June 16, 2011

Volume 67, Number 9 • THE NEWSPAPER OF THE MISSOURI BANKERS ASSOCIATION • Thursday, June 16, 2011

The Missouri Banker

Visit our web site at http://www.mobankers.com

Harlin, Littlefield, Robb installed for 2011-12

Nash receives Chairman’s Award from Klebba

Retiring MBA Chairman John Klebba, left, presents the 2011 MBA Chairman’s Award to MBA General Counsel Wade L. Nash.

MBA General Counsel Wade L. Nash is the recipient of the 2011 MBA Chairman’s Award, the highest honor the MBA can bestow on someone who has had a positive impact on the banking industry. In making the presentation, Klebba said the person he chose to recognize began working in the banking industry when he was young and “impressionable.” Klebba pointed out that Nash was young, but not impressionable ... he made impressions. “However, with youth comes optimism and energy ... and when those characteristics are combined with an astounding work ethic, we should not have been surprised by the quantity and quality of work Nash produced on behalf of the banking industry,” Klebba said. Nash’s career spans almost four decades, and by all accounts there is not one single section in banking law in Missouri that Nash

has not written or rewritten. Klebba noted that Nash is planning to retire at the end of 2011, and will be honored at the Executive Management Conference in St. Louis, Dec. 7 to 9.

About to be installed are members of the 2011 Executive Committee and their wives. From left they are MBA Treasurer Dan Robb, Jonesburg State Bank, and his wife, Diana; MBA Chairman-Elect Ken Littlefield, Central Trust Bank, Jefferson City, and his wife, Ann; and MBA Chairman Chris Harlin, Century Bank of the Ozarks, Gainesville, and his wife, Missy.

Chris Harlin, Century Bank of the Ozarks, Gainesville, was elected and installed as chairman of the MBA at the 2011 Annual Convention last week in Branson. Ken Littlefield, Central Trust Bank, Jefferson City, was elected chairman-elect. Dan Robb, Jonesburg State Bank, was installed as treasurer. He was appointed to the post by Harlin. Also serving on the MBA Board for 2011-2012 are: William Cassity, Jr., Rushville State Bank, and James G. Robinson, Nodaway Valley Bank, St. Jospeh, regional directors for the Pony Express Region. Mark A. Goodin, Community State Bank of Missouri Bowling Green, and David Tribble, Farmers Bank of Northern Missouri, N.A., Unionville, regional directors for the Mark Twain Region. Thomas R. Page, Pony Express Bank, Liberty, and Gregory D. Hall, Concordia Bank, Concordia, regional directors for the Truman Region.

See NEW BOARD, Page 3

Page 2 The Missouri Banker June 16, 2011

Address changes Changes in addresses for The Missouri Banker can be mailed to the MBA at P.O. Box 57, Jefferson City, MO 65102, Attn: Database Manager or e-mailed to [email protected]

The Missouri Banker573-636-8151

Max CookPublisher

[email protected]

William O. RatliffManaging Editor

[email protected]

Sue NorfleetEditor

[email protected]

The Missouri Banker (USPS Number 000044, ISSN Number 0893-5637) is published 18 times a year (1 issue in January, March, June, July, November and December; 2 issues in February, April, May, August, September and October) by the Missouri Bankers Association, 207 E. Capitol Ave., Jefferson City, MO 65101. Second-class postage is paid at Jefferson City, Mo. Copyright© 1998 by the Missouri Bankers Association. All rights reserved. POSTMASTER: Send address changes to The Missouri Banker, P.O. Box 57, Jefferson City, MO 65102. Opinions expressed in any signed article in The Missouri Banker are those of the author and should not be construed as the viewpoint of the editors or of the Missouri Bankers Association. Neither should information provided in The Missouri Banker be construed as legal advice. The Missouri Banker does not provide legal advice, nor does it take the place of legal counsel hired by financial institutions. While this publication makes a reasonable effort to establish the integrity of advertisers, it does not endorse advertised products or services, unless otherwise so stated. This issue may contain legislative advertising. Advertising copy is generally segregated from news and other information.

Chairman’s Corner

Chris HarlinChairmanMissouri Bankers Association

Banking just ain’t that fun anymore. How many of you have spoken those words in the past few years? I know I certainly have. Recent years

have brought us the “great” recession, a housing bust, government ownership in some of the larger banks, extreme regulatory backlash with Dodd-Frank and the CFPB, bank failures, anti-bank sentiment, and the list goes on and on. So maybe we should just give up because it ain’t like it used to be and isn’t fun anymore. But wait a minute, just when were these good old days? In the past 50 years or so we have had an Ag and oil crisis, savings and loan crisis, prime rate over 20 percent, interstate banking battles, regulations like truth and lending etc. etc. The industry has dealt with these tough times in the past and we have survived. Ed Yingling, former ABA CEO, said at the convention last October, “There’s a reason to be optimistic because, despite all the tough fights and tough times, our industry has always emerged from the darkness and prospered. We will do so again.” I tend to agree with Ed. Now let’s go back to the thrilling days of yesteryear. The first convention of the MBA was held in Lebanon in 1891. I looked over the minutes from that first convention and I found a few nuggets that I think can be applied to today’s banking world. As the meeting convened, John Wallace addressed the crowd and stated the following: (And remember this is 1891.) “It is an impossibility to conduct business now as it was conducted 50 or 100 years ago, space has almost

