DIGEST Page 11

tate, and consumer lending. Must also have experience in regulatory compliance in these areas. Prior credit analysis training is a must. Please submit resume to careers@worthingtonbank.com

First Bank & Trust Co. is seeking a CONTROLLER. Bachelor’s Degree in accounting, finance or related field. 3+ years supervisory, account-ing/business experience required. Full time, excellent benefits pack-age. See our website for full job de-scription www.fb247.com Apply in person at 1015 West Main, Duncan, OK, or send application to Human Resources, P.O. Box 580, Duncan, OK 73534. EOE M/F/Vets/Disability.

AimBank is seeking an experienced COMMERCIAL /AGRICULTURE LENDING OFFICER for the Texas Panhandle region of West Texas. Applicant must have a bachelor’s degree and two years of lending or credit analysis experience with strong communication and interper-sonal skills. This is an excellent op-portunity to join a fast growing bank with great benefits. Please send your resume and cover letter to cwal-drop@aimbankonline.com

BANK MANAGER IN ROCKPORT, TEXAS: Do you like to fish, hunt, golf, or relax at the beach? Rock-port is the location just for you on the Texas Gulf Coast. First Commu-nity Bank, Corpus Christi, TX is look-ing for a BANK MANAGER for our newest branch in Rockport, Texas creating a total of 9 branches. First Community Bank is a $360M finan-cial institution that continues to expand into thriving markets. Pre-ferred requirements include 5 years of experience in bank management with a background of consumer and commercial loan underwriting. The Bank offers competitive salary and benefits to qualified candidates. Send resume and salary require-ments to jharris@fcbot.com. EOE.

First Community Bank seeks COM-MERCIAL LOAN OFFICERS. We are a $360mm community bank with 9 branches in Corpus Christi and the

surrounding areas. We are look-ing for individuals with a significant level of community bank experience in the Corpus Christi, Victoria, and Rockport areas. 3+ years in com-mercial, consumer, and real estate lending experience and strong cred-it and management skills required. Individual must also possess strong business development skills. Com-petitive salary and benefits. Send resume and salary requirements to jharris@fcbot.com EOE.

Multi-state financial institution based in DFW is seeking a DIREC-TOR OF HUMAN RESOURCES who will lead the HR function and part-ner with leadership and manage-ment to ensure that HR programs are implemented, while having the strategic vision to develop new ini-tiatives that are beneficial to the company and employees. Candi-dates should have 7+ years of hu-man resource generalist experi-ence. Experience in the banking/finance industry preferred. Please send your resume and cover letter to bankersdigest@bankersdigest.com, subject line Box M-1.

South Texas Bank has positions available for Lending & Opera-TION OFFICERS. Send resume to jeromes@jsbbank.com

First State Bank in Gainesville is seeking RELATIONSHIP BASED LENDER. Position would be in a thriving branch with an opportunity to develop into a Branch Manager position. Seeking well qualified can-didates with 5+ years lending experi-ence, ag lending a plus. Candidate needs to have strong credit and un-derwriting skills as well as business development skills for this locally owned community bank located in North Central Texas. Competitive salary commensurate with experi-ence; outstanding benefits included. Please submit resume and salary expectations in confidence to Susan Howe at susan.howe@f-s-b.com

EQUIPMENT

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

FULLY OPERATIONAL BRANCH BANK available. Located on U.S. Highway 380 in Little Elm, Texas. Contact: jcaudle@ftnb.net

COMMERCIAL LENDER: Growing $1 billion plus bank is seeking a community-oriented Commercial Lender for the Austin area. This posi-tion is responsible for originating, servicing and collecting loans, and developing excellent customer relationships. Fantastic opportunity for an enthusiastic lender looking to expand a career with a growing community bank! Reports to Chris Logue, Central Texas Area President. Successful candidate will have previous bank experience in lending and regulatory compliance. Competitive salary and benefits. For more information about our bank go to www.nstarbank.com.

Send resume to Jwilliams@nstarbank.com. EOE

American Banker's “Best Banks to Work For,” 2013Texas Monthly Magazine, “Best Places to Work for in Texas,” 2014

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contributions to the risk-weighting capital process in favor of the regula-tor-administered stress tests. For roughly 5,700 banks defi ned as community banks, he said the regula-tory aim is the “traditional micropru-dential bank regulatory aims of pro-tecting the federal DIF and limiting the use of insured deposits by restrict-ing the scope of bank activities.” For community banks, Tarullo says the “regulatory aim needs to be imple-mented with an eye to the context in

which community banks operate: any regulatory requirement is likely to be disportionately costly since the fi xed costs associated with compliance must be spread over a smaller base of assets, and the business model of community banks, i.e., relationship banking. Tarullo suggests it would be worth-while to have a policy discussion of statues that might be amended ex-plicitly to exclude community banks, e.g., the Volcker rule and the incentive compensation requirements in sec-tion 956 of Dodd-Frank. He believes

FEATURE (continued from Page 3) “relieving both banks and supervisors of the need to focus on formal compli-ance with a range of regulations less relevant to community bank practice would free them to focus on the actu-al problems that may exist at smaller banks.” Tarullo concluded his remarks by saying he tried “to suggest that an ex-plicit effort to specify relevant aims as they pertain to different kinds of banking organizations can provide a basis for rationalizing applicable regulatory frameworks–sometimes by paring back or foregoing regulation for certain kinds of fi rms, and some-times by adding a regulatory measure where the relevant aim has not been adequately promoted by existing measure." Daniel K. Tarullo has served on the Federal Reserve System Board of Governors since January 28, 2009. Pri-or to his appointment, he was a pro-fessor of law at Georgetown University Law Center. He previously held senior positions in the Clinton Administra-tion, practiced law in Washingon, DC, worked in the Department of Justice, and taught at Harvard University Law School. In his capacity on the Feder-al Reserve Board as point person for regulation, he has frequently testifi ed before Congressional committees on the Fed’s activities in mitigating sys-temic risk and the implementation of Dodd-Frank Act Q

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