been annihilated and we have been brought face to face with the remotest ends of the earth and the islands of the sea by the wires and cables laid. Civilization has been accelerated a thousand fold by them, and they are now ministering to our wants in manifold ways.” Wallace went on to say “Probably never in the history of the world has there existed a safer and more stable banking system than we have had for the last 25 years, although many of our wise and intelligent men are in favor of making radical changes in this system.” Sound familiar? A few of the early objectives of the MBA were as follows:1. The bringing together

of the bankers of our state, thereby forming friendship and good feeling.

2. By the consideration of subjects pertaining to our business we can remedy many evils.

3. By uniting our voices and proclaiming our views, and sending petitions to our government we can have a hearing as to what will constitute the circulating medium of our country.

So, after 120 years. maybe things haven’t changed all that much. Hanging in a place of honor in the men’s room at the MBA office is a photo of an early MBA meeting in 1913. The photo has significance to me because my great-grandfather is in it, as is his brother and my great-great-uncle. There are

probably many more in the room with ties to that photo. These guys here had no idea what was about to happen to them. In that year, Congress ratified the 16th Amendment (Federal Income Taxes) and Federal Reserve Act. A few years later came the great depression, temporary forced closure of every bank in the country, and of course the formation of FDIC, which ushered in more modern regulations. We could go on and on, but my point is that even after those disasters and major regulatory changes banking prospered. Throughout most of the 20th Century bank backroom operations were manual. Checking accounts were posted daily on posting machines and the general ledger and daily statements were posted by hand. And who wants to go back to manually producing and stuffing statements? Until the 1970’s Missouri’s Usury law was much more restrictive and dictated rates that could be charged. Also during this time Reg Q restricted rates that could be paid on CDs. Not exactly a free market. Now, on to the fun and wonderful good old days of the 80s and early 90s. On a somewhat regular basis at the bank, the younger guys would have to listen to the “horror stories of the 80’s.” Dad would say, “It was October of 1984, no wait, 1985, no I think it was in the spring of 84.” And Bill and Corey and I would roll our eyes and think, who cares, ancient history. Well guess what I am going to be

saying in few years, “it was February of 2009, no wait it was the fall and some young brat is going to be rolling his or her eyes at me. The eighties and early nineties brought us thousands of bank closures, regulatory burden, soaring interest rates and inflation. After that difficult period most would agree the banking industry enjoyed some prosperous and stable times. My point is not that everything will be fine if we just wait it out. Of course we need to continue to fight for the banking industry, make trips to Jefferson City and Washington, write letters and tell our story to our representatives in government. But I don’t think community banking is going the way of the dinosaur. For the past 100 plus years we have dealt with major economic and regulatory issues and have landed on our feet. In many cases the industry has actually been stronger and prospered on the other side of the crisis. In conclusion I would like to share a poem that I think best sums up the banking industry and its ability to weather the storm and prosper. You may remember Judge Smales from Caddyshack, AKA Ted Knight, AKA Ted Baxter, read this as he christened his new slew and I think it’s fitting. “It’s easy to grin when your ship comes in and you’ve got the stock market beat, but the man worthwhile is the man who can smile when his shorts are too tight in the seat.”

Where’s the fun in banking?

Page 3The Missouri Banker June 16, 2011

Lobbyist’s Notebook

Bill RatliffExecutive Vice President

Missouri Bankers [email protected]

Please plan to attend the

August 23-25 St. Charles, Missouri

2011

Cost is $199 per attendee for all customer/shareholder banks and only $49 for the special additional session from EPCOR (continuing educations credits will apply)

Reservations:Embassy Suites Hotel St. Louis – St. Charles ($129) Call reservations at 636-946-5544 and give the code of MIB.Reservations deadline: July 24, 2011.

More details will follow. Contact Donna Harden at 573-556-3124 or email her at [email protected] for any further questions.

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I can’t count the number of times bankers at the MBA Annual Convention said to me “Now that the session is over, this must be your slow time.” That’s what I was hoping for, but somehow, it hasn’t happened. If anything, it has gotten busier.

New issues… Since the session ended, Craig and I have been dealing with a slew of new issues that just popped up. For instance…

• Conflicting language between the UCC and Lien law on vehicles that are leased

• Problems with appraisals and when is an “appraisal” an “evaluation”

• Insurance issues and how checks are written when liens are in force

Old issues… We’re in that “middle”

period when bills are passed, but are still being evaluated by the Governor. As we said last year, we have never seen as much scrutiny given to bills by ANY Governor’s staff as we have by the Nixon staff. Case in point, our International ATM bill (HB 83). Since the bill passed, we’ve been contacted by the Governor’s staff asking us:

• How much will banks’ charge foreign non-customers? (Same as regular non-customers)

• How much will banks’ make on this fee? (Pure guess: Maybe $200,000 total per year)

• How many states have passed similar law? (At least 20)

• What states have passed this? (Provided list of states)

All this for a bill that will

not cost any Missourian (or U.S. citizen) one dollar! We can just imagine the detail they are going into on some really complicated bills.Convention… I hope you enjoyed this year’s MBA Convention. We’ve sent out evaluation forms and we need your feedback. Overall, I think everyone really liked the Hilton Branson Landing location. Judging from the size of our breakout sessions, I think there was a lot of work as well as play done during the week. Let us know if you have suggestions, we value your comments.Joplin … Bankers continue to send

money to help with Joplin’s disaster relief. We’re working on a special feature for the July issue of The Missouri Banker on how it impacted banks in the area. If you have stories or photos, let me or Sue Norfleet know at [email protected] or [email protected].

A little over a week ago, Craig and I spent the afternoon with Attorney General Chris Koster and about thirty other people representing big banks, insurance and regulators to discuss how more help can be given to people in Joplin.

The focus was on financial assistance and after a several hours of discussion, the conclusion was to simply

urge people to contact their lender as soon as possible because that is the catalyst that gets virtually all other forms of assistance started.Communications … We are now in the process of re-formatting our MBA communications pieces. Starting this week, you will be getting two e-mail newsletters a week, on Tuesday and Thursday. At the same time, we are reducing The Missouri Banker to a once-a-month publication. We hope you will like the changes, and will find the information not only timely, but interesting as well. Welcome to the slow time….

Slow time? What slow time?

Barry Randolph, Wood and Huston Bank, Marshall, and Wm. Thomas Murray, First State Bank of St. Robert, regional directors for the Captial Region. Bradley R. Purcell, Commercial Bank, St. Louis, and David P. Minton, Heartland Bank, Clayton, regional directors for the Gateway Region. Glen B. Williams, Security Bank of the Ozarks, Eminence, and Brad Gregory Bank of Bolivar, regional directors for the Ozark Region. Greg A. Steffens, Southern Bank, Poplar Bluff, and Richard K. Hanneken, MRV Banks, Ste. Genevieve, regional directors for the River Heritage Region. At-large directors will be Peter Benoist, Enterprise Bank and Trust, Clayton; Douglas A. Doll, Arvest Bank, Joplin; Thomas B. Fitzsimmons, Metcalf Bank, Lee’s Summit; and Kevin D. Gibbens, Landrum Company, Columbia. Also serving on the MBA Board will be Rob Barrett, Heritage State Bank, Nevada, as Government Relations Committee chairman, and Jay Nowak, Bank of Washington, as the Young Bankers Division advisory member.

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Message from the President

Max CookPresidentMissouri Bankers [email protected]

Checks and balances are important. Without them power becomes concentrated and abused. Banks are perhaps the most heavily regulated businesses in America. Bank regulators have enormous power. Perhaps that is because there are few if any checks and balances on their power. As an advocate for the banking industry for many years, I have been troubled by what I see in our regulatory system. Regulators hold all the cards, from the smallest operational details to the very survival of a bank. Banks are sworn to secrecy and as such each bank is on an island, relatively powerless to fight back. Most banks have determined that fighting with their regulator is futile and foolish. But there are times when a fight, and the balance it would provide is needed, not just for the bank, but also for the communities they serve and the economy in general. To that end, the Alliance of State Bankers Associations has created a

tool that will hopefully lead to some balance and accountability. We call it the “Regulatory Feedback Initiative”. The tool consists of a confidential electronic platform where banks can anonymously provide details on their most recent examination or visitation. The information will be aggregated and analyzed on a national level so we can begin to identify discrepancies in how bank regulations are being enforced. These discrepancies could exist between different bank agencies, different geographic regions, or between different examiners within the same agency. The timing of this initiative will be critical considering the avalanche of new regulations that will be enforced for the first time in the coming months. Additionally, member banks will be able to request a report from the MBA that summarizes the feedback of similarly situated banks to help them prepare for an upcoming exam. The goal is to avoid surprises, and if they occur, identify inconsistencies. Finally, bank advocates like me will be armed with a statistically

significant amount of hard data as we promote a better environment for our members. This data will be used to make our case with the regulators as well as members of Congress and the administration. Everyone will have enough information to know whether a member bank is receiving unfair treatment or appropriate and consistent regulatory scrutiny. The survey is powered by Allegiance, Inc. an independent third party with a reputation and track record of collecting anonymous and protected feedback from bank customers and employees. This will allow banks to shed their isolation without violating confidentiality or exposing themselves competitively. With the help of the ABA and State Bankers Associations throughout the country, this new tool went live on June 1. Banks will be able to access the tool through a link embedded in an email from the MBA. During the roll-out period of June through August, we hope that every bank will provide feedback on their most recent safety and soundness examination

and compliance exam or visitation regardless of when it occurred. After that initial database is built, we will ask banks to use the tool after each future exam or visitation. We have met with representatives of the FDIC, OCC and Federal Reserve, and to their credit they seem to welcome the input. They know their job is getting more difficult and they know their processes are not perfect. We are hopeful that a little transparency will provide some subtle checks and balances in an otherwise one-sided regulatory process. Even a slight shift in this balance could yield significant returns for our local economies and our member banks as we emerge from the recent economic crisis and assimilate the new regulatory challenges in Dodd-Frank. For more information, visit the Alliance web site at www.allbankers.org or contact Carol Barnett at the MBA via email at [email protected] or by calling 573-636-8151.

Time for regulatory transparency

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Retiring Foundation Board members recognized

In photo above: MBA President and CEO Max Cook, left, presents former MBA Chairman S. David Gohn a plaque recognizing his service to the Missouri Bankers Foundation. Gohn who is with West Plains Bank and Trust Co., West Plains, is retiring from the board.

In photo below: Max Cook presents a recognition plaque to Chuck Weber of Central Trust Bank, Jefferson City, for his service on the Missouri Bankers Foundation Board. Weber also is retiring from the board.

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Banking Leadership Missouri class introduced

Members of MBA’s second Banking Leadership Missouri class were introduced to the MBA membership during the Convention Recognition Luncheon on June 9. The class will study various issues over the next 18 months and will complete the class at Executive Management Conference in Kansas City in 2012.

The twenty-five members of the 2011-2012 Banking Leadership Missouri Class were welcomed and introduced at the 2011 Convention last week in Branson. The following bankers will be taking part in MBA’s leadership program: Gregg Bexten, senior vice president, Hawthorn Bank, Jefferson City; Dennis R. Bohnert, president, First State Community Bank, Perryville; Alisa M. Brawley, executive assistant, Belgrade State Bank, Potosi. Thomas M. Coats, senior vice president, Cabool State Bank, Cabool; Dawn E. Dauer, senior vice president, The Bank of Missouri, Cape Girardeau; Kyllie L. Durant, assistant compliance officer, Horizon State Bank, Cameron. Aaron R. Hall, assistant vice president, United Bank of Union; Jeremy A. Hannaford, assistant vice president, Century Bank of the Ozarks, Gainesville; Craig Hedrick, senior vice president, Platte Valley Bank of Missouri, Platte City. David Hill, senior vice president / Adrian branch president, Citizens Bank of Amsterdam, Amsterdam; Mark A. Jenkins, chief operations officer, chief loan officer, Systematic Savings and Loan, Springfield; Cheryl Kendrick, vice president, deposit operations, Central Bank - CTS, Jefferson City. Mike W. Marcink, vice president of operations, United Bank of Union, Union; Stuart Puckett, executive vice president, Arvest Bank, Joplin; Gina Marie Raines, assistant vice president, The Paris National Bank, Paris. Jackie Ralston, vice president, Mainstreet Bank, Ashland; Robin Rees, marketing officer, Peoples Bank of the Ozarks, Nixa; Mark Patrick Richardson, senior vice president, sales and operations manager, The Bank of Missouri, Columbia. Sara E. Richardson, vice president, Heritage Bank of the Ozarks, Lebanon; Wesley Royer, vice president, First State Community Bank, Fredericktown; Brad Robert Schuster, branch president, First State Community Bank, Wright City. Kelly J. Slayton, vice president, Community First Banking Company, West Plains; Bryan William Steinman, vice president/loan officer, Legends Bank, Westphalia; Adam Daniel Trower, assistant vice president, Community State Bank of Missouri, Bowling Green; and Tracey Ann Woodward, assistant vice president, Carroll County Trust Company, Carrollton. The first class session on leadership will be held August 24-25 at Whiteman Air Force Base. Other sessions on government relations, straight talk, emerging bank issues, and ethics will be held in Jefferson City at the MBA offices. Class participants will graduate at the 2012 Executive Management Conference in Kansas City.

MBA President and CEO Max Cook welcomes new participants to the 2011-12 Banking Leadership Missouri Class at the MBA Convention in Branson last week. During the orientation, Cook explained the class sessions that will be held during the next 18 months. Class participants were given the opportunity to get to know each other before they attended the opening event at the Convention. A Banking Leadership Missouri class is selected every two years. Applications will be open in early 2013 for the next class of Banking Leadership Missouri.


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Dale Duglosh sets up to photograph David Tribble, center in the background, receiving his Century Bank Certificate from MBA Chairman John Klebba, left, and MBA President and CEO Max Cook. David is with Farmers Bank of Northern Missouri, N.A., Unionville.

Luanne Cundiff, First State Bank of St. Charles, and Missouri Treasurer Clint Zweifel, visited during the opening night reception at the MBA Convention.

Chuck Lewis, left, MBA vice president of compliance services, and Denny Deischer, MBA vice president of educational services, spoke about compliance changes under Dodd-Frank.

John Harlin, left, presents David Molitor, Chairman of the Board, Bank of Old Monroe, his MBA Fifty Year Club plaque during the recognition luncheon at Convention. Other 50 Year Club inductees are, front row from left, Larry Angle, Margaret Carter, Mary Bryan, William Vehige, Madge Reid, Robert Plisky, and Homer Maassen.

Chris Kuehl, managing director, Armada Corporate Intelligence, Kansas City, gave the opening keynote address at the 2011 MBA Annual Convention. He reviewed economic conditions and talked about what to anticipate through the end of the year and into 2012.

Kansas City Federal Reserve Bank President Tom Hoenig, center, spoke at Thursday’s closing general session at Convention. At left is Chris Harlin, incoming MBA chairman, and John Klebba, retiring MBA chairman, is at right. Hoenig is slated to retire as Kansas City Fed president on Oct. 1 under the Fed’s mandatory retirement rules.


MBA celebrates 121st Annual Convention

Newly installed MBA Chairman Chris Harlin presents closing keynote speaker J.C. Watts with a University of Missouri cap. Watts, a former Congressman, was an MVP University of Oklahoma quarterback.

Dan and Diana Robb, foreground, and Ken and Ann Littlefield enjoy dancing at the Chairman’s Banquet.

Retiring Chairman John Klebba reflects on his year at the helm of the MBA. His wife, Lisa, is standing at right.

ABA Chairman-Elect Kell Kelly addressed the MBA Convention with an update on issues the American Bankers Association is following in Washington.

Missouri Commissioner of Finance Rich Weaver gave the convention participants an update on banking in Missouri.

MBA Chairman John Klebba recognized representatives from Century Banks during the Convention’s opening General Session. Bankers from 50 of 132 Century Banks attended the convention. Each year, MBA’s Century Banks will be recognized.


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State Treasurer Clint Zweifel has announced he is run-ning for re-election to a second term in 2012. He made the announcement via a video on his campaign website. “If Missourians accept my application and re-elect me for another four years, I will remain committed to creating opportunities for citizens – making Missouri a better place to raise a family, go to work and get an education,” Treasurer Zweifel said. As State Treasurer, Zweifel manages a $3.6 billion invest-ment portfolio, oversees $23 billion in annual state revenues and administers state banking services. He is responsible for returning $600 million in Unclaimed Property, managing a $720 million low-interest loan program and leading the state’s college savings plan.

Clint Zweifel announces he is running for re-election in 2012


AgendaAugust 201117 Regional Meeting, Pony Express Region & Truman

Region, Kansas City18 Regional Meeting, Ozark Region, Springfield30 Regional Meeting, River Heritage Region, Cape

Girardeau31 Regional Meeting, Gateway Region, St. Louis

September 20117 Regional Meeting, Mark Twain Region and Capitol

Region, Columbia21-23 MBA Compliance Conference, Tan-Tar-A Resort,

Osage Beach

October 20116-7 MBA Young Bankers Conference, Tan-Tar-A Resort,

Osage Beach

December 20117-9 MBA Executive Management Conference, Ritz Carlton

Hotel, St. Louis

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Ann Hall, center, was honored on May 27 with a reception to help her celebrate her retirement as president of First State Bank of Purdy. She has been with the bank since 1976 and served as president since 1988. Attending the reception from the MBA were Rachael Preston, marketing director, and Max Cook, president and CEO. Ann’s successor as president at First State Bank of Purdy is Larry D. Moennig, who previously served as the bank’s executive vice president. Ann has been active in the MBA serving on the Board as a regional director. She also served chairman of both the MBA BankPac and Government Relations Committee.


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Raytown ..................... 877-358-0883Federal Protection, Inc.

Springfield ................. 800-299-5400Oppliger Banking Systems

Olathe, KS .................. 800-487-7875Shazam Network

Johnston, IA ............... 800-537-5427

Accounting/AuditingBKD, LLP

Springfield ................. 417-865-8701Kansas City ................ 816-221-6300St. Louis ..................... 314-231-5544

Bush, Ramlow & Shore, P.C.Springfield ................. 417-877-0505

Cummings, Ristau & Associates, PC

St. Louis ..................... 314-845-6050Ganim, Meder, Childers & Hoering, P.C.

St. Louis ..................... 314-726-5270KPM CPAs

Springfield ................. 417-882-4300Branson ..................... 417-334-2987

KPMG LLPKansas City ................ 816-802-5200St. Louis ..................... 314-444-1400

Larson Allen LLPSt. Louis ..................... 314-925-4300

MIB Banc Services, LLCJefferson City ............. 573-636-9555

Mayer Hoffman McCann P.C.Leawood, KS ............. 913-234-1000

RSM McGladrey, Inc.Kansas City ................ 816-753-3000St. Louis ..................... 314-241-4100

Rolf, Perrin & Associates, P.C.Fairway, KS ................ 913-671-8600

RubinBrown LLPSt. Louis ..................... 314-290-3300

Sims & Company, LLCOverland Park, KS ..... 913-649-8100

The Whitlock Company, LLPSpringfield ................. 417-881-0145

Williams-Keepers LLCJefferson City ............. 573-635-6196Columbia ................... 573-442-6171

Ag BusinessMissouri Corn Merchandising Council

Jefferson City ............. 573-893-4181

Architects/Builders/DesignersCopeland Development andConstruction Company, Inc.

Chillicothe .................. 660-707-1412Federal Construction, Inc.

Springfield ................. 800-299-5400NewGround

Chesterfield ......... 314-636-898-8100

Auction ServicesWest Central Auction Company

Harrisonville ............... 816-884-1987

BOLI Executive CompensationBank Compensation Consulting, Inc.

Plano, TX ................... 972-781-2020Banc Consulting Partners

Burnsville, MN ............ 612-210-7471Equias Alliance

Prior Lake, MN ........... 952-435-7737Executive Benefits Network

Lawrence, KS ............. 785-838-9800UMB Bank, N.A.

Kansas City ................ 866-651-9262

Brokerage/Investments Securities

Bank of Kansas City, BOSC, Inc.Overland Park, KS ..... 913-234-6651

CRA Investments, LLCDexter ........................ 573-624-8901

Central Bank Capital MarketsJefferson City ............. 573-634-1271

Commerce Bank Capital Markets Group

Kansas City ................ 800-548-2663St. Louis ..................... 800-392-2252

Country Club Bank Capital Markets

Kansas City ................ 800-288-5489 ................................... 816-931-4060

DeWaay Financial NetworkKansas City ................ 816-714-3120

FTN FinancialOverland Park, KS ..... 800-307-5410

First Bankers’ Banc Securities, Inc.St. Louis ..................... 888-726-2880

Morgan KeeganMemphis, TN ............. 800-564-2249

M&I BankSt. Louis ..................... 800-726-2663

Pulaski BankSt. Louis ..................... 866-850-1312

Southwest Bank of St. Louis Investment Division

St. Louis ..................... 800-726-2663Sterne Agee & Leach, Inc.

Milwaukee, WI ............ 888-477-9618UMB Bank, N.A.

Kansas City ................ 866-651-9262USAA

San Antonio, TX ......... 210-498-1264Vining Sparks

Little Rock, AR ........... 800-829-0321

Cash Management ServicesReich & Tang

Springfield ................. 417-890-7250

Check PrintingInformation Solutions

W Deluxe Financial Services, Inc.St. Louis .......................800-DELUXE .................................(800-335-8931)

Harland ClarkeSt. Louis ..................... 314-518-4058

Check RecoveryW Re$ubmitIt, LLC

Louisville, KY ......866-274-8900 x241

CollectionsShaffer & Associates

Columbia ................... 888-261-5689

CommunicationsW TextCaster

Kansas City ................ 816-746-6835

Commercial Medical LoansBankers Healthcare Group, Inc

Syracuse, NY ............. 315-671-4138

Computer Software & HardwareAce In The Hole Management, LLC

Pacific ........................ 314-803-6593Data Center, Inc.

Hutchinson, KS .......... 620-694-6800Harland Financial Solutions

Lake Mary, FL ...800-778-5667x6653Huber & Associates

Jefferson City ............. 573-634-5000Jack Henry Banking

Monett ......................... 417-2356652Open Solutions Inc.

Glastonbury, CT ......... 480-451-5932SynTel, LLC

Jonesboro, AR ........... 800-898-2540Tipton Systems

St. Louis ..................... 314-781-7750Verafin, Inc.

St. John’s, NL, Canada .. 866-781-8433

Consulting & Training ServicesAdvanced Bank Solutions

Olathe, KS .................. 866-931-4682Brintech

New Smyrna Beach, FL ..... 800-929-2746CBCS Community Bank Consult-ing Services, Inc.

St. Louis ..................... 314-863-1954Coakley Strategic Solutions, LLC

Jefferson City ............. 573-321-3922Coterel Associates

St. Louis ..................... 314-540-6460CrossFirst Advisors, LLC

Overland Park, KS ..... 913-754-9700Haberfeld Associates

Lincoln, NE ................ 402-323-3782Larry N. Laminger Consulting, LLC

Lake Ozark ................. 573-365-5376Norman Backues & Associates

Belleville, IL ................ 800-962-2462

Pentegra Retirement ServicesWest Plains, NY ......... 800-872-3473

W Strunk and Associates, L.P.Riverside, MO ............ 816-746-5559

Superior ConsultingSpringfield ................. 417-887-2124

Truman Wilson & AssociatesLawrence, KS ............. 816-387-1595

Correspondent BankingCommerce Bank

Kansas City ....800-821-2182 x22488Country Club Bank

Kansas City ................ 816-751-9386First National Bank of St. Louis

St. Louis ..................... 877-472-6974Great Southern Bank

................................... 417-895-4749JP Morgan Chase & Company

Chicago, IL ................ 312-732-5856MIB - Midwest Independent Bank

Jefferson City ............. 800-347-4642M&I Bank

St. Louis ..................... 866-435-3020Southwest National Bank

Wichita, KS ................ 316-838-5741TIB - The Independent Bankers-Bank

Dallas, TX ................... 800-288-4842Texas Capital Bank

Kansas City ................ 913-549-3539UMB Bank, N.A.

Kansas City ................ 866-651-9262US Bank - Kansas City

Kansas City ................ 888-266-6261US Bank - St. Louis

St. Louis ..................... 888-465-4540Zions Bank

Salt Lake City, UT ...... 801-844-7807

Credit BureauCollection Agencies

A.M. Best CompanyOldwick, NJ ............... 908-439-2200

Data ProcessingCSI (Computer Services, Inc.)

................................... 800-545-4274FISERV

Kansas City ................ 800-892-5907St. Louis ..................... 314-231-3800

Debit and Credit CardsTransFund

Tulsa, OK ................... 800-588-6816UMB Bank, N.A.

Kansas City ................ 866-651-9262

Deposit Acquisition/RetentionIntrasweep, LLC

Springfield ................. 417-890-7250

Bankers’ Resource Directory


Bankers’ Resource DirectoryEmployee Benefit Services

Clark ConsultingBloomington, MN . . . 800-774-3073

Environmental Data

Environmental Data ResourcesBelleville, IL . . . . . . . . 618-538-6055

Executive & DirectorBenefit Plans

Bank Financial Services GroupEdina, MN .................. 800-931-7782

Funding

Federal Home Loan Bank of Des Moines

Des Moines, IA . . . . . 800-544-3452

Promontory Interfinancial NetworkOverland Park, KS . . 866-776-6426

Government Agencies

Missouri Agricultural and Small Business Development Authority

Jefferson City ............. 573-751-2129

Missouri Housing Development Commission

Kansas City . . . . . . . . 816-759-6814

Missouri Development Finance Board

Jefferson City ............. 573-522-4527

IRA & Qualified Plan Services

W Ascensus (formerly BISYS Retirement Services)

Brainerd, MN. . . . . . . 800-346-3860

IT Security Services

10-D SecurityOverland Park, KS ..... 913-529-1031

Secure Banking SolutionsMadison, SD .............. 605-270-9854

SpearTip TechnologiesChesterfield ................ 636-532-5055

Technology and Networking, Inc.Cape Girardeau ......... 573-335-5157

TraceSecurity, Inc.Baton Rouge, LA ....... 225-612-2121

Insurance/Bonding

W ABA Insurance Services, Inc.Call MBA Insurance Group at800-234-4939

BancInsure, Inc.Call MBA Insurance Group at800-234-4939

BanComp Insurance GroupCall MBA Insurance Group at800-234-4939

Chubb Group of Insurance Companies

Call MBA Insurance Group at800-234-4939

IAC GroupPrairie Village, KS . . . 800-821-5434

W J.T. Miller Company, Inc.Minneapolis, MN . . . . 800-328-4545

LRS Financial ServicesKansas City . . . . . . . . 800-624-1669

Lenders Insurance Solutions Group, LLC

Ozark ......................... 417-581-8070

MBA Insurance HelplineJefferson City . . . . . . 800-234-4939

Mountain Life Insurance CompanyAlcoa, TN . . . . . . . . . 800-888-6542

Spectrum Financial Services Inc.Omaha, NE . . . . . . . . 800-421-8339

W Travelers InsuranceCall MBA Insurance Group at800-234-4939

Truman Wilson & AssociatesLawrence, KS . . . . . . 816-387-1595

Winter-Dent & CompanyJefferson City ............. 573-634-2122

Zurich North American Surety and Financial Enterprises

Call MBA Insurance Group at800-234-4939

Internet Service Provider

SOCKETColumbia ................... 800-762-5383

Investment Banking

Performance Trust Capital Partners, LLC

Chicago, IL ................ 312-521-1105

Sandler O’Neill & Partners, L.P.NY, NY . . . . . . . . . . . . 212-466-7800

The Capital Corporation, LLCLenexa, KS . . . . . . . . 913-236-8188

UMB Bank, N.A.Kansas City ................ 866-651-9262

Law Firms

Armstrong Teasdale LLPKansas City . . . . . . . . 816-221-3420St. Louis . . . . . . . . . . 314-621-5070

Bryan Cave, LLPKansas City . . . . . . . . 816-391-7649St. Louis . . . . . . . . . . 314-259-2000

Carnahan, Evans, Cantwell & Brown, P.C.

Springfield ................. 417-447-4400

Gallop, Johnson & Neuman, L.C.St. Louis . . . . . . . . . . 314-615-6000

Husch Blackwell SandersSt. Louis . . . . . . . . . . 314-480-1500Kansas City . . . . . . . . 816-983-8000

Hunton & Williams, LLPDallas, TX ................... 214-468-3307

Lathrop & Gage L.C.Kansas City ................ 816-292-2000

Lewis, Rice & Fingersh, L.C.St. Louis . . . . . . . . . . 314-444-7600

Polsinelli Shughart P.C.St. Louis . . . . . . . . . . 314-889-8000Kansas City . . . . . . . . 816-753-1000Springfield ................. 417-869-3353

South & Associates, P.C.Overland Park, KS . . 913-663-7600St. Louis . . . . . . . . . . 314-655-7001

Spencer Fane Britt & Browne LLPKansas City . . . . . . . . 816-474-8100St. Louis . . . . . . . . . . 314-863-7733Jefferson City . . . . . . 573-634-8115

Stinson Morrison Hecker LLPKansas City . . . . . . . . 816-842-8600St. Louis . . . . . . . . . . 314-863-0800Jefferson City . . . . . . 573-636-6263

The Banking & Tax Law Group LLPLeawood, KS ............. 913-397-2701

Thompson Coburn LLPSt. Louis . . . . . . . . . . 314-552-6000

Lending Risk Management

Cochran AssociatesJefferson City . . . . . . 573-634-4304

Marketing

W MPI CoinGrafton, WI . . . . . . . . 800-459-9487

W TextcasterKansas City . . . . . . . . 816-746-6835

Modular Banking Facilities

MPA Systems, Inc.Sanger, TX . . . . . . . . 888-233-1584

Mortgage Lending

Banc MacPawnee, IL . . . . . . . . 888-821-7729

Crescent Mortgage Co.Atlanta, GA ................. 913-269-9090

Mortgage Services III, LLCBloomington, IL ......... 815-378-8551

Mortgage Technology

SharperLending/AppraisalFirewallSpokane, WA . . . . . . 800-452-1174

Office Supplies & SolutionsW Office Depot

Overland Park, KS ..... 913-385-0856

Other FinancialProducts & Services

Citadel Trust CompanySt. Louis ..................... 314-997-1110

MBA Bankers Service Corporation’s Title Service

Jefferson City . . . . . . 573-636-8151

Wheatland Advisors Inc.Belton ......................... 816-318-9997

Payment Technologies

Clearent, LLCClayton ....................... 314-732-0515

Metavante CorporationMilwaukee, WI ............ 414-357-9233

Resorts and Hotels

Tan-Tar-A Resort, Golf Club, Marina & Indoor Water Park

Osage Beach . . . . . . 573-348-8554

Security Equipment & Alarms

Monday Security CorporationCahokia, IL . . . . . . . . 800-886-6721

Shredding Services

W CintasHazelwood . . . . . . . . 800-795-7368

Title Insurance

Agents National Title Insurance Company

Columbia ................... 573-442-3351

Training Services

UMB Bank, N.A.Kansas City ................ 866-651-9262

Travel Services

All About TravelMission, KS . . . . . . . . 913-671-7700 . . . . . . . . . . . . . . . . 800-544-3019

Key

MBA Associate Members and MembersW Endorsed Vendors

Call the John Allen at573-636-8151

or e-mail him [email protected]

for more information aboutbecoming an Associate Member of

the MBA


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Achievements Jake Schmitz was promoted to second vice president of business banking services at Central Bank, Jefferson City. He has been with Central Bank for seven years. Kevin Bohn was promoted to relationship manager for Central Trust and Investment Company, St. Louis. He has more than five years of financial services experience. Trish Tellman was promoted to vice president of human resources at Central Bancompany. She has been with Central Bank for 10 years. She oversees the consolidated payroll process for Central Bancompany. Ryan Mancini was promoted to portfolio manager at Central Trust and Investment Company. Formerly an assistant portfolio manager, he brings more than five years of experience in financial services. Michael J. Dierberg was elected to the Board of Directors for First Banks, Inc., St. Louis. He is a shareholder of the company and the son of the principal shareholder, James F. Dierberg. Michael Dierberg has served as the company’s general counsel. He has served as an attorney for the OCC and at the U.S. Department of Justice. Jana L. Lehman

Jake Schmitz

was promoted to assistant vice president, banking center manager/residential lender for Providence Bank. She will manage and supervise the personal bankers and tellers at the

Trish Tellman

bank’s Wildwood Banking Center in Jefferson City, as well as originating residential mortgage loans. She has been with the bank since 2002 and has more than 22 years of banking experience.

Katie Karr was named senior loan officer for Bank Star One’s

Mortgage Lending Department at Lake Ozark. She has 20 years of experience in the mortgage lending industry, including the past 14 years in the Lake area.

Jana L. Lehman

Katie Karr


SPECIAL THANKS TO ALL OUR SPONSORSHIP PARTNERS!

121st Annual ConventionJune 8-10, 2011

Correspondent Banking &Capital Markets Groups

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BLUE CHIP SPONSORS

Documents

June 16, 2011